Fidelity National Title offers competitive salary, benefits, employee stock ownership and is an equal opportunity employer. Compensation is competitive, depending on experience.

This benefit summary provides highlights of the Fidelity National Financial Benefits Program.  This summary is not a summary plan description. but it is a summary of plan highlights.  It is not a guarantee of future benefits.  Complete details about the plans are in the legal plan documents that govern plan operation and administration.  If there is any discrepancy between the information provided in this summary and the provisions of the plan documents, the plan documents govern.

Fidelity National Financial, Inc. reserves the right to terminate, suspend, withdraw, amend, or modify benefits, contributions, or the program at any time without advance notice.

The Fidelity National Financial (FNF) Benefit Program includes plans that help provide for the health and financial security of your family.  Many of our benefit plans also offer tax advantages.  As a program, FNF benefits are a valuable component of your total compensation from the company.

You can tailor your FNF benefits to fit your needs each year and throughout your career.  FNF offers both 100% company-paid and voluntary health and welfare benefits.  If you choose to participate in the voluntary plans, then you contribute to the cost of providing these benefits.

You must enroll for coverage within 31 days after becoming eligible.  After you enroll for benefits, you can elect or change coverage only during annual enrollment or if you have a qualified change in status.

You are automatically enrolled in:
• Basic life and accidental death and dismemberment (AD&D) insurance
• Basic dependent life insurance coverage
• Employee Assistance Program (EAP)
• Business travel accident insurance

You can elect to enroll in:
• Medical Coverage (including prescription coverage)
• Dental Coverage
• Vision Coverage
• Supplemental employee life insurance
• Supplemental dependent life insurance
• Voluntary short-term disability coverage
• Voluntary long-term disability coverage
• Flexible spending accounts
     • Health care spending accounts
     • Dependent care spending account
• Tax-free transportation program
     • Parking
     • Mass Transit
• Legal assistance program
• Long-term care insurance
• AFLAC supplemental insurance
• Credit union membership

Each pay period, a contribution is deducted from your pay on a pre-tax basis to help pay the cost of your medical coverage, dental coverage, vision coverage, flexible spending accounts, tax-free transportation program and AFLAC coverage, if applicable.  This lowers your taxable income because your contributions for these benefits are deducted from your pay before taxes are withheld.  All of your other benefit deductions are made on an after-tax basis.

If you are a regular full-time employee who is scheduled to work at least 30 hours per week, then you can participate in the FNF Benefit Program on the first day of the month following the completion of your 90-day orientation period.  You may also choose to cover your eligible dependents.

• Fidelity automatically provides eligible employees with basic life insurance of one-and-one-half times their base salary, to a maximum benefit of $125,000, payable if they die while covered.  The company pays 100% of the cost of the coverage.
.

• The company also automatically provides employees with accidental death and dismemberment (AD&D) insurance coverage equal to an additional one-and-one-half times their base salary, to a maximum benefit of $125,000, payable if they are injured or die because of an accident while they are covered.  The company pays 100% of the cost of the coverage.
.
• Fidelity automatically provides basic dependent life insurance coverage of $5,000 for your spouse and $2,000 per child.  The company pays 100% of the cost of coverage.  To be eligible for the full benefit of $2,000, your child must be between the ages of six months and 19 years, or 23 years, if a full-time student.  A child under the age of six months is covered for $500.

• Employee:  You may purchase additional life insurance coverage for yourself of up to five times the amount of your benefits compensation, to a maximum of $1,000,000.  During your new hire eligibility period, evidence of insurability is not required if the amount of the supplemental employee life insurance you select is equal to the lesser of 3 times your benefits compensation or $500,000.  Keep in mind that you will be required to provide evidence of insurability to enroll or increase your coverage amount during any future enrollments.
.

• Dependent:  You may purchase additional coverage for your spouse in the amount of $10,000, $20,000, $30,000, $40,000 or $50,000.  Evidence of insurability is required for coverage over $20,000 during the new hire enrollment period.  Evidence of insurability will be required to enroll or increase your coverage during any future enrollments.  You may cover your spouse even if you do not enroll for employee coverage.
.
• Children:  You may purchase life insurance coverage for your dependent child(ren) in amounts of $5,000 or $10,000 per child.  No evidence of insurability is required for child life insurance.  The child(ren) benefit is only payable for children 6 month of age and older.

• Short-Term Disability:  You may purchase short-term disability coverage with a benefit of 60% of your weekly benefits compensation to a maximum benefit of $1,500 per week for up to 26 weeks.  Short-term disability benefits begin on the 22nd calendar day of disability.  Evidence of insurability is required for employees enrolling in this plan at anytime other than at the completion of the 90 days as a new hire.
.
• Long-Term Disability:  You may purchase long-term disability coverage with a benefit of 60% of your monthly benefits compensation to a maximum of $15,000 per month.  Benefit payments begin after 180 days of disability and continue until the later of age 65 or the normal retirement age under Social Security if you are totally disabled.  Evidence of insurability is required for employees enrolling in this plan at anytime other than at the completion of their 90 days as a new hire.

The EAP is a confidential program available to all employees to help them handle various issues – those that affect their physical, mental, and spiritual well-being, as well as their careers and relationships.  The company pays 100% of the cost of EAP coverage.  Specific reasons for contacting the EAP may include:
• Stress, anxiety and depression
• Marital, family, and relationship difficulties
• Alcohol and substance abuse
• Bereavement
• Financial and legal concerns
• Any other matter affecting personal well-being

• AFLAC Supplemental Insurance

• Business Travel Accident Insurance

• Hyatt Legal Assistance Program

• CNA Long-Term Care Insurance

• Transit One Tax-Free Transportation Program
• Retiree Benefit Program

401(k)

• 1 to 15% Pre-Tax deduction.

ESPP

• 3 to 15% Post-Tax deduction

• Invest in Company Stock

• Withdrawals processed daily

The 401(k) plan is an employer-sponsored retirement plan, approved by the IRS, that allows employees to save for their retirement through pre-tax payroll contributions.  These contributions are allocated to investments that the employee designates.  Taxes on the contributions and earnings are deferred until you withdraw the funds from the plan with restrictions on when the funds may be withdrawn.
.

• Vesting Schedule: 

     • Less than 1 year = 0%

     • 1 year = 34%

     • 2 years = 67%

     • 3 or more = 100%

• Rollovers

• Can rollover funds into the Plan immediately upon new hire

• Forms Required: IRS Determination Letter

• Paperwork & Check should be sent directly to Wells Fargo

FNF’s Employee Stock Purchase Plan (ESPP) is a savings vehicle that allows employees to acquire company stock through payroll deductions and to receive a matching contribution by the company.  FNF wants to provide its employees with an opportunity to share in the future growth and profitability of the company by becoming employee owners.
.

ESPP Employer Match
FREE MONEY!!!

• 33% or 50%, depending on years of service and/or Officer Status.  (10 years of service = 50% match)

• Match is done quarterly – based upon contributions made in corresponding quarter of prior year.  Average price for quarter is used.

• Can be withdrawn at any age since not a “retirement plan.”
.

529 College Savings
Section 529 - College Savings Plan

• Tax-free earnings on Investment for College tuition and qualified expenses.

• Qualified withdrawals are exempt from federal taxes!

• Systematic Investment

• Accounts are portable