2024

BENEFITS
GUIDE
 Table of Contents
Explore Your Benefit Options. . . . . . . . . . . . . . . . . . . 3 Health Savings Account (HSA) & Flexible
Spending Account (FSA). . . . . . . . . . . . . . . . . . . . . . . 12
Eligibility. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Health Savings Account (HSA) and
Major Medical Benefits . . . . . . . . . . . . . . . . . . . . . . . . 6 Flexible Spending Account (FSA). . . . . . . . . . . . . . . . 14
Telemedicine. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 Dental. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
United Healthcare’s Real Appeal Vision. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Program (For Members/Families Enrolled
in a UHC Plan) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Additional Benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . 17

Additional Medical Options Wellbeing—Wellworks For You. . . . . . . . . . . . . . . . . 24

(Where Available). . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Work Perks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26
Limited Medical Benefits
Gym Membership Discounts . . . . . . . . . . . . . . . . . . 27
(Hourly Associates). . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Contact Information. . . . . . . . . . . . . . . . . . . . . . . . . . 28

This publication contains important information

about your employee benefit program.

Please read thoroughly. 2

 2024
Benefits Guide

Explore Your Benefit Options

Your Benefits Your Choice Your Benefits
As a benefits-eligible associate, this is your We offer a comprehensive benefits package
opportunity to elect medical, dental, vision, life consisting of:
and disability insurance, and voluntary benefits. In
z Medical/Rx Plans z Associate Assistance
this guide, you will find a summary of the benefits Program
z Telemedicine
available to you and your family.
z Advocacy Services z 401(k) Retirement
Savings Plan
We invite you to take full advantage of everything z Dental
z Health Savings
our benefit programs have to offer. Please take a z Vision Accounts
few minutes to study the information in this guide
z Basic Life and z Flexible Spending
before submitting your enrollment. Accidental Death Accounts
and Dismemberment
2024 Open Enrollment (AD&D) z Wellness Program

z Voluntary Life and z ID Theft

This Open Enrollment requires your attention and
AD&D for associates, z Legal
participation. Open enrollment to make changes
spouses and z Pet Insurance
to your 2024 benefits will be held November 6 to child(ren)
November 20, 2023. z Home
z Short-Term Disability
z Auto
z Long-Term Disability
z Medicare Assistance
z Voluntary Critical
Illness & Voluntary
Accident

3
Eligibility
Who is Eligible?
All full-time associates who have met their initial waiting period are considered eligible associates. Full time is
considered working a minimum of 30 hours or more per week.

Class Description Eligible for Benefits On Enrollment Period for New Hires
Salary Grade 15 and higher, GM, DSE,
Tier 1 Date of hire Up to 30 days from date of hire
Area DSE and Area Chief Engineer
Salary grade 14 and below, salary non-
Tier 2 1st of the month after date of hire Up to 30 days from date of hire
exempt, special hourly and CA hourly

Tier 3 Hourly 1st of the month after 60 days of service Up to 30 days from date of hire

Who is an Eligible Dependent?

Eligible dependents under the Atrium Hospitality benefits plan include:

z Your legal spouse

z Your dependent child (including stepchildren, legally adopted children and children placed with you for
adoption) until the end of the month of their 26th birthday
z Your dependent child, covered by a Qualified Medical Child Support Order
z Your dependent children who are incapable of self-support due to a mental or physical disability, who
are fully dependent on you for support as indicated on your federal tax return (age 26 rule does not
apply)

4
 2024
Benefits Guide

What Documentation is When Am I Eligible to

Required? Make Changes?
(for newly added dependents Due to IRS regulations, once you’ve made your
choices and enrolled, you cannot change your
only) benefits until the next open enrollment period. The
Required documentation includes, but is not limited only exception is if you have a qualifying change
to: in family status. If you have a qualifying event, you
have 31 days from the event date to make any
Spouse changes.
z Copy of marriage certificate
Qualified family status changes include:
z Most recent joint federal tax return, if filing
jointly z Marriage, legal separation, divorce or death
Birth, adoption or death of child
Dependent Child z
z Change in employment status for you or your
z Birth certificate
spouse
z Court papers for adoption/legal guardianship
z Change in dependent’s eligibility status (i.e.,
z Federal tax return listing the child as a child aging out of coverage at age 26)
dependent
z A significant change in the cost or coverage of
your spouse’s benefits (will be evaluated on a
case-by-case basis)
z An address change that results in a change of
plan eligibility (i.e.,if you are currently enrolled
in the Kaiser of California plan and move
outside of California)

Reminder: Please call the Atrium Benefits Center

for details on how to initiate a family status
change. They can be reached at 888.728.7486.

5
Major Medical Benefits
Atrium Hospitality’s medical plans will be administered by United Healthcare, Kaiser (where available), and
Fringe Benefit Group. Please see below for a summary of your benefits:

Red Plan White Plan* Blue Plan**

(PPO Plan) (Qualified HDHP with an HSA) (Qualified HDHP with an HSA)
In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
Coinsurance 20% 50% 20% 50% 20% 50%
Deductible
Associate $1,500 $2,500 $2,000 $3,500 $5,000 $10,000
Associate + 1 $4,500 $7,500 $6,000 $7,000 $10,000 $20,000
Family $4,500 $7,500 $6,000 $7,000 $10,000 $20,000
Deductible Type Embedded Non-Embedded Embedded
Out-of-Pocket Maximum (including Deductible)
Associate $5,000 $10,000 $5,000 $10,000 $6,750 $13,500
Associate + 1 $10,000 $20,000 $10,000 $20,000 $13,500 $27,000
Family $10,000 $20,000 $10,000 $20,000 $13,500 $27,000
Out-of-Pocket
Embedded Non-Embedded Embedded
Maximum Type
Office Visits
50% coins. after 20% coins. after 50% coins. after 20% coins. after 50% coins. after
Primary Care $30 copay
ded. ded. ded. ded. ded.
50% coins. after 20% coins. after 50% coins. after 20% coins. after 50% coins. after
Specialist $60 copay
ded. ded. ded. ded. ded.
30% coins. after 30% coins. after 30% coins. after
Preventive No charge No charge No charge
ded. ded. ded.
Outpatient Lab 20% coins/ded 20% coins. after 20% coins. after
Not covered Not covered Not covered
and X-ray*** waived ded. ded.
50% coins. after 20% coins. after 50% coins. after 20% coins. after 50% coins. after
Urgent Care $50 copay
ded. ded. ded. ded. ded.
Emergency $500 copay + $500 copay + 20% coins. after 20% coins. after 20% coins. after 20% coins. after
Room 20% coins. 20% coins. ded. ded. ded. ded.
Lifetime
Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
Maximum

6
 2024
Benefits Guide

Prescription Drugs
Red Plan White Plan* Blue Plan**
(PPO Plan) (Qualified HDHP with an HSA) (Qualified HDHP with an HSA)
In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
In you choose In you choose In you choose
Deductible/$10 Deductible/$10
Generic $10 a Non-Network a Non-Network a Non-Network
copay copay
Pharmacy, you Pharmacy, you Pharmacy, you
are responsible are responsible are responsible
for payment Deductible/$35 for payment Deductible/$35 for payment
Preferred Brand $35
upfront. copay upfront. copay upfront.
You may be You may be You may be
reimbursed reimbursed reimbursed
based on based on based on
the lowest the lowest the lowest
Non-Preferred contracted Deductible/$75 contracted Deductible/$75 contracted
$75
Brand amount, minus copay amount, minus copay amount, minus
any applicable any applicable any applicable
deductible or deductible or deductible or
copayment copayment copayment
amount amount amount
Deductible/ Deductible/
Tier 1 Specialty: Tier 1 Specialty:
Tier 1: $10 $10 $10
Specialty Tier 2: $150 Not covered Tier 2 Specialty: Not covered Tier 2 Specialty: Not covered
Tier 3: $500 $150 $150
Tier 3 Specialty: Tier 3 Specialty:
$500 $500
Mail Order 2.5× retail copay Ded./coins. Ded./coins.

* If you enroll into the White Plan, Atrium Hospitality will contribute the below noted amounts into your Optum Bank HSA. The Blue Plan is not
eligible for an Atrium Hospitality contribution. Associate Only: $300, Associate + 1: $600, Family: $900.

Please note that these amounts are prorated based on the date you joined the plan.

** With the Blue Plan, you will receive Critical Illness/Accident insurance for yourself at no cost. Associates are eligible to purchase coverage for
dependents and buy-up coverage levels as well. Please see pages 17-19 for details. Associates are able to buy-up coverage as well.

*** For lab/testing, benefit will be 50% coinsurance after deductible for services provided at a hospital-based lab or an outpatient
hospital-based diagnostic center.

Embedded: Means no single individual on a family plan will have to pay a deductible or out-of-pocket maximum higher than the individual deductible
amount. Non-embedded: Means the full family deductible or out-of-pocket maximum must be met before the plan will begin to pay.

7
 Telemedicine
United Healthcare’s
Telemedicine
(For Members enrolled in a UHC
Plan)
Visit with a doctor 24/7—whenever, wherever. With
a Virtual Visit, you can talk—by phone or video—
to a doctor who can diagnose common medical
conditions and even prescribe medications, if
needed.

Virtual Visits may make it easier than ever to get

treated by a doctor. Whether using myuhc.com®
or the UnitedHealthcare® app, Virtual Visits let you
video chat with a doctor 24/7—without setting up
additional accounts or apps. But, if you’d rather just
speak with a doctor, you can simply do a Virtual Visit
over the phone. With a United Healthcare plan, your
cost for a Virtual Visit is $50 or less.

Use a Virtual Visit for these common conditions:

z Allergies z Stomachaches
z Flu z Eye infections
z Sore throats z Rashes
z Bronchitis z And more
z Headaches/
migraines

Sign in at myuhc.com/virtualvisits

Download the UnitedHealthcare app.

Call 855.615.8335

8
 2024
Benefits Guide

United Healthcare’s Real Appeal

Program
(For Members/Families Enrolled in a UHC Plan)
What is It? What to Expect?
Real Appeal is a comprehensive online weight The program starts with Phase One which lasts 16
loss program that teaches you how to take small, weeks. If you love the way you look and want to
manageable steps that lead to a healthier body and lock-in the body you love, or keep losing weight,
lifestyle, offered by UHC. This program is available you can choose to participate in Phases Two and
to eligible employees, spouses and dependents Three which also last 16 weeks each. Depending on
age 18 and older at no cost, not even a copay or your individual goals and needs, you can choose to
deductible. Eligible employees and dependents must move on or opt out of the program at any time. Real
be enrolled in the UHC medical plan and have a BMI Appeal gives you everything you need to take the
of 30 or greater or a BMI between 25 to 29.9 BMI weight off—and keep it off—for good. At the start
with qualifying co-morbidity (Diabetes, Dyslipidemia, of the program, you will also receive a Success Kit
High blood pressure, Pre-diabetes, or Tobacco user). with resources to remove barriers to weight loss, like
healthy cooking tools, workout DVDs, nutrition and
How Does It Work? fitness guides and much more.

Participants meet online for 52 weeks to watch,

learn and laugh with their coach and private success
How Do I Enroll?
group. You can lose 10, 20, 30 pounds or more Get started at getreal.realappeal.com.
with Real Appeal quickly as we show you the small
steps that lead to lasting weight loss.

NO cost to the associate!

9
Additional Medical Options
(Where Available)

Kaiser Plans
Kaiser Permanente of Northern Kaiser Permanente of Southern
California California Kaiser Permanente of Oregon
(Available only in Northern (Available only in Southern (Available only in Oregon)
California) California)
In-Network Only In-Network Only In-Network Only
Coinsurance 20% 20% 10%
Deductible
Associate $1,500 $1,500 $250
Associate + 1 $3,000 $3,000 $750
Family $3,000 $3,000 $750
Out-of-Pocket Maximum (including Deductible)
Associate $4,000 $4,000 $2,250
Associate + 1 $8,000 $8,000 $6,750
Family $8,000 $8,000 $6,750
Office Visits
Primary Care $20 $20 $15
Specialist $20 $20 $25
Preventive No Charge No Charge No Charge
Outpatient Lab & $10 per encounter (most x-rays/ $10 per encounter (most x-rays/ $15 per encounter (most x-rays/
X-Ray lab tests) lab tests) lab tests)
Urgent Care $20 $20 $35
Emergency Room Ded./Coins. Ded./Coins. Ded./Coins.
Lifetime Max Unlimited Unlimited Unlimited
Prescription Drugs
Generic $10 up to a 30-day supply $10 up to a 30-day supply $15 up to a 30-day supply
Preferred Brand $30 up to a 30-day supply $30 up to a 30-day supply $30 up to a 30-day supply
Non-Preferred Brand N/A N/A $50 up to a 30-day supply
Mail Order 2× Retail 2× Retail 2× Retail

10
 2024
Benefits Guide

Limited Medical Benefits

(Hourly Associates)

Limited Medical/MEC Benefits

Fringe Plan
Minimum Essential Coverage (MEC)
63 procedures are covered at 100%, when utilizing a First Health
MEC Preventive
provider
Fixed Indemnity
Hospital Admission $1,000 per confinement
Hospital Indemnity $1,000 per day, 500 day lifetime maximum
z Intensive Care $2,000 per day, 30 day per person per year
z Substance Abuse $500 per day, 30 day per person per year
z Mental Illness $500 per day, 10 day per person per year
z Skilled Nursing $500 per day, 60 day per person per year
Doctor’s Office Benefit $100 per day, 6 days per person per year
Outpatient Diagnostic X-Ray $75 per day, 3 days per person per year
Outpatient Diagnostic Laboratory $75 per day, 3 days per person per year
Outpatient Advanced Studies $300 per day, 3 days per person per year
Emergency Room Benefit for Illness Only $75 per day, 3 days per person per year
Accident Expense Benefit $500 per occurrence
Preventive Care $100 per day, 1 day per person per year
The above benefits are underwritten by Nationwide Life Insurance Company
Additional Programs
Prescription Drugs Insured RxEDO card
z Rx Generic Preferred Retail $10 copay
z Rx Brand Preferred Retail $30 copay
z Rx Non-Preferred Retail Discounts only
z Rx Maximum $250 monthly maximum benefit
First Health Network Doctors and hospitals
Discount Program Included

11
Health Savings Account (HSA) & Flexible
Spending Account (FSA)
Health Savings Account IS EVERYONE ELIGIBLE?
z In order to be eligible, you must be enrolled in
(HSA) a qualified high deductible health plan. (Atrium
Hospitality’s qualified high deductible health
Optum Bank plans are either UHC White Plan or UHC Blue
Plan.)
Website: www.optumbank.com
z If your spouse has a Healthcare Flexible
Spending Account, you are NOT eligible for
WHAT IS A HEALTH SAVINGS ACCOUNT?
an HSA, even if you don’t use your spouse’s
z An HSA is a tax-advantaged individual ‘savings’ account.
account that helps associates save money for
z You cannot put money in an HSA if you are
healthcare expenses and the future.
covered under another health plan, including
z An HSA is NOT a medical plan. Medicare Part A/B or Tricare, or if you are
z An HSA is a fund associates can use to cover claimed as a dependent on another person’s tax
qualified healthcare costs. return (not including spouses).
z Once money goes into the account, it belongs WHAT ARE THE CONTRIBUTION LIMITS?
to the associate; unused funds carry over from
year to year, just like other bank accounts, even z If you enroll in the UHC White Plan, Atrium
if you change employers. Hospitality contributes to your account on
an annual basis. For associate only coverage,
z The funds are held at Optum Bank. Atrium Hospitality will contribute $300 to
z If you already have an HSA account from a your HSA in January. For Associate + one and
previous employer, you may transfer your Associate + Family coverage, Atrium Hospitality
existing balance to a new account with will contribute $600 or $900 to your HSA
Optum Bank. Atrium Hospitality cannot make respectively in January. Please note that these
contributions to Health Savings Accounts amounts are prorated based on the date you
outside of Optum Bank. joined the plan.
z Associates may contribute a total of $4,150/
EXAMPLES OF QUALIFIED year for associate only coverage and $8,300/
EXPENSES INCLUDE: year for dependent coverage, including any
employer contributions.
z Health plan z COBRA premiums,
deductibles and out- should you become z Individuals over the age of 55 may contribute
of-pocket expenses unemployed an additional $1,000/year.
z Prescription Drug z Medicare premiums
costs once you turn 65

z Dental and Vision care z A complete list of

Qualified Health
z Psychiatric and
Care Expenses can
Psychological
be found online at
treatment
www.irs.gov

12
 2024
Benefits Guide

Health and Dependent

Care Flexible Spending
Accounts
Available Through WageWorks/
Health Equity
FSAs allow a pre-tax amount of money to be placed
in a spending account for the year.

2024 Maximum 2024 Minimum

Amount Amount
Health FSA $3,050 $100
Dependent FSA $5,000 $100

FSA funds can be used to pay for qualified medical,

dental, vision, or dependent care expenses. (this is
for the cost of dependent child to age 13 or elder
care costs).

Atrium will allow for up to a $500 rollover of funds

from the Health FSA into next year’s account. Any
amounts remaining in your current account over
$500 will be forfeited.

Per IRS regulations, FSA elections must be

renewed yearly—funds elected in 2023 will not
automatically be elected in 2024.

13
Health Savings Account (HSA) and
Flexible Spending Account (FSA)
HSA, FSA... What’s the Difference?
To help you understand the differences between the Health Savings Account (HSA) and the Health Care
Flexible Spending Account (FSA), please review the chart below.

Plan Feature Health Savings Account (HSA) Health Care Flexible Spending Account (FSA)
Associates enrolled in the UHC White or UHC
Blue Plans who are under age 65, not covered
Eligible associates who are NOT enrolled in the
Who is eligible? under another non-qualified health plan or
UHC White or UHC Blue Plans
Health Care FSA, and not claimed as a dependent
on another person’s tax return
Who owns the account? You Atrium
Who administers the account? Optum Bank WageWorks/Health Equity
Who can contribute to the
You and Atrium You
account?
Atrium will contribute up to:
$300 for associate only coverage
$600 for associate + one
$900 for associate + family coverage
How much can be contributed The maximum you can contribute:
The maximum you can contribute:
to the account in 2024? $3,050
$4,150 for individual coverage
$8,300 for family coverage
Age 55–65 may contribute an additional $1,000
(Catch-Up Contribution)
Are mid-year changes to
Yes No, unless you have a qualified life event
contributions allowed?
As they are deposited from your payroll
When are the funds available? January 1 or your effective date in the plan
deduction
You can access your funds by HSA debit card,
You can access your funds by FSA debit card or
How are the funds used? online bill pay, requesting an HSA checkbook or
submitting a claim for reimbursement
through the UHC bill payment portal
What happens to funds at the Unused funds carry over from year to year, with You may carryover $500 from your 2023 Health
end of the plan year? no limitations Care FSA.
Can you take the account with No. You may submit claims incurred prior to your
Yes
you if you leave Atrium? termination date
Your payroll contributions, qualified withdrawals,
What are your tax advantages? Your payroll contributions are deducted pre-tax
and interest earned are tax-free

* You are not required to set up an HSA, but you can only make pre-tax contributions and receive the employer contribution if you open the
account. https://enrollhsa.optumbank.com/hsaAppWeb/WelcomeAction.do?is_partner_post=Y&group_num=922956.

Information on accounts, visit http://www.irs.gov/pub/irs-pdf/p969.pdf.

Information regarding qualified medical expenses, visit http://www.irs.gov/pub/irs-pdf/p502.pdf.

14
 2024
Benefits Guide

Dental
Atrium Hospitality offers a voluntary dental plan through now with United Healthcare!. These plans are
designed to help you get the dental care you need and help lower your costs. With these benefits you receive
a wide range of covered services—both in and out of network.

Coverage Type Low Plan High Plan

Out-of-Network Out-of-Network
In-Network In-Network
% of Maximum % of Maximum
% of Negotiated Fee % of Negotiated Fee
Reimbursable Charges* Reimbursable Charges*
Class I—Preventive 100% 100% 100% 100%
Class II—Basic
80% 80% 80% 80%
Restorative
Class III—Major
50% 50% 50% 50%
Restorative
Class IV—Orthodontia N/A N/A 50% 50%
$50 $50 $25 $25
Deductible Per Individual Applies to Class II and Applies to Class II and Applies to Class II and Applies to Class II and
III only III only III only III only
$150 $150 $75 $75
Deductible Per Family Applies to Class II and Applies to Class II and Applies to Class II and Applies to Class II and
III only III only III only III only
Annual benefit
Maximum $1,000 $1,000 $2,500 $2,500
(Per Individual)
Orthodontia Lifetime
Maximum
For Dependent Children N/A N/A $2,500 $2,500
to Age 19
(Per Individual)
Dependent Age Limit Eligible for benefits until the end of the month in which he/she turns 26

*
For services provided by an out-of-network dentist, UHC Dental will reimburse according to the Maximum Reimbursable Charge. The Maximum
Reimbursable Charge is calculated at the 90th percentile of all provider charges in the geographic area. The dentist may bill up to their usual fees.

15
Vision
Atrium Hospitality offers a voluntary vision plan through EyeMed. It helps pay the cost of periodic vision
examination and necessary lenses and frames, if prescribed. The plan covers services from any licensed
provider but benefits are paid at a higher level when you use an in-network provider.

Network Non-Network
Exams/Screenings
$10 copay Reimbursement up to $40
(Once every 12 months)
Contacts
$0 copay: $105 allowance, 15% off
Medically Necessary (Once every 12 months) Reimbursement up to $210
balance over $105
$0 copay: $105 allowance, 15% off
Elective Contact Lenses (Once every 12 months) Reimbursement up to $105
balance over $105
Prescription Glasses
Lenses
$10 copay (exam) Varies by lens type
(Once every 12 months)
Frames $0 copay: $140 Allowance, 80% charge
Reimbursement up to $98
(Once every 24 months) over $140

Eyemed Freedom Pass HOW TO REDEEM

Take this flyer to any Target® Optical. They’ll handle the
Feeling free is so you rest.
Offer Code: 755288
YOUR STYLE.
YOUR PERSONALITY.
YOUR CHOICE OF FRAMES. ANY FRAME, ANY PRICE FOR $0
You have a style all your own. Now you can get the OUT-OF-POCKET
frames to match—with a special offer from Target®
Optical. For $0 out-of-pocket expense get any available At Target® Optical. Plus, enjoy savings on lenses!
frame, any brand—no matter the original retail price
point. You’re free to choose any frame in the store at no
additional cost to you.

16
 2024
Benefits Guide

Additional Benefits
Life and Accidental Death and Dismemberment
(AD&D)
ATRIUM’S LIFE/AD&D PLAN IS ADMINISTERED BY CIGNA/NEW YORK LIFE

Class Description Basic Life/AD&D amounts

Salary Grade 15 and higher, GM, DSE, Area DSE and Area
Tier I 2× salary up to a maximum of $250,000
Chief Engineer
Salary Grade 14 and Below, Salary Non-Exempt, Special
Tier II 1× salary up to a maximum of $85,000
Hourly and CA Hourly
1× salary, with a minimum of $30,000 to a maximum of
Tier III Hourly
$85,000

Associates
z Atrium-paid Basic Life and AD&D at multiple of your base salary.
z Voluntary Life/AD&D—Choice of $10,000 increments to a maximum of $500,000.
z Evidence of Insurability (EOI) is required for elections over $150,000 during initial enrollment.
z Evidence of Insurability will be required for all amounts if electing coverage outside your initial
enrollment.

One-time opportunity for January 1, 2024. You can enroll up to the guarantee issue limit without EOI.

Dependents
z You can purchase Voluntary Dependent Life/AD&D in $5,000 increments up to $100,000 (or 50% of your
voluntary life election) for your spouse and increments of $1,000 to a maximum of $10,000 for your
eligible dependent child. These cannot be enrolled in unless the associate enrolls in Voluntary Life.
z Guaranteed issue for Spouse Life is $25,000. All amounts for Child Life are guaranteed issue.

Please note your Life & Disability coverage will end on your date of termination.

17
Short Term and Long Term Disability
ATRIUM’S STD/LTD PLANS ARE ADMINISTERED BY CIGNA/NEW YORK LIFE

In case of an accident or illness, this benefit pays 60% of your base salary to a set maximum. If you are
covered under either one of these plans and believe you have a non-work related disability that prevents you
from working, contact your Human Resource Representative to start the process of filing a disability claim.

Short Term Disability

Class Benefit Maximum Weekly Benefit Eligible For Benefits On:
Tier I (Salary Grade 15 and
higher, GM, DSE, Area DSE and 60% $1,750 Date of hire
Area Chief Engineer)
Grade 14 and Below, Salary
First of the month following
Non-Exempt, Special Hourly 60% $1,250
date of hire
and CA Hourly
First of the month following
Tier III (Hourly) 60% $1,250
60 days

Long Term Disability

Class Benefit Maximum Monthly Benefit Eligible For Benefits On:
Tier I (Salary Grade 15 and
higher, GM, DSE, Area DSE and 60% $7,500 Date of Hire
Area Chief Engineer)
Grade 14 and Below, Salary
First of the month following
Non-Exempt, Special Hourly 60% $7,500
Date of Hire
and CA Hourly
First of the month following
Tier III (Hourly) 60% $7,500
60 days

You may enroll into STD and LTD when you first become eligible without submitting a Statement of Health for
Medical Evidence of Insurability (MEOI) to Cigna/New York Life. If you decide not to enroll during your initial
enrollment, you will be required to submit the MEOI to Cigna/New York Life.

18
 2024
Benefits Guide

Voluntary Accident Coverage

Accident coverage is designed to help meet the out-of-pocket expenses and extra bills which can follow an
accidental injury, whether minor or catastrophic. Indemnity lump sum benefits through Reliance Standard are
paid directly to you based on the amount of coverage listed in the summary of benefits. The accident plan is
guaranteed issue, so no health questions are required.

Summary of Benefits*
Plan 1 Plan 2
Ground Ambulance/Air Ambulance $300/$1,500 $400/$2,000
Emergency Care Treatment $150 $300
Initial Physician Office Visit $60 $125
Hospitalization Benefits
Hospital Admission $750 $1,500
Hospital Stay (per day) $150 $300
Intensive Care Unit Stay (per day) $300 $600
Fractures and Dislocations
Per Covered Surgically-Repaired Fracture $250-$12,500 $700-$35,000
Per Covered Non-Surgically-Repaired
$125-$6,250 $350-$17,500
Fracture
Chip Fracture 25% 25%
Per Covered Surgically-Repaired
$400-$6,400 $800-$12,400
Dislocation
Per Covered Non-Surgically-Repaired
$200-$3,200 $400-$6,400
Dislocation
Follow-Up Care
Follow-Up Visit To The Doctor $60 $125
Follow-Up Physical Therapy Visits $25 $50
Enhanced Accident Benefits
Examples
Small Lacerations (less than or equal to
6 inches long and requires 2 or more $50-$200 $100-$400
sutures)
Large Lacerations (more than 6 inches
$400 $800
long and requires 2 or more sutures)
Coma (lasting 7 days with no response) $5,000 $10,000
Concussion $150 $300
Plus 22 Other Benefits — See certificate for details, including limitations and exclusions

* This list is not all-inclusive. Please see Reliance Standard Accident Summary of Benefits for full details.

19
Here’s How It Works
Imagine while cleaning out your gutters, you fall from the ladder and break your leg.

These are out-of-pocket expenses you may encounter:

$850 Emergency room expense

$250 Specialist visit—orthopedic physician

$500 Specialist visits—occupational/physical therapy for 2 visits
$1,600 Out-of-Pocket Expenses

And here is a sample of benefits you may be eligible for with Reliance Standard’s Group Accident Insurance
with Plan 1:

$150 Accident emergency treatment

$60 Accident follow-up doctor visit

$2,000 Non-surgical fracture (broken leg)
$250 Occupational/physical therapy ($25 per visit for up to 10 per accident)
Benefits paid to you in addition to other coverage you may have with other insurance
$2,460
companies.

The claims example above is based on a covered person aged 41 who receives a complete fracture of the leg
and requires non-surgical repair. The policy has exclusions and limitations. Assumes associate is enrolled in
Atrium’s White Plan. Costs of treatment and benefit amounts may vary from example.

20
 2024
Benefits Guide

Voluntary Critical Illness

Critical illness insurance, available through Reliance Standard, is designed to help you offset the financial
effects of a catastrophic illness with a lump sum benefit if you or a loved one are diagnosed with a covered
critical illness. The critical illness benefit is based on the amount of coverage in effect on the date of diagnosis
of a critical illness or the date treatment is received according to the terms and provisions of the policy.

During benefits enrollment, you can elect this coverage without questions regarding your health.

z Employee: $5,000, $10,00, $20,000 or $30,000

z Spouse/domestic partner: $5,000 or $10,000, not to exceed 100% of employee’s election
z Child(ren): up to 50% of the associate’s election
z Coverage is portable which means you can take this plan with you if you no longer work for the
company
z Diagnosis must occur at least 30 days after the coverage effective date to be eligible for benefits
z Pre-existing conditions do not apply

Covered Conditions
Covered conditions (paid at 100% of elected amount
unless otherwise noted below):

z Cancer
{ Carcinoma in situ (paid at 25%)
z Heart attack
z Coronary artery bypass surgery (paid at 25%)
z End stage renal (kidney) failure
z Major organ failure
z Permanent paralysis as the result of a covered
accident
z Blindness
z Amyotrophic Lateral Sclerosis (Lou Gehrig’s
disease)

21
Voluntary Benefits (payroll deduction available)
Legal Insurance—MetLife
z Associates are able to engage an attorney’s services without worrying about high hourly costs
{ Services include: Wills, Trusts, Divorce Representation, Minor Traffic Tickets, Bankruptcy, and more
{ For most legal matters, if an in-network attorney is used, the hourly fee will be paid in full
{ If an out-of-network attorney is used, hourly rates are discounted

ID Theft—MetLife
z Benefits offered: Credit Monitoring, Annual Credit Report and Credit Score Monitoring, Credit Tracking,
Checking and Savings Account Application Alerts, Bank Account Takeover Alerts
{ Additional Features: PC/Mac/Smartphone/Tablet security

Home & Auto—MetLife

z Discount Home and Auto insurance offered through payroll deductions
z Associates can call 855.766.0109 and mention discount code FJY or visit farmers.com/groupselect to
enroll anytime

Pet Insurance—MetLife
z Individual insurance based on animal/breed/age
{ Associate will work with MetLife to design coverage by electing: Deductible, Coinsurance, Wellness
Benefits and Annual Maximum
{ Benefits may cover: Accidents, Illness, Cancer, Dental Disease, etc
{ Wellness Benefits may cover: Wellness Exams, Spay/Neuter, Flea and Tick, etc
z Associates can call 800 GET.MET8 or visit www.metlife.com/getpetquote to enroll anytime

22
 2024
Benefits Guide

Associate Assistance Program (AAP)

Atrium associates now have access to the enhanced Employee Assistance and Wellness Support Program which
includes:

z Three counseling visits per year z Unlimited referrals for work/life and community
z Five wellbeing coaching telehealth visits per year resources
z Website: guidanceresources.com
Web ID: NYLGBS

401(k) Retirement Savings Plan

Account Access Employer Contributions
z www.mykplan.com z Your company will match 50% of your salary
z 866.695.7526 deferrals up to the first 6% of your eligible
compensation.
You may also speak with a Service Representative z There may be special requirements for you to
Monday through Friday 9 am–7 pm ET on days receive your company contributions.
when the New York Stock Exchange is open or visit
mykplan.com/enroll/learnmore to learn more or Vesting
enroll in your 401(k) benefit. Your contributions and any amounts you rolled into
the plan, adjusted for gains and losses, are always
Plan Eligibility 100% yours. You must work 1,000 hours in a calendar
You can take advantage of this employee benefit as year to earn a vested year. Your company contribution
soon as you have met your plan’s age and service account vests according to the following schedule:
eligibility requirements: Years of service: 1 2 3 4
Match % vested: 20% 30% 50% 100%
z 18 years of age on the next plan entry date (1st
of the month).
z You must have completed 3 month(s) of service Plan Investments
by the next plan entry date (1st of the month).
You choose how to invest your savings. You may
2024 Contribution Limits select from the variety of investments listed in the
Performance Summary.
z Annual Contribution limit: $23,000
z Pre-tax: 1% to 90%
Loans
z Roth 401k: 1% to 90%
Your plan allows you to borrow from your savings. (A
z Total maximum: 90%
fee may apply.)
z If you’re over 50, you may also make a catch-up
contribution in excess of Internal Revenue Code z Number of loans outstanding at any one time: 2
or plan limits. You may save an additional $6,500 z Minimum loan amount: $1,000
in your plan.
z Maximum repayment period: Generally, 5 years,
Customer Service Representatives are employed by unless for the purchase of a primary residence.
ADP Broker-Dealer, Inc., an affiliate of ADP, LLC, One z Interest rate: Prime + 1%
23
ADP Boulevard, Roseland, NJ 07068, Member FINRA.
Wellbeing—Wellworks For You
All benefit eligible associates must complete the various wellness activities to be eligible for a medical
premium discount in 2024. Associates who plan to enroll in medical in 2024 should complete the 2023
program requirements in order to earn the medical premium discount in 2024.

Step 1—Know Your Number Assessment by November 30, 2023

Step 2—Annual Biometric Screening by September 30, 2023

Step 3—Complete three wellness activities by November 30, 2023

Step 4—Meet 3/5 healthy ranges or complete alternative by November 30, 2023

New hires with a hire date after October 1, 2023 will need to complete the Know Your Number Assessment
(Step 1) and the biometric screening (Step 2) or one wellness activity from the list below to the earn the
premium discount beginning January 2024.

Wellness activities options

z Mental wellbeing sessions—one per year z Individual yearly walking challenge—one
z Wellness challenges—three per year per year

z E-learning series—one per year z Submit proof of 12 Peloton workouts

completed in one month—one per year
z Race participation—one per year
z Preventive exams—one per year

24
 2024
Benefits Guide

Wellness Portal
In order for your participation in the program to be tracked, associates must be registered under the Atrium
Hospitality Portal.

New! Beginning this year, all associate accounts are created for you. If you previously had an account, your
username and password has been updated to the format listed below. Spouses who wish to participate will
need to create an account using the designated Spouse Registration Instructions below.

Associate Login Instructions Spouse Registration Instructions

1. Go to www.wellworksforyoulogin.com If you previously created a spouse account on
2. Your username will be: AH +_+ first initial of the Wellness Portal, you do not need to create a
first name + full last name + date of birth in new one. Please make sure associate and spouse
MMDDYYYY format accounts are linked in the Portal. Associates will
(e.g., first name: Jon, Last Name: Smith, DOB: need to sign into their account first to confirm their
03/21/1993, username: AH_JSmith03211993) account before linking a spouse account on the
3. Your temporary password* will be: date of birth Wellness Portal. See instructions below:
in MMDDYYYY format 1. Associates should complete steps 1-5 listed
(No dashes, slashes, or spaces; includes leading above in the Associate Login Instructions
zeros)
2. Spouses can then complete these steps, create
4. Accept the terms of the consent form a Username and Password, and set the Account
5. Fill in the required information or update any Type to Spouse
account information 3. Enter the Username of the associate in the
*Please note: The temporary password is only for Primary Username field
the first time you access the Portal and you will be 4. Complete the required Personal Information
prompted to change it upon initial login. 5. Select Create Account
6. Accept the terms of the Consent Form

Note: Spouses are welcome to register and track

their progress, but are not eligible for a premium
discount.

25
Work Perks
Fuel Up Lead Referral Atrium Hospitality
Program Tobacco Cessation
Fuel up is a referral program developed to Program
engage and encourage all associates to identify
If an associate is a smoker, and wishes to quit, they
new business sales opportunities from their own
have the opportunity to complete an online Tobacco
networks. This program is designed to help generate
Cessation Program at no cost to the associate. The
additional group and catering business that could
completion of the program will allow associates to
result in a monetary incentive for our associates. The
reverse the $150 monthly surcharge (due to payroll
sales teams across the organization will drive this
timing, please allow 1-2 paychecks for the surcharge
program and incorporate it into the overall Atrium
to be removed) after successfully completing the
Hospitality sales culture.
6-week online program “Your Guide to going
Tobacco Free.”
For more details about this program, please your
local Human Resources representative or any sales
representative.
To enroll in the program
1. Go to www.wellworksforyoulogin.com
2. Your username will be: AH +_+ first initial of
HOTEL DISCOUNTS—ATRIUM TRAVELER
first name + full last name + date of birth in
Atrium associates are eligible to receive hotel discounts MMDDYYYY format
at properties owned and operated by Atrium. All Atrium
property and corporate associates and their immediate
(e.g., first name: Jon, Last Name: Smith, DOB:
family members are eligible to book an Associate Rate 03/21/1993, username: AH_JSmith03211993)
(based upon availability) for personal travel. Friends and
family are eligible for the friends and family rate. 3. Your temporary password* will be: date of birth
in MMDDYYYY format
TUITION REIMBURSEMENT PROGRAM (No dashes, slashes, or spaces; includes leading
zeros)
At Atrium Hospitality, we value our associates and
encourage them to gain their full potential by increasing 4. Accept the terms of the consent form
their skills and knowledge. By meeting the eligibility
criteria, Atrium will provide financial support to 5. Fill in the required information or update any
supplement these goals. See your HR Representative for account information
details!
*Please note: The temporary password is only for
ASSOCIATE REFERRAL PROGRAM the first time you access the Portal and you will be
Do you know someone who should come grow with us? prompted to change it upon initial login.
We encourage all associates to use our Associate Referral
Program to get paid while referring a candidate. See your
HR Representative for details!

26
 2024
Benefits Guide

Gym Membership
Discounts

z Gym membership discounts—Atrium

associates are eligible for gym membership
discounts through LA Fitness and Anytime
Fitness
z The LA Fitness gym membership discount link is
available in Workday
z Gym memberships through Anytime Fitness are
managed by each location; present the Atrium
Anytime Fitness flyer to your nearest Anytime
Fitness location to sign up for the discount

LA Fitness

Anytime Fitness

27
Contact Information
401(K) RETIREMENT SAVINGS FLEXIBLE SPENDING
PLAN (ADP) ACCOUNT (FSA)
866.695.7526
(WAGEWORKS/HEALTH
www.mykplan.com EQUITY)
ASSOCIATE ASSISTANCE 877.924.3967
healthequity.com/wageworks
PLAN (AAP) 24/7 SUPPORT
800.344.9752
FRINGE BENEFITS GROUP
www.guidanceresources.com 855.495.1190
Web ID: NYLGBS theamericanworker.com

ATRIUM BENEFITS CENTER KAISER OF CALIFORNIA

888.7ATRIUM (728.7486)
800.464.4000
atriumbenefits@onesourcevirtual.com
thrive.kaiserpermanente.org
NEW YORK LIFE KAISER OF OREGON
Disability and Leaves 888.842.4462
800.813.2000
Life Claims 800.362.4462
thrive.kaiserpermanente.org
Life Portability/Conversion 800.423.1282
AD&D/LTD Conversion 800.441.1832
OPTUM BANK (HSA)
mynylgbs.com
866.234.8913
COBRA SERVICES Access Optum Bank through UHC portal

866.634.9784
UNITED HEALTHCARE AND
atriumcobra@onesourcevirtual.com
OPTUMRX
EYEMED
Medical: 888.633.2446
866.800.5457 Non HSA: 888.332.8885
eyemedvisioncare.com HSA: 866.314.0336
Dental: 866.633.2446
RELIANCE STANDARD www.myuhc.com

Accident/Critical Illness WELLWORKS FOR YOU

877.202.0055
www.matrixabsence.com 800.425.4657
www.wellworksforyou.com
METLIFE PET INSURANCE
METLIFE ID THEFT
800.GET.MET8
www.metlife.com/getpetquote Powered by Aura
my.aura.com
METLIFE AUTO AND HOME 800.GET.MET8
INSURANCE
METLIFE LEGAL
Powered by Farmers
800.GET.MET8
800.GET.MET8
www.members.legalplans.com
www.myautohome.farmers.com

28
 2024
Benefits Guide

Notes

29
REFER BUSINESS | EARN 8% ON GROUP | EA

WA

MT ND

OR

ID
SD

CA WY

NE
NV
UT

CO
KS

AZ OK
NM

TX

HI

IHG Marriott
30
ALABAMA FLORIDA MISSOURI
• Huntsville – Embassy Suites by Hilton Huntsville • Tampa – Embassy Suites by Hilton Tampa USF • Branson – Chateau on the Lake Res

• Montgomery – Embassy Suites by Hilton Montgomery • Coral Springs – Marriott Coral Springs • Kansas City – Embassy Suites by Hilt
 2024
Benefits Guide

ARN 3% ON CATERING

ME

VT
MN
NH
WI
NY
MA
MI
CT

IA

PA NJ

OH
IL IN MD
WV
MO
VA
KY

NC
TN

AL SC
AR
GA
MS
LA

FL

Hilton Other
31
NORTH CAROLINA TENNESSEE
sort • Greensboro – Embassy Suites by Hilton Greensboro Airport
• Murfreesboro – Embassy Suites By Hilton Nashville SE-Murfreesboro
ton Kansas City Airport • Greensboro – Homewood Suites by Hilton Greensboro Airport
This benefit guide is only intended to highlight some of the major benefit provisions of the company plan and should not be relied
upon as a complete detailed representation of the plan. Please refer to the plan’s summary plan descriptions for further detail.
Should this guide differ from the summary plan descriptions, the summary plan descriptions prevail.

© 2022 Lockton, Inc. All rights reserved.

[Rev 10/20/23] ATRHO 24BG 2932334.pdf