Employee Benefits May Include the following:

401k, Pension, Retirement, Retiree, Health Insurance, Medical, Vision, Dental, IRA, Competitive Base Pay, Quarterly Bonus, Paid Time Off, Weekly Pay, Medical, Dental, Vision, Insurance, Health Savings Account, Flexible Spending Accounts, Short-Term and Long-Term Disability, Paid Family Medical Leave, Bereavement, Jury Duty and Parental Leave, Life, Dependent and Accident Insurance, Critical Illness Insurance, Savings Plan 401(k), Company Paid Retirement Benefit, Employee Stock Purchase Plan, Paid Holidays, Flexible Spending Accounts (FSAs), Health Savings Account (HSA), Time Off and Flexible Days, Group Legal Plan, Group Home Auto Insurance, Pet Insurance, Employee Discounts, Adoption Reimbursement, Tuition Reimbursement and Student Loans, Well-Being Programs, etc…

What benefits are offered to employees?

Quick Summary of Possible Benefits:

• Medical
• Prescription
• Dental
• Vision
• 401K Retirement Savings Plan
• Health Savings Account – HSA
• Profit Sharing
• Medical/Dental/Life Insurance
• Flexible Spending Account – FSA
• Pension Plan
• Long-Term Disability (LTD)
• Short-Term Disability (STD)/Salary Continuation
• Employee Stock Purchase Plan
• Basic Life and Accidental Death and Dismemberment (AD&D) Insurance
• Optional Employee Life Insurance

Additional Perks / Benefits :

• The Employee Assistance Program (EAP)
  • Allowed Up to eight face-to-face visits per issue, per year, at no cost to you
  • The Counselors are available 24 hours a day, 7 days a week, 365 days per year
  • Both clinical and non-clinical services are provided, including consultations and referrals for family services, health and wellness, emotional well-being and daily living
  • Online services such as interactive physical and emotional health assessments, resource articles and “best of the Web” links
• Development Programs
  • Global Engineering
  • Finance
  • Manufacturing
  • Marketing and Sales
• Wellness
• Education
• Additional Resources

Your Benefits Resources (YBR) Website:

The YBR Web site is available 24 hours a day, seven days a week.

YBR provides information, tools and calculators to
help you:

• Learn how your benefit plans work.
• Understand the expenses and services that your options cover.
• Build your own medical plan, selecting from various coverage options.
• Compare health care and insurance options.
• Estimate your out-of-pocket costs for your medical options.
• Search for doctors, dentists, and eye doctors online using the criteria you enter.
• Choose or change your beneficiary(ies).
• Estimate your need for:
  • Life and long-term disability insurance coverage; and
  • A health care and/or dependent care spending account.
• Get answers to questions about your benefits. Use the “Contact Us” link on the site to send a secure question to a Customer Service Representative.

Information on your health and welfare, 401(k), pension and FSA benefits. For example:

Health and welfare

• View your current health and welfare benefits coverage
• Make enrollment decisions

401(k)

• View your current 401(k) balance and change contributions
• Make fund transfer and investment election changes

Pension

• If you are eligible for a pension benefit:
  • View your pension information
  • Project your pension income
  • Start your pension
  • Make beneficiary designations and changes (if applicable)

FSA

• Manage your FSA(s)

General Tasks:

• Request a new User ID and password or change your existing User ID and password
• Learn more about your benefits
• Review, add or change your dependent or beneficiary information on file (if applicable)
• Understand how a Life Event may affect your benefits

Current Employees – Login / Sign in:

• Go to the following webpage: www.ybr.com/cummins
• Provide your: User ID & Password
• Click on the button titled: Log On

New Employees – Register / Enroll:

• Go to the following webpage: www.yourbenefitsresources.com/cummins
• Find and click on the link titled: Are you a new user?
• Enter Your Personal Identification Information: Last 4 Digits of your SSN & Date of Birth
• Click on the button titled: Continue
• Look for the “Completed Successfully” message to be sure your enrollment is complete. If you need help, Customer Service Representatives can answer your questions or help you enroll at the phone number provided at the beginning of this article.

New / Current Employees – Access to MyWellBeing:

• Go to the following webpage: mywellbeing.cummins.com
• Find and click on the link you need.

ENROLLMENT

If you enroll within your first 31 days of hire, your coverage becomes effective on your first day. If you do not enroll within your first 31 days of hire, you will need to wait to enroll until the next annual open enrollment, unless you experience a qualified coverage change event (new baby, marriage, divorce, etc.). Go to Your Benefit Resources to enroll. See above.