YES PREP PUBLIC SCHOOLS 2018/2019 BENEFIT PLAN YEAR

Transcription

1 2018/2019 BENEFIT PLAN YEAR

2 BENEFITS FOR A HAPPIER HEALTHIER LIFE WHAT S INSIDE 1. ABOUT THIS ENROLLMENT 2. HEALTH & HSA/FSA/DCAP OPTIONS 3. DENTAL 4. VISION 5. LIFE 6. DISABILITY 7. ACCIDENT CARE CRITICAL CARE WITH CANCER CARE EMPLOYEE ASSISTANCE PROGRAM 10. HOSPITAL INDEMNITY 11. PET INSURANCE - NEW! 2. HYATT LEGAL PLAN - NEW! (K) PLAN 14. CONTACT INFORMATION WHO S ELIGIBLE FOR COVERAGE? Employees regularly working at least 10 hours per week are eligible to apply for medical and 20 hours or more per week are eligible to apply for supplemental benefits. Please visit the 401k page for eligibility requirements. WHEN DOES COVERAGE BEGIN? Coverage for medical and supplemental benefits (excluding 401k) begin on the first day of the month following the employment date.

3 ABOUT OPEN ENROLLMENT ABOUT YOUR BENEFITS PACKAGE YES Prep Public Schools is proud to offer you a benefits package that gives you the options to make the best decisions for your health and the health of your family. Your benefits package is an important piece to help you and your loved ones not only stay physically well, but financially well, too. The benefits offered to you are offered at a discounted group rate, so you can create a comprehensive package that fits within your budget. IMPORTANT NOTES ABOUT THIS BENEFIT YEAR & ENROLLING ONLINE ANNUAL ENROLLMENT BEGINS ON JULY 25th AND ENDS ON AUGUST 8th (MIDNIGHT) START BY GOING TO YOUR YES PREP EMPLOYEE BENEFITS WEBSITE AT TO FIND ALL BENEFITS RELATED ITEMS. YOUR ENROLLMENT OPTIONS: PASSIVE ENROLLMENT FOR All employees wishing to make changes must login and make their benefits elections online. Additionally, the IRS requires employees to re-enroll in the FSA and DCAP plans annually. 1. Changes/Enrollment can be completed online by going to and clicking on the "Enroll Now" button. See page 4 for details. 2. You can also speak with a representative in our call center from 7:00 a.m. to 7:00 p.m. Monday through Friday. Just call and speak with a representative today. If you do not wish to make any changes, any benefits previously elected will carry over for

4 ONLINE ENROLLMENT INSTRUCTIONS PlanSource - OUR ONLINE PLATFORM TO START YOUR ONLINE ENROLLMENT GO TO AND NAVIGATE TO THE ENROLL NOW BUTTON. ONCE YOU ARE AT THE ENROLL NOW BUTTON YOU WILL BE ABLE TO BEGIN YOUR ENROLLMENT. WHEN YOU GET TO THE PLANSOURCE WELCOME SITE YOU WILL COMPLETE THE FOLLOWING TO LOGIN: HERE S TO LIVING A HAPPIER, HEALTHIER LIFE. certificate of insurance. For more information about the benefits presented to you, contact your benefit 1. ENTER THE REQUIRED INFORMATION IN THE "USERNAME'" SECTION Your username is the same as your YES Prep username (first part of your YES Prep address Ex: Taylor Williams Username: taylor.williams 2. ENTER THE REQUIRED INFORMATION IN THE "PASSWORD'" SECTION Your initial password is the last four digits of your social security number. Once you login, you ll be prompted to create a new password. FOLLOW THE INSTRUCTIONS AND ELECT YOUR BENEFITS. The site will include some important information about your benefit selections as well as the enrollment process, so be sure to slow down and read the instructions carefully. Once on the homepage, click "Get Started" to begin. It is important to reveiw and update your profile to ensure information about yourself and your family is correct. If you have questions please visit or contact YES PREP BENEFIT ADVOCATE CENTER at (833)

5 HEALTH COVERAGE CHOOSE THE PLAN THAT WORKS BEST FOR YOU ACTIVECARE 1 HD [OR] ACTIVECARE SELECT [OR] ACTIVECARE 2** WHAT S COVERED? No matter which health option you choose, you re covered. Below, we cover a few things included in your coverage options at no cost to you. YEARLY PHYSICALS IMMUNIZATIONS ANNUAL SCREENINGS [Like your yearly routine physical with your PCP] [Recommended by Advisory Committee of Immunization Practices of the CDC] [Cancer screening mammograms or colonoscopies; bone density tests, etc.] COSTS FOR COVERAGE Costs listed below are shown as per paycheck premiums. EMPLOYEE ACTIVECARE 1 HD ACTIVECARE SELECT ACTIVECARE 2** HERE S TO LIVING A HAPPIER, HEALTHIER LIFE. YOUR COST $0.00 $43.56 $ PAID BY YES PREP $ $ $ CHILDREN WHAT YOU PAY $99.63 $ $ PAID BY YES PREP $ $ $ SPOUSE certificate of insurance. For more information about the benefits presented to you, contact your benefit WHAT YOU PAY $ $ $ PAID BY YES PREP $ $ $ FAMILY WHAT YOU PAY $ $ $ PAID BY YES PREP $ $ $ QUALIFYING ACCOUNT HSA [OR] LIMITED FSA FSA FSA YOU MAY EITHER ELECT A HEALTH SAVINGS ACCOUNT (HSA) OR A FLEXIBLE SPENDING ACCOUNT (FSA) BUT NOT BOTH. **EMPLOYEES CURRENTLY ENROLLED IN ACTIVECARE 2 AS OF SEPTEMBER 1, 2018 CAN REMAIN IN THIS PLAN, BUT ACTIVECARE 2 NEW ENROLLEES WILL NOT BE PERMITTED AFTER SEPTEMBER 1, 2018.

6 HEALTH COVERAGE HIGHLIGHTS YOUR OUT-OF-POCKET COSTS ACTIVECARE 1 HD ACTIVECARE SELECT ACTIVECARE 2 PLAN YEAR DEDUCTIBLE EMPLOYEE ONLY/EMPLOYEE+ $2,750/$5,500 $1,200/$3,600 $1,000/$3,000 OUT-OF-POCKET MAX EMPLOYEE ONLY/EMPLOYEE+ $6,650/$13,300 $7,350/$14,700 $7,350/$14,700 PHYSICIAN OFFICE VISITS PRIMARY CARE 20% AD* $30 COPAY $30 COPAY SPECIALIST CARE 20% AD* $70 COPAY $70 COPAY EMERGENCY SERVICES EMERGENCY ROOM/FREESTANDING ER 20% AD* / $500+20% AD* $ % / $ % AD $ AD / $ % AD HOSPITALIZATION & SURGICAL INPATIENT PROCEDURE 20% AD* $ % AFTER DEDUCTIBLE $ ,3 + 20% AFTER DEDUCTIBLE OUTPATIENT PROCEDURE 20% AD* $ % AFTER DEDUCTIBLE $ % AFTER DEDUCTIBLE OTHER SERVICES HI-TECH RADIOLOGY 20% AD* $ % AFTER DEDUCTIBLE $ % AFTER DEDUCTIBLE TELEDOC PHYSICIAN SERVICES $40 COPAY $0 COPAY $0 COPAY PRESCRIPTIONS GENERIC/BRAND-NAME SUBJECT TO MEDICAL DEDUCTIBLE $0/$200 $0/$200 *AD - After Deductible ABOUT YOUR SAVINGS ACCOUNTS 1. WAIVED IF ADMITTED; 2. $750 COPAY MAX COPAY PER ADMISSION; 3. $2,250 COPAY MAX PER PLAN YEAR HSA: A HSA is like a 401(k) retirement account, but it s for medical expenses. You can only have an HSA if you enroll in an HSA-compatible insurance plan. You can only spend the amount of funds you have already contributed to the account. Contributions to this account are pre-tax and you can invest the funds in your HSA. YES Prep Public Schools will contribute $50 per month to your employee HSA Plan, but does not cover admin costs. Your max yearly contribution $3,450 for individuals and $6,900 for family. FSA: A FSA is set up by your employer. They own the account, but you get to decide which qualified medical expenses to pay for with your FSA. What makes it flexible? It works with most of our employer-sponsored health plans. With an FSA you can use amount of funds you have elected to contribute through the year before you ve contributed the full amount. Contributions to this account are pre-tax. DCAP: A DCAP is an employer-sponsored program that helps employees with the cost of dependent care expenses. It establishes an account from which an employee may seek reimbursement for eligible dependent care expenses. In most cases, a DCAP account is funded by employees with pretax dollars through payroll deductions. Your max yearly contribution for a DCAP (Dependant Care Assistance Program) for a married employee that files a joint tax return is $5,000. A married employee that files a separate tax return may only place up to $2,500 per calendar year in a DCAP.

7 HSA, FSA & DCAP HSA (HEALTH SAVINGS ACCOUNT) AVAILABLE WITH ACTIVECARE 1HD WHY CHOOSE A HSA Contributions never expire Acts like a 401(k) so you can withdraw funds at qualifying age Contributions are pre-tax ABOUT YES PREP S HSA OPTION YES Prep contributes $50 per month to your employee HSA plan You cover administrative costs Yearly max contribution for individuals is $3,450 Yearly max contribution for families is $6,900 FSA (FLEXIBLE SPENDING ACCOUNT) AVAILABLE WITH ACTIVECARE 1HD; ACTIVECARE SELECT; ACTIVECARE 2 HEALTHY SMILES. HEALTHY HEARTS. HAPPY LIVES. certificate of insurance. For more information about the benefits presented to you, contact your benefit WHY CHOOSE A FSA Yearly funds amounts you choose to contribute are available immediately Contributions are pre-tax up to $2,500 annually You can use for multiple medical expenses ABOUT YES PREP S FSA OPTION You can use funds beginning September 1st, 2018 Funds must be used by September 1st, 2019 (You can rollover up to $500 of unused funds) DCAP (DEPENDENT CARE ASSISTANCE PROGRAM) AVAILABLE WITH ACTIVECARE HD 1; ACTIVECARE SELECT; ACTIVECARE 2 WHY CHOOSE A DCAP Contributions may be pre-tax You can use for qualifying care options for your dependents ABOUT YES PREP S DCAP OPTION Employees married and filing jointly may contribute $5,000 annually Employees married and filing separately may contribute up to $2,500

8 DENTAL COVERAGE COSTS FOR COVERAGE Costs listed below are shown as per pay premiums. COVERAGE OPTIONS YOUR COST PER PAY ANNUAL DEDUCTIBLE EMPLOYEE $13.35 $ CHILDREN $32.99 up to $ SPOUSE $26.20 up to $ FAMILY $46.00 up to $ HEALTHY SMILES. HEALTHY HEARTS. HAPPY LIVES. certificate of insurance. For more information about the benefits presented to you, contact your benefit YOUR OUT-OF-POCKET COSTS DIAGNOSTIC/PREVENTIVE YOUR PORTION Exams, Cleanings, Fluoride, Sealants, X-Rays, Space Maintainers 0% BASIC RESTORATIVE Fillings, Simple Extractions, Repairs 20% MAJOR RESTORATIVE Root Canals, Complex Extractions, Non-Surgical & Surgical Periodontics, Bridges, Dentures, Crowns, Inlays, Onlays, Implants ORTHODONTIA Child Only - up to age 26 if FT student ($1,500 Lifetime Max) 50% ANNUAL BENEFIT MAX: $1,500 50%

9 VISION COVERAGE COSTS FOR COVERAGE Costs listed below are shown as per pay premiums. COVERAGE OPTIONS YOUR COST PER PAY EMPLOYEE $3.32 +CHILDREN $5.70 +SPOUSE $5.59 +FAMILY $9.02 YOUR OUT-OF-POCKET COSTS SERVICES IN-NETWORK ALLOWANCE OUT-OF-NETWORK ALLOWANCE IT S TIME TO SEE LIFE A LITTLE MORE CLEARLY. Eye Exam $10 copay $50 Frames $ % Discount $48 Single Vision Lenses $25 copay $48 Bifocal Lenses $25 copay $67 Trifocal Lenses $25 copay $86 certificate of insurance. For more information about the benefits presented to you, contact your benefit Lenticular Lenses $25 copay $126 Contact Lenses - Medically Necessary/ Elective 100% of Cost/up to $ % discount, if elective $210 / $105 Lasier Correction Discount N/A

10 BASIC LIFE COVERAGE AS AN ADDED BENEFIT FOR OUR TEAM, YES PREP OFFERS A BASIC LIFE INSURANCE POLICY AT NO COST TO YOU! COVERAGE IS PORTABLE & CAN BE CONVERTED. The Basic life and accidental death & dismemberment (AD&D) coverage for yourself (the employee) offers a benefit of $15,000 for all eligible employees. It is important to remember to designate/update your Beneficiary during enrollment. [ELIGIBILITY] Enrollment for the Basic Life insurance policy is automatic for all eligible full time YES Prep employees. This benefits also includes Accidental Death and Dismemberment coverage that equals 100% of the Life Benefit to a maximum of $15,000. PEACE OF MIND. certificate of insurance. For more information about the benefits presented to you, contact your benefit

11 LIFE COVERAGE CHOOSE THE COVERAGE AMOUNT THAT WORKS FOR YOU, YOUR BUDGET, AND YOUR FAMILY. COVERAGE IS PORTABLE & CAN BE CONVERTED. [COVERAGE FOR YOU] Elect life and accidental death & dismemberment (AD&D) coverage for yourself (the employee) in increments of $10,000 with a minimum election of $20,000 to a maximum of $250,000 without submitting a Medical Evidence of Insurability. You may apply for coverage up to $500,000 by submitting a Medical Evidence of Insurability. PEACE OF MIND FOR THE WHOLE FAMILY. [COVERAGE FOR YOUR SPOUSE] Elect life and AD&D coverage for your spouse in increments of $5,000 with a minimum election of $10,000 to a maximum of $50,000 without submitting a Medical Evidence of Insurability. You may apply for coverage up to $250,000 by submitting a Medical Evidence of Insurability. Coverage can t exceed 50% of your (the employee s) coverage amount. [COVERAGE FOR YOUR CHILDREN] Elect life and AD&D coverage for your children age 14 days to 26 years in the amount of $2,500; $5,000; or $10,000. Coverage for children age birth to 14 days is $1,000. certificate of insurance. For more information about the benefits presented to you, contact your benefit COSTS FOR COVERAGE Costs below are shown as monthly premiums for $1,000 increments. UNDER $0.079 $0.099 $0.113 $0.142 $0.202 $0.311 $0.525 $0.720 $1.289 $2.238 Employee monthly costs are based upon employee s age. Spouse cost per month are based upon spouse s age. MONTHLY COST FOR CHILD(REN) COVERAGE PER $1,000: $0.23

12 SHORT-TERM DISABILITY COVERAGE MAKING THE DECISION TO INSURE YOUR INCOME COULD MAKE ALL THE DIFFERENCE IF YOU BECOME DISABLED. [SHORT TERM DISABILITY COVERAGE] Protect up to 60% of your weekly earnings to a maximum of $1,250 per week. Monthly premium rates are below. Benefits start on the 8th day of disability caused by a covered illness or accident and may be payable up to 13 weeks if you re disabled from your own occupation due to an accident or illness. A 3/12 pre existing condition limitation applies. For those currently on The Standard Disability Plan will be grandfathered and pre existing condition clauses will be waived. YOUR INCOME IS ONE OF YOUR MOST IMPORTANT ASSETS. certificate of insurance. For more information about the benefits presented to you, contact your benefit Weekly Benefit Min. Annual Salary < $100 $8,667 $5.39 $7.39 $5.19 $3.49 $3.28 $3.54 $3.94 $6.15 $200 $17,333 $10.78 $14.78 $10.38 $6.98 $6.56 $7.08 $7.88 $12.30 $300 $26,000 $16.17 $22.17 $15.57 $10.47 $9.84 $10.62 $11.82 $18.45 $400 $34,667 $21.56 $29.56 $20.76 $13.96 $13.12 $14.16 $15.76 $24.60 $500 $43,333 $26.95 $36.95 $25.95 $17.45 $16.40 $17.70 $19.70 $30.75 $600 $52,000 $32.34 $44.34 $31.14 $20.94 $19.68 $21.24 $23.64 $36.90 $700 $60,667 $37.73 $51.73 $36.33 $24.43 $22.96 $24.78 $27.58 $43.05 $800 $69,333 $43.12 $59.12 $41.52 $27.92 $26.24 $28.32 $31.52 $49.20 $900 $78,000 $48.51 $66.51 $46.71 $31.41 $29.52 $31.86 $35.46 $55.35 $1,000 $86,667 $53.90 $73.90 $51.90 $34.90 $32.80 $35.40 $39.40 $61.50 $1,100 $95,333 $59.29 $81.29 $57.09 $38.39 $36.08 $38.94 $43.34 $67.65 $1,200 $104,000 $64.68 $88.68 $62.28 $41.88 $39.36 $42.48 $47.28 $73.80 $1,250 $108,333 $67.38 $92.38 $64.88 $43.63 $41.00 $44.25 $49.25 $76.88

13 LONG TERM DISABILITY COVERAGE MAKING THE DECISION TO INSURE YOUR INCOME COULD MAKE ALL THE DIFFERENCE IF YOU BECOME DISABLED. [LONG TERM DISABILITY COVERAGE] Protect up to 60% of your monthly earnings up to a maximum of $10,000 per month. Monthly premium rates are shown below. Benefits start on the 90th day of disability caused by a covered illness or accident and may be payable up to 24 months if you re disabled from your own occupation, or up to your Social Security Full Retirement Age if unable to work any occupation. A 3/12 pre existing condition limitation applies. For those currently on The Standard Disability Plan will be grandfathered and pre existing condition clauses will be waived. Monthly Benefit Min. Annual Salary < $500 $10,000 $.77 $1.22 $1.92 $2.53 $3.01 $3.83 $4.37 $3.05 YOUR INCOME IS ONE OF YOUR MOST IMPORTANT ASSETS. certificate of insurance. For more information about the benefits presented to you, contact your benefit $1,000 $20,000 $1.54 $2.43 $3.83 $5.06 $6.01 $7.66 $8.74 $6.10 $1,500 $30,000 $2.31 $3.65 $5.75 $7.59 $9.02 $11.49 $13.11 $9.15 $2,000 $40,000 $3.08 $4.86 $7.66 $10.12 $12.02 $15.32 $17.48 $12.20 $2,500 $50,000 $3.85 $6.08 $9.58 $12.65 $15.03 $19.15 $21.85 $15.25 $3,000 $60,000 $5.73 $9.51 $15.51 $21.27 $27.18 $34.62 $39.03 $28.50 $3,500 $70,000 $6.69 $11.10 $18.10 $24.82 $31.71 $40.39 $45.54 $33.25 $4,000 $80,000 $7.64 $12.68 $20.68 $28.36 $36.24 $46.16 $52.04 $38.00 $4,500 $90,000 $8.60 $14.27 $23.27 $31.91 $40.77 $51.93 $58.55 $42.75 $5,000 $100,000 $9.55 $15.85 $25.85 $35.45 $45.30 $57.70 $65.05 $47.50 $5,500 $110,000 $11.99 $20.19 $33.61 $46.97 $61.00 $78.10 $87.56 $65.01 $6,000 $120,000 $13.08 $22.02 $36.66 $51.24 $66.54 $85.20 $95.52 $70.92 $6,500 $130,000 $14.17 $23.86 $39.72 $55.51 $72.09 $92.30 $ $76.83 $7,000 $140,000 $15.26 $25.69 $42.77 $59.78 $77.63 $99.40 $ $82.74 $7,500 $150,000 $16.35 $27.53 $45.83 $64.05 $83.18 $ $ $88.65 $8,000 $160,000 $18.64 $31.92 $53.28 $75.28 $99.28 $ $ $ $8,500 $170,000 $19.81 $33.92 $56.61 $79.99 $ $ $ $ $9,000 $180,000 $20.97 $35.91 $59.94 $84.69 $ $ $ $ $9,500 $190,000 $22.14 $37.91 $63.27 $89.40 $ $ $ $ $10,000 $200,000 $23.30 $39.90 $66.60 $94.10 $ $ $ $133.00

14 ACCIDENT COVERAGE Accident coverage pays a benefit directly to you based on treatment received related to a covered accident. INJURY EXAMPLES INCLUDE: EXAMPLE PAYABLE AMOUNTS FRACTURES (OPEN/CLOSED) Schedule up to $5,500 DISLOCATION (OPEN/CLOSED) Schedule up to $4,400 TENDON/LIGAMENT/ROTATOR (REPAIR OF ONE/MORE THAN ONE) 1: $500, 2: $1,000 BLOOD/PLASMA/PLATELETS BURNS $300 $0 up to $12,000 max RUPTURED DISC (WITH SURGICAL REPAIR) $500 KNEE CARTILAGE (TORN) $500 EYE INJURY $300 LACERATIONS (REQUIRING SUTURE) Schedule up to $400 ACCIDENTS HAPPEN. MAKE SURE YOU RE COVERED. certificate of insurance. For more information about the benefits presented to you, contact your benefit ACCIDENT EMERGENCY TREATMENT BENEFIT $175 INITIAL HOSPITALIZATION FOR INJURY BENEFIT $1000 HOSPITAL CONFINEMENT DAILY BENEFIT $225/day - up to year HOSPITAL INTENSIVE CARE ADMISSION BENEFIT $2,000 AMBULANCE BENEFIT (GROUND/AIR) $150/$1000 OCCUPATIONAL OR PHYSICAL THERAPY BENEFIT $25/day up to 10 days DIAGNOSTIC EXAM (MAJOR) $150 COSTS FOR COVERAGE Costs listed below are shown as per pay premiums. COVERAGE OPTIONS YOUR COST PER PAY PERIOD EMPLOYEE $8.02 +CHILDREN $ SPOUSE $ FAMILY $19.44 COVERAGE IS PORTABLE & INCLUDES A $50 WELLNESS BENEFIT AND AD&D BENEFITS.

15 CRITICAL ILLNESS COVERAGE Critical Illness pays a lump sum benefit directly to the policy holder based on diagnosis of a major covered illness. Coverage is portable & includes a $50 WELLNESS BENEFIT. COVERAGE BENEFIT DETAILS GUARANTEED ISSUE (EMPLOYEE/SPOUSE/CHILD(REN) Up to $20,000/$10,000/$5,000 ADDITIONAL OCCURRENCE & RE-OCCURRENCE BENEFITS RE-OCCURRENCE BENEFIT SPOUSE COVERAGE CHILD COVERAGE Included Included 50% of Employee Amount 25% of Employee Amount CONDITION COVERAGE LUMP SUM BENEFIT $10,000 or 20,000 HEART ATTACK 100% IT S TIME TO SEE LIFE A LITTLE MORE CLEARLY. STROKE 100% MAJOR ORGAN TRANSPLANT 100% COMA 100% END STAGE RENAL FAILURE 100% CORONARY ARTERY BYPASS SURGERY 30% INVASIVE CANCER 100% CARCINOMA IN SITU 30% certificate of insurance. For more information about the benefits presented to you, contact your benefit COSTS FOR COVERAGE Costs listed below are shown as per pay premiums per $20,000.* INSURED S AGE YOUR COST PER PAY PERIOD AGE 35 $10.23 AGE 45 $18.51 AGE 55 $32.65 *RATES SHOWN ARE NON-TOBACCO FOR EMPLOYEE ONLY COVERAGE

16 HOSPITAL INDEMNITY Hospital Indemnity benefits are paid directly to you in the event you or a covered dependent are hospitalized due to illness or injury. COVERAGE IS PORTABLE & INCLUDES A $50 WELLNESS BENEFIT. COVERAGE BENEFIT HOSPITAL / ICU ADMISSION HEALTH SCREENINGS TREATMENTS COVERED DEPENDENT AGE LIMITS DETAILS $1000 per admission, max 1 per yr per insured (3 days per fam) $50 per screening, 1 per year per insured Sickness & Injury Child Birth to 26 years [HOSPITAL INDEMNITY COVERAGE] COVERAGE FOR THE TIMES WHEN YOU NEED IT MOST. certificate of insurance. For more information about the benefits presented to you, contact your benefit With Hospital Indemnity coverage, benefits are paid directly to you in the event that you or a covered dependent are hospitalized due to sickness or injury. This Benefit can be used however you choose: to help pay for out of pocket medical expenses like co pays and deductible or for non medical expenses such as childcare or transportation. COSTS FOR COVERAGE Costs listed below are shown as semi-monthly rates. AGE BANDS EMPLOYEE ONLY EMPLOYEE + SPOUSE EMPLOYEE & CHILD FULL FAMILY <50 $7.56 $13.96 $11.64 $ $8.49 $17.27 $12.57 $ $13.43 $26.19 $17.51 $ $16.76 $35.22 $20.84 $39.30

17 EMPLOYEE ASSISTANCE PROGRAM FOR TIMES WHEN THE GOING GETS TOUGH. WorkLife Matters is proud to serve as your EAP, offering you and your household valuable, confidential services, at no cost to you. Your benefits are designed to help you manage your daily life, work stress, major life events, or anything else that might be affecting your quality of life. Our comprehensive program is available through Integrated Behavioral Health, providing you and/or any family member in your household confidential, personal web-based support. SOMETIMES, YOU JUST NEED A LITTLE ASSISTANCE. certificate of insurance. For more information about the benefits presented to you, contact your benefit WHAT S INCLUDED? 1 TO 3 COUNSELING VISITS PER FAMILY MEMBER PER YEAR FINANCIAL CONSULTING FOR INSUREDS AND BENEFICIARIES OF DEATH BENEFITS LEGAL ADVICE BY PHONE RESOURCES TO HELP YOU LIVE A HEALTHY LIFE SKILL-BUILDING & MORE! BY PHONE: TOLL FREE: Available 24 hours a day, 7 days a week ONLINE: User Name: Matters Password: wlm70101

18 *NEW* - PET INSURANCE PET PLAN COVERAGE FOR THE EXTENDED PARTS OF YOUR HEART certificate of insurance. For more information about the benefits presented to you, contact your benefit Accidents, including poisonings and allergic reactions Injuries, including cuts, sprains and broken bones Common illnesses, including ear infections, vomiting and diarrhea Serious/chronic illnesses, including cancer and diabetes Hereditary and congenital conditions Surgeries and hospitalization X-rays, MRIs and CT scans Prescription medications and therapeutic diets Wellness exams Dental cleaning Vaccinations Spay/neuter Flea and tick prevention Heartworm testing and prevention Routine blood tests Just like all other pet insurers, we don t cover pre-existing conditions. However, we go above and beyond with extra features such as emergency boarding, lost pet advertising and more. Plus, both plans have a low $250 annual deductible and a generous $7,500 maximum annual benefit. My Pet Protection plans are available exclusively through your employer. Get a quote today!

19 *NEW - MetLaw From Hyatt Legal Plans SMART. SIMPLE. AFFORDABLE. MetLaw is a voluntary group legal plan that provides employees with convenient access to affordable legal services. Plan members may receive services through a nationwide network of more than 15,000 attorneys, or from an out-of-network attorney. Hyatt Legal Plans has been administering group legal plans since 1981 and is the nation s largest provider of group legal plans, serving more than three million group legal plan members and dependents including more than 200 of the Fortune 500 companies. SOMETIMES, YOU JUST NEED A LITTLE ASSISTANCE. certificate of insurance. For more information about the benefits presented to you, contact your benefit Extensive Legal Services MetLaw provides easy, direct access to a national network of attorneys who provide telephone advice and office consultations on an unlimited number of personal legal matters and fully covered services for the most frequently needed personal legal matters (excluding employment issues). Participants may also receive service from out-of-network attorneys. Examples of covered legal services include: Preparation of wills and trusts Real estate matters Debt matters, including identity theft defense Consumer protection Document preparation and review Traffic and juvenile matters Family law, including adoptions Network attorneys are carefully selected and monitored by Hyatt Legal Plans, and have an average of 25 years of experience in the practice of law. ENROLL ONLINE TODAY!

20 401(K) PLAN YES PREP 401(K) PLAN SUMMARY ONLINE PORTAL: At YES Prep we are committed to your personal and professional success. Take action towards your financial future by participating and learning more about the 401 (k) plan, administered by AUL OneAmerica. Start your enrollment now at PROTECT YOUR FUTURE. WHAT YOU NEED TO KNOW: YOU MUST BE 21 YEARS OF AGE OR OLDER TO PARTICIPATE. (Employees with a temporary or seasonal status (i.e. coaches, temporary substitute teachers, and interns including Education Pioneers) are not eligible to participate. ) YES PREP DOES NOT MAKE EMPLOYER CONTRIBUTIONS AT THIS TIME AS OF SEPTEMBER 1ST, 2015 ALL EMPLOYEES WILL BE ENROLLED IN THE PLAN AT A 3% DEFAULT CONTRIBUTION INTO A TRADITIONAL IRA QUARTERLY OPPORTUNITY TO ENROLL OR MAKE CHANGES YOU CAN CANCEL CONTRIBUTIONS AT ANYTIME employer at discounted group rate. Certain restrictions and limitations apply. This benefit summary is not a certificate of insurance. For more information about the benefit presented to you, contact your benefits CONTACT INFORMATION: PLAN NUMBER: G37501 CUSTOMER SERVICE:

21 CONTACT INFORMATION WHO TO CONTACT ABOUT YOUR BENEFITS COVERAGE PROVIDER WEB ADDRESS TELEPHONE FAX MEDICAL TRS Active Care HSA HSA Bank FSA/DCA PlanSource DENTAL Guardian VISION Guardian LIFE Guardian DISABILITY Guardian ACCIDENT CRITICAL ILLNESS Guardian GuardianM EAP Worklife Matters - Guardian PET INSURANCE Nationwide METLAW Hyatt Legal Services (K) AUL OneAmerica

22 NOTES 2017 BENEFIT PLAN YEAR