When is the benefits enrollment period?
2017 Benefits Enrollment is October 31–November 11. Your current benefit elections will carry forward to 2017. You do not need to actively enroll, unless you want to enroll for the first time, make changes to your current benefits or elect a Flexible Spending Account (FSA) contribution amount for 2017. FSA elections do not carry forward. 2016 Health Savings Account elections will carry forward.
Do I have to enroll or waive benefits during the enrollment period?
No. This year, you do not need to take action unless you want to enroll for the first time, make changes to your current benefits or elect a Flexible Spending Account (FSA) contribution amount for 2017. FSA elections do not carry forward. Health Savings Account elections will carry forward.
What happens if I don't take action and enroll or waive coverage?
If you are currently enrolled in Sysco benefits and you do not enroll or waive your 2017 benefits, your 2016 benefit elections will carry forward to 2017, except for Flexible Spending Account elections.
How do I waive coverage?
If you waived coverage for the 2016 plan year, your election will rollover to 2017. If you elected coverage in 2016 and choose to waive coverage for your 2017 benefits, you will access the Total Rewards Café and select “waive coverage”. Even if you don’t want any voluntary benefits, all employees need to enter their beneficiary information into the new online system for automatic benefits: Basic Life and Accidental Death and Dismemberment (AD&D) Insurance.
What if I change my mind and want to enroll after I’ve waived coverage?
You can make changes during the benefits enrollment period October 31–November 11. After that period ends, you will not have another opportunity to enroll or make changes to your benefits until the next benefits enrollment period, unless you experience a qualified life event (i.e. marriage, divorce, birth of a child, etc.).
Are all Sysco associates eligible for benefits?
All full-time and some part-time, active associates are eligible for Sysco-sponsored benefits.
Who can I cover on my benefits plan?
You may cover:
- Your legal spouse or same sex domestic partner (see SyscoBenefits.com) for details.
- Your child, stepchild, foster child or adopted child and same-sex domestic partner’s child(ren).
What information do I need to have ready when I login to enroll?
Before you begin enrollment, be sure to have your dependents’ information with you, including Social Security numbers and birth dates. While dependent information will carry forward to 2017, it is your responsibility to ensure that your dependent information is accurate and that your dependent is eligible for benefits under Sysco’s plans. During enrollment, you will also be required to designate your beneficiaries for benefits, such as AD&D insurance and Basic Life insurance, if you have not already designated beneficiaries. Beneficiary designation for Life and AD&D is electronic.
Please make sure you have verified all information on your covered dependents (spelling of name, date of birth and SSN) as this information is used to create the statement reflecting the coverage you had under Sysco for the year and this information is provided to the government. Information on your dependents must match their Social Security card.
Where do I go to enroll?
You will enroll for your Sysco benefits through the Total Rewards Café. Look for the Total Rewards Café button on the homepage of SyscoBenefits.com which will take you to the Total Rewards Café (enrollment system), where you will be required to log in to access your personalized enrollment record. You may also enroll by calling the Sysco Benefits Center at 1-800-55-SYSCO. Representatives are available Monday–Friday, 7 a.m.–7 p.m. Central Time.
Do I have to enroll at work?
No. The enrollment system is available from home or work.
Can I enroll with a representative over the phone instead of online?
Yes. During the benefits enrollment period October 31–November 11, you can enroll with a Sysco Benefits Center representative at 1-800-55-SYSCO Monday–Friday, 7 a.m.–7 p.m. Central Time.
Will the Sysco Benefits Center representatives be able to answer my questions?
Yes. The representatives at the Sysco Benefits Service Center are benefits experts and are knowledgeable in Sysco’s medical plans and other benefits, and can provide all the information you need to make your benefits decisions.
What if I am having trouble enrolling online?
First, go to the Helpful Tools section of SyscoBenefits.com. There you will find quick videos on the different areas of the enrollment system that may help you resolve your concern. If you still need assistance, call the Sysco Benefits Center at 1-800-55-SYSCO Monday–Friday, 7 a.m.–7 p.m. Central Time. Sysco Benefits Center representatives can help you solve your issue, or take your 2017 benefit elections over the phone.
My spouse generally makes the decisions about benefits. Can he/she access SyscoBenefits.com?
Yes. SyscoBenefits.com does not require a login, so your spouse or significant other can access the site and review all of the benefits information and use the tools. However, access to the Total Rewards Café (via the Total Rewards Enroll Here button on SyscoBenefits.com) is tied to your personal credentials, so while your spouse can access the benefits information on SyscoBenefits.com, you must log in to the enrollment system and submit your enrollment.
I am not enrolling in Sysco medical benefits this year. Do I need to do anything?
If you have waived coverage in 2016, your current benefit elections will carry forward to 2017. You do not need to actively enroll, unless you want to enroll for the first time, make changes to your current benefits or elect a Flexible Spending Account (FSA) contribution amount for 2017. FSA elections do not carry forward. If you have Sysco-sponsored benefits coverage in 2016, and wish to decline coverage in 2017, you must login and waive coverage for 2017 during the annual enrollment period. Even if you are waiving coverage, we encourage you to review your beneficiary information for your AD&D and Basic Life insurance to ensure this information is up to date.
I missed my onsite benefits enrollment meeting; where can I find additional information?
Take a moment to explore the Helpful Tools section on SyscoBenefits.com, watch the Plan Options and Taste of HSA, Take Another Look at the HSA videos, and try the “What’s your Medical Type” quiz to decide which medical plan is right for you and your family. For detailed information about the 2017 benefits, see the 2017 Benefits Guide.
What if I have questions regarding my benefits choices?
The Sysco Benefits Center representatives are available Monday–Friday, 7 a.m.–7 p.m. Central Time. Representatives can help you with all of your benefits and enrollment questions. In addition to speaking with a representative on the phone, you can chat with one online or send your question via email. Spanish-speaking representatives and translation services are also available.
Where can I determine if my physician is in-network for the plan I would like to choose?
On SyscoBenefits.com, see the Find a Doctor or Hospital page to determine if your physician is in the network of the plan you are considering.
I would like to take advantage of a savings vehicle this year, like an FSA or HSA; is there more information I can review?
Can my spouse call the Sysco Benefits Center to ask questions?
Yes. However, your spouse will need to provide verification information including your name, the last four digits of your Social Security number, and your date of birth and zip code.
Will Evidence of Insurability (EOI) be required for Supplemental Life insurance coverage?
During 2017 benefits enrollment period, if you are currently enrolled in Supplemental Life insurance, you may increase your coverage by one level (i.e. 1 times to 2 times) without providing Evidence of Insurability. If you are electing Supplemental Life insurance for the first time, increasing your coverage more than one level, electing an amount above $500,0000 or if you have previously been denied coverage, Evidence of Insurability is required.
Will EOI be required for Supplemental Spouse Life insurance coverage?
If your spouse was previously eligible to elect dependent coverage but did not enroll in the coverage, then any amount elected will require EOI. However, if your spouse is already enrolled in the plan then you may increase the amount by one level (up to a $10,000 increase) without providing EOI up to the guarantee issue amount of $50,000. Any amount over $50,000 will be subject to EOI.
Do e-cigarettes count towards a tobacco surcharge?
Yes. Contact the Sysco Benefits Center to learn the details.
Why will medical plan rates increase for 2017?
For 2017, medical rates will increase in line with healthcare inflation across all plans. The escalating cost of healthcare is a U.S. problem, impacting us at a company level and as individual participants. Sysco will continue to provide you with tools, resources and education so you can make the most of your benefits dollars each year and do your best to manage your healthcare costs. Rates for each plan will be available in the Total Rewards Café (enrollment system) beginning October 31.
Will the tobacco user surcharge increase for 2017?
Yes. The tobacco user surcharge will increase to $50 per month in 2017.
What if I quit or started using tobacco in 2016?
Even if you are not making changes to your benefits for 2017, make sure you log on to the Total Rewards Café (enrollment system) October 31–November 11 and change your tobacco user designation to ensure your medical coverage records are accurate in 2017.
Will there still be four medical plans offered in 2017?
Yes. For 2017, associates will continue to have four medical plan options to choose from—the Basic, HSA, PPO and HMO plans—that offer variety and selection.
How do I decide which medical plans is right for me and my family?
Each of the medical plans has pros and cons and provide options for the various individual needs of our associates. There are tools, however, to help make the choice easier for you:
- The Helpful Tools section on SyscoBenefits.com provides additional information to help the decision making process.
- Starting on October 31, the Total Rewards Cafe will have a cost estimator tool that will ask you to provide personal details, including doctor visits in a typical year, prescriptions, etc… to give you the estimated out-of-pocket costs for each plan.
- New for 2017, you can use the Express Scripts Rx tool to estimate prescription drug costs under each of the medical plans.
Do I have to enroll in a Sysco-sponsored medical plan in order to take advantage of the Telehealth service?
Yes. The Telehealth service, administered by MDLIVE, is available to all associates enrolled in the four national plans administered by BlueCross BlueShield. Please note, the Telehealth service is available where permitted by state.
If I elect the HSA medical plan, will Sysco deposit the full yearly contribution to my account in early January or will it spread out in monthly or per-paycheck contributions?
Sysco will contribute to your HSA account up front to get you started. Sysco will automatically contribute $250 if you select Associate Only coverage or $500 if you cover other family members. Then, you can make pre-tax contributions from your paycheck to build your savings to pay for healthcare now or in the future. If you have not opened your account already, be sure to complete the activation of your HSA to fully open your account.
Can I open an HSA with one of the other Sysco-sponsored medical plans?
No. To be eligible to open an HSA, you must be enrolled in the Sysco HSA medical plan. This is an IRS regulation. In addition, you cannot:
- Be enrolled in Medicare
- Receive health benefits under Tricare
- Have received Veteran’s Administration benefits in the last three months
- Be claimed as a dependent on another person’s tax returns
- Use a Flexible Spending Account (FSA) or Health Reimbursement Account (HRA), Limited Use FSAs are permitted
How do I make contributions to my HSA?
During benefits enrollment you will select the amount you would like to contribute to your HSA, up to the 2017 IRS limit of $3,400 for individuals and $6,750 for families. The amount you choose will then be deducted from your paychecks. If you already contribute to the HSA in 2016, your election amount will carry forward to 2017.
How can I see my health and insurance contributions from 2016, when making a decision for 2017?
Visit the new Total Rewards Café to see an online statement that shows your medical plan and savings account contributions for the year. This may be helpful when deciding on your HSA contribution for 2017.
Is the company contribution included in the IRS annual limit for the HSA?
Yes. Any contributions made by Sysco are counted toward your annual IRS limit on the HSA contribution amount.
What are my investment options with the HSA?
Fidelity administers the HSA plan. They offer easy access to your account and excellent customer service. Once you’ve set up your account, you may contact Fidelity to ask about investment options.
Is it possible to have an FSA along with my HSA medical plan?
You cannot have a traditional health care FSA; however, you can have a Limited Use FSA. A Limited Use FSA is used to pay for out-of-pocket dental and vision expenses only.
What is the difference between an HSA and an FSA?
The primary difference between a Health Savings Accounts (HSA) and a Flexible Spending Accounts (FSA) is that money contributed to an HSA carries forward to the following year if unused. In contrast, FSAs are “use it or lose it”. Also, in order to take advantage of the HSA you need to be enrolled in the Sysco HSA medical plan.
Do I have to prove my expenses are qualified health expenses for the HSA?
You should maintain records and keep your receipts in case the IRS would audit your account and spending.
Will my Wellness Rewards be deposited in my HSA?
Yes. If you enroll in the HSA medical plan option, your Wellness Reward will be deposited into your HSA and may be used the same way you use any funds in your HSA. Keep in mind that any rewards you earn will count toward the IRS maximum for HSAs, $3,400 for individuals and $6,750 for families.
What happens to my HSA if I leave Sysco or if I choose another medical plan in the future?
If you should leave Sysco or choose another medical plan in the future, the money in the account is yours to keep.
Do I lose the money in my HSA at the end of the year if I haven’t used it?
No. An HSA is not a use it or lose it account like an FSA. One of the advantages of an HSA is that any used money at the end of the year carries forward to the next year and beyond.
What is the advantage of enrolling in the Limited Use FSA in addition to the HSA?
The Limited Use FSA gives you an extra pre-tax savings option. However, it’s important to note that the Limited Use FSA can only be used for dental and vision expenses and is only for those associates enrolled in the HSA medical plan.
Should I be conservative in contributing to the HSA?
For participants in Flexible Spending Accounts, we advise to contribute conservatively, especially at first because it is a use it or lose it model. For associates contributing to the HSA, any money that remains in your account at the end of the year, carries forward to the next year. This means that you don’t have to worry about losing any money from year to year.
What is the advantage of using a Flexible Spending Account?
Flexible Spending Accounts are a great way to reduce your taxable income, which helps to lower the taxes you pay at the end of the year. Sysco offers three different Flexible Spending Accounts (FSAs).
How do I know how much money to put into a Flexible Spending Account?
Many people shy away from FSAs because they are unsure of how much money to put into the account. The amount of money is even more important because any funds not used are lost at the end of the year, therefore it is a “use it or lose it” model. So the best approach, especially in the first years of usage, is to start cautiously.
What are the different types of Flexible Spending Accounts?
There are three kinds of FSAs—Health Care, Limited Use and Dependent Day Care.
The Health Care FSA is used to reimburse you for eligible medical, dental and vision care for yourself, your spouse and your dependent child(ren).
The Limited Use FSA is only available to associates who are enrolled in the HSA medical plan. Due to IRS rules, the money set aside in this account can only be used for dental and vision costs. The Health Savings Account (HSA) attached to your HSA medical plan can be used for your medical expenses.
The Dependent Day Care FSA is used to reimburse you for day care or day camp for children under the age of 13, care for tax-dependent elders or other expenses you pay, so you and your spouse can work.
How does my prescription drug coverage work under the four Sysco plans?
All of Sysco’s prescription drug benefits are administered through Express Scripts. Each of the medical plans offer the same prescription drug benefit with one exception: the HSA plan requires you to meet your deductible before the plan pays a portion of your costs.
Will there be changes to the prescription drug coverage for 2017?
Yes. There will be changes to the prescription drug plan for all four medical options to reflect the rising cost of prescription drugs, including:
- The retail generic drug copay will increase from $10 to $12
- The Pharmacy-Filled Non-formulary will change from 50% ($75 min / $150 max) to 50% ($80 min / $160 max)
- The Mail Order generic drug copay will increase from $25 to $30
- The Mail Order Non-formulary will change from 50% ($150 min / $300 max) to 50% ($180 min / $350 max)
What are the differences between the Basic Option and the Premium Option dental plan?
The Premium Option is more expensive, but provides a lower deductible and a higher per year maximum than the Basic Option. For additional information about each plan, check out SyscoBenefits.com.
Are the dental plan options changing for 2017?
Sysco will continue to offer two dental options through MetLife—the Basic and Premium Options. For 2017, there will be some improvements to the Premium Option including:
- Orthodontia coverage will now apply to dependent children up to age 26 (currently up to age 19).
- The calendar-year maximum will increase from $1,500 per person to $2,500 per person.
There will be no changes to the Basic Option for 2017.
Is the Vision plan changing for 2017?
No. Sysco’s vision plan is offered through Vision Service Plan (VSP), and covers routine eye exams, prescription eyeglasses and contact lenses.
Do I have to go to a VSP provider to use the vision plan?
No. However, your costs will be lower when you use an affiliated VSP provider. You can find an affiliated VSP provider at VSP.com.
Am I still eligible for the company-paid Basic Life Insurance and the Basic Accidental Death and Dismemberment (AD&D), if I don’t enroll in the medical plans?
Yes. Even if you don’t elect a Sysco-sponsored medical plan for 2017, you are still eligible for the company-paid Basic Life Insurance and the Basic Accidental Death and Dismemberment benefits. During the benefits enrollment period, make sure you designate a beneficiary in the Total Rewards Café (enrollment system).
How much life insurance does Sysco provide?
Sysco will automatically provide 1.5 times your previous year’s eligible earnings, up to a maximum of $225,000.
Are there changes to Supplemental Life insurance for 2017?
Yes. The for maximum coverage amount for associate coverage under supplemental life insurance will increase from 5 times your previous year’s eligible earnings* (to a maximum of $500,000) to 8 times your previous year’s eligible earnings* (to a maximum of $1,000,000 exclusive of basic life).
*Rounded to the nearest $1,000
The maximum coverage amount for Spouse Supplemental Life will increase from $50,000 to $150,000; not to exceed 100% of associate’s basic and supplemental life insurance combined. The premiums for employee and spouse Supplemental Life coverage will be based on associate or spouse’s age as of January 1, 2017.
Will I have to re-enroll in Supplemental Life insurance coverage and Dependent Life insurance if I have already have it?
No. Your 2016 benefit elections, including Supplemental or Dependent Life insurance elections, will carry forward, so you will not need to re-enroll for for 2017.
What is the amount of Supplemental Accidental Death and Dismemberment I can elect?
Sysco will automatically provide you coverage equal to your previous year’s eligible earnings up to a maximum of $150,000. If you choose Voluntary AD&D you can elect $10,000 up to $500,000; however, coverage amounts cannot exceed 10X your annual earnings. For your family, you can elect coverage from $10,000 to $500,000, again, coverage amounts cannot exceed 10x your annual earnings.
Where do I enroll for Voluntary benefits?
Voluntary benefits like Critical Illness and Hospital Indemnity insurance, Legal Services and Identity Theft Protection will be offered during 2017 benefits enrollment and are part of your overall benefit selection process. For more information, be sure to check out SyscoBenefits.com.
What is the difference between the Hospital Indemnity Plan and the Critical Illness insurance?
The Hospital Indemnity insurance, offered by Unum, helps you cover unexpected out-of-pocket expenses when you or a covered dependent are admitted to the hospital for a covered illness or injury. Critical Illness insurance, also provided by Unum provides a lump-sum benefit if you or a covered family member is diagnosed with a covered illness, such as a heart attack or stroke. The lump sum can be used to help pay for expenses not covered by your medical plan.