Glossary

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Accidental death and dismemberment (AD&D) insurance Insurance that pays benefits when you die or sustain a covered loss within 365 days of an accident. The amount the plan pays depends on the extent of your loss.

Acute care Treatment for an immediate and severe episode of an illness, an injury related to an accident or other trauma or recovery from surgery. Typically, acute care is provided in a hospital. Unlike chronic care, acute care often is needed for only a short time.

After-tax contributions Contributions for certain benefits that are deducted from your paycheck after federal, state and local taxes are withheld.

Alternative care Unconventional health care procedures, services or courses of treatment, such as acupuncture or acupressure. Typically, the plan options do not cover alternative care.

Anabolic drugs A group of synthetic hormones used to increase constructive metabolism that are derived from or closely related to androgen testosterone.

Annual enrollment period A specific period of time within each benefit plan year during which you can enroll in the benefits described in this guide or change your current elections.

Annual maximum The maximum number of treatments or services or amount of benefits that you or your enrolled dependents can receive each benefit plan year. Annual maximums vary by benefit plan.

Annual restoration The amount the Healthcare Essentials PPO, Balanced Choice PPO, and Premium PPO plan options restore to your lifetime maximum benefit each benefit plan year.

Annual salary For life insurance purposes, your gross straight-time pay for regularly scheduled hours each week. This does not include bonuses, overtime, incentive compensation allowances, Benefit Dollars or other forms of special compensation.

Attention deficit disorder (ADD) A condition characterized by learning or behavior problems, difficulty sustaining attention, impulsive behavior (as in speaking out of turn), or excessive or uncontrollable activity.

Automatic payroll deductions Costs that are deducted from your paycheck before your "net" amount is calculated.

Aversion therapy Therapy intended to induce dislike for certain habits or antisocial behavior by using association with a noxious and/or graphic stimulus.

Basic benefits The benefits you receive automatically as an eligible Vought Aircraft employee. The company pays the full cost of these benefits.

Before-tax contributions Contributions for certain benefits that are deducted from your paycheck before federal, state and local taxes are withheld.

Beneficiary The person(s) that you designate to receive your life and AD&D insurance benefits when you die.

Benefit heritage Your participation in the benefit plans of the companies and business units that merged to form today's Vought Aircraft.

Benefit levels Levels of benefits that a plan option offers. These may range from comprehensive, which includes preventive care, to "safety net," which is minimum coverage for catastrophic care only. The benefit levels for plan options also can vary in the amount of deductibles, coinsurance and benefit plan year maximums.

Benefit plan options The various options available to you and your family within the Vought Flexible Benefits Program.

Benefit plan year The 12-month period from July 1 through June 30. The benefit plan year applies in determining when you can become a participant in the benefit plan options. For the medical and dental plan options, the benefit plan year is the period during which your deductible, out-of-pocket maximum and annual maximums are tracked.

Benefits representatives The trained Vought staff who can assist you with your benefit questions.

Bitewing X-rays A simultaneous X-ray of teeth in both the upper and the lower jaw.

Brand name prescription A prescription drug that is protected by patent and is marketed under a specific name.

Bridges (dental)

Fixed - A set of one or more false teeth cemented in place in the mouth. Retainers secure the bridge to the teeth.
Fixed-removable - A set of false teeth the dentist can remove but the patient cannot.
Removable - A set of false teeth, usually held by clasps, that the patient can remove.

Business travel accident insurance Insurance that pays benefits within 365 days if you or any of your eligible dependents die or are dismembered as the result of an accident that occurs while you and your accompanying eligible dependents are traveling on Vought Aircraft business.

Carrier A company that underwrites or administers a range of health benefit programs. May refer to an insurance company or a managed health plan.

Case management A process in which a registered nurse is assigned to an individual patient to assess, coordinate, monitor and evaluate the options and services required to meet the patient's health care needs. Case managers access all available resources to promote quality and cost-effective outcomes.

Certificate of Creditable Coverage A document that provides proof of your previous medical coverage.

Child care credit A federal income tax credit for eligible dependent care expenses. Tax credits reduce dollar for dollar the amount of taxes you owe.

Child(ren) For the purposes of the medical and dental plan options, children include:

Your biological children
Legally adopted children
Stepchildren living with you
Children supported only by you and living permanently in your household
Dependents who are eligible pursuant to a qualified medical child support order QMCSO)

Claim Any charge for services submitted for payment to the claims administrator by either you or a service provider.

Claims administrator The outside firm with which Vought Aircraft contracts to administer benefits under the guidelines of the plan and generally accepted insurance practices. The claims administrator may collect premiums, pay claims and/or provide administration services. For a directory of claims administrators for each benefit plan option.

Coinsurance Your percentage share of the cost of eligible expenses. For example, a typical coinsurance arrangement under a medical plan is 90%/10% in which case the employers pays 90% of the usual, reasonable and customary (URC) expenses and you, the participant, pay 10%. You pay coinsurance after you meet the individual or family deductible.

Collective bargaining agreement A contract between a union and an employer covering benefits, wages and working conditions.

Coma/comatose A state of complete mental unresponsiveness, with no evidence of appropriate response to stimuli.

Congenital disorder A condition that existed at or dates from birth.

Consolidated Omnibus Budget Reconciliation Act (COBRA) A federal law that requires employers to offer continued health insurance coverage to employees and their dependents when their eligibility for group health insurance coverage ends, such as at termination of employment or divorce. COBRA applies to your medical, dental and Flexible Spending Account benefits.

Continuous disability For purposes of the long-term disability benefit plan, a disability that lasts for at least six uninterrupted months. You can return to work for up to 30 days during this six-month period, and your disability is still considered continuous.

Contract employee An individual - usually working at a Vought Aircraft site - who is not on the Vought Aircraft payroll, but instead works for a company that was retained by Vought Aircraft or its affiliates to provide a specific service.

Contributions The amount you pay toward the cost of the benefits in which you enroll. Typically, contributions are deducted from your paychecks. Refer to your paycheck stub for information on contributions.

Conversion policy An individual life or AD&D insurance policy to which you can transfer your Vought Aircraft life and/or AD&D insurance coverage after your employment ends. You do not have to provide evidence of insurability (EOI) for a conversion policy.

Coordination of benefits (COB) A method of coordinating reimbursements for health care treatment and supplies when you or a family member is enrolled in more than one health care plan - for example, medical and auto insurance or the Vought Aircraft plan and your spouse's employers plan.

Copayment A fee you pay to a provider at the time you receive care.

Coverage categories The number of family members, such as employee only or employee and family, that you enroll in the benefit plans. Coverage categories vary under the Vought Aircraft benefit plans. For details, refer to the section entitled "Coverage Categories" in each chapter of this guide.

Covered loss The loss of limb(s), sight, speech or hearing for which you are eligible to receive full or partial benefits under the AD&D insurance plan.

Crown (dental) An enamel or metal covering of a tooth that replaces a natural tooth.

Deductible The amount of money you pay each benefit plan year before your plan option begins to pay benefits for eligible expenses.

Default coverage The benefits you automatically receive if the Vought Benefits Center does not receive your benefit elections within 31 days of your date of hire.

Denture A device replacing some or all teeth; it may be fixed or removable.

Diagnosis Identification of a condition by examination, testing and/or analysis.

Diagnostic and Statistical Manual of Mental Disorders (DSM HI-R/IV) A code book of mental disorder symptoms and illnesses.

Diagnostic tests Laboratory tests conducted in order to make a diagnosis.

Disability During the first 18 months of an illness or injury, the inability to perform the duties of your regular occupation. After 18 months, you are considered disabled if you cannot perform the duties of any job for which you are qualified through training, education, experience and past earnings.

Disabled employee One who meets the definition of disability under the plan.

Eligible dependents Dependents eligible for benefit coverage under the plan, such as your spouse and unmarried children.

Eligible expenses Charges for services or supplies for which the medical or dental plan options pay benefits.

Emergency A sudden serious medical condition for which failure to receive immediate care could place your life in danger or could cause serious impairment of bodily functions.

Employee assistance program (EAP) A confidential counseling and referral service, offered by Vought Aircraft and available to you and your family.

Employee Retirement Income Security Act of 1974 (ERISA) A federal law that imposes reporting and disclosure requirements on group health and welfare, savings and pension plans.

Employer contribution The amount Vought Aircraft contributes toward the premium cost of your benefits.

Endodontics Root canal therapy.

Enrollment materials The packet of information you receive each year during Annual Enrollment. Your enrollment materials describe the benefit plan options available to you and your family and the cost of those options.

Estate The assets and liabilities left by you when you die.

Evidence of insurability (EOI) Proof that you and/or your dependents are in good health at the time you enroll for optional life or long-term disability insurance benefits.

Experimental A procedure, service or supply that does not conform to accepted medical practice, is not approved by the appropriate governing body, such as the Food and Drug Administration, or has not completed scientific testing or whose effectiveness has not been established. Typically, experimental procedures, services or supplies are not covered under the medical or dental plan options.

Explanation of benefits (EOB) A statement from a claims administrator, HMO or insurance company that describes services or treatments performed, dollar amounts paid by the plan, benefit limits and denials. If you have coverage under more than one health care plan, you must submit a copy of your EOB along with your claim for reimbursement of expenses. In addition, it is important to keep a copy of your EOBs in your personal files for future reference.

Extraction The removal of a tooth.

Family deductible A deductible that is satisfied by the combined expenses of all enrolled family members.

Fiduciaries The people or entities responsible for operating a plan. At Vought Aircraft, plan fiduciaries may include employees who make certain discretionary decisions about the management or administration of the plans. Fiduciaries also may include outside investment advisors and trustees.

Fillings Material used to fill spaces or cavities in teeth.

(FSAs) Flexible Spending Accounts Two accounts, the health care FSA and the dependent care FSA, which allow employees to pay certain health and dependent care expenses with tax-free dollars.

Funding The amount of revenue required to finance a benefit program.

Generic drug A copy of a brand name drug that no longer is protected by a patent. Generic drugs typically serve the same purpose as the original and are less expensive.

Group The employer, union, trust, association or organization through which you and your dependents are entitled to benefit coverage. In this case, the group is Vought Aircraft.

Group rates The discounted insurance rates offered to an employer, union, trust, association or organization.

Health coverage Coverage that pays benefits for an eligible illness, injury or health care condition. Coverage may include disability, dental, medical, vision and hearing care and accidental death coverage.

Health Insurance Portability and Accountability Act (HIPAA) A federal law that places limits on health care plan preexisting condition exclusions, among other requirements.

Health maintenance organization (HMO) A medical plan that offers its members a wide range of medical services, including preventive care, from a specific group of medical providers. Vought Aircraft offers several HMO options.

Hemiplegia The total loss of the use of one side of the body.

Home health care Care provided in your home by an agency licensed by the state in which you live. The plan must preauthorize home health care. Benefits may be approved for individuals who are homebound for medical reasons, physically unable to obtain necessary medical care as an outpatient, or under the care of a physician.

Hospice care Medical care provided to a terminally ill patient and emotional support for family members during the last months of a patient's life. Medical care emphasizes controlling the patient's pain and other symptoms rather than attempting to find a cure or prolong life. A licensed agency provides hospice care to the patient, either as an inpatient in a licensed hospice center or a private-duty nursing facility or at home as an outpatient.

Hospital admission Entry for an overnight stay in a hospital facility.

Identification card A card issued to each enrolled person by an insurance company, health plan or claims administrator. The card identifies the person as eligible for reimbursement of eligible expenses under the benefit plan option. Keep your identification card with you at all times.

Independent contractor A nonemployee who enters into a contract to furnish supplies or work at a certain price or rate.

Individual policy Insurance for individuals and their dependents that is separate from a group insurance plan. Also see conversion policy.

Ineligible expenses Expenses that are not covered by the plan. For details, see the section entitled "Ineligible Expenses."

In-network (or network) provider A health care provider (such as a physician, dentist, hospital or laboratory) that enters into a contract with the health plan to provide care at a specified ' discounted rate. Typically, the plan options pay more when you receive treatment from a network provider.

In-network benefits The level of benefits you receive when you and/or your enrolled dependents are treated by network providers. Typically, the plan options pay more when you receive treatment from an in-network provider.

In-network care Care provided or authorized by a network provider. Typically, the plan pays more when you receive treatment from a network provider.

Inpatient A patient admitted to the hospital for an overnight stay.

Installment payments Payments of equal amounts made over a period of time.

Investigational See Experimental.

Job Shopper An individual - usually working at a Vought Aircraft site - who is not on the Vought Aircraft payroll but instead works for a company that was retained by Vought Aircraft or its affiliates to provide a specific service.

Lancet A sharp-pointed and commonly two-edged surgical instrument used to make small incisions.

LASIK A form of laser eye surgery.

Leased employee An individual who is not on the Vought Aircraft payroll but who provides services to Vought Aircraft or its affiliates as specified in an agreement between the individual and Vought Aircraft and who qualifies as a leased employee under Section 414(n) of the Internal Revenue Code.

Legal guardian A person designated by the court to be legally responsible for a minor child(ren) in place of a parent.

Licensed child care facility Any state-licensed facility, other than a family day care home, that provides non-medical supervision for children. The care must be in a group setting and for less than 24-hours a day.

Licensed physician A person who is legally qualified to practice medicine.

Life insurance Insurance that pays benefits to your beneficiary when you die.

Lifetime maximum The maximum amount payable during your lifetime under all Vought Aircraft health plans for active employees.

Lump sum Payment of your benefit in its entirety at one time.

Mail order prescriptions Long-term or maintenance prescription medication that you can purchase through the Caremark Mail Service Program.

Maintenance medication Drugs that are taken on a regular basis for a chronic condition such as high blood pressure or diabetes.

Managed care A structured system of health care delivery that offers patients access to quality, cost-effective health care by assessing the utilization and cost of services and measuring provider performance. All of the Vought Aircraft health care plans are managed care plans.

Medicaid/Medi-Cal A government program, administered and operated individually by participating state and territorial governments, that provides medical benefits to eligible low-income individuals. Federal and state governments share the cost of the program.

Medical leave of absence An absence from work due to illness or injury for more than 10 consecutive days.

Medically necessary In general, services or supplies that meet the following criteria:

Are appropriate and necessary for the symptoms, diagnosis or treatment of the medical condition, disease, injury or illness.
Are provided for the diagnosis or direct care and treatment of the medical condition, disease, injury or illness.
Meet the standards of sound medical practice in the medical community in the service area and that, if omitted, would adversely affect the patient's medical condition.
Are not primarily for the convenience of the patient or health care provider.
Are the most appropriate level or amount that can safely be provided.

The medical and dental plans pay benefits for services and supplies that are considered medically necessary, as determined by the plan administrator. The fact that a physician or other health care provider prescribes or orders the service or supply does not make it a medically necessary, eligible expense.

Medicare A federally administered, nationwide health insurance program that covers the cost of health care for individuals who are eligible for Social Security benefits. As a Vought Aircraft employee, you and the company pay a premium each pay period for your future Medicare benefits.

Monthly base earnings Your monthly base salary - not including any supplemental income such as Benefit Dollars, shift differentials or overtime.

Network A group of physicians, dentists, hospitals, labs and other health care providers who agree to treat plan participants at a specified discounted rate so they can be affiliated with the plan.

Network (or in-network) provider A health care provider (such as a physician, dentist, hospital or laboratory) that enters into a contract with the health plan to provide care at a specified, discounted rate. Typically, the plan options pay more when you receive treatment from a network provider. See network specialist.

Network area (service area) The geographic area, usually based on ZIP code, in which you must live to be eligible to participate in a plan.

Network specialist A specialist who enters into a contract with the health plan to provide care at a specified, discounted rate. Typically, the plan options pay more when you receive treatment from a network specialist.

Non-duplication of benefits A method of combining reimbursements for health care treatment and supplies when you or a family member is enrolled in more than one health care plan, such as the Vought Aircraft plan and your spouse~ employer~ plan. Under this method, payments from the Vought Aircraft plan plus payments from the other plan do not exceed the amount Vought Aircraft would have paid if there were no other coverage. Nonduplication of benefits applies to medical, mental health and substance abuse and prescription drugs.

Non-participating pharmacy A pharmacy that has not entered into a contract with Caremark to dispense prescription drugs at a specified, discounted rate.

Non-represented employee An employee who is not represented by a union or collective bargaining agreement.

Obstetrician/gynecologist (OB/GYN) A physician who specializes in women's health, including pregnancy and child birthing.

Opt out The choice to not enroll yourself and your eligible family members in a benefit plan. You may elect to opt out of the medical or dental plans if you sign and return a waiver within 31 days of the date you become eligible to enroll in the plans (by the Annual Enrollment deadline or within 31 days of a qualified change in status, as the case may be).

Optional benefits The additional benefits you can purchase for yourself and your family. You and Vought Aircraft share the cost of these benefits.

Oral surgery Surgical treatment involving the teeth, mouth or jaw.

Orthodontic care Treatment to correct the position of teeth.

Out-of-network benefits The benefits you receive when you use a health care provider who is not a network provider. Typically, you pay more when you use an out-of-network provider.

Out-of-network care Care you receive from a provider who is not part of the network. Typically, you pay more when you receive out-of-network care.

Out-of-network provider A health care provider who has not entered into a contract with a plan to be a member of the plan's network. You pay more when you receive care from an out-of-network provider.

Out-of-pocket costs The amount of your health care expenses that is not covered by the benefit plan option and is paid by you. Out-of-pocket costs typically include copayments, deductibles, coinsurance and ineligible expenses.

Out-of-pocket maximum The limit on your total copayments, deductibles and coinsurance under a benefit plan option.

Outpatient care Health care you receive from a clinic, emergency room or other health facility without being admitted as an overnight patient.

Paralysis The total loss of the use of an arm or leg.

Paraplegia The total loss of the use of the lower half of the body, including both legs.

Participating pharmacy A pharmacy that is a member of Caremark's network of pharmacies and agrees to dispense prescription drugs to you according to the provisions of the Caremark plan.

Part-time employee A nonrepresented employee scheduled to work at least 20 hours per week but less than 40 hours per week.

Payment limits The maximum number of treatments or services or maximum amount of benefits that you or your enrolled dependents can receive each benefit plan year. This is the same as a benefit plan year maximum.

Periapical disease Disease of the tissues around the root of the tooth, including the gums and bones.

Periodontics Treatment of the gums and supporting structures of the teeth.

Permanent disability For purposes of long-term disability insurance benefits, a disability from which you are not expected to recover.

Photorefractive keratectomy (PRK) A type of corrective eye surgery.

Physician A person who is legally qualified to practice medicine.

Plan administrator The person or group of persons designated by the legal plan document as responsible for most day-to-day activities of the plan. These activities include determining eligibility for benefits, processing claims and appeals regarding claims, maintaining plan records, and distributing information about the plan to participants. The Employee Welfare Benefits Committee is the plan administrator.

Plan document The legal document that contains all of the provisions, conditions and terms of operation of a pension, savings or health and welfare plan. It may be written in technical terms. This differs from a summary plan description (SPD), which must be written in a way that an average participant of the plan can understand. See summary plan description.

Plan year Vought Aircraft's benefit plan year is July 1 through June 30.

Portable Under the PPO plans, the ability to receive care from a network provider in any state in the United States.

Preapproval (Value Options) The advance review and approval of proposed mental health and/or substance abuse care through Value Options. Without preapproval, the plan pays no benefits.

Precertification The advance review and approval of proposed hospital stays and specific health care services.

Predetermination of benefits An application for approval of dental treatment and an estimate of eligible expenses - before treatment is received.

Preexisting condition Any physical or mental condition that you or a dependent had within a specific period of time immediately before enrolling in a health plan. There may be limits to health care benefits for your dependents who have a preexisting condition, even if they did not receive treatment for the condition.

Preferred provider organization (PPO) A group of health care providers who enter into a contract with Vought Aircraft's PPO plans to provide services to participants at a specified, discounted fee. Similar to a network.

Premium The contribution you make for certain benefit plans. The health plans have one premium rate for you only and another, separate premium rate or rates for you with dependents. Premiums may change periodically

Prenegotiated rates Discounted rates that a health care provider agrees in advance to charge for services and care provided to plan participants.

Primary care physician (PCP) Network family practictioners, general practitioners, internists or pediatricians under HMO options. PCPs arrange referrals and supervise other care, such as specialist services and hospitalization. All PCPs meet HMO qualification standards and are subject to periodic review.

Primary plan If you are enrolled in more than one medical or dental plan, the plan that pays benefits first.

Prophylaxis Professional teeth cleaning; may include scaling to remove stains and tartar from teeth.

Prosthodontics Treatment to replace missing teeth or other dental structures.

Provider (medical) A hospital, skilled nursing facility, ambulatory surgical facility, physician, practitioner, laboratory or other individual or organization that is licensed to provide medical or surgical services, supplies and/or accommodations.

Provider directory A list of all health care providers that are members of a health plan's network. You can find provider directories through the Excel Web site or, to request a copy, call the Vought Benefits Center and select your provider through the phone menu.

Quadriplegia The total loss of the use of the body from the neck down.

Qualified change in status A life event that changes your need for benefits, such as marriage, divorce or birth of a child. Within 31 days of a qualified change in status, you can change your beforetax benefits. Any changes to your benefit selections must be consistent with the status change.

Qualified Medical Child Support Order (QMCSO) An order or judgment from a state court or administrative agency that directs the plan administrator to cover a child for benefits under the plan. Applies to medical and dental benefits.

Radial keratotomy A type of corrective eye surgery.

Recalled When you are rehired after being terminated for lack of work or a reduction in workforce.

Referral An arrangement, usually made by your primary care physician, under which you can be evaluated and treated by another provider, typically a specialist.

Rehabilitation benefit A benefit under the long-term disability plan that facilitates your transition back to work if you become disabled.

Rehabilitation therapy Therapeutic treatment to restore the use of a part of the body or bring it to a condition of health or useful and constructive activity.

Rehired A Vought Aircraft employee hired again after terminating employment. A rehired employee must make new benefit elections.

Retail prescription Prescription medication that you can purchase through a retail pharmacy. When you purchase retail prescriptions through a Caremark participating pharmacy, the plan pays more. You can purchase up to a 30-day supply of prescriptions at a retail pharmacy versus a 90-day supply through the mail order plan. See participating pharmacy and mail order prescriptions.

Rolfing Muscle massage intended to serve as both physical and emotional therapy.

Secondary plan If you are enrolled in more than one medical or dental plan, the plan that pays benefits after the primary plan. See primary plan.

Service area (network area) The geographic area, usually based on ZIP code, in which you must live to be eligible to participate in a plan.

Skilled nursing facility A specially qualified facility that has the staff and equipment necessary to provide skilled nursing care, or rehabilitation services and related health services. Care at the facility is provided by, or under the supervision of, licensed nursing personnel. Skilled rehabilitation services may include such services as physical therapy performed by or under the supervision of a professional therapist.

Social Security A federal government program established in 1935 to provide old-age and survivors insurance, contributions to state unemployment insurance and old-age assistance.

Specialist A physician who, based on education and qualifications, concentrates on a particular specialty of medicine.

State disability insurance (SDI) Short-term disability insurance that is required for employees in California, Hawaii, New Jersey, New York, Rhode Island and Puerto Rico.

Subrogation Vought Aircraft's or the insurance company's right to recoup benefits paid to you when another person or insurance company is legally responsible for your medical or dental expenses. For example, in the case of an automobile accident, a no-fault automobile insurance policy may pay your medical expenses.

Summary plan description (SPD) A written statement required by ERISA that describes a plan in easy-to-read language. It includes a statement of eligibility, coverage, employee rights and claims appeal procedures. This guide is the summary plan description for your Vought Optional Benefits Program.

Temporary employee An employee on the payroll who is scheduled to be employed for less than six months.

Term insurance A type of life insurance that pays benefits in a lump sum only if you or enrolled dependents die while you are a Vought Aircraft employee and, in the case of optional life insurance, so long as you pay the premiums. Term insurance policies do not build up a cash value.

Truss A device worn to relieve a hernia through the application of pressure.

Trust agreement An agreement between the plan administrator and the trustee (the person or entity named to control and manage benefit plan assets).

Usual, reasonable and customary (URC) fee The "going rate" for medical and dental services in your geographic area, as determined by the claims administrator. The medical and dental plans pay benefits up to the usual, reasonable and customary fee. Expenses that exceed URC limits do not apply to out-of-pocket maximums. You pay 100% of expenses over the URC fee. When you receive care from a network provider, expenses never exceed the URC limit.

Vought Flexible Benefits Program The benefit program Vought Aircraft offers employees. Employees are able to select a benefit package suited to their and their dependents’ specific needs.

Vesting The process by which you obtain a guaranteed right to a benefit when you retire, terminate your employment, become disabled or die.

Vought Benefits Center A telephone center staffed with trained benefits service representatives who can provide answers to your benefit questions or direct you to other resources. You can reach the Vought Benefits Center at 1-866-689-5999. The Center operates Monday through Thursday 8am to 8pm and Friday 8am to 4:30pm, Central time. The Vought Benefits Center is closed on company holidays.

Vought Aircraft Medical Department A group of medical professionals, located at many Vought Aircraft sites.

Waive coverage The decision to elect no coverage for yourself and your family.

Waiver of premium Life insurance coverage option that allows a life insurance participant who becomes disabled or seriously ill to not pay the premiums.

Whole life insurance An insurance policy that builds up a cash value as premium payments accrue.

Workers' compensation Medical and disability insurance benefits for an injury illness or disease that arises out of and in the course of your employment. Employers such as Vought Aircraft finance workers' compensation insurance, and it is a required benefit in most states.

Working spouse rule A Vought Aircraft rule that requires your spouse to enroll in his or her employer's health care plan if the employer pays 50% or more of the cost of health care coverage. The rule applies even if your spouse-employer offers only one option, such as a health maintenance organization.