Oh man, where to start with this giant Alight communications Cluster*uck.
First, ObSecurity note (thanks Allison):
Yeah, wrt security questions, either
a. lie, or
b. at least tack on a 6 char padding (prefix, suffix or in the middle) in truthful answers so that what you type in doesn't match the giant surveillance file stored on you.
I use Bitwarden as my credentials keeper, after LastPass decided to change their terms. It works well, is open source, and there are only a few oddball pages where Java wizardry/excesses prevent the autofill from working correctly (Alight being one of them ....).
Back to the Alight switch:
My theory: somebody saw a "cost saving" in a spreadsheet, pitched it in PowerPoint, the committee congratulated itself - and here we are. Assumptions were made about Alight's basic communications competence, which clearly didn't pan out. Hey Joe, what's a retiree? I never got a notice, paper or email, and I was consciously expecting it since the window was open for only two weeks last year. And I'm hardly alone. Most of us crowdsourced crucial details by getting the most basic info - like the gateway login - from a non-official source(!!!). In my case, a "Raytheon Retirees" and a "Hughes Aircraft- Where are they now?" FB page. There are even people posting they received an official written notice that "our info won't be uploaded in time" to sign up for the before the deadline.
It's a sufficiently widespread Cluster*uck that they've extended their deadline. Check it out, fresh from the "Gateway":
"Annual Enrollment Period has been extended and you have through Dec 15 to complete your enrollment."
Respectfully, Dennis, the Kaiser info you gave is incorrect. It is a Kaiser HSA
plan, not the HMO edition, if you are referring to the pre-65 offering. Specifically, the "Pre-65 Retiree Medical Kaiser South CA Gold HSA
". I'm signed up for it, I've been in Kaiser for decades, both pre and post retirement.
Raytheon switched us out of the Kaiser HMO years ago and into the Kaiser HSA. The complexity went up threefold - from a simple "copay and that's it" model, to the world of deductibles and additional after service billing in the non-HMO plan. Yeah, I'll take the HSA tax benefit, but not without harumphing about the complexity.
Marge wrote, "Boeing is changing all pension and savings to Fidelity Jan 1, 2022".
Be thankful. Raytheon is going in the other direction, Alight is going to handle it. Most of us retirees pulled our 401Ks out of RTN and handed them off to a major brokerage (like Fidelity). If you didn't, those accounts are getting transferred to Alight and their limited choices. See page 12 in the attached RAYSIP transition guide (also crowdsourced).
Hey, there's a new Vision plan via VSP. Did you see any
detail on it when you were signing up? Me neither. Attached is what I grabbed from the Raytheon Retirees page. Since both Anthem and Kaiser offer a Vision exam, it's a question why you might want it? Answer: whether employee or employee with spouse, It gives a $175 allowance for frames at Costco. There's also lens and premium frame discounts. Effectively it's a 50-60% discount at already low Costco pricing, and Costco readily accepts VSP. I opted back in after getting the VSP info.
Life Insurance: Yeah it's offered. But you need to restate the beneficiaries. They know who your beneficiaries already were, but they make you reassign them. It's a critical little detail when so many people are posing the question, "Do I have to do anything if I don't change anything?". Oddly, they will still rely on them - it's official enough - if you kick the bucket within 12 months: "Any beneficiary designations you may have made on prior heritage company systems will not be transferred to Your Gateway, although will be relied upon should you die within 12 months of the transition without having made a beneficiary designation through Your Gateway".
Finally, where *and* how do we send our payments for January medical insurance? Yeah, no complete story there yet. It's being "developed". Attached is the crowdsourced Billing address for Alight, which is identical to an official communique I received in the mail yesterday. So, light a canle in the hoope that in the next 4 weeks they tell us how to pay for the benefits. Otherwise, my Plan B is to send a letter with a paper check equal to the sum of the three benefits monthly costs on the "Gateway".