This spreadsheet was created for us by our agents and account managers to give to clients. It was a summary of all a clients Health and welfare benefits

1. Pocket Communicator
As an employee of COMPANY NAME you are eligible for certain fringe benefits. These benefits are important to you and make up a significant
portion of your compensation. Benefits are available in employees who work 30 or more hours per week and will begin the first of the month
following your date of employment.
Medical - CARRIER NAME -
** If the High Deductible Health Plan (H.D.H.P.) that is Health Savings Account (H.S.A.) compatible is choosen the following employer contribution
occurs: COMPANY will contribute up to $0 for Employee Only coverage or $0 for Employee & Spouse, Employee & Child, Employee & Family
coverage. Please refer to the H.S.A. handout that is provided as part of the enrollment kit for benefits.
PLAN TYPE PLAN TYPE PLAN TYPE
Carrier
Medical Benefits
Calendar Year
Deductible (Family)
Out-of-Pocket Limit
(Family), after deductible
Physician Office Visits
Primary Care Physician Co-
Pay (Office, Lab)
Specialist Co-Pay
Out-Patient Surgical
Expenses
BBVA Compass Consulting and Benefits
05/28/2011
713-461-3043

2. Pocket Communicator
Preventive Care (Checkups)
Hospital Care
Hospital Services
Maternity/Newborn Charges
Emergency Room
Urgent Care Center
Prescription Drugs
Pharmacy
Mail Order
Lifetime Maximum
Dependent Child Age Limit
Provider Network
Bi-Weekly Premium Costs:
Employee Only $- $- $-
Employee & Spouse $- $- $-
Employee & Children $- $- $-
Employee & Family $- $- $-
BBVA Compass Consulting and Benefits
05/28/2011
713-461-3043

3. Pocket Communicator
Dental - CARRIER
Carrier Buy Up Dental Plan Base Dental Plan
Type of Plan Indemnity Tied to PPO Network
Calendar Year
Deductible (Family)
Preventive
Basic
Major
Calendar Year Maximum
Orthodontic Services
Bi-Weekly Premium Costs:
Employee Only $- $-
Employee & Spouse $- $-
Employee & Children $- $-
Employee & Family $- $-
Voluntary Vision - CARRIER - Vision benefits are provided on a scheduled basis. Covered charges equal the actual cost charged to the insured
member or dependent, up to the allowance shown in the beneift design listed below.
Exams
Frames and Lenses
Contact Lenses
BBVA Compass Consulting and Benefits
05/28/2011
713-461-3043

4. Pocket Communicator
Life and Accidental Death - CARRIER - All fulltime employees receive a life and accidental death & dismemeberment benefit of $0. These benefits
are paid by COMPANY. The benefit will double in the event death is due to an accident.
Voluntary Term Life - CARRIER - Employees can choose to purchase additional life insurance in $0 increments. Minimum $0, Maximum $0.
Eligible spouses can be covered in $0 increments up to $0, and children can be covered up to $0.
Voluntary Short Term Disability - CARRIER - All active, full-time employees are eligible to enroll. Benefits begin on: The 8th day for disability due
to injury or sickness. The benefit is based on 60% of predisabiliy earnings, with a maximum benefit of $0 weekly and the benefit duration is for
12 weeks.
Long Term Disability - CARRIER - COMPANY NAME provides this coverage at no cost to all eligible employees. If deemed disabled for 90 days,
Principal Financial will pay a benefit equal to 60% of your basic monthly earnings up to $0.
Flexible Spending Account - CARRIER - Employees may, through payroll deductions, set aside money on a pre-tax basis in a flexible spending
account and reduce taxable income. This is done in two ways: 1. Employees may reimburse themselves for eligible medical expenses up to
$_____ per year for themselves and dependents, regardless of whether dependents are covered under the COMPANY NAME plans. If you are
participating in the High Deductible Health Plan and you have an Health Savings Account you can only participate in the FSA on a limited
basis(_________).
Employee Assistance Plan - ????
401(k) Retirement Plan - COMPANY NAME - You can contibute portions of your pay to the plan as pretax contributions that are deducted from
pay before taxes are withheld, so no current federal or state income taxes are paid on your contributions.
In 2009, participants will be able to contribute up to $16,500 or $22,000 if attaining age 50 before December 31, 2009. You are able to make
contributions in 1% increments, you can contribute 1% to 100% of your bonus to the plan on a pretax basis, rollover contributions are allowed.
Matching contributions are made on a discretionary basis - COMPANY NAME matches 25% of your first $1,000 in regular contributions, to a
maximum of $500 in company matching contributions per year.
BBVA Compass Consulting and Benefits
05/28/2011
713-461-3043

5. Pocket Communicator
Holidays - COMPANY HOLIDAY POLICY. Ask Plan Admin.The scheduled holidays are: New Year's Day, Memorial Day, Independence Day, Labor
Day, Thanksgiving Day, Day after Thanksgiving, Christmas Day and either Christmas Eve or Day after Christmas (depending on the day
Christmas falls on).
BBVA Compass Consulting and Benefits
05/28/2011
713-461-3043