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New Halliburton
Benefits Center!
Inside
Rewired
G e t C o n n e c t e d : Tr ic k s o f th e Tr a d e
B en e f i t s R e l e a s e : 2 0 11 Ch a n g e s
A ns w e r s t o t h e B u r n i n g Qu e s tio n s
w ww.halliburton.com / t ot alrewards
Features
Rewired
Inside
By the Numbers
Hot New Tool for 2011: Medical Plan Analyzer
Enroll | Save | Spend
In the Drivers Seat
Equation Life Happens
The List
Fast Forward
Mistakes from the Future
BY THE NUMBERS
Employee Contribution
$48 million
Halliburton Contribution
$173 million
RE
To access the website for the first time, you will need to:
Go to www.halliburton.com/totalrewards.
Click on the Register Account button.
Enter your Social Security number.
Enter your last name.
Enter your date of birth (MMDDYYYY).
Thats it. Now you can enroll in your 2011 health and group benefits.
If you participate in the Health Care FSA or HSA, you will no longer be able
to use money in your account for medicine or drugs that are not prescribed
by a health care provider, except for insulin; over-the-counter drugs will no
longer be covered.
If you participate in the Health Savings Account and use the money for
nonqualified expenses, you will pay a 20% penalty (instead of todays
10% penalty).
Note: Starting in 2013, contributions to your Health Care FSA will be limited to
$2,500 per year. So, you can continue to contribute up to the maximum amount
of $5,000 per year until then.
LONGER-TERM CHANGES
Other provisions set to take effect over the next several years through 2018
may also have an impact on our costs and coverage. Some of the provisions you
may have heard the most about for example, a mandate that everyone have
health insurance, and help for low-income individuals to buy insurance will not
take effect for at least three years.
Note: The information described herein is a summary of our understanding of
health care reform as of the date of print of this magazine. Clarifications to health
care reform continue to be made and if any of the information contained here
changes or additional guidance is issued, you will be notified.
your 2011 benefits accordingly and ensure that your beneficiary designations
are correct.
You can add or change beneficiary designations for your current Basic
Employee Life, Optional Employee Life, Basic Employee AD&D and/or your
Optional Employee AD&D at any time. The 31-day rule does not apply to the
designation of beneficiaries.
What is a Qualified Change-in-Status event?
Its when good or bad things happen in your life that make you want to change
your benefit coverage or beneficiaries. Here are some examples (well leave it
to you decide whether theyre good or bad):
Have a new baby, get married or adopt a child
Get a divorce
Return from or begin an unpaid Leave of Absence
Have a dependent who gains or loses eligibility under another group
health plan, etc.
You are a rehired employee and it has been more than 31 days since
your last separation
You are a newly hired employee
You transfer from a U.S. domestic assignment to a U.S. Expatriate
assignment or vice versa.
What happens if I decline enrollment for myself or my dependents?
If you are declining enrollment for yourself or your dependents (including your
spouse), you may be able to elect coverage in the future due to a qualified
change-in-status event. In addition, if you are declining enrollment for
yourself or your dependents (including your spouse) because of other health
insurance or group health plan coverage, you may be able to enroll yourself
and your dependents in this plan if you or your dependents lose eligibility for
that other coverage (or if the employer stops contributing toward your or your
dependents other coverage). However, you must request enrollment within
31 days after your or your dependents other coverage ends (or after the
employer stops contributing toward the other coverage).
Step 2
Then, within 31 days of your hire date or the date of the qualified change-instatus event, you will want to do this, as well:
Refer to Exhibit A of the 2010 U.S. Health and Group Benefits Summary Plan
Description for a general list of eligible Qualified Change-in-Status events.
Hewitt
Annual Enrollment
October 27 to November 17, 2010
Mercer
New Hire
Step 1 - 2010 Elections
Step 2 - 2011 Annual Enrollment (October 27 to November 17, 2010)
Step 2 - 2011 Annual Enrollment (after November 17, 2010)
Qualified Change-in-Status Event
Step 1 - Update 2010 Benefits
Step 2 - Update 2011 Benefits
Beneficiary Changes
Step 1 - 2010
Step 2 - 2011
Legend:
(Web)
(Phone)
Hewitt: http://resources.hewitt.com/halliburtonbenefits
Toll free: 800-535-8130
or 847-883-0702
Mercer: www.halliburton.com/totalrewards
Toll free: 866-321-0964
or 857-362-5980
claims for the personalized analysis. The tool allows you to analyze what
impact adding or deleting a dependent will have on your health care costs
for 2011. You can also analyze how the cost of using additional medical
services, such as having a baby, would affect how much you will spend or
save based on the medical plan you choose. The tool will also show you
how much you can save in taxes by contributing to a Health Care Flexible
Spending Account or a Health Savings Account.
At Halliburton, your privacy is most important to us; therefore, none of
the individual data presented in the Medical Plan Analyzer is reported back
to the Company.
To learn how to maximize your tax savings and identify which medical
plan is best for you, log on to the Halliburton Total Rewards site. When
you start the Annual Enrollment process, click on the Medical Plan
Analyzer link. A new window will pop up, and you will be on your way to
analyzing your medical choices.
Please note that the first time you visit the Medical Plan Analyzer, a
Thomson Reuters End User License Agreement will appear. You should
read and accept this agreement in order to access this tool.
Under the medical program, the annual and lifetime limits for the
following services have been removed:
Chiropractic services
Hearing aids
Skilled nursing facility
Home health care services
TMJ treatment
Bariatric (weight-loss) surgery
Wigs covered following chemotherapy if prescribed
by a doctor
External breast prosthesis
Smoking cessation drugs.
Payroll deduction changes
As you are completing your Annual Enrollment, you will now
see your payroll deductions for health and group benefit
coverage reflected on a per pay period basis versus on a
monthly basis.
Bi-weekly paid employees (26 times per year) have been
accustomed to having benefit costs deducted 24 times a
year. Starting with your first payroll in January 2011, your
benefit costs will be deducted 26 times per year.
2011 Benefits
Do you need a refresher on the health and group benefits
that Halliburton offers?
Are you thinking about making changes to your health and
group benefits for 2011?
If you answered YES to either of the above, then there is a
100% chance that youll want to read the information on the
following pages.
2011 Benefits
Your 2011 Benefits
The information on the following
pages provides important details
about your medical, dental, vision,
life insurance, accidental death and
dismemberment (AD&D) insurance,
long-term disability (LTD) and flex
days programs.
Medical
PPO
In-Network
Deductible
Dental
Halliburton provides two different dental plan options to
allow you to choose the plan option that fits your needs.
You can choose the Dental Health Maintenance Organization
(DHMO), for those living in an eligible DHMO area, or the
Dental Preferred Provider Organization (DPPO).
The DHMO plan provides benefits through network dentists
only, except for emergency dental care. You must choose a
primary dentist for you and your covered dependents. The
DPPO allows you to choose any dentist, whether in or out of
network, although out-of-network services may cost more.
In-Network
Out-of-Pocket
Individual/Family
Co-Insurance
Routine Office Visit
Primary/Specialist
Out-of-Network*
In-Network
Out-of-Network*
Out-of-Area*
$8,250/
$16,500
$2,750/
$5,500
$3,000/
$6,000
$6,000/
$12,000
$3,000/
$6,000
80%
50%
80%
80%
100%
80%
100%
$20/$30
50% after
deductible
$20/$30
80% after
deductible
100% after
deductible
80% after
deductible
100% after
deductible
100%
50% after
deductible
100%
80%
100%
80%
100%
Medical
Out-of-Network*
HDHP
Annual Physical
Exam
DMP
Retail Pharmacy
Generic 30-day
supply
$15
100% after
deductible
80% after
deductible
100% after
deductible
Retail Pharmacy
Preferred Brand
30-day supply
100% after
deductible
80% after
deductible
100% after
deductible
Retail Pharmacy
Nonpreferred Brand
30-day supply
100% after
deductible
80% after
deductible
100% after
deductible
Mail Order
Pharmacy Generic
90-day supply
$30
100% after
deductible
80% after
deductible
100% after
deductible
Mail Order
Pharmacy
Preferred Brand
90-day supply
100% after
deductible
80% after
deductible
100% after
deductible
Mail Order
Pharmacy
Nonpreferred Brand
90-day supply
100% after
deductible
80% after
deductible
100% after
deductible
100% after
deductible
80% after
deductible
100% after
deductible
Specialty
Pharmacy**
Dental
Benefit Provisions
DHMO
DPPO
Individual Deductible
None
$50
Preventive Services
Covered in full
Covered in full
Basic Services
Co-pay structure
Major Services
Co-pay structure
Orthodontia/Lifetime Maximum
50%/$1,500
Annual Maximum
None
$1,500
Vision
Vision
In-Network
Out-of-Network
Eye Exam
Prescription Glasses*
Lenses
Single Vision
Lined Bifocal
Lined Trifocal
Frames
Contact Lenses*
instead of prescription glasses
(not medically necessary)
Up to $105 allowance
Not covered
*One pair of prescription glasses or contacts every plan year, beginning in January, but not both in the same year.
**These conditions include aphakia, anisometropia, high ametropia, nystagmus, keratoconus and correction of extreme
visual acuity problems that are not correctable with glasses, and following cataract surgery.
Life
Coverage
Employee*
Spouse*
$10,000 or from 1/2 to 3-1/2 times employee's annual benefit base pay. Coverage
cannot exceed the lesser of the employee coverage amount (including basic coverage)
or $250,000.
$10,000
Employee
Spouse
$50,000
This group program helps cover the cost of routine eye care
expenses such as exams, contact lenses and eyeglasses for
you and your eligible dependents.
Life
The Group Term Life Insurance plan provides financial
protection for you and your family. Basic Employee Life
Insurance provides a Company-paid benefit of one times
your annual benefit base pay (For more information on
annual benefit base pay, see Did You Know on page 26),
up to $50,000. If you want extra financial security, you have
the opportunity to purchase additional life insurance for
yourself, spouse and children.
Flex Days
Halliburton provides you the opportunity to purchase extra
days off, if eligible. These extra days are in addition to the
regular vacation days for which you may be eligible. If
you do not make any changes to your Flex Days election,
your 2010 elections will automatically carry over for 2011.
Because your need for time off may vary from year to
year, its important to review your election during Annual
Enrollment and make any necessary changes. Before you
elect to purchase Flex Days, please discuss your plans
with your manager to avoid scheduling conflicts. It is very
important to track your Flex Days, as well. Any unused Flex
Days remaining at the end of the year will be forfeited.
FSAs, HCSAs and HSAs operate differently, so check out the comparison below.
And, remember, your Enroll | Save | Spend strategy depends on the medical plan option you choose.
Dependent Day Care FSA*
What happens
to unused
contributions?
Subject to the use it or lose it rule; you forfeit unused contributions at the end of the year
Contribution type
All eligible expenses are reimbursed when you file a claim or use your
new PayFlex debit card up to the full amount of your annual contribution,
regardless of the actual amount of money that has been deposited into
your account through payroll deductions.
*Rules set forth in the Internal Revenue Code provide that the benefits provided in the Dependent Day Care FSA cannot discriminate in favor of highly
compensated employees (as defined in the IRC). The Plan reserves the right to prospectively cut back contributions made to the Dependent Day Care
FSA by highly compensated employees if such action is necessary to maintain the tax-qualified status of the Dependent Day Care FSA. The IRC also
prohibits the Health Care FSA and HCSA from discriminating in favor of highly compensated individuals (as defined in the IRC). The Plan reserves the
right to change your contribution elections if necessary to maintain the tax-qualified status of the Health Care FSA or HCSA.
**Contributions to a Health Savings Account will only be made directly through payroll deduction on a pre-tax basis if you elect to open a Health
Savings Account sponsored by Chase. If you do not want to open a Health Savings Account with Chase, you can make after-tax contributions to an HSA
sponsored by any other institution and claim the deposits as a deduction when you file your income taxes.
It is important to remember that if you do not take any action to change your FSA or HCSA elections during Annual Enrollment, the elections you made
for these programs for the 2010 plan year will automatically roll over for the 2011 plan year. For the HSA, you must re-elect your contribution amount
for 2011. Further, Internal Revenue Code rules provide that you will not be permitted to make changes to the automatically rolled-over elections unless
you have a Qualified Change-in-Status event. Thus, it is important for you to review your current elections and make necessary changes during Annual
Enrollment if your circumstances have changed.
For lifes
challenges
at home
and at
Halliburton
Windows
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*
*
or 857-362-5980
Weekdays, 7:30 a.m. - 7:30 p.m. Central Time
www.halliburton.com/totalrewards
2011 Benenfits Guide 17
The High Deductible Health Plan (HDHP) puts you in the drivers seat.
The HDHP lets you control the costs of your health care. Through a lower
premium and higher deductible compared to more traditional health plans,
you are encouraged to shop around for the best, and most affordable,
care.
In the HDHP, you pay a lower monthly contribution with no spousal
surcharge. Then, you pay any medical, prescription drug and mental
health/ substance abuse expenses during the plan year until you meet
your annual deductible: $3,000 employee only or $6,000 employee-plusdependent(s).
the amount of your HSA contribution can be made at any time during the
year through the Halliburton Total Rewards website.
Repeat destination:
If you have already opened a Chase HSA for 2010, make your 2011
contribution election on Halliburton Total Rewards.
No further action is needed on the Chase website.
Money down
By adding a health savings account (HSA) to your HDHP, you get medical
coverage plus a savings account that provides tax advantages with no
risk of forfeitures. The HSA is a tax-free savings account owned by an
individual, and it may be used to pay for qualifying medical expenses
for you and your family. You can decide how much you would like
to contribute, when and how to spend the money on eligible medical
expenses, and how to invest the balance.
Combining the HDHP and HSA makes for a more interesting, costeffective journey:
The HSA allows for tax advantages when you make pre-tax
contributions to the Chase HSA. (If you make after-tax contributions
to an HSA sponsored by any other institution, you can claim the
deposits as a deduction when you file your income tax return.)
When your funds grow, the earnings are tax-free (and you have the
option of specifying how you want your funds to be invested).
When you spend HSA funds on qualified medical expenses, you will
not pay taxes on those dollars.
HSA roadmap
Payroll deductions allow you to make automatic, pre-tax contributions
to a Chase HSA (or you can set up an HSA through your own financial
institution and make tax-deductible deposits). At the end of each year,
the balance will remain in the account; you do not forfeit unspent funds.
You may make changes to your HSA contribution at any time during the
plan year. You do not have to experience a Qualified Change-in-Status
event to adjust your contribution amount.
If you were contributing to a Chase HSA through payroll deductions for
2010, your contribution elections do not roll over to 2011. You must
proactively make your 2011 contribution elections. However, changes in
Your
healthcare
dollars will
go farther
when you open a Chase
Health Savings Account
2010 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A, Member FDIC
Equation
Monthly Webinars
A simple formula to wellness is setting aside the third Tuesday of every month, at 1 p.m.
Central Time, to attend an online webinar. These lively webinars focus on a wide range
of health-related topics, such as physical activity, improving your eating habits, wellness
investments under $100, preventing cardiovascular disease, stress management and more.
For more information, check in the Today newsletter and on HalWorld.
Biometric Screenings
A picture is worth a thousand words. Thats the idea behind health screenings giving
you a quick picture of your overall health, and helping detect problems so that you can
take appropriate measures. Think of these tests and numbers as a vital part of your health
management strategy.
See? It all adds up. So, what are you waiting for? Unless youre reading this guide on a
treadmill, visit LiveWell, find the right healthy living formula and get started today!
Weight Management
Diets are temporary. Healthy weight loss
is permanent. With this program, you can
lose weight and learn how to keep it off
with health habits that become your new
way of life.
Tobacco Cessation
Quit for life, quit for good. We know
quitting a tobacco habit isnt easy. We can
help turn the possibility into reality.
Physical Activity
Feeling lethargic? Energize your life.
You can learn how to put energy back into
your life by learning physical activities that
lead to a more energized you.
Healthy Eating
Love food? Learn how to improve your
eating habits. You will learn the right foods
to eat and the correct way of eating.
Stress Management
Control your stress control your life.
We know managing stress isnt easy and
we can help turn the possibility into
YOUR reality.
Sleep Apnea
A full nights sleep is not a luxury its
a basic necessity for healthy hormone
balance. Once you dip below seven hours
a night, you are increasing your risk of
diabetes, cancer, heart disease, stroke,
depression and obesity.
2011 Benenfits Guide XX
The List
Fast Forward
Take control of your future by utilizing these web resources.
Benefits tool
Plan compare
For each of the medical, dental and vision plan options available for 2011, compare the
coverage, co-pays, deductibles and other important features.
Use your actual claims history to find the best medical plan option for you and your
family. Dont worry; the data used in this tool is kept confidential.
Access the Health and Group Benefits Summary Plan Descriptions, which provide
in-depth details about the plan provisions.
Obtain real-time answers to your questions about the health and group benefits offered
for 2011 by chatting online with a Halliburton Benefits Center representative, or, if you
prefer e-mail, send a message to a representative.
Record your numbers like weight, cholesterol, blood pressure to get a picture of
your health.
Estimate your life insurance and LTD needs.
eliminate
tobacco.
save
money.
Halliburton is
committed
to promoting
healthy lifestyles.
Tobacco-free employees
will receive a 20% medical
premium discount for
remaining tobacco-free.
To qualify for the
nontobacco-user discount,
you must certify that you and
your spouse have not used any
tobacco products since
December 31, 2009, and that
you and your spouse will
continue to refrain from using
any tobacco products while
you are receiving the
nontobacco-user discount.
This certification is subject to
Halliburtons Code of Business
Conduct.
Certain exceptions may be
available if it is unreasonably
difficult or medically
inadvisable for you to quit
tobacco. If you currently use
tobacco products, Halliburton
can help you quit with a
selection of tobacco-cessation
programs.
$100
When you take the Health Risk Assessment (HRA) at www.halliburton.com/totalrewards between
October 27 and November 30, 2010, youll receive a $100 per employee credit toward your 2011 annual
deductible if you enroll in a Halliburton-sponsored medical plan option.
Taking the HRA makes good sense for your budget and your life. The path to good health starts with
assessing your lifestyle and making positive behavioral changes.
This is a confidential assessment in which you answer questions about your health, lifestyle and readiness
for improvement. The information you provide will help the program identify your health risk factors and
assess your likelihood of developing chronic conditions such as heart disease, high blood pressure and
diabetes. Upon completing the HRA, you will receive a report that outlines your personal results.
www.halliburton.com/totalrewards
Know Your
Numbers
Knowing the numbers for your blood
pressure, glucose, cholesterol, body
mass index and body composition is an
important first step in understanding
how to make smart decisions about your
health. In fact, your numbers can help
you find out if you have certain health
risks. Our LiveWell program can help
you learn your numbers, meet with a
health educator and put a plan together to
address your risks. Take charge of your
health today log on to www.halliburton.
com/totalrewards to take your health risk
assessment or call 866-724-8901 for
more information.
Mistakes from
the Future
2. You can make changes to your benefits during the year if you have
a Qualified Change-in-Status event if you report it within 31 days.
This communication provides a brief overview of the benefit choices that will
be offered to eligible Halliburton U.S. employees for 2011. It is not a complete
description of the choices or a complete description of the plans that will be
available in your Summary Plan Descriptions.
Summary of Material Modifications
This communication is a summary of the material modifications made to the
Halliburton Energy Services, Inc. Welfare Benefit Plan. This summary revises
and replaces certain text in the Plans summary plan descriptions. To the
extent that materials in the Plans summary plan descriptions and this brochure
conflict, the information in this brochure will govern. Thus, please keep a copy
of this brochure as a supplement to your Plans summary plan descriptions.
For answers to immediate questions about your 2010 benefits, please call the
Halliburton Benefits Center at 1-800-535-8130, Monday through Friday, from
8:30 a.m. 5:00 p.m. Central Time. You can also submit your inquiries to the
Halliburton Benefits Center via the Your Benefits ResourcesTM (YBR) site at
http://resources.hewitt.com/halliburtonbenefits. Once you enter your User ID and
password, choose the Contact Us menu option on the left-hand side of your
screen and you can then choose the option Use E-mail to Send a Question to
a Benefits Representative. You will receive a response to your inquiry within 3
business days.
For questions about your 2011 Annual Enrollment and health and group benefits,
please contact the new Halliburton Benefits Center, Monday through Friday, at
866-321-0964 (if dialing internationally, use your countrys AT&T access number)
or 857-362-5980, from 7:30 a.m. to 7:30 p.m. Central Time. You can also log on
to www.halliburton.com/totalrewards for information or to initiate a chat session.
Every effort has been made to provide clear and accurate information about
Halliburtons benefit plans. However, in the event of a discrepancy between this
material, the plans summary plan description and the official plan documents,
the official plan documents will govern. There are no guarantees that participation
under the benefit plans described in this material will remain unchanged in future
years. Halliburton reserves the right to change, suspend, amend or terminate the
plans described in this material at any time, in whole or in part. This means that
the plans may be:
Discontinued in their entirety;
Changed to provide different levels of benefits;
Changed to provide for different cost sharing between the Company and
participants; or
Changed in any other way.
Any such change or termination shall be solely at the discretion of the Company.
You will be notified if any such change or termination occurs.
The Womens Health and Cancer Rights Act of 1998
Under Halliburtons Medical Program, coverage will be provided to an employee
or covered dependent who is receiving benefits for a medically necessary
mastectomy and who elects breast reconstruction after the mastectomy for:
Reconstruction of the breast on which a mastectomy has been performed
Surgery and reconstruction of the other breast to produce a symmetrical
appearance
Prostheses
Treatment of physical complications of all states of mastectomy, including
lymph edemas.
This coverage will provide benefits in consultation with the attending physician
and the patient, and will be subject to the same deductibles and co-insurance
provided for the mastectomy.
M259302
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