PinnacleCare Health Advisory Services, EyeMed Vision Care, and Hyatt Legal Plans

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99 Park Avenue, 25th Floor New York, NY 10016 PRESORTED First-Class Mail U.S. POSTAGE PAID Buffalo, NY Permit No.

Sample Address Line 1 Address Line 2 City, State 12345-6789 /123456789/ VOLUNTARY BENEFITS PROGRAMS FOR

FAMILIES PinnacleCare Health Advisory Services,, and Hyatt Legal Plans PinnacleCare Health Advisory

their families, and Radio Frequency Systems employees and their families.

1 99 Park Avenue, 25th Floor New York, NY PRESORTED First-Class Mail U.S. POSTAGE PAID Buffalo, NY Permit No. 2 John Q. Sample Address Line 1 Address Line 2 City, State / / VOLUNTARY BENEFITS PROGRAMS FOR ALCATEL-LUCENT ACTIVE EMPLOYEES AND THEIR FAMILIES, AND RADIO FREQUENCY SYSTEMS EMPLOYEES AND THEIR FAMILIES PinnacleCare Health Advisory Services,, and Hyatt Legal Plans PinnacleCare Health Advisory Services,, and Hyatt Legal Plans Voluntary benefits programs for Alcatel-Lucent active employees and their families, and Radio Frequency Systems employees and their families. ENROLLMENT INFORMATION FOR 2016 Welcome What s Inside: AME327 Added Benefits Website Information P innaclecare Health Advisory Services Hyatt Legal Plans 2016 Voluntary Benefits Open Enrollment Period: September 28 October 30, 2015

Welcome Welcome to Your Voluntary Benefits Open Enrollment It s time to enroll in your voluntary benefits.

You will be able to enroll, disenroll, or make changes to your PinnacleCare Health Advisory Services,, and Hyatt Legal Plans for

ET, October 30, 2015, the Open Enrollment period for voluntary benefits will end, after which you will not be able to enroll in

unless you experience a qualified status change. Accessing Your Added Benefits Online 1 Type www.addedbenefitsaccess.

3 New users: You can set up an account by clicking on the Create Account button and following the steps.

Welcome Screen: New users will need to set up an account.

If you cannot remember your password, you may retrieve it here.

2 Welcome Welcome to Your Voluntary Benefits Open Enrollment It s time to enroll in your voluntary benefits. Enrollment for your voluntary benefits begins at 9 a.m. Eastern Time (ET), September 28, 2015, and ends at 5 p.m. ET, October 30, You will be able to enroll, disenroll, or make changes to your PinnacleCare Health Advisory Services,, and Hyatt Legal Plans for 2016 during these dates only. Added Benefits Website Please note, at 5:00 p.m. ET, October 30, 2015, the Open Enrollment period for voluntary benefits will end, after which you will not be able to enroll in coverage for health advisory services, vision services, or legal services, change your coverage level, or cancel coverage for 2016 unless you experience a qualified status change. Accessing Your Added Benefits Online 1 Type into the address bar of your Internet browser. 2 Log in: Existing account holders, please log in with your HRID and password. 3 New users: You can set up an account by clicking on the Create Account button and following the steps. 4 Password retrieval: Can t remember your password? Click on Retrieve Password and follow the steps. Welcome Screen: New users will need to set up an account. Log In: Existing account holders, please log in with your HRID and password. If you cannot remember your password, you may retrieve it here. Payments for voluntary benefits are made through convenient post-tax payroll deductions, which are broken out evenly over your 2016 payroll cycle. Added Benefits Voluntary Benefit Programs for Alcatel-Lucent management employees and their families and Radio Frequency Systems employees and their families., Hyatt Legal Plans and PinnacleCare Health Advisory Services VOLUNTARY BENEFITS OPEN ENROLLMENT SEPTEMBER 28 - OCTOBER 30, American Benefits Consulting LLC 1 2

PinnacleCare Health Advisory Services PinnacleCare Health Advisory Services PinnacleCare Providing peace of mind when facing a serious healthcare decision.

com during the Open Enrollment period to cancel your enrollment. Nearly one in three medical conditions are misdiagnosed. Is your family protected?

Where should I go for my care? Do I really need surgery? Are there other treatment options? PinnacleCare health advisory services fill the gap that health insurance and other benefits do not address.

health and well being. A serious healthcare challenge can strike when you least expect it.

3 PinnacleCare Health Advisory Services PinnacleCare Health Advisory Services PinnacleCare Providing peace of mind when facing a serious healthcare decision. If you are already enrolled in this program, your election will automatically renew. If you wish to cancel your PinnacleCare coverage, you must visit during the Open Enrollment period to cancel your enrollment. Nearly one in three medical conditions are misdiagnosed. Is your family protected? Increasing deductibles and healthcare complexity can leave you struggling with difficult questions and decisions when facing a serious medical issue: Is the diagnosis correct? Where should I go for my care? Do I really need surgery? Are there other treatment options? PinnacleCare health advisory services fill the gap that health insurance and other benefits do not address. For less than a dollar a day, this benefit will connect you with a trusted health advisor for guidance with medical conditions and decisions that can carry a heavy financial burden and risk to your health and well being. A serious healthcare challenge can strike when you least expect it. PinnacleCare advisors guide the way in helping you choose the right medical decisions for you and your family. YOUR PINNACLECARE ADVISOR WILL: How does PinnacleCare differ from what we get through our doctors and medical plans? Your advisory team is not employed by any healthcare provider or any health insurance plans. They work solely for you and have no conflict of interest associated with your specific care or treatment. PinnacleCare guides you through an incredibly confusing and time-consuming process, helping to prevent unnecessary or inappropriate treatment. They work to confirm a diagnosis at the onset and connect you with experienced specialists to inform you about the most current and effective treatment options. With PinnacleCare, you don t have to carry the burden of a complex health issue alone. When should I contact PinnacleCare? You should contact a PinnacleCare Connection Advisor when you or someone in your immediate family receives a serious diagnosis or is struggling with a complex condition, a recommendation for surgery, or a significant change in a current treatment plan. What defines a serious diagnosis or complex treatment? PinnacleCare defines a serious diagnosis as one that will involve rigorous treatment, a choice of treatment options, or a prolonged recovery, and can result in significant healthcare costs and/or time away from work. Examples include: cancer, cardiac surgery, back surgery, joint replacement surgery, transplants, and persistent diagnostic challenges. What services are covered under this benefit? Depending on your particular situation, PinnacleCare may provide you with a confirmation of your diagnosis, recommendations on top in-network specialists, facilitated appointments, and/or provide research on a diagnosis and appropriate treatment options. In certain cases, PinnacleCare will help to coordinate the gathering and forwarding of key medical records to a recommended specialist. How will this work with my medical plan? All recommendations will direct you to resources that operate within your insurance provider s network. We encourage you to contact your insurance provider with any questions or concerns associated with claims and/or coverage. Are our conversations kept confidential? Yes, PinnacleCare is a Health Insurance Portability and Accountability Act (HIPAA) compliant company and no personal health information will be shared with any third party without your consent. Pricing* $16/month (employee) $29/month (employee plus family) *Post-tax payroll deduction HELP you to better understand your diagnosis and treatment options. COLLECT, organize, and coordinate the transfer of your medical records for review prior to your scheduled appointment. IDENTIFY and connect you with medical research and top specialists to confirm the details of your diagnosis and appropriate treatment options. Can you provide an example of a change in treatment? For preexisting conditions, a change of treatment might entail a new drug or a recommendation for a surgical procedure, a change from a previous prescription, or therapy. Example: After a patient receives a series of injections for back pain, his/her physician recommends surgery. FACILITATE and schedule your appointment in an expedited manner. FOLLOW UP with you to ensure you are on the right path. 3 4

If you are already enrolled in this program, your election will automatically renew. If you wish to cancel your coverage, you must visit www.addedbenefitsaccess.

You can choose to enroll in the program available to you and your eligible dependents. Regular eye exams are important to the overall health of your family.

Your vision plan offers coverage for eye exams, lenses, frames, and contact lenses. This valuable coverage is available to you and your eligible dependents.

4 If you are already enrolled in this program, your election will automatically renew. If you wish to cancel your coverage, you must visit during the Open Enrollment period to cancel your enrollment. Please refer to the chart on page 7 for the 2016 rates. As a reminder, routine vision care is not part of your medical coverage. You can choose to enroll in the program available to you and your eligible dependents. Regular eye exams are important to the overall health of your family. A comprehensive eye exam can be the first indicator of health concerns, such as diabetes, high blood pressure, and glaucoma. Your vision plan offers coverage for eye exams, lenses, frames, and contact lenses. This valuable coverage is available to you and your eligible dependents. There are two options for you to choose from: How do I locate a provider? > STANDARD PLAN > ENHANCED PLAN Visit and select Benefit Providers under Vision Care to locate a provider in your area. Both plans provide you with vision care and prescription eyewear through a vast network that includes independent providers as well as retail locations, such as Sears Optical, Pearle Vision, Target Optical, LensCrafters, and JCPenney Optical. How do I know what is covered under my vision care coverage vs. my medical plan? Your EyeMed benefit provides coverage for routine eye care only. If you have a condition that requires treatment with medication or possible surgery, these may be handled by your physician through your medical plan. Here is a list of the most common conditions of the eye that may be covered under your medical plan: ID cards will be mailed to new participants in January. If you are continuing your coverage from last year, you will not receive a new ID card. Cataracts Glaucoma Conjunctivitis Diabetic Retinopathy Macular Degeneration Print Your ID Card for Safekeeping You are able to print your ID card if you choose to do so. Please visit Member/Patient Services: SELECT PLAN A ABC COMPANY SUSAN SAMPLE Group #: Effective: 01/01/2015 Underwritten by Fidelity Security Life Insurance Company IMPORTANT: A personalized ID card is printed with the employee s name only; eligible covered dependents should use the card for identification purposes. Member ID will be the employee s HRID. What does a routine eye exam entail? s panel of optometrists and ophthalmologists conduct comprehensive eye examinations to diagnose or detect existing conditions of the eye and vision system. The tests and procedures performed may vary by patient because of age or specific conditions, but typically include an assessment, diagnosis, and treatment plan. Visit for more detailed information. Please refer to the chart on the next page for a summary of benefits. monthly premiums are paid through convenient post-tax payroll deductions. Members will receive a 20% discount on items not covered by the plan at in-network providers, which may not be combined with any other discounts or promotional offers. The discount does not apply to EyeMed providers professional services or contact lenses. Retail prices may vary by location. Second Pair and Lasik Benefits At an in-network provider, once the funded benefit has been used, members also receive a 40% discount on the purchase of a second complete pair of eyeglasses and a 15% discount on conventional contact lenses. Members also receive 15% off the retail price, or 5% off the promotional price, for Lasik or PRK from the U.S. Laser Network, owned and operated by LCA-Vision. Catch degenerative eye conditions early with retinal imaging. Retinal images are obtained quickly and easily and give your eye care specialist the ability to monitor your eyes through the years. Early detection and treatment of eye conditions are crucial for your eye health. Ocular Hypertension Strabismus Retinal Detachment Retinitis Pigmentosa Uveitis If you choose to use a nonparticipating provider, you will be required to pay in full at the time of service and obtain itemized receipts. A copy of your receipts and a completed claim form should be submitted to EyeMed for reimbursement. You will be reimbursed up to the amounts listed on your schedule of benefits. Claim forms can be found at Value-Added Features Retinal Imaging 5 What if I decide to see a nonparticipating provider? Why vision care coverage? $50 toward premium nonprescription sunglasses* from Sunglass Hut. *May not be combined with any other offers or discounts. Transaction must be completed by 12/31/2016. This is not insurance. Redeemable at any participating U.S. Sunglass Hut, Sunglass Hut at Macy s or online, or at SunglassHut.com. Excludes Chanel, Maui Jim, Oakley, Tiffany, and Tom Ford. 6

5 Hyatt Legal Exams EyeMed Vision Standard Plan* Enhanced Plan* In-Network (member cost) Once per calendar year, Out-of-Network (maximum reimbursement) In-Network (member cost) $40 Once per calendar year, Out-of-Network (maximum reimbursement) $40 Hyatt Legal If you are already enrolled in this program, your election will automatically renew. If you wish to cancel your Hyatt Legal coverage, you must visit during the Open Enrollment period to cancel your enrollment. Retinal Imaging Up to $39 Up to $39 Standard Plastic Lenses Once per calendar year, *In-Network differences between the Standard and Enhanced Plans are highlighted in yellow. Once per calendar year, Single Vision $0 copay $40 $0 copay $40 Bifocal $0 copay $75 $0 copay $75 Trifocal $0 copay $100 $0 copay $100 Lens Options (per pair of glasses) UV Coating $15 copay Not covered $15 copay Not covered Tint (solid and gradient) $15 copay Not covered $15 copay Not covered Scratch Resistance $15 copay Not covered $15 copay Not covered Polycarbonate $40 copay Not covered $40 copay Not covered Anti-Reflective Coating $45 copay Not covered $45 copay Not covered Standard Progressive $65 copay $75 $65 copay $75 Premium Progressive $65 copay, 80% of charge, less $120 allowance $75 $65 copay, 80% of charge, less $120 allowance Other Add-Ons/Services 20% off retail Not covered 20% off retail Not covered Frames Once per year, $120 allowance toward retail value, 20% off balance over $120 Contact Lenses (in lieu of frames and lenses, allowance covers materials only) Conventional $100 allowance, 15% off balance over $100 Disposable $50 Once per year, $130 allowance toward retail value, 20% off balance over $130 Once per calendar year $75 Once per calendar year $75 $100 allowance, member cost is balance over $100 $75 $120 allowance, 15% off balance over $120 $75 $120 allowance, member cost is balance over $120 Medically Necessary $0 copay, $75 $0 copay, $75 Contact Lens Fit & Follow-Up Visits Available once a comprehensive eye exam has been completed Available once a comprehensive eye exam has been completed Standard Contact Lens Up to $40 Not covered Covered in full for first and 2 follow-up visits Premium Contact Lens 10% off retail Not covered 10% off retail, then apply $40 allowance Monthly Cost Employee $11.89 Employee + 1 $23.79 Family $32.71 Benefits described above are for one-time use per calendar year; benefit allowances provide no remaining balance for future uses within the same calendar year. $75 $60 $75 $75 $40 $40 Employee $13.71 Employee + 1 $27.44 Family $37.73 With the Hyatt Legal Plans, for an affordable price, you and your dependents will have access to professional legal representation for specific covered services whenever you may need them. Consider the following: If you owe money, would you like harassing calls from bill collectors stopped? Your plan attorney can help enforce your rights. Have you ever had problems with a landlord? Having an attorney on your side can help protect your rights. If you were in a coma, would your family or doctor know your wishes regarding medical care? A living will makes your wishes known. We cannot predict the future, but we can help you prepare for it. Read on to see if you should take part in this plan. For 2016, the monthly rate is just $ No claim forms All in-network covered services are paid in full Convenient post-tax payroll deduction of the monthly premium Out-of-network covered services are also available In-Network All attorney fees for covered services are paid in full there are over 13,000 in-network attorneys to choose from. You ll pay no deductibles or copayments, and there are no claim forms. Out-of-Network You may choose a non-plan attorney and be reimbursed for covered services according to a set fee schedule. You will be responsible for paying the difference, if any, between the plan s payment and the non-plan attorney s charge for services. Covered services include: Office Consultation and Telephone Advice Consumer Protection Matters - Small Claims Assistance - Personal Property Protection Debt Matters - Debt Collection Defense - Identity Theft Defense - Personal Bankruptcy or Wage Earner Plan - Tax Audits Defense in Civil Lawsuits - Administrative Hearing Representation - Civil Litigation Defense - Incompetency Defense Document Preparation - Affidavits - Deeds - Demand Letters - Document Review - Mortgages - Notes Elder Law Matters Family Law - Name Change - Premarital Agreement - Protection from Domestic Violence - Contested or Uncontested Adoption - Uncontested Guardianship or Conservatorship Immigration Assistance Personal Injury (25% Network Maximum) Personal Property Protection Real Estate Matters - Boundary or Title Disputes (Primary Residence) - Eviction and Tenant Problems (Primary Residence Tenant Only) - Home Equity Loans (Primary Residence) - Property Tax Assessment (Primary Residence) - Refinancing of Home (Primary Residence) - Sale or Purchase of Home (Primary Residence) - Zoning Applications Traffic and Criminal Matters - Juvenile Court Defense - Restoration of Driving Privileges - Traffic Ticket Defense (No DUI) Will and Estate Matters - Living Trusts - Living Wills - Powers of Attorney - Probate (10% Network Discount) - Wills and Codicils 7 8 7

6 Hyatt Legal Added Benefits Exclusions Excluded services are those legal services that are not provided under the plan. No services, not even a consultation, can be provided for the following matters: Employment-related matters, including company or statutory benefits Matters involving the company, MetLife and affiliates, and Plan Attorneys Matters in which there is a conflict of interest between the employee and spouse or dependents in which case services are excluded for the spouse and dependents Appeals and class actions Family Matters Farm and business matters, including rental issues when the Participant is the landlord Patent, trademark, and copyright matters Costs or fines Frivolous or unethical matters Matters for which an attorney-client relationship exists prior to the Participant becoming eligible for plan benefits Your coverage can be extended to parents. DON T FORGET: The Added Benefits Auto & Home Program provides you with access to: Competitive quotes from three leading national carriers MetLife Auto & Home, Liberty Mutual, and Travelers Possible money-saving discounts Easy comparison shopping Multi-policy discounts Protect your assets with a company you can trust SM. Helping people live safer, more secure lives since Providing superior coverage, value, and service for over 150 years. For more information on these and other programs, visit or call Select Option 1 for Active Employees At next prompt: Select Option 1 for questions on Enrollment Select Option 2 for questions on Payroll Deductions Select Option 3 for Auto and Home Insurance Select Option 4 for a Hyatt Legal Rep Select Option 5 for an Rep Select Option 6 for a LifeLock Identity Theft Protection Rep Select Option 7 for a PinnacleCare Health Advisory Services Rep In an effort to better serve you and your family, the Hyatt Family Matters Plan allows you to extend the benefits of Hyatt Legal for your/your spouse s parents. Now the benefit of a nationwide network of over 13,000 attorneys providing personal legal counsel is available to more of your family. Covered Services The Family Matters Plan covers telephone advice and office consultation to your/your spouse s parents for personal legal matters and the preparation of the following legal documents: Wills, including Testamentary Trusts Living Wills Powers of Attorney Deeds To enroll your/your spouse s parents, go to download the appropriate form, pay the upfront premium for a two-year membership, and your parents will have access to the Family Matters Legal Plan. The $240 premium, which cannot be canceled, covers each set of parents enrolled. Payments are made directly to Hyatt Legal by check or money order. LifeLock Identity Theft Protection Added Benefits has partnered with LifeLock to provide employees with identity theft protection and resolution services at discounted monthly rates. The experts at LifeLock provide monitoring services 24 hours a day, seven days a week to safeguard your personal information both online and off, helping to protect you from identity theft before it happens. You can apply for auto and home coverage and enroll in LifeLock at any time during the year! REMEMBER: These voluntary programs are separate from your health and welfare benefits coverage. For information on your health and welfare benefits coverage, such as enrollment dates, etc., please contact: Alcatel-Lucent active employees (not including Radio Frequency Systems) visit the Your Benefits Resources website at Radio Frequency Systems employees should visit For your convenience, Alcatel-Lucent has arranged for payroll deductions for coverage(s) that you may elect under this program. However, it should be noted that Alcatel-Lucent does not sponsor or endorse this coverage. This program does not apply to employees of subsidiaries or joint ventures who maintain their own voluntary benefits programs. HYATT LEGAL PLANS MOBILE APP IS NOW AVAILABLE ON THE ITUNES APP STORE AND GOOGLE PLAY! Alcatel-Lucent is not affiliated with, Hyatt Legal Plans, or PinnacleCare, and does not make any endorsements of or representation regarding service provided under this program. This program is completely voluntary and is offered solely as a convenience to Alcatel-Lucent employees. Employees are responsible for payment of premiums through automatic payroll deduction. The services offered by PinnacleCare do not qualify as an Alcatel-Lucent sponsored or administered employee benefit under the Employee Retirement Income Security Act of 1974, as amended. 9 10

Over the course of a year and a half, 66% of households experience an event that might lead them to a lawyer. 1

For UNC Health Care Over the course of a year and a half, 66% of households experience an event that might lead them to a lawyer. 1 Do you know where to turn to find a qualified attorney to represent you?