After you enroll, confirmation statements will be mailed to your home in December. The statement will include instructions and a deadline for any corrections.

Whenever you enroll a dependent for the first time (or re-enroll a dependent after coverage is dropped), you’ll be required to provide documentation for that dependent within your enrollment period. Click Click here to download a PDF explaining who is eligible and what documentation you need to provide to enroll them. CMC has the right to review eligibility at any time. If you enroll an ineligible dependent, you could face disciplinary action.

The EAP is a free resource to help with things like stress, anxiety, will prep, legal issues and advise, relationship support, locating childcare/eldercare and more!

January 1

If you are a benefits-eligible employee, you can cover eligible dependents. Eligible dependents include your spouse, common-law spouse, domestic partner, and children, as long as they meet the plan’s definition. Click here to download a PDF explaining who is eligible and what documentation you need to provide to enroll them.

EAP benefits are available at no cost to CMC employees and their dependents. 

Teladoc Health offers FREE chronic condition management for pre-diabetes, diabetes, and hypertension. It provides free supplies such as lancets/strips, glucose meters, and blood pressure cuffs, as well as free 1-on-1 coaching for things like healthy habits, medication/pharmacy, progress/results.

Free supplies (test strips, lancets, blood glucose meter, blood pressure monitor cuff) and coaching & support (personalized coaches provide live, one-on-one support to help you on your way to better health). 

All employees and their dependents enrolled in the BCBS medical plan. 

Yes, Teladoc Health will contact you directly if you qualify for the program. 

All full-time and part-time CMC employees are eligible to participate on the first of the month following the first 30 days of your employment. Part-time employees are also eligible the first of the month after 1,000 hours of work.

Yes, earnings on pre-tax contributions areconsidered taxable income. The earnings are treated as normal income when youreceive a taxable distribution.

Yes, investmentelections for all contribution types within the plan are the same.

Yes, you may change your contribution amount at any time on MillimanBenefits.com.

Yes, you may contribute to your account inboth ways, including catch-up contributions if you are age 50 or above byyear-end. The total amount of your contributions may not exceed the plan’slimit of up to 50% of pay, subject to the maximum annual IRS contributionlimits. Your combined pre-tax and Roth after-tax contributions are consideredfor the Company match.

No, amounts from an individual Roth IRA are not eligible to be rolled into the CMC Retirement Plan. However, Roth after-tax contributions made to a previous employer’s qualified 401(k) plan may be eligible to be rolled into the CMC Retirement Plan. If rolled over, the original date the Roth contributions began will be recognized by the CMC Retirement Plan.

Yes, you may convert vested pre-tax balances in your CMC account to Roth after-tax money through an In-Plan Roth Conversion.

You may withdraw Roth after-tax contributionsat age 59½ (a separate election is required) or upon termination of employment.Roth after-tax contributions would also be available for hardship withdrawals(regulated by IRS rules) and loans but they would be accessed after you’vetapped out all other available funds in the plan.

Yes. When you request an In-Plan Roth Conversion, your pre-tax balances will be re-classified in the plan as Roth after-tax balances. No money will be withheld for taxes or
distributed to you. However, you will be required to pay taxes. The conversion will be reported to the IRS as taxable income on Form 1099-R. You’ll need to identify income sources other than the CMC Retirement Plan to pay associated taxes. A loan or distribution from the plan cannot be used to cover the taxes unless you meet the plan’s normal conditions to do so.

CMC will match yourcontributions $1 for every $1 you save, up to 3%. Plus, 50¢ for every $1 yousave on the next 3% of your pay. That equals a total match of 4.5% of your payif you contribute 6%.

Yes, the Roth after-taxaccount requires minimum distributions after age 73 (or retirement if later).A Roth IRA does not require minimum distributions until after the death of theowner.

You can access your account at any time at MillimanBenefits.com and follow the prompts to log in.

You may elect a beneficiary on MillimanBenefits.com. Click on “Beneficiaries,” and provide the required information (Social Security number and date of birth) for those you designate.

The main difference in the two contributiontypes boils down to when you pay taxes. Pre-tax contributions are deducted fromyour pay before income taxes are withheld. Roth after-tax contributions arededucted from your pay after income taxes are withheld. When it’s time towithdraw money from your Roth after-tax account, the earnings will bedistributed tax-free if withdrawn as part of a qualified distribution.

Neither. The match willbe deposited into a separate “match” account and is considered pre-tax moneyfor taxation purposes.

The match is based on your totalcontributions. You will receive the full match of 4.5% if you contribute atleast 6% of your eligible compensation. This can be made up of any combinationof pre-tax and Roth after-tax contributions. In this example, since the total contribution for both youraccounts is 8%, you would receive the full 4.5% match.

Yes, the Company match and any earningson the match are all considered pre-tax income. The distribution is taxable theyear in which you receive a taxable distribution.

Yes, you may change your investment elections at any time by logging into your account on  MillimanBenefits.com.

There are two options available to you, which represent a wide variety of investment options:

• Vanguard Target Date Funds: Target Date funds are designed to take the confusion out of investing. They provide diversified investment mixes based on expected retirement dates and automatically shift to a more conservative blend as you near your target retirement date.
• Custom Investment Portfolio: You design your own asset allocation. You may choose to invest in any combination of the Plan’s investment options, which represent a broad range of risk and return characteristics within various asset classes. To view the full investment lineup, log in to MillimanBenefits.com.
  

If you’re automatically enrolled in the Retirement Plan, your account will be invested in the Vanguard Target Retirement Fund that most closely aligns with your normal retirement date (defined in the Plan as age 65).

Inaddition to the Company match, each year CMC may elect to make a discretionarySupplemental Contribution to the plan. The Supplemental Contribution amount, ifany, will be determined and authorized by the Board of Directors of CommercialMetals Companies each Plan Year.

Your portion of any Supplemental Contribution willbe based on your basic compensation. You must have been employed on the lastday of the Plan Year (8/31) to be eligible to receive the SupplementalContribution.

Unless you elect to not contribute to the Retirement Plan, 6% of your pay will be automatically deducted from each paycheck on a pre-tax basis and contributed to your account. These automatic deductions will begin 31 days after you are eligible to participate in the plan. If you are automatically enrolled in the Plan, your pre-tax contribution rate will increase by 1% every September 1 until your deferral percentage reaches 8%. You may elect to increase, decrease or stop your deferrals at any time on www.MillimanBenefits.com.

To receive a qualified distribution from your Roth after-tax account in the Retirement Plan, you must:

• Keep your contribution in the Roth after-tax account for at least five years from the date of the first contribution, and
• Receive your distribution after age 59½, or due to death or disability.
  

You may save from 1% to 50% of your pay (up to IRS limits).

Vesting is the accrual of ownership in theCompany match and any discretionary contributions CMC makes to your account(Supplemental Contributions). You are always 100% vested in the value of yourown contributions, and you are 100% vested in the Company match and SupplementalContributions after 2 years of service.

There are two types of contributions you can make to the plan – pre-tax (traditional 401(k) contributions) or Roth after-tax. Additional information about Roth after-tax contributions can be found later in these FAQs.

You are eligible tostart participating on the first of the month after 30 days of employment.

You will have two options,the Premium Plan and the Basic Plan.

No. You will notreceive a Dental ID card for dental coverage from Delta Dental. When you go tothe dentist to receive services, they will ask you questions to verifycoverage. The group number is 5838.

No. You will not receive a Vision ID card for vision coverage from VSP. When you go to the eye doctor to receive services, they will ask you some questions to verify coverage. The group number is 12247388.

Yes. You can use your FSA funds to pay for eligible expenses for anyone you claim as a dependent on your taxes. Your dependent does not need to be enrolled in a CMC health care plan. For more information about how FSAs work, go to https://www.irs.gov/pub/irs-pdf/p969.pdf.

Yes, the account can be used to pay for eligible expenses for you or your eligible dependents.  

Yes.

If you wish to participate in an FSA, you'll enroll during your open enrollment period. Per IRS rules, you must elect an FSA contribution amount each year you participate.

Reimbursements are received via CMC payroll. Once claims are processed and approved, reimbursement payments will be processed in the next 1-2 available payroll cycles. Note: Reimbursements are treated as taxable income and subject to 401k deferralsl. Re

Things like fitness/nutritional memberships/classes, student loan reimbursement, fishing/hunting license, and pet care are considered eligible expenses. Log in to your account at www.HealthEquity.com/ (select WageWorks if prompted) for a complete list.

CMC offers two different FSAs – the Health Care FSA and the Dependent Care FSA. The Health Care FSA is used to reimburse you for eligible medical, dental, vision and prescription drug expenses for yourself, your spouse and your dependent child(ren).

The Dependent Day Care FSA is used to reimburse you for eligible out-of-pocket child or adult dependent day care expenses. Note that dependent medical expenses ARE NOT eligible for reimbursement.

For the Health Care FSA, you can use up to your full election on Jan. 1.

For the Dependent Care FSA, you can use only the amount that is currently in your account. If there is not enough money in your account, you will have to pay for the service out of pocket.

Contributions are deposited into your account with each paycheck. For the Health Care FSA, you will receive a debit card you can use to pay for services, or you can file a claim. For the Dependent Care FSA, you file a claim to be reimbursed. For more information on filing claims, go to https://healthequity.com/ (select WageWorks if prompted).

All benefits-eligible employees may elect the FSA, regardless of whether they enroll for medical coverage with CMC or waive coverage.

All benefits-eligible employees may elect the FSA, regardless of whether they enroll for medical coverage with CMC or waive coverage.

All benefits eligible employees are eligible for this benefit, regardless of enrollment status.

Yes, you may purchase additional life insurance and AD&D coverage for yourself, your spouse and your child(ren). Certain maximums apply.

See the 2024 Benefits Guide for more information..

You will be asked to name your beneficiaries when you enroll for benefits. You are automatically named the beneficiary of your dependents’ life insurance coverage. Be sure to update your beneficiaries when necessary. You can update your beneficiaries at any time through the Benefits website at cmcbenefits.bswift.com or contact Employee Services at 877.262.8050 for assistance.

Lincoln Financial is the carrier for Life and AD&D Insurance. The group number is 09-466376.

Yes. CMC provides coverage at no cost to you in the amount of two times your annual base pay for both Basic Life and AD&D.

No, copays do not apply to the deductible.

Yes, copays do apply to the out-of-pocket maximum.

The BCBS employee premium structure will include a minimum or maximum contribution or a percentage of annual base pay.
• The minimum contribution structure will apply to employees whose annual base pay is less than $65,000.
• The maximum contribution structure will apply to employees whose annual base pay is $145,000 and over.
• The percentage of pay structure will apply to all employees whose annual base pay is between $65,000 and under $145,000.

Go to the benefit website cmcbenefits.bswift.com to see your rate.
Note:
• Current employees – Your premiums are based off of your annual base pay as of September 1.
• New hires – Your premiums are based off of your hire date if you were hired after September 1.

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When you enroll, you willneed to indicate if you (and your spouse, if applicable) are a tobacco user ornon-tobacco user by checking the appropriate box for you and your spouse. Ifyou use tobacco, you pay a $75 per month/per person surcharge.

Remember, while CMC uses thehonor system for certification, misrepresenting your tobacco status can lead todisciplinary action.

See "What is the surcharge?" in the Wellness FAQs.

The family deductible can be met by three OR a combination of covered family members. When only two members are covered (Employee + Child coverage or Employee + Spouse coverage) benefits will be paid on an individual level. Once the individual deductible has been satisfied, co-insurance applies.

The family OOP max can be met by three OR a combination of covered family members. The deductible and co-pays and/or co-insurance applies to the OOP max.  When only two members are covered (Employee + Child coverage or Employee + Spouse coverage) benefits will be paid on an individual level. Once the individual OOP max has been met, claims will be paid at 100%.

The out-of-pocket maximum is the most you will pay out of your own pocket for covered expenses in a year. Once you reach the out-of-pocket maximum, the medical plan pays for all covered services for the rest of the year. The out-of-pocket maximum does not include premiums or services the plan does not cover.

CMC offers one medical plan, the BCBS PPO.

The plan features low copays to encourage you to seek care when you need it:

• Primary care visit: $25
• Specialist visit: $40
• Urgent care: $40
• Emergency Room: 20% plus $300 copay
• Labs/X-ray in doctor’s office: Included in office visit copay

The plan deductible is $800 for individual coverage and $2,400 for family coverage. The out-of-pocket maximum is $9,000 for individual coverage and $18,000 for family coverage.

Read your 2024 Benefits Guide for more information.

Blue Cross Blue Shield (BCBS) administers the BCBS PPO. BCBS offers a nationwide network of providers. To find a doctor in the BCBS network, visit bcbstx.com and click on “Find a Doctor or Hospital".

You and your covered spouse enrolled in the BCBS Medical Plan will be required to complete an annual physical by December 31, to avoid the surcharge.

Pharmacies will generally give you a generic drug, unless your doctor has asked for a specific brand-name drug. If your doctor has prescribed a brand-name drug (either preferred or non-preferred) when a generic is available, you will pay the difference in cost between the brand-name and generic drug.

The medical plan covers certain preventive medications you take on an ongoing basis at 100%. When filling other prescriptions, you will pay a flat copay. The exception is for specialty drugs, for which you pay 20% of the cost to a maximum of $250 per prescription.

Please see the 2024 Benefits Guide for more information.

To help you save money on prescription costs, ask your doctor if there is a generic alternative that would work for you. If a generic equivalent exists, but you are prescribed a brand-name drug (either preferred or non-preferred), you will have to pay the difference in cost between the brand-name drug and the generic drug. If your doctor writes “DAW” or “Dispense as written” on your prescription, then you will only have to pay the copay and will not have to pay the difference in cost between the brand name and generic drug.

Yes, generic drugs cost less! However, if you choose to purchase a brand-name drug instead of a generic alternative when one is available, you will be responsible for the difference in cost between the brand-name and the generic, in addition to the brand name copay (or coinsurance for specialty drugs).

Short Term Disability provides income replacement if you miss seven or more consecutive days of work due to an approved illness, injury or pregnancy. Weekly benefits start after seven days of absence and may continue for up to 26 weeks.See the 2024 Benefits Guide for the schedule of benefits paid under the coverage.

CMC provides company-paid Short Term Disability (STD) and Long Term Disability (LTD) coverage at no cost to you.

Yes, MDLIVE can be accessed on most mobile devices with an Internet connection. The MDLIVE Mobile App is available for download in the iTunes Store and the Google Play Store.

System requirements for MDLIVE videoconferencing are:

• Windows®7, Vista, or XP

• A Mac running OSX 10.6 (Snow Leopard) or superior

• Highspeed internet connection

• A webcam with at least 1.3 megapixels

• Microphone (most webcams already have microphone built in)

Keep in mind, Telehealth requirements vary by state. You can talk to a doctor by phone or you can use a computer or smartphone for video conferencing.

NOTE: If you access MDLIVE.com/bcbstx while using a CMC device, your location will be determined by CMC servers and may be incorrect. Be sure to confirm your current location when prompted upon logging in to MDLIVE.

Yes. If you’re out of state, you’ll be treated by a physician who is licensed in the state where you’re located at that time. NOTE: MDLIVE is not available outside of the U.S.

Individuals between 0 and 17 years old must have a parent or legal guardian present during the virtual visit. If your child is 18 or older and has their own MDLIVE account, you cannot access their account unless your child authorizes you to do so.

Yes, everyone in your family, regardless of age, will need to register with MDLIVE.

NOTE: For HIPAA purposes, any dependents age 18 and under will need a parent or legal guardian with them during an MDLIVE consultation.

Click here for registration instructions.

Once you're registered, you can schedule a visit via:Computer at https://members.mdlive.com/bcbstx MDLIVE app on your smartphoneBy calling MDLIVE at 888-680-8646Logging in through Blue Access for Members (BAM). To schedule a visit, you will need to: Confirm your location and the type of doctor you want to visit. Then, choose a doctor and an appointment time. Provide a short explanation of the reason for your visit and fill out a brief medical history, if you haven’t already. (Depending on the reason for your visit, you may need to take and upload a photo for the doctor prior to your visit for rashes, skin infections, pink eye, etc.) Choose a pharmacy (make sure it’s in-network!) close to your current location in the event you need a prescription. Confirm the appointment. NOTE: If you access https://members.mdlive.com/bcbstx while using a CMC device, your location will be determined by CMC servers and may be incorrect. Be sure to confirm your current location when prompted upon logging in to MDLIVE. 

Behavioral Health can be scheduled 24/7, but consultations are conducted by appointment only. Average availability for all Behavioral Health provider types is less than one week. This scheduling is done in the same format as requesting or scheduling a medical visit. Behavioral Health visits must be conducted by video consult through computer, smart phone, or tablet.

For participants and dependents covered by the BCBS plan, your visit is FREE. If you receive a prescription, the regular copay applies. NOTE: If you schedule a visit online, be sure to use MDLIVE.com/bcbstx to ensure your visit is covered by CMC’s plan (if you use the main MDLIVE.com URL without “/bcbstx”, you may be charged a copay).

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Yes, you can access MDLIVE in English and Spanish. Once you’ve logged in to the patient portal, you can switch languages in the top right corner by your name.

Use MDLIVE for non-emergency medical and mental health issues such as allergies, asthma, depression, cold/flu, grief and loss, parenting issues, pink eye, rash, sinus infections, stress/anxiety, substance abuse, relationship issues and more! 

You elect coverage during your enrollment period, and your premiums are deducted from your paycheck, just like for your other health insurance benefits. If you experience a covered illness, injury or hospital admission during the year, you file a claim. Payment is made directly to you to spend on whatever you need (e.g., hospital bills, groceries, household bills).

Reimbursement generally takes7-14 days from the time you submit the claim online or by fax Pleaseallow additional time for reimbursement if claims aremailed. Reimbursement may take longer if information is missing from yoursubmission.

The policy number is 0070288-9.

You can submit an annual physical exam, biometric screening, age-appropriate services such as mammogram, colonoscopy, well woman exam, etc., hearing screening, vision screening and dental cleaning.

Voluntary benefits, like Critical Illness, Accident Insurance and Hospital Indemnity, supplement your medical insurance by helping you pay your out-of-pocket expenses if you suffer a serious illness or accident, or are admitted to the hospital. These voluntary benefits do not replace your medical plan.

We want to encourage employees to seek medical care when they need it. Voluntary benefits help pay for out-of-pocket expenses for certain illnesses and accidents, helping to remove another barrier to seeking care.

No. If you get an annual physical at an out-of-network doctor your annual physical will still count and you will not pay the surcharge. However, if you go to an out-of-network doctor, you will pay the full cost of the visit. CMC does not cover out-of-network annual physicals.

You are not required to get an annual physical, as you do not pay premiums to CMC. However, because CMC cares about health, we encourage all employees and their spouses to get an annual physical every year.

If you do not complete an annual physical by December 31, you will pay a $50 surcharge per month in the following year. This is also true for your covered spouse enrolled in the BCBS PPO Plan. See the Surcharge questions below for more information.

That part of the visit may not be covered at 100%.

In order for the blood work or tests to be covered at 100% by CMC, you will need to verify that the facility and services performed are in-network and are coded as part of the annual physical.

The deadline to receive standard rates for the following year is December 31.

The surcharge is $50 per month per employee and spouse. This means that if you cover your spouse you BOTH will pay a $50 per month surcharge if you do not get your annual physical. Here is how it works:

IF...

You DO NOT Cover a Spouse and …

• You get your annual physical. THEN... You will not pay a surcharge.
• You do not get your annual physical. THEN... You will pay a $50 per month surcharge.

You DO Cover a Spouse and …

• Both of you get an annual physical. THEN… You will not pay a surcharge.
• Neither of you get an annual physical. THEN... You will each pay a $50 per month surcharge (for a total of $100 per month)
• Only you get an annual physical. THEN... You will pay a $50 per month surcharge for just your spouse.
• Only your spouse gets an annual physical. THEN... You will pay a $50 per month surcharge for just you.
  

Tell your doctor that you are making an appointment for an annual physical exam.

Annual physicals provide a more complete picture of your health, and you are more likely to follow up on any health concerns or conditions while at your doctor’s office. In addition, getting an annual physical each year helps you establish a long-term relationship with your doctor.