WELCOME TO YOUR PEARSON BENEFITS

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1 2018 WELCOME TO YOUR PEARSON BENEFITS IN THIS ISSUE 2 A Preview of Your Pearson Benefits 3 A Culture of Health at Pearson 3 About Your Medical Plan Options 4 A Snapshot of Your Medical Options 5 The Flexible Spending Account: A Convenient Way to Save 6 Pearson Health Care & FSA Contacts 7 Take Action Before You Enroll 8 Get Connected to the Pearson Employee Portal and Make Your 2018 Benefit Elections 9 Select Your Beneficiaries WELCOME TO PEARSON! As a new employee, you have an opportunity to select a benefits program that meets your personal needs both immediate and long term. Having this flexibility is important because, as you experience new and different life events while at Pearson, you can then re-evaluate the benefits decisions you are getting ready to make today. So, when it comes to your benefits health, life, accident, retirement and work/ life we take a long-term view, and you should too. Your benefits are part of a total package; in other words, the plans are carefully designed to work together to provide the financial protection you need for today and the financial protection you ll want tomorrow. This holistic view is critical. Taking care of yourself and leading a healthy lifestyle into retirement won t mean much if you haven t adequately saved for that event. The reverse is also true. To help you make informed decisions, Pearson provides you with access to a variety of tools and resources starting with this newsletter. I hope you ll utilize them now and throughout your career here as you make benefits an important part of your overall financial plan. But let s be honest: being informed and making decisions is much more than choosing a plan. It s also about taking personal responsibility when you need care, planning for your future and living your life each and every day. Whether you choose to go for an annual physical, evaluate a generic prescription drug over more expensive brand names, set aside money in the retirement plan or seek assistance with college financing for your kids, the choices you make today can certainly impact your tomorrows. So please take some time to review this newsletter and the other communications you will see from us throughout the year. We are committed to helping you make the most of your benefits and supporting your good health both physical and financial! 10 New Hire Benefits Orientation is Online John R. Jacobs VP, Global Benefits 1

2 A PREVIEW OF YOUR PEARSON BENEFITS 80% 60% 90% Your Pearson comprehensive benefits program includes: HEALTH INSURANCE Medical Protection for you and your family against the high cost of health care, with two options for your coverage. Dental Covers basic, preventive, diagnostic and major care, plus orthodontia for children and adults. Vision Helps defray the cost of routine eye exams and eyewear. FLEXIBLE SPENDING ACCOUNTS Reimburse yourself for eligible health care and dependent day care expenses with pre-tax dollars. LIFE, ACCIDENT AND DISABILITY Life Financial protection for you and your dependents. Accidental Death & Dismemberment Pay benefits if you suffer a loss of life, limb or sight as the result of an accident. Short- and Long-Term Disability Continues a percentage of your pay if you can t work due to an illness or injury. MANAGING LIFE Cigna Employee Assistance Program (EAP) Confidential, free service available 24 hours a day to help you with emotional health issues from drug/substance abuse, to grief counseling, to depression, EAP representatives can help you find counseling services or direct you to a variety of resources in your community and online. LifeCare Resource and Referral Service Whether you need assistance caring for children or older loved ones, handling legal or financial issues, perhaps a referral for a home improvement project, LifeCare can help. RETIREMENT AND STOCK PLAN Pearson Retirement 401(k) Plan Save and invest a portion of your pay on a pre-tax basis for retirement and receive a company match on a portion of your contributions. Employee Stock Purchase Plan Purchase Pearson stock at a discounted price. PREVENTIVE CARE The following preventive care services are examples of what s covered at 100% with no deductible, copays or coinsurance, both in-and out-of-network: Well Child visits for children under age 19, in accordance with USPSTF (United States Preventive Service Task Force) recommendations. Includes Phenylketonuria (PKU) tests. Annual physical for adults ages 19 and above, one per calendar year. Annual routine gynecological exam for women, one per calendar year. Includes breast and pelvic examination, treatment of minor infections and PAP test. Annual vision screening for adults and children, one per calendar year. Includes refraction. Annual hearing screening for adults and children, one per calendar year. Colorectal screenings. Mammograms. 2

3 A CULTURE OF HEALTH AT PEARSON At Pearson, we are working together to create a Culture of Health, but what do we really mean by that? A Culture of Health means creating a workplace where employees have access to helpful and cost-effective services and resources appropriately to take responsibility for their health, and feel supported in their efforts to lead a healthier lifestyle. Pearson will do its part by offering a variety of programs and looking for new ways to encourage healthy lifestyle choices, but we can t build a Culture of Health without support from you. Here are a few ways you can be a part of Pearson s Culture of Health: Take advantage of free preventive care by getting your annual physical and appropriate age/gender screenings (see a list in your new hire materials packet and on the Benefits website). Take advantage of online programs and health coaching available through your medical administrator. Find a way to get active that works for you. Whether it s walking during your lunch break or biking to work, adding a few minutes of activity each day can make a difference. Try new, healthier food options in the Pearson cafeterias, where available, and make an effort to start eating healthier at home. Engage with health care professionals. Your doctor, specialists and Care Consultants from the health plan administrator you choose are available to help prevent, manage and treat health issues ABOUT YOUR MEDICAL PLAN OPTIONS Medical Options You have a choice between two Preferred Provider Organizations (PPO) Basic or Enhanced. With a PPO, you can use any provider in-network or out-of-network without a referral from a primary care physician. Administrators For both PPO options, you will have a choice between two health plan administrators: Cigna and Anthem. Kaiser will be offered to employees at a few select locations. There is no difference between the plans offered by Cigna and Anthem in terms of actual plan design. There are differences in terms of the provider networks and certain member tools and resources. Be sure to visit vendor web sites and do some research to choose the plan that s right for you. Prescription Drug Vendor Both options include a three-tier priced prescription drug program, administered by CVS/caremark (except the Kaiser HMO). You will receive a separate ID card from CVS/caremark. 3

4 A SNAPSHOT OF YOUR MEDICAL OPTIONS Check out Pearson Health Choice for more information about your medical plan options and costs. Here is an overview of the plan designs offered by Cigna and Anthem. 8 $1,000 $2,000 $2,000 $4,000 $800 $1,600 $1,600 $3,200 $3,000 $6,000 $6,000 $12,000 $2,500 $5,000 $5,000 $10,000 PRESCRIPTION COPAYS Here is an overview of your prescription drug coverage, administered by CVS/caremark. Rx Out-of-Pocket Maximum Retail Copys Home Delivery Single $1,500 Generic $10 Generic $25 Family $3,000 Preferred $35 Preferred $87.50 Non-Preferred $60 Non-Preferred $150 4

5 THE FLEXIBLE SPENDING ACCOUNTS: A CONVENIENT WAY TO SAVE! HEALTH CARE SPENDING ACCOUNT Want to make life a little easier and save money by reducing your taxes? Enroll in the Health Care Flexible Spending Account (FSA) and receive a special pre-paid Visa card (the WageWork Healthcare Card ) to pay for your eligible out-ofpocket health care expenses at the time of your service. Your FSA card can be used at most major providers, hospitals, doctors, dentists and pharmacies that accept Visa and it works like a bank debit card. Simply present your card for eligible services and the money comes out of your account immediately. There are no claim forms to submit and no waiting for reimbursement. (Keep copies of your expense receipts). Consult your enrollment materials or log on to to familiarize yourself with the services, locations and products eligible for use with your card. DEPENDENT CARE SPENDING ACCOUNT You can also enroll in the Dependent Day Care FSA to pay for eligible dependent day care expenses, including child care for your children under age 13 and adult day care eligible dependents. NOT SURE HOW MUCH TO CONTRIBUTE? LET PEARSON HEALTH CHOICE DO THE WORK! Employees who don t participate in FSAs may be concerned about the use it or lose it rule imposed by the IRS. But the FSA Estimator, part of the online Pearson Health Choice resource, can help you easily estimate how much you should contribute to your Health Care FSA. The Pearson Health Choice resource is available online at SOME ELIGIBLE FSA EXPENSES HEALTH CARE FSA Copayments Coinsurance Deductibles Other eligible health care expenses not paid for by your health plans DEPENDENT DAY CARE FSA Child day care for your children under age 13, including: Child day care provided in your home (by someone who is not your dependent) Licensed nursery school or day care center Summer day camps Adult day care for your eligible dependents, in-home or at eligible facilities AN EXAMPLE: TAKE HOME PAY WITH HEALTH CARE FSA: TAKE HOME PAY WITHOUT HEALTH CARE FSA: Annual Income $50, $50, FSA Contribution Before Taxes -$1, $0.00 Adjusted Gross Income $48, $50, Federal & FICA* Taxes -$5, $6, After-Tax Income $42, $43, After-Tax Spending $0.00 -$1, Take Home Pay $42, $42, TAX SAVINGS $ $0.00 *Assumes annual income of $50,000 and $1,500 account contribution. Based on 2016 tax tables and filing a joint tax return where the standard deduction and claim four exemptions is taken. 5

6 PEARSON HEALTH CARE & FLEXIBLE SPENDING ACCOUNT CONTACTS Program Group Number Network Website Member Services Number MEDICAL OPTIONS Anthem, BlueCross & Blue Shield Anthem Basic PPO* Anthem Enhanced PPO* National BlueCard Kaiser Northern CA HMO Kaiser Southern CA HMO HMO Cigna Cigna Basic PPO** Cigna Enhanced PPO** Open Access Plus with Carelink Prescription Drugs CVS/caremark (all plans except Kaiser) Pearson N/A DENTAL OPTIONS Delta Dental Delta Dental PPO Cigna Dental Cigna Dental Care (DHMO) *Residents of Utah only, the provider network is the Traditional network **Residents of Utah only, the provider network is the PPO network VISION OPTION Vision Service Plan Signature FLEXIBLE SPENDING ACCOUNTS Health Care Flexible Spending Dependent Day Care Flexible Spending N/A N/A

7 TAKE ACTION BEFORE YOU ENROLL! TAKE ACTION BEFORE YOU ENROLL What should you do before you enroll for your benefits? Visit us online at: The Pearson Benefits Website is available 24/7 from work or home. The site offers many resources to assist you when choosing or inquiring about your benefits. Use the Quick Links dropdown to take you directly to the insurance provider websites and the EMPOWER Retirement site. Visit the website for information about the health, life, and disability programs that Pearson offers. Some of the resources you ll find include: ENROLL NOW Information about eligibility, contributions and coverage categories. Step-by-step instructions on how to navigate through the myhr system and make your benefit elections. REQUIRED NOTICES A detailed description of the Pearson Inc. Welfare Benefit Plan, including eligibility, what services are covered, how the programs work and how benefits are paid. You may request a paper version of the SPD by contacting Pearson People Services (PPS). Legally required notices regarding your rights under COBRA, the Women s Health and Cancer Rights Act and HIPAA. The Summary Annual Report, Summaries of Benefits Coverage, and the Insurance Marketplace Notice can be found there as well. Paper copies of these documents are available upon request by contacting PPS. PEARSON HEALTH CHOICE Compare your expected (and unexpected) out-of-pocket costs and payroll contributions under each available plan. Understand the cost of medical services. See the value of how the Health Care FSA contributions help to manage your out-of-pocket costs and enjoy tax savings. SAVE FOR TOMORROW WITH THE 401(K) PLAN AND SAVE ON YOUR TAXES You and the company both save for your tomorrow with the Pearson Retirement 401(k) plan! As a new employee, you re immediately eligible to save and invest a portion of your pay on a pre-tax basis for retirement. Pearson provides a 100% match on the first 3% that you contribute to your account, plus a 50% match on the next 5%. And you won t pay taxes on your contributions, the company match or investment earnings until you take the money out of the plan. If you don t make an election after 30 days, we ll automatically enroll you in the plan at a contribution rate of 6% of your pay. You can increase, decrease or stop contributions whenever you like by calling EMPOWER Retirement TM at However, you should save at least 8% of your pay if you want to take full advantage of the company match. Remember, thanks to compounding, the more you save today, the greater impact that money will have on your tomorrow. Need Help With Your 401(k) Investments? The Personal Asset Manager and Personal Online Advisor powered by Financial Engines can help you feel confident about your investment decisions. For more information, please call Click on the For Your Wealth tab to find information about Pearson s retirement plans. If you have any questions about these resources, please contact Pearson People Services (PPS) by visiting mycloud >myhr > Ask HR a Question or call :30AM - 9:00PM, Central M F. 7

8 GET CONNECTED TO THE PEARSON EMPLOYEE PORTAL MAKE YOUR 2017 BENEFIT ELECTIONS Pearson is committed to providing you with access to a variety of resources to help you manage your benefits and personal data. Fusion is the system where you can enroll and view your elections as well as connect to the Benefits website. Upon your arrival at Pearson, your manager will receive an from HPRD Workflow Mailer containing your myhr login information. Here s what you need to do: HOW TO ENROLL 1 2 HAVE YOUR INFORMATION READY: Social security number and birth date for any dependent(s) you will be adding to your coverage. Know what plans you want to enroll in. List of beneficiaries for life and insurance (AD&D and Business Travel Accident). ACCESS MYHR: You can access myhr via the Internet from work or home 24/7. Go to mycloud > myhr > HR Systems > Fusion > Benefits > Under Enroll Now, select Change Benefit Elections 3 MAKING AND COMPLETING YOUR ENROLLMENT: Review each screen for important notes, your available options and costs, and to make your elections. Note: All coverage options for dependents (including: medical, dental, vision and/or life insurance) must be designated for each dependent. Review the final screen which summarizes all the elections you have made along with their costs. Print a copy for your records. When you have completed your enrollment, click the Logout link. Be sure to close your browser once you have reached the Logout screen. Keep in mind that the benefit elections you make cannot be changed during the year unless you have a qualifying change in life event. For more details regarding qualifying events, please refer to the Pearson Benefits website or contact Pearson People Services (PPS). DEFAULT COVERAGE If you do not make an active election including waiving coverage by the enrollment deadline, you will receive default coverage consisting of: The Cigna Basic PPO medical plan for yourself only. Prescription drug coverage through CVS/caremark. Company-paid basic life and basic accidental death & dismemberment insurance. Company-paid long-term disability insurance (Limited Term employees are not eligible for this coverage). No Flexible Spending Account participation.! DON T FORGET TO ENROLL WITHIN 31 DAYS OF YOUR DATE OF HIRE! 8

9 SELECT YOUR BENEFICIARIES A beneficiary designation is necessary for several of the employee insurance programs and 401(k). If you die without having filed this information, the default beneficiary provisions will apply to the insurance and 401(k) plans. Be sure to have your beneficiary information available (see Required Information below) so you can designate your primary and contingency beneficiaries for your 401(k) and life insurances. Your 401(k) beneficiary designation will be entered online into EMPOWER Retirement s website. Here s how to designate your life insurance, accidental death and dismemberment and business travel accident insurance beneficiaries: Log on to the Pearson Employee Portal via MyCloud > myhr > HR Systems > Fusion > Benefits Under Enroll Now, select Change Benefit Elections > Create Contact > Beneficiary Organizations As a new employee, you have the opportunity to enroll in the Life Insurance Coverage options below. You may elect from the following coverage options without providing evidence of insurability (EOI): Employee employees are eligible to elect coverage up to 4x base annual earnings, to a maximum of $1,000,000 Spouse employees are eligible to elect one of the Spouse life options below, up to a maximum of $50,000 Child (eligible to age 26) employees can enroll in any child coverage option without EOI If you want to elect coverage above the guaranteed amounts, EOI will be required. To get information about additional Accidental Death & Dismemberment (AD&D) coverage, please refer to the benefits website. ELECT ELECT ELECT REQUIRED INFORMATION You will need the first and last name, relationship, date of birth, social security number (or tax identification number - TIN) and complete address for each named beneficiary. If you are naming a trust, you must have the trust tax identification number (TIN). 9

10 2018 US HOLIDAY SCHEDULE MONDAY, JANUARY 1 New Year s Day MONDAY, JANUARY 15 Martin Luther King Day MONDAY, MAY 28 Memorial Day WEDNESDAY, JULY 4 Independence Day THURSDAY, NOVEMBER 22 Thanksgiving Day FRIDAY, NOVEMBER 23 Day after Thanksgiving MONDAY, DECEMBER 24 Day before Christmas TUESDAY, DECEMBER 25 Christmas Day MONDAY, SEPTEMBER 3 Labor Day 10

11 NEW HIRE BENEFITS ORIENTATION IS ONLINE! Are you an offsite employee or would like to review the benefits information presented during orientation? A recorded version of the benefits orientation is available to all benefits-eligible US-based employees. 1. Go to Pearson Benefits website at 2. Select New Employees. 3. Select Watch Benefits Orientation. 4. The video should start automatically. (You can pause, reverse and rewind the presentation using the player controls.) Questions concerning your benefits or enrollment should be directed to the PPS by visiting mycloud > myhr > Ask HR a Question or call :30AM to 9:00PM Central, M-F. In closing, we hope this newsletter has given you helpful information about your benefits and the tools and resources available to you and, once again, welcome to Pearson! For eligible employees of Pearson Inc. and the affiliated operating companies of Pearson Inc. that participate in these Pearsonsponsored benefit plans. While every effort has made to ensure the accuracy of this newsletter, the plan documents and contracts will prevail in case of a discrepancy between this newsletter and the plan documents and contracts. In addition, the company reserves the right to modify or terminate any benefit plans at any time. Updated Jan

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