If you are a full-time associate, you are eligible
for health and welfare benefits on your 31st day of employment. You may also enroll your eligible
dependents, including a same-sex domestic partner, in the medical, dental, vision
and optional life insurance benefits.
MEDICAL PROGRAM
Limited Brands offers medical and pharmacy coverage through UnitedHealthcare
(UHC). Under UHC we offer a choice of managed care medical plans that vary
based on price, risk, coverage and predictability. You choose the plan that
fits your lifestyle and financial needs.
Our medical programs are available based on your home zip code. The majority of
associates are in a zip code covered by the UHC "Choice" plans. If you don't
live in an area where the UHC "Choice" plans are available, or if there are not
enough providers for an effective network, we offer additional plans to cover
your needs.
In order to receive the highest level of benefits under the managed care plans
(referred to as network level benefits), the covered person must receive care
from a network provider.
You can also use non-network providers, however most covered expenses are paid
at a lower percentage after higher annual deductibles.
Prescription Drug Program
Regardless of which medical plan you choose, you'll receive pharmacy benefits.
Pharmacy benefits are payable for prescription drugs when a prescription is
filed or refilled at a retail network pharmacy or when using the Home Delivery/
On-Line Pharmacy service. This means once the deductible is met, you pay only
the prescription copay (or the actual cost if it is less than the co-pay).
DENTAL PROGRAM
Limited Brands offers dental coverage through MetLife. We offer one plan with
two ways to use it: in-network coverage or out-of-network coverage. You'll
receive higher coverage, as well as lower deductibles if you select an
in-network dentist. This means your out-of-pocket costs will be less.
BASIC TERM LIFE INSURANCE
Your Group Term Life Insurance benefit is equal to one times your annual base
salary. This is a company paid benefit and is automatically provided to you
whether or not you enroll in the medical plan.
OPTIONAL & DEPENDENT LIFE INSURANCE
If you want to increase your total life insurance coverage beyond the Basic
Term Life Insurance that Limited Brands provides, you may choose and pay for
Optional Life Insurance coverage for you, your spouse/same sex domestic partner
and/or children. Optional Life Insurance is offered through MetLife.
DISABILITY
Short Term Disability
Benefits begin on the 8th calendar day of a continuous eligible illness and can
continue through the 30th calendar day of illness. You receive 100% of your
regular base pay.
Long Term Disability
If you are disabled from work for more than 30 days, you are eligible to
receive 60% of your base salary up to a maximum benefit of $11,000 per month.
This is a company paid benefit and is automatically provided to you whether or
not you are enrolled in the medical plan.
VISION BENEFITS
Limited Brands offers a vision plan option or a company paid vision discount for you
and your dependents.
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