FAQ

Disability

Am I allowed any time off before my Expected Date of Hospital Confinement/Delivery?

In some instances, a person can perform her occupation right up to the time of hospital confinement while others may have problems that disable them before that date. Based on your condition, you may be allowed time off prior to the expected delivery date.

After calling Unum, what is the timeframe for getting my paperwork to them?

In general, most of the required information will be supplied to Unum when you call and speak to an in-take representative. You should fax or mail your Authorization Form to Unum as soon as possible after this call. You must also give your treating physician a signed copy of the Authorization Form. If all applicable documentation has not been submitted by you and/or your physician, your claim will be closed 15 days after your initial claim filing (22 days if the leave is FMLA-related).

How do I add my newly born or adopted baby to my insurance?

You will have 31 days from the birth or adoption date to add your child to your insurance. Please visit the Pearson Employee Portal Tell US About a Life Event to begin the process of adding your child to your benefits. If you do not have access to the internet from home, please contact the Employee Service Center.

How do I report the time I’m taking when I’m on an intermittent FMLA leave?
  • You must report the time you are taking during your intermittent leave to your supervisor. Time needed to be taken should be reported in advance whenever possible.
  • Additionally, you must also report the time taken for your intermittent FMLA to Unum within 2 days of your return to work. Failure to report time taken within these 48 hours may lead to denial of your leave request.
I am having a baby. How much time am I allowed under STD?

Unum will generally approve six (6) weeks of leave from the date of delivery for normal and cesarean deliveries. Any pre-partum (before delivery) time for maternity leave prior to the expected date of the delivery time is considered part of the STD salary continuation leave period, if approved by Unum. Complications of pregnancy and/or delivery are reviewed for medical necessity by Unum and a determination is made as to the approval of leave time in excess of the standard postpartum time.

I am out on STD and am awaiting my extension to be approved by Unum. Can I use sick/vacation/personal time to “bridge” my pay?

Employees who are out on an approved STD leave, and are currently waiting for their STD to be extended, may not bridge their pay by using vacation, personal, sick time, etc. If an employee needs to extend their STD, they will need to notify UNUM immediately to request an extension. If the extension is approved by UNUM, the employee will receive their STD pay retroactive from the original approved date through the approved extension date on the next available pay check. If the extension is not approved by UNUM, the employee will not be paid.

If I’m on the unpaid portion of my leave how do I pay for my benefits?

During your unpaid leave Benefits will send you an invoice advising you how much you owe and where to mail your personal check. The invoices are sent a month in arrears.

Is my physician required to do more than document disability dates for me to receive maternity benefits?

If medical complications arise which prevent you from working as scheduled, documentation by your treating physician outlining specific restrictions and limitations including pre-partum and/or postpartum records must be submitted so that your claim can be reviewed.

What other resources are available to help me manage my leave?

LifeCare, our employee resource and referral service,is available 24 hours a day providing assistance in many areas of daily life. LifeCare’s services are voluntary and confidential, and are provided to you and your family members completely free of charge. You can reach Lifecare by calling 800-450-7071 or at www.lifecare.com. Click here for a copy of LifeCare’s brochure.

Where can I find more information about the Company’s policies as they relate to my leave?

Leave policy information is on the Company’s intranet.

While on STD, can my salary be offset by any state benefits I’m eligible to receive under the state disability laws?
  • If you are working in New Jersey or New York you will be paid the state benefit you are eligible to receive directly from Unum. The amount of the disability income benefits paid by Unum will be offset by the amount you receive under the Company’s salary continuation policy when applicable.
  • If you are working in California you may also be eligible to receive benefits directly through a state plan (California state Disability Insurance (SDI) Plan) while disabled. The amount of the disability income benefits paid directly to you from the state of California will be offset by the amount you receive under the Company’s salary continuation policy.
  • Please be aware that any overpayments made through Payroll during the time you remain on salary continuation prior to receipt of a statement of any other state disability benefits will be calculated and then deducted from your future pay.
While on STD, how will I get paid? (direct deposit, check, etc.)

If you are eligible to receive salary continuation or STD benefit payments via payroll, and you are paid by direct deposit, the same will occur while you are on leave (if you wish to receive a printed deposit advice while on leave, you would need to opt for it from the payroll web page prior to starting your leave). If you are paid by check, the same will occur while on leave.

While out on my leave, who do I contact with questions?

Contact your Leave Coordinator with any questions or for information relating to your leave.

While out on my leave, who should I keep in contact with at my work location?
  • You should keep in contact with your supervisor regarding the duration of your leave and when you expect to return to work.
  • Unum will provide periodic updates to your Leave Coordinator related to the status of your leave (i.e., approved, pended or denied) and your estimated date of return to work whether on a full or part-time basis. This information will be passed along to your supervisor.
  • If your doctor has advised that you are able to return to work with restrictions, you should contact your Leave Coordinator and Unum prior to your scheduled return to work date. Your Leave Coordinator will work with Unum and your supervisor in determining how your restrictions can be accommodated.
Who should I notify when I return to work?
  • On the day you return to work, please hand deliver or fax a note from your doctor to your supervisor and your Leave Coordinator. If you are returning with restrictions, this should be indicated on the note as well as the duration of the restrictions.
  • If you do not bring such a note releasing you to return to work, you will not be able to remain at your job site that day.
  • Advise Unum the first day you return to work so that claim can be closed and to protect any FML coverage, if applicable.
Will my current payroll deductions remain the same?

During your paid leave all deductions and benefits remain the same as when you were actively working.

If I have to take a Short-Term Disability (STD) and/or FMLA Leave, what do I need to do?
  • First, notify your supervisor and your Leave Coordinator.
  • Next, call the Unum Leave Management Center toll-free number at 1-866-762-8702 to speak with a representative who will gather information about your leave. Whenever possible, call Unum 30 days prior to a scheduled leave.
  • Important: In addition to your initial call to Unum informing them of an upcoming leave, you will need to call Unum again the day before your leave actually begins. Of course, this is a requirement only in cases of scheduled leaves.
  • Unum will mail you a package within two business days, informing you whether or not you are eligible for FMLA and/or state leave, and outlining the documentation required from you and your physician.
  • Unum will notify you and Pearson once a decision is made on your claim.
  • Notify your local Helpdesk who will provide instruction about managing your email while you are on leave.
If I am unable to call Unum myself due to my disability, can my spouse, parent, etc. call for me?

Yes the person calling on your behalf should make the calls to your supervisor and Unum for you (must have your birth date and home address handy when calling Unum).

Estate Resolution Services

Are Estate Resolution Services only available to the executor/administrator of the insured’s estate?

No. If a beneficiary is not the executor/administrator of the insured’s estate, the beneficiary may receive consultations with the participating plan attorney. However, the executor/administrator will receive the full benefit of the Estate Resolution Services.

Are all individuals subject to probate?

Any individual who owns property that does not automatically pass to another person by operation of law or contract is considered to have an estate subject to probate. Some states may have a simplified procedure for some estates.

Are there any costs to the probate process that the executor/administrator will have to bear?

MetLife Estate Resolution Services cover the cost of the attorney fees in the probate of the estate. However, any costs or charges that are incurred outside of the attorney fees are not covered under the Estate Resolution Services feature. Examples of covered items include: court costs, filing fees, recording fees, witness fees, transcripts, guardian ad litem fees and appraiser fees. Please note that the fees for non-covered items would be incurred regardless of whether MetLife Estate Resolution Services was being utilized.

Are there any exclusions?

The following services are not covered by this service: matters in which there is a conflict of interest between the executor, administrator, any beneficiary or heir and the estate; any disputes with the policyholder, employer, plan attorneys, MetLife and/or any of its affiliates; any disputes involving the statutory benefits; will contests or litigation outside probate court; appeals court; court costs; filing fees; recording fees; transcripts; witness fees; expenses to a third party, judgements or fines; and frivolous or unethical matters.

Are there any hidden fees or charges associated with this service?

All attorney fees, when using a participating plan attorney, for probating an insured’s estate are covered under Estate Resolution Services. However, if the attorney is requested to provide additional work that is not fully covered under this service, the attorney will provide a written fee statement detailing any associated costs in advance.

Are there any minimum requirements for an attorney to join the Hyatt network?

Yes. An attorney must satisfy a number of requirements to become a member of Hyatt Legal Plans’ attorney network. A few of the qualification requirements include:

  • Minimum 7 years of experience
  • Malpractice insurance
  • Superior customer service attitude
  • A desire to serve new clients

Hyatt requires a sufficient number of attorneys engaged full time in general practice of law, with fully staffed offices. Once an attorney becomes a member of the Hyatt attorney network the attorney must adhere to a “code of excellence.” If it is determined that a participating plan attorney does not meet these high standards, the attorney will be removed from the network. Participating plan attorney files are audited on a regular basis to ensure adherence to Hyatt standards. Physical visits to the busiest firms are conducted.

Can an estate be probated without a face‐to‐face meeting?

Settling an insured’s estate may require signatures of the beneficiaries and/or executors/administrators of the insured estate.

Can beneficiaries and/or executors/administrators use an attorney outside Hyatt Legal Plans’ network?

Yes. Beneficiaries and/or executors/administrators who choose to use an attorney who does not participate in the Hyatt Legal Plans network receive reimbursement for covered services according to set a fee schedule. Once Hyatt is notified that an out‐ of‐ network attorney has been chosen, a claim form and information material, including a Fee Reimbursement Schedule, will be provided to the beneficiary and/or executor/administrator. In this case, they will be responsible for any attorney fees that exceed the reimbursed amount.

Does this feature provide translation services for beneficiaries and/or executors/administrators who may not use English as their primary language?

Yes. Participating plan attorneys have access to translation services and some attorneys have alternate language abilities.

Doesn’t everything pass to the spouse without going through probate?

No. Each state has its own version of how things get passed if there is no will.

How do beneficiaries or estate representatives access this service?

It’s easy and convenient for beneficiaries or estate representatives to access this service:

  • The death of an insured employee is reported to MetLife
  • Beneficiaries receive an explanation of this service with the claim form they receive from MetLife
  • Beneficiaries and/or administrators call a toll-free telephone number, 1‐ 800‐ 821‐ 6400 to speak to a Hyatt Legal Plans’ Client Service Representative
  • Beneficiaries and/or executors/administrators provide the insured’s company name, group number (if available), and the last 4 digits of the insured’s social security number
  • Client Service Center Representatives assist the beneficiaries and/or executors/administrators in locating participating plan attorneys in the requested location, and provide them with a case number to give the participating plan attorney of their choice
  • When using a participating attorney, no claim forms or co‐ payments are required – the attorney handles all the paperwork
How does the attorney coordinate among multiple beneficiaries and or co‐executors/co‐administrators?

The attorney for the estate (working with the executors/administrators) would act as the central channel for all the beneficiaries involved.

How long does probate usually take?

The process could be as short as a few months or as long as over a year depending on the complexity of the estate.

Is the service any different if a person dies with or without a will?

The process is the same, though the specific filings or requirements may be different.

What are the options if a beneficiary and/or executor/administrator is not satisfied with the service provided by a participating plan attorney?

Hyatt Legal Plans carefully screens and manages its network of participating plans on a regular basis. If a beneficiary and/or executor/administrator is dissatisfied with the service provided by a participating plan attorney, they should notify Hyatt. Hyatt will work to resolve any issues to the satisfaction of the beneficiary.

What is a non-probate property or asset?

Probate property or asset is any asset whose ownership is automatically transferred without being subject to the probate process, such as one held in with right of survivorship, or payable on ownership. Life insurance proceeds are generally not subject to the probate process because the beneficiary is designated to receive the benefits. There may be tax issues related to these assets even if they are not of the probate estate.

What is probate?

Probate is the legal process of administering the estate of a deceased person by resolving all claims and distributing the deceased person’s property.  If there is a will, it is “probated” to prove it is valid and authentic.  If there is no will, an alternative process is used for administering and settling the estate.

What is the average wait time to see a participating attorney?

The average wait time can vary depending on individual circumstances. Appointments are typically made within one business day of initial contact and most attorneys provide evening and Saturday appointments.

What services are included for the executor or Administrator of the insured’s estate?

Estate Resolution Services provides the insured’s executor or administrator access to attorney services related to probating the estate. Highlights include:

  • Full-service options to discuss matters related to probating the insured’s estate
  • Full probate services
  • Face-to-face consultations with Hyatt Legal Plans’ participating plan attorney

Plus:

  • Convenient access to a local attorney
  • Hyatt’s network of over 12,000 participating plan attorneys
  • Hyatt’s award-winning Client Service Center to assist in locating an attorney
What’s covered?

All preparation of documents and representation at court proceedings needed to transfer the probate assets from theestate to their heirs are included. This service also covers the completion of correspondence necessary to transfer non-probate assets, such as proceeds from insurance policies, joint bank accounts, stock accounts or a house and its associated tax filings.

Will beneficiaries and/or executors/administrators be sold any additional services when they meet with a participating plan attorney?

No. Typically beneficiaries who utilize Estate Resolution Services do not incur additional costs. The face-to-face consultation option gives beneficiaries and/or executors/administrators the opportunity to ask questions and fully explore the best course of action to meet their needs. During the initial consultation, the participating plan attorney will recommend and review a plan of action with the beneficiaries and/or executors/administrators to determine if any additional services are required beyond the covered services.

What is Estate Resolution Services?

MetLife Estate Resolution Services offered thru Hyatt Legal Plans, Inc., a MetLife company, is a value‐added feature that is part of a robust continuum of services offered as part of MetLife Group Life Plans. This service fully covers attorney fees for probating the insured’s estate when using a participating plan attorney. The service also provides advice and consultation to beneficiaries.

Who is eligible to participate in Estate Resolution Services?

Employees who participate in the Supplemental Group Life Plan (insured by MetLife) are eligible.

Financial Aid for Adoption

How do I get more information?

Review Pearson’s Financial Aid for Adoption Policy and FAA Reimbursement Form (access to Neo required).

What is Financial Aid for Adoption?

Financial Aid for Adoption is a program that reimburses eligible employees up to $10,000 for specific expenses related to adopting a child. This program covers adoptions that are handled through an agency, privately, and adoption of a spouse’s children. Employees may be reimbursed for expenses related to:

  • Adoption Agency Fees
  • Legal Fees
  • Health Costs
  • Children of Foreign Origin
What other benefits are related to the adoption of a child?

You may also want to ask your HR generalist about medical and dental benefits, Family and Medical Leave Act, Dependent Care Reimbursement Account, and LifeCare: Resource & Referral Program.

Who is eligible for Financial Aid for Adoption?

Regular, full-time US employees with at least six months of service with the Company are eligible. Adopted children must be under the age of 18. Requests for Financial Aid must be made within one year of the Final Adoption Date.

Flu Shots

Do the Pearson Benefit medical plans cover flu shots?

Flu shots are covered under preventive care.

Where can I get general information – guidelines, facts, etc. – about the flu?

You should contact your healthcare provider and/or visit http://www.flu.gov/

Are flu shots covered by my prescription drug plan through CVS Caremark?

Yes. Flu shots received at participating pharmacies are covered at no cost to you. To get more information about how flu shots are covered through the prescription drug program, please call CVS Caremark at 844-432-0690.

For New Employees

FSA Prepaid Visa Card

Can I use my Card at online pharmacies or for mail-order prescriptions?

Yes. Enter your Card number online or on the order form. Remember, if you do not have enough money in your FSA, your transaction will be denied.

Can I use my Card to access prior year FSA account balances?

The WageWorks® Visa® Healthcare Card can only access the available balance in your current FSA plan year.

Can I use my Card to purchase over-the-counter (OTC) health care items?

Yes, you can use your Card to purchase eligible over-the-counter items and conveniently pay for them with your WageWorks® Visa® Healthcare Card. You must take your OTC item to the pharmacist and have it processed by the pharmacist.

To receive reimbursement for eligible OTC items purchased at non-participating locations, send your receipts along with a claim form to WageWorks by one of the following methods:

Can I use my WageWorks® Visa® Healthcare Card to pay for a bill I receive in the mail?

Yes. If your merchant or provider accepts Visa® simply provide the Card number, expiration date, and any other information requested to pay eligible expenses. Be sure the charged amount is correct prior to providing your Card number for billed expenses at medical, dental or vision providers. Review your Explanation of Benefits (EOB) and make sure the charge on the bill matches the patient responsibility indicated on the EOB.

How do I activate my Card?

Review the information sent to you with your new Card, including the Terms and Conditions. Sign the back of the Card and then call the toll-free number on the activation sticker affixed to the Card to complete the activation process. You can order additional Cards for members of your household by calling WageWorks at 1-877-924-3967.

  • Once activated, you may begin using your Card immediately.
How do I use my Card at the pharmacy?

Present your Card at the drug store to pay the amount you owe for your prescription copayment. Sign the receipt to show your agreement with the charge and to acknowledge that you are using your Card for an eligible expense. Funds will automatically be transferred from your FSA directly to the pharmacy, assuming there are adequate funds in your account(s). Keep a copy of the receipt for your records. You will need to present them in the event you are audited by the IRS. Remember, you can only use the Card to pay for prescriptions presented after your card was activated.

How does the Card work?
  • Your Card allows you to access health care FSA funds at the time of purchase, eliminating the need to fill out claim forms for reimbursement of eligible expenses. Card transactions are validated once payment is made, to ensure conformance with IRS guidelines. Once the card transaction is completed and you sign your receipt, funds from your FSA are automatically transferred to the merchant, physician or other health care vendor (or facility).
  • Your WageWorks® Visa® Healthcare Card can be used to cover all pharmacy prescription expenses for which you are responsible, including copays or the approved actual cost of the prescription, if less.
  • You may also use your WageWorks® Visa® Healthcare Card for eligible over-the-counter purchases. In addition, you can use your Card for medical, dental and vision purchases at your doctor, dentist or ophthalmologist for coinsurance, deductible and other eligible out-of-pocket expenses. Please note that charges at the point-of-service may not reflect an accurate contracted or discounted rate. For this reason, it is recommended that you only use your card for a balance due after your claim has been processed. For pharmacy, medical, dental and vision purchases at locations that don’t accept Visa, please remember that you can submit your receipt with a claims reimbursement form for reimbursement from your FSA. Please remember the IRS requires that the WageWorks® Visa® Healthcare Card and FSA can only be used for eligible over-the-counter supplies, prescriptions, medical, dental and vision purchases. Any other purchases, such as groceries or other non-healthcare related items cannot be purchased.
How long is my WageWorks® Visa® Healthcare Card valid?
  • The expiration date can be found on the face of the Card.
How quickly can I see my account activity?

It takes approximately two business days to settle a WageWorks® Visa® Healthcare card transaction. Once the card transaction is received at WageWorks, the information is made readily available to you at http://www.wageworks.com or by calling the number on your card.

If asked to enter “debit” or “credit” at a Visa terminal, which one do I choose?

If you are asked to select debit or credit, select credit, even though it says debit on your Card. Your Card does not require a PIN (personal identification number) for processing.

What are some reasons why my WageWorks® Visa® Card transactions may be declined?

If your Card is rejected it may be because:

  • Your Card has not been activated.
  • The transaction is not for an eligible service or it does not match a pre-defined benefit or copay amount, as required by your plan.
  • The transaction cannot be substantiated in real time at your pharmacy. Please make sure your WageWorks® Visa® Healthcare Card is activated prior to dropping off prescriptions.
  • You’re trying to purchase something other than or in addition to your pharmacy prescription.
  • There are insufficient funds in your FSA to cover the expense.
  • There is a problem with the merchant’s card terminal.
  • You are attempting to swipe at an invalid location, e.g. a gas station or electronics store.
What do I do if I have a charge that exceeds the amount available in my FSA?

If you attempt to use your Card for an amount that is greater than the available balance in your FSA, the entire transaction will be declined. Fund balances are available online by calling the customer service number on your Card.

What do I do if my Card is rejected when I use it?

If your Card doesn’t work at the time of purchase or a transaction is declined:

  • Choose another payment method, such as cash or check;
  • Save your receipt and submit your claim manually along with a reimbursement request form. You can download claim forms from the Benefits website or call Customer Service for assistance.
What if I choose not to activate my WageWorks® Visa® Healthcare Card?
  • If you decide not to activate your Card, you will need to file a manual claims reimbursement form from your FSA. For your protection, destroy your Card by cutting it in half.
What if I decide not to use my Card anymore?

If you no longer wish to use your Card, simply call the number printed on the back of your Card to cancel and destroy the Card by cutting it in half.

What if I don’t have access to the internet to view my online statements?
  • You may call the customer service number on the back of your card to obtain details about your WageWorks® Visa® Healthcare Card activities.
What if I have questions about my Pearson Health Care FSA Prepaid Visa® Card or my FSA?

Visit http://www.wageworks.com for answers to your questions about your Consumer Accounts Card and your FSA. The WageWorks website offers extensive information to help you manage your health and health care FSA, such as:

  • Account balance information
  • Recent transactions
  • Instructions on Card use
  • Eligible expenses
  • Details about your specific plan

You may also call the toll-free number on the back of your Card for:

  • Card balance information
  • Card transaction information
  • Reporting a lost or stolen Card
  • Questions about a charge that appears on your Card statement
  • Questions about the Card not working at a merchant
  • Ordering additional Cards
What if I need to see if activities on my WageWorks® Visa® Healthcare Card were posted correctly before the paper statement is sent to me?
  • You can view your account activity via http://www.wageworks.com or by calling the customer service number on the back of your Card.
What if I use my Card to pay for a prescription, but I am also purchasing another non-eligible item, such as shampoo, at the same time?
  • For a transaction to authorize, we must be able to match a Card transaction amount to the exact amount you owe for a covered prescription at the pharmacy. Therefore, you cannot use your Card for ineligible items; you must pay for those items separately.
  • Remember, the IRS requires that you use the Card only for qualified expenses covered by your FSA and that you keep all of your receipts. Each time you present your WageWorks® Visa® Healthcare Card for a payment you will sign a receipt. Your signature acknowledges that the charges represent a qualified FSA purchase.
What expenses are eligible for use with my WageWorks® Visa® Healthcare Card?

Generally, your Card can be used to pay for:

  • Pharmacy prescriptions copayments
  • Copayments at your doctor’s office
  • Certain over-the-counter health care items
  • Coinsurance, deductible or other out-of-pocket expenses for medical, dental and vision expenses (after your claim has been processed by your medical, dental or vision administrator).

Consult the materials in your Welcome Kit from WageWorks or log onto http://www.wageworks.com to familiarize yourself with services, locations, and products that are eligible for use with your Card. It is important to review these materials thoroughly. You are responsible for making sure that you use the Card for only those services or items covered by your plan.

What if my Card is lost or stolen or I suspect that my Card has been used fraudulently?

If your Card is lost or stolen, call Wageworks immediately at 1-877-924-3967. It is your responsibility to monitor your account activity and report any unusual or fraudulent transactions to WageWorks.

When you report a lost or stolen Card, it will be deactivated immediately and new Cards will be reissued.

What is the WageWorks® Visa® Healthcare Card?

The WageWorks® Visa® Healthcare Card is a special purpose financial debit card linked to your Health Care Flexible Spending Account (FSA). (Note, this card cannot be used for your Dependent Day Care FSA.)

Use your card to quickly and conveniently draw funds from your FSA to pay for eligible expenses such as: pharmacy prescription copayments, doctor office visit copayments and eligible over-the-counter health care items.

What type of records am I responsible for keeping when I use my Card?

Always keep a copy of your itemized receipts for all Card transactions. The IRS requires you to keep documentation associated with reimbursement from your FSA, and you might be required to produce them in the event you are audited by the IRS. In addition, WageWorks may determine that a particular transaction made with your WageWorks® Visa® Healthcare Card requires additional review. If so, you will need to provide WageWorks with the same information you would supply to the IRS to prove that you used your Card for eligible expenses.

Who can use the WageWorks® Visa® Healthcare Card?

You and any covered dependent(s) can use your Card at approved locations that accept Visa. One card is sent to you for your convenience and additional cards may be requested by calling WageWorks at 1-877-924-3967.

Pearson Pension Plan (PEP)

Former S&S Employees

Service prior to 12/1/98 was accrued under the CBS Pension Plan (Formerly Viacom) and remains CBS’s responsibility. Benefit service which is used in the calculation of the PEP Benefit began at the time of the acquisition, 12/1/98. If you need additional information about the CBS benefit, you can contact them at 800-581-4222 or www.cbsandyou.com.

Former AWL (grandfathered) Employees (includes Scott Foresman/Harper Collins)

Employees who were already age 45 or more with at least 10 years of service at the time the AWL pension transitioned to the PEP, (12/1/98), are entitled to an alternative calculation under the former AWL Pension formula. This includes service and earnings after 12/31/01 with an offset for enhanced contributions in the 401(k) plan.

Former S&S Grandfathered Employees

Employees who were already age 45 or older with at least 10 years of service on the date of the acquisition by Pearson were grandfathered in their AWL benefit formula. This includes service and earnings after 12/31/01 with an offset for enhanced contributions in the 401(k) plan and an offset of the CBS benefit (formerly Viacom). If you need additional information about the CBS benefit, you can contact them at 800-581-4222 or  www.cbsandyou.com.

Pension Eligible Earnings

The definition of pension eligible earnings used in the PEP includes regular earnings, overtime, sales related commissions or incentive and non-sales bonuses related to performance. The definition does not include non-performance bonuses or freelance earnings for editorial and artwork independent of regular pay. As a result, W-2 earnings will not always equal PEP earnings.

Value Date

The PEP value located in your Oracle HR record under Current Benefits represents the lump sum value as of January 1, 2016. Service will be used to determine vesting at the time an employee leaves the company. The value of the frozen accrued benefit will earn interest at a rate of 5% per year or the prevailing 30-year treasury rate, whichever is less.

PEP

The Pension Equity Plan is a defined benefit pension which froze accruals as of 12/31/01. This Plan is funded entirely by the Company.

Vesting

The PEP requires 5 full years of service to become vested (service from acquired organizations is included).

Weight Watchers

Currently attending an At Work Meeting series?

If you are currently attending an At Work meeting series in your office, your meeting will move to Monthly Pass membership following the completion of your series. Your leader will remind you of this as your series comes to an end, and at that time you may register for the new program.

Currently attending community/local meetings?

Monthly Pass: If you currently have a Monthly Pass membership and would like to switch to the new Pearson pricing, you can cancel your membership and register for the new program. Information on how to register for the new Weight Watchers offer can be found here.

If you would like to keep your previous user name, password and account history, call 866-204-2885 before registering for the new program.

Other Community Membership Programs: If Monthly Pass is not available in your area, and you are currently purchasing meetings vouchers in your local community, you can submit for a 50% refund for purchases on or after April 1, 2012. Reimbursement forms can be found at on the Pearson Benefits website under ‘Forms.’

Currently participating in an Online Program?

At the end of your current 3 or 12 month Weight Watchers Online subscription, you can switch to the new monthly program and pricing. Information on how to register for the new Weight Watchers offer can be found here.

If you would like to keep your previous user name, password and account history, call 866-204-2885 before registering for the new program.

If Meetings with Monthly Pass is Not Available in Your Area

There are some areas of the country where Monthly Pass or Monthly Pass at the Pearson pricing is not available because of independent franchise arrangements. For a listing of all counties affected by this, please visit http://www.mypowwr.com/MPlocations.aspx.

If you live in one of the non-participating areas of the country, Pearson will still reimburse 50% of the cost of your meetings program. Please purchase a meetings program of your choice in your local community, and submit for reimbursement following participation in the program.

Interested in Weight Watchers meetings?

If you are interested in attending meetings at work or in your local community, please register for Meetings with Monthly Pass. This membership will give you access to both community and at work meetings, as well as free access to smart phone applications, iPad applications and the eTools online meetings companion. Information on how to register for the new Weight Watchers offer can be found here.

Getting a New At Work Meeting Started: If you believe there are 15 or more employees at your site that would be interested in a new At Work meeting, please call 1-800-8-AT WORK

Interested in Weight Watchers Online?

Weight Watchers Online is for employees who are not interested in attending meetings. This membership comes with a do-it-yourself online weight loss tool as well free access to smart phone and iPad applications. Information on how to register for the new Watchers offer can be found here.

Submitting for Participation Rebate/Reimbursement

In order to be eligible for a 50% reimbursement of Weight Watchers programs, Pearson employees must meet the following criteria.

Weight Watchers Meetings: Attend 10 meetings in a 12 week or 3 month membership period.

Weight Watchers Online: Complete 12 weeks or 3 months of membership, and submit your Account Status Page (see Account Settings).

Reimbursement forms are found at: http://pearsonbenefitsus.com/forms/.

Will Preparation Service

Are ancillary documents covered?

All living wills, codicils, testamentary trusts and powers of attorney are included. This service does not include fees associated with living trusts and tax planning needs. However, the participating plan attorney can provide guidance on living trusts and how to approach tax issues related to a will. If the participant chooses to have a living trust created, the participating plan attorney will provide a written fee statement detailing any associated cost in advance.

Are participants responsible for storing the executed documents?

Yes. Upon completion of their will, the participant will be provided with the original will by the attorney. It is the sole responsibility of the participant to store the will in a safe place. The participating plan attorney will provide advice to the participant on how to properly store the will.

Are there any hidden fees or charges associated with this service?

No. All attorney fees, when using a participating plan attorney, for preparing and updating a will, living will and power of attorney are covered under the Will Preparation Service. However, if the attorney is requested to provide additional work that is not fully covered under this service, the attorney will provide a written fee statement detailing costs in advance.

Are there any minimum requirements for an attorney to join the Hyatt network?

Yes. An attorney must satisfy a number of requirements to become a member of Hyatt Legal Plans’ attorney network. A few of the qualification requirements include:

  • Minimum 7 years experience,
  • Malpractice insurance,
  • Superior customer service attitude, and A desire to serve new clients.

Hyatt requires a sufficient number of attorneys engaged full time in general practice of law, with fully staffed offices. Once an attorney becomes a member of the Hyatt attorney network the attorney must adhere to a “code of excellence.” If it is determined that a participating plan attorney does not meet these high standards, the attorney will be removed from thenetwork. Participating plan attorney files are audited on a regular basis to ensure adherence to Hyatt standards. Physical visits to the busiest firms are conducted.

Can participants use an attorney outside Hyatt Legal Plans’ network?

Yes. Participants who choose to use an attorney who does not participate in the Hyatt Legal Plans's network receive reimbursement for covered services according to a set fee schedule. Once Hyatt is notified that an out-of-network attorney has been chosen, a claim form and information material, including a Fee reimbursement Schedule, will be provided to the participant. In this case, participants will be responsible for any attorney fees that exceed the reimbursement amount.

Does a spouse/domestic partner need a joint will with the employee to take advantage of this service?

No, the employee and their spouse/domestic partner will be able to prepare their own separate wills with a participating plan attorney. If after discussing their needs a joint will is desired and recommended by the attorney and allowed in the state, one can be prepared.

Does this feature provide translation services for participants who may not use English as their primary language?

Participating plan attorneys have access to translation services and some attorneys have alternate language abilities.

How do participants access this service?

It’s easy and convenient for employees to access this
service:

  • Participants call a toll‐free telephone number, 1‐800‐821‐6400, to speak with a Hyatt Legal Plans’ Client Service Representative.
  • Participants provide their company name, group number (if available) and the last 4 digits of the employee’s Social Security or Employee
    number.
  • Client Service Representatives assist participants in locating participating plan attorneys in the requested location, and provide them with case numbers to give to the participating plan attorney of their choice..
  • When using a participating plan attorney, noclaim forms or co‐payments are required – the attorney handles all the paperwork.
How often should a participant review and update their will?

A participant should review their will every 5 to 10 years with an attorney. It is prudent to review a will, living will and power of attorney whenever a life-changing event occurs, such as: marriage, divorce, birth of a child, etc.

Is there a fee charged to the plan?

Will Preparation Service is an option included in MetLife's Group Life Plan coverages at no additional cost to employers, employees and their spouses/domestic partners.

Is there a limit to the number of times a will can be updated?

No. As long as the employee participates in the MetLife Group Plan, the employee and their spouse/domestic partner can consult with a participating plan attorney as often as they deem necessary to keep their will, living will and power of attorney up to date.

What are the options if a participant is not satisfied with the service provided by a participating plan attorney?

Hyatt Legal Plan carefully screens and manages its network of participating plan attorneys on a regular basis. If a participant is dissatisfied with the service provided by a participating attorney, they should notify Hyatt. Hyatt will work to resolve any issues to the satisfaction of the participant. An out-of-network option is also available if the participant prefers to utilize an attorney who does not participate in Hyatt Legal Plans's network.

What is the average turnaround time to prepare or update a will?

Wills can vary in complexity, but in general are typically produced in approximately a week. The attorney will take as much time as needed to work with the employee and their spouse/domestic partner to meet their needs.

What is the average wait time to see an attorney?

The average wait time can vary depending on the individual circumstances. Appointments are typically made within on e business day of initial contact and most participating plan attorneys provide evening and Saturday appointments.

What is Will Preparation service?

Will Preparation, part of a robust continuum of value‐added services, is a living benefits feature offered to employees through Hyatt Legal Plans Inc., a MetLife company, as a part of MetLife’s Group Life Plans.  This service fully covers attorney fees for preparing and updating a will when using a participating attorney.

What’s included?

Will preparation provides participants in a MetLife Group Plan access to attorney services to complete the entire process of creating and updating a will. Highlights include:

  • Full‐service options to prepare and update ills, including complex wills and codicils, living wills and powers of attorney, for both employees and their spouses/domestic partners.
  • Face‐to‐face consultations with Hyatt Legal Plans’ participating plan attorney.
  • Unlimited access to update a will for as long as the employee continues to participate in MetLife Group Life Plan.

Plus:

  • Convenient access to a local attorney.
  • Hyatt’s network of over 12,000 participating plan attorneys.
  • Hyatt’s award‐winning Client Service Center to assist in locating an attorney.
Who is eligible to participate in the Will Preparation service?

Employees who participate in your MetLife Group Supplemental Life Plan and their spouses/domestic partners are eligible.

Will participants be sold any additional services when they meet with a participating attorney?

Typically, participants who utilize the Will Preparation Service do not incur additional costs. The face-to-face consultation option gives participants the opportunity to ask questions and fully explore the best course of action to meet their needs. During the initial consultation, the participating plan attorney will recommend and review a plan of action with the participant to determine if any additional services are required beyond the covered services.