There are important changes to the prescription drug program, read about them on pages 2 and 3.

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1 ENROLLMENT PERIOD: OCTOBER 14 28, 2016 Kinder Morgan strives to provide a comprehensive and competitive benefits program. In order to better manage the rising cost of healthcare, we are implementing changes for 2017 including premium increases and coverage tier changes that may affect you and your family. Please read the enrollment materials carefully, and follow the steps below to enroll: 1. REVIEW YOUR PERSONAL REPORT CAREFULLY Check your current coverage levels and dependent information, evaluate your options, and decide if you need to make any changes for Coverage tiers for medical, dental and vision will be changing from three to four tiers in Your current and 2017 coverage tiers are shown on the Personal Report. The payroll deduction amounts displayed on the Personal Report are based on the 2017 coverage tiers and premiums. Check the 2017 benefits costs on page 1. The Exclusive Provider Organization (EPO) plan will be available in 2017, but with design changes including a deductible and increased copays. See the EPO column on page 3 for more information. There are important changes to the prescription drug program, read about them on pages 2 and 3. Your current pre-tax Health Savings Account (HSA) and Flexible Spending Account (FSA) contributions will not carry forward to 2017 if you do not enroll. 2. ENROLL ONLINE FOR 2017 Instructions to enroll online are on the back page of your Personal Report. You can find the HR/Employee Self-Service (ESS) link on KMONLINE. Enrolling online is easy. 3. ADDING DEPENDENTS FOR 2017 If you are adding a dependent for 2017 that was not covered in 2016, you must certify that they meet the Plan s eligibility requirements and provide the required dependent documentation by Friday, October 28, Eligible dependent children can now be covered for all healthcare benefits up to age 26. Go to page 7 for more details. 4. CHECK YOUR CONFIRMATION STATEMENT A Confirmation Statement will be mailed to your home address in late November. When you receive it, check to make sure your 2017 elections are accurately reflected, and keep the statement for your records. Follow the instructions on the statement if you need to make changes. ENROLLMENT NOTICE If you do not actively enroll, your 2016 benefit elections (with the exception of pre-tax HSA and FSA contributions) will continue for Your current pre-tax HSA and FSA elections will not carry forward to 2017, and the default will be no coverage. INSIDE THIS GUIDE Benefits Costs... 1 Benefits/Medical/Rx Overview... 2 Medical and Rx Benefits... 3 Dental and Vision... 4 Life and AD&D Insurance... 5 Pre-tax Spending Accounts... 6 Enrolling Dependents... 7 Proof of Eligibility... 7 Status Changes... 8 Other Programs... 8 Contacts List... 9 To learn more about your healthcare plans and other benefits, read the Summary Plan Descriptions (SPDs). Go to KMONLINE > Benefits Online > Plans (SPDs). The SPDs provide details about covered services, eligibility requirements, enrollment, claims and appeals, and administrative and contact information. Please review the Important Notices also enclosed with your enrollment materials.

2 SUMMARY OF MATERIAL MODIFICATIONS (SMM) This guide contains important new information about your benefits coverage and serves as the official Summary of Material Modifications (SMM) to your Summary Plan Description (SPD). It provides information on your benefits under the Kinder Morgan, Inc. Master Employee Welfare Benefits Plan (Plan). This new information changes the information in the SPD. Please keep this information with your other Plan references. This SMM is only a summary of the modification to the Plan. The official Plan documents and contracts will govern in case of conflict. This is intended to be read in conjunction with the SPD. Kinder Morgan is the Plan sponsor and reserves the right to terminate or amend the Plan provisions described at any time. You can find the SPDs on KMONLINE > Benefits Online > Plans (SPDs). Your eligibility for the benefits described in this guide are determined as per the Plan, Contract, or employment documents and/or collective bargaining agreements.

3 BENEFITS COSTS Kinder Morgan has experienced a dramatic increase in healthcare costs during the past year. We continue to look for ways to keep healthcare costs manageable for you by working with our vendors to make sure they provide excellent value, customer service and programs. You can also help manage future healthcare costs by taking care of yourself and your dependents. See your doctor annually for a checkup and take your medications as prescribed. Login to and check out the health and wellness tools and resources that are available. You can also go to page 8 of this guide to learn more about some of the programs that are available for you and your family. Below are the 2017 premiums and rates. We have also enclosed a document showing a comparison between the 2017 and 2016 premiums for your information PREMIUMS Employee Only Employee + Spouse Employee + Child(ren) Employee + Family MEDICAL - Bi-Weekly Cost (pre-tax) UHC HDHP $ $ $ $ UHC PPO $ $ $ $ UHC EPO $ $ $ $ UHC Out-Of-Area (OOA) $ $ $ $ KAISER (California) $81.67 $ $ $ DENTAL - Bi-Weekly Cost (pre-tax) CIGNA DENTAL $ 6.96 $ $ $ VISION - Bi-Weekly Cost (pre-tax) VSP $ 3.86 $ 5.50 $ 6.44 $ OPTIONAL EMPLOYEE & SPOUSE LIFE INSURANCE - Monthly Cost (after-tax) Age Rate/$1,000 Age Rate/$1,000 Age Rate/$1,000 Age Rate/$1,000 Under 30 $ $ $ $ $ $ $ $ $ $ $1.290 OPTIONAL CHILD LIFE INSURANCE - Bi-Weekly Cost (after-tax): $0.92 VOLUNTARY AD&D INSURANCE - Monthly Cost (after-tax) Coverage Employee Spouse Children Rate/$1,000 Employee 100% N/A N/A $0.015 Employee & Spouse 100% 50% N/A $0.030 Employee, Spouse & Children 100% 40% 10% $0.030 Employee & Children 100% N/A 10% $0.030 NOTE: To calculate your Optional Employee/Spouse Life Insurance and Voluntary AD&D take the coverage amount and $1,000 x monthly rate above x 12 months = annual amount. Divide annual amount by 26 pay periods = bi-weekly amount. ENROLLMENT PERIOD: OCTOBER 14 28,

4 BENEFITS OVERVIEW ::: MEDICAL AND RX 2017 MEDICAL PLANS High Deductible Health Plan (HDHP) Preferred Provider Organization (PPO) Exclusive Provider Organization (EPO) Out-Of-Area (OOA) Review the coverage chart on page 3 carefully. Pay special attention to changes to the EPO, HDHP, and the Rx program. EPO Note: We are happy to be able to continue the valued EPO medical plan for However, we have made several design changes, including adding a deductible, and increased out-ofpocket maximums and copays. Please review the EPO plan provisions on the next page. ID cards: If you change medical plans, have a change in dependents, or enroll in the EPO plan, you will receive a new UHC medical ID card with your name and the names of your covered dependents. You will receive a separate CVS Caremark prescription card with only your name BENEFITS ELECTIONS SUMMARY You can enroll in the following benefits during Annual Enrollment: Medical (with prescription drug coverage) Dental Vision Life and Accidental Death & Dismemberment (AD&D) Insurance Pre-tax contributions to your HSA or FSA will NOT carry forward to 2017, so be sure to actively enroll if you want to continue making contributions. MEDICAL & PRESCRIPTION DRUG COVERAGE (Rx) You have a choice of medical plan options administered by United Healthcare (UHC). The High Deductible Health Plan (HDHP) is available to all employees. The other options offered to you depend on your home zip code. Review the Medical Benefits chart on the next page for coverage details. If you enroll in any Kinder Morgan medical plan option, prescription drug coverage that provides retail and mail services is automatically included. Our prescription drug program is administered by CVS Caremark (except for Kaiser). More information about the program can be found in the Medical SPD. If you live in California and enroll in the Kaiser Permanente medical plan option, you will also be automatically enrolled in the Kaiser prescription drug plan. Kaiser information is included in your enrollment packet if you reside in California. IMPORTANT: CVS Caremark Drug Program Changes We have several important drug program changes to announce for 2017: We are shifting to the Caremark Advanced Choice Network effective January 1, You must fill your prescriptions at an Advanced Choice Network pharmacy (like CVS or Walmart), or there will be NO COVERAGE. Go to and click on Order Prescriptions to access the Pharmacy Locator tool or call the number on your prescription ID card for network information. (Note: Walgreens is not in the Advanced Choice Network). To transfer your prescriptions, just provide the label information from a prescription bottle to a Caremark Advanced Choice Network pharmacy and they will take care of the rest. We have implemented mandatory Maintenance Choice (MC) for your maintenance prescriptions. This means that your maintenance prescriptions will NOT be covered unless they are filled by CVS Caremark mail order service or a CVS retail pharmacy (now found in Target stores). In addition, you are required to convert from a 30-day maintenance script to a 90-day script effective with the third fill of a maintenance drug, or there will be NO COVERAGE. We are also changing the minimums for our formulary and nonformulary drugs. See the Rx section on the bottom of page 3 for details. 2 KMONLINE > BENEFITS ONLINE

5 MEDICAL AND RX BENEFITS MEDICAL BENEFITS -- United Healthcare (UHC) HDHP 1 PPO EPO OOA 3 In-network Out-of-network 2 In-network Out-of-network 2 In-network only Out-Of-Area Annual Deductible Individual $1,300 $2,600 $500 $1,000 $250 $500 Family $2,600 $5,200 $1,000 $2,000 $500 $1,000 Annual Out-Of-Pocket Maximum Individual $4,800 $9,600 $2,500 $5,000 $7,150 $2,500 Family $7,150 $14,300 $5,000 $10,000 $14,300 $5,000 Doctor's Office Visit Primary Care 20%* 40%* $20/visit 40%* $30/visit 20%* Specialist 20%* 40%* $40/visit 40%* $50/visit 20%* Ambulance (Emergency only) 20%* 40%* No Charge No Charge No Charge 20%* Well-Child Care Office Visits & Immunizations $0/visit 40% $0/visit 40% $0/visit $0/visit Adult Preventive Care Routine Physicals, GYN exams/ Mammograms, Prostate exams $0/visit 40% $0/visit 40% $0/visit $0/visit Lab/X-Ray Non-Hospital 20%* 40%* No Charge 40%* No Charge 20%* Hospital 20%* 40%* 20%* 40%* No Charge 20%* Chiropractic** 20%* 40%* $40/visit 40%* $50/visit 20%* Emergency Room Care 20%* 20%* 20%* 20%* 20%* 20%* You must call Care Coordination within 2 days of admission to avoid penalty Hospital Surgery Outpatient 20%* 40%* 20%* 40%* $300/visit* 20%* Inpatient 20%* 40%* 20%* 40%* $750 per admission* 20%* Non-notification penalty $250 (The amount you must pay if you or your physician do not call UHC Care Coordination prior to a hospital admission and certain types of outpatient surgical procedures) Mental Health & Substance Abuse Outpatient 20%* 40%* $20/visit 40%* $30/visit 20%* Inpatient 20%* 40%* 20%* 40%* $750 per admission* 20%* 1 Annual deductible (which includes Rx) must be met before HDHP benefits are paid. 2 Subject to the Maximum Non-network Reimbursement Program method (MNRP 110%) when you use a non-network provider. 3 Subject to Reasonable & Customary (R&C) limits when you use a non-network provider. *after the deductible is met you pay this amount. **$1,000 annual maximum for HDHP, PPO and OOA EPO annual maximum = 60 visits per year. This is not a complete list of covered services. See the Medical SPD for more information. PRESCRIPTION DRUGS Caremark Advanced Choice Network Retail (up to a 31-day supply) Mail Order (up to a 90-day supply) Generic $10 copay Generic $20 copay Brand Formulary 1 25% coinsurance ($40 min) Brand Formulary 1 25% coinsurance ($80 min) Brand Non-Formulary 1 25% coinsurance ($60 min) Brand Non-Formulary 1 25% coinsurance ($120 min) Specialty Rx N/A Specialty Rx 2 $150 (30-day supply) 1 Your cost will be higher if you receive a name brand drug when a generic is available. 2 Limited to 30-day supply. MANDATORY MC: All maintenance drugs taken on a regular long-term basis (30 days or more) must be filled with a 90-day prescription through the CVS Caremark mail order service or a local CVS pharmacy (90-day supply), or effective with the 3rd fill there is NO COVERAGE. This is not a complete list of covered services. See the Medical SPD for more information. ENROLLMENT PERIOD: OCTOBER 14 28,

6 DENTAL ::: VISION DENTAL PROGRAM Kinder Morgan s dental benefits are administered by Cigna Dental. You may obtain dental treatment from a dentist in Cigna s Dental Preferred Provider Organization (DPPO) or from any dentist you choose. You will have lower out-of-pocket costs if you use a DPPO provider, since participating dentists have agreed to accept negotiated fees as payment in full for covered services. The dental plan covers preventive care paid at 100% for routine oral exams or cleaning and routine x-rays. After the deductible is met, the plan pays 80% of eligible expenses for some basic services, and 50% for certain major services ($2,000 calendar year maximum per participant). Orthodontia is also covered at 50% for dependent children less than 19 years of age ($1,500 lifetime maximum). Read the Dental SPD for more details. STAY CONNECTED! Manage your healthcare whenever and wherever you are by downloading our healthcare vendor apps today. Important data such as your member ID information will be at your fingertips. CONTACTS LIST For a list of our 2017 providers and other important numbers and links, go to page 9. If you newly enroll for dental coverage, you will receive a Cigna Dental ID card in the mail. The card will only have your name. Search for a network dentist by going to and be sure to download the mycigna mobile app to access your important dental health information anytime. VISION PROGRAM Kinder Morgan s vision program is administered by VSP. When you use a VSP network provider, you ll pay less out of your pocket, have greater coverage, and claims for benefits will be filed for you by the VSP provider. If you use a non-network provider for vision services, you will be required to pay for services at the time you receive them and then submit a claim reimbursement form to VSP. The vision plan covers annual eye exams, prescription glasses, contact lenses, and provides extra savings and discounts on other vision services, such as laser vision correction surgery and retinal screenings. VSP benefits have changed slightly. Please refer to the enclosed flyer. Go to the VSP website at or download the VSP mobile app to find network doctors and to manage your eye care needs. You will not receive a vision ID card, but coverage can be verified by VSP with your Social Security Number and group number Read the Vision SPD for more information. 4 KMONLINE > BENEFITS ONLINE

7 LIFE AND AD&D INSURANCE LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCE Kinder Morgan s Life and AD&D insurance are insured through Prudential. Basic Life and Basic AD&D are provided at no cost to you. The amount of coverage for each of these company-provided benefits is 2x your annual base salary not to exceed $800,000. Optional Life Insurance. To provide your family with additional financial protection, you may want to purchase and pay for Optional Life Insurance for yourself, your spouse or your children. You must be enrolled in Optional Employee Life to purchase Optional Spouse or Child Life, and your Optional Employee and/or Spouse election may be subject to Evidence of Insurability (EOI). EVIDENCE OF INSURABILITY (EOI): Additional amounts of employee and/or spouse life insurance coverage you purchase may be subject to EOI which is proof of good health that may be required by the insurance company. You will receive notice from Prudential at your home address in January 2017 if your elected coverage is subject to EOI. Please respond within 60 days to start the EOI review process, or your application for higher coverage may be closed. Optional Employee Life: Coverage can be elected in multiples of $10,000 up to 5x your annual base pay rounded up to the nearest $10,000 increment. Maximum coverage is the lesser of 5x your annual base pay or $2 million. If you are currently not enrolled, or if you increase your current coverage by more than $10,000, EOI will be required. Any increase in coverage greater than $240,000 is also subject to EOI. Optional Spouse Life: Coverage can be elected in multiples of $5,000 up to 50% of the approved Optional Employee Life coverage rounded up to the nearest $5,000 increment. Maximum coverage is the lesser of 50% of the approved Optional Employee amount or $250,000. If you are currently not enrolled, or if you increase your current coverage by more than $5,000, EOI will be required. Any increase in coverage greater than $50,000 is also subject to EOI. Optional Child Life Insurance: Children from live birth to age 26 are covered at $10,000 each. Voluntary Accidental Death & Dismemberment (AD&D). You may elect Voluntary AD&D coverage for just yourself or for you and your family. Coverage can be 1x to 5x your annual base pay rounded up to the nearest $1,000. Maximum coverage is the lesser of 5x your annual base pay rounded to the nearest $1,000 or $2 million. UPDATE YOUR BENEFICIARIES Protect your loved ones and update your beneficiary designations online today for Life and AD&D insurance, and for your Retirement and Savings Plan. It s important! Follow the directions at KMOnline > Benefits Online > Forms > Beneficiary Designation FINANCIAL POINT PLUS This program can help you protect your family with estate planning and guidance services, and also assist you with drafting a will. To learn more, visit: and enter the promotional code: EGP311 Employees should review and update beneficiaries by following the instructions on the right under Update Your Beneficiaries. The employee is automatically the beneficiary for any spouse or child life benefits. ENROLLMENT PERIOD: OCTOBER 14 28,

8 PRE-TAX SPENDING ACCOUNTS PRE-TAX CONTRIBUTIONS You can voluntarily elect to make pre-tax contributions to a spending account to help pay for your eligible healthcare or dependent care expenses. You must actively enroll and elect your annual pre-tax contributions for Your 2016 elections will not carry forward. Your Health Savings Account (HSA) or Flexible Spending Account (FSA) contributions will be deducted pre-tax from your paychecks throughout Check the chart below for your eligibility to contribute to an HSA or FSA; erroneous elections will default to no coverage. HSA AND FSA CONTRIBUTIONS HSA 1 Health Care FSA Limited Purpose FSA (LFSA) 2 Dependent Care FSA Eligible if Enrolled in HDHP Yes No Yes Yes Eligible if NOT Enrolled in HDHP No Yes No Yes Annual Contribution Limits $3,400/ $6,750 $2,550 $2,550 $5,000 Eligible Expenses (per IRS) 3 Health Care Health Care Dental & Vision Dependent Care Expenses must be incurred by N/A 03/15/18 03/15/18 12/31/17 Claim Filing Deadline N/A 03/31/18 03/31/18 03/31/18 Administrator Optum Bank PayFlex PayFlex PayFlex 1 Annual HSA limits: $3,400 for employee only coverage, and $6,750 for family coverage. An employee age 55 or older can make an additional $1,000 in catch-up contributions to an HSA. 2 LFSA may be used to pay for eligible dental and vision expenses; eligible medical and prescription expenses can be submitted after you meet your annual medical deductible (proof is required). 3 Health care can include qualifying medical, dental, or vision expenses. Health Savings Account (HSA) If you elect the HDHP medical plan option, you may elect to open and contribute to a Health Savings Account (HSA). Use your HSA dollars to pay for qualified health care expenses such as deductibles, copayments and coinsurance. And remember, your HSA balance rolls over from year to year with no forfeiting of contributions. Visit Optum Bank at If you are contributing to an HSA for the first time, KMI will open your account with our HSA trustee, Optum Bank. Your pre-tax dollars will be deposited once your account is established. A Welcome Kit with a MasterCard and PIN will be mailed to your home address. Flexible Spending Accounts (FSA) We have three FSAs available: the Health Care FSA, the Dependent Care FSA, and the Limited Purpose Health Care FSA (LFSA). Our FSAs are administered by PayFlex. Continue to use your PayFlex MasterCard to access your tax-advantaged account (including the LFSA beginning 2017). If you are a new FSA participant, you should receive a PayFlex MasterCard in the mail. Read the Flexible Spending Account SPD for more information. Limited Purpose FSA. If you are enrolled in the HDHP, you can elect to make contributions to a Limited Purpose FSA in addition to (or in lieu of) an HSA. An LFSA can only be used to pay for eligible dental and vision expenses. The LFSA cannot be used for medical and prescription expenses until you satisfy your annual medical deductible (proof is required). Log in and register on the PayFlex website at and remember to download the quick and easy-to-use PayFlex mobile app to access your account 24/7. 6 KMONLINE > BENEFITS ONLINE

9 ENROLLING DEPENDENTS ::: PROOF OF ELIGIBILITY ENROLLING YOUR ELIGIBLE DEPENDENTS If you are adding a dependent for benefits in 2017 that was not covered in 2016, you will need to provide proof of eligibility for coverage by Friday, October 28, See the Dependent Documentation Requirements below. DEPENDENT DOCUMENTATION DEADLINE IS FRIDAY, OCTOBER 28, 2016 Scan and required documentation to: annualenrollment@kindermorgan.com Write your name and employee ID on the subject line and on your documents DEPENDENT DOCUMENTATION REQUIREMENTS DEPENDENT CRITERIA REQUIRED DOCUMENTATION* Spouse Legally married more than 12 Months Front page of prior year s tax return showing married status and both names, OR Marriage Certificate AND current household bill or account statement showing joint ownership. Legally married less than 12 Months Marriage Certificate Children Biological, adopted or foster children, stepchildren, children of Domestic Partner, and children covered by Qualified Medical Child Support Order Children covered up to age 26 Child s Birth Certificate showing names of parents NOTE: Proof of student status or residency is no longer required Domestic Partner The affidavit of Domestic Partnership form and required documentation can be found on Benefits Online > Forms * Additional dependent documentation may be requested by the Benefits Department Medical/Rx, dental, and vision coverage for eligible dependent children can continue up to age 26. Coverage may be extended if the child is mentally or physically disabled and dependent upon you for care and support, and lives in your home (certification required). You must advise the Benefits Department within 30 days from the date the child turns age 26 for consideration of extended coverage. Medical proof of disability and support will be required. Examples of dependents requiring proof of eligibility: If you covered your eligible dependent child for only dental and/or vision coverage in 2016, but will be covering the same child for medical in 2017, you ARE required to submit documentation. If you covered your spouse and/or children for healthcare in a prior year (i.e or 2015), but not in 2016, you ARE required to submit documentation. ENROLLMENT PERIOD: OCTOBER 14 28,

10 STATUS CHANGES ::: OTHER PROGRAMS QUALIFIED STATUS CHANGES Take the time to think carefully about your 2017 benefit choices. You can only change your elections in 2017 if you have a qualified change in status, such as marriage, birth or adoption of a child, divorce or legal separation, death of a covered dependent, or a change in your spouse s or domestic partner s employment status. Changes due to a qualified change in status during the year must be made within 30 calendar days of the event. The date of the event is considered day one. To report your qualifying event, complete and submit the Employee Benefits Change Request (EBCR) form, including the supporting documentation to benefits@kindermorgan.com with your name and Employee ID on all documents and in the subject line. The EBCR form is available at KMONLINE > Benefits Online > Forms EMPLOYEE ASSISTANCE PROGRAM (EAP) Kinder Morgan s EAP is a free and voluntary assessment and referral service designed to provide confidential support and counseling to help you and your family cope with life s many challenges. UHC offers many services, tools and resources to help you and your family manage your healthcare needs when you are enrolled in a UHC plan. Below are just a few of the programs available to you. Register on and learn more. And be sure to download the mobile app to have all the information you need at your fingertips, any time and anywhere. ADVOCATE4ME PROGRAM Managing your health and your health plan benefits isn t always easy. With Advocate4Me, you now have a dedicated team of people ready to answer your questions, help you understand your treatment options, estimate costs ahead of time, and more. Refer to the enclosed UHC flyer. the UHC advocacy service at Advocate4Me@uhc.com or call the number on your UHC health plan ID card. Advocate4Me is available by phone, Monday through Friday, 8 a.m. 8 p.m. CT. UHC NURSELINE The UHC NurseLine service is available 24 hours every day for you and your family to help answer your health-related questions. Call (800) toll-free to reach a nurse who can provide you with information. TTY/TDD (Hearing impaired) (800) VIRTUAL VISITS Get access to care online at any time for non-emergency medical conditions. A virtual visit lets you connect and talk to a doctor from your mobile device or computer without an appointment. Doctors can even write a prescription. Login to and learn more. BABY BLOCKS UHC s free healthy pregnancy program offers personalized support before, during and after pregnancy. Participate and learn how to stay healthy and keep baby healthy too. Call to enroll at (877) REAL APPEAL COMING SOON The UHC Real Appeal Online Weight Loss program is launching in January The personalized and interactive Real Appeal program can help you live a healthier life. Look for details in Contact the Optum EAP 24/7 at (866) or go online at (access code: Kinder) to access helpful tools and resources. 8 KMONLINE > BENEFITS ONLINE

11 CONTACTS LIST PROVIDER TELEPHONE SERVICE/GROUP ID WEBSITE KM Benefits Department (866) option 3 Benefits KMONLINE > Benefits Online During Annual Enrollment only, scan and documentation to this address: annualenrollment@kindermorgan.com Scan and documentation due to status changes (or New Hires) to this address: benefits@kindermorgan.com Fax documentation to this number: (713) Mail documentation to this address: KM Benefits Department Please write your name and employee ID on all 1001 Louisiana St., Suite 1000 scanned documents and subject line Houston, TX United Healthcare (UHC) (877) Medical (700639) Kaiser (HMO) - California (800) Medical ( ) CVS Caremark (800) Prescription - Rx (5101) Cigna (800) Dental ( ) Vision Service Plan (800) Vision ( ) Optum EAP (866) Employee Assistance Program Access Code: kinder UHC - Nurseline (800) Optum NurseLine Available 24/7 Optum Bank (800) Health Savings Account PayFlex (800) Flexible Spending Accounts Prudential (800) Life & AD&D Insurance (51297) KM Benefits Service Center (866) Retirement (Pension) Plan Empower Retirement (844) Savings Plan - 401(k) AXA Assistance (800) Travel Assistance Program Computershare (800) ESPP www-us.computershare.com/employee It s important to review your beneficiary designations at least annually, and update them if necessary. Find the instructions on KMONLINE > Benefits Online > Forms > Beneficiary Designation. ENROLLMENT PERIOD: OCTOBER 14 28,

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