Retirement Planning Guide

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1 Boise Cascade, L.L.C. Savings Plan Boise Cascade, L.L.C. Retirement Savings Plan Boise Cascade, L.L.C. Hourly Savings Boise Cascade Company Savings Plan Plan Boise Cascade Company Retirement Savings Plan Boise Cascade Company Hourly Savings Plan Retirement Planning Guide Your Pre-Retirement Transition Resource

2 Table of Contents Page Getting Started Action Steps Checklist... 1 Retirement Income Planning (k) Social Security Pension Healthcare Benefits When You Retire... 4 COBRA (Medical, Dental, & Vision) Medicare Flexible Spending Accounts Health Reimbursement Accounts (Salaried employees only) Life Insurance... 6 Other Things to Consider... 6 Vacation/YTO Pay Retirement Gift W-2 Form Personal Savings and Investments Estate Planning This booklet is based on plan documents and laws in effect at the time of publication. Boise Cascade reserves the right to make future changes (including termination) to any of these plans at any time in its sole discretion. If the information in this guide conflicts with the provisions of the benefit plans, then the terms of the actual benefit plan documents or other applicable documents will govern in all cases. For a detailed description on any of the benefits described in this guide, please refer to the resource information cited in the guide or contact HR Services.

3 Getting Started Action Steps Checklist Nearing retirement? Use this handy checklist to help you plan for this new phase of your life. You can access a list of the company s basic retirement benefits and vendors on bcnet under: Benefits & Pay > Benefits > Retirement Benefits You can also contact HR Services at Monday Friday 7:00 am 5:00 pm MT. What to do: Timing: How to do it: Notify your supervisor and HR of your intention to retire At least 90 days prior to retirement (ideally) Contact your supervisor and HR representative Request your pension paperwork, if eligible Within 90 days prior to retirement Contact Milliman Benefits Services Center at or by at boise@milliman.com Apply for Social Security benefits 90 days before you want to begin receiving benefits (no earlier than age 62) Apply for Medicare benefits 90 days prior to reaching age 65 (You can sign up for Medicare even if you do not plan to retire at age 65.) MEDICARE ( ) Go to this web site for more information Choose your distribution option for your pension plan, if eligible Return any company property that has been issued to you (laptop, company credit card, cell phones, keys, etc.) Consider electing life insurance conversion to personal life insurance policy (if desired) Enroll in COBRA coverage if you do not have other medical, dental/vision healthcare coverage Review your Boise Cascade 401(k) Savings Plan distribution options Submit for reimbursement any outstanding flexible spending account receipts for expenses incurred prior to the last day of the month in which you retired Report any address changes Consider your estate planning Review and update beneficiary designations Review or create an up-to-date living will One month prior to the date you want pension benefits to begin Last date worked Election and Payment must be received no later than 31 days following retirement COBRA: Within 60 days following your retirement date Other healthcare coverage options are offered by the Health Insurance Marketplace At any time after 30 days following your retirement date Prior to May 31 of year following last day of employment Any time you move or reside at a different address for part of the year At any time Return completed paperwork to the Milliman Benefits Service Center at address provided in paperwork Contact your HR Representative or Supervisor Contact HR Services at Monday Friday 7:00 am 5:00 pm MT Contact Blue Cross of Idaho at Monday Friday 8:00 am 5:00 pm MT Access the Health Insurance Marketplace at or or Fax or mail Pay Me Back Forms to WageWorks using options provided on the reimbursement form at or call with questions Contact HR Services at Monday Friday 7:00 am 5:00 pm MT Contact an estate attorney or tax professional to help you sort through your options. 1

4 Retirement Income Planning Decisions regarding your retirement assets are among the most important you ll need to make. The average American lives 20 or more years after retirement. Therefore, it s important that you plan carefully so that your retirement income will last for as long as you need it. You are encouraged to speak with your financial or tax advisor to fully understand the tax implications of each income source. You can also find helpful resources on Principal s Retirement Planning Hub site. Check it out at Following are answers to questions that you may have concerning your retirement benefits. 401(k) Boise Cascade Savings Plans Do I have to take my money out of the 401(k) plan when I retire? What are my distribution options? You have several options: Leave the money in the Plan. Elect monthly, quarterly or annual installment payments. Roll over all or part of your balance to another qualified plan or individual retirement account (IRA). Take all of your money in cash; this is called a lump sum distribution. Take a partial withdrawal. You must wait 30 days following your retirement date to request a distribution or direct rollover through the Principal participant savings web site or Information Line. What happens to my 401(k) loans? If you have outstanding loans, you will need to pay your loan balance in full. Otherwise, your loan will be treated as a taxable distribution. If the entire loan balance is not paid by the end of the calendar quarter following your retirement date, the outstanding loan balance becomes taxable. What are the tax consequences if I take a 401(k) distribution? Generally, distributions paid to you (rather than a direct rollover to an IRA or other qualified plan) are taxable when received. The tax consequences of taking a distribution are dependent on many variables. Please refer to the Loans & Withdrawals section of the Principal participant web site or contact your financial planner or tax advisor. If I leave my account in the plan, how do I update my beneficiary designations? You can review and update your 401(k) beneficiary information through the Principal participant web site. How can I get more information? More information on these topics is available on the Principal participant web site or by calling the Information Line at Social Security When can I begin receiving Social Security benefits? You can start receiving Social Security benefits at any time after age 62. If you start your Social Security benefits before your full retirement age (typically age depending upon your year of birth), your benefit will be reduced for each month before your full retirement age. How do I apply for Social Security benefits? You should plan to apply for Social Security benefits three months before you want to start collecting benefits. The Social Security Administration web site can help you estimate your benefits and provides instructions on how to apply for benefits. 2

5 Pension Note: This section applies only to employees who are eligible to participate in the Pension Plan. Contact HR Services at Monday Friday 7:00am 5:00pm MT to verify your eligibility. How do I determine the amount of my pension benefit? It s easy to estimate your future pension benefit at any time online at or by contacting the Milliman Benefit Service Center at What are my distribution options? Do I have to begin receiving my pension immediately following my retirement? If the lump sum value of your total benefit is $1,000 or more, the Pension Plan offers options on how you may receive your benefit according to plan provisions: You can elect to receive lifetime annuity payments that provide fixed monthly payments. You may choose to defer receiving your pension benefit until a later date. When and how do I start receiving my pension? Ninety days prior to your actual retirement date request pension paperwork from the Milliman Benefits Service Center. The month in which you receive your first pension payment will depend on how quickly you return electronic paperwork and your retirement date. Payments are made the 1 st day of the month. If your retirement date is the 1 st day of the month, you may be able to start your pension payments on the same date. Contact HR Services if this applies. If you elect to defer receiving your pension at the time you retire, you may contact the Milliman Benefits Service Center at or by at boise@milliman.com when you are ready to begin receiving your pension and request that paperwork be sent to you. Alternatively, you may submit your request in writing to the following address: Milliman Benefits Service Center PO Box Seattle, WA Does my age affect the amount I receive? When you retire on or after your 65 th birthday, you can receive your full pension benefit. There may also be early retirement options available to you that provide unreduced and reduced retirement benefits. Contact the Milliman Benefits Service Center for more information. Which payment option should I elect? The important decision of which payment option to elect is a personal one. Consult with your personal tax or other trusted advisor for help. Pension Distribution Options Pension calculations are based on the ages of you (and your spouse, if applicable) at the time payments begin. Age is rounded up when you pass the ½ year mark to your next birthday, which affects payments. Therefore, because the benefit is calculated based on your lifetime(s), your payment election cannot be changed once payments begin, even in the event of divorce, death of your spouse, or your remarriage. Contact Milliman Service Center to find out which of the following distribution options are available to you.* Monthly Income For Life Allows you to receive the highest monthly amount, but payments stop when you die. There are no beneficiary payments. Monthly Income For Life with Period Allows you to receive benefits for your lifetime. If you die within the five-or ten-year guarantee period, your beneficiary receives your benefit for the remainder of this period. If you live longer than the five- or ten-year guarantee period, your benefits continue for your lifetime and stop when you die. Level Income Allows you to receive a higher monthly payment before you are eligible to start receiving Social Security payments. Then, when your Social Security payments begin, your monthly benefit is reduced. This helps to provide a more level income before and after you start receiving Social Security. Deferred Cash Refund This option is available if you retire before age 65. It pays a reduced benefit beginning at age 65. If you die your beneficiary receives a lump sum equivalent to your remaining benefit. 50%, 75%, or 100% Joint and Survivor Annuity Allows you to receive a monthly benefit and, upon your death, pays a monthly pension benefit for your surviving spouse s lifetime. You can choose a 50%, 75% or 100% Joint and Survivor Annuity. * Please note that if you are married, you must select one of the joint and survivor annuity forms of payment unless your spouse signs a consent form in the presence of a notary public. Specific details on these and other distribution options will be provided in your pension paperwork provided by Milliman Benefits Service Center. 3

6 Healthcare Benefits When You Retire Your healthcare benefits are a very important piece of your retirement. You should know what healthcare benefits you are eligible for, what your plan covers and your financial responsibility. Boise Cascade Medical, Dental and Vision Plans After I retire will I continue to have access to the company s healthcare plans currently available to me? When you retire, your active employee coverage is effective through the end of the month in which you retire. For example, if your last day of employment is October 1, your active coverage will end October 31. COBRA Can I continue my company medical, dental or vision coverage under COBRA when I retire? If you retire prior to age 65 and are not yet eligible for Medicare, you will have the opportunity to continue healthcare coverage under COBRA, generally for up to 18 months or until you become eligible for Medicare (whichever occurs first). If your COBRA coverage ends because you become entitled to Medicare, your covered dependents can remain on COBRA through the remainder your COBRA period. If you have Medicare coverage when you retire, you may still continue healthcare coverage under COBRA. However, while on COBRA, your Medicare coverage will be considered primary. You can use health reimbursement account (HRA) credits to pay COBRA premiums. How do I elect COBRA coverage? You will receive a COBRA notification in the mail explaining your options for continuing coverage. You must notify the COBRA administrator if you want to continue your medical, dental or vision coverage. Your COBRA notification letter will explain your COBRA rights and list important deadlines. Please read your COBRA documents carefully and contact HR Services if you have any questions. How do I find out about other healthcare options besides COBRA coverage? In addition to COBRA coverage, there may be more affordable coverage options for you and your family through the Health Insurance Marketplace. The Marketplace offers one-stop shopping to find and compare private health insurance options. You should compare your other coverage options with COBRA and choose the coverage that is best for you. Access the Health Insurance Marketplace at or

7 Medicare When should I enroll in Medicare? If you are currently receiving Social Security payments, you will be enrolled in Medicare automatically as you turn 65. You ll receive your Medicare card three months before your 65th birthday. The benefits begin the first day of the month of your 65th birthday. If you are not currently receiving Social Security payments, you still need to enroll in Medicare to avoid paying a higher premium for delaying enrollment. The Social Security Administration (SSA) handles the enrollment process for Medicare. Call SSA at , visit the web site or apply at your local Social Security office. Apply three months before your 65th birthday, so you can be sure your benefits will start on time. You are responsible for paying any required premiums for Medicare programs in which you enroll. When you are retired and entitled to Medicare, Medicare becomes your primary carrier. For that reason, it is important that you are enrolled in both Part A and Part B. Medicare Part D offers prescription drug benefits. You should carefully consider Medicare Part D insurance with any other insurance options. For more information about Medicare benefits, you can visit your local Social Security office, call MEDICARE ( ) or visit Flexible Spending Accounts (FSA) What happens with my Healthcare FSA after I retire? If you are enrolled in a Healthcare FSA, your contributions will continue through the end of the month in which separation occurs. You may submit claims to your Healthcare FSA for eligible healthcare expenses incurred before the end of the month in which separation occurs. You have until January 31 of the year after your separation to submit claims to the Healthcare FSA. Amounts not claimed by that date will be forfeited. To continue your Healthcare FSA after you leave Boise Cascade, refer to the COBRA Booklet for more information. Healthcare Reimbursement Accounts (HRA) What happens with my HRA after I retire?* If you have an HRA account and three or more years of service with the company, you may submit claims to your HRA for eligible healthcare expenses, including COBRA or eligible non-company healthcare premiums until your HRA coverage ends on December 31 of the second year after your termination date. *Available to Salaried employees. Health Reimbursement Account (HRA) is a company-provided account that helps employees pay for certain out-of-pocket healthcare expenses and budget for future healthcare expenses. Employees do not make contributions to an HRA. The account balance comes directly from annual credits made by Boise Cascade. Throughout the year, plan participants can use the credits to pay for eligible healthcare expenses incurred. Any unused HRA credits are perpetual and will remain in the account from year to year, unless you elect to opt out of the HRA. Boise Cascade will evaluate the decision annually whether a credit will be awarded and, if so, how much the credit should be based on the medical benefits coverage level an employee elects. 5

8 Life Insurance Can I convert my active employee and/or dependent life insurance when I retire? You can convert your company paid life insurance (and if you are enrolled in voluntary employee or dependent life) to an individual policy. You will receive a letter from Principal, our life insurance vendor, soon after your retirement date explaining how to convert your life insurance. Other things to consider Vacation / YTO Pay You will be paid for your unused and accrued vacation/yto hours in accordance with your location/division policy. Retirement Gift You may be eligible for a retirement gift in accordance with the company s Leaving Employment policy. Contact your HR representative for more information. W-2 Form Contact HR Services about how to obtain your W-2 for the year in which you retire. Personal Savings and Investments Your investments, including savings and brokerage accounts, IRAs, your home, etc., may also contribute to your retirement income. For help in determining how these assets might affect your income after your retirement, contact your financial advisor. Estate Planning An estate plan can help protect and manage your assets in the event of your death, or if you are incapacitated and unable to make decisions. At a minimum, you should have updated beneficiary designations and an up-to-date will. For more information concerning your Boise Cascade benefits, contact HR Services at Monday Friday 7:00 am 5:00 pm MT. You may also want to consider meeting with an estate attorney to talk about whether it makes sense for you to have such things as: a healthcare proxy to designate someone to make legal decisions for you in the event that you cannot communicate your wishes; a living will to let your loved ones know how you would like your healthcare treatment managed in the event that you cannot make decisions on your own; a living trust to manage your assets while you are living and after your death. Boise Cascade Company Savings Plan Boise Cascade Company Retirement Savings Plan Boise Cascade Company Hourly Savings Plan

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