Enroll Now in Your

Liberty Mutual
Insurance Benefits

Liberty Mutual offers a website, called Your Total Rewards, which lets you enroll from your home or other
non-work location. In addition to enrolling, you can use this site to review:

your benefit options;

the flex credits offered by Liberty;

your price tags;

your opportunities under the Thrift-Incentive (401(k) Savings) Plan;

information on Libertys Retirement Benefit (Pension) Plan; and,

summary plan descriptions which outline provisions for each plan.

Enrolling before or on your first day of work means that you will receive your health-care identification cards
promptly and you can take immediate advantage of the Companys 401(k) plan matching contributions.
If you dont have access to a computer or to the internet before you begin work, your manager will set aside
time for you on your first day of work.

To Get Started
Log onto: www.yourtotalrewards.com/libertymutual
Important: If you previously worked for Liberty Mutual, please see the section titled
For Returning Employees Only on page 4 for information on logging into the site.

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A Welcome! screen will appear.

Click on the link near the bottom of the screen Are you a new user?
On the Enter Your Personal Identification screen, enter:

The last four digits of your Social Security Number; and

Your Date of Birth

Then click Continue.

An Alert message then appears:

Since you are not yet in Liberty Gateway, Libertys HR Information System, click on the Register as a
New User link within the Alert message.

Enter your ID by entering and reentering your full Social Security Number (SSN) and clicking the
Continue button.
Then Register as a New User by entering:

First Name
Middle Initial
Last Name
Suffix (Sr., Jr., etc.)
Birth Date (mm-dd-yyyy)
Gender*
Hire Date (mm-dd-yyyy)
Pay Basis (Salaried or Hourly)*
Your Benefits Code*
Your Home Address

*For these items, click on the correct circle or radio button on the screen or select the appropriate code
from the drop down menu. After you enter this information, please click Continue. Please refer to your
Acceptance Letter for information needed for registering as a new user (e.g., pay basis, benefits code).
Note: Selecting the incorrect Benefits Code when registering will result in a delay in benefits.

On the Review Your Request screen, please review your personal information. It is very important to
verify your personal information. This ensures that Your Total Rewards shows you the right benefits
options and correct pay deductions. If you need to correct any information, click Change Your Request.
If the information is accurate, click Register as a New User.
After the site accepts your confirmed entries, create your User ID, Password and Hint, which you will use
to access the site going forward.

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H

Next, answer your Security Questions. The answers to these questions let you access the site
immediately if you ever forget your User ID.
The site may then provide you an option to Register This Computer. Select Yes or No.
After you click on the Enroll in Your Benefits link, please follow the enrollment steps on the website.

Helpful Hints For Enrolling in Your Total Rewards

Step 2 Hint: Provide information about your eligible family members under Step 2 if you plan to elect coverage for any
of them under the Medical, Dental and/or Vision Care Plans.
If you add a dependent, you will be asked to certify that the family member meets the dependent eligibility requirements
outlined in the summary plan description for each Plan (found in the Program Library tab on the task bar at the top of the
Your Total Rewards home page). If you enroll a Domestic Partner or a dependent child of a Domestic Partner, you must
complete an online affidavit confirming the individuals eligibility under the Liberty Mutual plans.
Step 6 Hint: Make your benefit elections by selecting the Enroll Now button. Youve made no elections yet, so the
screen is set to the automatic enrollment coverages (assigned coverages if you do not make electionssee the If You
Dont Enroll section later in this brochure).
Click on the View/Change button next to each plan to see the available options. These include the flex credits provided
by the Company (if applicable) and the price tags for each option.
Choose an option, even if it is No Coverage, by clicking on the radio button or circle, next to the options name.
Follow these steps for each of the plans. Please be sure to select each dependent you want covered as you enroll in
each option.

Want to see each plans coverage information? Want to know more about how the plan works?
Refer to the Need Help? Try These Online Tool Kits section later in this brochure.

For Returning Employees Only

If you previously worked for Liberty Mutual, you log onto the Your Total Rewards website in a slightly different way.
Please review the information below carefully.
Log onto: www.yourtotalrewards.com/libertymutual

On the Welcome screen, enter your User ID and Password.* You may be prompted to create a new password
with at least 8 characters. If you left Liberty before User IDs replaced Social Security numbers, please select
create your user ID, located in the top Alert message. Follow the prompts to set up a User ID.

Next, you will see the Home Page screen on the Your Total Rewards website. Click the Review and Take
Action button on the right-side of the screen. On the next screen, under the Savings and Retirement tab, select
the rehire link. This link is located under the overview section. The rehire link takes you directly to your rehire
enrollment link. Then, enter the following information:

After you click Continue, you can review your request, then click the Register as a New User button. Youll
see a Completed Successfully screen. Click Continue to move into the new hire enrollment.

Hire Date
Annual Salary
Benefit Code (found in the Onboarding portal Your Total Rewards screen)
Home Address

*If you dont remember your User ID or password, click on Forgot User ID or Password. Follow the onsite prompts.
If that doesnt help, call Benefits Express at 1-800-758-4460 for assistance. Representatives are available Monday
through Friday, 9:00 a.m. - 5:00 p.m., Eastern time.

Thrift-Incentive Plan Information for Rehired Employees

If you previously participated in TIP and are rehired on or before the first year anniversary of the date you
left Liberty, your contribution and investment elections will automatically resume as soon as administratively
possible. If you did not have elections in place at the time you left Liberty, you will be automatically enrolled at
6 percent of pay before-tax deductions, which will be invested in TIPs Qualified Default Investment Alternative
(QDIA), which is a Target-Date fund based on the number of years until your age-65 retirement date.

If you are rehired after the first year anniversary of the date you left Liberty, you can enroll by accessing the
Your Total Rewards site. If you dont enroll within the first 30 days, you will automatically be enrolled at 6
percent of pay before-tax deductions, which will be invested in TIPs Qualified Default Investment Alternative
(QDIA), which is the Target-Date fund based on the number of years until an age-65 retirement date.

In both cases, if you are automatically enrolled but do not wish to contribute to TIP, you may request a withdrawal
of your before-tax contributions, including any earnings and losses on those contributions. You must make this
election by calling Benefits Express at 1-800-758-4460 no later than 90 days after the first automatic contribution is
deducted from your pay. Please refer to the TIP summary plan description for additional details.

Finished With Your Flexible Benefits Enrollment?

After you enter all your information, click on the Complete Enrollment link. This saves your choices and completes
your Flexible Benefits Program enrollment.* Take a few minutes to review your choices, and make sure you made
accurate elections. You wont have another opportunity to make elections until the next annual enrollment unless
you experience a qualified change in status such as marriage or the birth/adoption of a child.
*If you elect Option 3 or Option 4 of the Spouse/Domestic Partner life insurance ($75,000 or $100,000 coverage)
you will be prompted to complete the online Evidence of Insurability (EOI) form during the enrollment process.
Once completed, this form will be sent directly to the Group Underwriting department of the Liberty Life Assurance
Company of Boston (Liberty Life). Until the form is approved, coverage is set at $25,000.

Note Your Coverage Effective Dates

Your benefit choices take effect after the Company receives your confirmed personal information, but actual
coverage takes effect on your date of hire.
The Company will mail a Confirmation of Enrollment to your home after we receive your confirmed personal
information. Make sure you make your elections as close to your first day of work as possible so you receive your
health-care identification cards within four weeks after the Company processes your elections.

Next Step: 401(k) Savings Enrollment

After you have confirmed your Flexible Benefits Program choices, the Enrollment Completed Successfully! Screen
will appear. To enroll in the 401(k) Plan:

Click on the Savings and Retirement tab at the top of the screen, then

Click Start Saving under the Contributions section.

Youll see that the automatic enrollment elections are shown. To change those contributions and/or investments:

Click Make Changes. Youll also have an opportunity to elect the automatic annual contribution percentage
increase feature.

Enter your contribution election (the percentage of pay you wish to contribute on a before-tax and/or after-tax
basis). Hint: To receive the maximum Company match, you need to contribute at least 6%.

Choose how to invest your contributions and your Company matching contributions among the investment
options. You can view detailed information from Lipper in the 401(k) Savings portion of the site. Click on the
Fund Prospectuses link, then on a fund name for information.

Decide if you want automatic rebalancing this can help maintain your long-term investment strategy.

Once youve made your investment decisions, click Submit. The Completed Successfully screen appears
when youve successfully entered your request.

Note: When making your before-tax contribution election, keep in mind that the annual before-tax limit applies to
all 401(k) plans you may have participated in during the calendar year.
Remember: Youre eligible to participate and receive the Company match immediately. Thats free money from
the Company on top of your savings.

Beneficiary Information
Before you complete your Thrift-Incentive Plan enrollment, make sure you enter your beneficiary information.
Should there be a future change, please update your beneficiary information in a timely manner.

Need Help? Try These Online Tool Kits

The Your Total Rewards websites decision-support tools can help you make benefit coverage decisions.
If you are looking for detailed specifics on each plan, visit the Program Library tab on the task bar at the top of the
Your Total Rewards home page. Youll be able to view the Summary Plan Description (SPD) for each plan.
The Enroll in Your Benefits section (for the Flexible Benefits Program) offers the following tools:

A Provider Lookup online tool allows you to access health plan provider information through a link on the Your
Total Rewards website. Just enter your personalized search criteria and youll see information on network
providers. You may search for a Medical, Dental or Vision Care provider.

Expense Estimators help you estimate appropriate life insurance coverage, and the amount you may elect to
contribute to a Flexible Spending Account.

Liberty Mutual also offers a number of programs designed to help you manage your health check out the
Quick Links on the Your Total Rewards home page. In addition, after your enrollment is processed, you will have
access to a number of sites such as the medical administrators, the Castlight Health cost and quality information
site, the myPersonal Best wellness portal, and the FSA administrator. Visit Your Total Rewards and link out to
these sites for helpful information in managing your health.
Need investment education and advice? Financial Engines can help. This online service can help you make
the most of your TIP savings and other tax-deferred investments. There are two components of Financial
Engines: Online Advice gives eligible employees with a TIP account balance objective, personal and ongoing
recommendations to improve the chance of reaching retirement goals, for no additional fees. Professional
Management is a fee-based service where your TIP account is managed by a Financial Engines professional.

Your Total Rewards Secure Mailbox

The Company will deliver most benefit forms directly to your secure mailbox on the Your Total Rewards website.
At the time you complete a transaction, the site will let you know if a form is required, and how you will receive it.

If You Dont Enroll

Flexible Benefits Program
We encourage you to make your elections before or on your first day of employment, so that the health-care plans
can be notified as soon as possible of your enrollment, and retroactive paycheck deductions can be minimized.
If you delay your enrollment and do not submit your elections within 30 days of your date of hire, you will be
enrolled automatically in the following:
Plan

Coverage

Medical

Employee only coverage in the Medical plan. Your home zip code determines your
claims administrator. Your Base Pay determines your plan design (A, B or C).

Dental

No coverage

Vision Care

No coverage

Long-Term Disability

40% of Pay

Employee Life Insurance*

$10,000

Accidental Death & Dismemberment

Insurance

No coverage

Spouse/Domestic Partner Life Insurance

No coverage

Child Life Insurance

No coverage

Flexible Spending Accounts

No contributions

*You will need to provide Evidence of Insurability if you wish to increase your coverage at any point in the future.
Employees scheduled to work less than 30 hours per week receive no coverage.

Thrift-Incentive Plan
If you are a scheduled to work 30 hours or more per week and you dont make an election in the Thrift-Incentive
Plan (TIP) within the first 30 days from your date of hire, the Company automatically enrolls you with 6 percent of
pay deductions. These deductions are made on a before-tax basis and are invested in the Target-Date investment
option appropriate for an age-65 retirement date.
If you wish to increase or decrease contributions, change the investment election or decline enrollment at this
time, you must visit the site within the first 30 days of employment.
All other eligible employees must complete 1,000 hours within a 12 consecutive month employment period
before they can enroll in the Thrift-Incentive Plan. The Company automatically enrolls you with 6 percent of pay
deductions within 30 days from your eligibility date. These deductions are made on a before-tax basis and are
invested in the Target-Date investment option appropriate for an age-65 retirement date.
Note: If you are automatically enrolled but do not wish to contribute to TIP, you may request a withdrawal of your
before-tax contributions, including any earnings and losses on those contributions. You must make this election by
calling Benefits Express at 1-800-758-4460 no later than 90 days after the first automatic contribution is deducted
from your pay. Please refer to the TIP summary plan description for additional details.
Note: A redemption fee of 2% will be applied to transfers out of International or Emerging Market Funds.

Liberty Mutual Retirement Benefit Plan

The Retirement Benefit Plan is a pension plan that provides eligible employees with a financial benefit that is fully
paid for by the Company. If you are scheduled to work 30 hours or more per week, you become a participant in
the Retirement Benefit Plan on your hire (or rehire) date. All other eligible employees join the Plan after the first of
the month following the completion of working 1,000 hours during a consecutive 12-month period following your
date of hire.
All eligible participants will accrue pension benefits under the Plans cash balance formula. Participants will
receive monthly pay credits and interest credits through a cash balance account. The pay credit will be equal
to 4.5% of your eligible monthly compensation. Interest credits will be applied monthly to your opening account
balance and will be based on the United States 30-Year Treasury Rate as announced each year.
You do not need to enroll in the Plan to participate. You will, however, need to elect your beneficiary on Your
Total Rewards. You will be able to elect your beneficiary on Your Total Rewards once your information has been
processed in Liberty Gateway, Libertys HR Information System, and received by Your Total Rewards. This could
take up to ten business days.

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A Final Note
Remember, youll be most likely to have a successful enrollment if you understand the eligibility requirements,
what each plan covers and what it doesnt, and your share of any costs. All of this information is available on the
Your Total Rewards website. While you can change your TIP (401(k) Savings) elections at any time, right now is
the one chance you have, until the next Falls annual enrollment period, to enroll in the Flexible Benefits Program.
The only exception is a change in status, such as marriage or the birth/adoption of a child.
Additionally, the benefits described in this booklet are governed by the provisions of each plan, as described in the
summary plan descriptions available within the Your Total Rewards website.
Please take the time to make sure you enroll in the benefits that are right for you.

Additional Resources
If you have questions after reviewing this information or the information on the enrollment website, please call the
HR Support Center at 1-877-564-4772. Representatives are available Monday-Friday, 8am to 5 pm, Eastern Time.

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