Table of Contents Welcome to McGrawHillBenefits.com! About this Site Sitemap Print a Section Life Events Career Events You Join the Corporation You Take an Unpaid Leave You're Preparing for an Expatriate Assignment Your Employment Ends You're Getting Ready to Retire Family Events You Get Married You Establish a Domestic Partnership You Become a Parent A Family Member Loses Coverage You Move You Get Divorced or Legally Separated Health Events You or a Family Member Is Ill or Injured You or a Family Member Needs Mental Health or Chemical Dependency Care You Become Disabled A Family Member Dies You Die Benefit Highlights Health Employee Assistance Program Spending Accounts Healthcare FSA Dependent Day Care FSA Commuter Benefits Program Insurance Disability Coverage Short-Term Disability Long-Term Disability Life Insurance AD&D Insurance Travel Accident Insurance Long-Term Care Insurance Auto & Home Insurance Retirement and Savings 401(k) Savings Profit Sharing Pension Plan Work/Life Tuition Assistance Adoption Assistance Health Medical Coverage Comparing Your Options Common Plan Features How the Options Work Cost of Coverage Enrollment Decisions Changing Your Benefits Filing Claims Appealing Benefit Claims That Are Denied FAQs Prescription Drug Coverage How the Plan Works Mail-Order Option Filing Claims Appealing Benefit Claims That Are Denied FAQs Dental Coverage Comparing the Options Cost of Coverage Enrollment Decisions Filing Claims Appealing Benefit Claims That Are Denied FAQs Vision Coverage How the Plan Works Cost of Coverage Enrollment Decisions FAQs Retiree Healthcare Coverage Eligibility Under Age 65 Age 65 and Over Cost of Coverage Prescription Drug Coverage Dental Coverage Vision Coverage COBRA Coverage Healthy Living Resources What's Available EAP/Mental Health Benefits EAP/Mental Health Benefit Highlights Spending Accounts Flexible Spending Accounts Spending Accounts Highlights Helpful Hints Healthcare Flexible Spending Account Healthcare FSA—Benefit Highlights How the Plan Works Enrollment Decisions Filing Claims Dependent Day Care FSA Dependent Day Care FSA—Benefit Highlights How the Plan Works Enrollment Decisions Filing Claims Commuter Benefits Program Commuter Benefits Program—Benefits Highlights Eligibility Eligible Expenses Ineligible Expenses Payment Options Participating in the Program FAQs Insurance Disability Coverage Disability Coverage Benefit Highlights STD Coverage Short-Term Disability Benefit Highlights How the Plan Works How Long Benefits Last When Benefits End STD and Maternity Leave How Maternity Benefits Are Paid Maternity Benefit Examples LTD Coverage Long-Term Disability Benefit Highlights Enrollment Decisions Cost of Coverage Filing Claims FAQs Life and Accident Insurance Life Insurance Coverage Life Insurance Benefit Highlights Supplemental Life Insurance Enrollment Decisions Coverage at Age 65 Cost of Coverage Conversion and Portability Filing Claims Retiree Coverage Eligibility Automatic Enrollment Life Insurance Portability AD&D Insurance AD&D Insurance Benefit Highlights Enrollment Decisions Cost of Coverage Executive AD&D Filing Claims Travel Accident Insurance Travel Accident Insurance Benefit Highlights FAQs Long-Term Care Insurance Long-Term Care Benefit Highlights How the Plan Works Enrollment Decisions Cost of Coverage Sample Premiums Waiver of Premiums Return of Premiums at Death Filing Claims Auto and Home Insurance Auto and Home Insurance Benefit Highlights Retirement and Savings 401(k) Savings and Profit Sharing Plan 401(k) Savings 401(k) Savings Highlights Enrollment Decisions Contributions Supplemental 401(k) Savings Plan Benefits Profit Sharing Profit Sharing Highlights Your Investment Options FAQs Pension Plan Your Pension Benefit Pension Plan Benefit Highlights FAQs WorkLife Flexible Work Schedules Family-Related Benefits Adoption Assistance Lactation Program Elder Care Childcare Resource and Referral Backup Dependent Care New Parents Guides Financial Confidence Personal Finance Center Credit Union Time Off Benefits Vacation Parental Leave Family and Medical Leave Act (FMLA) Emergency Business Policy Optional Leave Holidays Education-Related Benefits Tuition Refund College Planning Education Loans Education Scholarship Textbook Discounts Test Preparation Legal Services Charitable Contribution Match Employee Discounts Volunteer Program Definitions Contacts Frequently Asked Questions Health Medical Coverage FAQs Prescription Drug Coverage FAQs Dental Coverage FAQs Vision Coverage FAQs Spending Accounts FAQs Insurance Disability Coverage FAQs Life and Accident Insurance FAQs Retirement and Savings 401(k) Savings FAQs Pension FAQs Summary Plan Descriptions Forms Benefit Costs