2016 Benefits Guide for Kroll, Kroll Ontrack, HireRight and Corporate Risk Holdings Employees

Transcription

1 2016 Benefits Guide fr Krll, Krll Ontrack, HireRight and Crprate Risk Hldings Emplyees

2 Cntents New Hires: The Enrllment Prcess... 3 Enrlling fr Benefits Cverage... 3 Health and Welfare Benefits (k) Plan... 3 Health and Welfare Benefits... 4 Benefits Plan Year... 4 Eligibility... 4 Medical Cverage... 6 Teladc Infrmed Health Line Prescriptin Drug Cverage Hspital Indemnity Plan Dental Cverage Visin Cverage Life and AD&D Insurance Flexible Spending Accunts Disability Benefits Shrt-Term Disability Lng-Term Disability Additinal Benefits Adptin Assistance Aut, Hme and Pet Insurance Critical Illness Insurance Business Travel Accident Insurance Educatinal Assistance Emplyee Assistance Prgram Emplyee Discunt Prgram Identity Theft Services Legal Services Transprtatin Spending Accunt Emplyee Benefits Csts Emplyee Benefits Csts cntinued (k) Plan Time Off Prgrams Vacatin Sick Time Hlidays Parental Leave Leave f Absence Prgrams Required Ntices Cntact Infrmatin

3 2016 Emplyee Benefits Guide New Hires: The Enrllment Prcess Rev Review Yur Benefit Optins In this Emplyee Benefits Guide, yu will find an verview f ur emplyee benefit fferings. The Cmpany als prvides a benefits website and call center, called Yur Benefits Center, where yu can btain benefits infrmatin and find answers t yur benefits questins. The benefits website address is On this website, yu can find benefits infrmatin t include benefits summaries, vides that prvide an verview f ur benefits plans, legal dcuments such as benefits summary plan descriptins (SPDs) and regulatry ntices, claim frms, vendr cntact infrmatin and much mre. The Yur Benefits Center phne number is Phne representatives are available Mnday thrugh Friday, 8:00 a.m. ET t 11:00 p.m. ET. Enrlling fr Benefits Cverage Health and Welfare Benefits Within tw weeks f yur hire date, yu will receive an invitatin t make yur benefit electins [excluding 401(k)] frm Yur Benefits Center. Yu have 30 days frm yur date f hire t make yur benefit electins. If yu have questins r yu d nt receive yur enrllment within tw weeks f yur hire date, cntact Yur Benefits Center at Mnday thrugh Friday, 8:00 a.m. ET t 11:00 p.m., ET. 401(k) Plan The 401(k) Plan is managed by Fidelity Investments. Yu will be able t enrll in the 401(k) Plan after yur first paycheck. There is n deadline t enrll yu can enrll at any time. T enrll, cntact Fidelity at r at Fidelity will send enrllment infrmatin t yur wrk address generally after yu receive yur first paycheck. Plan infrmatin is available nline at under the Library tab. 3

4 Health and Welfare Benefits Benefits Plan Year The Benefits Plan Year runs frm January 1, 2016 thrugh December 31, Eligibility Eligible Emplyees Yu are eligible fr the health and welfare benefits described in this guide if yu are a regular emplyee (i.e., nt a temp r intern) scheduled t wrk at least 30 hurs per week. Cverage begins the first f the mnth fllwing yur hire date. If yu are hired n the first f the mnth, yur cverage begins n yur hire date. Eligible Dependents When yu becme eligible fr health and welfare benefits, s d yur eligible dependents. In general, eligible dependents include yur lawful spuse, and children up t age 26. If yur child is mentally r physically disabled, cverage may cntinue beynd age 26, nce prf f the nging disability is prvided. Children may include natural, adpted, fster r stepchildren. When yu enrll a dependent, yu certify that he r she meets the definitin f an eligible dependent under the terms f the plan. If yur dependent lses eligibility fr cverage, yu must cntact the Yur Benefits Center within 30 days f the lss f eligible t remve the dependent frm cverage. If it is determined that yu have enrlled, r failed t remve, smene wh des nt meet the definitin f an eligible dependent, cverage fr the ineligible dependent may be terminated prspectively frm the date f determinatin f ineligibility. If it is fund that yu btained cverage thrugh fraud r an intentinal misrepresentatin f material fact as prhibited by the terms f the benefits plan, cverage fr yu and the ineligible dependent may be rescinded. The Cmpany will prvide yu with 30 days written ntice f the rescissin. Yu may als be subject t disciplinary actin, up t and including terminatin. Dmestic Partner Cverage Benefits are available t the dmestic partners f eligible emplyees. Eligible dmestic partners include: Oppsite-sex dmestic partners f emplyees wh are registered as dmestic partners in a lcal jurisdictin that maintains such a registry. A same-sex dmestic partner. Same-sex dmestic partners must meet all f the fllwing requirements t be eligible: Be at least 18 years ld Nt be legally married, under federal law, t anyne r be part f anther dmestic partnership during the previus 12 mnths Currently be in an exclusive, cmmitted relatinship with each ther that has existed fr at least 12 mnths and is intended t be permanent Currently reside tgether, have resided tgether fr at least the previus 12 mnths, and intend t d s permanently 4

5 2016 Emplyee Benefits Guide Have agreed t share respnsibility fr each ther s cmmn welfare and basic financial bligatins Nt be related by bld t a degree f clseness that wuld prhibit marriage under applicable state law Dmestic partners are nt currently recgnized as Internal Revenue Service (IRS) dependents. Therefre, the prtin f premiums that the Cmpany pays n behalf f yur dmestic partner fr health and dental insurance must be taxed. This prcess is called imputed incme. Als, any payrll cntributins yu pay that are attributable t yur dmestic partner s cverage must be taxed. This means a prtin f yur payrll cntributins will be deducted after taxes are deducted. Changes in Benefit Electins Yur 2016 electins will be in effect thrugh December 31, Each year during Open Enrllment, yu will have the pprtunity t change yur electins fr the fllwing plan year. During Open Enrllment, yu will have the pprtunity t: Add, change r drp benefits cverage Add r remve eligible dependents frm cverage Enrll in a Health Care and/r Dependent Care Flexible Spending Accunt Change yur ptinal life and AD&D insurance amunts Yu can make sme limited changes during the year due t a Qualified Life Event. Hwever, yu must ntify Yur Benefits Center within 30 days f the Qualifying Life Event. Qualified Life Events Include:» Marriage, legal separatin r divrce, r terminatin f a dmestic partnership Birth, legal adptin f a child, r placement f a child with yu fr legal adptin Death f yur spuse, dmestic partner r dependent child Change in yur wrk lcatin r residence (nly if yur current cverage is nt available in the new lcatin r if yu are ffered a plan that yu were nt previusly ffered) Terminatin r cmmencement f emplyment by yu r yur spuse, dmestic partner r dependent Reductin r increase in hurs f emplyment by yu r yur spuse, dmestic partner r dependent An event that causes a spuse, dmestic partner r dependent t lse r gain eligibility. Enrllment in Medicare 5

6 Medical Cverage Yu may enrll in ne f ur tw medical plans available thrugh Aetna: Aetna 2000 with HSA Plan Aetna 1300 with HSA Plan Each plan is a high deductible medical plan with a health savings accunt (HSA). Emplyees (1) enrlled in Medicare; r (2) enrlled in Medicaid; r (3) wh have medical cverage thrugh Tricare; r (4) wh have received VA benefits within the past three mnths are eligible fr the Aetna 2000 and the Aetna 1300 medical plans withut the health savings accunt (HSA) cmpnent. These plans have the same prvisins as the Aetna 2000 and Aetna 1300 Plans with an HSA except there is n HSA with these plans (and cnsequently, n HSA emplyer funding). If yu meet at least ne f the abve fur criteria, cntact Yur Benefits Center fr mre infrmatin n the Aetna 2000 and Aetna 1300 withut an HSA Plans. Health Savings Accunt (HSA) Plans The HSA plans cmbine medical benefits with a tax-favred savings accunt yu wn and can use fr qualified medical expenses. Bth HSA plans prvide: Freedm t chse. Yu may chse any licensed prvider when yu need care; hwever, each plan pays higher benefits and yu pay less ut f yur wn pcket when yu use prviders that are in the Aetna netwrk (i.e., in-netwrk). An emplyer cntributin t yur HSA. Yu can benefit frm an emplyer cntributin t yur HSA when yu cmplete a health assessment and/r bimetric screening in Triple-tax-advantaged savings. Yu can have mney deducted frm yur paychecks and depsited int yur HSA t pay fr current and future health care expenses. In ding s, yu get a triple-tax advantage. Yur cntributins are deducted frm yur paycheck befre incme taxes are withheld s yu pay less in federal and state incme tax. Plus, the mney in yur accunt earns interest tax free and any withdrawals yu make t pay qualified expenses are nt taxed. Cnvenient payment ptins. Yu can use yur Aetna debit card, nline bill payment r the PayFlex mbile app t pay yur medical expenses. Investments. Once yur accunt balance reaches $1,000, yu can chse frm several investment ptins. Prtability. Yu wn yur accunt. Yu can take it with yu if yu leave the Cmpany. Building yur HSA Yu can earn an emplyer cntributin t yur HSA by cmpleting tw healthy actins. Actin 1: Cmplete a health assessment Fr 2016, yu can earn an annual emplyer HSA cntributin f up t $200 fr emplyee nly cverage r $400 fr all ther cverage categries by cmpleting a health assessment. Please nte that if yu enrll in medical cverage after January 1, 2016, the amunt f yur emplyer 6

7 2016 Emplyee Benefits Guide cntributin will be pr-rated based upn bth yur effective date f cverage as well as the cverage tier yu select (e.g., emplyee nly cverage, family cverage, etc.). Fr example, if yur effective date f cverage is April 1, 2016 and yu elect emplyee nly cverage and cmplete the health assessment, yur prrated emplyer cntributin will be: ($200 annually 12 mnths) x 9 remaining mnths = $150 emplyer cntributin. The health assessment is an nline questinnaire that helps yu learn abut yur current health status. Answer questins abut yur lifestyle, health histry and recent health screenings (like the bimetric screening). Yur infrmatin will be kept strictly cnfidential and will nt be shared with the Cmpany. When yu have cmpleted the questinnaire, yu will receive a persnalized health reprt. It is a great way t learn what yu are ding right and where there is rm fr imprvement. Visit and lg in t Aetna Navigatr t cmplete the health assessment. If yu are a first-time user, yu will need t use the Register nw link t get started. Yu can access the health assessment by click n the I want t... Take a Health Assessment which is lcated n the left side n yur Aetna Navigatr hme page. Yu will receive the emplyer cntributin the mnth fllwing the cmpletin f yur health assessment. Yu have until December 15, 2016 t cmplete the nline health assessment in rder t earn an emplyer cntributin t yur HSA. Actin 2: Cmplete a bimetric screening Yu can earn mre dllars tward yur HSA by cmpleting a bimetric screening fr metablic syndrme. The 2016 emplyer cntributin fr cmpleting the bimetric screening will be $200 fr emplyee nly cverage r $400 fr all ther cverage categries. If yu enrll in medical cverage after January 1, 2016, the amunt f the emplyer cntributin will be prrated. The amunt will depend upn bth yur effective date f cverage as well as the cverage tier yu select. Fr example, if yur effective date f cverage is April 1, 2016 and yu elect individual cverage and cmplete the bimetric screening, yur prrated cntributin will be: ($200 annually 12 mnths) x 9 remaining mnths = $150 emplyer cntributin. Metablic syndrme is a set f five risk factrs that, tgether, can set the stage fr serius health prblems. The risk factrs are: high bld pressure, high bld glucse, lw HDL chlesterl, high triglyceride levels and central besity (as indicated by waist measurement). When yu have yur bimetric screening, bld will be drawn and yur bld pressure and waist circumference will be measured. Get yur screening: At a Quest Diagnstics Patient Service Center: T make an appintment, visit and register. Use the registratin key: crprisk. Yur ID is yur date f birth (MM/DD/YYYY) fllwed by the last fur digits f yur Scial Security number. Fr example, if date f birth is December 1, 1982 and Scial Security number is , the ID wuld be Yu may als call

8 9440 t make yur appintment. Please nte that in rder t receive the 2016 emplyer cntributin t yur HSA, yur screening at a Quest Diagnstics Patient Service Center must be cmpleted between January 1, 2016 Nvember 30, At yur dctr s ffice: If yu prefer, yu can visit yur primary care dctr t get screened. Just remember t bring a Physician Results Cllectin frm. Dwnlad the frm frm r frm under Abut My Prgram. T qualify fr the 2016 emplyer HSA cntributin, yur cmpleted Physician Results Cllectin frm must be received by Quest Diagnstics befre Nvember 1, Yu will need t fast (n fd r drink, except water) fr 9 12 hurs prir t yur screening. It is als imprtant t drink plenty f water and take all medicatin accrding t yur regular schedule prir t yur screening appintment. Yu will be able t view yur results n the Quest Diagnstics website 3 5 days after yu cmplete yur screening. Yu will als receive a reprt via regular mail 2 3 weeks after yur screening. All infrmatin btained in yur Blueprint fr Wellness experience is persnal and cnfidential. The emplyer cntributin will be depsited t yur HSA the mnth after yu cmplete the bimetric screening Imprtant facts yu shuld knw abut the HSA The IRS sets the rules fr health savings accunts. Here is what yu shuld knw: Yu may cver a dmestic partner under yur health care plan, but his r her qualified health care expenses may nt be reimbursed frm an HSA unless he r she is a qualified dependent fr federal incme tax purpses. Yu may still cntribute the IRS maximum fr family cverage if yu cver a dmestic partner. While yu may cver adult dependent children fr health care up t age 26 (regardless f student r marital status), using an HSA t pay fr qualified health expenses f dependent children requires he r she be a qualified dependent fr federal incme tax purpses. A qualifying Dependent Child includes: Dependent children up t age 19, r age 24 if full-time students. Dependent children up t the age f 26 that yu will be prviding mre than 50% f this persn s supprt fr the calendar year and can claim them n yur federal incme tax return. Yu cannt use yur HSA t pay the qualified expenses f adult dependent children wh yu dn t claim n yur taxes. Hwever, if yu have an adult child and are unable t claim them n yur taxes, the adult child may pen their wn HSA t pay thse expenses as lng as they are enrlled in an HSA plan. If an adult child pens his r her wn HSA, he r she can cntribute up t the full family amunt f $6,750 fr

9 2016 Emplyee Benefits Guide Sme circumstances that impact yur eligibility fr an HSA: If yu are enrlled in Medicare r Medicaid, yu are nt eligible fr an HSA. Yu cannt have bth an HSA and a health care flexible spending accunt (FSA). If yu have an HSA, yur spuse can nt be enrlled in a health care flexible spending accunt r HRA with his r her emplyer. If yu have ther medical cverage thrugh Tricare r have received VA benefits within the past three mnths, yu cannt have an HSA. If yu have cverage under yur spuse s medical plan, yu cannt have an HSA. The IRS sets limits n ttal cntributin amunts. Fr 2016, these limits* are: $3,350 fr individual cverage $6,750 fr all ther cverage levels Emplyees age 55 r lder during 2016 can make additinal catch-up cntributins up t $1,000. *Cntributin limit includes bth emplyee and emplyer cntributins. Limit des nt include catch-up cntributins, which can be made in additin t the IRS-allwed maximum. If yu are a new hire and cntributed t yur prir emplyer s HSA Plan during the calendar year, please nte that the IRS annual limits apply t the ttal emplyee cntributins yu made under yur previus emplyer s plan and the Crprate Risk Hldings HSA Plan. Steps t use yur HSA at the dctr Here is an example f hw yu receive and pay fr care with a health savings accunt (HSA). Fr mre infrmatin n hw t use yur HSA, see the Get the Mst frm Yur Aetna HSA Plan guide available n Step 1: Receive health care services. If yu use an in-netwrk prvider, yu d nt need t pay at the time the service is prvided. Simply shw yur Aetna ID card and yur prvider will file a claim with Aetna. There are n cpayments in this plan, s please remind the receptinist if yu are asked fr ne. Step 2: Review yur claim after it is prcessed. If yu are registered with Aetna Navigatr, yu will get an when yur claim has been prcessed. Simply click n the link t see an Explanatin f Benefits statement that shws hw the claim was prcessed and hw benefits (if any) were paid. Step 3: Watch fr the bill frm yur dctr. The amunt yu we n yur dctr s bill shuld match yur amunt wed n the Explanatin f Benefits (EOB). If the amunts d nt match, call Aetna Member Services at Step 4: Decide hw t pay the bill. Yu can pay it ut f yur wn pcket r yu can use yur HSA. Remember, yu wn yur HSA s yu decide when t use it. Pay yur current expenses frm yur accunt r let the accunt grw fr future expenses it is yur chice. 9

10 Step 5: Pay the bill. Once funds are available in yur HSA, PayFlex makes it easy t pay fr yur eligible expenses. Use the PayFlex debit card: expenses are paid autmatically and there is n paperwrk t cmplete. Pay yurself back: Pay fr eligible expenses with cash, check r yur persnal credit card. Then withdraw funds frm yur HSA t pay yurself back. Yu can even have yur payment depsited directly int yur checking r savings accunt. Pay yur prvider: Use PayFlex s nline feature t pay yur prvider directly frm yur accunt. Step 6: Keep yur receipts. Make sure t keep yur receipts fr all expenses in case yu are audited by the Internal Revenue Service (IRS). What are qualified medical expenses? Examples include medical plan deductibles and cinsurance, dental care, ver-the-cunter drugs (with a prescriptin), and cntact lenses. Fr a cmplete list, visit and search fr Publicatin 502. Medical Cverage Highlights HSA emplyer funding» Individual» Family Annual deductible» Individual» Family Out-f-pcket maximum***» Individual» Family Dctr s ffice visit» Primary care r specialist In-Netwrk Aetna 2000 Plan (Yu pay) Out-f- Netwrk* In-Netwrk Aetna 1300 Plan (Yu pay) Out-f- Netwrk* In 2016, yur emplyer will cntribute up t these amunts t yur HSA** $400 $400 $800 $800 $2,000 $4,000 $6,000 $12,000 20% after deductible Preventive care 0% Inpatient hspital Emergency care * Subject t reasnable and custmary charges. 20% after deductible 20% after deductible $4,000 $8,000 $12,000 $24,000 40% after deductible 40% after deductible 40% after deductible 20% after deductible $1,300 $2,600 $3,000 $6,000 20% after deductible 0% 20% after deductible 20% after deductible $2,600 $5,200 $6,000 $12,000 40% after deductible 40% after deductible 40% after deductible 20% after deductible **Subject t cmpletin f a health assessment and bimetric screening. The emplyer cntributin t yur HSA will be $200 fr emplyer nly cverage ($400 fr all ther cverages) fr cmpletin f the health assessment and $200 fr emplyee nly cverage ($400 fr all ther cverages) fr cmpletin f the bimetric screening. Amunt will be prrated fr midyear enrllees. ***Out-f-pcket maximum includes the annual deductible. Each individual under family cverage will nly need t meet the individual ut-f-pcket maximum befre the plan cvers that individual s expenses at 100%. 10

11 2016 Emplyee Benefits Guide Teladc As a participant in ne f the Aetna medical plans, yu and yur eligible dependents have 24/7 access t U.S. bard certified dctrs including pediatricians, by phne r vide cnsult*, with Teladc, a service fr Aetna members. Teladc dctrs can: Diagnse yur cnditin Recmmend treatment Prescribe medicatin if necessary Teladc dctrs can treat nn-emergency cnditins like cld and flu symptms, respiratry and ear infectins, skin cnditins, sinus prblems, allergies, brnchitis and mre. Each Teladc cnsultatin is $40 and the fee applies t yur deductible, cinsurance and ut-f-pcket maximums. Yu can use yur HSA t pay fr Teladc services. T register fr Teladc and fr mre infrmatin, g t Yu may call Teladc at TELADOC ( ). * Teladc perates subject t state regulatin and may nt be available in certain states. Infrmed Health Line If enrlled in an Aetna medical plan, yu and yur eligible dependents als have 24/7 access t health infrmatin and answers with Aetna s Infrmed Health Line. Smetimes yu just need a quick answer frm a health care prfessinal r sme reliable advice t use until yu can see yur dctr. With the Infrmed Health Line, yu have this and mre. When yu call the tll-free number, yu will talk with a trained, registered nurse wh can: Answer health-related questins and explain medical terms Help yu decide whether r nt t g t a hspital emergency rm Tell yu hw t take care f a health prblem until yu can get t a dctr Give yu gd questins t ask yur dctr and help yu make the mst f ffice visits Yu may call the Infrmed Health Line at Prescriptin Drug Cverage If yu enrll in the Aetna 2000 r Aetna 1300 medical plan, yu will als receive prescriptin drug benefits administered thrugh CVS Caremark. Thrugh CVS Caremark, yu may fill yur prescriptins: At participating retail pharmacies. CVS Caremark is ne f the cuntry s largest pharmacy benefit managers, giving yu access t a netwrk f apprximately 68,000 pharmacies, including mre than 7,000 CVS pharmacy stres where yu can fill shrt-term prescriptins. Using the mail-rder service. After yu enrll, yu will receive infrmatin abut using CVS Caremark s mail-rder service. Yu can rder up t a 90-day supply f medicatin and request refills nline, by phne r by using a paper rder frm. Once yu are enrlled, yu can register at t use the mail-rder service, get 11

12 health infrmatin, use nline tls and get answers t medicatin questins. Value Frmulary A frmulary is a list f medicines that are cvered under the prescriptin drug plan. The Cmpany s prescriptin drug plan is called a Value Frmulary because the medicatins cvered under the Plan are high value-- they prvide great health benefits and are priced right. The Value Frmulary cvers generics. And, sme brand name drugs are cvered when a generic alternative is nt available. A list f cvered drugs is available n the CVS s Caremark website at Yu may als call CVS Caremark anytime at fr infrmatin. If yur current medicatin is nt n the Value Frmulary, ask yur dctr t write a prescriptin fr an alternative that is n the Value Frmulary. Yu can cntinue t take the nn-cvered medicatin; hwever, yu will pay the full cst f the medicatin. If yur dctr believes yur current nn-cvered medicatin is medically necessary, have yur dctr cmplete the CVS Tier Exceptin Frm and return it t CVS Caremark at the fax number n the frm. A cpy f the frm may be btained n Hw yur prescriptin drug benefits wrk with yur medical deductible Until the deductible is met, yu pay the full cst f any prescriptin. Once the deductible is met, yu then pay a cpay (flat fee) f $5 fr generic medicatins and cinsurance (a percentage) fr brand-name medicatins that are n the Plan s Value Frmulary. The Maintenance Chice Prgram Yu can fill yur 90-day supply f maintenance medicatins at a CVS pharmacy r thrugh mail rder service. Yu save mney because the cst f a 90-day supply is essentially the same as tw mnths f a 30-day supply at the retail pharmacy price. Aetna 2000 r 1300 Plan (Yu pay)* Prescriptin Drug Highlights In-Netwrk Out-f-Netwrk Prescriptin drug cpays and cinsurance apply tward deductible and ut-f-pcket maximums Participating retail pharmacy (30-day supply)» Generic» Select brand $5 20% ($25 min/$50 max) Nt cvered Nt cvered Mail-rder service (90-day supply)» Generic» Preferred brand $10 20% ($50 min/$100 max) Nt cvered Nt cvered * After deductible is met. 12

13 2016 Emplyee Benefits Guide Hspital Indemnity Plan There are tw Hspital Indemnity Plan (HIP) ptins: HIP 2000 HIP 1300 The HIP prvides extra help when yu r a cvered family member needs inpatient hspital care. It pays a cash benefit directly t yu that is in additin t any benefits yu may receive frm yur medical plan. And, there is n additinal paperwrk r claim filing required if yu are enrlled in the Aetna 2000 r Aetna 1300 medical plans. Tw types f benefits are paid: A lump-sum benefit f $1,300 (if enrlled in the HIP 1300) r $2,000 (if enrlled in the HIP 2000) fr ne stay in the hspital during the cverage year; plus A daily benefit f $100 per day, fr up t 100 days that a member is an inpatient in a hspital per cverage year. Which HIP yu may enrll in depends upn yur medical plan electin: If yu are enrlled in the Aetna 2000 medical plan, yu may nly enrll in the HIP If yu are enrlled in the Aetna 1300 medical plan, yu may nly enrll in the HIP If yu d nt have medical cverage thrugh the Cmpany (e.g., yu are enrlled in yur spuse s medical plan), yu may enrll in either HIP ptin. Yu pay fr this benefit thrugh after-tax payrll deductins during the year. This benefit can be used t help pay ut-f-pcket expenses including yur plan s deductible. Here is an example f hw it can wrk: Jan s Stry Jan enrlls in the Aetna 2000 with HSA Plan when hired, alng with the HIP In April, she unexpectedly needs back surgery. She ends up in the hspital fr seven days. Aetna receives and prcesses the claim fr Jan s hspital stay. She desn t need t send a separate claim fr her HIP benefit. She receives a separate check in the amunt f $2,700 [$2,000 plus $700 (seven days at $100/day)] frm Aetna fr her HIP benefit. She uses the mney t help pay her share f hspital csts. This example is fr illustrative purpses nly and des nt reflect events experienced by an actual participant. Please nte: The Hspital Indemnity Plan des nt prvide cmprehensive medical cverage. It is a basic r limited benefits plicy and is nt intended t replace yur regular medical plan cverage. 13

14 Dental Cverage Yu have the chice f tw dental plan ptins available thrugh Delta Dental f Virginia: Basic Dental Plan Premium Dental Plan Yu can receive care frm dentists wh belng t the Delta PPO Netwrk r the Premier Netwrk. These dentists accept Delta Dental s payment plus any cst sharing, as shwn in the chart belw. Additinally, dentists in the PPO Netwrk have agreed t a lwer reimbursement rate than thse wh participate in the Premier Netwrk; therefre, yu will be able t receive mre dental services befre reaching the annual plan maximum. Yu als may use nnparticipating dentists (i.e., ut-f-netwrk dentists) and still receive benefits frm the plan (see chart). In this case, yu must pay fr services at the time yu receive them and then submit a claim fr reimbursement. Nnparticipating dentists may bill yu the difference between the amunt they charge fr a service and Delta Dental s allwed charge fr the cvered service (als called reasnable and custmary). Dental Plan Highlights Deductible**» Individual» Family Preventative (exams, regular cleanings, peridntal cleanings, x-rays) Basic (fillings, rt canals) Majr Services (crwns, dentures, implants) Annual benefit maximum fr abve services*** Orthdntia (nly fr dependent children under the age f 19) Lifetime benefit maximum fr rthdntia**** Basic Dental Plan (Yu Pay) PPO Netwrk $50 $150 Premier Netwrk and Out-f- Netwrk* $50 $150 Premium Dental Plan (Yu Pay) PPO Netwrk $50 $150 Premier Netwrk $50 $150 Out-f- Netwrk* $50 $150 0% 50% 0% 0% 20% 20% 50% 10% 20% 20% 50% 50% 40% 50% 50% $1,000 $750 $2,000 $2,000 $750 Nt Cvered Nt Cvered 50% 50% 50% N/A N/A $2,000 $2,000 $1,000 * Subject t reasnable and custmary charge. ** Des nt apply t preventive care. ***The in-netwrk and ut-f-netwrk deductibles and annual benefit maximums are nt separate and amunts applied t ne will apply t the ther. **** Des nt apply t annual benefit maximums 14

15 2016 Emplyee Benefits Guide Visin Cverage Yu have a chice f tw visin plan ptins available thrugh VSP: VSP Basic Plan VSP Premium Plan VSP has a large natinwide netwrk f visin prviders. Bth visin plans give yu access t these quality visin prviders. Hwever, yu d have the chice t see nn-participating prviders. Keep in mind yur cverage will be less if yu receive services utside f the VSP netwrk and yu will be required t submit a claim frm fr reimbursement. Visin Cverage Hw ften (in mnths) the plan will pay benefits fr:» Exams/eyeglass lenses/frames» Children s cvered visin expenses In-Netwrk 12/12/24 12/12/24 VSP Basic Plan Out-f- Netwrk* 12/12/24 12/12/24 VSP Premium Plan In-Netwrk 12/12/24 12/12/24 Out-f- Netwrk* 12/12/24 12/12/12 Exam $10 cpay Up t $45 $10 cpay Up t $45 Eyeglass lenses Single Bifcal Trifcal Frame allwance Cntact lens allwance (in lieu f glasses) $20 cpay $20 cpay $20 cpay $150 $80 at Cstc Up t $30 Up t $50 Up t $65 Up t $70 $10 cpay $10 cpay $10 cpay $150 $80 at Cstc Up t $30 Up t $50 Up t $65 Up t $70 $120 Up t $105 $150 Up t $105 *Dllar amunts listed under ut-f-netwrk are the maximum the plan will pay. 15

16 Life and AD&D Insurance Life and accidental death and dismemberment insurance shuld be an imprtant part f yur financial planning n matter what yur age. The Cmpany prvides Basic Life and Basic Accidental Death and Dismemberment (AD&D) cverage t all eligible emplyees at n cst. Basic Life Insurance Yu will autmatically receive basic life insurance cverage in the amunt f 1x yur annual base salary, with a minimum f $50,000. At age 70, the benefit amunt drps t 50% f yur annual base salary. Yur life insurance is administered by Prudential. Cmpany-paid life insurance in excess f $50,000 is cnsidered a taxable benefit per Sectin 79 f the Internal Revenue Cde. Only the premium n the benefit amunt abve $50,000 is subject t imputed incme and will be reflected n yur paystub. Yu may chse t have yur basic life insurance limited t $50,000. Basic AD&D Insurance In additin t life insurance, the Cmpany prvides insurance that pays a benefit if yu die r are dismembered in an accident. Yur cverage is 1x yur annual base salary, with a minimum f $50,000, and there is n cst t yu. At age 70, the benefit amunt drps t 50% f yur annual base salary. AD&D insurance is administered by Prudential. Supplemental Emplyee Life Insurance If yu are eligible fr basic life insurance, yu may als purchase supplemental emplyee life insurance up t 6x yur annual base salary (up t $1 millin). At age 70, the benefit amunt drps t 50% f yur electin. Yu will have t submit and pass evidence f insurability (as defined by Prudential) if (1) the ttal cverage amunt is mre than the lesser f (a) 3x yur annual base salary r (b) $350,000; and (2) during the annual Open Enrllment perid, yu (a) elect cverage fr the first time; r (b) elect t increase yur cverage by mre than ne level. Per $1,000 f Cverage Emplyee s age Bi-weekly Rate <35: $ : $ : $ : $ : $ : $ : $ : $ : $ What is Evidence f Insurability? Evidence f insurability is a prcess where Prudential reviews yur medical infrmatin and either apprves r denies yur cverage. Usually, this is a questinnaire; hwever, it may include reviewing medical recrds and a physical exam. 16

17 2016 Emplyee Benefits Guide Spuse r Dmestic Partner Life Insurance Yu can purchase up t $300,000 (in increments f $10,000) f life insurance fr yur spuse r dmestic partner. The amunt may nt exceed 100% f yur supplemental emplyee life insurance amunt. Yu will have t submit and pass evidence f insurability (as defined by Prudential) if (1) yu elect a ttal cverage amunt greater than $50,000; and (2) during the annual Open Enrllment perid, yu (a) elect cverage fr the first time; r (b) elect t increase yur cverage by mre than ne level.. Emplyee s Age* Per $1,000 f Cverage Bi-weekly Rate <35: $ : $ : $ : $ : $ : $ : $ : $ : $ *Spuse life rates are based n the emplyee s age. Once the emplyee reaches age 70, the spuse life benefit will reduce t 50%. Child Life Insurance Yu can purchase frm $5,000 t $20,000 f cverage fr yur child(ren) wh are unmarried, depend n yu fr at least 50% f their supprt and are under age 26. Evidence f insurability is nt required. Cverage Amunt Child Life Insurance Bi-weekly Rate $5,000 $0.023 $10,000 $0.046 $15,000 $0.069 $20,000 $0.092 Supplemental AD&D Insurance Yu have the ptin t elect supplemental accidental death and dismemberment (AD&D) cverage fr yurself and yur dependents. Yu have tw chices fr cverage: Yu Only Yu + Family Evidence f insurability is nt required. If yu elect cverage fr yurself nly, vluntary AD&D pays a benefit in additin t the cmpanypaid benefit. Yu can chse frm 1x t 6x yur annual base salary, up t $1 millin. 17

18 If yu elect the emplyee + family ptin, yur spuse r dmestic partner and/r child(ren) will be cvered under this electin, but the benefit amunt may vary. Per $1,000 f Cverage Cverage Bi-weekly Rate Emplyee Only $ Family $ Flexible Spending Accunts Flexible Spending Accunts (FSAs) allw yu t set aside mney tax-free frm yur paychecks. Yu then use that tax-free mney when yu have certain everyday health care r dependent care related expenses. There are tw types f FSAs available: Health Care FSA Use pre-tax dllars t pay fr eligible health care expenses including: Medical, dental and visin cpays and cinsurance Prescriptin r ver-the-cunter drugs (with a prescriptin) Glasses, cntacts and LASIK surgery Dependent Care FSA Use pre-tax dllars t pay fr eligible dependent care expenses fr yur children under age 13 and fr qualifying lder relatives, including dependent parents, if claimed as a dependent n yur Federal tax return. Care must be prvided s that yu and yur spuse can wrk, attend schl r lk fr a jb. Nte fr health spending accunt (HSA) medical plan participants: If yu participate in an HSA medical plan, yu cannt cntribute t the Health Care FSA. Yu can cntribute t the Dependent Care FSA. Hw FSAs Wrk 1. Yu elect t set aside a certain amunt f mney in yur FSA(s) fr 2016 based n the guidelines belw. Maximum Electin Amunt Health care FSA: $2,550 Dependent care FSA: $5,000 ($2,500 if married and filing separate tax returns) 2. Yur electin amunt is deducted frm yur paychecks equally thrughut the year. The amunt will remain in effect thrugh December 31 unless yu have a qualified life event. 3. Yu use the mney yu set aside t pay yurself back fr eligible health care and/r dependent care expenses. Imprtant! Yu must incur qualified expenses t cver the mney in yur accunt(s) by December 31, 2016, and submit any claims fr reimbursement by March 31, 2017; therwise, yu lse any remaining mney. Leftver mney cannt be rlled ver int the next plan year. D nt wrry! Just determine hw much yu spent ut-f-pcket n health care r dependent care expenses this year. That will help yu mre accurately estimate yur ut-f-pcket expenses. 18

19 2016 Emplyee Benefits Guide Disability Benefits Shrt-Term Disability Shrt-term disability (STD) cverage is prvided t yu at n cst. Yu becme eligible fr this cverage 90 days after yur date f hire. The prgram pays a benefit equal t 60%* f yur annual base salary.** Benefits start after yu have been ut f wrk fr five scheduled wrk days.*** Benefits may cntinue fr up t 182 calendar days in a 12-mnth perid. Maternity STD benefits cver eligible emplyees fr a perid f 10 weeks. Incme Replacement When Benefit Begins (frm date f disability) Maximum Benefit Perid Tax Treatment Shrt-Term Disability Benefits 60% f weekly base salary* 6 th regularly scheduled wrk day*** 182 calendar days in a 12-mnth perid Emplyer-Paid / Benefit Taxable * Emplyees classified as Vice President r abve will be eligible t receive 100% f base pay. ** Benefits are integrated with any amunt yu receive r are entitled t receive under any state cmpulsry benefit act r law, such as state disability r wrkers cmpensatin. *** Emplyees classified as Vice President r abve will be eligible t begin cllecting shrt-term disability benefits n the first regularly scheduled wrkday f cntinuus disability. Lng-Term Disability Lng-term disability (LTD) insurance picks up when STD benefits end. LTD insurance will replace 60%* f yur mnthly base salary up t a maximum mnthly benefit f $25,000. Yu pay fr this cverage thrugh after-tax payrll deductins. Because yu pay fr LTD, yu will nt be taxed if yu receive LTD benefits in the future. If yu have LTD cverage thrugh anther surce and d nt want LTD cverage thrugh the Cmpany, call Yur Benefits Center at t discuss yur ptins. The annual rate fr cverage is $0.26 per $100 f yur base salary. Here is an example f hw the cst f LTD insurance is calculated: Yur base salary is $60,000. The premium rate is $0.26 per $100 f base salary Yur bi-weekly payrll deductin will be $6.00 ($60, =$600x$ =$6.00) Lng-Term Disability Benefits Incme Replacement 60% f mnthly base salary up t a maximum mnthly benefit f $25,000* When Benefit Begins (frm date f disability) 180 th day f absence Maximum Benefit Perid Generally until Scial Security Retirement Age Tax Treatment Emplyee-Paid / Benefit Nn-Taxable *Benefits are integrated with any amunt yu receive r are entitled t receive under any state cmpulsry benefit act r law, such as state disability, scial security disability, r wrkers cmpensatin. 19

20 Additinal Benefits Adptin Assistance T help emplyees wh chse t adpt, the Cmpany ffers an adptin assistance benefit. Reimbursement f allwable expenses assciated with an adptin will be made up t a maximum reimbursement f $2,500 per child nce the adptin is final. If bth parents are emplyed by a Crprate Risk Hldings cmpany, they may nly receive a cmbined reimbursement f $2,500 per child. Aut, Hme and Pet Insurance Yu can btain special grup discunts n aut and hme insurance frm MetLife Aut & Hme. Many plicies are available, including thse beynd yur car r hme, such as thse fr cnds, rental apartments and yur RV. Special grup discunts are als available n pet insurance ffered thrugh VPI Pet Insurance. Frm wellness care t significant medical issues, VPI is the smart way t prtect yur pet s health and yur pcketbk. Yu may enrll in any f these benefits at any time. T enrll r fr additinal infrmatin, visit the MetLife website at r call MetLife at GET-MET 8 ( ). Critical Illness Insurance Critical illness insurance prtects yu r a cvered family member if yu face high ut-f-pcket expenses resulting frm a serius medical cnditin. The prgram, which is administered by MetLife, prvides a lump-sum benefit payment that can be used t meet day-t-day expenses ranging frm cpays and deductibles t child care. Cvered cnditins include cancer, bne marrw and rgan transplants, heart attack, strke and kidney failure. A pre-existing cnditin clause des nt apply. A cmplete list f cvered cnditins is available n Business Travel Accident Insurance The Cmpany s business travel plan prvides insurance benefits and travel assistance services fr emplyees while traveling n business. Services are available 24 hurs a day, 7 days a week, anywhere in the wrld. The plan prvides: Assistance with lst items such as baggage, passprt and travel dcuments. Travel medical assistance including emergency medical evacuatin transprtatin Security assistance such as evacuatin frm a natural disaster r security situatin A death benefit f 2x annual salary with a minimum benefit f $100,000 up t a maximum benefit f $1,000,000 in the event f an accidental lss f life while cnducting business travel. N enrllment is necessary. Fr mre infrmatin n the Business Travel Accident plan, visit 20

21 2016 Emplyee Benefits Guide Educatinal Assistance The Educatin Assistance Prgram encurages persnal and prfessinal develpment thrugh frmal educatin. Full-time emplyees wh have been emplyed fr at least six mnths are eligible fr up t $5,250 in reimbursement f jb/career-related curses taken at CHEA-accredited institutins. Fr additinal infrmatin, refer t the Educatinal Assistance Prgram Plicy which is available n Emplyee Assistance Prgram The Cmpany s Emplyee Assistance Prgram (EAP) is administered by CmPsych Guidance Resurces. This prgram prvides: Cnfidential cunseling n persnal issues such as relatinships, parenting, stress and jb pressures. Wrk-life resurces t help with finding child care, planning fr cllege, purchasing a car, adpting a child, planning a vacatin and ther needs. Legal resurces and cnsultatin n issues such as divrce, real estate transactins, bankruptcy and civil lawsuits. Financial infrmatin and tls t help with debt, retirement planning, credit card prblems, taxes and mre. Supprt fr expectant and new parents n financial issues, child care, wrk-life balance, legal questins and emtinal cncerns. On CmPsych s website, yu will find infrmatin n a variety f tpics. The EAP is available t yu and yur eligible dependents at n cst. N enrllment is required. Call: (TDD: ) Visit: T register, use cmpany Web ID: crprisk Emplyee Discunt Prgram The Cmpany has arranged fr emplyees t receive special discunts and prmtins at a variety f establishments including cell phne discunts, car purchase and rental prgrams, cmputers and electrnics discunts and much mre. These discunts are available t eligible emplyees. Fr additinal infrmatin n emplyee discunts, visit the Discunts page f the Crprate Risk Hldings Intranet. Identity Theft Services T prtect yu and yur family frm the financial damage and emtinal tll f identity theft, LegalShield ffers IDShield. Services and features include the fllwing and mre: Credit and security mnitring f yur persnally identifiable infrmatin Unlimited access t identity cnsultatin services prvided by Krll s licensed private investigatrs Lst/stlen wallet assistance In the event yur identity is stlen, identity restratin services thrugh Krll. 21

22 IDShield cvers: Yu Yur spuse r qualified dmestic partner Up t eight dependent children under the age f 18 Legal Services Legal services are available at affrdable rates frm LegalShield. Services available t yu include unlimited phne cnsultatins, cntract and dcument review, will and living will preparatin, mrtgage dcument assistance, divrce and separatin, adptin, name changes and mre. LegalShield cvers: Yu Yur spuse r qualified dmestic partner Any never-married dependent children under 21 years f age wh are permanent residents f yur husehld Any never-married dependent children under 23 years f age wh are full-time cllege students Any child under 18 years f age fr whm yu are legal guardian Any dependent child, regardless f age, wh is incapable f sustaining emplyment by reasn f mental r physical handicap and is chiefly dependent upn yu fr supprt Yu pay fr this benefit thrugh payrll deductins and the bi-weekly rate is $7.27. Transprtatin Spending Accunt Transit benefits, administered by WageWrks, let yu set aside befre-tax dllars t pay fr emplyment-related ut-f-pcket transprtatin expenses. There are tw ptins available: mass transit r parking. Yu may enrll in ne r bth ptins thrugh the WageWrks website: Visit and lg in r click n First Time User? Register with WageWrks nw. When registering, yu will need t enter yur first name, last name, date f birth, zip cde and ID cde (last fur digits f yur Scial Security number). Review the User Agreement and Cnfirm yur acceptance. Select the Cmmuter tab t learn mre abut that prgram r place yur rder. Enrllments, changes r cancellatins must be made by the 4th f the mnth in rder t be effective the fllwing mnth. 22

23 2016 Emplyee Benefits Guide Emplyee Benefits Csts We knw that ur emplyees have very different needs. Our benefits prgram is flexible allwing yu t find the best cverage fr yu and yur family s needs. The table belw represents yur 2016 bi-weekly payrll cntributin amunts fr the listed plans: Aetna Aetna Aetna* Aetna* 2000 with HSA Medical Plan 1300 with HSA Medical Plan 2000 withut HSA Medical Plan 1300 withut HSA Medical Plan Aetna HIP 2000 Aetna HIP 1300 Delta Dental Delta Dental Visin Service Plan (VSP) Visin Service Plan (VSP) Basic Dental Plan Premium Dental Plan Basic Visin Plan Premium Visin Plan Emplyee Only $23.28 Emplyee + Spuse/DP $61.44 Emplyee + Child(ren) $46.31 Emplyee + Family $90.81 Emplyee Only $64.20 Emplyee + Spuse/DP $ Emplyee + Child(ren) $ Emplyee + Family $ Emplyee Only $11.75 Emplyee + Spuse/DP $38.36 Emplyee + Child(ren) $30.15 Emplyee + Family $56.19 Emplyee Only $41.12 Emplyee + Spuse/DP $99.81 Emplyee + Child(ren) $75.39 Emplyee + Family $ Emplyee Only $14.95 Emplyee + Spuse/DP $31.40 Emplyee + Child(ren) $29.90 Emplyee + Family $46.35 Emplyee Only $11.62 Emplyee + Spuse/DP $24.41 Emplyee + Child(ren) $23.25 Emplyee + Family $36.03 Emplyee Only $8.14 Emplyee + Spuse/DP $14.54 Emplyee + Child(ren) $14.98 Emplyee + Family $22.96 Emplyee Only $13.03 Emplyee + Spuse/DP $22.47 Emplyee + Child(ren) $23.78 Emplyee + Family $37.28 Emplyee Only $2.97 Emplyee + Spuse/DP $5.94 Emplyee + Child(ren) $6.34 Emplyee + Family $10.14 Emplyee Only $4.44 Emplyee + Spuse/DP $8.88 Emplyee + Child(ren) $9.50 Emplyee + Family $15.18 Prudential Basic Life and AD&D Emplyee Only Emplyer-Paid Prudential Supplemental Life Insurance and Vluntary AD&D Emplyee, Spuse, Children Liberty Mutual Lng-term Disability Emplyee Only Varies by electin $0.260 per $100 f cvered salary per year based n yur annual pay Legal Shield Legal Services Emplyee, Spuse, Children Varies by electin Legal Shield IDShield Emplyee, Spuse, Children Varies by electin 23

24 Emplyee Benefits Csts cntinued Vendr Cverage Categry Bi-Weekly Amunt MetLife Critical Illness Insurance Emplyee, Spuse, Children Varies by electin * Eligibility fr the Aetna medical plans withut an HSA is limited t emplyees enrlled in Medicare, Medicaid, Tricare r wh have received VA benefits within the past three mnths 401(k) Plan A 401(k) is a retirement savings plan. Thrugh this plan, yu may elect t have a percentage f yur paycheck depsited t a retirement savings accunt with Fidelity Investments. The mney is deducted frm yur paycheck befre federal, and in mst states, state and lcal incme taxes and is nt subject t taxes until yu withdraw the funds frm yur accunt. Eligibility All full-time and part-time emplyees, interns and temprary emplyees are eligible t enrll in the Plan. Residents f Puert Ric hwever, are nt eligible t participate in the Plan. Yu are eligible upn emplyment t enrll and there is n deadline t enrll. Emplyee Cntributins Yu may elect t have frm 1% t 60% f yur eligible grss cmpensatin withheld frm each paycheck n a pretax basis up t the annual IRS limit f $18,000 fr If yu are r will be 50 years ld r lder in 2016, yu are eligible t make additinal "catch-up cntributins" up t the IRS annual limit f $6,000 fr Catch-up cntributins are nt eligible fr emplyer matching cntributins. If yu are a new hire and cntributed t yur prir emplyer s 401(k) Plan during the calendar year, please nte that the IRS annual limits apply t the ttal emplyee cntributins yu made under yur previus emplyer s plan and ur Cmpany s 401(k) Plan. Emplyer Matching Cntributins The Cmpany will match 100% f yur first 4% in eligible earnings deferred each pay perid. Catch-up cntributins are nt eligible fr emplyer matching cntributins. All emplyees will be immediately 100% vested in emplyer matching cntributins. Example f hw the match wrks: Ashley earns $2,000 per paycheck and elects t cntribute 4% t the 401(k) Plan $2,000 x.04 = $80 (Ashley s cntributin) $2,000 x.04 = $80 (emplyer match) $160 ttal cntributin depsited t Ashley s 401(k) accunt each paycheck Rllvers Yu may rll ver yur pre-tax assets frm anther qualified retirement plan, such as a frmer emplyer s 401(k) Plan, at any time. The 401(k) Plan rllver frm and instructins can be fund in the 401(k) Plan Enrllment Guide which is available n r by cntacting Fidelity Investments at Investments The Plan ffers a variety f investments t include Fidelity and nn-fidelity mutual funds. 24

25 2016 Emplyee Benefits Guide Enrllment T enrll, g t Fidelity s website at Or cntact Fidelity by phne at Yur 401(k) paycheck deductins, and the emplyer match, will begin generally ne t tw paychecks fllwing yur enrllment. Yu may change, stp r re-enrll in the 401(k) Plan at any time. A cpy f the 401(k) enrllment guide and Summary Plan Descriptin is available n Fidelity s website at r at Yu may cntact Fidelity at with questins. Time Off Prgrams Vacatin The Cmpany is cmmitted t prviding emplyees with pprtunities t take time ff frm wrk t rest, relax, rejuvenate r t spend time with their families. The Cmpany s vacatin plicy is gverned by the state laws and requirements fr yur primary place f wrk: Fr emplyees whse primary place f wrk IS NOT Califrnia r Mntana: Regular full-time and regular part-time emplyees scheduled t wrk 20 r mre hurs per week whse primary place f wrk is nt Califrnia r Mntana are eligible t earn paid vacatin. Emplyees scheduled t wrk less than 20 hurs per week, as well as interns and temprary emplyees, are nt eligible t earn paid vacatin. At the beginning f each year (January 1), eligible emplyees will receive their Vacatin hurs fr the calendar year. Full Years f Service as f January 1 Emplyees Scheduled t wrk 80 Hurs Per Pay Perid 25 Emplyees Scheduled t wrk at least 60 but less than 80 Hurs Per Pay Perid Emplyees Scheduled t wrk at least 40 but less than 60 Hurs Per Pay Perid New Hire - up t 2 years 120 hurs 90 hurs 120 hurs 60 hurs 90 hurs 2 years up t 5 years 160 hurs 120 hurs 160 hurs 80 hurs 120 hurs 5 years r mre 200 hurs 150 hurs 200 hurs 100 hurs 150 hurs Emplyees wh are hired after January 1 f any year will be eligible t receive a prrated amunt f Vacatin fr that calendar year based n their date f hire. Vacatin hurs fr new hires Mnth f Hire scheduled t wrk 80 hurs per pay perid January 120 February 110 March 100 April 90 May 80 June 70 July 60 August 50 September 40

26 Vacatin hurs fr new hires Mnth f Hire scheduled t wrk 80 hurs per pay perid Octber 30 Nvember 20 December 10 Emplyees are nt eligible t carryver any unused Vacatin Time frm ne calendar year t the fllwing calendar year, unless therwise required by law. Any unused vacatin at the end f a calendar year will n lnger be available fr use and any unused vacatin will nt be paid upn terminatin f emplyment fr any reasn, unless therwise required by law. Emplyees may nt use paid vacatin t extend a terminatin effective date. Emplyees whse primary place f wrk is either Califrnia r Mntana: The vacatin plicy is based n yur full years f service as f January 1. Emplyees whse primary place f wrk is either Califrnia r Mntana and are scheduled t wrk 80 hurs per pay perid will accrue and maintain vacatin hurs as fllws: Full Years f Service as f January 1 Vacatin hurs fr emplyees scheduled t wrk 80 hurs per pay perid Maximum Banked Vacatin Hurs (1.5 x annual accrual rate) New Hires up t 5 years 120 hurs 180 hurs 5 years r mre 160 hurs 240 hurs Emplyees scheduled t wrk at least 40 r mre hurs per pay perid but less than 80 hurs per pay perid will accrue prrated vacatin hurs based n the number f regularly scheduled wrk hurs. Emplyees wrking less than 40 hurs each pay perid are nt eligible fr paid Vacatin Time. Emplyees will earn hurs each pay perid at a rate equal t apprximately 1/24th their current 12- mnth vacatin earning rate. Earnings will cntinue until the emplyee s unused vacatin hurs reach his/her banked vacatin hurs maximum, at which time the emplyee s vacatin earning capability will be suspended. Earned vacatin hurs fr the pay perid are depsited t the emplyee s vacatin hurs bank each payday they are earned. The determinatin f hw many hurs an emplyee may earn will be made after reducing the Vacatin bank fr Vacatin hurs used thrugh the end f the current pay perid. Scheduling Vacatin Time Regardless f an emplyee s primary place f wrk, an emplyee requesting Vacatin Time shuld prvide his/her manager with a minimum f tw business days ntice f intentin t take Vacatin Time. Vacatins will be scheduled s as t prvide adequate cverage r jb and staff requirement. It is the respnsibility f the manager t apprve the scheduling f time ff, taking int cnsideratin business requirements. Unscheduled Vacatin Time can create business interruptin and shuld be avided whenever pssible; hwever, in the event this is necessary, emplyees shuld ntify their supervisr within ne hur f the start f their shift. Excessive use f unscheduled Vacatin Time may lead t crrective actin. 26

27 2016 Emplyee Benefits Guide Sick Time Eligible emplyees scheduled t wrk 80 hurs per pay perid may take up t 40 hurs f paid Sick time per calendar year, regardless f years f service. Emplyees scheduled t wrk mre than 20 hurs, but less than less than 80 hurs per pay perid will receive Sick Time prrated based n the number f scheduled wrk hurs per pay perid. Emplyees scheduled t wrk less than 20 hurs per week, as well as intermittent, cntingent, and temprary emplyees, are nt eligible fr Sick Time, unless required by law. Emplyees eligible fr sick time wh are hired after January 1 will receive a prrated amunt f sick time fr the remainder f the calendar year based n hire data as fllws: Mnth f Hire January, February 40 March, April 32 May, June, July 24 August, September 16 Octber, Nvember, December 8 Cnditins fr Using Sick Time Sick Time may be used fr illness r injury f the emplyee and fr emplyee health and dental care prvider appintments when it is nt pssible t schedule appintments during nn-wrking hurs. Sick Time used fr health care prvider appintments, which are nt medically urgent, must be scheduled in advance and apprved by the supervisr. Sick Time may als be used fr illness r health and dental prvider appintments f a member f the emplyee s husehld, fr the waiting perid fr Shrt-Term Disability, r fr FMLA r Persnal LOA fr medical reasns. When circumstances warrant, the Cmpany may require a medical statement abut whether an emplyee's presence at wrk pses a risk t self r thers. In case f illness r injury which is expected t cntinue beynd the Sick Time alltted, the Shrt- Term Disability and/r FMLA plicies may be applicable. Request fr Sick Time Sick Time shuld be requested in advance when pssible (e.g., elective surgery, medical appintments). In the case f illness, injury, emergency, r any ther absence nt apprved in advance, emplyees are required t infrm the supervisr f the circumstances prir t the beginning f their shift. Exempt emplyees may take Sick Time in increments f ne hur. Nn-exempt emplyees may take Sick Time in increments f 15 minutes. *Time ff prgrams can vary by state. Refer t the vacatin and sick plicies n the Crprate Risk Hldings Intranet fr details. Hlidays Regular full-time and regular part-time emplyees scheduled t wrk 20 r mre hurs per week are eligible fr paid hlidays. Hliday hurs fr emplyees scheduled t wrk less than 40 hurs per week will be prrated based n the number f scheduled wrk hurs per week. 27

28 Emplyees scheduled t wrk less than 20 hurs per week, as well as intermittent, cntingent, and temprary emplyees, are nt eligible fr paid hlidays, unless required by law. The 2016 hliday schedule fr Krll, Krll Ontrack and Crprate Risk Hldings emplyees is as fllws: 9 HOLIDAYS & 1 FLOATING HOLIDAY New Year's Day - Friday, January 1 Martin Luther King Jr. Birthday - Mnday, January 18 Presidents' Day - Mnday, February 15 Memrial Day -- Mnday, May 30 Independence Day -- Mnday, July 4 Labr Day -- Mnday, September 5 Thanksgiving Day -- Thursday, Nvember 24 Day after Thanksgiving -- Friday, Nvember 25 Christmas Day -- Mnday, December 26 1 Flating Hliday (¹)(²) (1) Flating hliday must be used during calendar year 2016 r it will be frfeited n 1/1/2017. Will nt be frfeited fr CA emplyees. (2) Must be hired prir t Dec. 15, 2016 t be eligible fr flating hliday The 2016 hliday schedule fr HireRight emplyees is as fllws: 8 HOLIDAYS New Year's Day - Friday, January 1 Martin Luther King Jr. Birthday - Mnday, January 18 Memrial Day -- Mnday, May 30 Independence Day -- Mnday, July 4 Labr Day -- Mnday, September 5 Thanksgiving Day -- Thursday, Nvember 24 Day after Thanksgiving -- Friday, Nvember 25 Christmas Day -- Mnday, December 26 2 FLOATING HOLIDAYS(¹)(²) Emplyees with a wrk lcatin f Califrnia r Mntana must use the fllwing schedule fr flating hlidays: Flating Hliday Must be used n r between: 1 st Flating Hliday Jan. 1 - June 30, nd Flating Hliday July 1 - Dec. 31, 2016 Emplyees with a nn-califrnia/mntana wrk lcatin may use the 2 flating hlidays n r between Jan. 1 Dec. 31, 2016 (1) Flating hlidays must be used within the listed timeframe r they will be frfeited (2) Must be hired 90 days prir t using flating hlidays except Califrnia/Mntana; Califrnia/Mntana emplyees must be hired 30 days prir t using flating hlidays 28

29 2016 Emplyee Benefits Guide Parental Leave New fathers and mthers are eligible fr five days f paid leave at 100% f salary fllwing the birth, adptin r placement f a child. Fr new mthers wh give birth, paid parental leave may be used during the first week f shrtterm disability (i.e., the waiting perid). Regular full-time and regular part-time emplyees scheduled t wrk 30 r mre hurs per week and wh have been actively emplyed by the Cmpany fr at least 90 days are eligible fr this benefit. Time Off fr Cmmunity Service The Cmpany recgnizes it is ur respnsibility as a gd crprate citizen t help enrich ur surrunding cmmunities f residence and wrk. We encurage ur emplyees t becme invlved in their cmmunities, lending their vluntary supprt t prgrams that psitively impact the quality f life within these cmmunities. T recgnize the effrts f ur emplyees and encurage vlunteerism, the Cmpany ffers a paid time ff plicy fr cmmunity service. The Cmpany prvides the pprtunity t vlunteer fr ne day (8 hurs) per calendar year t thse regular emplyees wh wrk 20 hurs r mre a week. This time ff shuld be taken in whle r half-day increments and with prir permissin frm the emplyee s manager. Time ff must be used fr a 501(c)(3) nn-prfit rganizatin, Cmpany-recgnized vlunteer activities, r a child s schl related activities. Examples f the types f vlunteer activities fr which eligible emplyees may use their time ff fr cmmunity service include building a huse fr Habitat fr Humanity, vlunteering at a fd bank, cleaning up a beach, park r trail, becming a Big Brther/Big Sister, vlunteering at a lcal hspital, educating the future wrkfrce (e.g., yuth mentring, tutring, etc.), prviding disaster relief t ur cmmunities, vlunteering at an inner-city schl r chaperning a child s schl field trip. Examples f inapprpriate uses fr time ff fr cmmunity service include taking a ski vacatin and charitably giving ski lessns, caching yur child s basketball team, attending yur child s PTA cnference, serving as yur child s scut leader and attending a prfessinal, religius r persnal interest cnference. Guidelines Emplyees must prvide reasnable ntice t their supervisr and wrk demands can take pririty ver a time ff request fr cmmunity service. Emplyees can chse a charity r schl related activity f their chice, r wrk tgether with ther cmpany members n a team vlunteer activity. Emplyee vlunteer participatin during scheduled wrk hurs must be apprved in advance by the emplyee s supervisr. Time ff fr cmmunity service shuld be scheduled t help with the crdinatin f ther wrk-related respnsibilities, shuld nt create the need fr vertime r cause cnflicts with ther emplyees schedules. Time ff fr cmmunity service vlunteering must be apprved using etime (same as vacatin and sick time) and cded as VOL. 29

30 Leave f Absence Prgrams Yur emplyer prvides a variety f ptins t manage wrkplace absences that allw emplyee flexibility in achieving wrk/life harmny. Refer t the General Leaves f Absence plicy n the Crprate Risk Hldings Intranet fr details. 30

31 2016 Emplyee Benefits Guide Required Ntices The Cmpany is required t make available t yu certain regulatry ntices regarding emplyee benefits plans. These ntices include: ACA Ntice Regarding Patient Prtectins CHIP Ntice HIPAA Special Enrllment Ntice HIPAA Privacy Ntice HIPAA Special Enrllment Ntice Health Insurance Exchange Ntice Medicare Part D Ntice Summary Annual Reprts (SARs) Summary f Benefits and Cverage fr Each Medical Plan Summary Plan Descriptins (SPDs) Wmen s Health and Cancer Rights Ntice Yu may view and print these ntices by lgging int and see the Inf Center. Yu may request that a paper cpy f a ntice be mailed t yu at n cst by cntacting Yur Benefits Center at Phne representatives are available Mnday thrugh Friday, 8:00 a.m. ET t 11:00 p.m. ET Please nte that if yu are a new hire, yu will autmatically receive a paper cpy f the COBRA General/Initial Rights Ntice and the HIPAA Privacy Ntice. These ntices will be mailed t yur hme address n file with the Cmpany. 31

32 Cntact Infrmatin Vendr Online Telephne Hurs Benefits Administratr Yur Benefits Center M F 8:00 a.m. 11:00 p.m. ET Medical/Prescriptin Drug/Dental/Visin/EAP Aetna Medical Plans M, T, Th, F 8:00 a.m. 6:00 p.m. ET W 9:00 a.m. 6:00 p.m. ET Teladc /7 Infrmed Health Line CVS Caremark Prescriptin Drug / /7 Delta Dental f Virginia Visin Service Plan CmPsych EAP Spending Accunts Web ID: CrpRisk /7 M Th 8:15 a.m. 6:00 p.m. ET F 8:15 a.m. 4:45 p.m. ET M F 8:00 a.m. - 8:00 p.m. PT Sat. 7:00 a.m. - 8:00 p.m. PT Sun. 7:00 a.m. - 7:00 p.m. PT Health Care and Dependent Care FSA M F 8:00 a.m. 11:00 p.m. ET Transprtatin/ Cmmuter Accunts M F 8:00 a.m. 8:00 p.m. ET Life Insurance and Vluntary Benefits Life, AD&D and LTD Insurance M F 8:00 a.m. 11:00 p.m. ET LegalShield M F 7:00 a.m. 7:00 p.m. CT MetLife Aut, Hme and Pet insurance M F 9:00 a.m. 6:00 p.m. ET MetLife Critical Illness M F 8:00 a.m. 11:00 p.m. ET Leave f Absence Leave f Absence and STD 401(k) Plan Intake Call Center: 24/7 Custmer Service Call Center: M F 7:00 a.m. - 8:30 p.m. CT Fidelity Investments M F 8:30 a.m. 8:00 p.m. ET

33 2016 Emplyee Benefits Guide Crprate Risk Hldings, LLC. All rights reserved. Printed in the United States. Restricted Rights The infrmatin cntained in this dcument is prprietary and cnfidential t Crprate Risk Hldings, LLC. N part f this dcument may be reprduced r transmitted in any frm r by any means, electrnic r mechanical, including phtcpying and recrding, fr any purpse withut the express written permissin f Crprate Risk Hldings, LLC. This dcument is subject t change withut ntice. Crprate Risk Hldings, LLC des nt warrant that the material cntained in this dcument is errr-free. If yu find any prblems with this dcument, please reprt them t Crprate Risk Hldings, LLC Human Resurces in writing. Crprate Risk Hldings, LLC reserves the rights t terminate, suspend, withdraw, r mdify the benefits described in this dcument, in whle r in part, at any time. N statement in this r any ther dcument, and n ral representatin, shuld be cnstrued as a waiver f this right. This is nt a legal dcument. Please refer t the summary plan descriptins fr detailed infrmatin. Summary Plan Descriptins may be fund at This dcument is nt intended t cver every ptin detail. Cmplete details are in the legal dcuments, cntracts, and administrative plicies that gvern benefit peratin and administratin. If there shuld ever be any differences between the summaries in this handbk and these legal dcuments, cntracts, and plicies, the legal dcuments, cntracts, and plicies will be the final authrity. 33