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Agenda■ Section 1: Introduction – Upcoming Plan Year■ Section 2: Benefit Plans Available July 1, 2015■ Section 3: Benefit Overviews

■ Medical■ Dental■ Vision■ Health Savings Account■ Basic Life Insurance and AD&D■ Voluntary Life and AD&D■ Long Term Disability■ Employee Assistance Provider

■ Section 4: Other Firm Benefits■ Section 5: How to Enroll■ Partner Premiums Effective July 1, 2015

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Section 1: Introduction

Effective July 1, 2015, you will be joining Locke Lord’s Health & Welfare benefit plans. The time has come to make your 2015 benefit elections with open enrollment beginning May 12th and ending May 26th, 2015.

Elections or changes you make will become effective on July 1, 2015 and will go through December 31st, 2015. This will be a short plan year to align with the Locke Lord plans that run on a calendar year.

The 2016 open enrollment will be held in November for a January 1, 2016 effective date.

This presentation will provide an overview of the various benefit options available to you, the plan designs and what you need to do next to enroll.

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Section 2: Benefit Plans Available July 1, 2015

■ Medical – Blue Cross/Blue Shield of Illinois■ Dental – Delta Dental■ Voluntary Vision – VSP■ HSA Account – HSA Bank■ Basic Life Insurance and AD&D – Standard■ Voluntary Life and AD&D – Standard■ Long Term Disability (LTD) – Standard■ Employee Assistance Provider (EAP) – Aetna

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Section 3: Benefit OverviewsMedical – BlueCross Blue Shield of Illinois

■ Three plans are available: ■ Base Plan - PPO■ Buy-Up Plan - PPO■ High Deductible PPO with HSA Plan■ You now have four tiers of enrollment options:

Individual Individual & Spouse Individual & Child(ren) Individual & Family

A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association

Medical & Prescription Drug Benefits

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1. Provider availability Will you be able to visit the doctors, hospitals and otherfacilities you want to?

2. Your costs What is going to come out of your paycheck every month? What about for the whole year?

3. Benefit payments How much you will have to pay out of your pocket for your medical expenses?

4. Medical servicesConsider your health status and services you expect to consume during the year. What has your experience been in past years?

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Plan Options – What to Think About

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Your Base Plan PPO BenefitsIn-Network and Out-of-Network

BenefitsPlan Share

In-Network Out-of-Network

Deductible• Individual / Family $1,000 / $2,000 $2,000 / $5,000

Out-of-Pocket Maximum

• Individual / Family $2,000 / $4,000 $6,000 / $10,000

Preventive Care 100%, after $25 copay 60% Of allowed amount

Office Visit 100% after $25 PCP / $40 Specialist copay 60% after deductible

Inpatient Hospital 80% after deductible60% after $250 copay

and deductible

Emergency Room 80% after $100 copay 80% after $100 copay

Outpatient Surgery 80% after deductible 60% after deductible

Basic Labs and Xrays (non-preventive) 80% after deductible 60% after deductible

All other covered services (IP/OP Services, etc) 80% after deductible 60% after deductible

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Your Buy-Up Plan PPO BenefitsIn-Network and Out-of-Network

BenefitsPlan Share


Deductible• Individual / Family $500 / $1,000 $1,000 / $2,000



Preventive Care 100%, after $20 copay 70% of allowed amount

Office Visit 100% after $20 PCP / $40 Specialist copay 70% after deductible

Inpatient Hospital 90% after deductible70% after $250 copay

and deductible

Emergency Room 90% after $100 copay 90% after $100 copay


Basic Labs and Xrays (non-preventive) 90% after deductible 70% after deductible


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Your HSA Plan BenefitsIn- Network and Out-of-Network

BenefitsPlan Share


Deductible• Individual / Family $2,000 / $4,000 $4,000 / $8,000



Preventive Care 100% no copay or deductible 60% after deductible

Office Visit 80% after deductible 60% after deductible

Inpatient Hospital 80% after deductible60% after $250 deductible

and plan deductible

Emergency Room 80% after deductible 80% after deductible


Basic Labs and Xrays (non-preventive) 80% deductible 60% after deductible


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RxPharmacy Benefits

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Prescription Drug Benefit For Base PPO, Buy-Up PPO:

Retail Pharmacy Copays

(Up to a 34-day supply)

Generic $15

Preferred* Brand $35

Non-Preferred $50

Home Delivery (Mail Order) Copays

(Up to a 90-day supply)

Generic $37.50

Preferred* Brand $87.50

Non-Preferred $125

For BlueEdge HSA Plan: Full Cost until Deductible is met then copays apply.

*Preferred also known as “Formulary”

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Prescription Drug Benefit

Retail Pharmacy Network

– All Major Pharmacy Chains (Walgreen’s, Osco, CVS, Target,Wal*Mart, etc.)

• Over 62,000 Network Pharmacies

– Pharmacy search available online

Home Delivery (Mail Order)

– Up to a 90-day supply

• Specialty Rx 30-day supply

– Convenience and savings

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Home Delivery Prescriptions

Pre-register online at bcbsil.com

• Or, call PrimeMail at 1-877-357-7463and pre-register by phone

• Download forms for new prescriptionsand have your physician fax directly from his or her office

• Or, obtain new prescriptions from your doctor and mail them along with the order form to PrimeMail

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Prime Specialty Pharmacy877-627-MEDS (6337)

• BCBSIL has arranged for Prime Therapeutics Specialty Pharmacy* to support members who need specialty medication and help them manage their therapy.

• If you currently use a self-administered specialty drug, you can have your existing prescription transferred to Prime Specialty Pharmacy

• When you get your specialty drugs through Prime Specialty Pharmacy, you get support in managing your therapy – at no additional charge – including:

– Convenient delivery of drugs to you or your doctor’s office

– Information about your particular condition and about managing potential medication side effects

– Syringes, sharps containers and other supplies with each shipment for self-injectable drugs

– 24/7/365 customer service phone access

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^This list is not all-inclusive and may change from time to time. Visit bcbsil.com to see the up-to-date list of specialty drugs.

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Getting Started

Find prescription drug information NOWby logging on to bcbsil.com/members

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MyPrime and MyPrimeMail.com

Link from Blue Accessfor MembersSM to:• Locate a pharmacy

• Find drugs / formulary

• View prescription claim history

• Create personal drug list

• Learn about specific drugs– Rx Cost Calculator – Health information

• PrimeMail – Refill a mail order prescription– Check the status of an order

– Streamlined order refills

– Manage payment options

– Add alternative mailing address

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Partner Premiums Effective July 1, 2015

MedicalMonthly Rates

Base Plan Buy-Up Plan HSA Plan

Partner Only $680.37 $1,168.81 $389.48

Partner & Spouse $1,313.12 $2,255.80 $751.69

Partner & Child(ren) $1,265.47 $2,173.98 $724.43

Partner & Family $1,952.66 $3,354.57 $1,117.83


Highlights of Medical Plan Design Changes:■ Administrator will be BCBS IL■ Three national PPO options ■ 2015 year to date deductible and co-insurance paid

accumulators will transfer to BCBS IL for credit ■ New ID cards will be issued for July 1■ New RX vendor with My Prime – need to coordinate mail order

services■ Enrollment tiers have been further defined to offer you 4 tier

levels. ■ For the Base and Buy-Up plans, the out of network deductible

feeds the in network deductible■ For the H S A plan, the in and out of network deductibles are

each separate

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Medical Plan Enrollment for July 1, 2015:■ All employees who would like to continue medical coverage with

the Firm must elect one of the three BCBSIL PPO plans■ If no election is made by the end of Open Enrollment and you

currently have medical coverage in legacy EWP Plan, the following default enrollments will take place:

If current enrollment is in an HMO plan, the new plan will be the Base Plan

If current enrollment is the PPO plan, the new plan will be the Buy Up Plan

If current enrollment is the High Deductible plan, the new plan will be the BCBSIL High Deductible – HSA Plan

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Online Tools, Resources and Programs

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Register for Blue Access for MembersSM

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To register you will need your ID number

(1) on the back your ID card, OR(2) call Customer Service

Or clickRegister Nowfor New Users

Go to bcbsil.com via web or mobile

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How to Find a Provider

Call Customer Service on the back of your ID card

888-979-4516Call BlueCard® Access –

available 24/7800-810-BLUE (-2583)

From your computer OR mobile phone, log on to

bcbsil.comand click on

‘Provider Finder’

ORtalk with your

physician’s office

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BCBSIL App

• Find a doctor, hospital or urgent care facility• Search for doctors that speak Spanish• Log in to Blue Access for MembersSM

• View claims and coverage details• Create / view messages from customer service• Access or request ID cards• Access health and wellness information• Link to map and directions

To download the app, go to Google Play,the App Store or text “BCBSILAPP” to 33633

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• Claim questions or status• Medical benefit coverage questions• Help with finding network providers• Help with navigating BCBSIL online tools• ID card requests• Health education and transfer to

other health programs• Transition of care

Call your BCBS customer service team for:

888-979-4516

Service that Takes You Out of the Middle

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Section 3: Benefit Overviews – Delta Dental TX

Delta Dental PPO Plan

Eligibility Primary enrollee, spouse & eligible dependent to age 28

Deductibles $50 per person / $150 per family each calendar year

Maximums $5,000 per person each calendar year

Diagnostic & Preventative Services (D&P)• Exams, cleanings, x-rays & sealants 100% (deductible waived)

Basic Services• Fillings & simple tooth extractions 80%

Endodontics (root canals)• Covered under Basic Services 80%

Periodontics (gum treatment)• Covered under Basic Services 80%

Oral Surgery• Covered under Basic Services 80%

Major Services• Crowns, inlays, onlays & case restorations 50%

Prosthodontics• Bridges, dentures & implants 50%

Orthodontic Benefits• Adults & dependent children 50%

Orthodontic Maximum $5,000 Lifetime

You can visit any licensed dentist under this plan, but you’ll maximize plan value by selecting a Delta Dental PPO dentist. PPO network dentists have agreed to reduced contracted rates and can’t “balance bill” you for additional fees. Find a dentist at deltadentalins.com

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Section 3: Benefit Overviews – Delta Dental TX

Highlights of the Dental Plan Design changes:■ Mandatory enrollment for Partners■ One Dental Plan with calendar year maximum benefit of

$5,000 (replacing $1,200 and $2,000)■ Administrator will be Delta Dental TX■ Year to date claims data will transfer to Delta Dental TX■ New ID cards will be issued for July 1■ Four enrollment tiers ■ Deductible of $50/$150 (individual/family) for basic and

major services■ Major dental care is covered at 50% (Previously 75%)■ An orthodontia lifetime maximum is also in place at $5,000,

an increase to EWP’s Premium Plan orthodontia maximum of $1,500

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DentalMonthly Rates PPO Plan

Partner Only $51.20

Partner & Spouse $93.01

Partner & Child(ren) $112.26

Partner & Family $150.64

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Section 3: Benefit Overviews Vision - VSP

Benefit Description Copay Frequency

WellVision Exam Focuses on your eyes and overall wellness

$10 Every calendar year

Prescription Glasses $20 See frame & lenses

• Frame $130 allowance Included Every other calendar year

• Lenses Single vision, lined bifocal, lined trifocal lenses & Polycarbonate lenses for dependent children

Included Every other calendar year

• Lens Options • Standard progressive lenses• Premium progressive lenses• Custom progressive lenses• Average 35-40% off other lens options

$50$80 - $90$120 - $160

Every calendar year

Contacts (instead of glasses)

$130 allowance; 15% off contact lens exam

$0 Every calendar year

Diabetic Eyecare Plus Program

Services related to diabetic eye disease, glaucoma and age-relatedmacular degeneration (AMD). Retinal screening for eligiblemembers with diabetes. Limitations and coordination with medicalcoverage may apply. Ask your VSP doctor for details.

$20 As needed

Extra Savings & Discounts

• Additional Glasses & Sunglasses - 30% off • Laser Vision Correction - Average 15% off the regular price or 5% off the promotional

price

VSP is one of the nation’s leading vision service plans with providers nationwide. Visit vsp.com for coverage details if you plan to see a provider other than a VSP doctor. You can find a provider on line at vsp.com or you can call 800-877-7195

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Section 3: Benefit Overviews Vision – VSP

Highlights of the Vision Plan Design changes:

■ One Vision Plan option■ Well Vision Exam copay $10 (previously $25)■ Prescription glasses $20 copay (no longer combined with exam)■ The frame allowance $130 (previously $150/$220)■ Contact lenses allowance $130 (Fitting fee is now included with

allowance)■ Lenses will continue to include Polycarbonate lenses for dependent

children

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VisionMonthly Rates Voluntary

Partner Only $6.97

Partner & Spouse $13.95

Partner & Child(ren) $14.92

Partner & Family $23.85

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Section 3: Benefit OverviewsHealth Savings Account (HSA) HSA Bank

■ Administered by HSA Bank – www.hsabank.com■ If you choose to enroll in the High Deductible HSA medical plan you can fund your

HSA account through payroll deductions■ 2015 Contribution Limits: Single - $3,350 – Family - $6,650

Catch-up (age 55 or older) $1,000 ■ July elections will be 50% of the limits to coordinate with the short plan year■ You will need to create your account online. Instructions will be provided by the

Benefits Department should you elect to make HSA contributions.■ The Member Website gives you 24/7 online access to manage your account.

Some of the key features you may want to take advantage of include:■ Setting up direct deposit■ Updating your profile■ Checking your balance and account activity■ Adding an Authorized Signer to your account■ Ordering additional debit cards■ Viewing notifications advice of deposits and account statements

■ You can also manage your account through HSA Bank’s mobile app

Section 3: Benefit OverviewsHealth Savings Account (HSA) HSA Bank■ If you currently have a Health Savings Account with WageWorks, you will

have the option of rolling it over to HSA Bank or you can keep your account at WageWorks as an individual and pay the associated monthly fee. You have until the end of August to rollover funds. After August, you will be responsible for the monthly account fees.

■ If you transferred funds from the HSA account to Mutual Funds, those funds will have to be liquidated before the rollover which will take approximately three days to process

■ To obtain a Direct Rollover Form go to the Firm Benefits page under Health Savings Account tab. Send completed form to HSA Bank and they will manage the rollover with WageWorks. This could take up to six weeks. During the transfer you will not be able to access your funds.

■ HSA Bank will allow rollovers even if you are not electing to contribute to a Health Savings Account on July 1, 2015. Contact the HR HotLine at [email protected] or x7670 to receive information on opening a HSA Bank account before the rollover.

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mailto:[email protected]

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Section 3: Benefit OverviewsBasic Life and AD&D Insurance – The Standard

■ Under the Locke Lord plan, life insurance is a mandatory partner plan

■ Effective July 1, Partners will be auto enrolled in Term Life and AD&D coverage at $1 Million in coverage

■ Like all benefits Partners are responsible for the premiums■ No Medical Underwriting■ The legacy Edwards VGUL Life plan will terminate on June

30, 2015■ If your current coverage is greater than $1 Million, you will

be able to elect the additional life coverage up to your current VGUL coverage or the Standard’s plan maximum without underwriting

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Section 3: Benefit OverviewsVoluntary Life Insurance – The Standard

■ Obtain up to $700,000 or 5X your compensation in increments of $10,000.

■ Any voluntary coverage you currently have will be transition

over to The Standard (and rounded up to next 10,000 increment, if necessary)

■ All requests for any additional coverage over what you currently have must go through medical underwriting. ■ To submit a medical history statement go to the Firm Benefits

page under the Life Insurance tab.

■ Spouse Life up to $500,000. Child life up to $10,000

■ Spousal Life coverage cannot exceed your Voluntary Life election.

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Section 3: Benefit OverviewsVoluntary AD&D Insurance – The Standard

■ Voluntary AD&D Coverage may be elected in addition to voluntary life or on its own

■ Voluntary AD&D is available in amounts from $50,000 up to $500,000 in increments of $50,000.

■ Voluntary AD&D can be elected for individual or individual and family

■ See benefit highlight sheet for details on family coverage amounts based on employee election.

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Section 3: Benefit OverviewsLong Term Disability

■ LTD coverage – 60% of compensation (prior year’s K-1 earnings)

■ Partners maximum benefit of $25,000 per month

■ The elimination period is 90 days (previously 180 days)

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Section 3: Benefit OverviewsEmployee Assistance Provider (EAP)

Aetna Resources for Living

■ Confidential service available 24/7 to help you and all of your family members with almost any issue

■ Counseling available face-to-face, via telephone, or computer – Up to six sessions at no cost■ Counseling for self-help, family or child issues ■ Relationship Counseling■ Workplace Issues■ Healthy Living■ Elder Care■ Managing Finances

■ Call 1-800-843-1327 or visit www.mylifevalues.com■ Username: Locke Lord / Password: 8008431327

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Section 4: Other Firm Benefits

■ Business Travel Accident (BTA) Insurance – ACE

■ Supplemental Voluntary Plans (Cancer, Accident, Hospital Intensive Care, Critical Care) – AFLAC (enrollment at a later date)

■ Back-Up Child/Adult Care – Bright Horizons/Care.com

■ Long Term Care – Genworth (enrollment at a later date)

■ Discount Programs – Please see the Locke Lord Benefit page for more details.

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Section 5: How to Enroll

During the time period of May 12th through May 26th you may make benefit plan elections or changes that will be effective July 1st, 2015:

■ All partners will need to log into Workday to make their plan elections and beneficiary designations.

■ Open enrollment elections can only be made during this time for an effective date of July 1st, 2015

■ HSA elections must be made each open enrollment

■ If you choose to opt out of coverage, you will not be able to elect coverage or make any changes to your elections until your next open enrollment effective January 1, 2016. However, you will be permitted to make a benefit election change if you experience a family status change such as the birth of a child, marriage, divorce, spouse losing coverage, etc.

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Section 5: How to Enroll - continued

During the time period of May 12th through May 26th you may make benefit plan elections or changes that will be effective July 1st, 2015:

■ Plan Documents and pricing are available on the Firm Benefit page (link in Workday and Firm intranet)

■ Questions can be directed to the [email protected], x7670(from EWP office) or 401-455-7670.

■ To make changes to your benefits, please visit the Workday website. The link is available from the Firm’s Benefit site and your Open Enrollment email notice.

mailto:[email protected]

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Questions?

Attorney Advertising.Locke Lord LLP disclaims all liability whatsoever in relation to any materials or information provided. This presentation is provided solely for educational and informational purposes. It is not intended to constitute legal advice or to create an attorney-client relationship. If you wish to secure legal advice specific to your enterprise and circumstances in connection with any of the topics addressed we encourage you to engage counsel of your choice.© 2015 Locke Lord LLP

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