2018 BENEFITS G U I D E

Transcription

1 2018 BENEFITS G U I D E

2 Potos: We Callenge YOU! Many tanks to FLJ 07 for submitting tis year s cover poto! We love all your potos and want more. We callenge all regions to submit potos sowing ow you and your coworkers are te BEST! Will your poto be te cover next year? Selected potos may be used in any upcoming materials; make sure tey are ig quality and te best resolution your camera or pone can provide. Submit your potos in an to benefits@discounttire.com. Make sure to include your name and region in te . Start sending in YOUR potos today, and keep tem coming!

3 Dear Valued Employees, As members of te Discount Tire Family, we strive to take action in ensuring our customers receive te most information to make te rigt decision for tem (aka te Customer Experience Strategy). Taking an active role in your ealt is also important as it is te best way to prevent disease, get appropriate care, and reduce costs at te same time. A smart ealtcare consumer doesn t just ask te rigt questions of teir doctor, but knows it s also about prevention, self-care, and knowing were to find resources. By being a smart ealtcare consumer you can make good decisions wic will ave a positive impact on your pysical and financial ealt. Tis guide is a tool to assist you in making te rigt benefit elections. After you ave reviewed your coices, log in to Workday to make your benefit elections by Friday, October 27, Sincerely, Your Discount Tire Benefits Team Wat s in tis guide? For te most up-to-date information regarding benefit coices during open enrollment or any time trougout te year, visit NOT Canging Your Benefit Elections for 2018? / Important Notes Benefit Eligibility Medical Plan Coices Medical Plans Compared Healt Savings Plan wit te Healt Savings Account (HSA) Prescriptions Healt & Wellness Features Flexible Spending Accounts (FSA) Dental Plan / Vision Plan Legal Insurance / Pet Insurance Employee Assistance / Tuition Assistance / Dependent Scolarsips (k) Retirement Plan Life and Disability Insurance Online Resources for Employees and Families Have you visited yet? Te Discount Tire Family website can be accessed from work or at ome to keep you and your family informed and up-to-date on: Employee Benefits Financial Resources Healt and Wellness Discount Tire In te News Healty Recipes And more! 1 1

4 NOT canging your benefit elections for 2018? Log in at ttps:// during Open Enrollment to complete te following by Friday, October 27, 2017: Review all of your important information, dependents and beneficiaries, including: Your dependent(s) on te plan (Ex-spouses and dependent cildren age 26 and older are not eligible for coverage.) Your cosen beneficiaries and teir contact information, for bot your life insurance and 401(k) account (Ceck your 401(k) beneficiaries at Your contact info, including your current mailing address, pone number and personal Your emergency contacts Tobacco Free Employees qualify for 2018 Wellness Rates. Remember, you must declare you are tobacco free every year to qualify for Wellness Rates for your medical plan contributions. To participate, follow te instructions in Workday to make your 2018 benefit elections. Remember, you must enroll in Healt Savings and Flexible Spending Accounts every year. Optum Bank Healt Savings Account olders or tose enrolling or re-enrolling in WageWorks Healt Care and/or Dependent Care Flexible Spending Accounts for 2018 must elect and set payroll deduction amounts in Workday. Important to Note: Open Enrollment in Workday ends Friday, October 27, After making your benefit coices, please review and verify your elections carefully. You are electronically signing tat you are agreeing to te benefits you elect, so print te confirmation statement for your records. Submit Elections Confirmation 12:50 PM 10/01/2017 Page 1 of Open Enrollment for Austin J Dillon (000987) Initiated On: 10/01/2017 Submit Elections By: 10/21/2017 Event Date: 01/01/2018 Elected Coverages Benefit Plan Medical - United Healtcare Healt Savings Plan Dental - Delta Dental of Illinois PPO Coverage Begin Date Total Employee Cost/Credit $ Weekly Cost Select te print button below to print/save a pdf summary of your 2017 Open Enrollment elections. Deduction Begin Date Coverage 01/01/ /25/2016 Employee + Family 01/01/ /25/2016 Employee + Family Calculated Coverage Dependents Elizabet R Dillon Laura M Dillon Elizabet R Dillon Laura M Dillon Beneficiaries Employee Cost (Weekly) Employer Contribution (Weekly) $70.47 $ $8.67 $14.43 Healt Savings Account 01/01/ /25/2016 $1, $ Optum Bank Annual Healtcare FSA - 01/01/ /25/2016 $1, $50.00 WageWorks Annual Basic Life - Voya 01/01/ /25/ X Salary $50, Laura M Dillon $0.81 Financial (Employee) Additional Life - Voya 01/01/ /25/2016 $350,000 $350, $12.92 Financial (Maximum 7x Salary) (Employee) Sort Term Disability (STD) - Voya Financial BASIC (Employee) 01/01/ /25/ % of Salary $1, $6.20 Sort Term Disability 01/01/ /25/ % of Salary $ $3.62 (STD) ENHANCED - Voya Financial (Employee) EAP - EAP Advantage Plus 01/01/ /01/2012 Total: $ $ Waived Coverages Plan Type Vision Dependent Care FSA Spouse Life Cild Life Long Term Disability (LTD) Long Term Disability (LTD) ENHANCED 2

5 Benefit Eligibility Employees: Full-time employees are eligible for te Company s benefit plans after 90 days of full-time employment. Te 401(k) plan is open to employees age 21 and over, after completing 1,000 ours of service. Eligible Dependents: Eligible dependents include your legal spouse and cildren up to age 26. Te definition of cild includes any of te following: Your cild / stepcild A cild placed wit you for adoption Your legally adopted cild A cild for wom you ave legal guardiansip Your cild for wom ealt coverage is required troug a Qualified Medical Cild Support Order (QMCSO) NOTE: Newly married or divorced? Tese events cange your benefit eligibility. Below is an outline of benefit-related actions and teir required documentation. If you ave experienced... Marriage Divorce (you MUST remove your former spouse and/or former step-cildren) Deat of spouse or dependent cild Birt or adoption Gain or loss of oter coverage Documentation Required Marriage certificate and new spouse s Social Security card (original maiden name social security cards are accepted) Divorce decree Deat certificate Birt certificate or verification of birt / adoption agreement and Social Security card Proof of oter coverage or loss of coverage and effective date; applicable birt certificate(s), marriage certificate and Social Security cards if adding dependents Information About Making Mid-year Canges: Once a qualifying life event occurs, you ave 31 days from te date of te event to log in to Workday to submit te canges to your benefit elections and upload your supporting documents (i.e. birt certificate, marriage certificate, Social Security card, etc.). Canges will be effective on te date of te qualifying event. 3 3

6 Medical Plan Coices United Healtcare (UHC) Selecting te rigt medical plan takes careful consideration. Te Company offers medical plan options troug United Healtcare; review your coices and coose te plan wic best meets your needs. You can manage all aspects of your medical plan at Coice Plus Plan Coverage troug te Coice Plus Plan is a more traditional ealt care option wit a deductible, set co-pays and coinsurance amounts. Wit te Coice Plus Plan, you ave te option to elect te Flexible Spending Account (FSA). See details on page 9. Healt Savings Plan Te Healt Savings Plan is a medical plan wit a Healt Savings Account (HSA). Te Company contributes to your HSA once your medical benefits go into effect: $500 for individual / $1,000 for family. Plus, you can contribute to your HSA tax free. See details on page 6. Use your HSA money to pay your out of pocket ealt care expenses. All medical and prescription costs are applied to your deductible; after you meet te deductible, tere are no co-pays and te plan covers 90% wit 10% employee coinsurance. Be a Smart Consumer! Coose from UHC s Premium providers for quality pysicians wo offer more financial value. Wit te Healt Savings Plan, you ave te option to elect te Flexible Spending Account (FSA), but you may only use FSA funds to pay for dental and vision expenses. You cannot use FSA funds to pay for medical expenses wen enrolled in te Healt Savings Account. Your HSA goes were you go! Even if you cange jobs, switc ealt plans, or retire, your HSA is yours you own it, and te money carries over from year to year. See details on page 6. Preventive Care at No Cost Wit eiter plan option, in-network preventive care is usually covered wit no cost saring, including well cild, routine pysicals, OB/GYN exams, mammograms and prostate exams. Costs will only be incurred if additional non-preventive lab work is requested. Also, many prescription medications are considered preventive and also covered wit no cost saring. Call te member number on your Medical Plan ID card to find out wic preventive medications and services are covered at no cost Weekly Employee and Employer Medical Contributions See te Medical Rates in te Benefits Guide mailed to your ome or contact te Benefits Team in Human Resources for more information at or benefits@discounttire.com. 4 Remember: you must declare you are tobacco free EVERY YEAR to qualify for Wellness Rates. 4

7 Medical Plans Compared Benefit Te Company s Contribution UHC Coice Plus Plan UHC Healt Savings Plan In-Network Out-of-Network In-Network Out-of-Network Individual/Family (Does not apply) $500/$1,000 Annual Deductible Individual/Family $600/$1,800 $1,200/$3,600 $2,000/$4,000 Ω $4,000/$8,000 Ω Maximums Out-of-Pocket: Individual/Family $3,000/$7,000 $7,000/$18,000 $3,500/$6,850 $7,000/$14,000 Lifetime Maximum Unlimited Unlimited Unlimited Unlimited Preventive Care Routine pysicals, immunizations, pap smear, mammogram, prostate screening, etc. Frequency limitations apply. Pysician s Office Services: Sickness and Injury 100% 70%* 100% 70%* Pysician $20/visit 70%* 90%* 70%* Specialist $40/visit 70%* 90%* 70%* NEW Cost Savings: Virtual Visit via myuc.com FREE N/A $40 N/A NEW Cost Savings: Acupuncture (max 10 visits per year) $40/visit 70%* 90%* 70%* Mental Healt Services / Substance Related and Addictive Disorders Inpatient 90%* 70%* 90%* 70%* Outpatient $20/visit 70%* 90%* 70%* NEW Cost Savings: Virtual Visit via myuc.com FREE N/A $40 N/A Maternity Care Prenatal Visit $40 70%* 90%* 70%* Postnatal Visits/Surgery 90%* 70%* 90%* 70%* Emergency, Hospital, Tests Urgent Care $40/visit 70%* 90%* 70%* Emergency Room $200 $200 90%* 90%* Hospital Care 90%* 70%* 90%* 70%* Outpatient Surgery 90%* 70%* 90%* 70%* Lab, X-Ray and Major Diagnostics (CT, PET, MRI, MRA and Nuclear Medicine) Outpatient 90%* 70%* 90%* 70%* * = After deductible = Te Company funds your HSA on te day Medical Benefits go into effect. Ω = Te Healt Savings Plan also requires te FULL family deductible (e.g. $4,000 for in network) be met if you ave enrolled any dependents at all. = Wen you receive out-of-network care, te plan covers its percentage up to te Reasonable and Customary (R&C) limit, after you satisfy te Annual Deductible. You pay te remaining percentage up to te R&C limit plus any amount above te R&C limit. Don t wait until you trow your back out or ave a 102 fever to sign up for Virtual Visits! Sign up now to easily access virtual visits wen you need tem. To learn more and coose a virtual visit provider group, log in to FREE for Coice Plus Plan participants Healt Savings Plan participants: $40 per visit use your HSA dollars! 5 5

8 Healt Savings Plan wit te Healt Savings Account (HSA) Te Healt Savings Account (HSA) is offered troug Optum Bank to employees wo enroll in te Healt Savings Plan. Remember, you must set your weekly contribution amounts wen you enroll, but you may also increase or decrease your weekly contribution amounts any time trougout te year in Workday. If you coose to enroll in te Healt Savings Plan, you will receive a welcome kit and debit card from Optum Bank to pay for any out-of-pocket expenses. NOTE: You must be enrolled in te Healt Savings Plan to take advantage of te Healt Savings Account. Company HSA Contributions Te Company will contribute $500 for individual coverage and $1,000 for family coverage on te day medical benefits go into effect. NOTE: If you cange your Healt Savings Plan enrollment from individual to family or family to individual based on a qualifying event in te middle of 2018, te Company s contributions will remain at te plan coverage level at wic you initially enrolled. Your Pretax HSA Contributions In addition to te deposits te Company makes, you are able to contribute money on a pre-tax basis from your payceck to your HSA up to te combined annual IRS limit of $3,450 for individual coverage and $6,900 for family coverage. (Tese limits include te Company s contribution of $500 for individual and $1,000 for family.) If you are age 55 or older, you may contribute up to an additional $1,000 per year. HSA Benefit: Triple Tax Advantage Your contributions are made pre-tax, decreasing your overall taxable income. Your account grows tax free troug investments or interest payments. Money is witdrawn tax free wen you pay for qualified ealt care expenses. NEW for 2018: Your pre-tax contribution limits to your HSA ave increased tis year: $3,450 for individual coverage $6,900 for family coverage Using your Healt Savings Account Take advantage of te Healt Savings Plan s lower premiums and contribute te money you save on premiums into your HSA! Your HSA is a tax-free savings account wic you own and te money carries over from year to year. Use your HSA to pay for visits to your pysician or wen you pick up a prescription, or oter expenses suc as, eye glasses, ortodontia, and ciropractic care. See oter qualified expenses at If you don t use te money in your HSA, it will be tere for unexpected medical expenses or additional retirement funds. If you ave questions about your account, or want to learn more about your coices for using your HSA, contact Optum Bank s customer service at or HSA Eligibility and Restrictions: To be eligible to contribute to te HSA, you cannot ave oter non-hsa compatible coverage (i.e. Traditional PPO, HMO, or HRA plans, including non-hsa compatible coverage troug a spouse s employer, your spouse enrolled in a non-limited FSA, Medicare, Medicaid, or Tricare), or ave someone claim you as a dependent for tax purposes. If tis is te case, you can still elect te Healt Savings Plan for te lower premium contribution, but you may not receive te employer contributions or make your own pre-tax contributions to te HSA. If you are also enrolling in te Flexible Spending Account, 6 you are limited to using your FSA only for vision and dental expenses for you and your family. 6

9 Prescriptions NEW! Mail Service Member Select Beginning January 1, 2018, OptumRx (te administrator of te parmacy benefit on bealf of your United Healtcare medical plan) will make it easy for you to receive your maintenance medication(s) AND save you money. Mail Service Member Select (MSMS) gives you te coice to fill your maintenance medication at a retail parmacy or take advantage of te cost savings and convenience of mail order. Wat appens if I do noting on January 1, 2018? United Healtcare will be mailing out member communications notifying you if you are eligible for tis program. Before you reac your maximum number of two fills on your maintenance medication(s), you will need to eiter move your prescription to ome delivery or continue filling at a retail parmacy. If you do not coose a fill preference, you will pay te full cost for your medication until you make a decision. Mail Service Member Select SAVINGS: Coice Plus Members: Get tree monts supply of prescription medications for te cost of two wit Mail Service Member Select! Healt Savings Members: Mail Service is more cost effective AND you won t pay dispensing fees carged in retail parmacies. Wat appens if I opt out of te Mail Service Member Select Program (MSMS)? If you cose not to enroll, you can continue filling your prescriptions at a retail parmacy for te cost of your co-pays. However, you can switc back to OptumRx ome delivery at any time. Wy coose ome delivery? Cost savings: Average savings are 50% or more off of retail parmacy pricing. Convenience: Receive ome delivery of your medication wit free standard sipping. 24/7 access: Speak to parmacists wo can answer your questions anytime. Helpful reminders: Set up text and reminders to elp you remember to take or refill your medication. Automatic refills: Some medications may be set up to refill automatically once you ve enrolled. It s easy to get started! Online: Log in or register at and select Manage My Prescriptions. By pone: Call te member pone number on te back of your plan ID card to talk wit a customer service representative. It s elpful to ave your plan ID card and medication bottle available. Te representative can also contact your doctor directly if you need a new prescription. By fax / eprescribe: Ask your doctor to call for instructions on ow to fax your prescription directly to OptumRx Mail Service Parmacy. Or your doctor can send an electronic prescription to OptumRx Mail Service Parmacy. Prescriptions Retail (30 day supply) UHC Coice Plus Plan Mail Order (90 day supply) UHC Healt Savings Plan Retail (30 day supply) Mail Order (90 day supply) Tier 1 $10 $20 90%* 90%* Tier 2 $30 $60 90%* 90%* Tier 3 $60 $120 90%* 90%* Tier 4 $90 $180 90%* 90%* * = After deductible 7

10 Healt & Wellness Features By taking better care of ourselves, we ave te opportunity to live ealtier lives as well as reduce future medical costs. A variety of ealt and wellness features are available to you for free at as part of our compreensive medical benefit plan troug United Healtcare (UHC). Here are some examples: Maternity Support Program If you re tinking about aving a baby, or already ave one on te way, te Maternity Support Program gives you access to an experienced maternity nurse to answer your questions and offer support trougout your pregnancy and after birt. Call and speak wit a Healt Advocate to register and learn more! Ceck, Coose, Go > Wen you need care quickly, call your primary care pysician or family doctor first. Wen seeing your pysician is not possible, use te steps below to elp you find te rigt place for you and avoid any financial surprises: 24/7 Nurse Line Anytime expert advice. Call te number on your ealt plan ID card: FREE Virtual Visits on myuc.com Anytime online doctor visits. Coice Plus Plan: FREE; Healt Savings Plan*: $40 Urgent Care Center For non-life-treatening immediate needs. Coice Plus Plan: $40; Healt Savings Plan*: $190 Emergency Room (ER) For serious immediate needs. Coice Plus Plan: $200; Healt Savings Plan*: $1,700 *Average cost sown; your responsibility until you ve met your deductible, ten 10% co-insurance. Healt4Me Smartpone App UHC s free Healt4Me app provides mobile access to you and your family s ealt information. Once you re enrolled, download tis app to find a pysician, ceck te status of a claim, view your Medical Plan ID card, or use te Cost Estimator to elp you make te best decisions regarding your care. Healt4Me is available on te App Store and Google Play. Download te app for free today. Advocate4Me From questions about benefits to elp finding a doctor near you, Advocate4Me can provide support and resources to elp you and your family make confident ealt care decisions. To contact a Healt Advocate, call or Advocate4Me@uc.com. Advocates are available weekdays, 8 a.m. to 8 p.m. local time and nurses are available 24/7. Get a Pysical, Get $50! Have your pysician complete te Pysician Affidavit, add your signature and return it to Human Resources by December 31, 2018, and you ll receive a $50 gift card! Find te form in te front of tis packet or on te Discount Tire Family website: completed forms to benefits@discounttire.com. ALL fulltime employees and teir spouses are eligible! 8

11 Healt and Dependent Care Flexible Spending Accounts (FSA) WageWorks Te Company s Flexible Spending Accounts (FSA) can elp you save money. By paying for eligible ealt care and dependent care expenses for you or your qualified dependent(s) wit an FSA, you reduce your taxable income and pay no federal, state or social security taxes on te money used for tose expenses. You must enroll eac year to participate. FSA plans contain a Use It Or Lose It provision please plan carefully! Sould you leave te Company, benefits terminate on your last day of employment. FSA plans contain a Use It Or Lose It provision please plan carefully! If you are enrolled in te HSA, you cannot use your FSA dollars for anyting oter tan dental and vision expenses. Healt Care Flexible Spending Account Use your ealt care FSA to pay for eligible medical, parmacy, dental and vision expenses for you and your dependents, including, but not limited to, te cost of co-pays, coinsurance, eye glasses, ortodontia, ciropractic care, and eligible over-te-counter drugs. For plan year 2018, te maximum amount you can contribute to your ealt care FSA is $2,650. For a list of eligible expenses, visit Dependent Care Flexible Spending Account Use your Dependent Care FSA to pay for eligible cild care (up to age 13) and elder care expenses you incur because you and your spouse work. By law, te maximum amount you may contribute to any Dependent Care FSA for your family is $5,000 (or $2,500 if you are married and filing a separate return eac calendar year). In addition, your provider of care must furnis you wit eiter is/er Social Security Number or Tax Identification Number. For a list of eligible expenses, visit Flexible Spending Account Management Managing your account is easy. Wit a variety of payment and reimbursement options, your WageWorks FSA is easy to use. For Healt Care FSAs, you ll be provided wit a convenient WageWorks Healtcare Card giving you swipe-andgo convenience. You also ave te option to submit your receipts using te WageWorks EZ Receipts mobile app. Go to to manage important aspects of your FSA, including: Add Up Your Savings: You save by reducing te amount of your earnings wic are subject to federal income tax, FICA (Social Security) tax, and were applicable, state income tax. Exactly ow muc you save depends on ow muc you contribute eac year and on your tax situation. Most people can save between $30 and $40 in taxes for every $100 contributed. Te bottom line: You keep more of your ard-earned money instead of giving a portion to te IRS by using tax-free dollars for expenses you face trougout te year. And wit te various mobile and online resources available, spending your account funds couldn t be any easier. Submit claims Ceck your balance Access forms View claim status and istory Add a dependent Sign up for electronic notifications 9 9

12 Dental Plan: Delta Dental of IL Delta Dental of Illinois provides you access to a national network of preferred providers. Altoug you are not required to use tese providers, benefits are enanced wen selecting providers witin te preferred network. Find preferred providers at or download te Delta Dental mobile app. Benefit PPO Network Plan Pays Premier Network Plan Pays Out-of-Network Plan Pays Annual Deductible Individual/Family $50/$150 $50/$150 $50/$150 Maximum Benefits a pre-estimate is igly recommended to verify benefits prior to treatment: Annual Max Per Individual $1,750 $1,750 $1,750 Lifetime Maximum Unlimited Unlimited Unlimited Preventive Services Include: Oral Evaluations, X-Rays and Cleanings (2 cleanings/year) 100%* of reduced fee 100% of MPA 100% Ω of MPA Basic Services Include: Fillings, Extractions, Endodontics 80%* of reduced fee 80% of reduced fee 80% Ω of reduced fee Major Services Include: Implants, Inlays, Onlays, Crowns, Bridges and Prostodontics 50%* of reduced fee 50% of reduced fee 50% Ω of reduced fee Ortodontia Services: Coverage Level 50% of reduced fee 50% of dentist s fee 50% of dentist s fee Lifetime Maximum $2,000 $2,000 $2,000 * = You will not be balance billed for carges exceeding Delta Dental s allowed PPO fees. = You will not be balance billed for carges exceeding Delta Dental s maximum plan allowances (MPAs) Ω = You are responsible for carges exceeding Delta Dental s maximum plan allowances (MPAs) NO CHANGE TO PREMIUMS IN Weekly Employee Dental Contributions See te Dental Rates in te Benefits Guide mailed to your ome or contact te Benefits Team in Human Resources for more information at or benefits@discounttire.com. Delta Dental To-go Feature: You don t ave to leave your unused annual maximum beind. Discount Tire and Delta Dental are giving you more flexibility and elping you prepare for more extensive and costly dental treatment. Log in to for more information. Vision Plan: Superior Vision Troug Superior Vision, you can coose from a large number of in-network providers wo will elp you save money. Find an in-network provider, or confirm your current provider is in te network at Te vision plan is a voluntary benefit, 100% employee paid. 10 Benefit In-Network Plan Pays Out-of-Network Reimbursement Exams (once every 12 monts): Exams/Screenings 100% $34 Lenses (once every 12 monts): Single Vision 100% $29 Bifocal 100% $43 Trifocal 100% $53 Frames (once every 12 monts): Retail Cain Provider $150 $75 Contacts - in lieu of eyeglasses (once every 12 monts): Elective $150 $ NO CHANGE TO PREMIUMS IN Weekly Employee Vision Contributions See te Vision Rates in te Benefits Guide mailed to your ome or contact te Benefits Team in Human Resources for more information at or benefits@discounttire.com. No member card needed for your Vision Plan! Remember: HSA and FSA dollars can be used for Dental and Vision Services.

13 NEW! Legal Insurance: LegalGUARD LegalGUARD: Discount Tire as partnered wit Nationwide to provide you wit te LegalGUARD insurance plan, beginning January 1, Enrolling in LegalGUARD can elp reduce stress and provide te support and protection you need wen dealing wit a legal or financial concern, or are preparing for an unexpected situation. Wat does te LegalGUARD Plan provide? Access to over 18,000 attorneys nationwide wit expertise specific to your personal legal matter Concierge elp navigating common individual or family legal issues In- and out-of-network coverage Coverage: Home and residential: buying, selling, tenant disputes Financial and consumer: debts, tax audits, student loan refinancing Family: divorce, separation, name cange, prenuptial agreement, adoptions (including international) Estate planning and wills: will, living will, power of attorney Auto and Traffic: license suspension, traffic ticket, veicle repair and lemon laws Visit or call for more information and complete definitions. Limitations and exclusions may apply. NEW! Pet Insurance: Nationwide My Pet Protection Plans: We understand ow unexpected vet expenses can become stressful wen your family pets get sick or injured. Starting in 2018, Discount Tire will offer My Pet Protection plans troug Nationwide Pet Insurance. Coverage: Reimbursement for vet bills up to 90%, wit a $7,500 maximum per year, once you meet a $250 annual deductible Optional coverage for preventive care, like sots and flea medicine Boarding/kennel fees if a family member is ospitalized due to injury/illness Advertising/reward fees for pets tat go missing during te policy term Pet replacement costs if a missing pet is not found witin sixty(60) days Mortality coverage for eutanization due to illness/injury and cremation/burial fees See inserts on tese great NEW benefits in te guide sent to your ome! How does My Pet Protection Plan work? Simply take your pet to any vet, pay te invoice and submit your claim to Nationwide Pet Insurance. You ll be reimbursed by ceck or direct deposit usually witin ten days. Enroll NOW troug Dec. 31, 2017 for coverage starting Jan. 1, 2018: Go to or call (NOTE: Pet insurance enrollment is NOT via Workday.) Mention DISCOUNT TIRE to get our exclusive plans wit preferred pricing, based on te plan type and state you live in. 11 You may enroll at any time in If you enroll after Jan. 1, tere is a two-week set-up period before coverage starts. Make your montly premium payments directly to Nationwide Pet Insurance. 11

14 Employee Assistance Program (EAP) Wat is te EAP? Te Employee Assistance Program (EAP) is a confidential, FREE resource to elp wit personal issues wic migt be affecting you and your dependents, suc as: Personal/family issues Work concerns/work-related stress Relationsip issues (at work or ome) Substance abuse Financial concerns Legal issues Cildcare referrals Elder care referrals How Does te Program Work? Wen you call te EAP, a counselor will spend time wit you or your family member on te pone to identify te issue, gater information and provide personal assistance. Wen appropriate, te EAP counselor will elp scedule an appointment wit an EAP affiliate for a face-to-face meeting. All of te EAP Plus counselors and affiliates are licensed by state governing agencies. Up to 6 sessions are provided free of carge to eac employee or family member per issue. GuidanceResources Our EAP is provided troug GuidanceResources. To register, call or visit For te Organization Web ID, see te Benefits Guide mailed to your ome or contact te Benefits Team in Human Resources for more information at or benefits@discounttire.com. Tuition Assistance Program We recognize your skills and knowledge are critical to te success of te Discount Tire Family. Te Tuition Assistance Program encourages employees personal development troug reimbursement of eligible education expenses $5,250 per year for full-time employees, provided you pass wit a C or better. To participate, you must be employed continuously wit te Company for at least one year. Tuition and books are expenses eligible for reimbursement; coose individual courses or courses wic are part of a degree program troug nationally recognized accredited colleges. Oter restrictions may apply. Visit te Knowledge Center for te program rules and application form. Bruce T. Halle Scolarsip Te Bruce T. Halle Scolarsip Program is available to college-age dependents, ages 17-24, of all full-time employees wo ave worked at te company for tree consecutive years. Te scolarsip is provided for undergraduate study only, and students must be enrolled full-time and successfully complete 12 credit ours eac semester. Te scolarsip award is valued at $5,000 per year for students attending a four-year university, or $2,000 per year for students attending a two-year community college or vocational scool. Te scolarsip is divided in two payments and will be paid directly to te scool. 12 Contact te Diane and Bruce Halle Foundation at for information on obtaining scolarsip application forms and to find out more about te program. 12

15 401(k) Retirement Plan Empower Retirement Empower Retirement is te record keeper for te Company s 401(k) plan. Employees age 21 or older are automatically enrolled in te plan at a pretax contribution rate of 5% after completing 1,000 ours of service. You may coose a different contribution amount, coose to make Rot 401(k) contributions, or opt out at any time. Contribution Matcing Te Company makes contributing to te 401(k) Retirement Plan a win/win benefit. We encourage you to save by matcing your contributions $1.00 for every $1.00 you contribute up to 3% of your compensation and $.50 for every $1.00 on te next 3%. By deferring 6% of your eligible compensation you maximize your matc. Based on an annual salary of $40,000: If your weekly deferral is: Your annual contribution would be: Te annual Company matc would be: Total annual account contribution would be: 3% $1,200 $1,200 $2,400 4% $1,600 $1,400 $3,000 5% $2,000 $1,600 $3,600 6% $2,400 $1,800 $4,200 Te Company s matcing contributions are deposited in your account quarterly and you are 100% vested in te employer matcing contributions after 3 years of service (wit a minimum of 1,000 ours eac calendar year). You Control Your Investment Strategy You can coose to create your own portfolio from an array of investment options or coose a single, pre-diversified target date fund based on your expected retirement date. Visit to: Access your account Roll over money from oter retirement accounts Name your 401(k) beneficiary Learn weter Rot 401(k) contributions are rigt for you Set your communication preferences Or, contact Empower Retirement by pone at (1-844-DSC-TIRE) weekdays from 6:00 am to 8:00 pm MST. Make sure your 401(k) beneficiary is up to date! Your 401(k) beneficiary is te person(s) or entity(ies) wo receive(s) te cas benefit from your retirement account sould you pass away. It s important for you to designate a beneficiary and keep te information up to date. If you don t coose one, your account will be passed on according to te default provisions in te plan, wic may not be to te person(s) you prefer. You can cange your 401(k) beneficiaries at any time at Even if you ave a will, te Discount Tire Plan provisions will determine wo receives your money wen you don t ave a beneficiary on file. Be aware tat proceeds will not be paid directly to minor beneficiaries; a trustee or guardian must receive te money on teir bealf wic requires additional time and arrangements. Consult a financial professional or call Empower Retirement for more information. Questions? Please contact benefits@discounttire.com

16 Life and Disability Insurance: Voya Te Company s insurance carrier is Voya. Tese benefits terminate wen you leave te Company. See for additional details. Basic Life Insurance and AD&D Basic Life Insurance benefits offer you a way to protect your family s financial security in case of your injury or deat. Te weekly cost is very inexpensive and te benefit is 1.5x your annual salary, up to a maximum of $50,000. Additional and Dependent Life Insurance Employees may purcase Additional Life Insurance in $10,000 rounded-up increments up to 7x your base salary, capped at $500,000. If you elect Additional Life coverage for yourself, you may purcase Dependent Life Insurance for your spouse and cild(ren). Te Spouse Life benefit may be elected in $5,000 increments up to 50% of your additional life benefit election, capped at $100,000. Te benefit amount reduces at age 65. Te Cild Life benefit covers all of your cildren up to age 26 in te amount of $5,000 or $10,000. (See te Insurance Rates in te Benefits Guide mailed to your ome or contact te Benefits Team in Human Resources for more information at or benefits@discounttire.com.) Note: Any new life and disability elections during Open Enrollment require evidence of insurability (EOI). An EOI form will be sent to you from Voya. Complete and return te form to Voya for review. Upon approval, benefits will go into effect. Life Insurance Summary Table Coverage Weekly Payroll Deduction Basic Life and AD&D 1.5x annual salary, $50,000 max See te Insurance Rates in te Benefits Guide mailed to your Additional Life Coose $10,000 increments up to 7x annual salary, $500,000 max ome or contact te Benefits Team in Human Resources for Spouse Life* Coose $5,000 increments up to 50% Additional Life election, $100,000 max more information at or Cild Life* Covers all your cildren; coose $5,000 or $10,000 benefits@discounttire.com. *Requires Additional Life election. IMPORTANT: Name Your Life Insurance Beneficiary Your life insurance beneficiary is te person(s) or entity(ies) wo receive(s) te cas benefit from your life insurance policy sould you pass away. If you don t coose one, your state s laws determine wo receives te proceeds. You can cange your life insurance beneficiaries at any time by logging into Workday ( NOTE: Proceeds will not be paid directly to minor beneficiaries and will be placed in an interest bearing account until te minor is of age, so select your life insurance beneficiaries carefully. 14 Voya Travel Assistance Available to tose wo enroll in life and disability benefits: Voya Travel Assistance provides enanced security for your leisure and business trips. Wen traveling more tan 100 miles from ome, Voya offers you and your dependents four types of services: Pre-Trip Information, Emergency Personal Services, Medical Assistance Services, and Emergency Transportation Services. Via web, toll-free or collect 14 calling, you can access tese services from anywere in te world, 24 ours a day, 365 days a year. To learn more about tis benefit and ow to use it, visit

17 Sort Term Disability Insurance Tis benefit is designed to replace 60% of your income, up to a maximum of $1,200 per week, if you are unable to work due to a non-work related sort term illness or injury. Tis benefit pays for up to 24 weeks. Te cost for tis benefit is based on your annual earnings. Sort Term Disability Weekly Deduction Rates See te Sort Term Disability Rates in te Benefits Guide mailed to your ome or contact te Benefits Team in Human Resources for more information at or benefits@discounttire.com. Long Term Disability Insurance Tis plan provides 60% of your income, up to a maximum of $6,000 per mont, beginning after 180 days of continuous disability. Te cost for tis benefit is based on your annual earnings and age. Long Term Disability Weekly Deduction Rates See te Long Term Disability Rates in te Benefits Guide mailed to your ome or contact te Benefits Team in Human Resources for more information at or benefits@discounttire.com. Disability Insurance Summary Table Sort Term Disability Plan Long Term Disability Plan Benefits Begin 15t day of absence from work due to an illness/injury After 180 days of disability Duration of Benefits Up to 24 weeks (after waiting period) As determined by te Plan Wat You Will Receive 60% of basic weekly earnings* 60% of montly earnings* Up to a Maximum of $1,200/week $6,000/mont *Earnings are defined based on your employment class. Preexisting condition limitation may apply. Funeral Planning Services Available to tose wo enroll in life and disability benefits: Tis funeral and concierge service is available to elp you wen dealing wit funeral related issues. Everest Funeral Package, LLC, is a consumer advocate wo works on your bealf not a funeral ome or a funeral services broker. Wile removed from a sales-focused environment, tey will provide information to elp you make informed decisions about all funeral related issues, and ten put tose wises into action. For more information on tis benefit, visit

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19 Your teams for questions and assistance: Benefits Team Cara London Sr. Benefits Specialist / COBRA x66886 Jackie Logan Benefits for NMA, OKT, TXD, TXH, TXS / Military Leave x66104 Leave of Absence Team LOA@discounttire.com Lisa Peterson Sort Term Disability / FMLA / Ligt Duty for Non-Occupational Injuries x66489 Nina Scalzo Sort Term Disability / FMLA / Ligt Duty for Non-Occupational Injuries x67128 Janice Wyte Benefits for Corp, DTD, Fligt Dept., AZP, COD, ILC, KSK, MIA, MIW, WAS / 401(k) x65816 Karen Kuntz Benefits for CAL, CAN, CAS, CAR, FLO, GAA, INI, MNM, NVL, TNN, UTS, VAR x67104