• Summary Plan Descriptions;
• Summaries of Material Modifications;
• Summary Annual Reports and/or;
• Summary of Benefit and Coverages;
• All health and welfare benefits Notices and any Notice a similarly situated employee would consider to be related to employee benefits.

For the purpose of this agreement, a Notice is any document, disclosure, policy, procedure, form or other written material required to comply with federal, state, or a governmental safety or regulatory body and any disclosure provided by my company to comply with any of the aforementioned requirements or to communicate company or employment specific information to me.
2.  I may revoke my consent to receive notices electronically at any time without charge by sending an email or written request to Human Resources or the BKS Employee Care Center (mybenefits@bks-partners.com).  how do I contact “Human Resources”?

3.  I am entitled to request and obtain a paper copy of any electronically furnished document free of charge by sending an email or written request to Human Resources or the BKS Employee Care Center (mybenefits@bks-partners.com).  how do I contact “Human Resources”?

4.  In order to access information provided electronically, I must have:

• A computer with internet access;
• An email account that allows me to send and receive emails; and
• Microsoft Word and/or Adobe Acrobat Reader Program.  not just any program that can read PDF documents? really?
  

I authorize my employer to send notices electronically and agree to accept the delivery of notices via email as well as the requirements to view notices on this portal. Contact Human Resources or the BKS Employee Care Center with any questions.

• In lieu of specific dollar amounts, I hereby elect the specified insurance coverage’s and authorize salary redirection in the amounts of current premiums being charged.  i.e., I have no idea how much money I’m agreeing to let you take out of my paycheck.
• If my required contributions to pay premiums for the elected benefits are increased or decreased while this agreement remains in effect, my compensation redirection will automatically be adjusted to reflect the increase or decrease.  i.e., I’m giving you permission to change the amount of money you take out of my pacheck whenever you want to, without my consent.
• I cannot change or revoke any of my elections or this compensation redirection agreement at any time during the plan year [emphasis mine] unless I have a “change in status” and the election change is consistent with the “change in status”, (including marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of employment of a spouse, change in my or my spouse’s employment status from full-time to part-time or from part-time to full-time, my spouse or I taking an unpaid leave of absence, a substantial change in my family’s health coverage due to a change in my spouse’s employer-sponsored health coverage, obtaining coverage on the Marketplace, reduction in hours where I voluntarily elect to seek coverage on the Marketplace, or such other events as the Plan Administrator determines will permit a change or revocation of an election).  i.e., I’m locked in to this commitment for a year unless there’s a major upset in my life or you decide to let me do something different.
• The Plan Administrator may redirect or cancel my compensation redirection or otherwise modify this agreement in the event he/she believes it advisable in order to satisfy certain provisions of the Internal Revenue Code.  i.e., I’m giving you permission to change this agreement, at whim and without my consent, as long as you are working in collusion with the IRS.
• The redirection in my cash compensation under this agreement shall be in addition to any reductions under other agreements or benefit programs maintained by my Employer.
• Any amounts not used during a Plan Year to provide benefits will be forfeited and may not be paid to me in cash or used to provide benefits specifically for me in a later Plan Year.  i.e., if you take more from my paycheck than you use to pay for my insurance coverage, that’s “too bad” for me, you get to keep the money for your own benefit.
• Prior to the first day of each Plan Year, I will be offered the opportunity to change my benefit elections for the following Plan Year. If I do not make a new election at that time, I will be treated as having not elected to continue my benefit elections for the new Plan Year.
• If disability insurance is paid for on a pre-tax basis, any benefits I receive may be taxable.  “may” be taxable?
• Upon retirement, my Social Security benefits may be slightly reduced.  i.e., “may” really means “will” because by taking the money from my paycheck before taxes, you are reducing my “taxable income” (which is what Social Security benefits are based on).

Electronic Signature and Consent

I agree that&nbsp;by using the e-signature feature on this website I am applying my electronic signature which is the legally binding equivalent to my handwritten signature. Whenever I execute an electronic signature, it has the same validity and meaning as my handwritten signature. I also agree that no certification authority or other third party verification is necessary to validate my e-signature.< span><br> I understand that: </span>< span><br> 1. The following documents and/or notices may be provided to me electronically:</span>< ul> <li>Summary Plan Descriptions;</li> <li>Summaries of Material Modifications;</li> <li>Summary Annual Reports and/or;</li> <li>Summary of Benefit and Coverages;</li> <li>All health and welfare benefits Notices and any Notice a similarly situated employee would consider to be related to employee benefits.</li>< /ul> For the purpose of this agreement, a Notice is any document, disclosure, policy, procedure, form or other written material required to comply with federal, state, or a governmental safety or regulatory body and any disclosure provided by my company to comply with any of the aforementioned requirements or to communicate company or employment specific information to me.< span>&nbsp;&nbsp;<br> 2. &nbsp;I may revoke my consent to receive notices electronically at any time without charge by sending an email or written request to Human Resources or the BKS Employee Care Center (mybenefits@bks-partners.com). &nbsp; <br>< br> 3. &nbsp;I am entitled to request and obtain a paper copy of any electronically furnished document free of charge by sending an email or written request to Human Resources or the BKS Employee Care Center (mybenefits@bks-partners.com).<br>< br> 4. &nbsp;In order to access information provided electronically, I must have:</span>< ul> <li>A computer with internet access;</li> <li>An email account that allows me to send and receive emails; and</li> <li>Microsoft Word and/or Adobe Acrobat Reader Program. &nbsp; &nbsp;</li>< /ul> I authorize my employer to send notices electronically and agree&nbsp;to accept the delivery of notices via email as well as the requirements to view notices on this portal. < span>Contact Human Resources or the BKS Employee Care Center with any questions.</span>

Premium Only Plan