A. You may access from any computer at work. In Wilmington, the company has installed computer kiosks in these locations:

For outbase employees, kiosks have been installed at each regional hub. Line Maintenance stations can access through their work computer. If you cannot access a computer you may contact the Benefits Dept. at (800) 736-3973 ext. 63157 or ext. 63085 for assistance.

A. You do not need to complete the Benefit Self Service online enrollment form if you are currently enrolled and do not want to make any changes. Your current benefit election will continue. However, to contribute to the Dependent Care Flexible Spending Account or the Health Savings Account, you must elect an amount on the enrollment form. This deduction does not carry over from year to year. If you wish to make any changes, you MUST complete the online enrollment form by the November 21, 2008 deadline.

A. See any Human Resources representative or call the Benefits Department at (800) 736-3973 ext. 63157 or ext. 63085. In Wilmington, Human Resources personnel are available on all three shifts.

A. You should return to the Inbox section of Benefits Self Service and check the "My Messages" area for confirmation of approval or rejection. If approved, you have nothing left to do. If rejected, please correct the error and resubmit for approval. Again, check the same area after three days to make sure your form was approved.

A. The best source of current information is on-line. You also can request paper copies by calling the insurance company’s customer service 800 number. The web addresses and 800 numbers are:

You can find links to all of these web sites on the ABX benefits page at www.myabx.com/benefits.

Paper copies are available (by request only, to help keep costs down).

Q. What is the deadline for completing the Benefit Self Service enrollment form?

A. You need to complete Benefit Self Service enrollment form by November 21, 2008.

A. In addition to experiencing an increase in the number of claims and generally higher claim costs, beginning in late 2007 and throughout 2008 year to date, we have seen a spike in the number of high cost claims. High cost claims are claims between $50,000 and $2 million. Year-to-date in 2008 these high dollar claims have cost over $13 million and increased 38% over the prior period. These claims represent employees or family members who are seriously ill. Unfortunately, this is driving the cost up significantly. However, this is exactly what insurance is for – to cover catastrophic situations and provide financial protection for these employees.

A. Although the employee contributions have gone up for 2009, the amount employees are being asked to pay is comparable with other employers. The chart below shows how the Enhanced PPO Plan compares with similar plans at similar sized employers nationally and in the transportation industry.

In addition, employees can control the impact on their paychecks by selecting either the Value PPO Plan or the Health Savings Account PPO Plan.

A. The deductible is the amount that you must pay before the plan will pay any benefits. This amount is payable just once a year.

A. According to the IRS regulations for an HSA eligible plan, the deductible must be met in full and apply to everything before coinsurance or co-pays begin to pay. Only preventive care is exempt from this requirement. In addition, the single individual deductible of $1,250 applies only if you elect the single coverage. If you elect family coverage, the $2,500 deductible applies for the entire family as a whole before the plan will pay any benefits. One person or a combination of people in your family can meet the $2,500 deductible.

A. A co-payment is the amount you pay each time you receive care. Examples of when co-payments are charged include office visits, urgent care visits, emergency room visits, and prescription drugs.

A. ABX Air offers a Universal Life insurance program that allows you to purchase additional coverage for yourself or your eligible family members. Enrollment is subject to evidence of good health and is not effective until approved by the insurance company. To enroll in the Universal Life insurance visit, www.personal-plans.com/abxair.

A. ABX Air offers a Voluntary Accident Insurance program that lets you purchase additional Accidental Death and Dismemberment coverage for yourself or your eligible family members. Enrollment is effective on January 1. More information about the program can be found in your 2008 Benefits Handbook (Summary Plan Description) or on Benefits Self Service.

A. Open enrollment is your opportunity each year to make adjustments to your benefits. All changes are effective on January 1. During the rest of the year, you cannot make changes to your benefit elections except for certain Family/Work Status changes including:

Any of these reasons allow you to make a change mid-year provided you notify the Benefits Department within 30 days of the event (60 days for birth or adoption).

A. Yes, you may enroll your spouse or child who works at ABX under your plan or you could have two employees under different plans. However, you cannot "double cover" under both plans. Be sure both people complete a Benefit Self Service enrollment form enrolling under one employee and canceling coverage under the other employee. To be enrolled under your plan, the child must be an eligible dependent.

A. Eligible children are your unmarried children under age 19 (under 23 if a full-time student) who are your:

A. Yes, you can decline coverage. When you decline coverage, you must choose whether to decline all Medical, Dental and Vision benefits or just Medical (and choose the stand-alone Dental and Vision).

A. If you need emergency care while traveling, you should go to the nearest hospital. Even if the hospital is a non-network hospital, your benefit will be treated as if it were a network facility.

If you need medical care on a non-emergency basis while traveling, contact United HealthCare customer service at (888) 350-5607 or at www.provider.uhc.com for assistance in locating the nearest network provider.

A. Your health plan covers emergency services necessary to screen and stabilize a covered person if a prudent layperson acting reasonably would have believed a true emergency existed. If you are unsure if your condition needs medical attention, you may contact Nurseline at (888) 609-5880 for assistance.

A. If you have spoken with the insurance company customer service department and they are unable to help resolve your claim issue, contact the ABX Benefits Department at ext. 62567 or 62531 for further assistance. Or you may e-mail messages to abx.benefits@abxair.com.

A. Yes, part-time employees may purchase dental coverage for their families.

Q. Why is the Medical Flexible Spending Account being suspended for 2009?

A. Because Flexible Spending Accounts have a "Use It or Lose It" rule, the Company decided that we would not offer this benefit for 2009, since most employees will not be able to predict when their employment with the Company will be ending. This will prevent employees from losing funds at time when they may need the funds the most. The Company will reevaluate offering the Flexible Spending Account in 2010.

Copyright © 2008. ABX Air, Inc. All Rights Reserved.
Please see ABX Air, Inc.’s terms and conditions for use of this web site.

Revised: November 11, 2008.