• WELCOME

• ABOUT THIS HANDBOOK

• LIFE EVENTS AND YOUR BENEFIT PLANS

• IF YOU GET MARRIED
• IF YOU BECOME A PARENT
• IF YOU BECOME LEGALLY SEPARATED OR DIVORCED OR YOUR MARRIAGE IS ANNULLED
• IF YOU TAKE AN APPROVED LEAVE OF ABSENCE (LOA)
• IF YOU BECOME DISABLED
• IF YOU BECOME TERMINALLY ILL
• IF YOU DIE WHILE ACTIVELY EMPLOYED
• IF A DEPENDENT DIES
• IF YOU LEAVE IQVIA
• IF YOU RETIRE
• IF A DEPENDENT CHILD IS NO LONGER ELIGIBLE FOR COVERAGE
• IF YOUR SPOUSE HAS A CHANGE IN EMPLOYMENT

• HEALTH CARE

• PARTICIPATING IN THE HEALTH CARE PLANS

• ELIGIBILITY
• ELIGIBLE DEPENDENTS

• DEPENDENT CHILDREN

• COVERAGE CATEGORIES
• COST OF COVERAGE

• SPOUSAL SURCHARGE
• TOBACCO SURCHARGE
• PAYING FOR BENEFITS WITH PRE-TAX DOLLARS
• LIMITS FOR CERTAIN EMPLOYEES
• HOW TO ENROLL
• ENROLLING WHEN FIRST ELIGIBLE
• ENROLLING DURING OPEN ENROLLMENT
• MAKING MID-YEAR ENROLLMENT CHANGES

• IF YOU DO NOT ENROLL
• WHEN COVERAGE BEGINS

• WHEN COVERAGE BEGINS FOR YOUR COVERED DEPENDENTS

• WHEN COVERAGE ENDS

• WHEN COVERAGE ENDS FOR YOUR COVERED DEPENDENTS

• IF YOU GO OUT ON LEAVE

• MEDICAL LEAVE/FMLA
• MILITARY LEAVE OF ABSENCE

• IF YOU ARE COVERED BY MORE THAN ONE PLAN

• WHICH PLAN PAYS FIRST
• HOW MUCH THE PLAN PAYS
• SUBROGATION AND REIMBURSEMENT

• HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT (HIPAA)

• MEDICAL COVERAGE

• AT A GLANCE
• ANSWERS TO FREQUENTLY ASKED QUESTIONS
• HOW THE MEDICAL PLAN WORKS

• IN-NETWORK BENEFITS
• OUT-OF-NETWORK BENEFITS
• IF YOU LIVE OUTSIDE THE NETWORK AREA

• PAYING FOR YOUR CARE

• DEDUCTIBLE
• COINSURANCE
• COPAY
• ANNUAL MEDICAL OUT-OF-POCKET MAXIMUM
• MAXIMUM LIFETIME BENEFIT

• OTHER PLAN FEATURES

• PRE-CERTIFICATION
• IF YOU NEED EMERGENCY CARE
• CASE MANAGEMENT
• WELLNESS TOOLS AND RESOURCES
• NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT
• WOMEN’S HEALTH AND CANCER RIGHTS ACT OF 1998

• BENEFITS COVERED BY THE MEDICAL PLAN

• $400 DEDUCTIBLE PPO PLAN
• $900 DEDUCTIBLE PPO PLAN
• $1,850 DEDUCTIBLE PLAN WITH HSA
• $2,850 DEDUCTIBLE PLAN WITH HSA

• COVERED SERVICE DESCRIPTIONS

• PREVENTIVE CARE
• PHYSICIAN SERVICES
• HOSPITAL/FACILITY SERVICES
• MATERNITY CARE
• MENTAL HEALTH SERVICES
• SUBSTANCE ABUSE SERVICES
• EMERGENCY AND URGENT CARE
• OTHER SERVICES

• BENEFITS NOT COVERED BY THE MEDICAL PLAN
• FILING A MEDICAL CLAIM

• APPEALING CLAIMS

• PRESCRIPTION DRUG COVERAGE

• AT A GLANCE

• MANDATORY GENERICS
• SPECIALTY MEDICATIONS
• NO COST PREVENTIVE MAINTENANCE MEDICATIONS IN THE $1,850 AND $2,850 DEDUCTIBLE WITH HSA PLANS

• ANSWERS TO FREQUENTLY ASKED QUESTIONS
• HOW THE PRESCRIPTION DRUG PROGRAM WORKS

• USING A RETAIL NETWORK PHARMACY
• USING MAIL ORDER

• DRUGS COVERED BY THE PRESCRIPTION DRUG PROGRAM

• SPECIALTY CARE PHARMACY
• LIMITS ON COVERAGE

• HOW TO FILE CLAIMS

• APPEALING CLAIMS

• GROUP CRITICAL ILLNESS ADVANTAGE PLAN

• GROUP ACCIDENT INSURANCE PLAN

• HEALTH HOSPITAL INDEMNITY INSURANCE PLAN

• DENTAL COVERAGE

• AT A GLANCE
• ANSWERS TO FREQUENTLY ASKED QUESTIONS
• HOW THE DENTAL PLAN WORKS

• IN-NETWORK BENEFITS
• OUT-OF-NETWORK BENEFITS

• PAYING FOR YOUR CARE

• DEDUCTIBLE
• COINSURANCE
• CALENDAR YEAR MAXIMUM
• ORTHODONTIA LIFETIME MAXIMUM
• OTHER PLAN FEATURES

• BENEFITS COVERED BY THE DENTAL PLAN
• BENEFITS NOT COVERED BY THE DENTAL PLAN
• FILING A DENTAL CLAIM

• APPEALING CLAIMS

• VISION COVERAGE

• AT A GLANCE
• ANSWERS TO FREQUENTLY ASKED QUESTIONS
• HOW THE VISION PLAN WORKS

• IN-NETWORK BENEFITS
• OPEN ACCESS BENEFITS

• PAYING FOR YOUR CARE

• COPAYS
• PLAN ALLOWANCE

• BENEFITS COVERED BY THE VISION PLAN

• OTHER BENEFITS
• ADDITIONAL DISCOUNTS

• BENEFITS NOT COVERED BY THE VISION PLAN

• COBRA

• AT A GLANCE
• WHO IS ELIGIBLE FOR COBRA
• ENROLLING FOR COBRA COVERAGE
• LENGTH OF COBRA COVERAGE

• SECOND QUALIFYING EVENTS
• SPECIAL RULES FOR DISABILITY
• COBRA AND FMLA
• EARLY TERMINATION OF COBRA COVERAGE
• COBRA AND USERRA

• CONTACTING THE COBRA ADMINISTRATOR

• HEALTH SAVINGS ACCOUNT (HSA) AND FLEXIBLE SPENDING ACCOUNTS (FSAS)

• AT A GLANCE
• HEALTH SPENDING ACCOUNT (HSA)

• ANSWERS TO FREQUENTLY ASKED QUESTIONS
• ELIGIBILITY AND ENROLLMENT
• HOW THE HSA WORKS

• FLEXIBLE SPENDING ACCOUNTS (FSAS)

• ANSWERS TO FREQUENTLY ASKED QUESTIONS
• ELIGIBILITY AND ENROLLMENT
• HOW FSAS WORK
• THE HEALTH CARE FSA AND COMBINATION FSA
• THE DEPENDENT CARE FSA
• OTHER IMPORTANT INFORMATION
• TAX TREATMENT

• DISABILITY COVERAGE

• SHORT-TERM DISABILITY PLAN

• AT A GLANCE
• ANSWERS TO FREQUENTLY ASKED QUESTIONS
• ELIGIBILITY AND ENROLLMENT

• ELIGIBILITY
• COST OF COVERAGE
• HOW TO ENROLL
• WHEN COVERAGE BEGINS
• WHEN COVERAGE ENDS

• HOW THE PLAN WORKS

• DEFINITION OF DISABILITY

• HOW BENEFITS ARE PAID

• TAX TREATMENT OF STD BENEFITS
• WHEN BENEFIT PAYMENTS END

• NEW OR RECURRING DISABILITIES
• WHAT IS NOT COVERED
• CLAIMING BENEFITS

• PROOF OF DISABILITY
• FRAUDULENT CLAIMS

• LONG-TERM DISABILITY PLAN

• AT A GLANCE
• ANSWERS TO FREQUENTLY ASKED QUESTIONS
• ELIGIBILITY AND ENROLLMENT

• ELIGIBILITY
• COST OF COVERAGE
• HOW TO ENROLL
• WHEN COVERAGE BEGINS
• WHEN COVERAGE ENDS

• HOW THE PLAN WORKS

• DEFINITION OF DISABILITY
• PROPORTIONATE LOSS MONTHLY CALCULATION WITH WORK INCENTIVE BENEFIT

• HOW BENEFITS ARE PAID

• TAX TREATMENT OF LTD BENEFITS
• WHEN BENEFIT PAYMENTS END

• RECURRING DISABILITIES
• WHAT IS NOT COVERED
• REHABILITATION INCENTIVE BENEFIT

• ADDITIONAL BENEFIT PAYMENT
• DISABILITY BENEFITS TERMINATION

• WORK LIFE ASSISTANCE PROGRAM
• SOCIAL SECURITY CLAIMANT ADVOCACY PROGRAM
• CLAIMING BENEFITS

• PROOF OF YOUR CLAIM
• FRAUDULENT CLAIMS

• LIFE AND ACCIDENT COVERAGE

• LIFE INSURANCE PLAN

• AT A GLANCE
• ANSWERS TO FREQUENTLY ASKED QUESTIONS
• ELIGIBILITY AND ENROLLMENT

• ELIGIBILITY
• COST OF COVERAGE
• HOW TO ENROLL
• WHEN COVERAGE BEGINS
• WHEN COVERAGE ENDS

• BASIC LIFE INSURANCE

• IF YOUR PAY CHANGES

• OPTIONAL LIFE INSURANCE

• YOUR COVERAGE AMOUNTS

• COVERAGE REDUCTION AT AGE 65
• WHAT THE PLAN DOES NOT COVER
• HOW BENEFITS ARE PAID

• ACCELERATED BENEFIT
• TAX TREATMENT OF LIFE INSURANCE BENEFITS
• WHEN BENEFIT PAYMENTS END

• CONTINUING COVERAGE

• CONVERSION PRIVILEGE
• PORTABLE GROUP TERM LIFE INSURANCE

• CONTINUATION OF COVERAGE DURING DISABILITY
• COVERAGE DURING A LEAVE OF ABSENCE
• ASSIGNMENT OF RIGHTS
• CLAIMING BENEFITS

• ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) INSURANCE

• AT A GLANCE
• ANSWERS TO FREQUENTLY ASKED QUESTIONS
• ELIGIBILITY AND ENROLLMENT

• ELIGIBILITY
• COST OF COVERAGE
• HOW TO ENROLL
• WHEN COVERAGE BEGINS
• WHEN COVERAGE ENDS

• BASIC AD&D

• IF YOUR PAY CHANGES

• VOLUNTARY AD&D

• YOUR COVERAGE AMOUNTS

• COVERAGE REDUCTION AT AGE 65
• WHAT THE PLAN DOES NOT COVER
• HOW BENEFITS ARE PAID

• ADDITIONAL AD&D BENEFIT COVERAGE
• TAX TREATMENT OF AD&D BENEFITS
• WHEN BENEFIT PAYMENTS END
• WHAT THE PLAN DOES NOT COVER

• ASSIGNMENT OF RIGHTS
• CLAIMING BENEFITS

• BUSINESS TRAVEL ACCIDENT (BTA) INSURANCE PLAN

• AT A GLANCE
• ANSWERS TO FREQUENTLY ASKED QUESTIONS
• ELIGIBILITY AND ENROLLMENT

• ELIGIBILITY
• COST OF COVERAGE
• HOW TO ENROLL
• WHEN COVERAGE BEGINS
• WHEN COVERAGE ENDS

• WHAT THE PLAN PROVIDES
• WHAT THE PLAN DOES NOT COVER
• HOW BENEFITS ARE PAID

• ADDITIONAL BTA BENEFIT COVERAGE
• TAX TREATMENT OF BTA BENEFITS
• WHEN BENEFIT PAYMENTS END

• CLAIMING BENEFITS

• 401(k) PLAN

• BACKGROUND ON THE 401(K) PLAN
• AT A GLANCE
• ANSWERS TO FREQUENTLY ASKED QUESTIONS
• HOW THE PLAN WORKS

• ELIGIBILITY
• EFFECTIVE DATE AND PLAN YEAR
• ENROLLING IN THE PLAN
• YOUR BENEFICIARY

• YOUR CONTRIBUTIONS

• PRE-TAX CONTRIBUTIONS WITH REGULAR DEFERRALS
• POST-TAX CONTRIBUTIONS WITH ROTH DEFERRALS
• AFTER-TAX CONTRIBUTIONS
• ROLLOVER CONTRIBUTIONS
• INVESTING CONTRIBUTIONS

• COMPANY CONTRIBUTIONS

• VESTING IN COMPANY CONTRIBUTIONS
• MATCHING CONTRIBUTIONS
• PROFIT SHARING CONTRIBUTIONS
• COMBINED PROFIT SHARING ACCOUNTS
• 401(K) ACCOUNTS

• THE INVESTMENT FUNDS

• INVESTMENT EARNINGS, LOSSES AND GAINS
• INVESTMENT RESTRICTIONS
• VOTING AND SIMILAR RIGHTS
• COMPLIANCE WITH 404(C) REGULATIONS

• ACCESS TO YOUR ACCOUNT BALANCES WHILE EMPLOYED

• LOANS FOR ACTIVE EMPLOYEES
• IN-SERVICE DISTRIBUTIONS
• HARDSHIP WITHDRAWALS

• DISTRIBUTIONS WHEN YOU LEAVE THE COMPANY

• IF YOU RETIRE FROM THE COMPANY
• WHEN YOU DIE
• PAYMENT OF QINC TRANSFER ACCOUNT AND INNOVEX TRANSFER ACCOUNT
• WHEN YOU REACH AGE 72
• IF YOUR ACCOUNT BALANCE IS LESS THAN $1,000
• APPLYING FOR BENEFITS
• BENEFICIARIES AND ALTERNATE PAYEES

• OTHER PLAN INFORMATION

• FORFEITURES
• W-2 REPORTING
• THINGS THAT CAN AFFECT YOUR BENEFIT
• TRANSFERRING TO AN IQVIA AFFILIATE
• QUALIFIED DOMESTIC RELATIONS ORDER
• TOP-HEAVY PROVISIONS
• BREAK IN SERVICE
• LEAVES OF ABSENCE

• OTHER BENEFITS

• HEALTHY YOU EMPLOYEE WELL-BEING
• HINGE HEALTH
• TELADOC MEDICAL AND MENTAL HEALTH
• WELLNESS COACH
• 24/7 NURSE LINE
• AETNA CARE MANAGEMENT
• AETNA ABLETO EMOTIONAL SUPPORT
• FLU SHOTS
• MERCER MARKETPLACE 365 HUB?

• FIND AN ADVOCATE
• COMPARE PRICES
• COMPARE QUALITY
• GET EXPERT MEDICAL OPINIONS

• TIME OFF

• COMPANY HOLIDAYS
• PAID TIME OFF
• BEREAVEMENT
• JURY DUTY
• MILITARY LEAVE
• SICK TIME

• WORKLIFE BENEFITS

• ADOPTION ASSISTANCE
• PERKSPOT DISCOUNT MALL
• EMPLOYEE ASSISTANCE PROGRAM (EAP)
• EMPLOYEE REFERRAL
• IDENTITY THEFT PROTECTION
• LEGAL ASSISTANCE PLAN
• LIFEKEYS SERVICES
• PET INSURANCE
• SUBSIDIZED CAFETERIAS
• EDUCATION ASSISTANCE
• SERVICE RECOGNITION

• COMMUTER BENEFITS
• STATUTORY BENEFITS

• MEDICARE
• SOCIAL SECURITY
• WORKERS’ COMPENSATION
• UNEMPLOYMENT INSURANCE

• ADMINISTRATIVE INFORMATION

• PLAN DOCUMENTS
• YOUR RIGHTS UNDER ERISA
• YOUR HIPAA PRIVACY RIGHTS
• CLAIMS REVIEW AND APPEALS PROCEDURES

• CLAIM FILING AND REVIEWS
• ADVERSE BENEFIT DETERMINATION
• JUDICIAL REVIEW
• HEALTH CARE PLANS
• HEALTH CARE AND DEPENDENT CARE FLEXIBLE SPENDING ACCOUNTS
• SHORT-TERM DISABILITY (STD) PLAN
• LONG-TERM DISABILITY (LTD) PLAN
• LIFE INSURANCE AND ACCIDENTAL DEATH AND DISMEMBERMENT
• BUSINESS TRAVEL ACCIDENT INSURANCE
• 401(K) PLAN

• NON-ASSIGNMENT OF BENEFITS

• QUALIFIED MEDICAL CHILD SUPPORT ORDER (QMCSO)
• QUALIFIED DOMESTIC RELATIONS ORDER (QDRO)

• DETERMINING PAYMENT OF BENEFITS

• CORRECTING MISTAKES IN PAYMENTS

• CHANGE OR TERMINATION OF THE PLAN

• 401(K) PLAN

• EMPLOYMENT RIGHTS NOT IMPLIED
• OTHER PLAN DETAILS

• HEALTH CARE PLANS
• DENTAL PLAN
• PRESCRIPTION DRUG PROGRAM
• VISION PLAN
• HEALTH CARE AND DEPENDENT CARE FLEXIBLE SPENDING ACCOUNTS
• SHORT-TERM DISABILITY (STD) PLAN
• LONG-TERM DISABILITY (LTD) INSURANCE PLAN
• LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCE
• BUSINESS TRAVEL ACCIDENT (BTA) INSURANCE
• ADOPTION PLAN
• LEGAL ASSISTANCE PLAN
• 401(K) PLAN

• CONTACTS