Employee Benefits

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1 Open Enrollment Employee Benefits 1 of 33

2 Moderator Faith Hites, RHU, CBC, REBC 2 of 33

3 Open Enrollment Open Enrollment Means You May Enroll In, Change, or Cancel Coverage You May Add or Drop Dependents 3 of 33

4 Benefit Review Anthem Medical & Prescription Plan with HRA Delta Dental Plan Anthem & VSP Vision Plan Mutual of Omaha Life, Disability & Voluntary Life Plans 125 Company Medical FSA, Dependent Care, Transit, & Parking Accounts Pet Assure & PETplus 401K and Leaf 529 College Savings Plan 4 of 33

5 Anthem Medical Plan Medical Benefit Lumenos National PPO In Network: You Pay Out of Network: You Pay Deductible $3,000 / $6,000 *Paid by Synaptek $6,000 / $12,000 Co-Insurance 100% 80% Out-Of Pocket Maximum $4,000 / $8,000 $10,000 / $20,000 Deductible / Out-of-Pocket Reset October 1 st Hospital (Inpatient & Outpatient) Nothing after Deductible 20% after Deductible Emergency Room Nothing after Deductible Paid as In-Network Urgent Care Nothing after Deductible 20% after Deductible Imaging & Diagnostic Testing Nothing after Deductible 20% after Deductible Physician/Specialist Visit Nothing after Deductible 20% after Deductible Preventive Care Visit Nothing 20% after Deductible Network Prescription Drugs Restricted Generic Substitution? Anthem: Lumenos After Medical Deductible: $10/$40/$60/20% to max of $250 Co-pay Yes 5 of 33

Anthem Medical Plan Deductible and Out of Pocket

No individual family member is required to contribute

6 Anthem Medical Plan Deductible and Out of Pocket Accumulations are Embedded. This means that each member has an individual deductible/oop amount. No individual family member is required to contribute more to the family deductible than their individual deductible amount. The Out Of Pocket accumulates on an embedded basis also. 6 of 33

7 125 Company HRA Benny Card An HRA (Health Reimbursement Account) is an employer funded account to help pay for your medical expenses that are subject to the medical deductible. You will receive a Visa branded Benny card (in a nondescript white envelope) to use at the pharmacy, doctors office, or medical facilities to pay your deductible expenses. This card can only be used for eligible medical deductible expenses. Synaptek will pre-fund (on your Benny card) the full innetwork deductible in the following amounts: Employee Only: $3,000 Employee & Spouse; Employee & Child(ren); Family: $6,000 7 of 33

8 125 Company HRA Benny Card All deductible expenses must occur in your plan year (Oct 1 Sept 30) to be reimbursed. You will have 90 days after your plan year ends to submit any remaining claims for reimbursement. Funds do not roll over from year to year. You can swipe your card to pay for services or you may pay on your own and submit receipts for reimbursement. Please keep all receipts as they may be requested to substantiate claims. This is required by IRS guidelines. 8 of 33

9 125 Company HRA Benny Card HRA How to pay for expenses When you go to an In-Network doctors office or a medical facility: Present your medical ID card, the doctor will file the claim with Anthem, you will receive an Explanation of Benefits (EOB) from Anthem and a bill from the doctor after the claim has been finalized. You can then pay the bill with your Benny card. When you go to a pharmacy: Present your medical ID card, the pharmacy will run the claim through Anthem and tell you the amount due at the time you pick up your prescription. You can use your Benny card to pay for the prescription at that time. 9 of 33

10 125 Company HRA Mobile App 10 of 33

11 Delta Dental Plan Dental Benefits Delta Dental PPO Plus Premier 1 (Fee Schedule) Participating PPO Provider: You Pay Participating Premier Provider: You Pay Non-Participating Provider: You Pay Deductible (Individual) Deductible (Family) Preventive Care Basic Services* Major Services Network Orthodontia (under age 19) Annual Maximum $50 $50 $50 $150 $150 $150 Nothing Nothing Nothing 10% After Deductible 20% After Deductible 20% After Deductible 40% After Deductible 50% After Deductible 50% After Deductible Delta Dental: PPO or Delta Dental: Premier 50% to $2,500 $2,500 with MaxOver Rollover *Endo and Perio are covered as Basic Services 11 of 33

Delta Dental Plan Network Differences Dental - Important Information Seeing a Delta Dental PPO dentist will be your least expensive dental option.

12 Delta Dental Plan Network Differences Dental - Important Information Seeing a Delta Dental PPO dentist will be your least expensive dental option. These dentists are contracted with Delta Dental to accept payment in full based on the allowance and any co-insurance you are responsible for. Your co-insurance responsibility is lower with a PPO dentist than with other types of dentists. A Delta Dental Premier dentist will accept the allowance and co-insurance as payment in full, but you are responsible for higher co-insurance amounts when you see a Premier dentist. 12 of 33

Anthem BlueView Vision Plan Overview of Vision Benefits included in the medical plan Vision Benefits BVV 130-25 12/24 Exam Frequency Lenses Frequency Frame Frequency 12 Months 12 Months 24 Months

13 Anthem BlueView Vision Plan Overview of Vision Benefits included in the medical plan Vision Benefits BVV /24 Exam Frequency Lenses Frequency Frame Frequency 12 Months 12 Months 24 Months Co-Pays In Network Provider Out of Network Provider Vision Exams $15 Co-Pay Plan Reimburses up to $30 Lenses (Single Vision) $25 Co-Pay Plan Reimburses up to $25 Lenses (Bifocals) $25 Co-Pay Plan Reimburses up to $40 Lenses (Trifocals) $25 Co-Pay Plan Reimburses up to $55 Frames Contacts Network $0 Co-pay up to a plan allowance of $130, then 20% off the balance $0 Co-Pay up to Plan Allowance of $130, then 15% off the balance Plan Reimburses up to $45 Plan Reimburses up to $105 Anthem: Blue View Vision 13 of 33

VSP Vision Plan Overview of Additional Vision Benefits Vision Benefits Exam Frequency Lenses Frequency Frame Frequency VSP Plan C 12 Months 12 Months 12 Months Co-Pays In Network Provider Out of

14 VSP Vision Plan Overview of Additional Vision Benefits Vision Benefits Exam Frequency Lenses Frequency Frame Frequency VSP Plan C 12 Months 12 Months 12 Months Co-Pays In Network Provider Out of Network Provider Vision Exams $10 Co-Pay Plan Reimburses up to $45 Lenses (Single Vision) $10 Co-Pay Plan Reimburses up to $30 Lenses (Bifocals) $10 Co-Pay Plan Reimburses up to $50 Lenses (Trifocals) $10 Co-Pay Plan Reimburses up to $65 Frames Contacts $0 Co-pay up to a plan allowance of $130, then 20% off the balance $0 Co-Pay up to Plan Allowance of $130 Plan Reimburses up to $70 Plan Reimburses up to $105 Network VSP 14 of 33

15 Group Life / AD&D Insurance Plan Highlights of Employer Paid Life Insurance Benefit is 1 x Annual Salary to $200,000 Benefit reduces by 35% at age 65 and to 50% of original benefit at age 70 *Always keep your beneficiary up to date changes can be made at any time on the PayCom Portal 15 of 33

Short-Term Disability Insurance Plan Highlights Waiting Period 0 Days Accident/7 Days Sickness Benefit Percentage (60%) Weekly Benefit Maximum ($2,500) Benefit

16 Short-Term Disability Insurance Plan Highlights Waiting Period 0 Days Accident/7 Days Sickness Benefit Percentage (60%) Weekly Benefit Maximum ($2,500) Benefit Period (13 Weeks) This is a Tax Choice benefit* you must choose your taxation (on premium or on benefit). *You MUST make an election in Pay Com each year 16 of 33

Long-Term Disability Insurance Plan Highlights Waiting Period of 90 days Benefit Percentage (60%) Maximum Monthly Benefit ($11,000) Benefits to Age 65

17 Long-Term Disability Insurance Plan Highlights Waiting Period of 90 days Benefit Percentage (60%) Maximum Monthly Benefit ($11,000) Benefits to Age 65 /SSNRA This is a Tax Choice benefit* you must choose your taxation (on premium or on benefit). *You MUST make an election in Pay Com each year 17 of 33

18 Voluntary Life /AD&D Insurance Plan Highlights of EMPLOYEE paid Life Insurance Employee Amount: Lesser of 5X annual Salary or $500,000 (max) in $10,000 increments Spouse Amount: Lesser of 100% of employee amount or $250,000 (max) in $5,000 increments Child Amount: $2,000 to $10,000 in $1,000 increments Voluntary AD&D may be elected also. Voluntary AD&D amount must match Voluntary Life Amount. 18 of 33

19 Voluntary Life / AD&D Insurance Employee Guarantee Issue: Up to $100,000 Spouse Guarantee Issue: Up to $25,000 Child Guarantee Issue: Up to $10,000 Evidence of Insurability* is required for amounts over the Guarantee Issue amount. Guarantee Issue is only available if you enroll when first eligible. If you enroll at a later date, no guarantee issue is available. *This is a separate form that must be completed not in the PayCom portal 19 of 33

20 125 Company Medical FSA A medical FSA can be used to pay for eligible medical, prescription, dental and vision expenses with pre-tax dollars. The FSA is funded solely by you as the employee. The Annual election maximum for October 1, 2017 to September 30, 2018 will be $2, of 33

21 125 Company Medical FSA The current FSA plan runs until Sept 30, The new plan will start on October 1, The FSA includes a Grace Period of 75 days to incur claims. This means that you have until December 15, 2017 to incur claims. Any claims incurred after September 30 th (that you wish to use any remaining FSA dollars from 10/1/2016 to 9/30/2017 for) will need to be submitted for reimbursement the debit card cannot be used. You will have an additional 15 days after the Grace Period ends to submit any remaining receipts for reimbursement. 21 of 33

22 125 Company Dependent Care A Dependent Care FSA can be used to pay for eligible dependent care expenses with pre-tax dollars. Eligible expenses include day care, before and after school care, nursery or pre-school, summer day camp Eligible dependents are children under age 13 and a spouse or dependent unable to care for themselves while you work The current plan runs until Sept 30, The new plan will start on October 1, The Annual election maximum is $5,000 per family 22 of 33

23 125 Company Transit and Parking Transit and Parking benefits can be elected monthly Monthly Parking Maximum: $255 Monthly Transit Maximum: $255 Receipts must be submitted to the 125 Company for reimbursement 23 of 33

24 Pet Assure Veterinary Discount Plan Two Options: Pet Assure and PETplus Pet Assure Discount Plan for inhouse medical services. No age, breed, or pre-existing condition exclusions. PETplus Prescription Discount Plan for brand name prescriptions and preventive medications. 24 of 33

25 Pet Assure Veterinary Discount Plan Easy to use present your member ID card at a participating vet and receive an instant discount on the medical service portion of your bill To find a participating veterinarian go to: If your vet doesn t participate you can invite them to join right from the website Includes free Lost Pet Recovery Service 25 of 33

26 PETplus Prescription Discount Plan Easy to use shop online, shipping is free, and RX pickup is available at over 50,000 pharmacies nationwide. To activate your account and start saving go to: Includes free 24/7 Ask-A-Vet Helpline 26 of 33

Enrollment can be done at any time through the PayCom portal You may change your contribution at any time The 401K

27 Principal 401K Synaptek will match an amazing 100% of your salary deferral up to 4% of with no vesting period what a return on your investment! Enrollment can be done at any time through the PayCom portal You may change your contribution at any time The 401K Plan is managed by Principal Financial Account statements and additional information can be found at you will need to create an account and login to access this information 27 of 33

28 LEAF 529 College Savings Plan Synaptek will match your contributions dollar-for-dollar up to $1,000 per year! Payroll based contributions can range from $25 to $1,000 and contributions can be made to multiple accounts Accounts can be for your children, grandchildren, nieces, nephews, or yourself Most states offer a tax credit for 529 plan contributions 28 of 33

29 Frequently Asked Questions Q: What is the difference between an HRA and an FSA? A: The HRA is an account funded by your employer and pays only for your medical deductible. The FSA is an account funded by you that can be used to pay for any eligible medical, dental and vision expenses. Q: What accounts can I use the 125 Company Visa Benny Card for? A: The Benny Card can be used for both the HRA and the FSA account. The money will be in separate accounts on the card. When your card is swiped or a claim is submitted it will pull from the appropriate account based on the merchant code and what the service applies to (deductible, co-pay after deductible, dental expense, vision expense, etc) 29 of 33

30 Frequently Asked Questions Q: What expenses can I pay with my HRA? A: Only expenses related to the Medical Deductible are eligible to be paid with the HRA. Q: Why do I need to submit a receipt for my HRA or FSA claim? A: IRS regulations require that all claims need to be reviewed to confirm that they are eligible expenses. While many claims can be auto-adjudicated, some claims cannot and require a receipt as proof of being eligible in order to be paid. Q: Will I get a new Visa Benny card each year? A: No. It can be used until the expiration date listed on the card. You will get a new card once it expires. 30 of 33

Medical FSA and Dependent Care MUST be re-elected through the PayCom portal every year.

31 Enrollment Instructions All enrollments are due by Friday September 29 th Medical, Dental, and Vision enrollments will automatically continue as is. For changes elect through the PayCom portal. Medical FSA and Dependent Care MUST be re-elected through the PayCom portal every year. Transit and Parking automatically continue on a monthly basis. You may change these elections monthly on the PayCom portal. 31 of 33

Enrollment Instructions All enrollments are be due by

employees must submit this form each year.

Voluntary Life insurance is elected through the PayCom

32 Enrollment Instructions All enrollments are be due by Friday September 29 th STD and LTD Tax Choice form: All employees must submit this form each year. This form is on the PayCom Portal. Voluntary Life insurance is elected through the PayCom portal. Evidence of Insurability forms will be sent to you by Mutual of Omaha if needed 32 of 33

33 Questions Who can I call with Additional Questions? Your Human Resources Department (For Payroll & Paycom Questions Tina Wan / For Benefit Questions Toni Fisher) Patti Curran, Raffa Financial Services Your Dedicated Customer Service Representative or patti@raffafinancial.com During Open Enrollment: Faith Hites, Raffa Financial Services or faith@raffafinancial.com Thank You For Your Participation! 33 of 33

BENEFITS SUMMARY. Stay Healthy. Medical Insurance Dental Insurance Vision Insurance Gold s Gym Fitness Plan. Feeling Secure

BENEFITS SUMMARY. Stay Healthy. Medical Insurance Dental Insurance Vision Insurance Gold s Gym Fitness Plan. Feeling Secure Welcome to TekSynap where employees are our best asset. Benefits at TekSynap are available the first day of the calendar month following date of hire. We are committed to a comprehensive employee benefit