3. The Benefits of Working at ReachLocal
At ReachLocal, we know that to succeed we need employees who
are committed to excellence. We acknowledge your important
contributions to our success by providing a competitive total rewards
package consisting of pay, benefits and development opportunities.
This brochure gives you an overview of the benefits program at
ReachLocal. Please review it, share it with your family and be sure
to enroll by the deadline to ensure coverage.
If you have any questions about your benefits, please contact
Human Resources at hr@reachlocal.com.
4. Contents
About 2012-2013 Open Enrollment........................................................ 1
Medical Plans........................................................................................... 2
Anthem Blue Cross Base PPO Plan
Anthem Blue Cross Base Plus PPO Plan
Anthem Blue Cross Buy Up PPO Plan
Dental Plans............................................................................................. 5
Guardian Dental HMO Plan
Guardian Dental Base PPO Plan
Guardian Dental Buy Up PPO Plan
Vision Plan............................................................................................... 8
Anthem Blue Cross Vision PPO Plan
Term Life, Accidental Death
& Dismemberment (AD&D) and Disability Plans.................................. 9
Anthem Blue Cross Group Term Life
Anthem Blue Cross Voluntary Life
Anthem Blue Cross STD & LTD
Flexible Spending Account................................................................... 11
401K Retirement Plan............................................................................ 11
Employee Assistance Program (EAP).................................................. 12
Medical and Emergency Information.................................................... 13
Contact Information
5. About 2012-2013 Open Enrollment
Each year ReachLocal holds Open Enrollment
THIS IS THE TIME YOU CAN
• Change the benefits plans you’re enrolled in
• Change who you cover by adding or dropping dependents
• Increase your voluntary life and/or disability coverages
WHAT YOU NEED TO DO
To make sure you have the benefits coverage you want during 2012-2013:
• Attend a webinar
• Discuss your benefit needs with your family
• Go online www.vbas.com and confirm or change current elections
WHO IS ELIGIBLE
You are eligible for the ReachLocal benefits program if you are:
• A full time employee who is regularly scheduled to work at least 30
1
hours each week and have completed at least 30 days of employment
• You may also elect medical, dental, vision, life and/or disability
coverage(s) for your:
• Legal husband or wife
• Dependent children until they turn age 26
• Unmarried dependent children over age 26 who are physically or
mentally incapable of self support.
QUALIFYING EVENTS
During the year, you can change your benefit elections only if you
experience a qualifying event. Examples of qualifying events include
changes in:
• Marital status (marriage, divorce, legal separation)
• Adding dependent(s) – birth, adoption, placement for adoption, being
named legal guardian
• Dependent status (child reaches maximum age)
• Eligibility status (you or your spouse experience a change in hours,
job loss, getting a new job, become entitled to Medicare or Medicaid).
You have 31 days from the time of the qualifying event to notify Human
Resources to change your benefits.
6. 2
Anthem Blue Cross Base PPO Plan
Option PPO LHSA 86
In-Network Out-of-Network
Annual Plan Deductible Individual: $1500
Family: $3,000
Individual: $1,500
Family: $3,000
Maximum Out-of-Pocket Individual: $3,000
Family: $6,000
Individual: $6,000
Family: $12,000
Lifetime Maximum Unlimited Unlimited
In-Patient
Hospitalization 10% (after deductible) 30% (after out-of-network
deductible)
Out-Patient
Hospitalization 10% (after deductible) 30% (after deductible)
Emergency Room 10% (after deductible) 30% (after deductible)
Office Visit 10% (after deductible) 30% (after deductible)
Preventative Care No charge 30% (after deductible)
Chiropractic 10% (after deductible)
24 visits
30% (after deductible)
24 visits
Prescription Drugs
Generic
Preferred Brand
Non-Preferred Brand
Self-Injectable
$10 copay (after deductible)
$30 copay (after deductible)
$50 copay (after deductible)
30%
Member pays retail copay
plus 30% of the remaining
covered expenses in excess
of the maximum allowed
amount
The above material is for information only. It is not intended to fully describe the benefits or
plan limitations. For a full list of benefit coverage and exclusions refer to the plan documents,
which govern your right to and the extent of your benefits.
Enrollment Deduction per Paycheck
Employee Only $0.00
Two Party (Employee +
one dependent) $88.00
Family (Employee + two
or more dependents) $125.72
7. 3
Anthem Blue Cross Base Plus PPO Plan
PPO PC3 (CA)
In-Network Out-of-Network
Annual Plan Deductible Individual: $500
Family: $1,000
Individual: $500
Family: $1,000
Coinsurance 20% 40%
Maximum Out-of-Pocket
Individual: $3,000
Two party: N/A
Family: Per member
Individual: $6,000
Two Party: N/A
Family: Per Member
Lifetime Maximum Unlimited Unlimited
In-Patient
Hospitalization 20%
40% after $500/admission
(waived for emergency
admission)
Out-Patient
Hospitalization 20% 40%
Emergency Room $100 copay + 20%
(waived if admitted)
$100 copay
(Waived if admitted)
Office Visit $20 copay 40%
Preventative Care No charge 40% (deductible waived)
In-Patient Substance
Abuse 20% 40%
Chiropractic 20%
24 visits
40% ($25 a visit)
Limit 24 visits
Prescription Drugs
Generic
Preferred Brand
Non-Preferred Brand
Self-Injectable
$10 copay
$20 copay
$40 copay
20% (maximum $150 copay)
Member pays retail copay
plus 50% of the remaining
covered expenses in excess
of the maximum allowed
amount
The above material is for information only. It is not intended to fully describe the benefits or plan
limitations. For a full list of benefit coverage and exclusions refer to the plan documents, which
govern your right to and the extent of your benefits.
Enrollment Deduction per Paycheck
Employee Only $11.76
Two Party (Employee +
one dependent) $106.36
Family (Employee + two
or more dependents) $151.93
8. 4
Anthem Blue Cross Buy Up PPO Plan
PPO PC6 (CA)
In-Network Out-of-Network
Annual Plan Deductible Individual: $250
Family: $750
Individual: $250
Family: $750
Coinsurance 10% 30%
Maximum Out-of-Pocket
Individual: $2,000
Two party: N/A
Family: Per member
Individual: $6,000
Two Party: N/A
Family: Per Member
Lifetime Maximum Unlimited Unlimited
In-Patient
Hospitalization 10%
30% after $500/admission
(waived for emergency
admission)
Out-Patient
Hospitalization 10% 30%
Emergency Room $100 copay + 10%
(waived if admitted)
$100 copay
(Waived if admitted)
Office Visit $10 copay 30%
Preventative Care No charge 40% (deductible waived)
In-Patient Substance
Abuse 10% 30%
Chiropractic 10%
24 visits
30% ($25 a visit)
Limit 24 visits
Prescription Drugs
Generic
Preferred Brand
Non-Preferred Brand
Self-Injectable
$10 copay
$20 copay
$40 copay
20% (maximum $150 copay)
Member pays retail copay
plus 50% of the remaining
covered expenses in excess
of the maximum allowed
amount
The above material is for information only. It is not intended to fully describe the benefits or plan
limitations. For a full list of benefit coverage and exclusions refer to the plan documents, which
govern your right to and the extent of your benefits.
Enrollment Deduction per Paycheck
Employee Only $43.94
Two Party (Employee +
one dependent) $174.94
Family (Employee + two
or more dependents) $249.89
9. 5
Guardian Dental HMO Plan
Dental HMO Plan
Network Only*
Preventive Deductible N/A
Basic & Major
Deductible N/A
Annual Maximum Individual: Unlimited
DPPO Coinsurance
Diagnostics (exams)
No charge
Preventive (teeth cleaning)
No charge
Basic (fillings)
No charge
Scaling & Root Planning
($15-$25)
(per quadrant)
Cleanings per year 2 (regular only)
Services
Root Canal
$70-$140
Prior Surgery
$60-$155
Single Crown
$100
Orthodontics
Dental Implants
Cosmetic Care - Bleaching
Child/Adult: $2,500-$2,800
N/A
$165
The above material is for information only. It is not intended to fully describe the benefits or plan
limitations. For a full list of benefit coverage and exclusions refer to the plan documents, which
govern your right to and the extent of your benefits.
*DHMO Plans are available in California, Florida, Illinois, Indiana, Michigan, Missouri, New Jersey,
New York and Texas.
Enrollment Deduction per Paycheck
Employee Only $0.00
Employee + Spouse $1.00
Employee + Child(ren) $1.00
Employee + Family $2.00
10. 6
Guardian Dental Base PPO Plan
DPPO Base without Ortho
In-Network Out-of-Network
Preventive Deductible Individual: N/A Individual: N/A
Basic & Major
Individual: $50
Individual: $50
Deductible
Family: $150
Family: $150
Annual Maximum Individual: $2,000 Individual: $2,000
DPPO Coinsurance
Diagnostics (exams)
No charge
No charge
Preventive (teeth cleaning)
No charge
No charge
Basic (fillings)
10%
20%
Major (oral surgery,
40%
50%
extractions, implants)
Cleanings per year 2 (regular only) 2 (regular only)
Dental Maximum Roll Over
Annual Threshold
$800
$800
Annual Roll Over Amount
$400
$400
Annual Roll Over In-Net-
$600
$600
Work Bonus
Orthodontics N/A N/A
Non-Network
Reimbursement 90th percentile of UCR 90th percentile of UCR
The above material is for information only. It is not intended to fully describe the benefits or plan
limitations. For a full list of benefit coverage and exclusions refer to the plan documents, which
govern your right to and the extent of your benefits.
Enrollment
Deduction per Paycheck
Employee Only $1.91
Employee + Spouse $20.51
Employee + Child(ren) $18.86
Employee + Family $32.30
11. 7
Guardian Dental Buy Up PPO Plan
DPPO Buy Up with Ortho
In-Network Out-of-Network
Preventive Deductible Individual: N/A Individual: N/A
Basic & Major
Individual: $50
Individual: $50
Deductible
Family: $150
Family: $150
Annual Maximum Individual: $3,000 Individual: $3,000
DPPO Coinsurance
Diagnostics (exams)
No charge
No charge
Preventive (teeth cleaning)
No charge
No charge
Basic (fillings)
10%
20%
Major (oral surgery,
40%
50%
extractions)
Cleanings per year 2 (regular only) 2 (regular only)
Dental Maximum Roll Over
Annual Threshold
$1,000
$1,000
Annual Roll Over Amount
$500
$500
Annual Roll Over In-Net-
$750
$750
Work Bonus
Orthodontics
Lifetime Maximum
Age Limitation
50%
Child/Adult: $2,000
N/A
50%
Child/Adult: $2,000
N/A
Non-Network
Reimbursement 90th percentile of UCR 90th percentile of UCR
The above material is for information only. It is not intended to fully describe the benefits or plan
limitations. For a full list of benefit coverage and exclusions refer to the plan documents, which
govern your right to and the extent of your benefits.
Enrollment Deduction per Paycheck
Employee Only $5.43
Employee + Spouse $28.16
Employee + Child(ren) $25.89
Employee + Family $44.35
12. 8
Anthem Blue Cross Vision PPO Plan
Blue View Vision
In-Network Out-of-Network
Frequency Allowance
Exam
Lenses or Contact Lenses
Frames
Once every 12 months
Once every 12 months
Once every 24 months
Once every 12 months
Once every 12 months
Once every 24 months
Vision Examination $20 copay Plan pays up to $49
Lenses
Single
100%
$35
Bifocal
100%
$49
Trifocal
100%
$74
Lenticular Lens
N/A
N/A
Contact Lenses
(In Lieu of Glasses)
Necessary: $100%
Elective: Up to $130
Necessary: $250
Elective: $92
Frames $130
20% off balance over $130 $50
The above material is for information only. It is not intended to fully describe the benefits or plan
limitations. For a full list of benefit coverage and exclusions refer to the plan documents, which
govern your right to and the extent of your benefits.
Enrollment Deduction per Paycheck
Employee Only $1.60
Employee + Spouse $3.85
Employee + Child(ren) $4.16
Employee + Family $7.05
13. Group Term Life and AD&D
All full time benefit eligible employees receive term Life and AD&D
benefits equal to one times annual salary to a maximum of $400,000.
This is fully paid for by ReachLocal.
Voluntary Life
You can purchase additional term life/AD&D benefits for yourself, your
spouse, and dependent child(ren) on a voluntary basis at cost effective
group pricing.
9
Voluntary Life
Monthly rate per $1,000 of Benefit
Age Employee or Spouse Child(ren)
< 25 $0.050 $0.03
25-29 $0.057
30-34 $0.071
35-39 $0.101
40-44 $0.144
45-49 $0.229
50-54 $0.365
55-59 $0.561
60-64 $0.875
65-69 $1.518
70-74 $2.709
75+ $5.309
Example: The cost for $100,000 Voluntary Life insurance for a 30 year-old
employee: Per Month: $7.10 + 3.61
Per Pay Period: $5.36
Voluntary AD&D Monthly rate
per $1,000 of benefit
Employee Only $0.0361
Employee + Family $0.051
14. 10
Short-Term & Long-Term Disability
Short-Term and Long-Term Disability benefits offer protection for your
salary when you are unable to work due to illness or a non-work related
injury.
Short-Term Disability benefit replaces
60% of your pre-disability earnings to
a max weekly benefit of $1,500 for 12
weeks. The elimination period is 8
days due to accident/sickness.
Voluntary STD Rates
Monthly rate per $10 of Weekly Benefit
Voluntary LTD Rates
Rate per $100 of Covered Salary
Example: 30 year-old employee to cover $60,000
salary (60% disability benefits):
Long-Term Disability
$36,000/year benefit up to Social
Security Normal Retirement Age
Cost: $4.25/pay period
Short-Term Disability
• $692.3/week benefit up to 12 weeks
Cost: $9.00/pay period
Long-Term Disability benefit replaces
60% of your pre-disability earnings
to a maximum benefit of $6,000 per
month and continues for 2 years if you
cannot perform your own occupation,
up to the Social Security Normal
Retirement Age if you cannot perform
any occupation.
Age Rate
< 25 $0.27
25-29 $0.29
30-34 $0.26
35-39 $0.23
40-44 $0.25
45-49 $0.27
50-54 $0.32
55-59 $0.43
60-64 $0.51
65-69 $0.55
70+ $0.55
Age Rate
< 25 $0.09
25-29 $0.11
30-34 $0.17
35-39 $0.25
40-44 $0.36
45-49 $0.52
50-54 $0.72
55-59 $0.93
60-64 $0.87
65-69 $0.95
70+ $0.98
15. Flexible Spending Account (FSA)
Take Advantage of Tax Savings to set aside funds for child care and medical
expenses tax free.
Employees can elect to participate in either Dependent Care Account or Health
Care account. You will have money deducted from your paychecks on a pretax
basis to use later to pay for qualified health care or dependent care related
expenses.
The advantage is that the employee’s taxable income is reduced by the amount
that is deducted, resulting in a lesser amount of tax being taken from the
employee’s pay check.
Maximum/Minimum Annual Deduction
Dependent Care: $5,000/$300
Health Care: $3600/$300
Use it or Lose It.
Qualified expenses must incur during the plan year from July 1 to June 30. You
have 90 days to submit claims for reimbursement. If you fail to claim the money
set aside in the FSA account, the funds will be forfeited as required by law.
401K Retirement Plan
Start saving for your future and watch your savings grow.
Contribute pre-tax dollars towards your retirement. Your contributions are with
pre-tax dollars and your earnings grow tax deferred.
• You can sign up at www.mykplan.com anytime after your first paycheck
• Contribute 1% to 90% of your gross wages on a pre-tax basis
• The money you contribute is always yours
11
- You can take a loan distribution
- You can rollover money from a previous employer into our plan
- If you leave ReachLocal, you can take the money with you
16. 12
Employee Assistance Program
Resource Advisor provided by Anthem Blue Cross
• Providing guidance and support to manage your emotional, legal and
financial issues 24/7 on the phone and/or online
• Professional legal and financial advisor visits on the phone or in person
• Beneficiary Services
• Identity Theft Victim Recovery Services
17. Medical & Emergency Information
Family Physcian
Dentist
Pediatrician
Pharmacy
Urgent Care
Hospital
Police Department
Fire Department
13
Notes
