US Benefits | AXA Partners

		AXA Partners US - Benefits at A Glance
		2025
We value your contributions to our success and want to provide you with a benefits package that protects your health and helps your financial security, now and in the future. We continually look for valuable benefits that support your needs, whether you are single, married, raising a family, or thinking ahead to retirement. We are committed to giving you the resources you need to understand your options and how your choices could affect you financially.
*In general, permanent employees working 20 or more hours per week are eligible for the benefits outlined in this overview.
Benefit			Feature	Plan Provisions
	Medical & Prescription Eligible Immediately		Medical Cigna OAP Network	Employees have a choice of electing coverage from three different Cigna Medical plans regardless of electing Dental or Vision coverage. (See Cigna Medical plan comparisons for details.) POS Plan— Highest benefit coverage at the time of service/Highest cost plan through payroll deductions. In-Network/Out-of-Network. EPO Plus — Intermediate benefit coverage at the time of service/Intermediate cost plan through payroll deductions. In-network Only. (HRA is available when enrolled in the Cigna EPO Plus Plan - See below). High Deductible Health Plan (HDHP)— Comprehensive benefit coverage at the time of service/Lowest cost plan through payroll deductions. (HSA is available when enrolled in the HDHP Plan - See below).
			Prescription Drugs	Prescription coverage is automatically included with coverage under any Cigna Medical plan elected. Prescription coverage and out of pocket prescription costs are based on the Cigna Medical plan election. Cost of prescription coverage is included in the cost of medical coverage through payroll deductions.
	Dental & Vision Eligible Immediately		Dental DPPO Network	Employees have a choice of electing coverage from two different Cigna Dental plans regardless of electing Medical coverage. Premier Plan — Higher benefit coverage at the time of service/Higher cost plan through payroll deductions. Core Plan — Comprehensive benefit coverage at the time of service/Lower cost plan through payroll deductions. (See Cigna Dental plan comparisons for details.)
			Vision EyeMed Network	Employees have a choice to elect Vision coverage regardless of electing Medical or Dental coverage. Preventive — $10 copay/1 exam per year Lenses — $25 copay/1 set per year Frames — Reimbursement up to $130/1 pair per year Contact Lenses (instead of frames) — Reimbursement up to $130 per year
	Flexible Spending Accounts Eligible Immediately		Health Care and Dependent Care Flexible Spending Accounts (FSA)	Employees may contribute up to the IRS limit of $3,300 pre-tax annually to a Health Care Flexible Spending Account (HCFSA) to use for reimbursement of IRS eligible health care expenses for themselves and eligible family members. Employees may contribute up to the IRS limit of $5,000 pre-tax annually to a Dependent Care Flexible Spending Account (DCFSA) to use for reimbursement of IRS eligible dependent care expenses for themselves and eligible family members. Your FSA election amount is available “day one” of your plan year. FSA funds do not carry over.
	Health Savings Account (HSA) Eligible Immediately		Health Savings Account (HSA)	A Health Savings Account (HSA) is a pre-tax-advantaged Medical savings account available to employees enrolled in the High Deductible Health Plan (HDHP). The Annual IRS employee contribution limit (through pre-tax payroll deductions) is $4,300 for employee only Medical coverage or $8,550 for family Medical coverage. Employees over age 55 may contribute an additional annual amount of $1,000 to their HSA account during the Medical plan year through pre-tax payroll deductions. AXA Partners US contributes $1,000 for employee only coverage and $2,000 for all other tiers of coverage. HSA funds do carry over.
	Health Reimbursement Account (HRA) Eligible Immediately		Health Reimbursement Account (HRA)	A Health Reimbursement Account (HRA) is a reimbursement account available to employees enrolled in the Cigna EPO Plus Medical plan. An HRA account is automatically set up on behalf of enrolled employees. Employees can use their account to be reimbursed for eligible health care expenses incurred that apply towards their annual deductible limit.
	401(k) Plan Eligible Immediately: See automatic enrollment details.		Employee Contributions	Newly hired employees are automatically enrolled at 3% before-tax contributions on the 1st day of the month following their hire date. However, deferrals may take 30-45 business days to occur. Automatic Deferral Percentage will increase by 1% per year up to a maximum of 6% of compensation.
			Employer Match	Employer provides a 50% per dollar match up to 6% employee deferral per pay period up to IRS annual maximum limits. If the employee contributes 6%, the employer matches 3%.
			Investment Options	There are more than 100 investment funds to choose from which provide different risks and returns. The QDIA default investment allocation is a Target Date fund based on age of participant.
			Loans & Withdrawals	Employees can borrow or withdraw funds within certain limitations (subject to IRS and plan rules).
			Vesting	Employee contributions are always 100% vested. Employer contribution (employer match) amounts are fully vested after 3 years of service.
	AXA Partners Shareplan Eligible if hired after June 1st of the previous calendar year		Stock Purchasing Program	Shareplan offers eligible employees AXA shares at a discounted price and a variety of investment options. Subscription into the AXA Shareplan is available once a year.

		AXA Partners US - Benefits At A Glance
		2025
	Benefit			Feature	Plan Provisions
			Disability Plans Eligible Immediately	Short-Term Disability	Company-provided benefit: Benefits begin on the first day for an accidental injury and the 8th day for an illness (including maternity). The benefit is 66.67% of your eligible pay up to $1,000 per week. The plan pays for a maximum of 13 weeks including the waiting period for illness (including maternity).
				Long-Term Disability	Company-provided benefit: Employees who remain disabled and unable to work beyond 13 weeks of qualified Short-Term Disability (STD) and are approved for Long-Term Disability (LTD) benefits by the plan, are eligible to receive 60% of your monthly eligible compensation up to $6,000 per month. Benefits may continue up to the Social Security Normal Retirement age if the qualified disability continues.
			Life Insurance Plan Eligible Immediately	Basic Group Term Life	Company-provided benefit: Basic group term life insurance and accidental death and dismemberment (AD&D) coverage based on 2X eligible compensation up to $500,000.
				Supplemental Group Term Life	Employees can purchase additional group term life coverage for themselves and eligible dependents.
	Paid Time Off		Paid Time Off Eligible after 90 days of service	Paid Time Off (PTO)	Full-Time Employees begin employment with an annual accrual of 20 days of PTO. After completing 3 years of employment, PTO increases with an annual maximum of 25 days after 6 years of seniority. Employees are also eligible for a day of Birthday PTO each year and a Floating Holiday which may be used for religious or cultural holidays not observed by AXA Partners US.
			Paid Holidays Eligible Immediately	Paid Holidays	8 paid company holidays include: New Year’s Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, Day after Thanksgiving, Christmas Eve, Christmas Day.
			Parental Leave Eligible after 1 year of service	Benefit for New Parents	Maximum of 16 consecutive weeks of paid time off for Primary Parents and up to a maximum of 8 consecutive weeks of paid time off for Co-Parents/Non-Primary Parents at 100% of the eligible employee’s bi-weekly base pay to be taken by the eligible parent, regardless of gender, because of a childbirth or an adoption of a child under the age of 18.
	Other Programs		Gym Program Eligible Immediately	Health Club	Chicago & Miami office-provided benefit only: The one-time $50 Health Club Fee will be paid for all eligible AXA employee’s working in the Prudential building and 255 Alhambra.
			Parking Garage Discounts Eligible Immediately	Parking Garage Discounts	Reserve your parking spot at Prudential Plaza-Garage (398 East Lake Street) with Park Chirp for a discounted price (between $12 and $16/day depending on days & number of hours you book)
			Commuter and Parking Program Eligible Immediately	Parking and Public Transportation	Employees may set aside up to $315 per month of pre-tax contributions through payroll to reimburse for IRS qualified commuting and/or parking expenses.
			Cigna Health Program Discounts Eligible Immediately	Health & Wellness Discounts	Through Cigna, employees have access to health and wellness discounts exclusive to Cigna members. More information available in 2024.
			Employee Assistance Program Eligible Immediately	Counseling ^and topics Referral Services	Professional counselors are available 24 hours a day, 7 days a week to provide employees and families with assistance on a broad range of (marriage, relationship and family problems, legal and financial issues, stress, and anxiety, etc.) Employees and family members are eligible to receive 5 consultations with a licensed clinician per issue, per individual, per calendar year.
			Tuition Reimbursement Program Eligible after 1 year of service	Tuition Reimbursement	Reimbursement for job related educational courses. Maximum dollar amount for reimbursement is $1,300 for Certification programs or $2,000 for Undergraduate, Graduate, Masters and PHD courses annually.
	Vendor Phone Website
	Contacts		Medical \| Cigna Dental \| Cigna Vision \| Cigna Life \| MetLife Disability \| MetLife Commuter \| HealthEquity FSA \| HealthEquity HRA \| HealthEquity HSA \| Optum Bank EAP \| MetLife 401k \| Empower	1 (800) 244 6224 1 (800) 244 6224 1 (800) 244 6224 1 (800) 638 6420 1 (800) 858 6506 1 (877) 924 3967 1 (877) 924 3967 1 (877) 924 3967 1 (866) 234 8913 1 (888) 319 7819 1 (800) 338 4015	www.mycigna.com www.mycigna.com www.mycigna.com www.metlife.com www.metlife.com www.wageworks.com www.wageworks.com www.wageworks.com www.optumbank.com https://metlifeeap.lifeworks.com/user name: metlifeeap password: eap https://www.empower-retirement.com
The information in this chart is a summary of the company’s employee benefit plans and certain other programs maintained for company personnel. More information can be found in the AXA Partners US Employee Benefits Overview Guide and the benefit summary plan descriptions available to all eligible employees. Full details are contained in the legal documents governing each benefit plan. If there is any discrepancy or conflict between the plan documents and the information presented here, the plan documents will govern. The company always reserves the unrestricted right to modify, amend or terminate the plans at any time and for any reason in whole or in part. Accordingly, and without limitation, nothing in this chart should be construed as, and participation in the plans should not be considered, a promise or guarantee of future benefits or of any level or number of benefits. In addition, nothing in this chart nor participation in the plans is an employment contract or an offer, promise or guarantee of employment or contract for any duration.

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