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Submitted URL: http://sgusbenefits.com/
Effective URL: https://www5.benefitsolver.com/benefits/BenefitSolverView?page_name=signon&co_num=31431&co_affid=societegenerale
Submission: On November 01 via manual from US — Scanned from DE
Effective URL: https://www5.benefitsolver.com/benefits/BenefitSolverView?page_name=signon&co_num=31431&co_affid=societegenerale
Submission: On November 01 via manual from US — Scanned from DE
Form analysis 2 forms found in the DOM
Name: signonForm — POST https://www2.benefitsolver.com/benefits/BenefitSolverView
<form name="signonForm" action="https://www2.benefitsolver.com/benefits/BenefitSolverView" method="POST" onsubmit="isValidBrowser(); return submitForm(this)" novalidate="novalidate">
<input type="hidden" name="fingerprint" value="UNKNOWN"><input type="hidden" name="isSignonPage" value="t"><input autocorrect="off" autocapitalize="off" type="hidden" name="co_affid" value="societegenerale"><input autocorrect="off"
autocapitalize="off" type="hidden" name="page_name" value=""><input autocorrect="off" autocapitalize="off" type="hidden" name="BrowserName" value="Chrome"><input autocorrect="off" autocapitalize="off" type="hidden" name="BrowserVersion"
value="107"><input autocorrect="off" autocapitalize="off" type="hidden" name="CURRENT_LANGUAGE" value="en"><input autocorrect="off" autocapitalize="off" type="hidden" name="org.springframework.web.servlet.HandlerMapping.bestMatchingPattern"
value="/{_:^(?!swagger).*$}/**"><input autocorrect="off" autocapitalize="off" type="hidden" name="signonurl" value="http://www5.benefitsolver.com/benefits/BenefitSolverView"><input autocorrect="off" autocapitalize="off" type="hidden"
name="org.springframework.web.util.UrlPathHelper.path" value="/BenefitSolverView"><input autocorrect="off" autocapitalize="off" type="hidden" name="org.springframework.web.servlet.HandlerMapping.pathWithinHandlerMapping"
value="/BenefitSolverView"><input type="hidden" name="co_num" value="31431">
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<td align="" valign="top" class="text-danger"><i class="icon-warning-sign pull-left icon-warning-sign-padding"></i><b>Warning - </b><span class="normalFont">It appears that you have JavaScript disabled. Please enable JavaScript
in your browser and refresh this page to log in.</span></td>
</tr>
</tbody>
</table>
</div>
</div>
<script type="text/javascript">
document.getElementById("checkJS").style.display = "none";
</script><input type="hidden" name="USERID" value=""><input type="hidden" name="PASSWORD" value="">
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<div style="vertical-align: top;">
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<div class="panel" widget-type="signon">
<div class="panel-heading">
<h2 class="panel-title">Welcome</h2>
</div>
<div class="panel-body">
<div class="row">
<div class="col-xs-12 col-sm-6">
<div class="form-group required">
<label for="USERID2490702" id="label_USERID2490702" class="control-label">User Name</label><span class="input-group"><span class="input-group-addon" id="USERID2490702_addon_before"><span class="icon icon-user icon-lg">
</span></span><input id="USERID2490702" name="USERID2490702" value="" class="form-control input-lg" type="text" required="required" aria-required="true" autocorrect="off" autocapitalize="off"
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<div class="form-group required">
<label for="PASSWORD2490702" id="label_PASSWORD2490702" class="control-label">Password</label><span class="input-group"><span class="input-group-addon" id="PASSWORD2490702_addon_before"><span
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aria-describedby="PASSWORD2490702_helptext PASSWORD2490702_addon_before"></span>
<div class="help-block" id="PASSWORD2490702_helptext">case sensitive</div>
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<div class="text-center m-bottom-sm">
<a href="javascript:gotoPage(null, 'signup/pwdverify', false, false, { formActionURL: 'https://www2.benefitsolver.com/benefits/BenefitSolverView', co_num: '31431', co_affid: 'societegenerale', RelayState: '' });" onclick="return handleClick('forgotpwd')">Forgot your user name or password?</a>
</div>
</div>
<div class="col-xs-12 col-sm-5 pull-right">
<div style="overflow-y:auto;max-height:300px;">
<h4>First time here?</h4>Register to create your<br>user name and password.
</div>
<br>
<button id="button_50bfe0e1-fad5-4657-9200-787ec7da4d74" value="Register"
onclick="gotoPage(null, 'signup/verify', false, false, { formActionURL: 'https://www2.benefitsolver.com/benefits/BenefitSolverView', co_num: '31431', gd_num: '', co_affid: 'societegenerale', RelayState: '' })"
class="btn btn-default btn-block" type="button"><span class="icon icon-user"></span> Register</button>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="col-sm-12 col-md-4 sidebar ">
<div class="column">
<div style="vertical-align: top;">
<div id="widget_2490707" style="">
<div class="widget" widget-type="promo" id="promo_2490707">
<table role="presentation" class="layout-table">
<tbody>
<tr>
<td class="promo-left"><img src="/shared/images/media/0/9/69683036.jpg" alt="" width="84" height="104" class="img-responsive"></td>
<td>
<div class="widget-heading">
<h2 class="widget-title">Questions</h2>
</div>
<div class="widget-body">
<p style="font-size:inherit;"><span style="color: #ee183c; font-size: 14px;">Societe Generale <strong>Benefits Center</strong></span><br
style="color: #000000; font-family: 'Open Sans', 'sans serif'; font-size: 13.3333px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;"><span
style="font-size: 14px;">833-929-1103</span><span
style="color: #000000; font-family: 'Open Sans', 'sans serif'; font-size: 13.3333px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;"><br><em><span
style="font-size: 14px;">Monday - Friday, 8 a.m. - 8 p.m. EST</span><br><br><span style="font-size: 14px;">Or click on the 'Live Chat' link at the top of the page to chat with a
representative.</span><br></em></span></p>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
<div style="vertical-align: top;">
<div id="widget_2490727" style="">
<div class="widget" widget-type="text" style="" tabindex="0">
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<svg xmlns="http://www.w3.org/2000/svg">
<g>
<rect fill="#ffffff" stroke="f" width=NaN opacity="100%"/>
<text x="15" y="15" style="mso-fit-shape-to-text:true; font:arial,geneva,helvetica;font-size:10pt;color:black;line-height:1.6;">
<![endif]
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<div class="widget-heading">
<h2 class="widget-title">New Hire Enrollments and Changing Your Benefits</h2>
</div>
<div class="widget-body">
<p class="Default">If you are a New Hire, click on the links at the top of the page for information and enrollment basics.<br><br>If you are an existing employee and have experienced a Qualifying Life Event, such as, a
marriage, birth, gain or loss of coverage, you may be eligible to update your benefits. </p>
<ol>
<li>Log-in to the left of this box</li>
<li>On the home page, click on ‘Change my Benefits’ icon</li>
<li>Choose ‘Life Event’ and click on the applicable Event from the drop down menu.</li>
<li>Enter the date of the event (you have 31 days from the date of the event to process your transaction)</li>
<li>Follow the prompts to complete your transaction</li>
</ol>
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<![endif]
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<div style="vertical-align: top;">
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<div class="widget-heading">
<h2 class="widget-title">Important: Please read</h2>
</div>
<div class="widget-body"><a href="https://transparency-in-coverage.uhc.com/" target="_blank" rel="noopener">Transparency in Coverage - Machine Readable Files</a></div>
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<![endif]
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<div class="col-sm-12 col-md-8 ">
<div class="column">
<div style="vertical-align: top;">
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<img src="/shared/images/media/0/4/57654026.jpg" alt="" class="imgBorder" style="
width: 100%;
">
</div>
</div>
</div>
</div>
<div style="vertical-align: top;">
<div id="widget_2490612" style="">
<script>
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agent_mm_num.val(results.callerMmNum);
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<div class="widget" id="2490612000" widget-type="accordion">
<div class="widget-heading">
<h2 class="widget-title">We Offer Some Pretty Great Benefits</h2>
</div>
<div class="panel-group nav-tabs" role="" aria-multiselectable="true" id="2490612000_accordion">
<div class="panel panel-default">
<div class="panel-heading" role="tab" id="panelHeading_1_2490612">
<h3 class="panel-title nav-anchor">
<a href="#panelGroup_2490612000_1" aria-controls="panelGroup_2490612000_1" class="collapsed" role="button" data-toggle="collapse" aria-expanded="false">Your Health</a>
</h3>
</div>
<div id="panelGroup_2490612000_1" class="panel-collapse collapse" role="tabpanel" aria-labelledby="tab_1_2490612" aria-expanded="false">
<div class="panel-body">
<p>You are eligible to enroll in the Plan if you are a regular full-time employee who is scheduled to work at least 20 hours per week. Your eligible Dependents may also participate in the Plan.<br><br><span
style="text-decoration: underline;"><strong>An eligible Dependent is:</strong></span><br>
</p>
<ul>
<li>Your Spouse or Domestic Partner</li>
<li>Your child who is under the age of 26, including a natural</li>
<li>child, stepchild, a legally adopted child, a child placed for</li>
<li>adoption or a child for whom you or your Spouse/Domestic</li>
<li>Partner are the legal guardian</li>
<li>An unmarried child age 26 or over who is or becomes</li>
<li>disabled and dependent upon you</li>
</ul> You have choices for medical coverage in 2020 through <strong>UnitedHealthcare:</strong><br>
<ul>
<li>UHC Choice Plan–EPO</li>
<li>UHC Choice Plus Plan–POS</li>
<li>UHC Choice Plus–HDHP</li>
<li>Waive coverage</li>
</ul>
<span style="text-decoration: underline;"><strong>Dental Care</strong></span><br>SG partners with Guardian to offer you dental coverage.<br><strong><br></strong>How the Plan Works:<br>
<ul>
<li>First, for some types of services, you will need to pay a certain</li>
<li>amount out of your own pocket. This is your deductible.</li>
<li>Then, you pay co-insurance of either 20%, 40% or 50% of</li>
<li>the eligible expenses.</li>
</ul>
<br><span style="text-decoration: underline;"><strong>Vision Care</strong></span><br><br>SG partners with VSP to offer you vision coverage.<br><br>How the Plan Works:<strong><br></strong><br>The plan provides coverage
for periodic vision care services, such as eye examinations, contact lenses, prescription lenses and frames. You also receive substantial savings if you use a provider within VSP’s network. Alternatively, you can receive
partial cash reimbursement of your expenses for these services if you use a provider outside the<br>network. To do so, send an itemized bill with a claim form to VSP after you incur the expense.<br><br><strong><span
style="text-decoration: underline;">Spending/Savings Accounts:</span><br><br></strong>Flexible Spending Accounts:<br>Flexible Spending Accounts (FSAs) give you the opportunity to save money by paying for certain
covered expenses from your before tax pay. Essentially, you get to keep the federal taxes you’d otherwise be charged for these expenses. You also avoid paying FICA and, in most locations, state and local taxes on these
amounts, so the amount you save can be considerable. (Please note, however, your contributions are subject to state tax in New Jersey.)<br><br>There are two FSAs—one for covered health care expenses and one for the
expenses of providing dependent care (DCFSA) so you (and your spouse, if you’re married, or domestic partner) can go to work. <br><br>You can enroll in both, just one, or neither<br><br>Health Savings Account
(HSA)<br>If you are enrolled in the HDHP medical plan, you are eligible to open a Health Savings Account (HSA) in addition to the Limited Purpose FSA. It’s a personal bank account to help you save and pay for covered
health care services and qualified medical expenses. To be eligible you have to sign up for a high-deductible health plan.<p></p>
</div>
</div>
</div>
<div class="panel panel-default">
<div class="panel-heading" role="tab" id="panelHeading_2_2490612">
<h3 class="panel-title nav-anchor">
<a href="#panelGroup_2490612000_2" aria-controls="panelGroup_2490612000_2" class="collapsed" role="button" data-toggle="collapse" aria-expanded="false">Your Life</a>
</h3>
</div>
<div id="panelGroup_2490612000_2" class="panel-collapse collapse" role="tabpanel" aria-labelledby="tab_2_2490612" aria-expanded="false">
<div class="panel-body">
<p><strong>Basic Life Insurance: <br></strong><br>All regular active, full-time employees and part-time employees scheduled to work at least 20 hours per week receive basic life insurance coverage equal to two times
their annual base salary, up to a maximum of $750,000*. You do not need to enroll for this.<br><br><strong>Dependent Life Insurance:</strong><br>You will receive life insurance coverage of $5,000 for your spouse and/or
$1,000 for each dependent child over 14 days old. You must ensure your dependents are entered into the BenefitSolver system for coverage to take effect<br><br>Supplemental Life Insurance<br>Your supplemental life
insurance coverage is also a multiple of your annual base salary. You can choose supplemental life insurance coverage of one, two, three, four or five times this amount, rounded up to the nearest<br>$1,000, up to a
maximum of $1.5 million*<br><br><strong>Dependent Supplemental Life Insurance:</strong><br>In addition to the basic dependent life insurance Societe Generale provides you, MetLife offers you the opportunity to purchase
supplemental life insurance for your spouse and/or your dependent children. Spousal coverage ranges from $10,000 to $100,000 (in increments of $10,000).<br><br><strong>Basic AD&D Insurance:</strong><br>Your basic
life insurance coverage also includes accidental death and dismemberment insurance, which is equal to two times your annual base salary, up to $750,000*.<br><br><strong>Supplemental AD&D Insurance:</strong><br>You
can also buy supplemental AD&D insurance for you and your family members. Supplemental AD&D benefits become payable if you die or suffer certain serious injuries in an accident. These benefits are paid in
addition to the basic AD&D coverage.<br><br><strong>Short-Term Disability:</strong><br>Most absences for illness last one or two days, and they’re covered by your annual Paid Time Off (PTO) allowance. But if you’re
ill for a longer period, it’s important to know that you’ll continue to receive some income while you’re unable to work. The Short–Term Disability (STD) Plan pays benefits from your second week of absence
until<br>Long-Term Disability Plan payments begin after 180 days of illness. Short Term Disability<br><br><strong>401(k)<br></strong>Societe Generale offers eligible employees a generous 401k plan, administered by
Empower Retirement.<strong><br></strong></p>
</div>
</div>
</div>
<div class="panel panel-default">
<div class="panel-heading" role="tab" id="panelHeading_3_2490612">
<h3 class="panel-title nav-anchor">
<a href="#panelGroup_2490612000_3" aria-controls="panelGroup_2490612000_3" class="collapsed" role="button" data-toggle="collapse" aria-expanded="false">Socially Responsible</a>
</h3>
</div>
<div id="panelGroup_2490612000_3" class="panel-collapse collapse" role="tabpanel" aria-labelledby="tab_3_2490612" aria-expanded="false">
<div class="panel-body">
<p><strong>Employee Charitable Gift Matching:</strong><br>Societe Generale is committed to being a socially responsible employer of choice. As such, in addition to offering employees an annual volunteer match day and
opportunities to participate in corporate-sponsored charitable events, SG will match donations made by employees to eligible charitable organizations. Societe Generale will match 100% of eligible donations from
eligible employees up to a maximum of $500 per calendar year per employee. Charitable gift matching requests should be made via the Societe Generale gift matching tool. Donations will be made and tracked via
CyberGrants, a third party web-based charitable giving platform.<br>To be eligible to participate, you must be an active US part or full time employee working twenty or more hours per week and must have completed at
least six months of service prior to making the donation. Eligible charities must meet criteria specified in the gift matching policy and must be in compliance with the US Patriot Act.</p>
</div>
</div>
</div>
<div class="panel panel-default">
<div class="panel-heading" role="tab" id="panelHeading_4_2490612">
<h3 class="panel-title nav-anchor">
<a href="#panelGroup_2490612000_4" aria-controls="panelGroup_2490612000_4" class="collapsed" role="button" data-toggle="collapse" aria-expanded="false">Your Wellness</a>
</h3>
</div>
<div id="panelGroup_2490612000_4" class="panel-collapse collapse" role="tabpanel" aria-labelledby="tab_4_2490612" aria-expanded="false">
<div class="panel-body">
<p><strong>Primary Care:</strong><br>Societe Generale partners with One Medical to offer a membership-based primary care practice service to employees. One Medical offers faster, more convenient and personalized primary
care health services, as well as free telemedicine. SG has paid the membership fees for all benefits eligible employees and all claims will be billed<br>through the employee’s health insurer. Please see the materials
about primary care services and enrollment information located on the MyHR Portal.<br><br><strong>Mental Health Coaching:</strong><br>We have partnered with One Medical to offer a mental health coaching program. The
1:1 Virtual Coaching Program provides employees with tools and personalized support to reduce stress, anxiety, and/or depression. Coaching sessions are conveniently conducted virtually with a certified One Medical
Coach, who provides accountability and guidance throughout the program.</p>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="col-sm-12 col-md-4 sidebar ">
<div class="column">
<div style="vertical-align: top;">
<div id="widget_2490682" style="">
<div class="widget" widget-type="promo" id="promo_2490682">
<table role="presentation" class="layout-table">
<tbody>
<tr>
<td class="promo-left"><img src="/shared/images/media/0/2/69683076.png" alt="" width="84" height="104" class="img-responsive"></td>
<td>
<div class="widget-heading">
<h2 class="widget-title">New Hires</h2>
</div>
<div class="widget-body">
<p style="font-size:inherit;">As a new hire, you have 31 days from your date of hire to enroll in your benefits, per IRS regulations. Please<br>note, any elections you make as a new hire are for the plan year. You can
only make changes to your<br>benefits mid-plan year if you have an IRS qualified life event, such as birth, marriage, divorce, dependent<br>gains coverage, etc</p>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
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<div id="widget_2490622" class="row">
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<h2 id="title_2490632" class="widget-title">Enrolling in Benefits</h2>
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<a id="tab_1_2490632" href="#container_1_2490632" aria-controls="container_1_2490632" role="tab" data-toggle="tab" aria-describedby="title_2490632" aria-selected="true">Before you Enroll</a>
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<a id="tab_2_2490632" href="#container_2_2490632" aria-controls="container_2_2490632" role="tab" data-toggle="tab" aria-describedby="title_2490632" aria-selected="false">When you Enroll</a>
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<p></p>
<p class="AonBodyCopy"><span style="font-size: 14px;">Once the onboarding process is complete, you can register on this site starting on your date of hire and then select the benefit options that are right for you. The
first time you log on, click the <span style="color: #888888;"><strong>Register </strong></span>button on the Home page. Follow the steps to register and create your User Name and Password.</span></p>
<p class="AonBodyCopy"><span style="font-size: 14px;"><span style="color: #808080;"><strong>Take the time to learn about your benefit options.</strong></span> Once you have logged on to the website and are ready to enroll,
you can learn more about your benefits:</span></p>
<span style="font-size: 14px;">- Use the <span style="color: #888888;"><strong>MyChoice tool</strong></span> to:</span><br>
<ul>
<li><span style="font-size: 14px;">Find the medical plans available to you based on your ZIP code.</span></li>
<li><span style="font-size: 14px;">Get all the details on your medical plan options, like out-of-network costs, deductibles, and more.</span></li>
<li><span style="font-size: 14px;">Model your expected medical plan use</span></li>
</ul>
<span style="font-size: 14px;">- Contact the Benefits Service Center at <span style="text-decoration: underline;"><strong>833-929-1103<span style="color: #888888; text-decoration: underline;">.
</span></strong></span>Representatives are available Monday through Friday from 8 a.m. to 8 p.m. Eastern Standard Time.</span>
<p></p>
</div>
<div role="tabpanel" id="container_2_2490632" class="tab-pane fade">
<p><span style="color: #888888; font-size: 16px;"><strong>Health Benefits</strong></span>
</p>
<p class="AonBullet1"><span style="font-size: 14px;">Medical (including prescription drug and mental health benefits), dental, and/or vision coverage — Enroll yourself, your spouse/domestic partner, and/or your eligible
dependent(s).</span></p>
<p class="AonBodyCopy"><strong><span style="font-size: 16px; color: #888888;">Spending Accounts</span></strong></p>
<ul>
<li><span style="font-size: 14px;">Health Care Spending Account — Contribute up to $2700 for the year.</span></li>
<li><span style="font-size: 14px;">Health Savings Account (HSA) — You’ll receive a welcome email with instructions for how to open your HSA via Optum if you newly enroll in the UHC Choice Plus Plan (HDHP) plan and elect
an HSA. You’ll also receive an HSA debit card from Optum mailed to your home. <span style="color: #888888;"><strong>You must open and activate the Health Savings Account to receive your personal contributions and
contributions.</strong></span></span></li>
<li><span style="font-size: 14px;">Dependent Care Spending Account — Contribute up to $5,000 per year ($2,500 if married and not filing jointly). There is a minimum contribution of $200.</span></li>
</ul>
<p class="AonBodyCopy"><span style="font-size: 16px; color: #888888;"><strong>Insurance Coverage</strong></span></p>
<ul>
<li><span style="font-size: 14px;"><span style="color: #888888;"><strong>Basic Life </strong></span>— All regular full-time and part-time (scheduled to work at least 20 hours per week) employees receive <span
style="color: #888888;"><strong>Company-paid</strong></span> Basic Life Insurance coverage of two times (2x) their annual salary at<span style="color: #888888;"> <strong>no cost</strong> </span>. <br></span></li>
<li><span style="font-size: 14px;"><span style="color: #888888;"><strong>Supplemental Life </strong></span>— Elect coverage, if you choose, and designate your beneficiary(ies). MetLife will then send you an Evidence of
Insurability (EOI) Form, which you must complete and send to MetLife for approval. (Please note that your coverage will not increase until the EOI form is approved by the insurance company.) Your supplemental life
insurance coverage may be portable if you leave Societe Generale. Information on rates and procedures is available from the insurance company if you leave Societe Generale.</span></li>
</ul>
<ul>
<li><span style="font-size: 14px;"><span style="color: #888888;"><strong>Dependent Life </strong></span>— Enroll your spouse/domestic partner and any eligible dependent(s), if you choose.</span></li>
</ul>
<p class="AonBodyCopy"><span style="font-size: 14px;"><span style="color: #888888;"><strong>Disability Coverage </strong></span>— We provide <span style="color: #888888;"><strong>Company-paid</strong></span> Short-Term
Disability (STD) (the benefit pays 100% of your pay for the first six weeks, 60% of your pay for up to 26 weeks) and Long-Term Disability (LTD) coverage takes effect after 180 days of continuous disability (the benefit
pays the equivalent of 60% of your monthly base salary, up to $12,500 per month) at <span style="color: #888888;"><strong>no cost. </strong></span></span></p>
<p class="AonBullet1"><span style="font-size: 14px;"><span style="color: #888888;"><strong>Hyatt® Legal Plan </strong></span>— You and all of your covered family members may use this program if you enroll.<br><br><span
style="color: #888888;"><strong>Commuter Benefits </strong></span>— Commuter benefits give you the opportunity to save money by paying for commuter and parking expenses from your before tax pay, saving an average of
30-40%. You can change your commuter elections throughout the year, subject to administrative deadlines,
on<a title=" www.sgusbenefits.com" href="http://%20www.sgusbenefits.com" target="_blank" rel="noopener"> www.sgusbenefits.com</a>.<br><br><strong>Maximum pre-tax contributions for commuting costs:</strong><br>
Transit: $270<br> Parking: $270<br></span></p>
<p class="AonBodyCopy"><span style="font-size: 14px; color: #888888;"><strong>Savings Plan</strong></span></p>
<ul>
<li><span style="font-size: 14px;"><strong><span style="color: #888888;">You can make 401(k) Pretax and Roth contributions,</span> </strong>of any whole percentage of your annual compensation subject to certain limits.
For 2020 you may contribute up to $19,500. If you are turning 50 or older in 2020, you may contribute an additional $6,500.</span></li>
<li><span style="font-size: 14px;"><span style="color: #888888;"><strong>Eligible employees are automatically enrolled to the 401(K) Plan under our "auto-enroll" feature at a 3% contribution rate. </strong><span
style="color: #000000;">You may ‘opt-out’ or change your contribution at any time by either calling Empower Retirement or visiting the website</span></span></span></li>
<li><span style="font-size: 14px;"><span style="color: #888888;"><strong>The 401(k) Plan offers various investment funds</strong> <span style="color: #000000;">which provide a range of investment opportunities. The funds
invest in different finanacial markets and instruments which means, they vary in their risk/return profiles. </span></span></span><span style="font-size: 14px;"><span style="color: #33ff66;"></span></span>
</li>
</ul>
<p class="AonBullet1"><span style="font-size: 14px;">Questions? Contact Empower Retirement customer service at <span style="color: #808080;"><strong>1-888-411-4015 </strong></span>or log on to
<a title="www.empower-retirement.com" href="http://www.empower-retirement.com" target="_blank" rel="noopener">www.empower-retirement.com.</a> </span></p>
<p class="AonBodyCopy"> </p>
<p></p>
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<p></p>
<p class="AonBodyCopy"><span style="font-size: 16px;"><strong>Learn More</strong></span></p>
<ul>
<li><span style="font-size: 14px;">If you have questions about your benefits or enrollment, contact the Benefits Service Center at <span style="color: #808080;"><strong>1-833-929-1103</strong>.</span>
Representatives are available Monday through Friday from 8 a.m. to 8 p.m. Eastern Standard Time.</span></li>
</ul>
<p></p>
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<h2 class="widget-title">Know the Basics</h2>
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<p class="AonBullet1"><span style="font-size: 16px; color: #888888;"><strong>Health Benefits </strong></span>— <span style="font-size: 14px;">offered to all full-time employees working 20 hours or more per week, as
well as eligible spouses, same- and opposite-sex domestic partners, and children and stepchildren up to age 26.</span></p>
<p class="AonBodyCopy"><span style="font-size: 16px;"><span style="color: #888888;"><strong>Savings Plan </strong></span>—</span> <span style="font-size: 14px;">Eligible employees are automatically enrolled to the 401(K)
Plan under our "auto-enroll" feature at a 3% contribution rate. You may ‘opt-out’ or change your contribution at any time by either calling Empower Retirement or visiting the website</span></p>
<p></p>
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<a href="#panelGroup_2490627000_2" aria-controls="panelGroup_2490627000_2" class="collapsed" role="button" data-toggle="collapse" aria-expanded="false">When and How to Enroll</a>
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<p><span style="font-size: 14px;">Once the onboarding process is complete, you can register on this website starting on your date of hire. The first time you log on, click the <span
style="color: #888888;"><strong>Register </strong></span>button on the Home login page. Follow the steps to register and create your User Name and Passwor</span>d.</p>
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<a href="#panelGroup_2490627000_3" aria-controls="panelGroup_2490627000_3" class="collapsed" role="button" data-toggle="collapse" aria-expanded="false">Things to Keep in Mind</a>
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<ul>
<li><span style="font-size: 14px;">Your choices will remain in effect until December 31 of the current calendar year.</span></li>
<li><span style="font-size: 14px;">You will have the opportunity to make changes each year during Annual Enrollment.</span></li>
<li><span style="font-size: 14px;">You can change your benefits elections during the year <span style="color: #888888;"><strong>only</strong> </span>if you experience a qualifying life event — such as marriage, birth
of a child, or change in your spouse's employment status — that would affect your current coverage.</span></li>
<li><span style="font-size: 14px;">You may be required to submit a completed evidence of insurability (EOI) form for some life insurance coverages.</span></li>
<li><span style="font-size: 14px;">You can make changes to your HSA contribution amounts, investment elections, or beneficiaries at any time during the year.</span></li>
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* Home
* New Hires
* Enrollment Basics
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WELCOME
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QUESTIONS
Societe Generale Benefits Center
833-929-1103
Monday - Friday, 8 a.m. - 8 p.m. EST
Or click on the 'Live Chat' link at the top of the page to chat with a
representative.
NEW HIRE ENROLLMENTS AND CHANGING YOUR BENEFITS
If you are a New Hire, click on the links at the top of the page for information
and enrollment basics.
If you are an existing employee and have experienced a Qualifying Life Event,
such as, a marriage, birth, gain or loss of coverage, you may be eligible to
update your benefits.
1. Log-in to the left of this box
2. On the home page, click on ‘Change my Benefits’ icon
3. Choose ‘Life Event’ and click on the applicable Event from the drop down
menu.
4. Enter the date of the event (you have 31 days from the date of the event to
process your transaction)
5. Follow the prompts to complete your transaction
IMPORTANT: PLEASE READ
Transparency in Coverage - Machine Readable Files
WE OFFER SOME PRETTY GREAT BENEFITS
YOUR HEALTH
You are eligible to enroll in the Plan if you are a regular full-time employee
who is scheduled to work at least 20 hours per week. Your eligible Dependents
may also participate in the Plan.
An eligible Dependent is:
* Your Spouse or Domestic Partner
* Your child who is under the age of 26, including a natural
* child, stepchild, a legally adopted child, a child placed for
* adoption or a child for whom you or your Spouse/Domestic
* Partner are the legal guardian
* An unmarried child age 26 or over who is or becomes
* disabled and dependent upon you
You have choices for medical coverage in 2020 through UnitedHealthcare:
* UHC Choice Plan–EPO
* UHC Choice Plus Plan–POS
* UHC Choice Plus–HDHP
* Waive coverage
Dental Care
SG partners with Guardian to offer you dental coverage.
How the Plan Works:
* First, for some types of services, you will need to pay a certain
* amount out of your own pocket. This is your deductible.
* Then, you pay co-insurance of either 20%, 40% or 50% of
* the eligible expenses.
Vision Care
SG partners with VSP to offer you vision coverage.
How the Plan Works:
The plan provides coverage for periodic vision care services, such as eye
examinations, contact lenses, prescription lenses and frames. You also receive
substantial savings if you use a provider within VSP’s network. Alternatively,
you can receive partial cash reimbursement of your expenses for these services
if you use a provider outside the
network. To do so, send an itemized bill with a claim form to VSP after you
incur the expense.
Spending/Savings Accounts:
Flexible Spending Accounts:
Flexible Spending Accounts (FSAs) give you the opportunity to save money by
paying for certain covered expenses from your before tax pay. Essentially, you
get to keep the federal taxes you’d otherwise be charged for these expenses. You
also avoid paying FICA and, in most locations, state and local taxes on these
amounts, so the amount you save can be considerable. (Please note, however, your
contributions are subject to state tax in New Jersey.)
There are two FSAs—one for covered health care expenses and one for the expenses
of providing dependent care (DCFSA) so you (and your spouse, if you’re
married, or domestic partner) can go to work.
You can enroll in both, just one, or neither
Health Savings Account (HSA)
If you are enrolled in the HDHP medical plan, you are eligible to open a Health
Savings Account (HSA) in addition to the Limited Purpose FSA. It’s a personal
bank account to help you save and pay for covered health care services and
qualified medical expenses. To be eligible you have to sign up for a
high-deductible health plan.
YOUR LIFE
Basic Life Insurance:
All regular active, full-time employees and part-time employees scheduled to
work at least 20 hours per week receive basic life insurance coverage equal to
two times their annual base salary, up to a maximum of $750,000*. You do not
need to enroll for this.
Dependent Life Insurance:
You will receive life insurance coverage of $5,000 for your spouse and/or $1,000
for each dependent child over 14 days old. You must ensure your dependents are
entered into the BenefitSolver system for coverage to take effect
Supplemental Life Insurance
Your supplemental life insurance coverage is also a multiple of your annual base
salary. You can choose supplemental life insurance coverage of one, two, three,
four or five times this amount, rounded up to the nearest
$1,000, up to a maximum of $1.5 million*
Dependent Supplemental Life Insurance:
In addition to the basic dependent life insurance Societe Generale provides you,
MetLife offers you the opportunity to purchase supplemental life insurance for
your spouse and/or your dependent children. Spousal coverage ranges from $10,000
to $100,000 (in increments of $10,000).
Basic AD&D Insurance:
Your basic life insurance coverage also includes accidental death and
dismemberment insurance, which is equal to two times your annual base salary, up
to $750,000*.
Supplemental AD&D Insurance:
You can also buy supplemental AD&D insurance for you and your family members.
Supplemental AD&D benefits become payable if you die or suffer certain serious
injuries in an accident. These benefits are paid in addition to the basic AD&D
coverage.
Short-Term Disability:
Most absences for illness last one or two days, and they’re covered by your
annual Paid Time Off (PTO) allowance. But if you’re ill for a longer period,
it’s important to know that you’ll continue to receive some income while you’re
unable to work. The Short–Term Disability (STD) Plan pays benefits from your
second week of absence until
Long-Term Disability Plan payments begin after 180 days of illness. Short Term
Disability
401(k)
Societe Generale offers eligible employees a generous 401k plan, administered by
Empower Retirement.
SOCIALLY RESPONSIBLE
Employee Charitable Gift Matching:
Societe Generale is committed to being a socially responsible employer of
choice. As such, in addition to offering employees an annual volunteer match day
and opportunities to participate in corporate-sponsored charitable events, SG
will match donations made by employees to eligible charitable organizations.
Societe Generale will match 100% of eligible donations from eligible employees
up to a maximum of $500 per calendar year per employee. Charitable gift matching
requests should be made via the Societe Generale gift matching tool. Donations
will be made and tracked via CyberGrants, a third party web-based charitable
giving platform.
To be eligible to participate, you must be an active US part or full time
employee working twenty or more hours per week and must have completed at least
six months of service prior to making the donation. Eligible charities must meet
criteria specified in the gift matching policy and must be in compliance with
the US Patriot Act.
YOUR WELLNESS
Primary Care:
Societe Generale partners with One Medical to offer a membership-based primary
care practice service to employees. One Medical offers faster, more convenient
and personalized primary care health services, as well as free telemedicine. SG
has paid the membership fees for all benefits eligible employees and all claims
will be billed
through the employee’s health insurer. Please see the materials about primary
care services and enrollment information located on the MyHR Portal.
Mental Health Coaching:
We have partnered with One Medical to offer a mental health coaching program.
The 1:1 Virtual Coaching Program provides employees with tools and personalized
support to reduce stress, anxiety, and/or depression. Coaching sessions are
conveniently conducted virtually with a certified One Medical Coach, who
provides accountability and guidance throughout the program.
NEW HIRES
As a new hire, you have 31 days from your date of hire to enroll in your
benefits, per IRS regulations. Please
note, any elections you make as a new hire are for the plan year. You can only
make changes to your
benefits mid-plan year if you have an IRS qualified life event, such as birth,
marriage, divorce, dependent
gains coverage, etc
ENROLLING IN BENEFITS
* Before you Enroll
* When you Enroll
* After you Enroll
Once the onboarding process is complete, you can register on this site starting
on your date of hire and then select the benefit options that are right for you.
The first time you log on, click the Register button on the Home page. Follow
the steps to register and create your User Name and Password.
Take the time to learn about your benefit options. Once you have logged on to
the website and are ready to enroll, you can learn more about your benefits:
- Use the MyChoice tool to:
* Find the medical plans available to you based on your ZIP code.
* Get all the details on your medical plan options, like out-of-network costs,
deductibles, and more.
* Model your expected medical plan use
- Contact the Benefits Service Center at 833-929-1103. Representatives are
available Monday through Friday from 8 a.m. to 8 p.m. Eastern Standard Time.
Health Benefits
Medical (including prescription drug and mental health benefits), dental, and/or
vision coverage — Enroll yourself, your spouse/domestic partner, and/or your
eligible dependent(s).
Spending Accounts
* Health Care Spending Account — Contribute up to $2700 for the year.
* Health Savings Account (HSA) — You’ll receive a welcome email with
instructions for how to open your HSA via Optum if you newly enroll in the
UHC Choice Plus Plan (HDHP) plan and elect an HSA. You’ll also receive an HSA
debit card from Optum mailed to your home. You must open and activate the
Health Savings Account to receive your personal contributions and
contributions.
* Dependent Care Spending Account — Contribute up to $5,000 per year ($2,500 if
married and not filing jointly). There is a minimum contribution of $200.
Insurance Coverage
* Basic Life — All regular full-time and part-time (scheduled to work at least
20 hours per week) employees receive Company-paid Basic Life Insurance
coverage of two times (2x) their annual salary at no cost .
* Supplemental Life — Elect coverage, if you choose, and designate your
beneficiary(ies). MetLife will then send you an Evidence of Insurability
(EOI) Form, which you must complete and send to MetLife for approval. (Please
note that your coverage will not increase until the EOI form is approved by
the insurance company.) Your supplemental life insurance coverage may be
portable if you leave Societe Generale. Information on rates and procedures
is available from the insurance company if you leave Societe Generale.
* Dependent Life — Enroll your spouse/domestic partner and any eligible
dependent(s), if you choose.
Disability Coverage — We provide Company-paid Short-Term Disability (STD) (the
benefit pays 100% of your pay for the first six weeks, 60% of your pay for up to
26 weeks) and Long-Term Disability (LTD) coverage takes effect after 180 days of
continuous disability (the benefit pays the equivalent of 60% of your monthly
base salary, up to $12,500 per month) at no cost.
Hyatt® Legal Plan — You and all of your covered family members may use this
program if you enroll.
Commuter Benefits — Commuter benefits give you the opportunity to save money by
paying for commuter and parking expenses from your before tax pay, saving an
average of 30-40%. You can change your commuter elections throughout the year,
subject to administrative deadlines, on www.sgusbenefits.com.
Maximum pre-tax contributions for commuting costs:
Transit: $270
Parking: $270
Savings Plan
* You can make 401(k) Pretax and Roth contributions, of any whole percentage of
your annual compensation subject to certain limits. For 2020 you may
contribute up to $19,500. If you are turning 50 or older in 2020, you may
contribute an additional $6,500.
* Eligible employees are automatically enrolled to the 401(K) Plan under our
"auto-enroll" feature at a 3% contribution rate. You may ‘opt-out’ or change
your contribution at any time by either calling Empower Retirement or
visiting the website
* The 401(k) Plan offers various investment funds which provide a range of
investment opportunities. The funds invest in different finanacial markets
and instruments which means, they vary in their risk/return profiles.
Questions? Contact Empower Retirement customer service at 1-888-411-4015 or log
on to www.empower-retirement.com.
Learn More
* If you have questions about your benefits or enrollment, contact the Benefits
Service Center at 1-833-929-1103. Representatives are available Monday
through Friday from 8 a.m. to 8 p.m. Eastern Standard Time.
KNOW THE BASICS
WHO IS ELIGIBLE AND WHEN?
Health Benefits — offered to all full-time employees working 20 hours or more
per week, as well as eligible spouses, same- and opposite-sex domestic partners,
and children and stepchildren up to age 26.
Savings Plan — Eligible employees are automatically enrolled to the 401(K) Plan
under our "auto-enroll" feature at a 3% contribution rate. You may ‘opt-out’ or
change your contribution at any time by either calling Empower Retirement or
visiting the website
WHEN AND HOW TO ENROLL
Once the onboarding process is complete, you can register on this website
starting on your date of hire. The first time you log on, click the Register
button on the Home login page. Follow the steps to register and create your User
Name and Password.
THINGS TO KEEP IN MIND
* Your choices will remain in effect until December 31 of the current calendar
year.
* You will have the opportunity to make changes each year during Annual
Enrollment.
* You can change your benefits elections during the year only if you experience
a qualifying life event — such as marriage, birth of a child, or change in
your spouse's employment status — that would affect your current coverage.
* You may be required to submit a completed evidence of insurability (EOI) form
for some life insurance coverages.
* You can make changes to your HSA contribution amounts, investment elections,
or beneficiaries at any time during the year.
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