Page 3 - 2019 Hess Benefits Decision Guide

What You Need To Do
{5 Simple Steps}
1. Review What’s
4. Use Your Resources Use your resources to make informed decisions.
n HESSBENEFITS.COM provides the information you need, when you need it, including:
n The basics about all of your Hess benefits n Informational videos
n Frequently Asked Questions
n MY HESS REWARDS is updated twice a year. Pay a visit to see the big picture—what you get in terms of compensation and benefits for being part of the Hess team. Are you getting the most from what Hess offers?
n EMPYREAN.HESS.COM The Hess Benefits Center is where you go to enroll. It has your personal information, covered dependents, current and available benefit options and costs, and more.
n AYCO can help you decide how much to put in your HSA or Dependent Care FSA (DCFSA). Simply call to speak with a coach at 1-888-741-2474 or log-in at ayco.com/login/hess.
5. Enroll Online
October 29–November 9, 2018
Enrolling in your 2019 benefits is fast and easy. See page 13 for details.
Changing
n HESS MEDICAL PLAN CONTRIBUTIONS are increasing by 6.7 percent.
n You can save more in your HEALTH SAVINGS ACCOUNT (HSA).
n We’re giving you more LTD coverage at no cost. n FAMILY ACCIDENT INSURANCE rates are
decreasing.
n With our new WELLNESS PROGRAM—starting in 2019—you can improve your health and earn incentives to reduce your heath care costs.
2. Decide Who to Cover
You can enroll yourself and your family in Hess benefits. Be sure you know who’s eligible, enter Social Security numbers on the Hess Benefits Center at empyrean.hess.com and remove any ineligible dependents promptly.
You are eligible if you are a full-time employee. Eligible dependents are:
n Your spouse
n Your domestic partner
n Your children through the end of the year in which they reach age 26
n Disabled children
3. Consider Your Choices
Think about your benefit needs for next year. Ask yourself:
n Am I contributing the maximum to my HSA? n Are my beneficiary designations up to date?