AUTONATION CANCER INSURANCE PLAN

Transcription

1 AUTONATION CANCER INSURANCE PLAN 2018 Summary Plan Description for the Cancer Insurance Plan

2 AUTONATION CANCER INSURANCE PLAN This booklet is a summary Plan description (SPD) of your AutoNation Cancer Insurance Plan. This SPD summarizes the Plan in nontechnical language so you can understand the benefits available to you. It does not grant or change your rights under the Plan, or those of your beneficiaries. If there is any conflict between this booklet and the insurance certificate, the insurance certificate will govern. The insurance certificate is available for review by contacting the Claims Administrator.

3 Contents Plan Overview... 1 Eligibility... 1 Who Is Eligible... 1 If You and Your Spouse Work for AutoNation... 1 If You and Your Dependent Child Work for AutoNation... 1 If Your Company or Location Is Acquired by AutoNation... 1 Eligible Dependents... 1 Who Is Not Eligible... 2 When Coverage Begins... 2 Your Cost for Coverage... 2 How to Enroll... 2 How the Plan Works... 3 Maximum Benefit... 3 Benefit Payment... 4 How Benefits Are Paid... 5 Claim Procedures... 5 Claim Filing Deadline... 5 Payment of Benefits... 5 Explanation of Benefits... 5 Naming a Beneficiary... 6 How to Appeal a Denied Claim for Benefits... 6 How to Appeal a Denied Claim for Eligibility... 6 Exclusions... 7 When Coverage Ends... 8 Portability... 8

4 Other Important Information... 9 No Guarantee of Employment... 9 Future of the Plan... 9 Statements Made by AutoNation... 9 Plan Administrator... 9 Privacy... 9 Security Measures Right to Recover Overpayment Physical Exam and Autopsy Legal Action Important Definitions Your Rights Under ERISA Administrative Information... 19

5 PLAN OVERVIEW ELIGIBILITY The AutoNation Cancer Insurance Plan ( the Plan ) provides valuable financial protection if you, your spouse or your covered children (up to age 26) are diagnosed with certain cancers. There are no medical exams to take and no health questions to answer to be eligible for the coverage. The Plan provides a full or partial cash benefit based on the covered cancer diagnosis. AutoNation provides this coverage at no cost to you. The company-paid Cancer Insurance Plan is not meant to replace medical insurance nor is the Plan contingent on your having medical insurance. Who Is Eligible You are automatically covered under the Plan if you are a regular: Full-Time Associate of AutoNation, Inc., who is regularly scheduled to work 30 hours or more each week or Part-Time Associate of AutoNation, Inc., classified as such upon hire. If You and Your Spouse Work for AutoNation If you and your spouse work for AutoNation, you will each be covered as an Associate. You cannot claim each other as a spouse. Additionally, only one of the parents can file a claim on behalf of a covered dependent child to avoid duplicate claims filed for the same child. If You and Your Dependent Child Work for AutoNation If you and a dependent child both work for AutoNation, you will each be covered as an Associate. The dependent cannot also be claimed as a child of the Associate. If Your Company or Location Is Acquired by AutoNation If your company or location is acquired by AutoNation, you will be eligible for AutoNation benefits on the date established for the transition to the AutoNation Plan (AutoNation will notify you of your benefit Effective Date). Eligible Dependents Eligible dependents include your Spouse and Eligible Dependents who meet the definition of Eligible Dependents in Important Definitions. 1

6 Who Is Not Eligible You are not eligible for benefits if you are: A temporary or seasonal Associate, unless you work enough hours to become benefits eligible A leased Associate A contract Associate An Associate who is a nonresident alien receiving no earned income from sources within the United States When Coverage Begins Effective January 1, 2018, all Full-Time and Part-Time Associates who met the Actively at Work requirement are covered. New hires who meet the Actively at Work requirement are covered on their date of hire. If you are not Actively at Work on your hire date or eligibility date, coverage will be delayed until you return to work and resume Active Employment. Coverage for your Eligible Dependents is effective on the later of your eligibility date or the date they become Eligible Dependents as defined in Important Definitions. Your Cost for Coverage AutoNation provides the Plan coverage at no cost to you. How to Enroll You are automatically enrolled when you become eligible. There is no enrollment form to complete. 2

7 HOW THE PLAN WORKS Benefit Suspension Period of 180 days between Recurrences. Initial Benefits and Recurrence Benefits will be paid until the Total Benefit Amount has been reached. This Cancer Insurance coverage provides a lump sum payment for: Your Initial Benefit provides a lump-sum payment if you or a covered family member is clinically diagnosed by a Board Certified Physician with a Covered Condition or a Recurrence of Cancer diagnosis, providing those covered meet the policy and certificate requirements. A Recurrence benefit is only available if an Initial Benefit has been paid for the Covered Condition. There is a ü ü Full Benefit Cancer all forms of advanced cancers are covered and may qualify for full benefits (as defined by the group policy or certificate). Partial Benefit Cancer most forms of early stage cancers are covered and may qualify for partial benefits (as defined by the group policy or certificate). Cancer Insurance Eligible Individual Full Benefit Partial Benefit Requirements Associate $5,000 $1,250 Coverage is guaranteed provided you are Actively at Work. Spouse Dependent Child(ren) 50% of the Associate s Initial Benefit, or $2,500 50% of the Associate s Initial Benefit, or $2,500 50% of the Associate s Partial Benefit, or $625 50% of the Associate s Partial Benefit, or $625 Coverage is guaranteed provided the Associate is Actively at Work and the Spouse is not subject to a medical restriction as defined in the Certificate of Coverage. Coverage is guaranteed provided the Associate is actively at work and the Dependent is not subject to a medical restriction as defined in the Certificate of Coverage. Maximum Benefit The maximum amount that you can receive through your Cancer Insurance plan is called the Total Benefit Amount and is 2 times the amount of your Initial Benefit. This means that you can receive multiple Initial Benefit and Recurrence benefit payments until you reach the maximum of 200% or $10,000. Please refer to the table below for the percentage benefit amount for each Covered Condition. Covered Cancers Initial Benefit Recurrence Benefit Full Benefit Cancer 100% of Initial Benefit 100% of Initial Benefit Partial Benefit Cancer 25% of Initial Benefit 25% of Initial Benefit 3

8 Example of How Cancer Insurance Initial and Recurrence Benefits Are Paid The example below, for an Associate, illustrates an Initial Benefit of $5,000 and a Total Benefit Amount of 2 times the Initial Benefit amount or $10,000. In this example, the Associate is diagnosed with leukemia and receives a Full Benefit. The Associate goes into remission, however, three years later the leukemia comes back. Another claim can be filed at that time and in this example, a Recurrence benefit is payable. Because the Total Benefit Amount of $10,000 has been paid no additional claims will be payable for that Associate or any of his/her covered Dependents. Illness Covered Condition Payment Total Benefit Remaining Full Benefit Cancer (leukemia) first diagnosis Initial Benefit payment of $5,000 or 100%. $5,000 Full Benefit Cancer (leukemia) second diagnosis, three years later Recurrence Benefit payment of $5,000 or 100% $0 The example below, for a covered Dependent, illustrates an Initial Benefit of $2,500 and a Total Benefit Amount of 2 times the Initial Benefit amount or $5,000. In this example, the covered Dependent is diagnosed with leukemia and receives a full benefit. The covered Dependent goes into remission, however, three years later the leukemia comes back. Another claim can be filed at that time and in this example, a Recurrence benefit is payable. Because the Total Benefit Amount has been paid no additional claims will be payable for that covered Dependent. Illness Covered Condition Payment Total Benefit Remaining Full Benefit Cancer (leukemia) first diagnosis Initial Benefit payment of $2,500 or 100%. $2,500 Full Benefit Cancer (leukemia) second diagnosis, three years later Recurrence Benefit payment of $2,500 or 100% $0 These examples are for illustrative purposes only. The MetLife Critical Illness Insurance Policy (AutoNation Cancer Insurance Plan) and Certificate are the governing documents with respect to all matters of insurance, including coverage for specific illnesses. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy and Certificate to determine coverage in each individual case. Benefit Payment Payment will be sent directly to you. The check is made payable to you. In lieu of a check, you may request direct deposit by following the instructions on the claim form. Payments are taxable since the premiums are paid for by the Company. MetLife will issue a Form 1099 in January, each year, for claim payments made in the prior year. MetLife cannot withhold taxes from claim payments. Consult your tax advisor for any questions regarding your applicable taxes. 4

9 HOW BENEFITS ARE PAID Claim Filing Deadline A claim must be filed as soon as possible but no later than twelve months from the covered cancer diagnosis. Claims will not be paid if submitted twelve months or later after the diagnosis. Claim Procedures All claims should be filed as soon as possible after you are informed of your cancer diagnosis. To file a claim, go to KnowYourBenefits.org to print your claim form. You may also contact MetLife at to request a claim form. Complete the claim form and submit to MetLife. It is important that you complete the claim form thoroughly and ensure all pages that require a signature are signed by both you and your physician. Additionally, if you are submitting a claim for a spouse or child, you must include dependent documentation, such as a marriage license or birth certificate to verify your spouse and/or child. Contact MetLife at for additional details. Payment of Benefits All benefits paid under this Plan will be paid directly to you, as long as you are living. You can designate a beneficiary to receive payment if you die. If you are not legally competent to claim and/or receive benefits, MetLife may pay up to $10,000 to anyone related to you by blood or marriage who they believe is entitled to it. If MetLife makes such payment in good faith, MetLife nor AutoNation will be liable to anyone for the amount paid. Explanation of Benefits When the claim is processed, you will receive the total benefits payable on your MetLife check stub. If you use direct deposit, the amount payable will be displayed on the MetLife website portal ( You can access the MetLife website portal by going to KnowYourBenefits.org and clicking the Cancer Insurance tile. Then select the Cancer Insurance Plan Information tile and click to link to MetLife. After logging on to the MetLife website, select the Claim Center tile and then Manage Claims under the Additional Insurance (Group Cancer Insurance) tile. 5

10 Naming a Beneficiary You should name a Beneficiary to receive your Plan benefits if you die. To do so, go to the benefit website at You may designate a beneficiary by completing the MetLife Beneficiary Designation form. You may change your beneficiary at any time. To do so, you must send a signed and dated written request to MetLife as indicated on the form, and retain a copy for your records. Your request to identify or change the beneficiary must be sent to MetLife no later than 90 days from the date you signed the request. You do not need the beneficiary s consent to make a change. When MetLife receives the change, it will take effect as of the date you signed it. The change will not apply to any payment made in good faith by MetLife before the change request is recorded. If you designated a beneficiary, upon your death, MetLife will pay to your Beneficiary any amount that is or becomes due. If two or more beneficiaries are designated and their shares are not specified, they will share the insurance equally. If you do not name a Beneficiary or if your designated Beneficiary is not living at the time of your death, the Plan will pay benefits to your survivors in the following order: 1. Your spouse 2. Your child or children 3. Your parent(s) 4. Your brother(s) or sister(s) 5. Your estate How to Appeal a Denied Claim for Benefits If you are not satisfied with the explanation, you have the legal right to appeal the denial. If you or your authorized representative appeal a denied claim, it must be submitted within 60 days after you receive the insurance company s notice of denial. You have the right to: submit a request for review in writing to the insurance company, review pertinent documents, and submit issues and comments in writing to the insurance company. The insurance company will make a full and fair review of the claim and may require additional documents as it deems necessary or desirable in making such review. A decision on the review shall be made not later than 60 days following receipt of the written request for review. If special circumstances require an extension of time for processing, you will be notified of the reasons for the extension and a decision shall be made not later than 120 days following receipt of the request for review. The decision shall be furnished in writing and shall include the reasons for the decision with reference, again, to those policy provisions upon which the decision is based. How to Appeal a Denied Claim for Eligibility If you or your authorized representative s appeal pertains to eligibility under the Plan write to: AutoNation Benefit Connection Claims and Appeals Management P.O. Box 1407 Lincolnshire, IL or fax to: Your appeal must be submitted within 180 days after you receive the insurance company s notice of denial. If your initial appeal is not approved, you have the right to request a second level of appeal. All second level appeals must be submitted within 60 days from the initial appeal decision. 6

11 Exclusions* MetLife will not pay benefits for a Diagnosis of Full Benefit Cancer for: Any condition that is a Partial Benefit Cancer Any benign tumor, dysplasia, intraepithelial neoplasia or pre-malignant growth Any papillary tumor of the bladder classified as Ta under TNM Staging Any tumor of the prostate classified as T1N0M0 under TNM Staging Any papillary tumor of the thyroid that is classified as T1N0M0 or less under TNM staging and is one centimeter or less in diameter unless there is metastasis MetLife will not pay benefits for a Diagnosis of Partial Benefit Cancer for: Any benign tumor, dysplasia, intraepithelial neoplasia or pre-malignant growth Any papillary tumor of the bladder classified as Ta under TNM Staging Any tumor of the prostate classified as T1aN0M0 under TNM Staging Any papillary tumor of the thyroid that is classified as T1N0M0 or less under TNM staging and is one centimeter or less in diameter Any non-melanoma skin cancer Any malignant in situ classified as TisN0M0 under TNM Staging Any non-melanoma skin cancer unless there is metastasis Any malignant tumor classified as less than T1N0M0 under TNM Staging * Refer to the Certificate of Coverage for a complete list of exclusions. 7

12 WHEN COVERAGE ENDS Portability If your insurance through AutoNation ends, you may be eligible to continue coverage directly with MetLife. You must contact MetLife at within 31 days of your coverage termination. Refer to the Certificate of Coverage for additional details. Coverage will end for you when any of the following events occur: You are no longer eligible for coverage. The date your employment ends for any reason The date you die. If AutoNation grants you a leave of absence, your Cancer Insurance Plan benefits will continue for the period of your approved leave, not to exceed six months. The date the Total Benefit Amount has been paid for you The end of the period for which the last full premium has been paid for you The date you cease to be in an eligible class Coverage will end for your dependents when any of the following events occur: The date your insurance under the Certificate of Coverage ends The date Dependent insurance ends under the Group Policy for all employees or for your class The date the person ceases to be a Dependent Midnight on the last day your Dependent Child is age 25. The date the Total Benefit Amount has been paid for that Dependent The date the Total Benefit Amount has been paid for you (the associate) The date you cease to be in a class that is eligible for Dependent Insurance The end of the period for which the last full premium has been paid for the Dependent 8

13 OTHER IMPORTANT INFORMATION No Guarantee of Employment Neither this booklet, or the benefits described in it, creates a contract of employment or a guarantee of employment between AutoNation and any Associate. Further, there is no guarantee that benefit levels will not be changed in the future or that the Plan will continue indefinitely. Future of the Plan AutoNation reserves the unfettered and unrestricted right to change, Amend or terminate the Plan for any reason at any time. AutoNation, pursuant to written action of its Board of Directors, is empowered to Amend the Plan or any benefit under the Plan. The Employee Benefits Committee ( the Committee ), which is established by the Board of Directors of AutoNation, is empowered to make Amendments to the Plan or any benefit under the Plan at any time by a written resolution, so long as the Amendment does not significantly increase or affect AutoNation s liability. Any Amendment which terminates the Plan or any portion of the Plan or the application of the Plan to any class of Associate must be approved by written action of the Board of Directors of AutoNation. If the Plan is terminated, the rights of covered persons to benefits are limited to claims incurred up to the date of termination. The benefits under the Plan are not vested and shall not become vested as a result of any oral representations or statements or written document by an AutoNation representative or agent unless such written document is adopted pursuant to the Amendment procedure set forth above. Statements Made by AutoNation Any oral representations or statements made to an Associate by an AutoNation representative or agent about benefits coverage under the Plan that conflict with Plan provisions will not be considered as representations or statements made by, or on behalf of AutoNation or the Plan, and will not bind AutoNation or the Plan for benefits under the Plan. Plan Administrator The Plan Administrator has overall responsibility for the operation of the Plan and controls the administration of the Plan. The Plan Administrator may delegate its authority and responsibility for certain parts of the Plan administration to other persons. You can receive additional information about the Plan and the Plan Administrator by contacting The Benefit Connection at BENE (2363). Privacy To the extent required under applicable law, all medical records and other individually identifiable health information shall be kept confidential and shall not be used for any purpose other than payment, treatment and health care operations under the Plan. AutoNation and the Plan shall establish such practices and procedures as they deem necessary to ensure such confidentiality and to comply with all such applicable laws. 9

14 Security Measures When AutoNation receives electronic protected health information from the Plan (beyond summary health information), it must comply with the HIPAA security terms in the Plan. The Plan document requires AutoNation, by the HIPAA Security Rule effective date, to: 1 implement administrative, physical and technical safeguards that reasonably and appropriately protect the confidentiality, integrity and availability of electronic protected health information; 2 ensure that the firewall required by the privacy rule is supported by reasonable and appropriate security measures; 3 ensure that any agent or subcontractor to whom AutoNation provides electronic protected health information agrees to implement reasonable and appropriate security measures; and Physical Exams and Autopsy As condition for receiving plan benefits, you may be required to be examined by a doctor designated by the insurance company. Such exams may be requested as often as reasonably necessary while your claim is pending. All costs for required exams will be paid by the Plan. The insurance company also may have an autopsy conducted, at its own expense, unless prohibited by law. Legal Action No legal action can be brought to recover under the Cancer Insurance Plan less than 60 days after a claim has been denied and no more than three (3) years following the date of the denial. 4 report to the Plan any security incident of which AutoNation becomes aware. Right to Recover Overpayment Payments are made in accordance with the provisions of the Plan. If it is determined that payment was made for benefits that are not covered by the Plan, for a participant who is not covered by the Plan or other similar circumstances, the Plan has the right to recover overpayment. The Plan will try to collect the overpayment from the party to whom the payment was made. However, the Plan reserves the right to seek overpayment from you and/or your covered dependents. Failure to comply with this request will entitle the Plan to withhold benefits due you and/or refer to an outside collection agency if internal collection efforts are unsuccessful. The Plan may also bring a lawsuit to enforce its right to recover overpayments. 10

15 Important Definitions These words and phrases have special meaning when used to describe your benefits under the Plan. Active Employment You are in Active Employment when you are working for AutoNation, Inc.: on a Full-Time basis, working 30 hours or more a week, and paid regular earnings; on a Part-Time basis, working less than 30 hours a week, and paid regular earnings; at AutoNation s usual place of business; at a location to which AutoNation business requires you to travel; or when you are regularly scheduled to work the number of hours specified by the Plan. Actively at Work Actively at Work means you are performing the usual and customary duties of your job. The work must be done at: an AutoNation s usual place of business, or an alternate place approved by AutoNation, or a location to which company business requires you to travel. You are Actively at Work during weekends or approved vacations, holidays or temporary business closures if you were Actively at Work on the last scheduled work day preceding such time off. Affiliate/Affiliated Employer Each subsidiary of AutoNation, Inc. that participates in the Plan. Amendment (Amend) A formal document signed by the representatives of AutoNation, Inc. and the insurer. The Amendment adds, deletes or changes the provisions of the Plan(s) and applies to all eligible participants, including those covered before the Amendment becomes effective, unless otherwise specified. Associate An employee of AutoNation, Inc. Beneficiary The person, persons, trust or other entity designated by you to receive benefits payable under the Plan as a result of your death or the death of your Beneficiary. Benefit Amount The amount MetLife uses to determine the benefit payable for a Covered Condition. Benefit Increase A simultaneous increase in both the Benefit Amount and Total Benefit Amount. Benefit Suspension Period The 180-day period following the date a Covered Condition, for which this Plan pays a benefit, occurs with respect to a Covered Person. Benign Tumor A benign tumor is a mass of cells that lacks the ability to invade neighboring tissue or metastasize. These characteristics are required for a tumor to be defined as cancerous and therefore benign tumors are noncancerous. Board Certified A Physician has received certification in the appropriate medical specialty by a member board of the American Board of Medical Specialties. Certificate of Coverage Your personal Certificate of Coverage issued by MetLife and any state specific requirements or riders attached. 11

16 Important Definitions Clinical Diagnosis A Diagnosis of Partial Benefit Cancer or Full Benefit Cancer based on the study of symptoms and diagnostic test results. Clinical Diagnosis of Partial Benefit Cancer or Full Benefit Cancer is accepted only if the following conditions are met: Under generally accepted medical standards, a pathological Diagnosis cannot be made because it would be medically inappropriate or lifethreatening; Medical diagnostic testing supports the Diagnosis; and A Physician who is a Board Certified oncologist is treating the Covered Person for Partial Benefit Cancer or Full Benefit Cancer Company AutoNation, Inc., and any of its affiliates. Covered Condition Means the following, as they are defined in the Certificate of Coverage: Full Benefit Cancer Partial Benefit Cancer Covered Person You and Your Dependents Dependent Your spouse and/or Dependent Child. Refer to your personal Certificate of Coverage issued by MetLife for additional covered dependents in accordance with the state specific eligibility definitions. Dependent Child Your biological, adopted, foster or step child who is under age 26.* Your children of any age who were continuously covered under the Plan prior to their twenty-sixth (26 th ) birthday, who are physically or mentally disabled, and unable to work and are principally supported by you. A disabled dependent certification is required at the time of claim. The term does not include an unborn or stillborn child, or a person who: is serving in the armed forces, or an auxiliary units of the armed forces of any country** lives outside of the United States for more than 12 consecutive months** is insured under the Group Policy as an employee A person cannot be insured as a Dependent Child of more than one employee under the Group Policy. Your foster child will not be a Dependent Child prior to the date the child is placed in your home. * Grandchildren are covered in Louisiana, Minnesota, North Dakota and Texas. Refer to your Certificate of Coverage for dependent requirements for grandchildren. * Civil Union children are covered in Vermont. ** In Texas these exclusions do not apply. Refer to your Certificate of Coverage for more information. Diagnosis The establishment of a Covered Condition by a Physician through the use of clinical and/or laboratory findings. Dysplasia The enlargement of an organ or tissue by the proliferation of cells of an abnormal type, as a developmental disorder or an early stage in the development of cancer. Effective Date The date the covered participant s coverage begins under the Plan. 12

17 Important Definitions Eligible Dependent Means Dependent insurance for a Dependent will take effect on the later of the date you are eligible for Dependent insurance and the date the Dependent becomes your Dependent, provided that on the date the Dependent meets the following requirements: The Dependent is not confined at home under a Physician s care; The Dependent is not receiving or applying to receiving disability benefits from any source; and The Dependent is not hospitalized. If a dependent does not meet these requirements on the date insurance for such Dependent would otherwise take effect, insurance for the Dependent will take effect on the date the Dependent is no longer; Confined at home under a Physician s care; Receiving or applying to receive disability benefits from any source; or Hospitalized. Employer AutoNation, Inc., and its affiliates. First Occurs or First Occurrence Full Benefit Cancer: the first time after a Covered Person initially becomes insured under the Group Policy that such Covered Condition Occurs Full Benefit Cancer: after an Occurrence of Full Benefit Cancer while the Covered Person is insured under the Group Policy; an Occurrence of a Separate and Unrelated Full Benefit Cancer Partial Benefit Cancer: the first time after a Covered Person initially becomes insured under the Group Policy that such Covered Condition Occurs. Partial Benefit Cancer: after an Occurrence of Partial Benefit Cancer while the Covered Person is insured under the Group Policy, an Occurrence of a Separate and unrelated Partial Benefit Cancer. Full Benefit Cancer The presence of one or more malignant tumors characterized by the uncontrollable and abnormal growth and spread of malignant cells with invasion of normal tissue provided that a Physician who is Board Certified in the medical specialty that is appropriate for the type of cancer involved has determined that: Surgery, radiotherapy or chemotherapy is medically necessary There is metastasis The patient has terminal cancer, is expected to die within 24 months or less from the date of diagnosis and will not benefit from, or has exhausted curative therapy Full Benefit Cancer-Malignant tumor classified as less than T1N0M0 under TNM Staging Cancer cells but the staging references that the cancer has not spread to the regional lymph nodes or has not metastasized. Full-Time An Associate who is regularly scheduled to work at least 30 hours each week. Group Policy The policy of insurance issued by MetLife to the Group Policyholder. Group Policyholder AutoNation, Inc. 13

18 Important Definitions Hospital A short-term, acute care, general facility which: Is primarily engaged in providing, by or under the continuous supervision of Physicians, to inpatients, diagnostic services and therapeutic services for Diagnosis, treatment and care of injured or sick persons; Has organized departments of medicine; Has facilities for major Surgery, either on its premises or through contractual arrangement with another hospital; Has a requirement that every patient must be under the care of a Physician or dentist; Provides 24-hour nursing service by or under the supervision of a registered professional nurse (R.N.); Is duly licensed by the agency responsible for licensing such Hospitals; and Is not, other than incidentally, a place of rest, a place primarily for the treatment of tuberculosis, a place for the aged, a place for drug addicts, alcoholics, or a place for convalescent, custodial, educational or rehabilitative care. Hospitalized admission for inpatient care in a Hospital; receipt of care in a hospice facility, an intermediate care facility or a long-term facility; or receipt of the following treatment, wherever performed; chemotherapy; radiation therapy; or dialysis Initial Benefit The benefit that MetLife will pay for a Covered Condition that First Occurs while coverage is in effect. Insured Any person covered under the Plan. Intraepithelial Neoplasia Abnormal cell growth that is found within epithelial cells but has not yet spread to neighboring, underlying, or distant tissues. Intraepithelial neoplasia is thought to be an early marker of some cancers, e.g., cancers of the breast, prostate, or uterine. Leave of Absence Approved period of time away from work. Types of leaves are limited to the following: Company, disability, leave under the Family and Medical Leave Act (FMLA), military service, personal, or workers compensation. Maximum Benefit Amount Means the maximum amount of benefits for which an individual in an eligible class can apply under the Group Policy. Non-melanoma Skin Cancer Skin cancer the abnormal growth of skin cells most often develops on skin exposed to the sun. Occurs or Occurrence With respect to Full Benefit Cancer or Partial Benefit Cancer that the covered Person 1. Experiences such Covered Condition and 2. Is Diagnosed with such Covered Condition 14

19 Important Definitions Papillary tumor of the bladder classified as Ta under TNM Staging The stage refers to the physical location of the tumor within the bladder or, more specifically, the tumor's depth of penetration. In general, tumor stage is confined to one of two categories: (1) superficial, surface tumors, or (2) invasive, deepspreading tumors. Papillary tumor of the thyroid that is classified as T1N0M0 or less under TNM Staging and is one centimeter or less in diameter unless there is metastasis Same reference around staging as with the prostate classification. Part-Time An Associate who is regularly scheduled to work less than 30 hours each week. Partial Benefit Cancer One of the following conditions that meets TNM Staging classification and other qualifications specified below: Carcinoma in situ classified as TisN0M0, provided that Surgery, radiotherapy or chemotherapy has been determined to be medically necessary by a Physician who is Board Certified in the medical specialty that is appropriate for the type of carcinoma in situ involved Malignant tumors classified as T1N0M0 or greater which are treated by endoscopic procedures alone; Malignant melanomas classified as T1N0M0, for which a pathology reports shows maximum thickness less than or equal to 0.75 millimeters using the Breslow method of determining tumor thickness Partial Benefit Cancer Any melanoma in situ classified as TisN0M0 under TNM Staging Melanoma, the most serious type of skin cancer, develops in the cells (melanocytes) that produce melanin the pigment that gives your skin its color. Tis means that the cancer cells are only growing in the most superficial layer of tissue, without growing into deeper tissues. This may also be called in situ cancer or pre-cancer. N0 (N plus zero): The cancer has not spread to the regional lymph nodes. M0 (M plus zero): The disease has not metastasized. Physician An individual who has received a degree or doctor of medicine (M.D.) or doctor of osteopathy (D.O.) and is acting within the scope of a valid license issued in the United States to diagnose a Covered Condition or to perform the services required for a Covered Condition for which a claim is made. A Physician is not: You Your Spouse or anyone to whom you are related by blood or marriage Anyone with whom you are residing Your adopted or step-child Anyone with whom you share a business interest Your employee Tumors of the prostate classified as T1bN0M0 or T1cN0M0 provided that they are treated with a radical prostatectomy or external beam radiotherapy. 15

20 Important Definitions Plan The AutoNation Cancer Insurance Plan, which is part of the AutoNation Group Health and Welfare Plan. Plan Administrator The sole fiduciary of the Plan who exercises all discretionary authority and control over the administration of the Plan and the management and disposition of Plan assets. The Plan Administrator shall have the sole discretionary authority to determine eligibility for Plan benefits or to construe the terms of the Plan. The Plan Administrator has the right to Amend, modify or terminate the Plan in any manner, at any time, regardless of the health status of any Plan participant or Beneficiary. The Plan Administrator may hire someone to perform claims processing and other specified services in relation to the Plan. Any such contractor will not be fiduciary of the Plan and will not exercise any of the discretionary authority and responsibility granted to the Plan Administrator as described above. Pre-malignant growth A precancerous condition or premalignant condition, sometimes called a potentially precancerous condition or potentially premalignant condition, is a state of disordered morphology of cells that is associated with an increased risk of cancer. Proof Written evidence satisfactory to MetLife that a claimant has satisfied the conditions and requirements for any benefit described in the Certificate of Coverage. When a claim is made for any benefit described in the Certificate of Coverage, Proof must be establish: The nature and extent of the loss or condition MetLife s obligation to pay the claim and The claimants right to receive payment Except as provided in the Examinations and Autopsy provisions of the Certificate of Coverage, Proof must be provided at the claimant s expense. Plan Sponsor AutoNation, Inc. 16

21 Important Definitions Recur or Recurrence With respect to Full Benefit Cancer, an Occurrence of Full Benefit Cancer that occurs after an Initial Benefit was paid for a First Occurrence of that same Full Benefit Cancer. With respect to Partial Benefit Cancer, an Occurrence of Partial Benefit Cancer that Occurs after an Initial Benefit was paid for a First Occurrence of that same Partial Benefit Cancer. Refer to the Benefit Suspension Period definition. Separate & Unrelated A Full Benefit Cancer or a Partial Benefit Cancer that is: Not a metastasis of a previously Diagnosed Full Benefit Cancer and Distinct from any previously Diagnosed Full Benefit Cancer or Partial Benefit Cancer. Spouse Your lawful spouse.* The term does not include any person who: Is serving in the armed forces, or auxiliary units of the armed forces of any country** Lives outside the United States for more than 12 consecutive months** or Is insured under the Group Policy as an employee * Domestic Partners are covered in Connecticut, Delaware, Montana, Oregon and Washington. Civil Union Partners are covered in Delaware and Vermont. Refer to your Certificate of Coverage for more information. ** In Minnesota and Texas, these exclusions do not apply. Refer to your Certificate of Coverage for more information. Surgery A procedure performed by a Physician involving the cutting of the Covered Person s skin or tissue that in and of itself is intended to be curative or palliative. Surgery does not include endoscopic procedures. TNM Staging The TNM Classification of Malignant Tumors (TNM) is a cancer staging notation system that gives codes to describe the stage of a person's cancer, when this originates with a solid tumor. Tumor (T): How large is the primary tumor? Where is it located? Node (N): Has the tumor spread to the lymph nodes? If so, where and how many? Metastasis (M): Has the cancer metastasized to other parts of the body? If so, where and how much? Total Benefit Amount The maximum aggregate amount that MetLife will pay for any and all Covered Conditions combined, per Covered Person, per lifetime, as provided under the Certificate of Coverage. Once an associate reaches his/her maximum benefit amount, coverage for the entire family ends. Tumor of the prostate classified as T1N0M0 (Full Benefit) and T1aN0M0 (Partial Benefit) under TNM Staging Full Benefit Cancer: T1: The tumor cannot be felt during a digital rectal exam and is not seen during imaging tests. It may be found when surgery is done for another reason, usually for Benign prostatic hyperplasia (BPH) or an abnormal growth of noncancerous prostate cells. N0 (N plus zero): The cancer has not spread to the regional lymph nodes. M0 (M plus zero): The disease has not metastasized. Partial Benefit Cancer: T1a: The tumor is in 5% or less of the prostate tissue removed during surgery. N0 (N plus zero): The cancer has not spread to the regional lymph nodes. M0 (M plus zero): The disease has not metastasized. United States The United States of America, its territories and its possessions. 17

22 YOUR RIGHTS UNDER ERISA As a participant in the AutoNation Cancer Insurance Plan, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974, as amended ( ERISA ). ERISA provides that you, as a Plan participant, are entitled to the following: Examine all documents governing the Plan, including insurance contracts and a copy of the latest annual report (Form 5500 Series) filed by the Plan with the U.S. Department of Labor, without charge at either the Plan Administrator s office or at other specified locations. Obtain copies of all documents governing the operation of the Plan, including insurance contracts and a copy of the latest annual report (Form 5500 Series) and an updated summary Plan description upon written request to the Plan Administrator. The Plan Administrator may make a reasonable charge for the copies. Receive a summary of the Plan s annual financial report. By law, the Plan Administrator must furnish each participant with a copy of this summary annual report. In addition to creating rights for Plan participants, ERISA imposes duties on the people who are responsible for operating this Plan. The people who operate your Plan, called fiduciaries, have a duty to do so prudently and in your interest and that of other Plan participants and beneficiaries. No one, including your Employer or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a welfare benefit or exercising your rights under ERISA. If your claim for a welfare benefit is denied or ignored in whole or in part, you must receive a written explanation of the reason for the denial and you have the right to obtain copies of documents relating to the decision without charge within certain time schedules. You have the right to have the Plan Administrator review and reconsider your claim within certain time schedules. Under ERISA, there are steps you can take to enforce these rights. For instance, if you request a copy of Plan documents or the latest annual report from the Plan Administrator and do not receive them within 30 days, you may file suit in a federal court. In such a case, the court may require the Plan Administrator to provide the materials and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the Plan Administrator s control. If you have a claim for benefits that is denied or ignored, in whole or in part, you may file suit in a state or federal court. If the Plan fiduciaries misuse the Plan s money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a federal court. The court will decide who should pay court costs and legal fees. If you are successful, the court may order the person you have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and fees for example, if it finds your claim is frivolous. If you have any questions about your Plan, you should contact the Plan Administrator. If you have any questions about this statement or about your rights under ERISA or if you need assistance in obtaining documents from the Plan Administrator, you should contact the nearest office of the Employee Benefits Security Administration, U.S. Department of Labor, listed in your telephone directory or the Division of Technical Assistance and Inquiries, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue NW, Washington, DC You may also obtain certain publications about your rights and responsibilities under ERISA by calling the publications hotline of the Employee Benefits Security Administration at

23 Administrative Information The following is important identification and administrative information about the AutoNation Cancer Insurance Plan. The Plan number identifies the Plan with the Internal Revenue Service and the U.S. Department of Labor. Official Plan Name Plan Type AutoNation Cancer Insurance Plan This Plan is a welfare plan, as defined in Section 3 (1) of the Employee Retirement Insurance Security Act of 1974, as amended. Plan Number 521 Plan Sponsor, Administrator and Agent for Service of Legal Process Controlling Law AutoNation, Inc. c/o AutoNation Benefits Company 200 Southwest First Avenue, 14th Floor Fort Lauderdale, FL The Plan is administered by the Employee Benefits Committee (the Plan Administrator ). The Plan Administrator makes all determinations as to the administration and interpretation of the Plan. The Plan Administrator is the agent for service of legal process. The laws of the state of Florida shall be the controlling state law in all matters relating to the Plan and shall apply to the extent not preempted by the laws of the United States of America. Employer Identification Number Plan Year January 1 December 31 Claims Administrator MetLife Insurance Company Attn: MetLife Cancer Insurance Product P.O. Box Lincoln, NE Claims: Fax: All benefits under the Plan are fully Insured and governed by contracts or policies issued by MetLife Insurance Company. The insurance company administers all claims under the Plan and provides other administrative services as described throughout this Summary Plan Description. The policy, which confirms your benefits under the Plan, is available for review by contacting the Plan Administrator. 19

24 Type of Financing Company General assets of AutoNation, Inc., as determined by AutoNation, Inc in its discretion. AutoNation, Inc. and certain of its affiliates. You can obtain a copy of the complete listing of companies or divisions participating in the Plan by writing to the Plan Administrator. The list is available for examination by participants and beneficiaries. Corporate Retail