2021 Benefit Highlights and Changes
2021 Open Enrollment
Open Enrollment for 2021 Benefits is now CLOSED.
ALEX - Your Benefits Decision Support Tool
ALEX is a virtual benefits counselor that explains your benefit options and helps you choose the plan that’s best for you and your family. ALEX prompts you for some basic information about your personal situation, asks a few questions about how you anticipate using your healthcare (your answers remain anonymous, of course), and helps you figure out what to choose based on your responses.
Before you make your benefit elections in Workday, be sure to spend a few minutes with ALEX at www.myalex.com/leidos/2021 to make sure you’re enrolling in a plan that’s right for you and your family.
Highlights of 2021 Benefit Program Changes
The benefits program supports you in making smart decisions about your health and finances. We want to make sure that you understand the 2021 program so this page will highlight what’s new or changing for the Plan Year.
Healthy Focus Medical Plans
- Leidos is moving to one plan administrator for 2021 – Aetna
- All Healthy Focus plan enrollees will get a new medical ID card from Aetna for 2021
- If you are an Anthem member and currently receiving care, refer to page 11 of the 2021 Open Enrollment Guide for details on transition of care to Aetna
- Embedded Out-Of-Pocket Maximums for Healthy Focus Basic and Essential plans will increase from $8,150 to $8,550 per individual within family to allowable amount under Affordable Care Act (ACA) regulations
- NEW coverage for hearing aids – $2,500 allowance per pair, every three years; subject to deductible
- NEW coverage for Autism diagnosis and Applied Behavioral Analysis (ABA) Therapy – Effective January 1, 2021, Aetna will cover habilitative, physical, occupational, speech, behavioral and ABA therapy for autism spectrum disorder — without age, visit or dollar limits
- NEW Aetna One Advisor advocacy model
- Leidos has eliminated the dual Healthy Focus plan options within Workday (i.e., Healthy Focus HSA vs. Healthy Focus Non-HSA plans)
- If you elect a Healthy Focus plan for 2021, it is important that you enroll in an HSA if you are eligible and would like to receive employer contributions, including wellness incentives.
- The fee for general Medical Consultations will increase from $40 to $47 per consultation
- The fee for Caregiver Services consultations will increase from $45 to $47
- The fee for Dermatology services will remain the same at $75 per consultation
- Leidos is adding Behavioral Health Services to the Teladoc agreement starting January 1, 2021. Member fees will be based on service provided:
- All therapy (non-MD) visits – $85
- Initial psychiatry (MD) visit – $190
- All subsequent psychiatry (MD) visits – $95
For 2021, Leidos is adding a new option – VSP Plus. This enhanced plan allows each covered member to select one of the following when purchasing their eyewear:
- Additional $100 frame allowance
- Additional $100 contact lens allowance
- Fully-covered premium or custom progressive lenses
- Fully covered anti-reflective coating
- Fully-covered light-reactive lenses
Health Savings Account (HSA) / Flexible Spending Accounts (FSAs)
- Increase to IRS HSA limits for 2021 – $3,600 maximum for single coverage and $7,200 maximum for family coverage
- IMPORTANT – In order to receive a Leidos HSA contribution for 2021, you will need to elect an HSA in Workday even if you do not want to make your own contribution
- Increase to IRS Healthcare FSA limit for 2021 – $2,750 annually
- Increase to carryover amount allowed into 2021 under IRS regulations – $550
GROUP UNIVERSAL LIFE (GUL)
Important note about GUL — If you enrolled in GUL for the first time during open enrollment for 2020, throughout 2020, or are enrolling into the GUL plan for the first time during this year's open enrollment, it is important to note that the Society of Actuaries recently published the new 2017 CSO Mortality Table which will impact your initial policy. Federal tax regulations mandate that any permanent life insurances, such as GUL, are based on the new Table. To ensure that the Leidos GUL insurance product continues to satisfy the definition of life insurance under Internal Revenue Code 7702 and receive favorable income tax treatment, any new coverage in the GUL program must be delayed until Prudential receives all necessary regulatory policy form approvals. This is expected to occur in the first half of 2021.
In the interim, any employee who has enrolled or is enrolling for the first time in the GUL program effective January 1, 2021 or later, will initially be issued life insurance coverage under an Optional Term Life (OTL) Insurance Plan. The premium for the OTL Insurance plan is the same as it is for GUL and it will continue to provide you with life insurance protection. While you are covered under OTL, you will not be able to participate in the cash accumulation fund — you must wait to begin any contributions. When Prudential receives the necessary regulatory approvals, the face amount of your OTL Insurance coverage will be automatically convert to GUL coverage. Once your policy converts, you will be able to commence contributions to your cash accumulation fund.
Evidence of Insurability (EOI)
- During this year's open enrollment there is a special offer allowing you to elect or increase your Group Universal Life (GUL) coverage up to 3 times your annual base salary, not to exceed $500,000, without providing EOI.
- Additionally, there is a special offer allowing you to elect or increase Optional Spouse Life coverage up to $25,000 without EOI.
- For any coverage elected outside of 2021 Open Enrollment, Standard EOI rules will apply.
Cash Accumulation Fund (CAF)
Effective Jan. 1, 2021, the methodology used to assess state premium tax when deposits are made into the CAF is changing. Currently, when you contribute to the CAF, state premium taxes of 2.81% are taken from the contribution as a one-time assessment. Going forward you will no longer incur a premium tax charge of 2.81%. This means, 100% of your contributions will go directly into your CAF.
Voluntary Benefits Program (Beneplace)
- NEW Voluntary Benefit offering – Cancer Guardian: An innovative support program that can help in the prevention and management of cancer by combining the power of advanced DNA testing with the personalized support of expert cancer care resources.
- Helps participants identify their genetic risk in advance of a cancer diagnosis
- Reduces misdiagnosis
- Assists employees with awareness and access to services that can help improve health outcome
Paid Parental Leave
We are pleased to announce that effective January 1, 2021, Leidos will increase company-paid parental leave from 10 work days (80 hours) to 20 work days (160 hours) to support employees with growing families. The maximum duration of leave is the lesser of 20 work days or 4 work weeks. The additional 10 days of paid parental leave will only be paid for events occurring on or after January 1, 2021. This benefit is available to new parents regardless of gender.
Parental leave must be taken within 12 months of the following events:
- Birth of your child
- Adoption, or placement of a child in your home for adoption
- Placement of a child in your home for foster care in anticipation of adoption
- Legal guardianship of a child
This leave is in addition to any parental leave that you may be eligible for under any state, city or local government laws, except in cases where Leidos is responsible for funding the full cost of the state, city or local leave. This is also in addition to any maternity leave taken under the DSL and VSDI programs.
Bright Horizons Center-Based and In-Home Childcare
For 2021, Leidos will temporarily increase the maximum annual utilization allowance per employee from 20 days to 30 days.