49
SUN CHEMICAL CORPORATION 2013 BENEFIT PROGRAM HIGHLIGHTS FOR U.S. NON-UNION EMPLOYEES Last revision 2/13
SUN CHEMICAL CORPORATION
2013 BENEFIT PROGRAM HIGHLIGHTS
FOR U.S. NON-UNION EMPLOYEES
Last revision 2/13
2
Table of Contents
2013 Benefits and Travel Contact Information.......................................................................3
Introduction ................................................................................................................................4
Medical Coverage.......................................................................................................................7
Prescription Drug Coverage – Horizon EPO & Basic EPO Plans ........................................8
Dental Coverage .........................................................................................................................9
Vision Insurance.........................................................................................................................12
Covering Dependents under the Healthcare Plans .................................................................13
Life Insurance.............................................................................................................................14
Dependent Life Insurance .........................................................................................................15
Voluntary Accidental Death and Dismemberment (AD&D) Insurance ...............................16
Business Travel Accident, Worldwide Travel Assistance and Security Assistance .............17
Short Term Disability (STD) Insurance ..................................................................................18
Long Term Disability (LTD) Insurance ...................................................................................19
Special Note for Employees Age 60 & Older ...........................................................................20
Healthcare and Dependent Care Flexible Spending Accounts ..............................................21
401(k) Savings Plan ....................................................................................................................22
Retirement Plan .........................................................................................................................26
Paid Time Off .............................................................................................................................28
Employee Assistance Program (EAP) ......................................................................................31
Group Pre-Paid Legal Plan .......................................................................................................32
Group Auto & Home Insurance ...............................................................................................33
Employee Discount Program ....................................................................................................34
Service Award Program ............................................................................................................35
When Employment Ends ...........................................................................................................36
Consolidated Omnibus Budget Reconciliation Act (COBRA) ..............................................38
Sun Chemical Group Benefit Plan Notice of Privacy Practices ............................................41
Special Important Notices .........................................................................................................46
Please Note: These highlights are an overview of your benefits program. The official plan documents, insurance contracts,
or Company policy in effect at time of claim will determine actual benefits.
3
Sun Chemical Corporation
2013 Benefits and Travel Contact Information
Benefit Type Vendor Name Group
Number
Telephone
Number Website
Health & Welfare Information Mercer HRMS N/A http://sunchemical.mercerhrs.com
Medical
BlueCard EPO Plan Horizon Blue Cross
Blue Shield 75947 800-355-2583 www.horizonblue.com/nationalaccounts
BlueCard Basic EPO Plan
HMO-IL HMO Illinois H51999 800-892-2803 www.bcbsil.com
HMO-CA (North) Kaiser of CA (North) 34795-0000 800-464-4000 www.kaiserpermanente.org
HMO-CA (South) Kaiser of CA (South) 118436-0000 800-464-4000 www.kaiserpermanente.org
HMO-OH Paramount Healthcare 41790001 419-887-2525 www.paramounthealthcare.com
Prescription (EPO and Basic EPO Plans) Express Scripts Inc. Sun Chemical 866-315-8795 www.express-scripts.com
Dental MetLife 83990 800-942-0854 www.metlife.com/dental
Vision
Select Plan
Discount Plan
EyeMed Vision Care 9760190 9242942
866-723-0514
866-723-0391
www.eyemedvisioncare.com
Flexible Spending Accounts (FSA) -
with Debit Card ADP Sun Chemical 800-654-6695 www.flexdirect.adp.com
401(k) Plan and
Retirement Plan
SunRise Service Center
Your Benefits Resources™ 888-786-4015 http://resources.hewitt.com/sunchemical
Short Term Disability (STD) and
Long Term Disability (LTD) CIGNA Sun Chemical 800-362-4462 www.cigna.com
Employee Assistance Program (EAP) Empathia, Inc /
LifeMatters Password - SCC1 800-634-6433 www.mylifematters.com
Group Legal ARAG Sun Chemical 800-247-4184 www.araglegalcenter.com
Auto, Homeowners, and Renters Insurance MetLife Auto & Home Sun Chemical 800-438-6388 www.metlife.com/mybenefits
Employee Discount Program® Sun Chemical Rewards Sun Chemical http://sunchemical.corporateperks.com
Auto Purchase Discount Program
GM Discount Program General Motors 876746 www.gmsupplierdiscount.com
Ford Discount Program Ford Motor Company XQ352 www.fordpartner.com
Volvo A-Plan Volvo XQ352 www.aplanbyvolvo.com
Volkswagon Supplier Purchase Program Volkswagon 1332LX www.vw-supplier.com
Payroll - Paystub and W-2 ADP https://ipay.adp.com/iPay/login.jsf
Travel Agency
Adelman Travel Group
Reservations 800-825-4782 www.adelmantravel.com
On-Line support 414-410-8438 [email protected]
Travel correspondence e-mail [email protected]
24 hour emergency service calling from
within the US, Canada & Puerto Rico 800-231-3999
24 hour emergency service calling from outside the above locations
414-410-8399
Travel resources - Cliqbook www.concursolutions.com
Travel Assistance
Zurich
GTU 2853147 www.zurichna.com/travelassist
US 800-263-0261
Canada 416-977-0277
To send a fax 416-205-4622
Travel Security Assistance
WorldCue®24
Calling from within the US 866-318-1594
Calling from outside the US 001-443-716-2324
Business Conduct and Ethics Line www.ethicspoint.com
Calling from the US, Canada &
Puerto Rico 866-730-7932
Calling from outside the above
locations
Access the website and click
on the File a
Report Link
Follow the
country specific directions
4
Introduction
Sun Chemical’s health and welfare benefits program is designed to meet a broad range of needs for the
varied lifestyles of our employees and their eligible dependents. It provides a number of advantages,
including:
Security
Protection
Flexibility
Tax Savings
Sun Chemical offers choices in the following areas:
Medical Coverage
Dental Coverage
Vision Insurance
Life Insurance
Dependent Life Insurance
Long Term Disability (LTD) Insurance
Voluntary Accidental Death and Dismemberment (AD&D) Insurance
Healthcare Flexible Spending Account
Dependent Care Flexible Spending Account
Group Pre-Paid Legal Plan
Eligibility for Participation
You are eligible to elect to participate in the Sun Chemical Benefits program if you are a full-time employee
or a part-time employee (defined as working at least 20 hours per week). You are eligible to participate on
your first day of employment. Note: An employee must work a minimum of 30 hours per week in order to
be eligible for the Short Term and Long Term Disability programs.
Dependents
An eligible dependent is your spouse (as recognized under federal law), child under age 26 for most
medical plans and under 25 (if a full-time student at an accredited school or college) for dental and vision
plans, or those for whom coverage is required by a Qualified Medical Child Support Order (QMCSO).
If a child is not enrolled as a full-time student as of his/her 19th
birthday, dental and/or vision coverage
will end on his/her birthday.
If at some point in the year your dependent is no longer considered a full-time student, dental and/or
vision coverage will be extended until the end of the month in which qualification is no longer met.
Dental and/or vision coverage may not be continued beyond a child’s 25th
birthday.
Medical coverage will end on the child’s 26th
birthday.
Note: Dependent eligibility for Health Maintenance Organizations (HMOs) may vary from the prior
definition. Please refer to the HMO Plan booklet for details about each HMO.
Any dependent listed must be an eligible dependent as defined by the plan you elect. The number of
dependents reflected must be consistent with the coverage categories you elect for medical, dental and
vision coverage (e.g., if you elect Employee+1 medical coverage, then you should have one dependent
listed who is covered by medical coverage).
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Introduction (continued)
The Company conducts dependent audits and you may be required to provide copies of appropriate
documents to verify that your dependents are eligible under plan provisions. Failure to provide truthful
and accurate information and/or where you continue coverage for an ineligible individual will result in
termination of benefits, repayment of premiums and paid claims, and may result in termination of
employment.
Cost of Coverage
All deductions are taken on a pre-tax basis with the exception of Life Insurance coverage in excess of
$50,000, Dependent Life Insurance, Long Term Disability Insurance and Group Pre-Paid Legal coverage.
When Coverage Ends
Your coverage ends on the earliest of the following dates:
The date you leave employment with Sun Chemical
The date the Plan terminates
The date you no longer meet the eligibility requirement of the Plan
Changing Your Elections
Once you have enrolled in all of your Sun Chemical benefits, the elections are binding until open enrollment
of the following year. During open enrollment each year, you may change your elections.
If you have a family or employment status change during the year, you may be able to change your elections
as of the date of the status change for:
Changes in your legal marital status (marriage, divorce, death of a spouse, legal separation)
Changes in the number of your eligible dependents (due to birth, death, adoption, placement for
adoption)
Changes in your own or your spouse’s employment, or commencement of or return to work from an
unpaid leave of absence (LOA)
Work schedule changes (reduction or increase in scheduled hours worked by you, your spouse, or your
eligible dependents)
Changes in your dependents’ eligibility (change in age, marital, employment or student status)
Changes in your residence, if you move out of your medical plan’s service area
Your spouse’s open enrollment period
All status changes must be processed within 30 days of the event date.
Coverage for newborns is not automatic. Newborns must be added to your medical plan via http://sunchemical.mercerhrs.com within 30 days of birth. If you have Family coverage, newly eligible
dependents are required to be added to your policy even though additional premiums are not required. If
you initiate a status change within 30 days following birth, the child will be added to your plan retroactive to
his or her birth date. If you miss this 30-day enrollment window, the newborn child may not be added to the
health plan until the next open enrollment period.
The types of election changes that are permitted per status change are in accordance with IRS regulations.
To find out more information on acceptable status changes and how to process a change, please contact your
local Human Resources representative.
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Introduction (continued)
Your Other Benefits
The Company offers several other benefits that provide value to your overall benefits program. These
benefits include:
Short Term Disability (STD) Insurance
401(k) Savings Plan
Retirement Plan (accrued benefits frozen effective March 31, 2009)
Paid Time Off
Holidays
Sick/Accident/Personal Emergency Days
Vacation
Bereavement
Jury Duty Leave
Military Leave
Family and Medical Leave Act (FMLA)
Business Travel Accident (BTA) Insurance
Worldwide Travel Assistance Program
24-Hour Security Assistance Service
Employee Assistance Program (EAP)
Voluntary Benefits Program
- Group Auto & Home Insurance
Employee Discount Program
Service Award Program
You can easily enroll, review or update your Health and Welfare benefits information online!
Year-round, you can:
Enroll in benefits for the first time as a new hire or if newly eligible for coverage.
Review your current health and welfare elections.
Access charts comparing your benefit plan options.
Link to providers’ websites.
Update beneficiary information.
Download a form to adjust your coverage during the year if you experience a life event change.
Here’s how:
1. Log on to http://sunchemical.mercerhrs.com
2. Enter your User ID and Password.
a. Your User ID is your Sun Chemical Employee ID number.
b. Your Password is your date of birth formatted as MMDDYY (for new hires) or the six digit
numeric password you have selected.
3. Once on the home page, click on the links for information.
If you have any questions or difficulty accessing the site, contact your local Human Resources
representative.
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Medical Coverage
Sun Chemical offers a number of medical plan options based on geographic site – Exclusive Provider
Organization (EPO and Basic EPO) and Health Maintenance Organization (HMO). Each medical plan has
three coverage categories: Employee, Employee + 1, and Family. These levels allow you to select the
coverage that matches your specific family situation, fits your budget, and covers the kind of medical
expenses you expect to incur.
Your Medical Options
Please refer to your Sun Chemical Enrollment Worksheet to see which medical plan options are available to
you. These options are based on your home zip code.
Two Medical Plan Summary charts are available to provide high-level benefits coverage information:
Comparison of EPO and Basic EPO Medical Options
Comparison of HMO Medical Options
If You and Your Spouse Work at Sun Chemical
If both you and your spouse work at Sun Chemical and have no dependents, you may both elect single
coverage; or one may choose Employee + 1 coverage and the other may waive coverage. If you have
dependents, the spouse whose birth month and day occurs first in the year should elect Family coverage;
the other should waive coverage and be covered as a dependent.
Spousal Surcharge
Sun Chemical has a spousal surcharge as part of the Medical Plan. This additional premium contribution
applies when a working spouse has access to other available medical coverage through his or her
employer, but continues to enroll as the employee’s dependent spouse under a Sun Chemical medical plan
for primary or secondary coverage The surcharge does not apply if both spouses are Sun Chemical
employees, a spouse is self-employed, on Medicare or COBRA. This surcharge does not apply for dental
or vision plans. The cost for the surcharge is added to your pre-tax medical deduction on a per pay basis.
The Company conducts spousal surcharge audits and you may be required to provide copies of
appropriate documents to verify that your spouse is not eligible for medical coverage through his or her
employer. Failure to provide truthful and accurate information and/or where you have not elected the
spousal surcharge for a spouse with access to medical coverage through his or her employer will result
in termination of benefits, repayment of premiums and paid claims, and may result in termination of
employment.
Default Enrollment
As a new hire, if you do not enroll within 30 days of your hire date, you will automatically be enrolled for
Employee only coverage under the BlueCard Basic EPO Plan. This election will be binding until the
following open enrollment period.
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Prescription Drug Coverage – Horizon EPO & Basic EPO Plans
Express Scripts, Inc. is the manager of the pharmacy benefits program for employees who are enrolled in
the Horizon BlueCard EPO and Basic EPO Plans. Enrollment for prescription drug coverage is not
necessary. Employees who elect medical coverage under the Horizon BlueCard EPO and Basic EPO Plans
are automatically enrolled for prescription drug coverage with Express Scripts.
Express Scripts has a three tier formulary list:
Generic (Tier 1) – Is a copy of a brand-name drug whose patent has run out. Generic drugs
generally cost 40-60% less than brand-name drugs. Your co-pay is the lowest for generic
prescriptions.
Preferred Brand or “Formulary” (Tier 2) – Is a drug placed on a preferred list of medications,
selected due to its ability to be clinically effective while providing cost savings. There may be a
generic equivalent. The co-pay is higher than for generic drugs, but less than the co-pay for non-
preferred brand-name drugs.
Non Preferred Brand or “Non-Formulary” (Tier 3) – Is a brand-name drug not on the preferred
medication list of approved, recommended prescription drugs. These medications generally have an
equally effective and less costly generic and/or preferred brand-name alternative. The plan may
cover these drugs, but you will pay the highest co-pay.
Each pharmacy benefit manager regularly reviews and updates the formulary list to ensure prescription
drugs that are clinically appropriate and cost effective are included. For a complete list of preferred
formulary drugs, please visit www.express-scripts.com.
Maintenance medications, or medications that are taken on a long-term basis, must be filled in a 90-day
supply through the Express Scripts Home Delivery Program. Two fills of each maintenance medication will
be covered at a retail participating pharmacy before Home Delivery is required. Short-term prescriptions,
such as antibiotics, can still be filled at a participating network pharmacy. For more information on Home
Delivery, or to locate a participating network pharmacy, please contact Express Scripts’ customer service at
866-315-8795 or visit www.express-scripts.com.
There are four utilization programs with Express Scripts:
Prior Authorization – Requires approval for certain medications before the Plan will pay for them.
The purpose is to prevent misuse and off-label use of expensive and potentially dangerous drugs.
Step Therapy – Select prescription medications to treat ongoing medical conditions (e.g. arthritis,
high blood pressure and high cholesterol) are subject to step therapy. As a first step, members must
use generic drugs which are proven safe, effective, and affordable. Brand name drugs are only
covered as a second or third step if your doctor provides appropriate documentation.
Dispensing Limits – Prescriptions for certain medications may have limits on how many tablets or
how much liquid can be dispensed per fill. This is based on the drug manufacturer’s research and
FDA approval.
Specialty Drugs – Medications used to treat complex or rare conditions (e.g. hepatitis C,
hemophilia, multiple sclerosis and rheumatoid arthritis) are covered exclusively under CuraScript, a
subsidiary of Express Scripts. Covered specialty drugs are dispensed at a 30-day supply subject to
the appropriate retail co-pay (and deductible, if applicable), and delivered to your home or doctor’s
office within 24 to 48 hours.
For more information on the above programs, please contact customer service at 866-315-8795 or visit
www.express-scripts.com.
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Dental Coverage
The Dental Plan gives you the opportunity to seek services from dental providers who are members of
MetLife’s Preferred Dentist Program (PDP). Using in-network providers will result in a higher benefit
and lower out-of-pocket costs through discounted provider rates. Using network providers is an option,
not a requirement. If you wish to identify a network provider, call MetLife at 800-474-7371 or visit
their website at www.metlife.com/dental. Please note there are no ID cards distributed for this Plan.
Each dental plan has three coverage categories: Employee, Employee + 1, and Family. These levels allow
you to select the coverage that matches your specific family situation, fits your budget, and covers the kind
of dental expenses you expect to incur.
Your Dental Plan options under MetLife Group # 83990 are:
Services
Plan A Plan B
In-Network Out-of- Network
In-Network Out-of- Network
Preventive Services 100% (No Deductible)
100% (No Deductible)
100% (No Deductible)
100% (No Deductible)
Basic Services 80% (Subject to Deductible)
70% (Subject to Deductible)
50% (Subject to Deductible)
40% (Subject to Deductible)
Major Services 50% (Subject to Deductible)
40% (Subject to Deductible)
Not Covered Not Covered
Orthodontia* 50% (Subject to
Deductible) - separate lifetime
maximum benefit of $1,000*** per covered child
40% (Subject to
Deductible) - separate lifetime
maximum benefit of $750*** per covered
child
Not Covered Not Covered
**Annual deductible amounts are credited to both in-network and out-of-network. ***Annual and lifetime benefit maximums incurred on an in-network and out-of-network basis
cannot exceed the in-network limits.
Annual Deductible** In-Network: $50 per person Out-of-Network: $100 per person
In-Network: $50 per person Out-of-Network: $100 per person
Annual Benefit Maximum***
In-Network: $1,250 per person Out-of-Network: $1,000 per person
In-Network: $750 per person Out-of-Network: $500 per person
*Orthodontia: MetLife will pay 50% (Plan A In-Network) or 40% (Plan A Out-of-Network) of the portion of the total expense
(less appliance(s) charge) which is considered to be incurred while covered up to the lifetime maximum of $1,000 (Plan A In-
Network) or $750 (Plan A Out-of-Network). Payments will be automatically made at the end of each three month period
following the month the appliance is installed (provided that the patient is still eligible for coverage, active treatment is still
being rendered, and the $1,000 or $750 orthodontic lifetime maximum has not been reached).
Description of Dental Services
Preventive:
Two routine oral exams per year (cleaning and scaling)
Two sets of bitewing X-rays per person per year and one set of full mouth X-rays per person every 3
years
Topical fluoride treatment for dependent children under age 18 – once per calendar year
Space maintainers for dependent children under age 19
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Dental Coverage (continued)
Basic Services:
Fillings, extractions, and oral surgery
Periodontal treatment
Endodontic treatment (for pulp infraction and root canal therapy)
Repair of dentures
Relinings and rebasings of existing removable dentures
Repair and recementing of bridgework and crowns
Major Services:
Inlays, onlays & crowns
Pontics & bridges
Installation of partial or full removable dentures
Installation of TMJ appliance, or replacement of TMJ appliance
Orthodontia Treatment for Dependent Children:
Diagnostic procedures, including cephalometric X-rays
Appliances – such as braces, splints and bite plates – and related services to reposition or straighten
teeth
Extractions related to orthodontic work
A separate lifetime maximum benefit per dependent child of $1,000 for in-network services and $750 for
out-of-network services applies to orthodontic coverage. Lifetime benefit maximum incurred on an in-
network and out-of-network basis cannot exceed the in-network limit.
Dental Services That Are Excluded
“Basic Services” and “Major Services” under Dental Plan A and “Basic Services” under Dental Plan B
exclude the following:
Anything not furnished by a dentist or anything not necessary or customarily provided for dental care
Services which have been provided at no expense to you or your covered dependents
An appliance, or modification of one, where an impression was made before the patient was covered
under the plan
A crown, bridge, or gold restoration for which the bridge was prepared before you or your dependents
were covered under the plan
The replacement or modification of a bridge, crown, denture, etc., if installed less than five years
before
A denture or fixed bridge for the purposes of replacing missing teeth that were extracted prior to your
or your dependents’ dental coverage
When using out-of-network providers, any portion of a charge for a service in excess of the
Reasonable & Customary charge
Cost of service in excess of an alternative treatment which would produce the same result
Sealants
Appliances or treatment for bruxism
Implants
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Dental Coverage (continued)
In addition to the exclusions listed above, “orthodontic treatment” under Dental Plan A excludes the
following:
Charges for a procedure for which an active appliance was installed before the patient was insured
A charge incurred while the patient’s coverage is not in effect
This is a partial listing of conditions and exclusions. Please contact MetLife’s customer service
department at 800-942-0854 for more information.
If You and Your Spouse Work at Sun Chemical
If both you and your spouse work at Sun Chemical and have no dependents, you may both elect single
coverage; or one may choose Employee + 1 coverage and the other may waive coverage. If you have
dependents, the spouse whose birth month and day occurs first in the year should elect Family coverage;
the other should waive coverage and be covered as a dependent.
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Vision Insurance
Sun Chemical offers two vision coverage options through EyeMed Vision Care. For full coverage details
on each of the plans, see the comparison chart below. ID cards are distributed for this Plan.
EyeMed Discount Plan – Employees are automatically enrolled with vision coverage under this plan
at no premium cost – even if you choose not to use the plan. You must use a network provider to
receive Discount Plan discounted services. You must enroll eligible dependents for coverage.
EyeMed Select Plan – You can choose to “buy up” to this level of enhanced coverage. Use an
EyeMed network provider to receive the greatest value for your dollar, or use a non-participating
provider and receive reimbursement according to the schedule below.
Plan Features EyeMed Discount Plan In-Network Only
Member Cost
EyeMed Select Plan
In-Network Member Cost
Out-of-Network Reimbursement
Exam With dilation, as necessary
$5 off routine exam $10 off contact lens exam
$10 co-pay
Up to $35
Exam Options Standard Contact Lens Fit and Follow-up Premium Contact Lens Fit and Follow-up
N/A N/A
Up to $40
10% off Retail
N/A N/A
Standard Plastic Lenses Single Vision Bifocal Trifocal Lenticular Standard Progressive Lens Premium Progressive Lens
$50 co-pay $70 co-pay
$105 co-pay N/A
$65 co-pay (add to bifocal co-pay)
N/A
$25 co-pay $25 co-pay $25 co-pay $25 co-pay $90 co-pay
$90 co-pay; 20% off charge less $120 allowance
Up to $45 Up to $65 Up to $85 Up to $85 Up to $65 Up to $65
Frames Any available frame at provider location
40% off retail price
$0 co-pay, $120 allowance, 20% off balance over $120
Up to $47
Lens Options UV Treatment Tint (Solid and Gradient) Standard Plastic Scratch Coating Standard Polycarbonate – Adults Standard Polycarbonate – Children under 19 Standard Anti-Reflective Coating Polarized Other Add-Ons and Services
$15 co-pay $15 co-pay $15 co-pay $40 co-pay $40 co-pay $45 co-pay
N/A 20% discount
$15 co-pay $15 co-pay $0 co-pay
$40 co-pay $0 co-pay
$45 co-pay 20% off retail price 20% off retail price
N/A N/A
Up to $11 N/A
Up to $28 N/A N/A N/A
Contact Lenses In lieu of lenses and frame for Select Plan (Includes materials only) Conventional Disposable Medically Necessary
15% off retail price N/A N/A
$0 co-pay; $120 allowance, 15% off balance over $120 $0 co-pay; $120 allowance
$0 co-pay, Paid-in-Full
Up to $105 Up to $105 Up to $200
Laser Vision Correction Lasik or PRK from U.S. Laser Network
15% off retail price or 5% off promotional price
15% off retail price or 5% off promotional price
N/A
Additional Benefits Frame, lenses and lens options must be purchased in same
transaction to receive full discount. Items purchased separately will be
discounted 20% off retail price.
20% discount on items not covered by plan at network providers.
Cannot be combined with any other discounts or promotional offers. Does not apply to professional
services or contact lenses.
40% discount off complete pair eyeglass purchases and 15%
discount off conventional contact lenses once funded benefit used.
20% discount on items not covered by plan at network
providers. Cannot be combined with any other discounts or
promotional offers. Does not apply to professional services or
contact lenses.
N/A
Frequency Examination Lenses or Contact Lenses Frames
Unlimited
Once every 12 months Once every 12 months Once every 24 months
For a Directory or more detailed plan information
www.eyemedvisioncare.com
866-723-0391
www.eyemedvisioncare.com 866-723-0514
Group Number/Name 9242942 - Sun Chemical 9760190 – Sun Chemical
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Covering Dependents under the Healthcare Plans
Sun Chemical Corporation governs its health plans as efficiently as possible in order to ensure plan
benefits are available for those who truly are eligible, and to control health plan costs that continue to
increase significantly.
If you enroll eligible dependents (see plan eligibility guidelines posted online under “Plan Resources” on
http://sunchemical.mercerhrs.com) in a medical, dental or vision plan, you are required to provide the
following documentation:
Spouse – copy of marriage certificate and completed spousal surcharge affidavit. The affidavit is only
required if you enroll a spouse in a Sun Chemical medical plan and waive the spousal surcharge. If
you need to obtain the affidavit form, please see your local Human Resources representative or access
the form online under “Plan Resources” on the benefits website.
Child – copy of birth certificate or adoption/guardianship papers.
Full-Time Student (age 19 to 25) – copy of a schedule for the current semester showing credit hours,
or a letter from the institution on their letterhead indicating your dependent is a full-time student for
the current semester. Please note this documentation is only required for enrollment in the dental
and/or vision plans.
1. When making your benefit elections on the Sun Chemical Health and Welfare Benefits
website (http://sunchemical.mercerhrs.com), print a summary of your elections.
2. Make a copy of your “Enrollment Summary Page” which lists your dependents and
elections, and attach the above documentation.
3. Return this complete information to your local Human Resources representative within 30
days of your benefits eligibility date.
Failure to provide the necessary documentation in a timely manner will result in termination of
your enrolled dependent’s coverage.
The Company conducts dependent audits and you may be required to provide copies of appropriate
documents to verify that your dependents are eligible under plan provisions. Failure to provide truthful
and accurate information and/or where you continue coverage for an ineligible individual will result in
termination of benefits, repayment of premiums and paid claims, and may result in termination of
employment.
14
Life Insurance
Your Life Insurance options are as follows:
1x Annual Base Salary
2x Annual Base Salary
3x Annual Base Salary
4x Annual Base Salary
5x Annual Base Salary
Waive coverage
For purposes of this plan, “basic earnings” means current base salary, excluding bonus and
overtime. For sales representatives, “basic earnings” means base salary plus previous year’s
commissions.
Premiums are offered on a smoker and non-smoker basis. “Smoker” is defined as an employee who has
used tobacco or tobacco products within the last 12 months.
If electing Life Insurance as a new hire, evidence of insurability must be submitted for amounts over
$750,000 or greater than 3x Annual Base Salary.
All future increases require evidence of insurability.
- Life Insurance Coverage is based upon annual base salary rounded to the next higher $1,000. The
maximum amount of life insurance provided under this plan is $1,000,000.
The cost is based on your age as of January 1. If you elect Life Insurance coverage, a $5,000 Accidental
Death benefit is automatically included.
You pay for the first $50,000 of life insurance coverage with pre-tax dollars. Any coverage over this
amount is paid with after-tax dollars.
Monthly Rate per $1,000
The monthly cost per age group: Non-Smoker Rate Smoker Rate Age
<25 $0.039 $0.048
25-29 $0.047 $0.056
30-34 $0.061 $0.075
35-39 $0.070 $0.086
40-44 $0.076 $0.093
45-49 $0.116 $0.141
50-54 $0.179 $0.215
55-59 $0.333 $0.403
60-64 $0.511 $0.619
65-69 $0.985 $1.190
70-74 $1.595 $1.930
75+ $1.836 $2.303
15
Dependent Life Insurance
If you elect Life Insurance for yourself, Sun Chemical offers the following choices for dependent life
insurance:
Plan A: $2,000 spouse/$1,000 child(ren)
$100 child(ren) from 14 days to six months of age
Plan B: $5,000 spouse/$2,500 child(ren)
$100 child(ren) from 14 days to six months of age
Dependent life insurance provides coverage in the event of the death of your spouse and/or dependent
child(ren).
The Company pays for Plan A. If you wish to participate in this free coverage, be sure to elect the plan.
You will not be automatically enrolled.
If You and Your Spouse Work at Sun Chemical
If you and your spouse are employed by Sun Chemical and both elect Life Insurance, only one may claim
your children as dependents under this plan. Also, you and your spouse may not cover each other as a
dependent.
16
Voluntary Accidental Death and Dismemberment (AD&D) Insurance
You can choose Voluntary AD&D Insurance coverage equal to the following amounts:
$ 25,000
$ 50,000
$100,000
$150,000
$200,000
$250,000
$500,000
The total amount selected may not exceed five times base annual earnings.
For purposes of this plan, “base annual earnings” means current base salary, excluding bonus and
overtime. For sales representatives, “base annual earnings” means base salary plus previous year’s
commissions.
Voluntary AD&D insurance provides coverage in the event of death or a dismembering injury resulting
from an accident. The Voluntary AD&D Plan provides coverage for accidents that occur anywhere,
anytime.
You may choose Voluntary AD&D coverage for yourself only, or for you and your family. If you choose
family coverage, benefits for covered family members are based on a percentage of the amount you elect, as
follows:
Spouse only - 55%
Spouse - 50% (spouse)
and child(ren) - 10% (per child)
Child(ren) only - 15%
In the case of accidental death or dismemberment, the benefit you receive may be 100%, 50% or 25% of the
amount you elect, depending on the type of loss according to a specific schedule.
If you elect family coverage, you are automatically the beneficiary for your dependents.
17
Business Travel Accident, Worldwide Travel Assistance and Security Assistance
Business Travel Accident (BTA) Insurance
The Business Travel Accident Plan provides a benefit in the event of your accidental death,
dismemberment or permanent total disability while you are traveling on Company business (normal travel
to and from work is not included).
The plan provides coverage equal to 10 times your basic earnings, to a maximum of $1,000,000. For
purposes of this plan, “basic earnings” means current base salary, excluding bonus and overtime. For
sales representatives, “basic earnings” means base salary plus previous year’s commissions.
BTA Insurance is automatically provided by the Company; there is no cost to you.
Worldwide Travel Assistance Worldwide Travel Assistance provides a benefit if you are traveling 100 miles or more away from home
on either Company or personal business.
The program puts you in touch with a network of providers who can address the medical, legal,
information and personal assistance needs of travelers.
Worldwide Travel Assistance is automatically available to any employee while on business travel. In
order to be covered while traveling on personal business, the employee must be enrolled in Voluntary
Accidental Death & Dismemberment (AD&D) Insurance. Spouse/dependent children are covered only if
the employee is enrolled in Family AD&D.
You may visit www.zurichna.com/travelassist for more information. To receive assistance while
traveling in the United States and Canada, call 800-263-0261. To receive assistance while traveling
anywhere else in the world, call collect at 416-977-0277. Sun Chemical’s group number is GTU
2853147.
24-Hour Security Assistance Service
Sun Chemical maintains a 24-hour Assistance Service for employees worldwide in the event of a security
problem encountered during travel away from home.
The Security Assistance Service, through WorldCue®24, provides help for the following:
Support while traveling during local crises – civil unrest, riot, government collapse, terror activity,
natural disasters, etc.
Arrest or detention by local officials or police.
Other emergencies which threaten your personal safety or the safety of another Sun Chemical
employee.
To receive assistance while traveling in the United States, call 866-318-1594. To receive assistance while
traveling anywhere else in the world, call 443-716-2324 (using the appropriate international access code
to reach the US).
18
Short Term Disability (STD) Insurance
Short Term Disability provides you with income protection for up to 26 weeks per period of disability if you
are unable to work due to illness or injury.
This benefit is provided at no cost to you.
Benefits are reduced by Social Security and/or other government or Company plans providing disability
benefits because of personal injury.
For employees in those states with compulsory disability benefit programs, your benefits under this plan
will be at least equal to those mandated by the disability benefits laws of the state with jurisdiction.
Related periods of disability that are separated by no more than 90 days will be treated as if they were
one continuous period of disability. This means that STD benefits for the second period of disability
will begin immediately, and the five day waiting period will not apply. However, if the two periods of
STD are unrelated, the waiting period will apply for each period of disability.
An employee may remain on an approved leave of absence for six (6) months beginning on the first day
of leave.
STD BENEFITS
100% for the first two weeks;
80% for the next eight weeks; and
60% for the next sixteen weeks.
*For an illness, the maximum benefit period is the date the 25th
disability benefit is payable. For an
accident, the maximum benefit period is the date the 26th
disability benefit is payable.
How the program works:
Employees are responsible for calling their immediate supervisor and CIGNA when absent from work
for three consecutive days, or as soon as they know they will be absent from work for three or more
days. To report an absence, employees must call 800-362-4462. If CIGNA is not contacted, Short
Term Disability payments may be denied.
There is a waiting period of seven calendar days for a disability due to illness. Disability benefits begin
on the eighth calendar day from the date of disability. Employees who are on disability due to an illness
must first use available sick days, followed by other available paid time off, for days in which they are
scheduled to work during the waiting period. Once the employee’s paid time off has been exhausted,
these days will be without pay.
If your disability is due to an accident, and you are out of work for more than five days, your STD
payments will be retroactive to the first day of your disability.
For variable workweek employees or employees working in continuous shift operations, the number of days
to be charged as paid time off or unpaid during the first seven calendar days of disability are based on the
regularly scheduled work week.
Employees must work a minimum of 30 hours per week in order to be eligible for STD.
No benefits will be payable from STD if you are receiving payments from Workers’ Compensation.
You can accrue vacation time for up to 90 days per calendar year while you are on disability.
Your approved STD leave will run concurrent with your Family and Medical Leave (FMLA).
19
Long Term Disability (LTD) Insurance
Under Sun Chemical Benefits, you have two LTD options. Each pays a monthly benefit in the event of
disability equal to the following:
Plan A - 60% of Base Salary
Plan B - 50% of Base Salary
When benefits begin - LTD benefit payments begin after 180 days of disability. LTD benefit payments
continue as long as you remain disabled, based on the following schedule:
Age at Disability Benefit Duration
Under 63 To Normal Retirement Age* or 42 months, if greater
63 36 months
64 30 months
65 24 months
66 21 months
67 18 months
68 15 months
69 and Over 12 months
*Normal Retirement Age means the Social Security Normal Retirement Age as stated in the 1983 revision of the United States
Social Security Act. It is determined by your date of birth as follows:
YEAR OF BIRTH NORMAL RETIREMENT
AGE YEAR OF BIRTH
NORMAL RETIREMENT
AGE
1937 or before 65 1955 66 + 2 months
1938 65 + 2 months 1956 66 + 4 months
1939 65 + 4 months 1957 66 + 6 months
1940 65 + 6 months 1958 66 + 8 months
1941 65 + 8 months 1959 66 + 10 months
1942 65 + 10 months 1960 or after 67
1943 thru 1954 66
Minimum monthly benefit is $100; maximum monthly benefit is $15,000. Cost is based on your salary
and the benefit level you elect.
Long Term Disability provides monthly income protection if you become disabled.
If you are eligible to receive any other disability income (for example, Social Security, Retirement or
Workers' Compensation), your benefit will be offset by income from these sources.
If you are a new employee, evidence of insurability is not required to elect Long Term Disability during
the initial enrollment period. Evidence of insurability will be required to elect coverage for the first time
or increase coverage after the initial enrollment period.
20
Special Note for Employees Age 60 & Older
If you are working past age 60 it is important to understand how your Sun Chemical benefit coverages are
affected. The following outlines how your coverages are reduced:
Life Insurance
Benefit coverage is reduced by 35% at age 65
Benefits coverage is reduced by 50% at age 70
Accidental Death & Dismemberment Insurance
Age % of Principal Sum in Effect
<70 100%
70 – 74 65%
75 – 79 45%
80 – 84 30%
85 & Older 15%
Long Term Disability (LTD)
The maximum period for which you may receive LTD benefits is as follows:
Age* Maximum Benefit Duration
Under 63 To Normal Retirement Age** or 42 months, if greater
63 36 months
64 30 months
65 24 months
66 21 months
67 18 months
68 15 months
69 & Over 12 months
*Age when disability commences
**Normal Retirement Age means the Social Security Normal Retirement Age as stated in the 1983 revision of the United States
Social Security Act. It is determined by your date of birth as follows:
YEAR OF BIRTH NORMAL
RETIREMENT AGE YEAR OF BIRTH
NORMAL
RETIREMENT AGE
1937 or before 65 1955 66 + 2 months
1938 65 + 2 months 1956 66 + 4 months
1939 65 + 4 months 1957 66 + 6 months
1940 65 + 6 months 1958 66 + 8 months
1941 65 + 8 months 1959 66 + 10 months
1942 65 + 10 months 1960 or after 67
1943 thru 1954 66
21
Healthcare and Dependent Care Flexible Spending Accounts
Healthcare Account (HCA)
With the Healthcare Account, you can save money by using tax-free dollars to pay for medical,
prescription drug, dental and vision care expenses not paid under your plan(s), including your deductible
and co-insurance costs.
All over-the-counter medicines and drugs (other than insulin) must be prescribed by an authorized
healthcare provider to be eligible for reimbursement from the HCA.
In accordance with health care reform, you may deposit from $100 to $2,500 per year on a pre-tax basis
as of January 1, 2013.
This account is to be used for you and your eligible dependents for healthcare related reimbursements
only.
A Healthcare Account debit card may be voluntarily used for your unreimbursed healthcare expenses.
When using the debit card, save the itemized receipt for the purchase. You may be asked to provide
documentation to show that your purchase is eligible under IRS rules.
For more information call ADP Customer Service at 800-654-6695 or visit www.flexdirect.adp.com.
You may also visit http://sunchemical.mercerhrs.com to access a Healthcare Account Worksheet listing
eligible and ineligible expenses.
Dependent Care Account (DCA)
With the Dependent Care Account, you can save money by using tax-free dollars to pay for eligible
child care or dependent care expenses.
Deposit from $100 to $5,000 per year ($2,500 if married and filing separate tax returns) on a pre-tax
basis.
You may use this account to pay for eligible day care expenses that enable you and your spouse to work
or attend school full-time.
Dependents are children under age 13, or individuals age 13 and older who are physically or mentally
incapable of self-care (provided they spend at least eight hours a day in your home and qualify as your
dependents for tax purposes).
For more information call ADP Customer Service at 800-654-6695 or visit www.flexdirect.adp.com.
You may also visit http://sunchemical.mercerhrs.com to access a Dependent Care Account Worksheet
listing eligible and ineligible expenses.
Flexible Spending Account
Electronic claim filing is available over the internet.
Reimbursements may be set up for direct deposit to your savings or checking account.
Important Notes
You have until March 31 of the following year to submit claims for prior year expenses.
IRS rules require that you either "use or lose” the money you deposit into these accounts, so it is
important that your election is conservative.
22
401(k) Savings Plan
Eligibility: All active non-union employees are eligible to participate their first day of employment.
Employees may elect to contribute up to 50% of compensation (i.e., base pay as defined for payroll
administration purposes, and excludes all other irregular and additional pay, including but not limited to,
overtime pay, bonuses, severance pay and compensation paid pursuant to a nonqualified unfunded
deferred compensation plan). The 50% contribution maximum can be made up of pre-tax savings, post-
tax savings, or both.
- The IRS cap on annual pre-tax contributions is $17,500 for 2013 and the limit on total compensation
counted under a 401(k) plan is $255,000. Once the earlier of contributions or earnings reach their
limits, contributions automatically stop.
- Employees who will be age 50 or older during the year can make an additional contribution over
and above the current federal pre-tax contribution limit of $17,500 for 2013. You can contribute
an additional $5,500 on a pre-tax basis for 2012. Please note that catch-up contributions are not
eligible for company matching contributions.
Voluntary After-Tax Contributions
Participants have the option to contribute to the Plan on an after-tax basis.
Employees are allowed to make pre-tax contributions, after-tax contributions or a combination of
both, up to the Plan’s maximum contribution limit of 50% of compensation.
Facts about Voluntary After-Tax Contributions
Deducted from pay after taxes have been withheld.
Investment earnings are tax-deferred until contributions are withdrawn.
After-tax contributions can be withdrawn for any reason, without penalty.
Company matching does not apply to after-tax contributions.
Company Match
The Company matching contribution is $1.00 of each pre-tax dollar you contribute, up to 5% of
eligible compensation.
Vesting
- You are always 100% vested in your own contributions and interest.
- Effective April 1, 2009, Company matching contributions are immediately fully vested.
23
401(k) Savings Plan (continued)
Investment Options
Listed below are the investment options available through the Plan’s investment manager, Northern
Trust:
-Stable Value Fund -Vanguard Target Retirement 2015 Fund
-Bond Index Fund -Vanguard Target Retirement 2010 Fund
-Vanguard Balanced Fund -Vanguard Retirement Income Fund
-Vanguard Target Retirement 2050 Fund -Large Cap Value Fund
-Vanguard Target Retirement 2045 Fund -S&P 500 Index Fund
-Vanguard Target Retirement 2040 Fund -Large Cap Growth Fund
-Vanguard Target Retirement 2035 Fund -Mid Cap Growth Fund
-Vanguard Target Retirement 2030 Fund -Mid Cap Value Fund
-Vanguard Target Retirement 2025 Fund -Small Cap Fund
-Vanguard Target Retirement 2020 Fund -International Equity Fund
Participants who transfer any amount out of the Vanguard Balanced Fund, Vanguard Target Funds,
Stable Value Fund and Bond Index Fund must wait sixty (60) calendar days before transferring back
into the Funds. This frequent trading policy does not apply to employee payroll contributions,
employer match contributions, or loan repayments.
Transfers into the International Equity Fund are limited to the first business day of each month.
Fund managers, at their discretion, may reject or restrict a trade for any reason.
Default Investment: If you make a contribution to the 401(k) Savings Plan and do not make an
investment election, funds will default to the Vanguard Target Retirement Fund based on your age.
Contributions and investment earnings are tax sheltered until paid out.
Loan Program
Can withdraw 50% of vested balance, or $50,000, whichever is less.
Minimum loan is $1,000.
Repay loan to yourself at current prime lending rate +1%.
Loan is not taxed as income.
Loan repayments are automatically deducted from your paycheck. The repayment period is from
one to five years. If the loan is for the purchase of a primary residence, you may repay the loan over
a longer period.
You may have only one outstanding loan at a time.
A loan origination fee of $50 is added to the loan amount.
24
401(k) Savings Plan (continued)
Hardship Withdrawals
In accordance with IRS regulations, you are permitted to make a withdrawal of employee contributions
from the plan for the following reasons only:
purchase of primary residence
eviction/foreclosure from principal residence
unpaid medical expenses (not covered by insurance)
tuition reimbursement for the next 12 months of post secondary education
payment for burial or funeral expenses
expenses for repair or damage to a principal residence that would qualify for the casualty deduction
under Code Section 165
You may not withdraw safe harbor employer matching contributions for a hardship distribution.
Following a hardship withdrawal, you will be suspended from contributing to the 401(k) Plan for six (6)
months.
Requests for a Qualified Domestic Relations Order (QDRO) are processed with a $750 fee.
Rollover Contributions: Rollover contributions from a prior employer’s qualified plan are permitted.
SunRise…Retirement Investment Services For Employees
The SunRise program provides the resources you need to plan and save for retirement.
The SunRise program provides account access through either a dedicated website or automated
telephone system.
Visit Your Benefits Resources™ at http://resources.hewitt.com/sunchemical or contact the Sun Chemical
SunRise Service Center at 888-786-4015 from 8:00 a.m. to 8:00 p.m. ET Monday through Friday.
25
401(k) Savings Plan (continued)
You can easily enroll in or review your 401(k) Savings Plan information online!
Year-round, you can:
Enroll in the 401(k) Savings Plan online or over the telephone.
Review details and Lipper® ratings on the investment funds in the 401(k) Savings Plan.
Here’s how:
Log on to http://resources.hewitt.com/sunchemical or call 888-786-4015.
Enter your User ID and Password.
Once on the Welcome page, click on the links for information.
For first time access to the website:
Go to the website and on the Welcome page click on Log On. Click on “Register as a New User”.
Enter the last four digits of your Social Security Number, as well as your Birth Date. Click
continue.
Enter your Zip Code.
Create your User ID, Password and Hint.
Enter your User ID. The User ID must be 8-20 letters and/or numbers and is not case sensitive.
Enter your New Password. The Password must be 6-20 letters and/or numbers and is not case
sensitive.
Please note that the User ID and Password created for your online account will be the same one
used to access your account via the automated telephone system.
You will also have to create a Hint to help identify you in case you forget your password. It is
optional, but recommended.
For first time access to the automated telephone system:
After calling the SunRise Service Center (888-786-4015), you will be prompted to answer a series
of security questions.
Enter last four digits of your Social Security Number. Press # to confirm.
Enter your Birth Date. Press # to confirm.
Enter your User ID. User ID must be 8-20 letters and/or numbers.
Next enter your New Password. The Password must be 6-20 letters and/or numbers.
Please note that the User ID and Password created for your phone account will be the same one
used to access your account via the website.
26
Retirement Plan
Note: Accrued benefits under the Retirement Plan were frozen on March 31, 2009. This portion of
the Benefits Highlights is only applicable to those who were participating in the Plan as of March 31,
2009.
Employees hired on or after April 1, 2009 are not eligible to become participants of this Plan.
Participants will keep all benefits accrued through March 31, 2009 based on credited service and final
average earnings at that time. Non-vested participants will continue to accrue vesting service while
employed. No additional earnings or credited service will be considered after March 31, 2009.
The following applies to participants of the Plan prior to March 31, 2009:
Eligibility: Through March 31, 2009, all active non-union employees, regardless of status, were eligible
to participate on their first day of employment.
Plan participation was voluntary. Through March 31, 2009, employees were automatically enrolled on
their date of hire/eligibility; however, an employee may have declined to participate and received a
refund of contributions by contacting the SunRise Service Center within 30 days of eligibility.
Employees who elected to participate were required to contribute 0.5% of their annual retirement plan
earnings on an after-tax basis. An employee may have stopped participating at any time; however,
contributions would not be refunded until employment ended. Contributions to the Retirement Plan
ceased for pay received on or after April 1, 2009.
The maximum covered compensation is determined each year according to IRS regulations. For 2009,
the covered compensation maximum was $245,000; therefore, the maximum contribution for 2009 was
$1,225, based on 0.5% of retirement plan earnings of $245,000.
The Company paid the majority of plan costs.
Formula: 1.1% X final average earnings up to $84,600*
Plus
1.6% X final average earnings above $84,600*
Multiplied by
Years of credited service (maximum 30)
* $84,600 was the 2009 figure set by the IRS.
Vesting - 5 years of participation or age 55.
50% pre-retirement death protection for spouse is payable at participant’s age 55.
Normal retirement is at age 65.
27
Retirement Plan (continued)
The Early Retirement Reduction Schedule is as follows:
Age When You Begin Receiving Benefit Percentage Paid
64 93.3%
63 86.6%
62 80.0%
61 73.3%
60 66.7%
59 63.3%
58 60.0%
57 56.6%
56 53.3%
55 50.0%
Visit Your Benefits Resources™ at http://resources.hewitt.com/sunchemical or contact the Sun Chemical
SunRise Service Center at 888-786-4015 from 8:00 a.m. to 5:00 p.m. ET Monday through Friday for
more information.
28
Paid Time Off
Holidays
All regular full-time and part-time employees (defined as working at least 20 hours per week) are eligible
for company paid holidays.
Though holidays may vary from one location to another depending on local community practice, some of
the traditional holidays include:
- New Year’s Day - Labor Day
- Memorial Day - Thanksgiving Day
- Independence Day - Christmas
When a holiday falls on the weekend, the usual practice is to celebrate it on either the Friday before, or
the Monday after the holiday.
Sick/Accident/Personal Emergency Days
All regular full-time employees are eligible for a combined total of five (5) sick and personal emergency
days on January 1 of each year. Employees hired after January 1 are eligible for sick and personal
emergency days on a pro-rated basis.
Sick days are for personal illness, and must be used in conjunction with approved Family and
Medical Leave Act (FMLA) leave, where applicable, and Short Term Disability.
Personal Emergency days are for absences due to events that are unplanned, urgent, and out of the
employee’s control (such as emergency repairs or medical emergencies) that keep you from
attending work as you normally would.
Sick and personal emergency days are based on the current calendar year and cannot be carried over to the
next year. Sick and personal emergency days should not be used as vacation or other scheduled time off.
Unused sick and personal emergency days are not paid at termination of employment.
For part-time employees (defined as working at least 20 hours per week), variable workweek employees or
employees working in continuous shift operations, the number of sick days is based on the regularly
scheduled workweek.
Vacation
All regular full-time employees who work at least 5 months or more per calendar year on a scheduled
basis are eligible for vacation benefits. Employees with the Company on January 1 of each year may
begin to take vacation days according to the vacation allotment for which the employee is eligible based
on his or her years of service with the Company. Vacation days will accrue in accordance with the
following schedule.
Less than five (5) years Ten (10) days* .8333 days per month
Five (5) years but less than fifteen years Fifteen (15) days* 1.25 days per month
Fifteen (15) years but less than twenty-five years Twenty (20) days* 1.666 days per month
Twenty-five (25) years or more Twenty-five (25) days* 2.0833 days per month
*For part-time employees (defined as working at least 20 hours per week), variable work week employees or employees
working in continuous shift operations, the number of vacation days is based on the regularly scheduled workweek.
29
Paid Time Off (continued)
Employees hired during the year are eligible for a pro-rated share of their vacation allotment for the current
calendar year at any time after completion of three months (90 days) of employment, after which his or her
vacation will accrue on a pro-rata basis based on each full month of service employed.
Employees must use their accrued vacation during the current year and cannot carry over vacation into the
next year, unless hired in the last quarter of the year (October, November, or December), in which case
they may carry over accrued vacation days to be taken by the end of the first quarter of the following year
(March 31).
Every employee is expected to take his or her vacation each year in the best interest and welfare of both
the employee and the Company, and at the discretion of management. No payment of money in lieu of
vacation will be made to employees, except as provided below.
At termination, vacation pay will be paid for the number of days accrued (and not for the total amount of
vacation days allotted based on an employee’s years of service), but which were unused as of the date of
termination. Employees will not be paid for allotted, but unaccrued vacation. If an employee has taken more
of his or her allotted vacation than accrued prior to termination, the used but unaccrued vacation days will be
deducted from the employee's final pay.
Employees who terminate or who are terminated before the completion of three months (90 days) of
continuous service will receive no vacation pay.
Bereavement
All regular employees may be absent three (3) days with pay in the event of a death in the immediate
family. Immediate family includes parents, spouse, children, brothers, sisters, grandparents, grandchildren,
mothers-in-law, fathers-in-law, sisters-in-law, brothers-in-law and grandparents-in-law, any other blood
relative living in the same household, or any civil union or domestic partner as recognized by law. These
three (3) days are to be taken consecutively within a reasonable time of the day of death or day of the
funeral, and may not be postponed. Employees are permitted one (1) day off with pay for the funeral of
blood relatives other than immediate family.
Jury Duty Leave
Jury Duty Leave is provided for all regular employees summoned for jury duty in order to allow each
employee to exercise his or her civic duty. The employee must provide his or her supervisor with a copy
of the summons at least five (5) days before the need for the leave, in order to be eligible to receive the
paid benefit provided by Sun Chemical.
If the jury duty falls at a time when the employee cannot be away from work, the Company may request
that the court allow the employee to choose a more convenient time to serve if he or she makes a request
in accordance with the court’s procedures.
Upon returning from Jury Duty Leave, the employee will be restored to their same or equivalent position
with equivalent pay, benefits, and other employment terms. The employee will not lose any employment
benefit that accrued prior to the start of the leave. The period of Jury Duty Leave will be treated as
credited service for the purpose of benefit accrual, vesting, or eligibility to participate in a benefit plan.
Military Leave
An employee who is a member of the United States military will be granted leave of absence for military
service, training or related obligations in accordance with applicable law. During a military leave of thirty
30
Paid Time Off (continued)
(30) days or less, an employee is entitled to continue group health plan coverage under the same
conditions as if the employee had continued work. For military leaves of more than thirty (30) days, an
employee may elect to continue his or her health coverage for up to twenty-four (24) months of uniformed
service, but may be required to pay all or part of the premium for the continuation coverage.
At the conclusion of the leave, upon the satisfaction of certain conditions as authorized by law, an
employee generally has a right to return to the same position he or she held prior to the leave or to a
position with like seniority, status and pay that the employee is qualified to perform. Upon such
reemployment by Sun Chemical, the employee will be treated as if no break in service occurred with
respect to Sun Chemical benefit plans.
Employees planning to take military leave are required to provide reasonable notice of the need for the
leave.
FMLA Leave
The Family and Medical Leave Act (FMLA) provides eligible employees with up to 12 weeks of unpaid
leave for certain family and medical reasons during a 12-month period. During this leave, an eligible
employee is entitled to continued group health plan coverage as if the employee had continued to work.
At the conclusion of the leave, subject to some exceptions, an employee generally has the right to return
to the same or an equivalent position.
Employee Eligibility Criteria. To be eligible for FMLA Leave, an employee must have been
employed by Sun Chemical:
for at least 12 months (which need not be consecutive);
for at least 1,250 hours during the 12-month period immediately preceding the commencement of
the leave; and
at a worksite: (a) with 50 or more employees; or (b) where 50 or more employees are located
within 75 miles of the worksite.
Events Which May Entitle Employees to FMLA Leave. FMLA Leave may be taken for any one,
or for a combination of, the following reasons:
the birth of the employee’s child or to care for the newborn child;
the placement of a child with the employee for adoption or foster care or to care for the newly
placed child;
to care for the employee’s spouse, child or parent (but not in-law) with a serious health condition.
the employee’s own serious health condition that makes the employee unable to perform one or
more of the essential functions of his or her job;
to care for the employee’s spouse, child, parent or next of kin (as defined under the FMLA) who
has a serious injury or illness that was incurred in the line of military service duty; and/or
a qualifying exigency arising out of the fact that a spouse, son, daughter, or parent is on active
duty or has been notified of an impending call to active duty status in support of a contingency
operation.
An employee should request FMLA Leave by completing and returning Sun Chemical’s FMLA Leave
Form to his or her local Human Resources representative.
If you have any questions about FMLA, please contact your local Human Resources representative.
31
Employee Assistance Program (EAP)
Our Employee Assistance Program (EAP), LifeMatters, is available to all benefit eligible employees
through Empathia, Inc. This program is free, confidential and provides services for you and your covered
eligible dependents.
LifeMatters provides confidential help for a wide range of personal and work-related concerns.
Stress Alcohol or Drug Dependency Workplace Conflicts
Depression Child and Elder Care Eating Disorders
Maintaining a Healthy Lifestyle Anxiety Self-Improvement
Family and Relationship
Concerns
Balancing Work and Personal
Needs
Coping with Change
Financial Consultation - free telephonic support from a certified credit counselor for issues including
debt management and consolidation, simple financial planning, and negotiation with creditors and
credit report review.
Tobacco Cessation Program – 6 telephonic sessions with a coach to assist you in breaking free from
tabacco usage.
Legal Consultation – free initial legal consultation with an attorney (telephonic or in person) for
personal law issues ranging from consumer concerns, to divorce or custody issues, to personal injury
cases, and more.
LifeMatters is available 24 hours a day, seven days a week. Call 800-634-6433 or visit
www.mylifematters.com, password SCC1, when you or your family needs reliable professional care,
lifestyle coaching, or helpful resources. You will be connected to an EAP Specialist who is experienced in
helping people identify the nature of their concerns and in finding the right resources to address them. The
program provides up to three counseling sessions per issue per year with an EAP counselor.
If counseling is recommended beyond the three sessions provided by the EAP, it would be best to select a
provider who participates in your medical plan network to minimize your out-of-pocket expenses.
Confidentiality
The care you receive through our EAP is confidential. Information about the services you receive from
LifeMatters will not be released without your prior consent except in cases of imminent threat of harm, or
when abuse of a child or vulnerable adult may be occurring.
LifeMatters will ensure that you and your covered family members will always receive the assistance that
meets your needs, regardless of where you live, work, or travel. If you have any questions, or would like
additional information, call 800-634-6433 or visit www.mylifematters.com, enter password SCC1.
32
Group Pre-Paid Legal Plan
The Group Pre-Paid Legal Plan is offered through ARAG. A group pre-paid legal plan is a benefit
providing members a full range of personal legal services paid for through payroll deductions.
Plan Information
The following is a sample of the legal services that are covered:
Office Consultation Uncontested Adoption, Guardianship
Telephone Advice Refinancing of Home
Consumer Protection Matters Sale or Purchase of Home (Primary Residence)
Small Claims Assistance Living Trusts (Not Tax Planning)
Document Preparation:
- Affidavits, Deeds
- Demand Letters
- Mortgages, Notes
Living Wills
Powers of Attorney
Wills & Codicils (Not Tax Planning)
Traffic Ticket Defense (No DUI)
You can use one of the attorneys in ARAG’s network, or you may use your own attorney. Here are the
differences:
In-Network Out-of-Network
All covered services are paid in full You may choose a non-plan attorney and be
No claim forms reimbursed according to a set fee schedule.
Access the ARAG Legal Center
For more detailed information or to locate a Network Attorney in your area, call 800-247-4184 or visit
www.ARAGLegalCenter.com. If you have yet to sign up for legal coverage, enter Access Code
16942sun to access site information. If you are already a member, simply select Member Login and enter
your User Name and Password.
Plan services do not include: services for matters against ARAG, the plan sponsor, and/or your employer; matters arising out of
your profession, business interests, occupation, employment, workers’ or unemployment compensation, relocation required by
an employer, patents or copyrights.
33
Group Auto & Home Insurance
The group auto and home insurance program from MetLife Auto & Home is available to you as an
employee of Sun Chemical Corporation. This program allows you to apply to purchase quality group auto
and home insurance at special group rates. A variety of policies are available to you through the program,
including:
Auto Renters
Home Recreational Vehicle
Landlord’s Rental Dwelling Boat
Condo Personal Excess Liability
Mobile Home (“Umbrella”)
By participating in the program, employees may benefit from special group insurance rates that are designed
to save them money. There is also a variety of discounts for which you may be eligible.
For the payment of premiums, the program offers convenient payroll deductions. Payroll deductions spread
your premiums over the policy term, which makes budgeting for your insurance easier. There are no checks
to write or dates to remember. Best of all, you will not receive any bills in the mail because everything is
taken care of automatically.
To help you discover if participating in the program makes sense for you, simply call 800-GET-MET 8
(800-438-6388) for a free insurance review and no-obligation quotes. To make the most accurate
comparisons, have your current policies available when you call. You can also receive quotes online by
visiting www.metlife.com/mybenefits.
MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Fire
& Casualty Company, Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan
Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property
and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices
in Warwick, RI. Met P&C(R)
, MetCasSM
, and MetDirectSM
are licensed in Minnesota. Coverage, rates, and discounts are
available in most states to those who qualify.
34
Employee Discount Program
Our employee discount program, Sun Chemical Rewards, is provided at no cost to you. You will have
nationwide discounts from many well-known companies on a wide selection of products and services
from apparel to travel.
For registration instructions and more information about how the program works, log on to
https://sunchemical.corporateperks.com. You can frequently check the website for more deals as the list
constantly changes.
How to Get Access
Go to https://sunchemical.corporateperks.com to login with your credentials.
Corporate Perks Users – If you are already a member of Corporate Perks, go to the link above and
login with your same credentials.
New Users:
• Go to the link above
• Click “Register Now”
• Enter your Sun Chemical email address and the required information
• Click “Sign Up” and follow the on-screen instructions to quickly set up your account.
If you do not have a company email address, click the “Don’t Have a Company Email Address?” link
located below the email field and register with your personal email address and company code: SUN
(case sensitive).
Access to Corporate Perks is provided to you as an employee benefit by Sun Chemical Corporation. The vendors and products
featured on the site and the terms and conditions for the use of the site may change from time to time without notice. Sun
Chemical does not endorse any vendor and disclaims any responsibility for any product, promotion or content on the site. As a
consumer, you should always comparison shop to ensure the best products are secured at competitive prices. Use this site as
another source to research and compare prices, levels of service, and other requirements before making any purchase.
35
Service Award Program
The Service Award Program recognizes the contributions made by employees for periods of service with
Sun Chemical Corporation and its predecessor companies (as recognized by acquisition or company
agreement). The Program honors employees who have completed five-year increments of continuous
service.
On a specified “Service Anniversary Recognition Day”, certificates of recognition are presented to all
employees who reached any of the five-year anniversaries during the previous calendar year.
36
When Employment Ends
If you leave our employ, cease to be eligible to participate in our benefits plans or become disabled, there
are certain conditions under which you or your dependents may be able to continue coverage. If you have
any questions about this information, contact your local Human Resources representative.
When Employment Ends
Benefit coverage ends on your last day of employment. When your employment with the Company ends,
you have the option to continue some coverages as follows:
Medical
You or a qualified dependent (a qualified dependent includes your eligible enrolled dependents) can
elect to continue coverage under the Consolidated Omnibus Budget Reconciliation Act of 1985
(COBRA). The terms and conditions of COBRA coverage are described in the COBRA section of
this handbook.
You can elect not to continue coverage. If so, you cannot elect to participate at a later date.
If you die while employed at Sun Chemical, your qualified dependents will have the option of
continuing coverage for one year at the employee contributory rate. At the end of one year, they will
pay the full COBRA rate for the remainder of the COBRA period.
If you are covered under the BlueCard EPO or Basic EPO Plan and you or any of your dependents are
confined as an inpatient at an eligible facility on the date your coverage ends, benefits will be
available for eligible services provided during the uninterrupted continuation of that stay.
If you are covered under a Health Maintenance Organization (HMO), some HMOs extend coverage
until the end of the month. Check with your HMO to see when coverage ends.
Dental
You or a qualified dependent (a qualified dependent includes your eligible enrolled dependents) can
elect to continue coverage under COBRA. The terms and conditions of COBRA coverage are
described in the COBRA section of this handbook.
If you die while employed at Sun Chemical, your dependents will have the option of continuing
coverage for six months at the employee contributory rate, and then pay the full COBRA rate for the
remainder of the COBRA period.
Vision You can elect to continue EyeMed Select Plan coverage under COBRA. The terms and conditions of
COBRA coverage are described in the COBRA section of this handbook.
Life Insurance
Your life insurance protection will end as of your termination date (or retirement date). For 31 days after
coverage ends, you can arrange to convert all or part of your coverage to an individual policy with the
insurance company, without medical examination. If you die within the 31-day conversion period (even
if conversion was not applied for), the benefit is payable. If you are totally disabled or over age 65,
certain conditions will apply to this conversion privilege. See your local Human Resources representative
for details and the conversion form.
Dependent Life Insurance
Benefit coverage ends on your last day of employment. For 31 days after coverage ends, you can arrange
to convert all or part of your coverage to an individual policy with the insurance company. See your local
Human Resources representative for details.
37
When Employment Ends (continued)
Healthcare Flexible Spending Account
You can elect to continue contributing to the Healthcare Account under COBRA for the remainder of the
current plan year if your remaining account balance exceeds the amount the FSA can charge for the
coverage. To continue contributing, you (or your qualified beneficiary) must continue contributing at the
previously elected level, plus 2% of that amount for administrative expenses. All the provisions of the
account will be the same, except for the way you deposit money to the account. Instead of putting money
into the account before taxes are withheld, you make after-tax contributions to continue participating.
Because of this change, you lose the advantage of paying for eligible expenses with pre-tax dollars.
If you do not elect COBRA, your contributions to the Healthcare Account will end on your last day of
work with the Company. Keep in mind, you can continue to submit claims for eligible healthcare
expenses incurred on or before the date you left the Company. You have until March 31 of the year
following the end of your employment to submit your healthcare claims.
The terms and conditions of COBRA coverage are described in the COBRA section of this handbook.
Dependent Care Flexible Spending Account
Your contributions to the Dependent Care Account will end on your last day of work with the Company.
You can continue to submit claims for eligible dependent care expenses incurred on or before the date you
left the Company. You have until March 31 of the year following the end of your employment to submit
your dependent care claims.
Disability If you are not disabled when your employment ends, your short-term and long-term disability coverage
ends on your last day of work with the Company.
Voluntary AD&D Coverage under this plan ends on your last day of work with the Company. You can arrange to convert
this coverage, within 31 days after your insurance terminates, to an individual policy with the insurance
Company. See your local Human Resources representative for details.
Business Travel Accident Your coverage under this plan ends on your last day of work with the Company.
Group Pre-Paid Legal Plan
Coverage under this plan ends on your last day of work with the Company. You can arrange to convert
this coverage to an individual policy with the insurance company. Following termination, information
regarding the conversion plan and rate will be sent from the insurance company.
401(k) Savings and Retirement Plans
You may review distribution options available under the 401(k) and Retirement Plans by contacting the
Sun Chemical SunRise Service Center at 888-786-4015 or Your Benefits Resources™ at
http://resources.hewitt.com/sunchemical. It is recommended that you consult a tax advisor regarding your
personal circumstances.
38
Consolidated Omnibus Budget Reconciliation Act (COBRA)
The right to COBRA continuation coverage was created by a Federal law, the Consolidated Omnibus
Budget Reconciliation Act of 1985 (COBRA). COBRA requires employers to offer covered employees
and their families the opportunity for a temporary extension of health coverage (called “continuation
coverage”) at group rates in certain instances where coverage under the plan would otherwise end.
This is only a summary of your COBRA continuation coverage rights. For more information about your
rights and obligations under the Plan and under Federal law, you should either review the Plan’s
Summary Plan Description or contact WageWorks at 877-502-6272.
The Group Health Plan Administrator is: The COBRA Plan Administrator is:
Sun Chemical Corporation WageWorks, Inc. COBRA Administration
35 Waterview Boulevard 1580 Reliable Parkway
Parsippany, NJ 07054 Chicago, IL 60686
What is COBRA Coverage?
COBRA coverage is a continuation of Plan coverage when coverage would otherwise end because of a
life event known as a “qualifying event’. Specific qualifying events are listed later in this notice. After a
qualifying event occurs and any required notice of that event is properly provided to the employer,
COBRA coverage must be offered to each person losing Plan coverage who is a “qualified beneficiary”.
You, your spouse, and your dependent children could become qualified beneficiaries and would be
entitled to elect COBRA if coverage under the Plan is lost because of the qualifying event. Under the
plan, qualified beneficiaries who elect COBRA must pay for COBRA coverage.
Who is Entitled to Elect COBRA?
If you are an employee, you will be entitled to elect COBRA if you lose your group health coverage under
the Plan(s) because either one of the following qualifying events happen:
Your hours of employment are reduced; or
Your employment ends for any reason other than your gross misconduct.
If you are the spouse of an employee, you will be entitled to elect COBRA if you lose your group health
coverage under the Plan(s) because any of the following qualifying events happen:
Your spouse dies;
Your spouse’s hours of employment are reduced;
Your spouse’s employment ends for any reason other than his or her gross misconduct;
Your spouse becomes entitled to Medicare benefits (enrolled under Part A, Part B, or both); or
You become legally divorced or legally separated from your spouse.
A person enrolled as the employee’s dependent child will be entitled to elect COBRA if he or she loses
group health coverage under the Plan(s) because any of the qualifying events happen:
The parent-employee dies;
The parent-employee’s hours of employment are reduced;
The parent-employee’s employment ends for any reason other than his or her gross misconduct;
39
COBRA (continued)
The parent-employee becomes entitled to Medicare benefits (enrolled under Part A, Part B, or
both);
The child stops being eligible for coverage under the Plan(s) as a “dependent child;” or
The parent-employee becomes divorced or legally separated.
You Must Give Notice of Some Qualifying Events
For some qualifying events (divorce or legal separation of the employee and spouse; or a dependent
child’s losing eligibility for coverage as a dependent child), a COBRA election will be available to you
only if you notify the COBRA Plan Administrator within 60 days of (1) the date of the qualifying event;
or (2) the date on which the qualified beneficiary loses (or would lose) coverage under the terms of the
Plan(s), whichever is later, as a result of the qualifying event.
Electing COBRA
Each qualified beneficiary will have an independent right to elect COBRA. Covered employees and
spouses (if the spouse is a qualified beneficiary) may elect COBRA on behalf of all of the qualified
beneficiaries, and parents may elect COBRA on behalf of their children. The employee, spouse and
dependents have 60 days from either (1) the date of the qualifying event; or (2) the date on which the
qualified beneficiary loses coverage, to elect COBRA coverage. Any qualified beneficiary for whom
COBRA is not elected within the 60-day election period will lose his or her right to elect COBRA
coverage.
If an employee, spouse or dependent chooses continuation coverage and pays the applicable premium, the
Company is required to provide coverage which, as of the time the coverage is being provided, is identical
to the coverage provided under the plan to similarly situated active employees or family members. If
group health coverage changes or ends for similarly situated active employees, your coverage will also
change or end.
How Long Does COBRA Coverage Last?
Termination or Reduction in Hours: If group health coverage was lost because of termination of
employment (other than for reasons of gross misconduct) or a reduction in work hours, the continuation
coverage period is up to 18 months from the date of the qualifying event, if elected.
Employees, Spouses or Dependents with Disabilities: The 18 months of continuation coverage can be
extended to 29 months if the Social Security Administration determines that the employee, spouse or
dependent child was disabled on the date of the qualifying event according to Title II (Old Age Survivors
and Disability Insurance) or XVI (Supplemental Security Income) of the Social Security Act. Disabilities
that occur after the qualifying event do not meet the criteria for the extended COBRA period.
The employee, spouse or dependent must obtain the disability determination from the Social Security
Administration and notify the COBRA Plan Administrator of the result within 60 days of the date of
disability determination and before the close of the initial 18-month period. The employee, spouse or
dependent has 30 days to notify the COBRA Plan Administrator from the date of final determination that
he or she is no longer disabled.
Other Qualifying Events: If group health coverage was lost because of the death of the employee, divorce
or legal separation, Medicare entitlement, or a dependent child ceasing to be a dependent child, then the
continuation coverage period is up to 36 months from the date of the qualifying event, if elected.
40
COBRA (continued)
Multiple Events: The 18-month continuation period can also be extended, if during the 18 months of
continuation coverage, a second event takes place (divorce, legal separation, death, Medicare entitlement,
or a dependent child ceasing to be a dependent). For spouses and dependents, the 18 months of
continuation coverage will be extended up to 36 months from the date of the original qualifying event.
Upon occurrence of a second event, it is the employee’s, spouse’s or dependent’s responsibility to notify
the COBRA Plan Administrator within 60 days of the event and within the original 18-month COBRA
period. COBRA coverage does not last beyond 36 months from the original qualifying event, no matter
how many events occur.
When Is COBRA Cancelled?
The law provides that continuation coverage may be cut short for any of the following reasons:
The Company no longer provides group health coverage to any of its employees.
The employee, spouse or dependent becomes covered under another group health plan that does
not contain any exclusion or limitation with respect to any preexisting condition.
The employee or spouse becomes entitled to Medicare (enrolling under Part A, Part B, or both
after their election of COBRA coverage).
The employee, spouse or dependent extended continuation coverage to 29 months due to a Social
Security disability and a final determination has been made that he or she is no longer disabled.
The employee, spouse or dependent notifies the Plan Administrator that he/she wishes to cancel
continuation coverage.
In the case of fraud, the intentional misrepresentation of a material fact, or when premium
continuation coverage is not paid in a timely manner, coverage may be cancelled retroactively.
Premiums
An employee, spouse or dependent does not have to show that he/she is insurable in order to choose
continuation coverage. However, an employee, spouse or dependent must have been covered by the
group health plan the day before the qualifying event in order to elect COBRA coverage.
The period for paying the initial COBRA premium following the election of coverage is 45 days. The
first payment made will be applied retroactively toward coverage for the period beginning after the date
on which coverage would have been lost as a result of the qualifying event.
There is a 30-day grace period following the date regularly scheduled monthly premiums are due. Only in
the case of mental incapacity will any further extension be permitted, since the group health plan does not
permit extensions.
If You Have Questions
If you have any questions about your COBRA continuation coverage, you should contact the COBRA
Plan Administrator or you may contact the nearest Regional or District Office of the U.S. Department of
Labor’s Employee Benefits Security Administration (EBSA). Addresses and phone numbers of Regional
and District EBSA Offices are available through EBSA’s website at www.dol.gov/ebsa.
Keep Your Plan Informed of Address Changes
In order to protect your family’s rights, you should keep the Plan Administrators informed of any changes
in the addresses of family members. You should also keep a copy, for your records, of any notices you
send to the Plan Administrators.
41
Sun Chemical Group Benefit Plan Notice of Privacy Practices
This Notice Describes How Medical Information About You May Be Used and Disclosed and How
You Can Get Access To This Information.
PLEASE REVIEW IT CAREFULLY.
Our Commitment to Your Medical Privacy
We understand that medical information about you is personal and the importance of keeping your health
information secure and private. The Sun Chemical Group Benefit Plan (and its related health plans)
(referred to as the “Plan”) is required by federal law (specifically, the Health Insurance Portability and
Accountability Act, which is known as “HIPAA”) to protect the privacy of your individual health
information.
As you read this Notice, you will see an important term: “Protected Health Information”. Protected
Health Information is information about you, including health and demographic information created
and/or received by the Plan that can reasonably be used to identify you. Protected Health Information
includes information that relates to your genetic testing, past, present and future physical or mental
condition, the provision of health care and payment for that care.
The Plan is also required to provide you with this Notice about our policies and procedures regarding your
Protected Health Information, and to abide by the terms of this notice, as it may be updated from time to
time.
This Notice explains how your Protected Health Information may be used by the Plan, and what rights
you have regarding your Protected Health Information.
How the Plan May Use Your Protected Health Information
Under applicable law, the Plan is permitted to make certain types of uses and disclosures of your
Protected Health Information, without your authorization. These uses and disclosures are described in the
categories below. Not every use or disclosure in a category is listed. However, all of the ways the Plan is
permitted by applicable law to use and disclose Protected Health Information will fall within one of these
categories.
For treatment purposes. The Plan may use and disclose Protected Health Information to provide,
coordinate or manage your health care and related services by one or more of your health care
providers. For example, your physician may use your information to consult with a specialist
regarding your medical condition.
For payment purposes. The Plan may use and disclose your information to determine responsibility
for coverage and benefits, such as when the Plan confers with other health plans to resolve a
coordination of benefits issue. The Plan may use your Protected Health Information for other
payment-related purposes, such as to assist in making plan eligibility and coverage determinations.
For health care operations purposes. The Plan may use and disclose your information in a number of
ways involving plan administration, including, for example, quality assessment and service
improvement, vendor review, and underwriting activities (excluding genetic testing). Your
information could be used, for example, to assist in the evaluation of one or more vendors who
support the Plan, or the Plan may contact you to provide reminders or information about treatment
alternatives or other health-related benefits and services available under the Plan.
42
Sun Chemical Group Benefit Plan Notice of Privacy Practices (continued)
The Plan may disclose your Protected Health Information to the plan sponsor, Sun Chemical, in
connection with these activities. If you are covered under an insured health plan such as an HMO, the
insurer also may disclose Protected Health Information to the plan sponsor in connection with treatment,
payment, or health care operations.
Other Permitted Uses and Disclosures of Protected Health Information
The Plan may also use or disclose your Protected Health Information without your authorization under
conditions specified in federal regulations, including:
as required by federal, state or local law, provided that the use or disclosure complies with and is
limited to the relevant requirements of such law;
for public health activities, for example, to prevent or control disease, injury or disability;
disclosures to an appropriate government authority regarding victims of abuse, neglect or domestic
violence;
to a health oversight agency for oversight activities authorized by law;
in connection with judicial and administrative proceedings;
to a law enforcement official for law enforcement purposes;
to a coroner, medical examiner or funeral director;
to organ, eye or tissue donation programs;
for research purposes, as long as certain privacy-related standards are satisfied;
to avert a serious threat to health or safety;
for specialized government functions (e.g., military and veterans’ activities, national security and
intelligence, federal protective services, medical suitability determinations, correctional institutions
and other law enforcement custodial situations); and
for workers’ compensation or similar programs established by law that provide benefits for work-
related injuries or illness without regard to fault.
In Special Situations…
The Plan may disclose your Protected Health Information to one of your family members, to a relative, to
a close personal friend, or to any other person identified by you, in situations where that information is
directly relevant to the person's involvement with your care or payment related to your care.
The Plan may use or disclose your Protected Health Information to notify a member of your family, your
personal representative, another person responsible for your care, or certain disaster relief agencies of
your location, general condition, or death.
If you are incapacitated, there is an emergency, or you otherwise do not have the opportunity to agree to
or object to this use or disclosure, the Plan will do what, in its judgment, is in your best interest regarding
such disclosure and will disclose only the information that is directly relevant to the person's involvement
with your health care.
43
Sun Chemical Group Benefit Plan Notice of Privacy Practices (continued)
Other uses and disclosures will be made only with your written authorization, and you may revoke your
authorization in writing at any time.
Your Rights Regarding Protected Health Information
You have the following rights regarding Protected Health Information that the Plan maintains about you:
Right to Inspect and Copy. You have the right to inspect and copy Protected Health Information that
the Plan maintains about you. To inspect and copy your information, you must submit your request in
writing to the office of the Privacy Officer identified at the end of this Notice. If you request a copy
of the information, the Plan may charge a fee for copying, mailing or supplies associated with your
request.
The requested information will be provided within 30 days if the information is maintained onsite and
60 days if the information is maintained offsite. A single 30-day extension is permitted if the Plan is
unable to comply with the deadline. The Plan may deny your request to inspect or copy in certain
very limited circumstances. If you are denied access to your Protected Health Information, you may
request that denial be reviewed.
Right to Amend. If you feel that Protected Health Information the Plan has about you is incorrect or
incomplete, you may ask the Plan to amend the information. You have the right to request an
amendment for as long as the information is kept by or for the Plan. To request an amendment, your
request must be made in writing and include a reason that supports your request. Requests for
amendment must be submitted to the office of the Privacy Officer identified at the end of this Notice.
The Plan may deny your request if it is not in writing or it does not include a reason to support your
request. In addition, the Plan may deny your request if you ask the Plan to amend information that
was not created by the Plan, is not part of the information that is kept by or for the Plan, is not part of
the information for which you would be permitted to inspect and copy, or if it is information that is
accurate and complete.
Right to an Accounting of Disclosures. You have the right to request an accounting of disclosures.
This is a list of disclosures the Plan has made of your Protected Health Information. To request this
list of disclosures, you must submit your request in writing to the office of the Privacy Officer
identified at the end of this Notice. Your request must state a time period, which may not be longer
than six years and may not include dates before April 14, 2003. Your request should indicate in what
form you want the list (for example, on paper or electronic). The first list you request within a 12-
month period will be provided to you at no cost. You may be charged for the costs associated with
providing additional lists. The Plan will notify you of the cost involved and you may withdraw or
modify your request at that time before any costs are incurred. If the list of disclosures cannot be
provided within 60 days, an additional 30 days is allowed if you are given a written statement of the
reasons for the delay and the date by which the accounting will be provided.
You are not entitled to an accounting of disclosures made for payment, treatment or health care
operations, or for disclosures made pursuant to your written authorization.
44
Sun Chemical Group Benefit Plan Notice of Privacy Practices (continued)
Right to Request Restrictions. You have the right to request that the Plan restrict uses and disclosures
of your Protected Health Information to carry out treatment, payment, or health care operations, or to
restrict uses and disclosures to family members, relatives, friends, or other persons identified by you
who are involved in your care or payment for your care. For example, you may ask that the Plan not
use or disclose information about a surgery you had. Please note that the Plan is not required to agree
to your request.
To request restrictions, you must make your request in writing to the office of the Privacy Officer
identified at the end of this Notice. Your request must include: (i) what information you want to limit;
(ii) whether you want to limit the Plan’s use, disclosure or both; and (iii) to whom you want the limit
to apply (for example, disclosures to your spouse).
Right to Request Confidential Communication. You have the right to request that the Plan
communicate with you about Protected Health Information in a certain way or at a certain location.
For example, you can request that the Plan only contact you at home or at work, by phone or by mail.
Your request must be submitted in writing to the office of the Privacy Officer identified at the end of
this Notice and must specify how and where you wish to be contacted.
Right to a Paper Copy of this Notice. You have the right to receive a paper copy of this Notice at any
time. Even if you have agreed to receive this Notice electronically, you are still entitled to a paper
copy of this Notice. To obtain a paper copy of the Notice, please contact the office of the Privacy
Officer identified at the end of this Notice.
Changes to This Notice
The Plan reserves the right to change the terms of this Notice and to make the revised or changed notice
effective for all Protected Health Information the Plan already maintains about you, as well as any
information the Plan receives in the future. If the Plan changes this notice, you will receive a copy of the
new notice by email, interoffice mail, mail to your home address, or any other method for delivering the
notice to you that is permitted by applicable law.
Medical Privacy Complaints
If you believe that your privacy rights have been violated, you may file a written complaint to the location
identified below under “Contacting the Plan” or to the Secretary of the Department of Health and Human
Services, 200 Independence Avenue, SW, Washington, DC 20201. All complaints must be submitted in
writing. You will not be penalized or subject to reprisal for filing a complaint.
Other Uses of Protected Health Information
Other uses and disclosures of Protected Health Information not covered by this Notice or the laws that
apply to the Plan will be made only with your written permission. If you provide the Plan with
permission to use or disclose Protected Health Information about you, you may revoke that permission, in
writing, at any time. If you revoke your permission, the Plan will no longer use or disclose Protected
Health Information about you for the reasons covered by your written authorization. It is important to
note that the Plan is unable to take back any disclosures it has already made with your permission, and
that the Plan is required to retain the Protected Health Information for its records.
45
Sun Chemical Group Benefit Plan Notice of Privacy Practices (continued)
Contacting the Plan
You may exercise the rights described in this Notice, including the filing of complaints, by contacting the
Office of the Privacy Officer identified below, which will provide you with additional information. The
Plan’s contact is:
Privacy Officer
Mary Takagi
Director, Total Rewards
Sun Chemical Corporation
35 Waterview Boulevard
Parsippany, NJ 07054
(973) 404-6111
Effective Date of Notice: April 14, 2003
46
Special Important Notices
Special Enrollment Rights
In certain circumstances, you may be eligible to enroll in group health coverage without waiting until the
next annual open enrollment period if:
You decline enrollment for yourself or your dependents (including your spouse) because of other
health insurance or group health plan coverage, and you or your dependents lose eligibility for that
other coverage (or if the employer strops contributing toward your or your dependents’ other
coverage); or
You gain a new dependent as a result of marriage, birth, adoption, or placement for adoption.
To request special enrollment or obtain more information, you must contact your local Human Resources
representative within 30 days of the date when the event described above occurs.
Women’s Health and Cancer Rights Act of 1998
If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the
Women’s Health and Cancer Rights Act of 1998 (WHCRA). This coverage is subject to the applicable
co-payments, annual deductible and co-insurance provisions of the plan in which you are enrolled. For
individuals receiving mastectomy related benefits, coverage will be provided in a manner determined in
consultation with the attending physician and the patient, for:
all stages of reconstruction of the breast on which the mastectomy was performed;
surgery and reconstruction of the other breast to produce a symmetrical appearance;
prostheses; and
treatment of physical complications of the mastectomy, including lymphedema.
The Act prohibits from circumventing the Act by denying eligibility, penalizing providers, and providing
incentives (monetary or otherwise) to an attending provider to induce them to provide care in a manner
inconsistent with the Act.
Newborns’ and Mothers’ Health Protection Act of 1996
Group health plans and health insurance issuers generally may not, under Federal law, restrict benefits for
any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48
hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, Federal
law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the
mother, from discharging the mother or newborn earlier than 48 hours (or 96 hours as applicable). In any
case, plans and issuers may not, under Federal law, require that a provider obtain authorization from the
plan or the insurance issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).
47
Important Notice from Sun Chemical Corporation
About Your Prescription Drug Coverage and Medicare
(Creditable Coverage Notice)
Please read this notice carefully and keep it where you can find it. This notice has
information about your current prescription drug coverage with Sun Chemical
Corporation and about your options under Medicare’s prescription drug coverage.
This information can help you decide whether or not you want to join a Medicare
drug plan. If you are considering joining, you should compare your current
coverage, including which drugs are covered at what cost, with the coverage and
costs of the plans offering Medicare prescription drug coverage in your area.
Information about where you can get help to make decisions about your
prescription drug coverage is at the end of this notice.
There are two important things you need to know about your current coverage and
Medicare’s prescription drug coverage:
1. Medicare prescription drug coverage became available in 2006 to everyone with
Medicare. You can receive this coverage if you join a Medicare Prescription Drug
Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers
prescription drug coverage. All Medicare drug plans provide at least a standard
level of coverage set by Medicare. Some plans may also offer more coverage for a
higher monthly premium.
2. Sun Chemical Corporation has determined that the prescription drug coverage
offered by the Sun Chemical Corporation sponsored plans are, on average for all
plan participants, expected to pay out as much as standard Medicare prescription
drug coverage pays and is therefore considered Creditable Coverage. Because
your existing coverage is Creditable Coverage, you can keep this coverage and not
pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.
_________________________________________________________________________
When Can You Join A Medicare Drug Plan?
You can join a Medicare drug plan when you first become eligible for Medicare and each
year from October 15 through December 7.
However, if you lose your current creditable prescription drug coverage, through no fault
of your own, you will also be eligible for a two (2) month Special Enrollment Period
(SEP) to join a Medicare drug plan.
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What Happens To Your Current Coverage If You Decide
to Join a Medicare Drug Plan?
Your current coverage pays for other health expenses in addition to prescription drugs. If
you decide to join a Medicare drug plan, you and your eligible dependents will still be
eligible to receive all of your current health and prescription drug benefits.
To review the prescription drug coverage available to you under the Sun Chemical
Corporation sponsored medical plan(s), visit http://sunchemical.mercerhrs.com and click
on the “Plan Resources” tab. If you have any questions concerning the plan coverages,
please contact your local Human Resources representative or Sun Chemical Benefits at
(973) 404-6000.
If you decide to join a Medicare drug plan and drop your current Sun Chemical
Corporation sponsored coverage, be aware that you and your dependents may not be able
to get this coverage back.
When Will You Pay A Higher Premium (Penalty)
To Join A Medicare Drug Plan?
You should also know that if you drop or lose your current coverage with Sun Chemical
Corporation and don’t join a Medicare drug plan within 63 continuous days after your
current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug
plan later.
If you go 63 continuous days or longer without creditable prescription drug coverage, your
monthly premium may go up by at least 1% of the Medicare base beneficiary premium per
month for every month that you did not have that coverage. For example, if you go
nineteen months without creditable coverage, your premium may consistently be at least
19% higher than the Medicare base beneficiary premium. You may have to pay this higher
premium (a penalty) as long as you have Medicare prescription drug coverage. In addition,
you may have to wait until the following November to join.
For More Information About This Notice
Or Your Current Prescription Drug Coverage
Contact our office for further information at (973) 404-6000. NOTE: You will receive
this notice each year. You will also receive it before the next period you can join a
Medicare drug plan, and if this coverage through Sun Chemical Corporation changes. You
also may request a copy of this notice at any time.
49
For More Information About Your Options
Under Medicare Prescription Drug Coverage
More detailed information about Medicare plans that offer prescription drug coverage is in
the “Medicare & You” handbook. You will receive a copy of the handbook in the mail
every year from Medicare. You may also be contacted directly by Medicare drug plans.
For more information about Medicare prescription drug coverage:
Visit www.medicare.gov
Call your State Health Insurance Assistance Program (see the inside back cover of
your copy of the “Medicare & You” handbook for their telephone number) for
personalized help
Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-
2048.
If you have limited income and resources, extra help paying for Medicare prescription
drug coverage is available. For information about this extra help, visit Social Security on
the web at www.socialsecurity.gov or call them at 1-800-772-1213 (TTY 1-800-325-
0778).
Remember: Keep this Creditable Coverage notice.
If you decide to join one of the Medicare drug plans, you may be required to provide
a copy of this notice when you join to show whether or not you have maintained
creditable coverage and, therefore, whether or not you are required to pay a higher
premium (a penalty).
Date: 10/26/2012
Name of Entity/Sender: Sun Chemical Corporation
Contact--Position/Office: Benefits Department
Address: 35 Waterview Boulevard
Parsippany, New Jersey 07054
Phone Number: (973) 404-6000
