ADDITIONAL BENEFITS

To achieve wellness, we must give attention to our total health. That’s why Eastman offers comprehensive dental and vision coverage plus other benefits such as EAP.

Eastman provides a choice of two dental plans to you through BlueCross BlueShield of Tennessee (BCBST) – EastDent 1 and EastDent 2. Both of these plans cover preventive, restorative and orthodontia services. Payment for these benefits is through payroll deductions and eligibility follows the Eastman eligibility rules as set forth in our plan documents.

Payment for these benefits is through payroll deductions and eligibility follows the Eastman eligibility rules as set forth in our plan documents.

Dental Care Services
Preventive 1
OPTIONS Plan Pays You Pay
EastDent 1 100% * 0%
EastDent 2
Restorative 2
EastDent 1 50% * 50%
EastDent 2 80% * 20%
Orthodontia 4
EastDent 1 50% * $1,500 / child
EastDent 2
Annual Limit 2
EastDent 1 $1,200 / person
EastDent 2 $1,800 / person

  1. Preventive Services – Include routine exams and cleanings, X-rays. Fluoride treatments for dependent children under age 19.
  2. Restorative Services – Include fillings, extractions, oral surgery, periodontics, crowns, dentures, and bridgework.
  3. Annual Limit – Applies to all services except orthodontia and implants.
  4. Orthodontia – Includes braces, retainers, and visits to the orthodontist for your dependent children under age 19.

* For in-network services, the member will NOT be held liable for balances above the negotiated amount allowed by the dental third-party administrator.


NOTE: For out-of-network services, plan reimbursements are based on an allowable expense which is the maximum dental charge considered reasonable and customary for a particular service in a particular geographic area. You are responsible for any amount that may be billed by the provider that is above reasonable and customary.

Eastman offers our employees and their eligible dependents vision insurance through BlueCross BlueShield of Tennessee. Our vision plan covers routine eye exams at 100% and also provides coverage for eyeglasses, contact lenses, and laser eye surgery.

More information is available at:
http://www.bcbst.com/members/eastman

Payment for these benefits is through payroll deductions and eligibility follows the Eastman eligibility rules as set forth in our plan documents.

VISION CARE SERVICES IN-NETWORK MEMBER COST OUT-OF-NETWORK REIMBURSEMENT
Exam with Dilation as Necessary
(once every 12 months)
$0 copay $35
Retinal Imaging Discount Up to $39 N/A
Standard Contact Lens Fit and Follow-up $0 copay; paid-in-full fit and two follow-up visits $40
Premium Contact Lens Fit and Follow-up $0 copay, 10% off retail price, then apply $40 allowance $40
Frames (once every 24 months)
Any available frame at provider location
$0 copay; $120 allowance, 20% off balance over $120 $60

Standard Plastic Lenses (once every 12 months)

Single Vision

Bifocal

Trifocal

Standard Progressive Lens

Premium Progressive Lens

$0 copay

$0 copay

$0 copay

$65

$65; 80% of charge less $120 allowance

$25

$40

$55

$40

$40

Lens Options:

UV Treatment

Tint (Solid and gradient)

Standard Plastic Scratch Coating

Standard Polycarbonate - Adults

Standard Polycarbonate - Kids under 19

Standard Anti-Reflective Coating

Polarized

Other Add-Ons

$15

$15

$15

$40

$40

$45

20% off Retail Price

20% off Retail Price

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Contact Lenses (allowance includes materials only)

Conventional
Disposable
Medically Necessary
$15 copay; $120 allowance, plus 15% off balance over $120
$15 copay; $120 allowance
$0 copay; paid-in-full
$85
$85

$210

Lasik or PRK from U.S. Laser Network 15% off retail price or 5% off promotional price N/A
ADDITIONAL PAIRS BENEFIT: Members also receive a 40% discount off complete pair eyeglass purchases and a 15% discount off conventional contact lenses once the funded benefit has been used N/A

Frequency:

Examination

Lenses or Contact Lenses

Frame

Once every 12 months

Once every 12 months

Once every 24 months

Employee & Family Assistance Program (EAP)

Just when you think you have it figured out, along comes a challenge. Whether those challenges are big or small, your Cigna EAP is available to help you and the members of your household find a solution and restore your peace of mind.

The EAP is a confidential resource that can help you and the members of your household identify and resolve problems 24/7.

EAP representatives can help you find counseling services or direct you to a variety of resources in your community and online. Up to three face-to-face sessions with a specialist in your area are available at no cost to you. EAP also offers free telephone wellness seminars.

The EAP can provide support for a variety of issues, including:

  • Drug and substance abuse
  • Emotional problems such as anxiety, depression, anger management, eating disorders and more
  • Work-related issues
  • Grief counseling
  • Marriage and parenting concerns

Cigna Employee Assistance Program (EAP): 1-800-796-4449

Optional Life Insurance

You can purchase additional life insurance of 1 to 7 x IASR rounded to the nearest $100. Your election maximum is subject to the lesser of a combined maximum of $3,000,000 for basic and optional coverage or 8 x IASR. Your life insurance is payable to your designated beneficiary.

If you elect to increase your current coverage amount more than 1 x IASR or change from no coverage to coverage during open enrollment, you must provide POGH even if you were previously eligible for this benefit.

Example: Your optional coverage in 2016 was 1 x IASR. You have elected to increase to 3 x IASR. Since you have increased more than one level, POGH is required.

Optional Dependent Life Insurance

You can purchase optional life insurance coverage for your spouse at the following levels:

Accidental Death & Dismemberment Insurance (ADI)

ADI provides for your beneficiary if you die as the result of an accident or provides for you if you suffer an accident-related injury. You can purchase coverage at the following levels:

Dependent Accidental Death & Dismemberment Insurance (DADI)

Spouse DADI provides for you if your spouse dies as the result of an accident or suffers an accident-related injury. You can purchase coverage at the following levels:

Child DADI provides for you if your dependent child dies accidentally or becomes seriously injured. You can purchase coverage for your children under the age of 26 at the following levels:

Occupational Accidental Death Insurance (OAD)

OAD is provided by Eastman to you at no cost. Your OAD coverage is 2 x IASR. OAD covers you for accidental death that occurs as a result of an accidental injury while you were performing customary duties at your normal place of business or at other places to which Eastman’s business requires you to travel.

Additional Services Offered by Prudential

EstateGuidance®1

For some, a simple will is adequate for their needs. Others may want to create a living will to make decisions about end-of-life care. This program offers you the ease and ability to create these simple legal documents online at little or no cost. This program is not intended to take the place of thorough estate planning with a licensed professional.

https://www.estateguidance.com - enter company Web ID: EGP311

IDResources®1

If you become a victim of identity theft, IDResources can help you put all the pieces together to repair your credit history and restore your good name, with step-by-step instructions and guidance from legal and financial professionals, plus work-life assistance and even counseling to address emotional issues—at no cost to you.

http://www3.prudential.com/cmelinks/page/c/eastmanchemical/assets/forms/ID-Theft-Service.pdf

1 EstateGuidance and IDResources are issued by ComPsych Corporation.

Disability coverage protects you in the event you lose income due to a disabling sickness or injury for an extended period of time.

Short-Term Disability (STD)
Eastman provides Short-Term Disability for non-job related illness or injury for up to 1,040 hours. Should you have a work-related illness or injury, Eastman's Worker's Compensation Supplement Plan provides up to 1,040 hours of coverage.

After your STD benefits expire, Eastman’s Long-Term Disability Plan may provide a portion of your income as long as you continue to qualify under the provisions of the LTD plan.

Long-Term Disability (LTD)
Long-term disability coverage is an income replacement program that protects you and your family in the event you become disabled, have exhausted your short-term disability benefit and are unable to work. Eastman provides 50% coverage to you at no cost. If you choose to enroll in the 60% option, your biweekly contribution will be deducted from your pay.

Proof Of Good Health (POGH) is required when increasing your coverage from 50% to 60%. You will be asked to complete a brief questionnaire online.

Contributions for the long-term disability 60% coverage option will be deducted from payroll after taxes.