2017

Employee Benefits
Enrollment Guide
Be Healthy. Be Active. Be Informed.
WELCOME TO McCARTHY!
We are excited to have you here! This guide was designed to help you learn about the benefit options available to you and your family. We hope the
information that follows allows you to make the most of McCarthys benefits package. All full-time salaried employees are eligible for McCarthys
health, dental, vision, and HSA/FSA plans as well as company-provided basic group life insurance, Accidental Death and Dismemberment (AD&D),
insurance, and short-term and long-term disability insurances (STD/LTD). Voluntary life, critical illness and accident insurances, legal and identity
theft protection, and pet insurance are also available for enrollment. McCarthy also offers many free programs and tools that add extra value and
provide additional support for employees.

Benefits Eligibility
For eligible employees, benefits begin on your 1st day of employment. You have 31 days to make your elections. All full-time salaried
employees and their families are eligible. This includes your spouse or domestic partner and dependent children. Additional details
on dependent eligibility/ coverage and tax implications are available online. Attempting to insure someone who is ineligible may result
in cancellation of coverage.

You will only be able to make benefit changes during your new hire enrollment period or annual open enrollment period.
Changes are not permitted outside of those two events, unless you experience an IRS- approved change in family status which includes
the following:

The addition of a dependent through birth, adoption,

or marriage

The loss of a dependent through divorce or death, or if your

child reaches the maximum age limit for coverage

A change in you or your spouses employment status from

full-time to part-time (or vice versa)

A spouses loss of employment

A change in your spouses employer provided coverage

(ex: open enrollment)

IMPORTANT NOTE:

If youre enrolling your spouse/domestic partner and/or dependent

child(ren), you will be required to produce documentation verifying
your dependents eligibility for medical, dental, and vision benefits
under the McCarthy plans. If youre enrolling a domestic partner,
please ensure that you review the Domestic Partnership Tax
Implications Notice available on the McCarthy benefits website.

KEY:

Benefits provided by McCarthy

Optional/Need to Enroll (addl to provided benefits)

PAGE 2 | Be Healthy. Be Active. Be Informed.

How to Enroll
Enrolling for your benefits is easy. Simply access the benefits
website BenefitFocus at mccarthy.HRinTouch.com from any PC, laptop, tablet or smartphone device.

ACCESS AT WORK
insider.mccarthy.com > Oracle PA > McCarthy Employee Self-Service > Benefits

Single Sign On: Access the website via single sign-on through Oracle PA. By accessing the site via Oracle, you will have direct access to
https://mccarthy.HRinTouch.com without having to enter your BenefitFocus password.

ACCESS AT HOME
https://mccarthy.HRinTouch.com
The BenefitFocus website requires a unique username and password for login.

SETTING UP USERNAME/PASSWORD

USERNAME: Your first name, the first initial of your last name and the last four digits of your Social Security Number.
Example: MichaelT1525 (username is not case sensitive)

Exceptions:
Enter only the first 10 letters of your first name
Example: Christopher becomes Christophe.

Remove any hyphens in your first name.

Example: Mary-Lou becomes MaryLou.

If you experience an issue after entering your username as specified above, there may already be someone in the system with
a similar login, so please enter the first two letters of your last initials.
Example: John Smith will likely have to enter JohnSm1234 instead of JohnS1234.

PASSWORD: If this is your first-time logging in, the password is your Date of Birth in the following format (01Jan1970). Once this
information is entered, you will be prompted to change your password.

YOUR BENEFITFOCUS USERNAME/PASSWORD ARE NOT THE SAME AS YOUR ORACLE

USERNAME/PASSWORD.
Every effort has been made to ensure the information presented is accurate and up-to-date. However, this guide provides a summary of the benefits available to you and may not
include all the details and provisions associated with each plan. Detailed information is available in the Summary Plan Description Booklets by contacting McCarthys Benefits
department or online via the benefits website BenefitFocus at mccarthy.hrintouch.com.

PAGE 3 | Be Healthy. Be Active. Be Informed. PAGE 3 | Be Healthy. Be Active. Be Informed.

MEDICAL Plan Option
(In-Network)
Cigna
CDHP 1300
Cigna
CDHP 2000
Cigna
Minimum Value
Kaiser
(CA or OR)
Our medical benefits are designed to help you and your
Individual / Family Individual / Family Individual / Family Individual / Family
family stay healthy while providing access to care when
you need it. There are three Consumer Driven Health
Deductible $1,300 / $2,600 $2,000 / $4,000 $3,000 / $6,000 $0
Plan (CDHP) options available through Cigna. All three
plans pay 100% for eligible, routine preventive care and
certain preventive/ maintenance prescriptions. Other OOP Maximum $2,600 / $5,200 $4,000 / $8,000 $6,000 / $6,000 $1,500 / $3,000
covered services from network providers are covered
at 70-80% (depending on plan type) once you meet an Coinsurance
annual deductible. Choosing a Primary Care Physician 80% 80% 70% 100%
(what CIGNA/Kaiser pays)
(PCP) is recommended, but not required. You do have
the option of using out-of-network providers as well Preventive Care
100% 100% 100% 100%
(routine tests & screening)
(non-CIGNA provider). If you visit an out-of-network
provider, benefits will be paid at the 2017 Weekly Premium Costs
out-of-network benefit level.
Employee (EE) Only $22.09 $15.95 $10.36 $18.25

If located in California, Oregon, Colorado, or Atlanta

EE + SP $54.36 $38.06 $24.93 $39.01
there is also an HMO plan option available through
Kaiser Permanente. All Kaiser plans pay 100% for
EE + CH $50.06 $34.95 $22.89 $39.20
eligible, routine preventive care. Other covered services
from network providers require a copay or are covered
EE + Family $74.99 $52.40 $36.27 $61.26
at 100%. If you elect the Kaiser Plan, you must use
Kaiser medical providers. There is no coverage for care
extended by non-Kaiser providers, except emergencies. McCarthy HSA/HRA
800 / 1600 800 / 1600 NA NA
Contribution
You may choose to designate a Primary Care Physician,
although you are not required to do so. All covered
services must be provided, prescribed, authorized, or
directed by a Kaiser Plan Physician and services must
be provided inside your Home Region.

The following chart summarizes the in-network features

of the plans. Refer to the Summary of Benefit Coverage
(SBC) and/ or the Summary Plan Description (SPD)
for additional details about coverage and exclusions.
Documents available on mccarthy.hrintouch.com.

REDUCE MEDICAL PREMIUMS

If you choose to enroll in our medical plan,
you can reduce your annual medical plan premiums
by up to $400for yourself, plus up to another $400
for your spouse/domestic partner through Vitality.
Thats $800 in potential savings!
See page 8 to sign up for Vitality

MEDICAL PLAN DEFAULT ENROLLMENT

You have 31 days from your start date to complete benefit
enrollment online. If you do not make an enrollment
election within 31 days, you will be default enrolled
into our Cigna Minimum Value plan with employee
only coverage. The Cigna Minimum Value plan is
the only health plan in which default enrollment will
be processed.

PAGE 4 | Be Healthy. Be Active. Be Informed. PAGE 4 | Be Healthy. Be Active. Be Informed.

Health Savings Account/ Coverage Level 2017 IRS Maximum Limit
Catch-Up Contribution
55 & Older

Health Reimbursement
(HSA/HRA)
EE Only $3,400 $1,000

If eligible, employees enrolling in a CDHP may also EE + SP

enroll in a Health Savings Account (HSA).HSAs allow EE + CH $6,750 $1,000
you to set aside pre-tax dollars which can then be used EE + Family
to pay for eligible medical, dental, and vision expenses.
HSAs are a triple tax benefit in that you save money into Maximum limits include combined employee & McCarthy contributions.
the account tax free, spend it tax free, and earn interest
tax free (once a certain level of funding is reached and Employee HSA contributions may be changed at any time during the year.
dollars are invested). If employer and/ or employee HSA
contributions are elected during enrollment, the account
will be set up with HealthEquity and you will receive
a welcome kit and debit card after completing enrollment.
McCarthy makes weekly HSA contributions into accounts
of employees enrolled in Cigna CDHP 1300/2000 plans.

To be eligible for an HSA, you must meet the

following criteria:

Have a qualified consumer directed health plan

(McCarthys CDHP plans are qualified plans)
Have no other health coverage including Medicare,
coverage under a spouse, etc unless it is also
a qualified plan.
Not be claimed as a dependent on someones tax return
Not participating in a flexible spending account (FSA)
that can pay for any medical expenses

If not eligible for HSA, the contribution will be added

to a Health Reimbursement Account (HRA).

California employees employer/employee contributions

are subject to taxes and will be deducted post-tax
through payroll.

PAGE 5 | Be Healthy. Be Active. Be Informed. PAGE 5 | Be Healthy. Be Active. Be Informed.

Flexible Spending Account (FSA) Plan 2017 IRS Maximum Limit

FSAs are tax favored accounts that allow you to pay

for eligible medical and dependent care expenses
Healthcare FSA $2,600
with pre-tax dollars. Some examples of Healthcare
FSA expenses include deductible and coinsurance,
and some examples of Dependent Care FSA expenses Dependent Care FSA $5,000
include nursery school or day care tuition, or before
and after school care. It is important to note that both
accounts are a use it or lose it benefit meaning that
unused funds are not rolled over and are forfeited at
the end of the year. The Healthcare FSA does offer
a grace period where you may incur claims through
March 15th of the following year and claim again the
previous years funds. All claims must be submitted for
reimbursement by March 31st of the following year.

You are eligible to sign up for Healthcare FSA if you

have waived medical coverage, if you enrolled in
Kaiser medical plan, or if you are eligible for Health
Reimbursement Account (HRA). All employees are
eligible to sign up for Dependent Care FSA regardless
of medical plan participation.

PAGE 6 | Be Healthy. Be Active. Be Informed.

DENTAL Plan Option
(In-Network)
PPO Cigna Dental HMO Cigna Dental

The Cigna Dental Plan is a great way to

Individual / Family Individual / Family
protect your smile. We offer two dental plan
options through Cigna Dental PPO and Deductible $50 / $150 $0
Dental HMO, providing a choice of services
matching your unique needs. Calendar Year Maximum $2,500 per person None

If you select the PPO plan, you do not need Preventive Care No Charge No Charge
to use a specific network of dentists to receive (exams, cleanings, x-rays) (4 cleanings per year) (2 cleanings per year)
services, however you will receive better dis- Copay between $0 - $110
Fillings 20% after deductible
counts and avoid balance billing if in-network depending on the type of filling
providers are used. If you select the HMO
New Crowns 40% after deductible Copay between $335 - $415
plan, please make sure that youve identified
a dentist within the Cigna HMO dental
Replacement Crowns 40% after deductible $11
plan network.
$2,195 Children / $2,905 Adult
The following chart summarizes the in-network Orthodontia 50% after deductible
(addtl charges may apply)
features of the plan. Refer to the Summary 2017 Weekly Premium Costs
Plan description for additional details about
coverage and exclusions. EE Only $1.70 $1.70

EE + SP $4.00 $4.00

EE + CH $2.90 $2.90

EE + Family $5.10 $5.10

VISION Vision Plan Coverage Copay Frequency

The VSP Vision Plan helps keep your vision

Individual / Family Individual / Family
sharp. Vision coverage helps pay for eye
exams, eyeglasses, contact lenses, and frames.
You have the flexibility to visit network or WELL VISION EXAM $10 Once every 12 months
non-network doctors, however you will pay
more out-of-pocket costs for those providers
FRAMES
that are out of network. $175 allowance for a wide selection of frames
Every other Calendar Year
$195 allowance for featured frame brands
The following chart summarizes the in-network 20% savings on the amount over your allowance
features of the plan. Refer to the Summary
Plan description for additional details about LENSES Included in
Single, Lined Bifocal, Lined Trifocal Every Calendar Year
coverage and exclusions. Children: Polycarbonate lenses
Prescription Glasses

LENS ENHANCEMENTS $50

Standard progressive lenses
$50
Premium progressive lenses Every Calendar Year
Custom progressive lenses
$50
Anti-reflective coating $25

CONTACTS (INSTEAD OF GLASSES)

$175 allowance; copay does not apply Up to $60 Every Calendar Year
Contact lens exam (fitting and evaluation)

2017 Weekly Premium Costs

EE Only $1.00

EE + SP $2.00

EE + CH $2.00

EE + Family $3.00

PAGE 7 | Be Healthy. Be Active. Be Informed. PAGE 7 | Be Healthy. Be Active. Be Informed.

WELLNESS VITALITY
When it comes to our construction projects, our approach has always been to invest a significant effort up front to prevent issues before
they occur. We have extended this same proactive approach to our wellness program, encouraging employees to make wellness a part of their
everyday lives. McCarthy has partnered with Vitality, an online interactive and personalized solution, to administer our wellness program.
It focuses on four key areas: awareness, prevention, activity and lifestyle and stress.

Vitality participants are rewarded for making healthier choices by earning gift cards from great retailers, fitness trackers, and gym
membership rebates you will even reduce McCarthy medical premiums by participating in Vitality.

Save on Medical Premiums! WEEKLY PREMIUM CREDITS EFFECTIVE JANUARY 1, 2017

Medical Premium Credits earned Oct. 1, 2016 Sept. 30, 2017

You and your spouse/partner dont have to be enrolled in will be applied weekly as follows:

our medical plan to participate in Vitality. Although if you are If you + your spouse/
enrolled in our medical plan, you can reduce your annual If you earned... Your credit will be... domestic partner earned,
medical plan premiums by up to $400 for yourself, plus up your credit will be
to another $400 for your spouse/domestic partner.
Thats $800 in potential savings! Bronze Status $1.92 $3.84

Silver Status $3.84 $7.69

Gold Status
$7.69 $15.38
(max premium savings)

Platinum Status $7.69 $15.38

Getting Started Earn Vitality Points Status & Rewards

Signup at powerofvitality.com
Youll earn Vitality Points for every
Vitality activity completed and goal
achieved. Engage often and your
points will add up quickly, allowing
you to enjoy exciting Vitality Rewards
in your not-so-distant future.
The more activities you complete the
more points you earn and the higher
status you achieve. The higher your
status, the more you save on medical
premiums. & The more points you earn,
the more rewards you are eligible for.

NEW HIRES ENROLLING IN BENEFITS TWO REQUIREMENTS TO ENROLL IN VITALITY

There are two requirements which need to be satisfied upon
enrolling in the medical benefits plan to claim the full weekly
premium reductions for 2017 and start earning Vitality Status
and premium reductions for 2018. You have 31 days from start
of your employment to complete these two requirements for
both you and your spouse/domestic partner. You will receive
an email from the McCarthy Benefits Department that outlines
within a couple days of joining how to submit your proof of
completing these items.
1. Logon to www.powerofvitality.com and take the Vitality
Health Review (VHR). To create an account with Vitality:
Select Register Today from home page. The site will
ask you to enter the last four digits of the Principal
Members SSN please enter the McCarthy employees
SSN. This is how Vitality links spouse/partners and
employee accounts.
2. Schedule and Complete Biometric Screening. You could
earn over 4,000 Vitality points. Screening can be
scheduled by going to:
Get Healthy > Vitality Check > How to Get a Vitality
Check > Employer Preferred Partner.

PAGE 8 | Be Healthy. Be Active. Be Informed. PAGE 8 | Be Healthy. Be Active. Be Informed.

RETIREMENT
The purpose of our retirement program is to assist you in meeting your savings goals and retirement needs. McCarthy offers a retirement program
comprised of two qualified defined contribution plans: the Employee Retirement Savings Plan (401k) and Employee Stock Ownership Plan (ESOP).

I RS Limits In 2017, the maximum employee contribution to a qualified retirement plan is $18,000, plus an additional $6,000 if age 50 or over. Additionally, theres also a total retirement plan
contribution limit (employee & employer) that can be contributed in single year for qualified retirement plans. For 2017, the limit is $54,000. This applies to both 401(k) and ESOP.

Retirement Savings 401(K) Employee Stock Ownership

Our Employee Retirement Savings Plan is a 401(k) plan with
professionally managed diversified funds. It is a voluntary savings
and investment plan designed to help you save for retirement
by investing a portion of your pay before taxes with plenty
of choices among a wide variety of investment options.
Your retirement savings contributions are made with pre-tax
dollars through this plan.
E nrollment in the 401(k) plan is automatic after approximately
30 days of employment, with a 6% contribution deducted from
your pay check each week. However, you may start participating
as soon as possible.
Contributions must be made through payroll deduction.
Roth (after-tax) contributions are allowed.
MATCHING CONTRIBUTION
After one year of service, we will match 50% of the first
6% of your pay that you contribute to your 401(k). Therefore,
the maximum matching contribution is 3% of your base pay.
COMPANY CONTRIBUTION SAFE HARBOR
After one year of service, we will also make a Company
contribution equal to 3% of your base pay, whether you make
contributions and participate in the 401(k) plan or not. Company
contributions are made on a weekly basis. This includes both
the Safe Harbor contribution as well as the match up to 3%.
Program (ESOP)
The Employee Stock Ownership Plan (ESOP) is an additional
retirement benefit for you. The Plan is a qualified ERISA
retirement plan, investing in shares of McCarthy Holdings stock.
We make a contribution to your account on an annual basis.
These contributions and the appreciation in share value
accumulate on a tax-deferred basis until money is withdrawn
after leaving the company.
Employees are automatically enrolled in the ESOP upon
eligibility and no contributions are required from you. This means
that you, as an ESOP shareholder and employee-owner, reap
the benefits of investment-free company ownership and increased
share value. Employer contributions are made in April for the
previous Plan Year to eligible employees.
Eligibility in the ESOP program is available to:
Full-time or part-time salaried employees
Employees with at least one year of service and 1,000
or more hours worked
Those employed by McCarthy on or before the last day
of the year (December 31)
The ESOP contribution is calculated at up to 19% of your base
pay each year, following 1 year of service. Contributions are
subject to a five-year vesting schedule.

EXAMPLE

Assume you began participating in the ESOP on September 1, 2016,

and you were eligible for the discretionary contribution for plan
year 2016 since you worked 1,000+ hours during the plan year
and were employed on December 31, 2016. Your base salary paid
for the entire year was $50,000 of which $20,000 was paid after
September 1, 2016. Your contribution would be based on the
$20,000 of eligible compensation (base salary) paid after
September 1, 2016.

For plan year 2017, your discretionary contribution would be based

on the eligible compensation you earned during 2016. Your base
salary paid during 2016 was $52,000, so your contribution would
be based on the entire $52,000.

HOW YOUR PORTION IS DETERMINED

X =
YOUR ELIGIBLE COMPANY YOUR SHARE OF
COMPENSATION DISCRETIONARY THE DISCRETIONARY
CONTRIBUTION CONTRIBUTION
TOTAL ELIGIBLE
COMPENSATION

PAGE 9 | Be Healthy. Be Active. Be Informed.

LIFE INSURANCE
BASIC TERM LIFE AND AD&D INSURANCE
Basic Term Life and AD&D insurance provided by Securian protects your familys financial future. Term Life insurance pays a benefit to your
beneficiaries if you die. AD&D insurance pays an additional benefit if you are seriously injured due to an accident or you die as the result of an
accident. Full-time salaried employees are provided with Basic Term Life insurance at 2.5 times your annual base salary up to a maximum of
$750,000. AD&D insurance is also provided at the same coverage level. These benefits are free and begin on your first day of employment.

OPTIONAL TERM LIFE AND AD&D INSURANCE OPTIONAL TERM LIFE

You have the opportunity to purchase additional Term Life and Employee and Spouse/Domestic Partner
AD&D insurance up to the maximum amount of 5 times your base Rates are per $1,000 of coverage
salary or $750,000 (whichever is less). This coverage is optional Attained Age Employee Spouse
and if elected can be put in place for you, your spouse/ domestic
partner, and/or your dependent child(ren). Spouse coverage cannot > 25 $0.068 $0.050
exceed $100,000. Dependent child(ren) coverage cannot exceed
$20,000. Optional AD&D coverage cannot exceed 10 times
25 - 29 $0.068 $0.060
your annual base salary or $250,000 (whichever is less).

Payroll deductions for optional coverage will not begin until 30 - 34 $0.082 $0.080
approval has been granted by the insurance company. You and
McCarthy will be notified when a decision is made.
35 - 39 $0.110 $0.090
Some exclusions apply, see insurance plan summary for details.
More details including costs are available on BenefitFocus website.
40 - 44 $0.150 $0.100

45 - 49 $0.235 $0.180

50 - 54 $0.393 $0.280

55 - 59 $0.579 $0.470

60 - 64 $0.779 $0.720

65 - 69 $1.517 $1.270

70+ $2.758 $2.070

Optional Accidental Death & Dismemberment (AD&D)

Coverage Level Per $1,000

Employee Only $0.035

Employee & Family $0.053

Optional Child Life

Coverage Level Per $1,000

One premium provides

coverage for all $0.077
eligible children

Rates increase with employee age.

PAGE 10 | Be Healthy. Be Active. Be Informed. PAGE 10 | Be Healthy. Be Active. Be Informed.

Critical Illness CRITICAL ILLNESS WEEKLY DEDUCTION
MetLife Low Plan $15,000 / MetLife High Plan $30,000

& Accident Insurance ATTAINED AGE

EMPLOYEE
Low / High
EMPLOYEE + SPOUSE
Low / High
EMPLOYEE + CHILDREN
Low / High
EMPLOYEE + FAMILY
Low / High
For more financial protection, you may choose
additional supplemental coverage through >25 $0.68 / $1.35 $1.35 / $2.70 $1.71 / $3.41 $2.38 / $4.76
MetLife. We offer Critical Illness Insurance
which pays a cash benefit in the event of
25 - 29 $0.75 / $1.51 $1.51 / $3.02 $1.79 / $3.57 $2.54 / $5.08
a covered condition. We also offer Accident
Insurance which provides protection in the
event of a covered accident or hospitalization 30 - 34 $1.28 / $2.55 $2.39 / $4.78 $2.31 / $4.62 $3.42 / $6.84
resulting from an accident.

Critical Illness insurance provides a lump sum 35 - 39 $2.13 / $4.26 $3.90 / $7.80 $3.16 / $6.33 $4.93 / $9.87
benefit to cover expenses associated with
certain illnesses such as cancer, heart attack, 40 - 44 $3.57 / $7.14 $6.42 / $12.84 $4.60 / $9.21 $7.45 / $14.91
and stroke among others. McCarthy offers
a benefit choice of $15,000 (low plan) or
$30,000 (high plan). The following chart details 45 - 49 $5.83 / $11.65 $10.33 / $20.65 $6.86 / $13.71 $11.36 / $22.71
the weekly cost of the low/high plans which
are based on employees age. 50 - 54 $9.16 / $18.33 $15.83 / $31.65 $10.19 / $20.39 $16.86 / $33.72

Accident Insurance provides a similar lump

sum benefit in the event of an accident to assist 55 - 59 $13.56 / $27.12 $22.96 / $45.91 $14.59 / $29.19 $23.99 / $47.98
with the deductible and other out of pocket
expenses. Accident insurance can pay you money 60 - 64 $20.06 / $40.13 $33.53 / $67.06 $21.09 / $42.19 $34.56 / $69.13
based on the injury and treatment you received
as a result of a covered accident. The money
is paid directly to you and you decide how to 65 - 69 $31.04 / $62.09 $51.17 / $102.34 $32.07 / $64.15 $52.20 / $104.40
spend it. The following chart details the weekly
cost of the low/high plans. Refer to mccarthy. 70+ $45.93 / $91.86 $77.30 / $154.59 $46.96 / $93.92 $78.33 / $156.66
hrintouch.com for more plan details.
GROUP ACCIDENT
MetLife Low Plan & MetLife High Plan

COVERAGE LOW PLAN HIGH PLAN

Employee $2.32 $4.20

Employee + Spouse $3.57 $6.42

Employee + Children $4.59 $8.42

Employee + Family $5.88 $10.76

Short-Term Disability/ DISABILITY

Short-Term Disability (STD) / Long-Term Disability (LTD)

Long-Term Disability Coverage Waiting Period Benefit Duration Benefit Amount

(STD/LTD) Short-Term
Disability
7 calendar days up to 26 weeks 100% pay

If you suffer from an illness or injury that

prevents you from working, McCarthy provides 60% total compensation
financial protection through Short-Term Disability up to Social Security (base pay + annual bonus
Long-Term
at no cost to you. Long-Term Disability benefits 26 weeks Normal Retirement Age paid during the preceding
Disability
become available when disability continues (SSNRA) 12 months) to a maximum
beyond the allotted Short-Term Disability period. monthly benefit of $20,000

PAGE 11 | Be Healthy. Be Active. Be Informed. PAGE 11 | Be Healthy. Be Active. Be Informed.

Hyatt Legal Plans
If you need legal advice, our Hyatt Legal Plan
is here for you. Upon enrolling you can receive
fully covered legal services and advice for
a wide range of basic legal matters.
InfoArmor
Enjoy peace of mind, financial reassurance,
and time saving expertise with InfoArmors
comprehensive identity protection plan,
PrivacyArmor. Upon enrolling you will receive
a wide range of services that go beyond stan-
dard identity theft monitoring. Coverage can
be purchased for yourself and other
family members.
Voluntary Pet Insurance
For many of us, our pets are an important
member of our family. When your pet needs
medical care, your last concerns should
be how to pay for it. Fortunately, Veterinary
Pet Insurance (VPI) can help you handle
the ever-increasing costs of care for an ill
or injured pet.
PAGE 12 | Be Healthy. Be Active. Be Informed.
HYATT LEGAL PLANS
If elected, plan covers employee, spouse/domestic partner
and dependent child(ren) on matters such as:
Estate Planning
Money Matters
Real Estate Matters
Elder Law Matters
Family Law
Traffic Law
$4.50/week
Document Preparation
Immigration Assistance
Juvenile Matters
Consumer Protection
Defense of Civil Lawsuits
Personal Property Protection
INFOARMOUR IDENTITY PROTECTION PLAN
If elected plan provides the following services (among others) to employee or employee and family:
Cost per Month:
$9.95 for employee only
$17.95 for family
Identity and Credit Monitoring
Credit Scores and Reports
Social Media Reputation Monitoring
Wallet and Password Protection
$1,000,000 Identity Theft Insurance Policy
VOLUNTARY PET INSURANCE
A VPI Pet Insurance policy covers thousands of medical problems and conditions related
to accidental injuries, emergencies, poisonings and illnesses, including cancer.
Premiums are determined by pet type, breed, and age.
Visit www.metlife.com/mybenefits or call 1-800-438-6388 to enroll.
Enrollment and premiums are paid directly to VPI and not managed directly by McCarthy.
PAGE 12 | Be Healthy. Be Active. Be Informed.
Employee Assistance Program Castlight
McCarthy offers a comprehensive EAP to provide assistance with Castlights health care shopping tool is currently provided free
everyday issues at no cost to employees and their family members. of charge to McCarthy employees and their dependents covered
Services include: by a Cigna medical plan. Services include:

Confidential assistance and counseling during times Search for doctors, medical facilities, or health care services
of personal need or crisis in your area

Health & Well-Being resources Review your past care

Financial and Legal consultations Learn about your plan

Community resources and much more!

Health Advocate
McCarthy partners with Health Advocate to provide employees
and their families with a Personal Health Advocate, typically a
registered nurse, supported by medical director and benefits and
claims specialists to help handle healthcare and insurance-related
issues. Services are covered at no cost to employees and include
assistance with:

Finding the right doctors and hospitals

Obtaining services for your elderly parent and parents-in law

Scheduling appointments, especially with

hard-to-reach specialists

Insurance claims and billing issues and much more!

PAGE 13 | Be Healthy. Be Active. Be Informed. PAGE 13 | Be Healthy. Be Active. Be Informed.

ConsejoSano
McCarthy partners with ConsejoSano to provide Spanish-
speaking employees and their families with fast, convenient
and confidential health advice. The service offers phone, text,
and chat consultations with Spanish-speaking doctors who
are available 24/7. Services are covered at no cost to employees
and include assistance with:
General Medical Advice
Emotional Support and Stress
Diabetes, Weight Loss and Nutrition
Navigating the US Health System
Livongo
Livongos diabetes management tool is currently provided free
of charge to McCarthy employees and their dependents covered
by a Cigna medical plan. Services include:
Livongo App-connected Meter at no cost
Real-time support from coaches and educators
Unlimited test strips and lancets at no cost
PAGE 14 | Be Healthy. Be Active. Be Informed.
Rethink
Rethinks web-based program aims to help parents caring for
children with developmental disabilities. The program helps
children reach their full potential by providing parents with tools,
resources, and coaching sessions that put clinical best practices
at your fingertips. Services are covered at no cost to employees
and provide access to a comprehensive online treatment
curriculum that includes:
Over 1500 simple step-by-step videos teaching
hundreds of skills
Written lesson plans and printed materials
Data and progress tracking that can easily be shared with
your childs care team
Remote consultations with clinicians
Grand Rounds
Grand Rounds expert medical advice tool is currently provided
free of charge to McCarthy employees and their dependents
covered by a Cigna medical plan. Services include:
Assistance with locating top doctors in your area, booking
appointments and gathering medical records
Real-time support from coaches and educators
Providing second opinions from world-leading experts
Providing informational and emotional support through existing
conditions and during new diagnoses
PAGE 14 | Be Healthy. Be Active. Be Informed.
2017 CONTACT INFORMATION
PLAN OR BENEFIT PHONE NUMBER WEBSITE WHEN TO CALL (If Enrolled) MOBILE APP

Verify medical coverage, RX costs,

CIGNA
800-244-6224 www.myCIGNA.com claims, health coaching, disease myCigna
(Medical CDHP Plans)
and wellness coaching

CIGNA
888-336-8258 www.myCIGNA.com Verify dental PPO coverage, claims myCigna
(Dental PPO)

CIGNA Verify dental HMO coverage,

800-367-1037 www.myCIGNA.com myCigna
(Dental HMO) Eligibility, claims

VSP Verify Vision coverage, locate

800-877-7195 www.vsp.com N/A
(Vision) providers, claims

Compare health care costs,

Castlight 855-572-2168 mycastlight.com Castlight Mobile
3 year claims history, HSA balance

Complete VHR, biometric

Vitality
877-224-7117 www.powerofvitality.com screenings, wellness education, Vitality Today
(Build for Life)
gym reimbursement

Resolve claims issues, locate

Health Advocate
866-695-8622 www.HealthAdvocate.com providers, second opinions, Health Advocate SmartHelp
(Healthcare Assistance)
transfer medical records

ConsejoSano
(Healthcare Assistance for
Spanish-Speaking Employees)
Need medical advice, help
855-999-7018 www.consejosano.com ConsejoSano
navigating the US health system.

FSA/HSA/HRA balance, review/

Health Equity
866-346-5800 www.healthequity.com submit transactions & claims, HealthEquity Mobile
(FSA/HSA/HRA Provider)
tax documents

Identity and credit reporting

InfoArmor
information, to submit identity theft
(Comprehensive Identity 800-789-2720 Mccarthy.hrintouch.com N/A
claim, social media monitoring
Protection)
and reporting.

Legal consultation, wills,

Hyatt Legal Plans 800-821-6400 www.legalplans.com estate planning, debt collection, Hyatt Legal Plans
traffic issues/court appearances

Kaiser Permanente HMO Verify medical coverage, EOBs,

800-464-4000 www.kp.org Kaiser Permanente
(CA Medical Only) claims, locate providers

Denver/Boulder:
800-632-9700

Northern CO:
844-201-5824
Kaiser Permanente HMO Verify medical coverage, EOBs,
www.kp.org Kaiser Permanente
(CO Medical Only) claims, locate providers
Southern CO:
888-681-7878

Mountain CO:
844-837-6884

Kaiser Permanente HMO Verify medical coverage, EOBs,

404-261-2590 www.kp.org Kaiser Permanente
(GA Medical Only) claims, locate providers

Kaiser Permanente HMO Verify medical coverage, EOBs,

800-813-2000 www.kp.org Kaiser Permanente
(Oregon Only) claims, locate providers

Livongo Use registration code:

800-945-4355 www.hello.livongo.com Livongo for Diabetes
(Diabetes Management) MCCARTHY
 PLAN OR BENEFIT PHONE NUMBER WEBSITE WHEN TO CALL (If Enrolled) MOBILE APP

Use registration code:

Rethink 877-988-8871 www.mccarthy.rethinkbenefits.com N/A
McCarthy1864

Expert advice or second opinions,

Grand Rounds support with locating providers
800-929-0926 www.grandrounds.com/mccarthy Grand Rounds
(Expert Medical Advice) booking appointments, gathering
medical records

Family Medical Leave

Liberty Mutual leave tracking,
888-259-4843 www.mylibertyconnection.com N/A
(Disability/FML) Disability file claims,
return to work assistance

Telephonic/Mobile Dr. consultation

MDLIve illnesses requiring
888-726-3171 mdlive.com/mccarthy MDLive Telehealth
(TeleDoc) general antibiotics,
Available 24/7/365

Report critical illnesses,

MetLife (Critical Illness
855-564-6638 www.mybenefits.metlife.com claims for covered accidents, coming soon
and Accident Insurance)
treatment and/or services

Securian Minnesota Life

866-293-6047 www.LifeBenefits.com File claims, life & AD&D N/A
(Life Insurance)

Provide assistance for everyday

if issues such as child/elder
care referrals, financial services
PAS 800-356-0845 consultation, familyand relationship
www.paseap.com N/A
(EAP Provider) CA 877-828-3635 issues, work/lifebalance, stress
management, alcoholor drug
concerns, and dealing with
conflict or violence.

Review account balance,

Wells Fargo 401(k) 800-728-3123 www.wellsfargo.com change deferrals, investment Wells Fargo
elections, beneficiary designation

McCarthy Holdings Kristyn Cantu: 314-919-2390 Benefit enrollment

mccarthy.HRinTouch.com Benefit Focus
Benefits Team Stephanie Rick: 314-919-2139 and questions

PAGE 16 | Be Healthy. Be Active. Be Informed.