Frequently Asked Questions for Separating Employees

General Information
•	Separation pay, as outlined in your letter, will be delivered via direct deposit in a lump sum payment and taxed at the supplemental rate.
•	Vacation time will be accrued based on the time worked through separation, with one-twelfth (1/12) of your annual vacation earned for each completed month of service. 
•	Floating holidays are paid based on your separation date:  1 day if separating prior to June 1; 2 days if separating prior to October 1; and 3 days if separating on or after October 1. If you have not been employed for at least three full months, no floating holidays are earned.
•	Accrued, but unused, vacation and floating holidays will be paid out at separation.
•	Participating employees may file for unemployment benefits. Typically, merger separation plans are designated as “mutual agreement” and eligible for benefits. Payment of benefits varies state by state and the acceptance of separation pay may delay or offset your unemployment pay. Please consult your state unemployment office for further information.
•	Address changes occurring after separation will need to be reported to the human resources department to allow for future required mailings (i.e., W-2)
•	Arch devices, such as an iPhone or iPad, may be retained. If you have a device and elect to retain it, each device is valued at $150 and the value will be included as income for tax purposes on your final paycheck.
•	Return any physical company property (computers), badges or keys, American Express card to your supervisor or the HR department.
•	Be sure to file your last expense report prior to your separation date.

COBRA

COBRA Monthly Premiums	
Election	Employee	Employee +Spouse	Employee + Child	Family	
Medical/Dental/Vision	$1,000.35	$1,802.16	$2,088.89	$3,011.52	
Medical and Rx Only	$962.75	$1,728.72	$2,009.79	$2,892.15	
Dental Only	$31.13	$60.50	$65.52	$98.67	
Vision Only	$6.47	$12.94	$13.58	$20.70	

COBRA plans are the same plan design as the Arch health plans offered to active employees. The only difference is the cost of premiums. You will receive 6 months of COBRA premiums in a lump sum (less applicable supplemental taxes), which you may use to pay your COBRA premiums, if you choose to enroll in COBRA. We encourage you to explore the different plan alternatives available through the Health Insurance Marketplace at healthcare.gov to make sure COBRA is the right solution for you and your family.

If you do not enroll in COBRA coverage, your Arch benefit plan coverages will end on your last day of employment. 

To Elect COBRA
•	You will receive a COBRA packet in the mail from CDB (a branch of Empyrean) within 30 days of your termination. You will need to enroll within 60 days of your termination.
o	Please note that COBRA enrollment can be completed via paper form or online at cobraandbillingservices.com. You will need a code from your COBRA packet to enroll online. Enrolling online is the quickest method to be added to COBRA coverage.
•	COBRA coverage is always effective retroactively to the day after your active coverage ends (your separation date).
•	Once you enroll, you will receive payment coupons in the mail.
•	Deductibles and out-of-pocket expenses accrued YTD will carry over to COBRA.

Pre-65 – Not Medicare eligible
•	If you plan to elect coverage through the federal exchange, you must do so within 60 days of your termination date.
•	Loss of COBRA is not considered a qualified life event (QLE) to allow a special enrollment period for coverage through the federal exchange.
•	If you plan to enroll in your spouse’s coverage, check with the employer to see if they consider the loss of COBRA a qualified life event. Most only consider losing your active coverage a QLE.
•	You can enroll in the federal exchange and take the company paid COBRA at the same time. You can elect just dental and/or vision for COBRA, if you would like, but will need to decline Medical/Rx COBRA.

Post-65 – Medicare eligible
•	Enroll for Medicare Parts A, B, and D as soon as possible. 
•	COBRA is considered secondary to Medicare whether you are enrolled in Medicare or not.
•	For Social Security and/or Medicare questions, please contact the Social Security Administration.
•	If a letter of creditable coverage is requested by Medicare, please contact Pam Marlow.

Retiree Welfare Plan
Eligibility Rules
You may be an eligible Arch Resources retiree if you meet the following requirements:
o	Hired or rehired before 1/1/2010
o	Over the age of 45 on 1/1/2016
o	Age 55 or older at retirement
o	10 years of eligibility after age 45 as of the date of your termination of employment
Retiree Life Insurance
•	If eligible for the Retiree Welfare Plan (Pre or Post 65), the Retiree will automatically receive $10,000 in retiree life insurance. No action is necessary to receive the $10,000 retiree life insurance.

Health Reimbursement Account (HRA)
•	Only Pre-65 Retirees and/or Spouses are Eligible for the Health Reimbursement Account (HRA).
•	Must contact the Arch Resources Benefits Center within 31 days of your termination to attest your eligibility for the HRA. Per IRS rules – if you are Medicare eligible, you cannot receive an HRA if:
o	Covered by TriCare
o	Covered by Medicare
o	Take a Federal Subsidy
o	Will make or receive contributions to a Health Savings Account (HSA) or Health Care Flexible Spending Account (FSA) when the HRA starts
•	The HRA is effective the first of the month after your termination from Arch.
•	You and your spouse are eligible for the HRA up to each individual’s 65th birthday.
•	You can still get the HRA if you elect and enroll into COBRA.
•	The HRA and COBRA are two different enrollments:
o	Attest your HRA eligibility with the Arch Resources Benefits Center between 7 and 31 days after your employment ends (www.archrscbenefits.com or 844-209-8698)
o	Enroll in COBRA within 60 days after your employment ends. CDB will send your COBRA packet in the mail.
•	When you attest your eligibility for the HRA, an HRA account is opened for you at UMR within 10 business days.
•	UMR will send you a welcome packet within 10 to 14 business days after the HRA account is opened.
•	You will need to submit claims to UMR to be reimbursed for qualified medical expenses from your HRA (it works just like a Flexible Spending Account). You may contact UMR online at  www.umr.com or 800-826-9781 with any questions.
•	Each Fall, you and/or your covered spouse will have to make an attestation that you are still eligible for the HRA during the Retiree Open Enrollment period. If you do not complete the attestation, your HRA will be dropped. You will not be eligible to have it reinstated.
Port or Convert Life Insurance Policy
•	Contact Prudential within 31 days of your termination to port/convert your current coverage (877-889-2070). Arch Resources’ contract number is 52046.
AFLAC Accident Insurance, Critical Illness Insurance and/or Hospital Indemnity
•	You may continue your AFLAC coverage without interruption – with the same benefits and the same premiums. You simply make payments directly to AFLAC. To continue your coverage, visit www.aflacgroupinsurance.com and complete the Continuation of Coverage Form. You must submit this form within 31 days of your termination date. If you have questions, you may call AFLAC directly at 800-433-3036.
ARAG Legal Insurance
•	ARAG will automatically notify you via email (if one is on file) or regular mail regarding your eligibility to continue coverage. You have 90 days to decide whether you want to continue the plan. If you are in the middle of a legal matter, ARAG will continue to pay the claim under the plan’s provisions.

Norton LifeLock
•	Norton LifeLock will automatically contact you with portability instructions. If you enrolled with your Arch email, you may not receive the email; therefore, you may contact Norton at 866-456-9316 with any questions. You will have an opportunity to select coverage in Norton’s retail plans and you will receive a 30% discount for your first year by entering promo code WB3.
Flexible Spending Account (FSA)
•	You can only submit expenses from 1/1/2025 to your termination date. You will have until 3/1/2026 to submit the claim for reimbursement. At the time of your separation, your FSA card will no longer work and claims must be submitted via a paper claim form. You may contact HealthEquity at 877-713-7712 or www.myhealthequity.com.
Health Savings Account (HSA)
•	Any funds in the HSA are yours to keep. You can keep your HSA with Health Equity or roll it over to another HSA provider. You will still have access to the Health Equity site to submit claims and your HSA card will still work. You may contact HealthEquity at 877-713-7712 or www.myhealthequity.com.
401(k) Plan
•	Separation pay is not 401(k) eligible.
•	Call Vanguard (800-523-1188) to withdraw or rollover your 401(k). Please note, it will take one to two weeks post-termination for Vanguard to be notified of your termination. You may complete your request online at www.vanguard.com/retirementplans.
•	You may leave your account in the Arch plan with Vanguard until age 72. At that time, you will be required to commence RMDs (required minimum distributions).
•	Wait approximately 10 business days from the date of your last regular paycheck to request distribution to ensure your final contribution and company match are posted.
•	You may continue to make loan payments with Vanguard after termination. Contact Vanguard to establish an ongoing payment plan (800-523-1188).

IT Information - Instructions for Separated Employees 
As you transition from Arch, it is important to complete a few steps. Please follow the instructions below to complete these tasks.
Releasing Financial Responsibility for Arch provided iPhone or iPad
•	Complete the “Mobility Request – Assume Financial Responsibility” form at least one week prior to your last day. Clink on link to access [form]
•	You will need to have a personal account with the same provider you had while at Arch (i.e., ATT, Verizon). You will need to move to the device and phone number to the same provider you had while at Arch.
•	There is a cost of $150 per device that will be deducted from your last paycheck.
•	Provide any requested documentation or information to facilitate the transfer of responsibility.
Extracting Outlook Contacts and Calendar
Outlook Contacts
•	Open Outlook on your iPhone or iPad.
•	Go to the Contacts tab.
•	Select all contacts you wish to export.
•	Click on File > Export > Export to a file.
•	Choose the format (e.g., CSV) and save the file to your preferred location.
•	Transfer the file to a secure storage device or email it to your personal email address.
Outlook Calendar
•	Open Outlook on your iPhone or iPad.
•	Go to the Calendar tab.
•	Click on File > Save Calendar.
•	Select the date range you wish to export and choose a location to save the file.
•	Transfer the file to a secure storage device or email it to your personal email address.
Updating iCloud Login
•	Open Settings on your iPhone or iPad.
•	Tap on your name at the top of the screen.
•	Select Name, Phone Numbers, Email.
•	Tap Edit next to your current Apple ID email address.
•	Update the email address to a personal email address if it currently uses your @archcoal.com or @archrsc.com email.
•	Verify the new email address by following the instructions sent by Apple to your new email.
Additional Steps
•	All Arch desktops and laptops will remain with the organization. 
•	If you are on legal hold, please do not delete or remove any information that you have been directed to retain for that legal request.
•	Remove any personal data from your H or W drives.
•	On your last day company-specific apps or data will be removed from your iPhone or iPad.
•	Return any physical company property (computers), badges or keys, American Express card to your supervisor or HR department.
•	Ensure that your personal information is updated in any relevant systems or accounts.
Conclusion
Completing these steps will help ensure a smooth transition as you leave Arch. If you have any questions or require assistance with any of the steps, please contact the Arch IT Service Desk at 314-994-2990 or see your Human Resources Department. Thank you for your cooperation and best wishes for your future endeavors.