role with the agency. There is a synergy created when highly talented, energetic, and inspired people work together toward a common goal.

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3 Warm I m so greetings! pleased that you have chosen to dedicate your professional Our skills vision and talents of providing to the world citizens class of our service county. to our Our clients work is begins vital to and the ends fiscal with health the of talent our community, and commitment and our that clients each appreciate of you brings the to warmth your and enthusiasm that you provide with each interaction. role with the agency. There is a synergy created when highly talented, energetic, and inspired people work together toward a common goal. Our agency provides an excellent array of benefit options to support The and results reward speak our employees for themselves for their in our commitment. impressive Employee track record benefits of are service an important and innovation. element of your total compensation package, and It s are our worth privilege as much to as offer 45% a of diverse your annual array of pay. benefits to support and reward our employees for their commitment. Employee benefits are I hope you find this information helpful as you make benefit choices an important element of your total compensation package, and we for you and your family. We encourage you to become familiar with encourage you to become familiar with the various plan options to the various plan options to ensure that you make benefit elections ensure that you make benefit elections that are appropriately suited that are appropriately suited to your needs. Complete information on to all your benefit individual options needs. is available Complete through information the BenTek on all open benefit enrollment options is portal, available and through from our the Human BenTek Resources open enrollment team. portal, and from our Human Resources team. Thank Thank you, you, as as always, always, for for your your commitment to to our our values values and and to to our our clients whom you serve each day with professionalism. clients whom you serve everyday with enthusiasm and care.

4 IMPORTANT CONTACT INFORMATION Tax Collector s Office Contact Name Contact Information Human Resources Human Resources Marilyn Hannan Human Resources Director Letty Celestino Benefits Coordinator Phone: (561) mhannan@pbctax.com Phone: (561) lcelestino@pbctax.com Service Provider Contact Information Online Enrollment Medical Insurance Prescription Drug Coverage Mail-Order Program Dental Insurance Vision Insurance Short Term & Long Term Disability Insurance Life Insurance Employee Assistance Program Supplemental Insurance BenTek Cigna Cigna Home Delivery Cigna Cigna Cigna Cigna Managed Care Concepts Aflac Valery Insurance Agency Customer Service: (888) 5-BenTek ( ) support@mybentek.com Customer Service: (800) Customer Service: (800) Customer Service: (800) Customer Service: (877) Customer Service: (800) Customer Service: (800) Hour Crisis Line: (866) Customer Service: (800) Agent: Jerry Varnadoe Phone: (561) charles_varnadoe@bellsouth.net Customer Service: (800) info@valeryagency.com Retirement Plans LoansAtWork Home Benefit Program Florida Retirement System Empower Retirement BMG Money Home Benefit IQ Customer Service: (850) Customer Service: (800) Agent: Helena Novakova helena.novakova@empower-retirement.com Customer Service: (800) Agent: Diane Keane Phone: (561) hbiq@dianekeane.com 1 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

5 Table of Contents Introduction...3 Notices...3 Online Benefit Enrollment...3 Medical Insurance...4 Group Insurance Eligibility Dependent Eligibility Documentation...6 IRS Code Section 125 and Qualifying Events...7 Wellness Incentive Program Medical Insurance Premiums...10 How To Locate A Provider (For All Plans)...10 Other Available Plan Resources...10 Medical Insurance: Cigna Basic Option Plan At-A-Glance...11 Medical Insurance: Cigna High Option Plan At-A-Glance...12 Medical Insurance: Side-By-Side Plans At-A-Glance...13 Dental Insurance: Cigna Dental PPO Plan Dental Insurance: Cigna Dental PPO Plan At-A-Glance Vision Insurance: Cigna Vision Plan Vision Insurance: Cigna Vision Plan At-A-Glance Short Term Disability Insurance...18 Long Term Disability Insurance...18 Basic Life and AD&D Insurance...19 Voluntary Life Insurance Employee Assistance Program...20 Supplemental Insurance - Aflac...21 Supplemental Insurance - Valery Insurance Agency Florida Retirement System...21 Deferred Compensation 457(b)...22 Loans...22 Home Benefit IQ...22 Other Benefits...22 Paid Time Off Holiday Schedule Pay Periods & Pay Days...24 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 2

6 Introduction The Palm Beach County Tax Collector s Office is pleased to offer a comprehensive array of benefits including group insurance coverage, retirement savings plans, and wellness programming. Please refer to the Tax Collector s Office Personnel Policies and/or Certificates of Coverage for detailed descriptions of all available employee benefit programs and stipulations therein. If you require further explanation or need assistance answering specific questions, please refer to the Customer Service phone numbers under each benefit description heading. General inquiries may be directed to the Human Resources Department. Notices COBRA Continuation of Medical Coverage Benefits Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), employees and/or dependents may be able to continue their enrollment in certain health plans, such as medical and dental, if such coverage is terminated or changed due to a qualifying event. Medicare Part D Creditable Coverage The Tax Collector s Office prescription drug coverages are considered Creditable Coverage under Medicare Part D. If you or your dependents are or will be eligible for Medicare, you may obtain more information by requesting a Medicare Part D Disclosure of Creditable Coverage Notice. Tobacco Use Surcharge We stopped hiring tobacco users in October 2009, and all employees are required to complete a tobacco use affidavit upon initial enrollment in our medical plan, and in all subsequent plan years. Tobacco users who were grandfathered in 2009 and who are enrolled in our medical plan are assessed a tobacco use surcharge equal to 20% of the full employer premium for employee only coverage. Notice of Privacy Practice of The Tax Collector s Office The Tax Collector s Office Privacy Notice is available and you can obtain a copy by contacting the Human Resources Department. More information is available on the above notices by contacting the Human Resources Department. Online Benefit Enrollment Employees can enroll online through BenTek s Employee Benefits Center (EBC). The EBC provides benefit-eligible employees the ability to make group insurance benefit elections and changes online during the annual open enrollment, new hire orientation and qualifying events. Accessing the Employee Benefits Center: 1. Log on to 2. Sign in by using your previously created username and password or 3. Follow the instructions to set up your own username and password. 4. Enter BenTek to review current elections, learn about your benefit options, and make any elections or changes. You may also update your life insurance beneficiary designation(s). You have the option to print out your enrollment confirmation statement containing all your benefit elections for you and your family, including your life insurance beneficiary designations. Open enrollment has never been easier. Accessible 24 hours a day during the open enrollment process, information about all of your employee benefits election options, including premiums and carrier contact information, are also available to help you make informed decisions. You can also log on to the EBC at any time to review your benefits, access carrier links, update life insurance beneficiaries, and report qualifying events. If any technical questions arise while visiting the EBC, please BenTek Support at support@mybentek.com or call (888) 5-BenTek ( ), Monday through Friday, from 8:30 a.m. to 5:00 p.m. To access your group insurance benefits online, log on to or visit TCShare/HR. 3 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

7 Medical Insurance Summary of Benefits and Coverage A Summary of Benefits & Coverage (SBC) for each Medical Plan Option is provided as a supplement to this booklet which is being distributed to new hires and existing employees during open enrollment. These summaries are an important item in understanding your benefit options. Free paper copies of the SBC documents may be requested or are also available as follows: From: Human Resources Department Address: 301 North Olive Avenue, 3rd Floor West Palm Beach, FL Phone: (561) At Website URL: Through the enrollment software BenTek: The SBC is only a summary of the plan s coverage. A copy of the plan document, policy, or certificate of coverage should be consulted to determine the governing contractual provisions of the coverage. A copy of the actual group certificate of coverage can be reviewed and obtained by contacting the Human Resources Department or at the following web address: If you have any questions about the plan offerings or coverage options, please contact the Human Resources Department at (561) All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 4

8 Group Insurance Eligibility The Tax Collector s Office group insurance plan year is January 1st through December 31st. Eligibility Employees are eligible to participate in the Tax Collector s Office insurance plans if they are full-time employees working a minimum of 32 hours per week. Coverage will be effective on the first day of the month following 60 days of employment. For example: If you are hired on April 11th, your coverage will be effective on July 1st. Termination If you separate employment from the Tax Collector s Office, insurance will continue through the end of the month in which the separation occurred. COBRA continuation of coverage may be available as applicable by law. Dependent Eligibility A dependent is defined as the legal spouse or domestic partner and/or dependent child(ren) of the participant or spouse. The term child includes any of the following: A natural child A child placed for adoption A legally adopted child A stepchild A foster child A child for whom legal guardianship has been awarded to the participant or the participant s spouse The newborn child of a covered dependent child who has not yet reached the end of the calendar year in which he/she becomes 26 is eligible for medical coverage. Coverage will automatically terminate 18 months after the birth of the newborn child. Medical Coverage: Dependent children may be covered through the end of calendar year in which they turn 26. Over-age dependents may continue to be covered under the medical plan to the end of the calendar year in which the dependent reaches the age of 30, if the dependent meets the following requirements: Unmarried with no dependents; AND A Florida resident, or full-time or part-time student; AND Otherwise uninsured; AND Not entitled to Medicare benefits under Title XVIII of the Social Security Act, unless the child is handicapped. Please see the Taxable Dependents section below if you are covering eligible over-age dependents. Dental & Vision Coverages: Dependent children may be covered through the end of the calendar year in which they turn 26. Disabled Dependents Coverage for an unmarried dependent child may be continued beyond age 26 if: 1. The dependent is physically or mentally disabled and incapable of self-sustaining employment (prior to age 26); AND 2. Primarily dependent upon the member for support; AND 3. The dependent is otherwise eligible for coverage under the group medical plan; AND 4. The dependent has been continuously insured; AND 5. Coverage with the Tax Collector began prior to the age of 26. Proof of disability will be required upon request. Please contact the Human Resources Department if further clarification is required. Domestic Partner Registered Domestic Partners may be eligible to participate in the Tax Collector s Office group medical, dental and vision insurance plans. If you choose to cover a domestic partner, federal guidelines do not permit pre-tax employee contributions for the dependent portion of your premium contribution. Since your employee contributions cover only a portion of the full premium for coverage, the Tax Collector s Office s contribution for domestic partner coverage is treated as imputed income, and is taxable. Contact the Human Resources Department for further information regarding the Domestic Partner eligibility criteria. 5 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

9 Group Insurance Eligibility (continued) Taxable Dependents IRS guidelines state that an employee may not receive a tax advantage on any portion of premium paid related to non-qualified dependents; therefore, employees covering adult children under their medical insurance plan may continue to have the related coverage premiums payroll deducted on a pre-tax basis through the end of the calendar year in which the child reaches age 26. Beginning January 1st of the calendar year in which the child reaches age 27 through the end of the calendar year in which the child reaches age 30, employees will be charged an additional premium on a post-tax basis to continue coverage for such dependents. Please contact the Human Resources Department for further details if you are covering an adult child who will turn 27 any time during the upcoming calendar year or for more information. Dependent Eligibility Documentation We have listed the most commonly required supporting documentation for different types of dependent coverage, and the list may not be all inclusive. All dependents must have an established legal relationship to the employee or spouse and/or domestic partner to be covered under the Tax Collector s Office benefit program. Dependent children may be covered through the end of the calendar year in which the child turns age 26 for dental and vision and age 30 for medical. Dependent Relationship Spouse (Legal Spouse) Domestic Partner Children Step-Children Children under Legal Guardianship, Custody or Foster Care Children Adopted or in the process of Adoption Over-Age Dependent Children* (Age 27-30) Documentation Required Copy of Official State-issued marriage certificate (religious certificate not acceptable), AND copy of Social Security card Copy of Domestic Partnership Registration Certificate issued by the Office of the Clerk & Comptroller, AND copy of Social Security card, Copy of Official State-issued birth certificate(s), AND copy of Social Security card Copy of Official State-issued marriage certificate, OR Domestic Partnership Certificate, AND copy of State-issued birth certificate(s), AND copy of Social Security card Copy of legal Guardianship/Custody documents from Courts or Copy of Foster Care documentation from Courts AND copy of Social Security card Copy of legal adoption documentation showing relationship to employee and placement in the employee s house, OR Adoption Certificate issued through the Courts, AND copy of Social Security card Copy of Official State-issued birth certificate(s), AND copy of Social Security card. *Deductions Related to Over-Age Dependents Employee pays the full monthly premium (post-tax) in addition to any applicable premium for other selected coverage. Please Note: That if an employee knowingly commits fraud by enrolling an ineligible person(s) in the Palm Beach County Tax Collector s Office insurance program, the Tax Collector s Office will take appropriate disciplinary action up to and including termination. All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 6

10 IRS Code Section 125 and Qualifying Events IRS Code Section 125 Premiums for medical, dental, vision insurance, and/or certain supplemental insurance policies are deducted through a Cafeteria Plan established under Section 125 of the Internal Revenue Code (IRC) and are pre-tax to the extent permitted. Under Section 125, changes to your pre-tax benefits can be made ONLY during the Open Enrollment period unless you or your qualified dependents experience a qualifying event and the request to make a change is made within 30 days of the qualifying event. Under certain circumstances, you may be allowed to make changes to your benefit elections during the plan year, if the event affects your own, your spouse s, or your dependent s coverage eligibility. An eligible qualifying event is determined by the Internal Revenue Service (IRS) Code, Section 125. Any requested changes must be consistent with and on account of the qualifying event. Examples of Qualifying Events: You get married or divorced Birth of a child You gain legal custody or adopt a child Your spouse and/or other dependent(s) die(s) You, your spouse, or dependent(s) terminate or start employment An increase or decrease in your work hours causes eligibility or ineligibility A covered dependent no longer meets eligibility criteria for coverage A child gains or loses coverage with an ex-spouse Change of coverage under an employer s plan Gain or loss of Medicare coverage Losing eligibility for coverage under a State Medicaid or CHIP (including Florida Kid Care) program (60 day notification period) Becoming eligible for State premium assistance under Medicaid or CHIP (60 day notification period) IMPORTANT If you experience a qualifying event, you must contact the Human Resources Department within 30 days of the qualifying event to make the appropriate changes to your coverage. Beyond 30 days, requests will be denied and the employee may be responsible both legally and financially for any claim and/or expense incurred as a result of the employee or a dependent who continues to be enrolled but no longer meets eligibility requirements. If approved, changes will take place on the first of the month following the qualifying event, except for newborns which are effective on the date of birth. Any cancellations will be processed at the end of the month. You will be required to furnish valid documentation supporting a change in status or Qualifying Event. 7 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

11 Wellness Incentive Program The Summary of Benefits and Coverage (SBC) Supplement, provided in addition to this Employee Benefit Highlights Booklet, is your primary source of information regarding your Wellness Incentive Program. The information contained in this Booklet regarding your Wellness Incentive Program is intended to supplement your SBC Supplement. If any information in this booklet unintentionally conflicts with the SBC Supplement, the SBC Supplement information prevails. If you have any additional questions regarding the program, please contact the Human Resources Department at (561) Journey To Good Health Your health is important to you, your family, your friends and to us! Since health care represents a large portion of our employee benefit costs, we engaged our workforce in wellness education and healthy lifestyles to help reduce and contain cardiovascular diseases including hypertension, diabetes, and obesity. Take the Journey to Good Health with us and you ll learn about nutrition and lifestyle choices that support good health today and all your tomorrows. New to the program? Your Journey to Good Health itinerary is easy to follow: Register for biometric screening February Get screened! Receive a free FitBit to count the steps on your Journey to Good Health. February/March Receive your confidential health report card and review your risk profile. March Get a rebate on your 2017 Health Insurance! Attend re-screening and get a NEW report card! September/October Moderate to high risk? Personalized coaching and classes with a registered dietician! Spring/Summer 2016 Incentive Model Factor Post-Program Result Points Low <200 2 Cholesterol Mod to Borderline High Normal <5.7 2 HbA1c Pre-Diab/Controlled Diab Diabetes Normal 120/80 2 BP Pre-Hypertension / Hypertension (Stage 1 or 2) 140+/90+ 0 Normal <25 2 BMI Participation Overweight Obese Completion of all required elements of program, regardless of improvements made/not made Maximum Available Points 10 2 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 8

12 Wellness Incentive Program (continued) The Summary of Benefits and Coverage (SBC) Supplement, provided in addition to this Employee Benefit Highlights Booklet, is your primary source of information regarding your Wellness Incentive Program. The information contained in this Booklet regarding your Wellness Incentive Program is intended to supplement your SBC Supplement. If any information in this booklet unintentionally conflicts with the SBC Supplement, the SBC Supplement information prevails. If you have any additional questions regarding the program, please contact the Human Resources Department at (561) Progress Points Factor Range Points Re-screening value = lower risk category Corresponding point(s) Cholesterol 1/2 point awarded for each 10% reduction, up to 40% 2 points max HbA1c Re-screening value = lower risk category Corresponding point(s) 1/2 point awarded for each.5 reduction, up to 2 points 2 points max BP BMI Re-screening value = lower risk category 1/2 point for each 10 point reduction in Systolic BP and/or each 5 point reduction in Diastolic BP Re-screening value = lower risk category Award 1/2 point for each 2.5% reduction in weight Corresponding point(s) 2 points max Corresponding point(s) 2 points max If you are unable to achieve any of these targets and would like to earn the incentive by completing an alternate activity please contact the Human Resources Department at (561) Please note that the Tax Collector s Office will not be made aware which specific targets an individual did or did not achieve at any point during this process. 9 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

13 Medical Insurance Premiums The Summary of Benefits and Coverage (SBC), provided in addition to this Employee Benefit Highlights Booklet, is your primary source of information regarding your Cigna medical plan. The information contained in this Booklet regarding your medical plan is intended to supplement your SBC and accompanying definitions. If any information in this booklet unintentionally conflicts with the SBC or accompanying definitions, the SBC information prevails. If you have any additional questions regarding the plan, please contact Cigna s Customer Service at (800) The Tax Collector s Office offers medical insurance through Cigna to benefit-eligible employees. The costs per pay period for coverage are listed in the premium tables below. For information about your medical plan, please refer to the Summary of Benefits and Coverage (SBC) provided. Medical Insurance Cigna Basic Option Plan 24 Payroll Deductions Medical Insurance Cigna High Option Plan 24 Payroll Deductions Tier of Coverage Employee Cost Tier of Coverage Employee Cost Employee Only $63.95 Employee + Spouse / Domestic Partner $ Employee + Child(ren) $ Employee + Family $ Over-Age Dependent 1, 2 $ ) This premium is in addition to the Employee + Dependent rate. 2) For the entire 2016 benefits year, an over-age dependent is defined as: a dependent who will reach age 27, 28, 29, or 30 during Employee Only $73.53 Employee + Spouse / Domestic Partner $ Employee + Child(ren) $ Employee + Family $ Over-Age Dependent 1, 2 $ ) This premium is in addition to the Employee + Dependent rate. 2) For the entire 2016 benefits year, an over-age dependent is defined as: a dependent who will reach age 27, 28, 29, or 30 during How To Locate A Provider (For All Plans) To search for a participating provider, contact Cigna s Customer Service or visit and select the Find a Doctor tab. Choose the For Plans Offered Through Work... directory, then click on Select a Plan and choose the Open Access Plus medical plan. Complete the additional search criteria and click Search. Other Available Plan Resources Cigna offers all enrolled members and dependents additional services and discounts through value added programs. For more details regarding other available plan resources, please refer to your Summary of Benefits and Coverage (SBC). All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 10

14 Medical Insurance: Cigna Basic Option Plan At-A-Glance The Summary of Benefits and Coverage (SBC), provided in addition to this Employee Benefit Highlights Booklet, is your primary source of information regarding your Cigna medical plan. The information contained in this Booklet regarding your medical plan is intended to supplement your SBC and accompanying definitions. If any information in this booklet unintentionally conflicts with the SBC or accompanying definitions, the SBC information prevails. If you have any additional questions regarding the plan, please contact Cigna s Customer Service at (800) Network Open Access Plus Calendar Year Deductible (CYD) In Network Single No Deductible Family No Deductible Coinsurance In Network Member Responsibility 0% Calendar Year Out-of-Pocket Limit In Network Single $2,500 Family $5,000 What Applies to the Out-of-Pocket Limit? Copays (Includes Rx) Physician Services In Network Primary Care Physician (PCP) Office Visit (No PCP Election Required) $20 Copay Specialist Office Visit (No Referral Required) $40 Copay: CCN / $60 Copay: Non-CCN Preventive Care In Network Adult / Child Wellness Visits* No Charge Freestanding Facility; Non-Hospital Services In Network Clinical Lab (Blood Work): LabCorp or Quest** No Charge X-rays No Charge Advanced Imaging (MRI, PET, CT) $100 Copay Outpatient Surgery in Surgical Center $250 Copay Physician Services at Surgical Center $60 Copay Hospital Services In Network Inpatient Hospital (Per Admission) $500 Copay Outpatient Hospital (Per Visit) $250 Copay Physician Services at Hospital No Charge Emergency Room (Per Visit; Waived if Admitted) $150 Copay Urgent Care (Per Visit) $75 Copay Mental Health / Alcohol & Substance Abuse In Network Inpatient Hospitalization (Per Admission) $500 Copay Outpatient Services (Per Visit) No Charge Physician Office Visit $40 Copay Prescription Drugs (Rx) In Network Generic $15 Copay Preferred Brand $30 Copay Non-Preferred Brand $50 Copay Mail Order Drug (90 Day Supply) 2x Retail Copay *The $0 copay is based on the doctor coding the visit preventive, not diagnostic (wellness visit only, not for any illness or injury). Please check your plan summary or contact Cigna for a list of preventive exams and for information regarding age and plan requirements. **LabCorp or Quest Diagnostics are the preferred labs for bloodwork through Cigna. When using a lab other than LabCorp or Quest, please be sure to confirm they are contracted with Cigna s Open Access Plus Network prior to receiving services. Please Note: Services received by providers or facilities, not in the Open Access Plus Network, will not be covered. 11 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

15 Medical Insurance: Cigna High Option Plan At-A-Glance The Summary of Benefits and Coverage (SBC), provided in addition to this Employee Benefit Highlights Booklet, is your primary source of information regarding your Cigna medical plan. The information contained in this Booklet regarding your medical plan is intended to supplement your SBC and accompanying definitions. If any information in this booklet unintentionally conflicts with the SBC or accompanying definitions, the SBC information prevails. If you have any additional questions regarding the plan, please contact Cigna s Customer Service at (800) Network Open Access Plus Calendar Year Deductible (CYD) In Network Out of Network Single No Deductible $500 Family No Deductible $1,500 Coinsurance In Network Out of Network Member Responsibility 0% 30% Calendar Year Out-of-Pocket Limit In Network Out of Network Single $1,500 $5,000 Family $3,000 $10,000 What Applies to the Out-of-Pocket Limit? Deductible, Coinsurance and Copays (Includes Rx) Physician Services In Network Out of Network*** Primary Care Physician (PCP) Office Visit $15 Copay 30% After CYD Specialist Office Visit $15 Copay: CCN / $25 Copay: Non-CCN 30% After CYD Preventive Care In Network Out of Network*** Adult / Child Wellness Visits* No Charge 30% After CYD Freestanding Facility; Non-Hospital Services In Network Out of Network*** Clinical Lab (Blood Work): LabCorp or Quest** No Charge 30% After CYD X-rays No Charge 30% After CYD Advanced Imaging (MRI, PET, CT) $100 Copay 30% After CYD Outpatient Surgery in Surgical Center $100 Copay 30% After CYD Physician Services at Surgical Center $25 Copay 30% After CYD Hospital Services In Network Out of Network*** Inpatient Hospital (Per Admission) $250 Copay 30% After CYD Outpatient Hospital (Per Visit) $100 Copay 30% After CYD Physician Services at Hospital No Charge 30% After CYD Emergency Room (Per Visit; Waived if Admitted) $100 Copay $100 Copay Urgent Care (Per Visit) $50 Copay $50 Copay Mental Health / Alcohol & Substance Abuse In Network Out of Network*** Inpatient Hospitalization (Per Admission) $250 Copay 30% After CYD Outpatient Services (Per Visit) No Charge 30% After CYD Physician Office Visit $15 Copay 30% After CYD Prescription Drugs (Rx) In Network Out of Network*** Generic $10 Copay Preferred Brand $25 Copay Non-Preferred Brand $40 Copay 30% Mail Order Drug (90 Day Supply) 2x Retail Copay *The $0 copay is based on the doctor coding the visit preventive, not diagnostic (wellness visit only, not for any illness or injury). Please check your plan summary or contact Cigna for a list of preventive exams and for information regarding age and plan requirements. **LabCorp or Quest Diagnostics are the preferred labs for bloodwork through Cigna. When using a lab other than LabCorp or Quest, please be sure to confirm they are contracted with Cigna s Open Access Plus Network prior to receiving services. ***Out-Of-Network Balance Billing: For information regarding Out-of-Network Balance Billing that may be charged by an out-of-network provider, please refer to the Out-of-Network Benefits section on the Summary of Benefits and Coverage (SBC). All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 12

16 Medical Insurance: Side-By-Side Plans At-A-Glance The Summary of Benefits and Coverage (SBC), provided in addition to this Employee Benefit Highlights Booklet, is your primary source of information regarding your Cigna medical plan. The information contained in this Booklet regarding your medical plan is intended to supplement your SBC and accompanying definitions. If any information in this booklet unintentionally conflicts with the SBC or accompanying definitions, the SBC information prevails. If you have any additional questions regarding the plans, please contact Cigna s Customer Service at (800) Plan Basic Option High Option Network Open Access Plus Open Access Plus Calendar Year Deductible (CYD) In Network In Network Out of Network Single No Deductible No Deductible $500 Family No Deductible No Deductible $1,500 Coinsurance In Network In Network Out of Network Member Responsibility 0% 0% 30% Calendar Year Out-of-Pocket Limit In Network In Network Out of Network Single $2,500 $1,500 $5,000 Family $5,000 $3,000 $10,000 What Applies to the Out-of-Pocket Limit? Copays (Includes Rx) Deductible, Coinsurance and Copays (Includes Rx) Physician Services In Network In Network Out of Network*** Primary Care Physician (PCP) Office Visit (No PCP Election Required) $20 Copay $15 Copay 30% After CYD Specialist Office Visit (No Referral Required) $40 Copay: CCN / $60 Copay: Non-CCN $15 Copay: CCN / $25 Copay: Non-CCN 30% After CYD Preventive Care In Network In Network Out of Network*** Adult / Child Wellness Visits* No Charge No Charge 30% After CYD Freestanding Facility; Non-Hospital Services In Network In Network Out of Network*** Clinical Lab (Blood Work): LabCorp or Quest** No Charge No Charge 30% After CYD X-rays No Charge No Charge 30% After CYD Advanced Imaging (MRI, PET, CT) $100 Copay $100 Copay 30% After CYD Outpatient Surgery in Surgical Center $250 Copay $100 Copay 30% After CYD Physician Services at Surgical Center $60 Copay $25 Copay 30% After CYD Hospital Services In Network In Network Out of Network*** Inpatient Hospital (Per Admission) $500 Copay $250 Copay 30% After CYD Outpatient Hospital (Per Visit) $250 Copay $100 Copay 30% After CYD Physician Services at Hospital No Charge No Charge 30% After CYD Emergency Room (Per Visit; Waived if Admitted) $150 Copay $100 Copay $100 Copay Urgent Care (Per Visit) $75 Copay $50 Copay $50 Copay Mental Health / Alcohol & Substance Abuse In Network In Network Out of Network*** Inpatient Hospitalization (Per Admission) $500 Copay $250 Copay 30% After CYD Outpatient Services (Per Visit) No Charge No Charge 30% After CYD Physician Office Visit $40 Copay $15 Copay 30% After CYD Prescription Drugs (Rx) In Network In Network Out of Network*** Generic $15 Copay $10 Copay Preferred Brand $30 Copay $25 Copay Non-Preferred Brand $50 Copay $40 Copay 30% Mail Order Drug (90 Day Supply) 2x Retail Copay 2x Retail Copay *The $0 copay is based on the doctor coding the visit preventive, not diagnostic (wellness visit only, not for any illness or injury). Please check your plan summary or contact Cigna for a list of preventive exams and for information regarding age and plan requirements. **LabCorp or Quest Diagnostics are the preferred labs for bloodwork through Cigna. When using a lab other than LabCorp or Quest, please be sure to confirm they are contracted with Cigna s Choice Fund Open Access Plus Network prior to receiving services. ***Out-Of-Network Balance Billing: For information regarding Out-of-Network Balance Billing that may be charged by an out-of-network provider, please refer to the Out-of-Network Benefits section on the Summary of Benefits and Coverage (SBC). 13 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

17 Dental Insurance: Cigna Dental PPO Plan Cigna Customer Service: (800) The Tax Collector s Office offers a dental plan through Cigna. A brief description of the Dental PPO Plan is provided below, and the employee costs per pay period are shown on the premium table to the right. A summary of benefits is provided on the following page. For details regarding the entire plan s coverages, exclusions and stipulations, please refer to your Cigna dental benefit summary available through BenTek at or please contact Cigna s Customer Service at (800) Dental Insurance Cigna Dental PPO Plan 24 Payroll Deductions Tier of Coverage Employee Cost Employee Only $3.82 Employee + Spouse / Domestic Partner $12.74 Employee + Child(ren) $9.55 Employee + Family $19.11 In-Network Benefits The Cigna Dental PPO Plan is open access and allows you to receive services from any dental provider without having to select a Primary Dental Provider (PDP) or obtain a referral to a specialist. The Cigna Dental PPO plan provides benefits for services received from in-network and out-of-network providers. The network of participating dental providers the plan utilizes is the Cigna Total DPPO Network. You will save more by utilizing a dental provider in this network. The Cigna Total DPPO Network includes any participating Cigna Advantage or DPPO dental provider, however receiving services from a Cigna Advantage dental provider will result in greater out of pocket savings. These participating dental providers have contractually agreed to accept Cigna s Contracted Fee or allowed amount. The Contracted Fee, or allowed amount, is the maximum amount a Cigna dental provider can charge a member for a service. You are responsible for a Calendar Year Deductible (CYD) and then coinsurance, based on the plan s charge limitations. Please Note: As a Total DPPO dental member, you have the option to utilize a dentist that participates in either Cigna s Advantage Network or DPPO Network. However, members that use the Cigna Advantage Network will see additional cost savings from the added discount that is allowed for using an Advantage dental provider. You are responsible for verifying whether the treating dentist is an Advantage Dentist or a PPO Dentist. Out-of-Network Benefits Providers who do not contract with insurance carriers because they do not accept their discounted fees are referred to as nonparticipating or out-of-network. Out-of-network benefits are used when members receive services by a Non-Cigna Dental provider. Understanding how your insurance company pays for out-of-network services is important because you will usually pay more. Cigna reimburses out of network services based on what it determines is the Maximum Reimbursable Charge (MRC). The MRC may vary by the type of participating dentist. The MRC can be defined as the most common charge for a particular dental procedure performed in a specific geographic area. The difference between the MRC amount and the dentist s higher billed charged amount is called balance billing. Balance billing is in addition to any applicable plan deductible or coinsurance responsibility and will increase the amount you pay after you receive your maximum reimbursement for the provided service. Using a Non-Cigna Dental provider will usually mean the highest out-of-pocket costs and there is no limit to the amount the dentist may charge. You would be responsible for all dentist fees not covered by the plan s contracted fees, when services are received from an out-of-network provider. How to Locate a Provider To search for a participating provider, contact Cigna s Customer Service or visit and select the Find a Doctor tab. Choose the For Plans Offered Through Work... directory, then click on Select a Plan and choose the Cigna Dental PPO or EPO plan. Complete the additional search criteria and click Search. Please know that from here you can filter your search findings further by selecting Advantage or DPPO. Calendar Year Deductible The Dental PPO Plan benefits begin once each covered member satisfies a $50 deductible (waived for Class I services). The deductible is applied collectively for either in- or out-of-network services or any combination of both. Once any 3 covered members in a family each satisfies the $50 deductible, the deductible will then be considered met for all covered members in that family. Calendar Year Benefit Maximum The maximum benefit (coinsurance) the Dental PPO Plan will pay for each covered member is $2,000 for in-network services or $1,500 for out-of-network services or a combination of both. For example, once the dental PPO plan pays $1,500 for out-ofnetwork services, your out-of-network plan benefits cease. However, the Dental PPO will recognize that $500 is still available for in-network services. All services, including preventive and diagnostic, count toward your Calendar Year Benefit Maximum. All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 14

18 Dental Insurance: Cigna Dental PPO Plan At-A-Glance Network Calendar Year Deductible (CYD) Cigna Total DPPO In & Out of Network Combined Per Member $50 Per Family $150 Waived for Class I Services? Yes Calendar Year Benefit Maximum In Network Out of Network Per Member $2,000 $1,500 Class I Services: Diagnostic & Preventive In Network Out of Network* Routine Oral Exam (1 Every 6 Months) Routine Cleanings (1 Every 6 Months) Bitewing X-rays (1 set every 12 months) Fluoride Treatments (To Age 14) Sealants (To Age 14) Space Maintainers (To Age 14) Intraoral Complete Series X-rays or Panoramic Film Plan Pays: 100% Deductible Waived Plan Pays: 100% Deductible Waived (Subject to Balance Billing) Class II Services: Basic Restorative In Network Out of Network* Fillings (Amalagam) Simple Extractions Endodontics (Root Canal Therapy) Periodontics General Anesthesia and Intravenous Sedation (Limitations Apply) Plan Pays: 90% After CYD Plan Pays: 80% After CYD (Subject to Balance Billing) Class III Services: Major Restorative In Network Out of Network* Crowns Full and Partial Dentures Oral Surgery Bridges Implants Plan Pays: 60% After CYD Plan Pays: 50% After CYD (Subject to Balance Billing) *Out-Of-Network Balance Billing: For information regarding out-of-network balance billing that may be charged by an out-ofnetwork provider, please refer to the Out-of-Network Benefits section on the previous page. Please Note the Following: The plan does not cover Orthodontia. For any dental work expected to cost $500 or more, the plan will provide a Pre-Treatment Review upon the request of your dental provider. This will assist you with determining your approximate out-of-pocket costs should you have the dental work performed. Teeth missing prior to coverage under the Cigna Dental plan are not covered. Waiting periods, plan restrictions and age limitations may apply. The above summary has been provided as a convenient reference. For a full listing of covered services, exclusions and stipulations please see the plan s Schedule of Benefits or contact Cigna s Customer Service. 15 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

19 Vision Insurance: Cigna Vision Plan Cigna Customer Service: (877) Cigna Vision, Claims Department P.O. Box Sacramento, CA The Tax Collector s Office offers a voluntary vision plan through Cigna. A brief description of the Cigna Vision Plan is provided below, and the employee costs per pay period are shown on the premium table to the right. A summary of benefits is provided on the following page. For details regarding the entire plan s coverages, exclusions and stipulations, please refer to your Cigna Vision benefit summary available through BenTek at or please contact Cigna s Vision Customer Service at (877) In-Network Benefits The Cigna Vision Plan offers you and your covered dependents a benefit option that covers routine eye care, including eye exams, eyeglasses (lenses and frames) or contact lenses. To schedule an appointment, covered members can select any optometrist or ophthalmologist that participates in the Cigna Vision Network. At the time of service, routine vision examination services and basic optical needs will be covered as shown on the summary. Cosmetic services and upgrades will be extra if chosen at the time of your appointment. Out-of-Network Benefits Covered members may also choose to receive services from vision providers that do not participate in the Cigna Vision Network. If so, the cost of the services received would be paid to that provider at the time of the scheduled appointment. Cigna will then reimburse the covered member based on the plan s out-of-network reimbursement schedule upon receipt of proof of services rendered. If you visit an out-of-network provider, you can submit a completed Cigna Vision Claim Form and itemized receipt to the Claims Department address at the top of the page. How to Locate a Provider To search for a participating provider, contact Cigna s Customer Service or visit and select the Find a Doctor tab. Under Additional Directories choose to search the Cigna Vision Directory. Complete the additional search criteria and click Search. Calendar Year Deductible There is no Calendar Year Deductible. Tier of Coverage Vision Insurance Cigna Vision Plan 24 Payroll Deductions Employee Cost Employee Only $4.94 Employee + Spouse / Domestic Partner $9.88 Employee + Child(ren) $9.98 Employee + Family $15.72 Calendar Year Out-of-Pocket Maximum There is no Out-of-Pocket Maximum. However, there are benefit reimbursement maximums for services per calendar year. Please Note the Following: Benefits are valid once per calendar year and cannot be used in conjunction with other discounts, promotions or prior orders. A member who elects to use other discounts and/or promotions in lieu of his/her vision benefits may file a claim to receive reimbursement according to the out-of-network reimbursement amounts. Members receive 20% savings on additional purchase of frames and lenses with a valid prescription. All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 16

20 Vision Insurance: Cigna Vision Plan At-A-Glance Services In Network Out of Network Eye Exam No Copay Up to $45 Reimbursement Materials $10 Copay Plan Reimbursement Based on Type of Service Frequency of Services In Network Out of Network Examination Lenses Frames Contact Lenses 12 Months 12 Months 12 Months 12 Months Lenses In Network Out of Network Single Up to $32 Reimbursement Bifocal Trifocal Covered at 100% After $10 Materials Copay Up to $55 Reimbursement Up to $65 Reimbursement Lenticular Up to $80 Reimbursement Frames In Network Out of Network Allowance Up to $150 Retail Allowance After $10 Materials Copay Up to $83 Reimbursement Contact Lenses* In Network Out of Network Elective (Fitting, Follow-up & Lenses) Medically Necessary (Fitting, Follow-up & Lenses) Up to $150 Retail Allowance Covered at 100% Up to $120 Reimbursement Up to $210 Reimbursement Limitations & Exclusions: *Contact lenses are in lieu of spectacle lenses and a frame. 17 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

21 Short Term Disability Insurance Cigna Customer Service: (800) File a Claim: (800) At no cost to the employee, the Tax Collector s Office provides all eligible employees with Short Term Disability (STD) insurance through Cigna. The STD benefit pays a percentage of weekly earnings if you become disabled due to an illness, non-work related accident or injury. Short Term Disability (STD) Benefits STD provides 60% of weekly earnings up to a maximum of $1,000 per week. An employee must be sick or incur a non-work related injury for 14 days prior to becoming eligible for benefits. The maximum benefit period is 24 weeks. An employee unable to return to work after the 24 week maximum is exhausted may be transitioned from Short Term Disability to Long Term Disability. For further clarification regarding your STD coverage, exclusions, and stipulations, please visit Long Term Disability Insurance Cigna Customer Service: (800) File a Claim: (800) At no cost to the employee, the Tax Collector s Office provides all eligible employees with Long Term Disability (LTD) insurance through Cigna. The LTD benefit pays a percentage of monthly earnings if you become disabled due to an illness, non-work related accident or injury. Long Term Disability (LTD) Benefits LTD provides 60% of monthly earnings up to a maximum of $6,000 per month. An employee must be disabled for 180 days prior to becoming eligible for benefits. Benefit payments will commence on the 181st day of disability. If you return to work on a part-time basis, you may continue to be eligible for partial benefits. Benefits will be payable for the first 24 months if the employee is unable to return to their own occupation. After 24 months, if the employee can return to any occupation in which they are suitably trained, educated, and capable of performing, the employee must return to that occupation. LTD benefits will be offset with other income such as Social Security, Workers Compensation, and retirement benefits, etc. For further clarification regarding your LTD coverage, exclusions, and stipulations, please visit All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 18

22 Basic Life and AD&D Insurance Cigna Customer Service: (800) Basic Term Life At no cost to the employee, the Tax Collector s Office provides Basic Term Life Insurance for all eligible employees through Cigna. The Basic Term Life Insurance benefit equals 1.5 times your basic annual compensation up to a maximum of $150,000, rounded to the next higher $1,000 (if it is not already an exact multiple of $1,000). You are automatically enrolled in this coverage. You may designate and update your life insurance beneficiaries at any time throughout the year by visiting BenTek at Accidental Death & Dismemberment Also at no cost to the employee, the Tax Collector s Office Basic Term Life Insurance includes an Accidental Death & Dismemberment (AD&D) benefit. AD&D pays in addition to the Basic Term Life benefit when death occurs as a result of an accident. The AD&D benefit amount equals the Basic Term Life Insurance benefit amount and a partial benefit is also payable based on the summary of benefits, which can be found at Voluntary Life Insurance Voluntary Employee Life Insurance Eligible employees may elect to purchase additional Life Insurance on a voluntary basis through Cigna. This coverage may be purchased in addition to the Basic Term Life / AD&D coverages. Voluntary Life Insurance coverage is available for yourself, spouse or child(ren) at different benefit levels. Beneficiaries can be designated online by visiting BenTek at New Hires can purchase voluntary employee Life Insurance without having to go through Medical Underwriting, also known as Evidence of Insurability (EOI), up to the Guaranteed Issue amount of $140,000 if the employee is under age 70. Units can be purchased in increments of $10,000 to a maximum of $500,000. Amounts are subject to the following age reduction schedule: 65% at 70 45% at 75 Premium calculation: Elected Coverage $10,000 x Employee Rate (see table) = Monthly Premium. Voluntary Spouse Life Insurance Employees must participate in voluntary plan for spouse to participate. Units can be purchased in increments of $5,000 to a maximum of $100,000, however coverage cannot exceed 50% of the employee s voluntary coverage amount. Premium calculation: Elected Coverage $5,000 x Spouse Rate (see table) = Monthly Premium. New Hires can purchase voluntary spouse Life Insurance without having to go through Medical Underwriting, also known as Evidence of Insurability (EOI), up to the Guaranteed Issue amount of $30,000 if the employee is under age 70. Voluntary Life Monthly Rates Age Bracket Employee Spouse < 30 $0.70 $ $0.80 $ $1.20 $ $2.10 $ $3.70 $ $5.80 $ $9.50 $ $13.90 $ $23.70 $11.85 > 69 $38.30 $ All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

23 Voluntary Life Insurance (continued) Dependent Child(ren) Life Insurance Employees must participate in voluntary plan for dependent children to participate. Dependent child less than 6 months old: maximum benefit amount is $500. Children 6 months to 25 years: coverage in the amount of $2,000, $2,500, $5,000 or $10,000 can be purchased for a flat rate as listed in the table to the right. Child(ren) Coverage Monthly Rate per Family $2,000 $0.40 $2,500 $0.50 $5,000 $1.00 $10,000 $2.00 Employee Assistance Program Managed Care Concepts 24-hour Crisis Line: (866) At no cost to the employee, the Tax Collector s Office provides a comprehensive Employee Assistance Program (EAP) through Managed Care Concepts. The EAP provides you and your household members covered by the Tax Collector s Office medical plan with professional counseling for a variety of problems that affect your quality of life. All EAP counselors are professionally trained and certified/licensed in their fields. Counselors may be Ph.D/Psy.D., Psychologists, Masters Degree Psychiatric Nurses, Certified Alcohol Professionals or Licensed Mental Health Counselors. The Tax Collector s Office cares about your well being on and off the job and provides an EAP to give you a comfortable safe place to turn for help with all kinds of problems including, but not limited to: Alcohol Abuse Drug Abuse Critical Incident Stress Debriefing Parenting Problems Childcare Consultation Eldercare Consultation Marital Problems Stress Management Counselors are available 24 hours a day, 7 days a week, at (866) The EAP is strictly confidential. Information cannot be shared with anyone without your voluntary written release. The EAP also allows for 8 short-term therapy sessions at no cost to you. Conditions that require a long-term treatment solution may be referred to your medical plan. All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 20

24 Supplemental Insurance - Aflac Aflac Customer Service: (800) Agent: Jerry Varnadoe Phone: (561) charles_varnadoe@bellsouth.net Aflac offers a variety of voluntary supplemental insurance plans that may be purchased separately on a voluntary basis and premiums paid by payroll deduction. Aflac pays money directly to you, regardless of what other insurance plans you may have. Available Aflac plans include coverages for: Personal Accident Indemnity Plan Personal Cancer Indemnity Plan Hospital Intensive Care (ICU) Plan Hospital Protection Plan Whole and/or Term Life Insurance Plans To learn more about these Aflac plans and/or to schedule a personal appointment, contact the Tax Collector s Office Local Aflac Agent, Jerry Varnadoe, at (561) Details regarding available Aflac plans and services are also available online at Supplemental Insurance - Valery Insurance Agency Valery Insurance Agency Customer Service: (800) info@valeryagency.com Contemplating retirement? Need to understand post-retirement medical insurance options? Valery Insurance offers plans for retirees who have not reached Medicare eligibility, and supplemental plans for Medicare-eligible retirees. For additional information, info@valeryagency.com, or call (800) Florida Retirement System Florida Retirement System Customer Service: (888) In addition to your 3% pre-tax contribution, the Tax Collector s Office makes a monthly contribution to each full-time employee s Florida Retirement System (FRS) account. Employees are considered vested in the pension plan after completion of eight years of service, but may vest in as little as one year if they opt to join the FRS Investment Plan. For complete information on the plan, visit 21 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

25 Deferred Compensation 457(b) Empower Retirement Customer Service: (800) Agent: Helena Novakova The Tax Collector s Office employees are eligible to enroll in a voluntary Deferred Compensation 457 Plan. Deferred Compensation is an arrangement which permits you to authorize a portion of your salary to be withheld and invested in a group variable annuity contract for payment to you at a later date. Neither the contributed amount nor any investment earnings are subject to current federal and (in most cases) state income taxes until the deferred income plus earnings are distributed to you. These distributions are generally taken at retirement when you may be in a lower income tax bracket. To learn more about the Deferred Compensation 457 Plan and/or to schedule a personal appointment, contact the Tax Collector s Office local Deferred Compensation Agent, Helena Novakova. You may also contact Empower Retirement at (800) or online at Loans LoansAtWork (BMG Money, Inc.) Customer Service: (800) LoansAtWork offers simple interest loans to employees in need of a short-term loan to cover an unexpected expense. You must be employed by the Tax Collector s Office for one year. For more information, visit TCShare/HR tab. Home Benefit IQ Home Benefit IQ Customer Service: (561) Agent: Diane Keane hbiq@dianekeane.com Home Benefit IQ (HBIQ) is a free, educational resource for those interested in the purchase or sale of real estate, and information on mortgages/re-financing. The information provided helps guide you through the various components of the real estate and mortgage process. Home Benefit IQ is a benefit vendor of the agency, and employees use of the program is strictly voluntary. The Tax Collector s Office does not assume any liability from any employee s use of the program. Other Benefits We re proud to offer a rich array of benefits including: Jury Duty Pay Bereavement Pay Tuition Reimbursement (undergraduate) Palm Beach County Employee Credit Union Checking Options with Wells Fargo For complete information, please contact the Human Resources Department. All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 22

26 Paid Time Off We all need time off to relax, run errands, visit the doctor, or get away. That s why we have Paid Time Off (PTO). Full-time employees earn time off according to their hire dates: Employees hired prior to July 21, 2007 earn PTO time commensurate with length of service as follows: 0-1 years 24 days per year or 7.38 hours per pay period 1 5 years 27 days per year or 8.31 hours per pay period 6 years 28 days per year or 8.61 hours per pay period 7 years 29 days per year or 8.92 hours per pay period 8 years 30 days per year or 9.23 hours per pay period 9 years 31 days per year or 9.54 hours per pay period 10+ years 32 days per year or 9.84 hours per pay period Employees hired after July 21, 2007 will earn PTO time as follows: 0-3 years 15 days per year or 4.62 hours per pay period 3-5 years 27 days per year or 8.31 hours per pay period 6 years 28 days per year or 8.61 hours per pay period 7 years 29 days per year or 8.92 hours per pay period 8 years 30 days per year or 9.23 hours per pay period 9 years 31 days per year or 9.54 hours per pay period 10+ years 32 days per year or 9.84 hours per pay period 2016 Holiday Schedule Holiday Date New Year s Day Friday, January 1, 2016 Martin Luther King, Jr. Day Monday, January 18, 2016 President s Day Monday, February 15, 2016 Memorial Day Monday, May 30, 2016 Independence Day Monday, July 4, 2016 Labor Day Monday, September 5, 2016 Columbus Day* Monday, October 10, 2016 *In-Service Workday for All Staff (Closed to Public) Veterans Day Friday, November 11, 2016 Thanksgiving Day Thursday, November 24, 2016 Floating Holiday Friday, November 25, 2016 Floating Holiday Friday, December 23, 2016 Floating Holiday Monday, December 26, 2016 January 1, 2017 falls on a Sunday, therefore Monday, January 2, 2017 will be the first holiday in All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

27 2016 Pay Periods & Pay Days Pay Period Pay Day December 26 to January 08 January 15, 2016 January 09 to January 22 January 29, 2016 January 23 to February 05 February 12, 2016 February 06 to February 19 February 26, 2016 February 20 to March 04 March 11, 2016 March 05 to March 18 March 25, 2016 March 19 to April 01 April 08, 2016 April 02 to April 15 April 22, 2016 April 16 to April 29 May 06, 2016 April 30 to May 13 May 20, 2016 May 14 to May 27 June 03, 2016 May 28 to June 10 June 17, 2016 June 11 to June 24 July 01, 2016 June 25 to July 08 July 15, 2016 July 09 to July 22 July 29, 2016 July 23 to August 05 August 12, 2016 August 06 to August 19 August 26, 2016 August 20 to September 02 September 09, 2016 September 03 to September 16 September 23, 2016 September 17 to September 30 October 07, 2016 October 01 to October 14 October 21, 2016 October 15 to October 28 November 04, 2016 October 29 to November 11 November 18, 2016 November 12 to November 25 December 02, 2016 November 26 to December 09 December 16, 2016 December 10 to December 23 December 30, 2016 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 24

28 11505 Fairchild Gardens Ave., Suite 202 Palm Beach Gardens, Florida Toll Free: (800) ; Fax: (561) FINAL - Last Modified: December 8, :17 PM