Benefits for Life! Choosing the right benefits makes a difference

Transcription

1 Benefits for Life! Choosing the right benefits makes a difference Annual Enrollment for 2018 November 10 27, 2017 Make your elections for next year during Annual Enrollment! 2018 TRUGREEN BENEFITS GUIDE 1

2 Live Life Better! We encourage our customers to live life outside, because we know it s just better out there! You might not think about it every day, but your TruGreen benefits can make your life better, too. For instance, the right healthcare coverage can make all the difference when you or a family member is ill or injured. Your disability coverage can be invaluable if you can t work for a period of time. And reimbursement accounts can help you save money on the healthcare and dependent care services you re going to use anyway. We are committed to keeping healthcare costs low while providing competitive plans and encouraging our associates to live healthy lives. That s why, like your life s circumstances, our benefits are continually evolving, and we re asking you to spend some time reviewing your benefit options for Then, decide how to best use the plans, programs and tools TruGreen provides to you. You can t always predict what life will bring for the year ahead. But you can lay the groundwork to ensure you re covered no matter what happens in Choosing the best benefits for your personal situation during enrollment will help ensure you live life better TRUGREEN BENEFITS GUIDE

3 In this guide Enrollment for 2018 Benefits 4 Health Benefits Rates 13 Life and Disability Benefits 16 Other Benefits 18 Important Contacts Important Notices 21 The 2018 Annual Enrollment period is November 10 27, 2017 For new associates hired after the Annual Enrollment period, the opportunity to enroll is up to 91 days from your date of hire. For associates experiencing a Qualifying Life Event during 2018, you have 30 days from the event to either enroll or make changes. Seasonal Active Leave (SAL) Associates For 2018, you have two opportunities to enroll in benefits: For benefits to take effect January 1, 2018, you can enroll during the Annual Enrollment period, November 10 27, Upon your return from SAL (after January 1), you may enroll or change coverage within 30 days of your return to active work, effective from your return date TRUGREEN BENEFITS GUIDE 3

4 2018 Benefits Enrollment at a Glance Annual Enrollment is November 10-27, If you are eligible for benefits and wish to make changes to your current elections, you must do so before the Annual Enrollment deadline. Eligibility Most associates are eligible for benefits after 90 days of service. When to Enroll What You Need to Know You can enroll if you are a full-time associate who works 30 or more hours per week. You also may cover eligible dependents including: Legally married spouse Your children under age 26 New hires are eligible for 2018 benefits after 90 days of service for most benefits. Annual Enrollment Period: The benefits you elect during Annual Enrollment will become effective on January 1, 2018 and will remain in effect unless you have a Qualifying Life Event (see How Long Your Benefits Will Be in Effect). New Hires: You can enroll in benefits up to 91 days from your date of hire. Qualifying Life Events: You have 30 days from your Qualifying Life Event to enroll or change coverage. For associates on Seasonal Active Leave (SAL), the dates on which you begin leave and return to work are considered Qualifying Life Events. What You Need to Do Know who is eligible for coverage through TruGreen. Make sure all your personal information in Workday is up-to-date. Eligible associates have from November 10-27, 2017 to make changes to their TruGreen benefits for If you are on SAL, you have two opportunities to enroll: 1. During Annual Enrollment for benefits that start January 1, 2018, or 2. Within 30 days of your return to active work in ENROLL BY NOVEMBER 27, 2017 To enroll online: 1. Go to You will be redirected to EmpowerID. 2. Log in to EmpowerID one of the following ways: If you have a Network (AD) account: Username: Network (AD) Username Password: Network (AD) Password If you have a TruGreen account: Username: TruGreen address Password: Network (AD) Password If you have a MISSION account: Username: MISSION Username Password: MISSION Password 3. Follow the prompts to complete self-service questions and click Submit. 4. On the mytrugreen website, click on mytghr in the top menu, then choose Health Benefits to access the Annual Enrollment website. If you have difficulty accessing either mytrugreen or mytghr, access mytgbenefits directly at compass.empyreanbenefits.com/trugreen To enroll by phone: Call mytgbenefits at (844) , option TRUGREEN BENEFITS GUIDE

5 Your Benefit Choices What Happens if You Don t Enroll? What You Need to Know Your elections from 2017 will remain in place for 2018 if you do not make any changes, with the exception of your Flexible Spending Account (FSA). Review the following benefits options to ensure you have the coverage you need: Medical, including prescription drugs: see pages 6-9 Health Reimbursement Account (for the Consumer Driven Health Plan): see page 8 Dental: see page 10 Vision: see page 11 Health Care or Dependent Day Care Flexible Spending Accounts: see page 12 Supplemental Life Insurance: see pages Accidental Death and Dismemberment (AD&D): see page 17 Legal Services: see page 18 Be sure to review the benefits you want for Your 2017 elections will remain in place for 2018 if you do not make any changes, with the exception of your Flexible Spending Account. What You Need to Do Read about your choices on pages 6-19 of this guide to understand your 2018 options. Be sure to enroll by the deadline if you want to make changes to your coverage or participate in an FSA in See pages for important information about Supplemental Life, Dependent Life and AD&D Insurance, and refer to the Summary Plan Description on mytgbenefits. Understand that your elections from 2017 will remain in place for 2018 with the exception of contributions to a Flexible Spending Account. Enrollment Tools and Resources How Long Your Benefits will be in Effect As you are making your enrollment choices, there are tools available through the mytgbenefits website to help you make decisions. Your benefit elections are effective for all of 2018, unless you experience a Qualifying Life Event or family status change, such as marriage, divorce, birth/adoption of a child, or change in employment status. In these circumstances, you have a limited amount of time to make changes (in most cases 30 days). Use the tools and resources on the mytgbenefits website to help you make decisions regarding coverage. Look for the calculator button for help estimating certain expenses. Contact mytgbenefits at (844) if you experience a Qualifying Life Event. KEEP READING TO LEARN MORE ABOUT YOUR 2018 BENEFIT OPTIONS 2018 TRUGREEN BENEFITS GUIDE 5

6 Health Benefits Medical Our benefits team works hard every year to provide a medical plan that is high in quality and affordable. Due to market conditions and the increasing cost of care nationwide, the costs of our program have increased for the 2018 plan year. We will continue to provide three plan options, which gives you more flexibility. All three plans cover the same services, but you share the cost of coverage in different ways. And under all three plans, you can see any physician/provider you choose, but your cost will be lower if you use in-network providers. Basic Consumer Driven Health Plan (CDHP) Regular Preferred Provider Organization (PPO) Plan Super Preferred Provider Organization (PPO) Plan What Are Our Plans? The Regular PPO and Super PPO Plans are traditional PPOs in which you pay higher premiums each pay period but pay copayments for most services without having to first meet your deductible. Key Terms Deductible: The amount you pay out-of-pocket for healthcare costs before TruGreen begins to pay toward your services. Out-of-pocket limit: The most you will pay for healthcare for yourself and/or your covered dependents in a plan year. Once you reach this limit, TruGreen will pay 100% of your covered healthcare services for the rest of the plan year. Coinsurance: The percentage share of covered healthcare costs TruGreen pays to a provider. Copay: The fixed amount you pay each time you use certain healthcare services. The Basic Consumer Driven Health Plan (CDHP) is a high-deductible health plan in which you pay lower premiums each pay period but must meet a higher deductible before the plan provides benefits. The company will provide a Health Reimbursement Account (HRA) with the CDHP to help pay for your healthcare expenses. See pages 7-8 for more information about HRAs. To find a provider in the BlueCross BlueShield network, visit TRUGREEN BENEFITS GUIDE

7 Comparing the Medical Options This table shows how the three different medical plans pay benefits. Please refer to the plan summary in the Health Benefits section of mytrugreen.com for more details. Consumer Driven Health Plan (CDHP) Regular PPO Plan Super PPO Plan Associate Contributions Lowest Lower Highest Deductible In-Network Out-of-Network Individual/Family $3,000 / $6,000 $9,000 / $18,000 Individual/Family $2,500 / $5,000 $7,500 / $15,000 Individual/Family $1,000 / $2,000 $3,000 / $6,000 Health Reimbursement Contribution $200 / $400 $0 / $0 $0 / $0 Out-of-Pocket Maximum (OOP Max.) In-Network Out-of-Network $6,550 / $13,100 $12,100 / $26,200 $6,100 / $12,200 $12,500 / $25,000 $3,000 / $6,000 $6,000 / $12,000 Coinsurance In-Network Out-of-Network 70% after deductible 70% after deductible 80% after deductible Preventive Care Covered at 100%, no deductible or copay when you visit in-network providers Doctor s Office Visit In-Network Out-of-Network 70% after deductible $35 copay $35 copay Specialist s Office Visit In-Network Out-of-Network 70% after deductible $45 copay $45 copay Urgent Care In-Network Out-of-Network 70% after deductible $35 copay $35 copay Emergency Room (Same for In-Network and Out-of-Network) 70% after deductible $200 copay (waived if admitted), then 70% after deductible $200 copay (waived if admitted), then 70% after deductible Inpatient Hospital In-Network Out-of-Network 70% after deductible 70% after deductible 80% after deductible Maternity Care In-Network Out-of-Network 70% after deductible $35 copay $35 copay Telemedicine $38 per visit $38 per visit $38 per visit How the CDHP Works The Consumer Driven Health Plan gives you more control and accountability over how you use your benefits and spend your healthcare dollars. With this plan: Your associate premiums are lower. Once you meet your deductible, you pay coinsurance on covered medical services. The deductible is higher. Once you meet your out-of-pocket maximum, Most in-network preventive services are covered the plan provides 100% coverage. at 100% without having to meet your deductible TRUGREEN BENEFITS GUIDE 7

8 Health Reimbursement Account Replaces Health Savings Account This year, TruGreen is transitioning to a Health Reimbursement Account (HRA), rather than a Health Savings Account (HSA) with the Consumer Driven Health Plan. The HRA is very similar to the HSA it is a personal healthcare account that you can use to pay out-of-pocket medical expenses. The HRA is set up for you by TruGreen with a fixed amount of money to spend each year for healthcare expenses. TruGreen will contribute $200 for each individual and $400 for each family enrolled in the Consumer Driven Health Plan. You can use HRA money to pay for your eligible medical expenses and/or your covered dependents eligible medical expenses. You ll use the HRA for doctor s office visits, diagnostic tests, prescription drugs and more. A Health Reimbursement Account works best when you keep track of your account activity. Take advantage of bcbst.com and its easy-to-use resources, such as: Online access to view past transactions and claim status. Medical and drug comparison information. List of medical expenses that qualify for coverage in your plan. HRA FAQs How does the HRA compare to the HSA that I am used to? HRA funds are there to help you pay healthcare expenses throughout the year. HRA funds have a use it or lose it rule and do not roll over from year-to-year. Wondering what to do with your HSA funds? Don t worry. You can still use any HSA funds you ve already accumulated to pay for eligible healthcare expenses. Can I have an FSA with an HRA? Yes! Enrolling in a Flexible Spending Account (FSA) allows you to make tax-free payroll contributions to pay for eligible medical expenses that are not covered or reimbursed by the HRA. FSAs increase your take-home pay by reducing taxable income, making out-of-pocket expenses more affordable! The amount of tax savings you receive depends on your individual tax bracket and the amount of money you choose to have withheld from your paycheck. See page 12 in this guide for more details on the FSA and Dependent Care Accounts offered by TruGreen. New! Virtual Doctor Visits This year TruGreen is pleased to offer a telemedicine program through BlueCross BlueShield of Tennessee. The PhysicianNow program is powered by MDLive, a leading provider of virtual physician care. These board-certified providers save you a visit to the doctor s office or urgent care facility and can help diagnose and treat non-emergency medical and pediatric conditions. Plus, they can even write prescriptions and send them to a nearby pharmacy on your behalf. How Does it Work? PhysicianNow is available by online video, mobile app, or phone 24 hours a day, seven days a week. Associates enrolled in a TruGreen medical plan will pay $38 per virtual visit. For questions about the program, call BCBST Customer Service. You can find the number on the back of your Member ID card TRUGREEN BENEFITS GUIDE

9 Prescription Drugs Each TruGreen medical plan option includes coverage for prescription drugs through Express Scripts. Through this plan, you can have your prescriptions filled by major pharmacies and most independent pharmacies. How are prescription drugs covered differently under our plans? CDHP Plan: Regular PPO and Super PPO Plans: Preventive drugs as outlined on Express Scripts Preventive Drug List will be available for only a copay without first having to meet your deductible. For all other drugs, you must first meet your deductible and then pay a copay or coinsurance for each prescription you fill at an in-network pharmacy. In-Network Pharmacy Benefits Prescription drugs are not subject to the deductible. You just pay a copay for each prescription you fill at an in-network pharmacy. Feature CDHP Regular PPO Plan Super PPO Plan Annual Maximum Drug Benefit None None None Deductible (Retail Brand Only) Integrated with Medical Plan $75 / $150 $75 / $150 Annual Out-of-Pocket Maximum Integrated with Medical Plan $1,000 / $2,000 $1,000 / $3,000 Retail (30-day) Generic* Formulary (min./max.) Non-Formulary (min./max.) 70% after medical deductible 70% after medical deductible 70% after medical deductible $10 75% ($20 min. / $120 max.) 65% ($40 min. / $120 max.) $10 75% ($20 min. / $120 max.) 65% ($40 min. / $120 max.) Mail Order (90-day) Generic* Formulary (min./max.) Non-Formulary (min./max.) 70% after medical deductible 70% after medical deductible 70% after medical deductible $25 75% ($40 min. / $240 max.) 65% ($80 min. / $240 max.) $25 75% ($40 min. / $240 max.) 65% ($80 min. / $240 max.) * Penalties may apply if a brand is requested when a generic is available. What s a Formulary? A formulary is a listing of preferred drugs, including a wide selection of generic and brand-name prescriptions. These drugs are preferred because they help to keep prescription drug costs down for you and the company. Money-Saving Tips If you are currently taking a medication that is Preferred Brand, Non-Preferred Brand or Specialty, ask your doctor if there are generic alternatives. Be sure to use a preferred pharmacy pharmacies that have agreed to offer the lowest-cost prescription drug services for members of TruGreen benefit plans. If you do not use a preferred pharmacy, you will pay an extra $5 per prescription filled. To review the most current and complete list of preferred and non-preferred pharmacies, log on to TRUGREEN BENEFITS GUIDE 9

10 Dental Smile! TruGreen offers you a choice of three dental plan options: DMO Plan Base PPO Plan Buy-Up PPO Plan All three plans cover preventive care at 100%; this includes routine oral exams, preventive cleanings and X-rays. In-Network Provider Benefits Some of the main differences between these plans include the following: The DMO does not have a maximum benefit amount per calendar year; both PPO plans have a $1,500 maximum per covered person per calendar year. The DMO does not have a deductible you must meet before the plan begins paying benefits. The Base PPO Plan does not offer coverage for orthodontia. Feature MetLife or Cigna DMO Plan MetLife Base PPO Plan MetLife Buy-Up PPO Plan Annual Deductible None $50 per individual $150 per family $50 per individual $150 per family Preventive Care Covered at 100% Covered at 100% Covered at 100% Coinsurance Covered at 100% Basic Services: 85% after deductible Major Services: Basic Services: 85% after deductible Major Services: Orthodontia (per individual) Set fee for covered services No coverage 50% (no deductible) $1,500 lifetime maximum Annual Calendar Year Maximum (per individual) None $1,500 max. per covered person per calendar year $1,500 max. per covered person per calendar year MetLife and Cigna are the carriers for the dental plans. Here s how to find an in-network dentist: To find a list of network dental providers under the Base PPO, the Buy-Up PPO or the MetLife DMO, log on to To find a list of network providers under the Cigna DMO, including a primary care dentist, log on to TRUGREEN BENEFITS GUIDE

11 Vision Comprehensive eye exams play an important role in your overall wellness, and you should get one every year for optimal vision health. Besides measuring your vision, regular eye exams can help identify early signs of certain chronic health conditions. TruGreen offers two Vision plans through EyeMed: Basic Vision Plan Premium Vision Plan To find an EyeMed network provider: EyeMed s network of providers includes private practitioners, as well as the nation s premier retailers: LensCrafters, Sears Optical, Target Optical, JC Penney Optical and most Pearle Vision locations. For a complete list of in-network providers near you, visit With either plan, your benefits are greater when you use in-network providers. In-Network Provider Benefits Feature Basic Vision Premium Vision Exam (once per 12 months) Covered at 100% Covered at 100% Eyeglass Frames (once per 12 months) $130 allowance; 20% discount thereafter $170 allowance; 20% discount thereafter Eyeglass Lenses (once per 12 months) Single, Bifocal, or Trifocal Standard Progressive Contact Lenses (once per 12 months in lieu of glasses) If medically necessary $10 copay $75 copay $130 allowance; 15% discount thereafter $0 copay Covered in full Covered in full $170 allowance; 15% discount thereafter $0 copay 2018 TRUGREEN BENEFITS GUIDE 11

12 Flexible Spending Accounts Would you like to find a way to pay less in taxes? Flexible Spending Accounts offer an easy way to do just that while paying for healthcare or dependent day care. TruGreen offers two types of accounts: Type of Account What is it? Who can participate? Health Care Flexible Spending Account Dependent Care Flexible Spending Account* Helps you pay for qualified expenses such as deductibles, copays, coinsurance and other expenses not covered under a medical, dental or vision plan Helps you pay for qualified expenses incurred for care provided to dependents, including licensed child care workers, nursery schools, or elder care while you are at work Using the Flexible Spending Accounts It s as easy as 1-2-3: 1. Select the amount you d like to contribute for the year, up to certain limits. 2. Your account is automatically funded with a paycheck deduction that s taken before taxes are calculated. TIP: Look for the calculator at the top of the mytgbenefits web page for help estimating amounts to deduct. 3. Submit your eligible expenses and get reimbursed from your tax-free account. All associates All associates How much can I contribute pre-tax in 2018? Minimum: $120 each plan year Maximum: $2,650 each plan year Minimum: $120 each plan year Maximum: $5,000 each plan year * Plan is subject to non-discrimination testing. Highly-compensated associates will be notified post-enrollment if annual contributions need to be limited. Here s how you save money: Contributions go from your paycheck into your spending account(s) before taxes are figured. This lowers your taxable income and you pay less tax. In other words, you get a tax break for putting money aside for expenses you would have paid for anyway! What s not to like about that? For a list of eligible expenses, go to the mytgbenefits website at mytrugreen.com, click on mytghr in the top menu, then choose Health Benefits. Or you may call mytgbenefits at (844) IMPORTANT REMINDER Flexible Spending Accounts are subject to use-it-orlose-it IRS rules. Any unused balance at the end of the year cannot be returned to you. So be sure to plan carefully! TRUGREEN BENEFITS GUIDE

13 2018 Rates ASSOCIATE CONTRIBUTIONS FOR OUR 2018 BENEFIT PLANS Medical (Includes Prescription Drugs) Plan Covered Person(s) Weekly Semi-monthly CDHP Regular PPO Super PPO Associate Only Associate + Spouse Associate + 1 Child Associate + 2+ Children Associate + Spouse + 1 Child Associate + Spouse + 2+ Children Associate Only Associate + Spouse Associate + 1 Child Associate + 2+ Children Associate + Spouse + 1 Child Associate + Spouse + 2+ Children Associate Only Associate + Spouse Associate + 1 Child Associate + 2+ Children Associate + Spouse + 1 Child Associate + Spouse + 2+ Children If you or a covered dependent uses tobacco, you will pay a total surcharge of $75 per month. $24.42 $53.72 $41.72 $57.89 $69.89 $86.05 $33.64 $73.80 $57.18 $79.24 $95.85 $ $63.63 $ $ $ $ $ $52.92 $ $90.40 $ $ $ $72.89 $ $ $ $ $ $ $ $ $ $ $ All Plans Tobacco User Surcharge $17.31 $37.50 Dental Plan Covered Person(s) Weekly Semi-monthly MetLife DMO Plan Associate Only Associate + 1 Associate + 2 Associate + 3 or more $3.21 $5.81 $6.61 $9.50 $6.96 $12.58 $14.33 $20.58 Cigna DMO Plan Associate Only Associate + 1 Associate + 2 Associate + 3 or more $5.25 $9.75 $13.23 $15.04 $11.39 $21.13 $28.68 $32.60 Base PPO Plan Associate Only Associate + 1 Associate + 2 Associate + 3 or more $7.05 $14.22 $20.36 $22.54 $15.28 $30.81 $44.11 $48.83 Buy-Up PPO Plan Associate Only Associate + 1 Associate + 2 Associate + 3 or more $8.47 $17.08 $24.46 $27.08 $18.36 $37.01 $52.99 $ TRUGREEN BENEFITS GUIDE 13

14 Vision Covered Person(s) Weekly Semi-monthly Basic Plan Associate Only $1.54 $3.34 Associate + 1 $3.08 $6.68 Associate + 2 $3.86 $8.35 Associate + 3 or more $4.24 $9.19 Premium Plan Associate Only $3.84 $8.32 Associate + 1 $7.68 $16.65 Associate + 2 $9.60 $20.81 Associate + 3 or more $10.57 $22.90 Supplemental Life Insurance Rates Age Weekly per $1,000 of Coverage Semi-monthly per $1,000 of Coverage Non-Tobacco User Tobacco User Non-Tobacco User Tobacco User Under 25 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ You may enroll up to the maximum coverage amount when you are first eligible. You may increase one level during each annual enrollment period. Child(ren) Life Insurance Rates Spouse Life Insurance Rates Children Weekly Semi-monthly $2,000 $0.10 $0.21 $5,000 $0.24 $0.53 $10,000 $0.48 $1.05 $15,000 $0.73 $1.58 $25,000 $1.21 $2.63 Spouse Weekly Semi-monthly $15,000 $0.73 $1.58 $25,000 $1.21 $2.63 $50,000 $2.42 $5.25 $75,000 $3.63 $7.88 $100,000 $4.85 $ TRUGREEN BENEFITS GUIDE

15 Accidental Death & Dismemberment Rates Coverage Weekly Semi-monthly You You + Family You You + Family $20,000 $0.07 $0.11 $0.15 $0.23 $30,000 $0.10 $0.16 $0.23 $0.35 $40,000 $0.14 $0.21 $0.30 $0.46 $50,000 $0.17 $0.27 $0.38 $0.58 $60,000 $0.21 $0.32 $0.45 $0.69 $70,000 $0.24 $0.37 $0.53 $0.81 $80,000 $0.28 $0.42 $0.60 $0.92 $90,000 $0.31 $0.48 $0.68 $1.04 $100,000 $0.35 $0.53 $0.75 $1.15 $150,000 $0.52 $0.80 $1.13 $1.73 $200,000 $0.69 $1.06 $1.50 $2.30 $250,000 $0.87 $1.33 $1.88 $2.88 $300,000 $1.04 $1.59 $2.25 $3.45 $350,000 $1.21 $1.86 $2.63 $4.03 $400,000 $1.38 $2.12 $3.00 $4.60 $450,000 $1.56 $2.39 $3.38 $5.18 $500,000 $1.73 $2.65 $3.75 $5.75 $550,000 $1.90 $2.92 $4.13 $6.33 $600,000 $2.08 $3.18 $4.50 $6.90 $650,000 $2.25 $3.45 $4.88 $7.48 $700,000 $2.42 $3.72 $5.25 $8.05 $750,000 $2.60 $3.98 $5.63 $8.63 Long-Term Disability Rates Legal Services Plan Rates Option Monthly Rates per $100 of Coverage Covered Person Weekly Semi-monthly 50% Option $0.385 Associate Only $3.63 $ % Option $ TRUGREEN BENEFITS GUIDE 15

16 Life & Disability Benefits Life and AD&D Insurance TruGreen provides basic life insurance to all eligible associates at no cost to you. The coverage amount is equal to 1.5 times your annual earnings (rounded to the nearest $1,000). Your eligible earnings include annual base salary/regular hourly earnings (not including overtime earnings) and commissions (excluding bonuses or incentives). So, if you earn $30,000 per year, your basic life insurance coverage would be equal to $45,000 per year. The maximum amount of coverage is $500,000. Your coverage level for 2018 is based on your frozen annual earnings your annualized base pay as of September 1, 2017, and commissions earned during the 12 months preceding September 1, In addition, you may purchase additional life insurance for yourself or your dependents as follows: Supplemental Life Insurance for Yourself Coverage Amount You may purchase up to 5 times your frozen annual earnings (rounded to the nearest $1,000) Maximum Coverage Amount $2,000,000 for basic life and supplemental coverage combined Spouse and/or Child(ren) Life Insurance Coverage Amount Maximum Coverage Amount You may purchase life insurance for your spouse and/or children from age 14 days to 19 years (or 26 years old if your child is a full-time student) Spouse: $15,000, $25,000, $50,000, $75,000 or $100,000 Child: $2,000, $5,000, $10,000, $15,000 or $25,000 Must be equal to or less than your associate coverage amount (basic and supplemental coverage combined) IMPUTED INCOME Life insurance in amounts over $50,000 is considered to be imputed income, and the IRS taxes you as if you were receiving income. If this affects you, you will see a line added to your paycheck called Excess Life Impute. Guaranteed Issue Amounts You may enroll up to the maximum coverage level when you are first eligible for coverage (for yourself and your dependents). Keep these two points in mind: If you do not enroll when you are initially eligible, you may be required to provide evidence of insurability at the time you do choose to enroll; and If you elect $75,000 or $100,000 in spouse dependent life insurance, your spouse will be required to provide evidence of insurability TRUGREEN BENEFITS GUIDE

17 Accidental Death and Dismemberment (AD&D) Insurance AD&D insurance pays a benefit to you or your beneficiary if you or a covered dependent suffers certain accidental injuries or dies from an accident. AD&D Insurance Coverage Amount for You You may purchase $20,000 to $100,000 in multiples of $10,000; $150,000 to $750,000 in multiples of $50,000 Maximum Coverage Amount 10 times your frozen annual earnings or $750,000 Coverage Amount for Your Spouse 60% of your insurance amount (rounded to the nearest $1,000); maximum of $450,000 Coverage Amount for Your Child(ren) 30% of your insurance amount (rounded to the nearest $1,000); maximum of $25,000 Disability Insurance When an illness or injury prevents you from working for an extended period of time, disability coverage provides partial income replacement. You become eligible for disability insurance after 90 days of service. TruGreen provides two forms of disability insurance: Short-Term Disability (STD): If you re unable to work, STD can replace a portion of your income. You do not need to enroll to receive this benefit. STD is provided at no cost to you. Long-Term Disability (LTD): You can elect LTD coverage for income protection in the event you are disabled beyond the 13 weeks covered by STD. You must enroll in LTD (choose from 50% or 60% income replacement coverage), and you pay the cost for coverage. Short-Term Disability (STD) Coverage Amount TruGreen provides 60% of frozen earnings (your annualized base pay as of September 1, 2017, and commissions earned during the 12 months preceding September 1, 2017) for participants with at least one, but less than five, years of completed service; 80% of frozen earnings for participants after the fifth completed year of service. When Benefits Start When Benefits End Maximum Monthly Benefit $15,000 Long-Term Disability (LTD) After seven days of disability Benefits are payable for up to 13 weeks per disability per year Coverage Amount When Benefits Start You can purchase LTD coverage of 50% or 60% of frozen earnings, offset by other sources of income (such as Social Security). After 14 weeks (or 98 days) of disability When Benefits End Maximum Monthly Benefit $15,000 If disabled before age 60, the maximum duration is to age 65. If disabled after age 60, the maximum duration is a specific number of months based on age as of the date of disability. 1 You must provide evidence of insurability before you can be approved for coverage if you have no LTD coverage and you elect the 60% benefit option. 2 If you are disabled due to a pre-existing condition during the first 12 months you are covered by the LTD plan, benefits are not paid for that disability. If you increase your benefit coverage option from 50% to 60%, have exhausted your initial pre-existing period and are disabled due to a pre-existing condition during the first 12 months after the change to 60%, benefits payable for that disability are at the 50% coverage option TRUGREEN BENEFITS GUIDE 17

18 Other Benefits Legal Services Did you know that the majority of adults in the U.S. do not have a will? For less than $4 per week, you can get professional legal counsel and help protect your loved ones. The legal services plan gives you access to more than 10,000 experienced attorneys through the voluntary Hyatt Legal Plan, provided by MetLife. When you use a network attorney, fees for covered services are fully paid for by the plan and there are no copays or claim forms. You can receive legal representation for a wide range of personal legal matters, such as: Mortgages Wills Elder law matters Family law Document preparation Court appearance (excludes DUI) TruGreen LifeManagement Program This employee assistance program (EAP) provides you and your eligible dependents with support to help you manage the stress and challenges of life. You don t need to enroll in this program, and there is no cost to you. You can receive support for: Stress Marital and family problems Child or elder care Financial and legal issues Alcohol or drug dependencies Depression and anxiety Work/life balance All services are confidential and provided by caring, trained counselors who can help you clarify the problem, identify your choices and develop a plan of action. Telephone and online support is available 24 hours a day, seven days a week. Call (800) or visit Quit For Life Program Ready to quit tobacco for good? The American Cancer Society Quit For Life Program can help you and your family members do just that. The telephone-based counseling program, available 24 hours a day, seven days a week, doubles your chances of quitting. Services include confidential counseling sessions, self-help booklets, information about resources and support programs in your community, and nicotine replacement therapy (patches and gum). Call (866) or visit to sign up and be a quitter! TRUGREEN BENEFITS GUIDE

19 You can begin participating in the 401(k) plan at any time of the year, but Annual Enrollment is a great time to think about saving for the future. Get Ready for the Future with the 401(k) Plan The TruGreen Profit Sharing and Retirement Plan (the 401(k) plan) provides a convenient way for eligible associates age 18 or older to save for retirement. TruGreen matches your contributions to the plan as follows: 100% of the first 1% of pay you contribute 50% of your contributions from 2%-6% of pay You are fully invested in, or own, TruGreen s contribution after two years of service. Discounts through Beneplace All TruGreen associates are eligible for discounts through the Beneplace marketplace. You can take advantage of special offers and discounts on everything from dining to electronics and much more. Check out what s available at beneplace.com/trugreen. Paid Leave TruGreen provides a variety of paid leave through a combination of holidays and other paid leave options, depending on your role and/or years of service. Speak to your manager about your benefit. For more information or to begin participating, visit the mytgbenefits website at mytrugreen.com under mytghr, or you can contact Wells Fargo at (800) or TRUGREEN BENEFITS GUIDE 19

20 Important Contacts Benefit Provider Website Phone Number Medical BlueCross BlueShield of Tennessee (877) Prescription Drugs Express Scripts (800) Cobra/Direct Bill Conexis/Wageworks mybenefits.wageworks.com (877) Dental PPO and HMO MetLife mybenefits (888) Dental HMO Cigna (800) Vision EyeMed Vision Care (866) Flexible Spending Accounts (Healthcare and Dependent Day Care) Benefit Strategies (888) Life Insurance and AD&D Aetna mytrugreen.com (888) Disability STD and LTD Aetna mytrugreen.com (888) Legal Services Hyatt Legal Services (800) TruGreen LifeManagement Program (EAP) Quit For Life Tobacco Cessation Magellan Health Services member (800) American Cancer Society (866) (k) Plan Wells Fargo (800) For general benefits information, go to the mytgbenefits website at mytrugreen.com. Click on mytghr in the top menu, then choose Health Benefits. Or, you may call mytgbenefits at (844) The mytgbenefits website can also be accessed directly by going to compass.empyreanbenefits.com/trugreen TRUGREEN BENEFITS GUIDE

21 TruGreen Limited Partnership Health Plan Notices TABLE OF CONTENTS 1. Medicare Part D Creditable Coverage Notice 2. Medicare Part D Non-Creditable Coverage Notice 3. HIPAA Comprehensive Notice of Privacy Policy and Procedures 4. Notice of Special Enrollment Rights 5. Women s Health and Cancer Rights Notice 6. Premium Assistance Under Medicaid and the Children s Health Insurance Program (CHIP) MEDICARE PART D CREDITABLE COVERAGE NOTICE IMPORTANT NOTICE This packet of notices related to our health care plan includes a notice regarding how the plan s $1,000 PPO and $2,500 PPO prescription drug coverage compares to Medicare Part D. If you or a covered family member is also enrolled in Medicare Parts A or B, but not Part D, you should read the Medicare Part D notice carefully. It is titled, Important Notice From TruGreen Limited Partnership About Your Prescription Drug Coverage and Medicare. IMPORTANT NOTICE FROM TRUGREEN LIMITED PARTNERSHIP ABOUT YOUR PRESCRIPTION DRUG COVERAGE AND MEDICARE Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with TruGreen Limited Partnership and about your options under Medicare s prescription drug coverage. This information can help you decide whether you want to join a Medicare drug plan. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice. If neither you nor any of your covered dependents are eligible for or have Medicare, this notice does not apply to you or your dependents, as the case may be. However, you should still keep a copy of this notice in the event you or a dependent should qualify for coverage under Medicare in the future. Please note, however, that later notices might supersede this notice. 1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium. 2. TruGreen Limited Partnership has determined that the prescription drug coverage offered by the TruGreen Limited Partnership Employee Health Care Plan ( Plan ) is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is considered creditable prescription drug coverage. This is important for the reasons described below. Because your existing coverage is, on average, at least as good as standard Medicare prescription drug coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to enroll in a Medicare drug plan, as long as you later enroll within specific time periods. Enrolling in Medicare General Rules As some background, you can join a Medicare drug plan when you first become eligible for Medicare. If you qualify for Medicare due to age, you may enroll in a Medicare drug plan during a seven-month initial enrollment period. That period begins three months prior to your 65th birthday, includes the month you turn 65, and continues for the ensuing three months. If you qualify for Medicare due to disability or end- stage renal disease, your initial Medicare Part D enrollment period depends on the date your disability or treatment began. For more information you should contact Medicare at the telephone number or web address listed below. Late Enrollment and the Late Enrollment Penalty If you decide to wait to enroll in a Medicare drug plan you may enroll later, during Medicare Part D s annual enrollment period, which runs each year from October 15 through December 7. But as a general rule, if you delay your enrollment in Medicare Part D, after first becoming eligible to enroll, you may have to pay a higher premium (a penalty). If after your initial Medicare Part D enrollment period you go 63 continuous days or longer without creditable prescription drug coverage (that is, prescription drug coverage that s at least as good as Medicare s prescription drug coverage), your monthly Part D premium may go up by at least 1 percent of the premium you would have paid had you enrolled timely, for every month that you did not have creditable coverage. For example, if after your Medicare Part D initial enrollment period you go 19 months without coverage, your premium may be at least 19% higher than the premium you otherwise would have paid. You may have to pay this higher premium for as long as you have Medicare prescription drug coverage. However, there are some important exceptions to the late enrollment penalty. Special Enrollment Period Exceptions to the Late Enrollment Penalty There are special enrollment periods that allow you to add Medicare Part D coverage months or even years after you first became eligible to do so, without a penalty. For example, if after your Medicare Part D initial enrollment period you lose or decide to leave employer-sponsored or union-sponsored health coverage that includes creditable prescription drug coverage, you will be eligible to join a Medicare drug plan at that time. In addition, if you otherwise lose other creditable prescription drug coverage (such as under an individual policy) through no fault of your own, you will be able to join a Medicare drug plan, again without penalty. These special enrollment periods end two months after the month in which your other coverage ends. Compare Coverage You should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. See the TruGreen Limited Partnership Plan s summary plan description for a summary of the Plan s prescription drug coverage. If you don t have a copy, you can get one by contacting us at the telephone number or address listed below. Coordinating Other Coverage With Medicare Part D Generally speaking, if you decide to join a Medicare drug plan while covered under the TruGreen Limited Partnership Plan due to your employment (or someone else s employment, such as a spouse or parent), your coverage under the TruGreen Limited Partnership Plan will not be affected. For most persons covered under the Plan, the Plan will pay prescription drug benefits first, and Medicare will determine its payments second. For more information about this issue of what program pays first and what program pays second, see the Plan s summary plan description or contact Medicare at the telephone number or web address listed below. If you do decide to join a Medicare drug plan and drop your TruGreen Limited Partnership prescription drug coverage, be aware that you and your dependents may not be able to get this coverage back. To regain coverage you would have to re-enroll in the Plan, pursuant to the Plan s eligibility and enrollment rules. You should review the Plan s summary plan description to determine if and when you are allowed to add coverage. For More Information About This Notice or Your Current Prescription Drug Coverage Contact the person listed below for further information, or call (901) NOTE: You ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through TruGreen Limited Partnership changes. You also may request a copy. For More Information About Your Options Under Medicare Prescription Drug Coverage More detailed information about Medicare plans that offer prescription drug coverage is in the Medicare & You handbook. You ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage: Visit Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the Medicare & You handbook for their telephone number) for personalized help, Call MEDICARE ( ). TTY users should call If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at or call them at (TTY ). Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and whether or not you are required to pay a higher premium (a penalty). Date: October 3, 2017 Name of Entity/Sender: Lisa Miller Contact Position/Office: Manager - Employee Benefits Address: 1790 Kirby Parkway, Forum II, Suite 300 Memphis, TN Phone Number: (901) Nothing in this notice gives you or your dependents a right to coverage under the Plan. Your (or your dependents ) right to coverage under the Plan is determined solely under the terms of the Plan. MEDICARE PART D NON-CREDITABLE COVERAGE NOTICE IMPORTANT NOTICE This packet of notices related to our health care plan includes a notice regarding how the plan s $3,000 Basic CDHP prescription drug coverage compares to Medicare Part D. If you or a covered family member is also enrolled in Medicare Parts A or B, but not Part D, you should read the Medicare Part D notice carefully. It is titled, Important Notice From TruGreen Limited Partnership About Your Prescription Drug Coverage and Medicare TRUGREEN BENEFITS GUIDE 21

22 IMPORTANT NOTICE FROM TRUGREEN LIMITED PARTNERSHIP ABOUT YOUR PRESCRIPTION DRUG COVERAGE AND MEDICARE Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with TruGreen Limited Partnership and about your options under Medicare s prescription drug coverage. This information can help you decide whether you want to join a Medicare drug plan. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice. If neither you nor any of your covered dependents are eligible for or have Medicare, this notice does not apply to you or your dependents, as the case may be. However, you should still keep a copy of this notice in the event you or a dependent should qualify for coverage under Medicare in the future. Please note, however, that later notices might supersede this notice. 1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare prescription drug plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium. 2. TruGreen Limited Partnership has determined that the prescription drug coverage offered by the TruGreen Limited Partnership Employee Health Care Plan ( Plan ) is, on average for all plan participants, NOT expected to pay out as much as standard Medicare prescription drug coverage pays, and is considered non-creditable coverage. This is important, because most likely, you will get more help with your drug costs if you join a Medicare drug plan than if you only have prescription drug coverage from the Plan. It s also important because if you delay your enrollment in a Medicare drug plan you may have to pay a late enrollment penalty later, when you do enroll in a Medicare drug plan. See the discussion below about late enrollment penalties that might apply when you move from non-creditable coverage to a Medicare drug plan after your first opportunity to do so. 3. You have decisions to make about Medicare prescription drug coverage that may affect how much you pay for that coverage, depending on if and when you join. Read this notice carefully it explains your options. Consider joining a Medicare drug plan. You can keep your coverage from TruGreen Limited Partnership. You can keep the coverage regardless of whether it is creditable or non-creditable, that is, regardless of whether it is as good as a Medicare drug plan. However, because your existing coverage is non-creditable coverage, meaning that on average it s NOT at least as good as standard Medicare prescription drug coverage, you may pay a higher premium (a penalty) if you later decide to join a Medicare drug plan. Enrolling in Medicare General Rules As some background, you can join a Medicare drug plan when you first become eligible for Medicare. If you qualify for Medicare due to age, you may enroll in a Medicare drug plan during a 7-month initial enrollment period. That period begins three months prior to your 65 birthday, includes the month you turn 65, and continues for the ensuing three months. If you qualify for Medicare due to disability or end-stage renal disease, your initial Medicare Part D enrollment period depends on the date your disability or treatment began. For more information, you should contact Medicare at the telephone number or web address listed below. Late Enrollment and the Late Enrollment Penalty If you decide to wait to enroll in a Medicare drug plan you may enroll later, during Medicare Part D s annual enrollment period, which runs each year from October 15 through December 7. But as a general rule, if you delay your enrollment in a Medicare drug plan after first becoming eligible to enroll, you may have to pay a higher premium when you later enroll in a Medicare drug plan TRUGREEN BENEFITS GUIDE If after your initial Medicare Part D enrollment period you go 63 continuous days or longer without creditable prescription drug coverage (that is, prescription drug coverage that s at least as good as Medicare s prescription drug coverage), your monthly Part D premium may go up by at least 1% of the premium you would have paid had you enrolled timely, for every month that you did not have creditable coverage after your initial enrollment period. For example, if you do not enroll in a Medicare drug plan during your Medicare Part D initial enrollment period, and you then go 19 months without creditable prescription drug coverage before enrolling in a Medicare drug plan, your Medicare drug plan premium may be at least 19 percent higher than the premium you otherwise would have paid. You may have to pay this higher premium for as long as you have Medicare prescription drug coverage. Please note again that TruGreen Limited Partnership has determined the prescription drug coverage you currently have through its plan is NOT creditable coverage. This means that if you do not enroll in a Medicare drug plan during your initial enrollment period, and don t have or acquire creditable prescription drug coverage during the ensuing 63 days, you will pay a late enrollment penalty when you ultimately enroll in a Medicare drug plan. Special Enrollment Periods and Exceptions to the Late Enrollment Penalty There are special enrollment periods that allow you to enroll in a Medicare drug plan months or even years after you first became eligible to do so. Whether you will be required to pay a late enrollment penalty when you enroll in a Medicare drug plan during a special enrollment period depends on whether you are moving to a Medicare drug plan from creditable or non-creditable prescription drug coverage. If after your Medicare Part D initial enrollment period you lose or decide to leave employer-sponsored or unionsponsored prescription drug coverage, you will be eligible to enroll in a Medicare drug plan during a 2-month special enrollment period. If your employer- or union-sponsored prescription drug coverage was creditable coverage, your enrollment in a Medicare drug plan will be without penalty (assuming you did not have a 63-consecutiveday or longer break in creditable coverage after your Medicare Part D initial enrollment period). On the other hand, if the coverage was non-creditable your enrollment in the Medicare drug plan will be subject to a late enrollment penalty unless you had non-creditable coverage for fewer than 63 consecutive days after your Medicare Part D initial enrollment period. In addition, if through no fault of your own you otherwise lose creditable prescription drug coverage (e.g., your employer- or union-sponsored plan s coverage changes from creditable to non-creditable, or you lose creditable prescription drug coverage under an individual policy), you will be able to join a Medicare drug plan without penalty. This special enrollment period ends two months after the month in which your other coverage ends. Please note again that TruGreen Limited Partnership has determined the prescription drug coverage you currently have through its plan is NOT creditable coverage. This means when you lose or decide to leave coverage under the TruGreen Limited Partnership health plan after your initial Medicare Part D enrollment period you will pay a late enrollment penalty when you ultimately enroll in a Medicare drug plan. Compare Coverage You should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. See the TruGreen Limited Partnership Plan s summary plan description for a summary of its prescription drug coverage. If you don t have a copy of the summary plan description, you can get one by contacting us at the telephone number or address listed below. Coordinating Other Coverage With Medicare Part D Generally speaking, if you decide to join a Medicare drug plan while covered under the TruGreen Limited Partnership Plan due to your employment (or someone else s employment, such as a spouse or parent) your coverage under the TruGreen Limited Partnership Plan will not be affected. For most persons covered under the Plan, the Plan will pay prescription drug benefits first, and Medicare will determine its payments second. For more information about this issue of what program pays first and what program pays second, see the Plan s summary plan description or contact Medicare at the telephone number or web address listed below. If you do decide to join a Medicare drug plan and drop your TruGreen Limited Partnership prescription drug coverage, be aware that you and your dependents may not be able to get this coverage back. To regain coverage you would have to re-enroll in the Plan, pursuant to the Plan s eligibility and enrollment rules. You should review the Plan s summary plan description to determine if and when you are allowed to re-enroll or add coverage. For More Information About This Notice or Your Current Prescription Drug Coverage Contact the person listed below for further information, or call (901) NOTE: You ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through TruGreen Limited Partnership changes. You also may request a copy. For More Information About Your Options Under Medicare Prescription Drug Coverage More detailed information about Medicare plans that offer prescription drug coverage is in the Medicare & You handbook. You ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage: Visit Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the Medicare & You handbook for their telephone number) for personalized help. Call MEDICARE ( ). TTY users should call If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at or call them at (TTY ). Date: October 3, 2017 Name of Entity/Sender: Lisa Miller Contact Position/Office: Manager - Employee Benefits Address: 1790 Kirby Parkway, Forum II, Suite 300 Memphis, TN Phone Number: (901) Nothing in this notice gives you or your dependents a right to coverage under the Plan. Your (or your dependents ) right to coverage under the Plan is determined solely under the terms of the Plan. HIPAA COMPREHENSIVE NOTICE OF PRIVACY POLICY AND PROCEDURES TRUGREEN LIMITED PARTNERSHIP IMPORTANT NOTICE COMPREHENSIVE NOTICE OF PRIVACY POLICY AND PROCEDURES THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY. This notice is provided to you on behalf of: TruGreen Health and Welfare Benefit Plan* * This notice pertains only to healthcare coverage provided under the plan. The Plan s Duty to Safeguard Your Protected Health Information Individually identifiable information about your past, present, or future health or condition, the provision of health care to you, or payment for the health care is considered Protected Health Information ( PHI ). The Plan is required to extend certain protections to your PHI,

23 and to give you this notice about its privacy practices that explains how, when, and why the Plan may use or disclose your PHI. Except in specified circumstances, the Plan may use or disclose only the minimum necessary PHI to accomplish the purpose of the use or disclosure. The Plan is required to follow the privacy practices described in this notice, though it reserves the right to change those practices and the terms of this notice at any time. If it does so, and the change is material, you will receive a revised version of this Notice either by hand delivery, mail delivery to your last known address, or some other fashion. This notice, and any material revisions of it, will also be provided to you in writing upon your request (ask your Human Resources representative, or contact the Plan s Privacy Official, described below), and will be posted on any website maintained by TruGreen Limited Partnership that describes benefits available to employees and dependents. You may also receive one or more other privacy notices from insurance companies that provide benefits under the Plan. Those notices will describe how the insurance companies use and disclose PHI and your rights with respect to the PHI they maintain. How the Plan May Use and Disclose Your Protected Health Information The Plan uses and discloses PHI for a variety of reasons. For its routine uses and disclosures it does not require your authorization, but for other uses and disclosures, your authorization (or the authorization of your personal representative (e.g., a person who is your custodian, guardian, or has your power-of-attorney) may be required. The following offers more description and examples of the Plan s uses and disclosures of your PHI. Uses and Disclosures Relating to Treatment, Payment, or Health Care Operations. Treatment: Generally, and as you would expect, the Plan is permitted to disclose your PHI for purposes of your medical treatment. Thus, it may disclose your PHI to doctors, nurses, hospitals, emergency medical technicians, pharmacists, and other health care professionals where the disclosure is for your medical treatment. For example, if you are injured in an accident, and it s important for your treatment team to know your blood type, the Plan could disclose that PHI to the team in order to allow it to more effectively provide treatment to you. Payment: Of course, the Plan s most important function, as far as you are concerned, is that it pays for all or some of the medical care you receive (provided the care is covered by the Plan). In the course of its payment operations, the Plan receives a substantial amount of PHI about you. For example, doctors, hospitals, and pharmacies that provide you care send the Plan detailed information about the care they provided, so that they can be paid for their services. The Plan may also share your PHI with other plans in certain cases. For example, if you are covered by more than one health care plan (e.g., covered by this Plan and your spouse s plan or covered by the plans covering your father and mother), we may share your PHI with the other plans to coordinate payment of your claims. Health care Operations: The Plan may use and disclose your PHI in the course of its health care operations. For example, it may use your PHI in evaluating the quality of services you received or disclose your PHI to an accountant or attorney for audit purposes. In some cases, the Plan may disclose your PHI to insurance companies for purposes of obtaining various insurance coverages. However, the Plan will not disclose, for underwriting purposes, PHI that is genetic information. Other Uses and Disclosures of Your PHI Not Requiring Authorization. The law provides that the Plan may use and disclose your PHI without authorization in the following circumstances: To the Plan Sponsor: The Plan may disclose PHI to the employers (such as TruGreen Limited Partnership) who sponsor or maintain the Plan for the benefit of employees and dependents. However, the PHI may only be used for limited purposes, and may not be used for purposes of employment-related actions or decisions or in connection with any other benefit or employee benefit plan of the employers. PHI may be disclosed to: the human resources or employee benefits department for purposes of enrollments and disenrollments, census, claim resolutions, and other matters related to Plan administration; payroll department for purposes of ensuring appropriate payroll deductions and other payments by covered persons for their coverage; information technology department, as needed for preparation of data compilations and reports related to Plan administration; finance department for purposes of reconciling appropriate payments of premium to and benefits from the Plan, and other matters related to Plan administration; internal legal counsel to assist with resolution of claim, coverage, and other disputes related to the Plan s provision of benefits. To the Plan s Service Providers: The Plan may disclose PHI to its service providers ( business associates ) who perform claim payment and plan management services. The Plan requires a written contract that obligates the business associate to safeguard and limit the use of PHI. Required by Law: The Plan may disclose PHI when a law requires that it report information about suspected abuse, neglect, or domestic violence, or relating to suspected criminal activity, or in response to a court order. It must also disclose PHI to authorities that monitor compliance with these privacy requirements. For Public Health Activities: The Plan may disclose PHI when required to collect information about disease or injury, or to report vital statistics to the public health authority. For Health Oversight Activities: The Plan may disclose PHI to agencies or departments responsible for monitoring the health care system for such purposes as reporting or investigation of unusual incidents. Relating to Decedents: The Plan may disclose PHI relating to an individual s death to coroners, medical examiners, or funeral directors, and to organ procurement organizations relating to organ, eye, or tissue donations or transplants. For Research Purposes: In certain circumstances, and under strict supervision of a privacy board, the Plan may disclose PHI to assist medical and psychiatric research. To Avert Threat to Health or Safety: In order to avoid a serious threat to health or safety, the Plan may disclose PHI as necessary to law enforcement or other persons who can reasonably prevent or lessen the threat of harm. For Specific Government Functions: The Plan may disclose PHI of military personnel and veterans in certain situations, to correctional facilities in certain situations, to government programs relating to eligibility and enrollment, and for national security reasons. Uses and Disclosures Requiring Authorization: For uses and disclosures beyond treatment, payment, and operations purposes, and for reasons not included in one of the exceptions described above, the Plan is required to have your written authorization. For example, uses and disclosures of psychotherapy notes, uses and disclosures of PHI for marketing purposes, and disclosures that constitute a sale of PHI would require your authorization. Your authorization can be revoked at any time to stop future uses and disclosures, except to the extent that the Plan has already undertaken an action in reliance upon your authorization. Uses and Disclosures Requiring You to Have an Opportunity to Object: The Plan may share PHI with your family, friend, or other person involved in your care, or payment for your care. We may also share PHI with these people to notify them about your location, general condition, or death. However, the Plan may disclose your PHI only if it informs you about the disclosure in advance and you do not object (but if there is an emergency situation and you cannot be given your opportunity to object, disclosure may be made if it is consistent with any prior expressed wishes and disclosure is determined to be in your best interests; you must be informed and given an opportunity to object to further disclosure as soon as you are able to do so). Your Rights Regarding Your Protected Health Information You have the following rights relating to your protected health information: To Request Restrictions on Uses and Disclosures: You have the right to ask that the Plan limit how it uses or discloses your PHI. The Plan will consider your request, but is not legally bound to agree to the restriction. To the extent that it agrees to any restrictions on its use or disclosure of your PHI, it will put the agreement in writing and abide by it except in emergency situations. The Plan cannot agree to limit uses or disclosures that are required by law. To Choose How the Plan Contacts You: You have the right to ask that the Plan send you information at an alternative address or by an alternative means. To request confidential communications, you must make your request in writing to the Privacy Official. We will not ask you the reason for your request. Your request must specify how or where you wish to be contacted. The Plan must agree to your request as long as it is reasonably easy for it to accommodate the request. To Inspect and Copy Your PHI: Unless your access is restricted for clear and documented treatment reasons, you have a right to see your PHI in the possession of the Plan or its vendors if you put your request in writing. The Plan, or someone on behalf of the Plan, will respond to your request, normally within 30 days. If your request is denied, you will receive written reasons for the denial and an explanation of any right to have the denial reviewed. If you want copies of your PHI, a charge for copying may be imposed but may be waived, depending on your circumstances. You have a right to choose what portions of your information you want copied and to receive, upon request, prior information on the cost of copying. To Request Amendment of Your PHI: If you believe that there is a mistake or missing information in a record of your PHI held by the Plan or one of its vendors you may request in writing that the record be corrected or supplemented. The Plan or someone on its behalf will respond, normally within 60 days of receiving your request. The Plan may deny the request if it is determined that the PHI is: (i) correct and complete; (ii) not created by the Plan or its vendor and/or not part of the Plan s or vendor s records; or (iii) not permitted to be disclosed. Any denial will state the reasons for denial and explain your rights to have the request and denial, along with any statement in response that you provide, appended to your PHI. If the request for amendment is approved, the Plan or vendor, as the case may be, will change the PHI and so inform you, and tell others that need to know about the change in the PHI. To Find Out What Disclosures Have Been Made: You have a right to get a list of when, to whom, for what purpose, and what portion of your PHI has been released by the Plan and its vendors, other than instances of disclosure for which you gave authorization, or instances where the disclosure was made to you or your family. In addition, the disclosure list will not include disclosures for treatment, payment, or health care operations. The list also will not include any disclosures made for national security purposes, to law enforcement officials or correctional facilities, or before the date the federal privacy rules applied to the Plan. You will normally receive a response to your written request for such a list within 60 days after you make the request in writing. Your request can relate to disclosures going as far back as six years. There will be no charge for up to one such list each year. There may be a charge for more frequent requests TRUGREEN BENEFITS GUIDE 23

24 How to Complain About the Plan s Privacy Practices must request enrollment within 30 days after your or your dependent s(s ) other coverage ends (or after the employer If you think the Plan or one of its vendors may have that sponsors that coverage stops contributing toward the violated your privacy rights, or if you disagree with a coverage). decision made by the Plan or a vendor about access to your PHI, you may file a complaint with the person listed in the section immediately below. You also may file a written complaint with the Secretary of the U.S. Department of Health and Human Services. The law does not permit anyone to take retaliatory action against you if you make such complaints. Notification of a Privacy Breach Any individual whose unsecured PHI has been, or is reasonably believed to have been used, accessed, If the event giving rise to your special enrollment right is a loss of coverage under Medicaid or CHIP, you may request enrollment under this plan within 60 days of the date you or your dependent(s) lose such coverage under Medicaid or CHIP. Similarly, if you or your dependent(s) become eligible for a state-granted premium subsidy toward this plan, you may request enrollment under this plan within 60 days after the date Medicaid or CHIP determine that you or the dependent(s) qualify for the subsidy. acquired or disclosed in an unauthorized manner will In addition, if you have a new dependent as a result of receive written notification from the Plan within 60 days of marriage, birth, adoption, or placement for adoption, the discovery of the breach. you may be able to enroll yourself and your dependents. If the breach involves 500 or more residents of a state, the Plan will notify prominent media outlets in the state. The However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption. Plan will maintain a log of security breaches and will report To request special enrollment or obtain more information, this information to HHS on an annual basis. Immediate contact: reporting from the Plan to HHS is required if a security breach involves 500 or more people. Lisa Miller Manager - Employee Benefits Contact Person for Information, or to Submit a (901) Complaint * This notice is relevant for healthcare coverages If you have questions about this notice please contact subject to the HIPAA portability rules. the Plan s Privacy Official or Deputy Privacy Official(s) (see below). If you have any complaints about the Plan s privacy practices, handling of your PHI, or breach notification process, please contact the Privacy Official or an authorized Deputy Privacy Official. WOMEN S HEALTH AND CANCER RIGHTS NOTICE TruGreen Limited Partnership Employee Health Care Plan is required by law to provide you with the following notice: Privacy Official The Women s Health and Cancer Rights Act of 1998 The Plan s Privacy Official, the person responsible for ( WHCRA ) provides certain protections for individuals ensuring compliance with this notice, is: receiving mastectomy-related benefits. Coverage will be Lisa Miller Manager - Employee Benefits (901) The Plan s Deputy Privacy Official(s) is/are: Lisa Miller Manager - Employee Benefits (901) Effective Date The effective date of this notice is: October 3, provided in a manner determined in consultation with the attending physician and the patient for: All stages of reconstruction of the breast on which the mastectomy was performed; Surgery and reconstruction of the other breast to produce a symmetrical appearance; Prostheses; and Treatment of physical complications of the mastectomy, including lymphedemas. NOTICE OF SPECIAL ENROLLMENT RIGHTS The TruGreen Limited Partnership Employee Health Care Plan provide(s) medical coverage for mastectomies and TRUGREEN LIMITED PARTNERSHIP EMPLOYEE HEALTH CARE PLAN NOTICE OF SPECIAL ENROLLMENT RIGHTS If you are declining enrollment for yourself or your the related procedures listed above, subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this plan. Therefore, the following deductibles and coinsurance apply: dependents (including your spouse) because of other Regular PPO In-Network Out-of-Network health insurance or group health plan coverage, you may be able to later enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents other coverage). Individual Deductible Family Deductible Coinsurance $2,500 $5,000 70% $5,000 $10,000 50% Loss of eligibility includes but is not limited to: Super PPO In-Network Out-of-Network Loss of eligibility for coverage as a result of ceasing to meet the plan s eligibility requirements (e.g., divorce, cessation of dependent status, death of an employee, termination of employment, reduction in the number of Individual Deductible Family Deductible Coinsurance $1,000 $2,000 80% $2,000 $4,000 50% hours of employment); Loss of HMO coverage because the person no longer Basic CDHP In-Network Out-of-Network resides or works in the HMO service area and no other coverage option is available through the HMO plan sponsor; Individual Deductible Family Deductible $3,000 $6,000 $6,000 $12,000 Coinsurance 70% 50% Elimination of the coverage option a person was enrolled in, and another option is not offered in its place; Failing to return from an FMLA leave of absence; and Loss of eligibility under Medicaid or the Children s Health Insurance Program (CHIP). Unless the event giving rise to your special enrollment right is a loss of eligibility under Medicaid or CHIP, you TRUGREEN BENEFITS GUIDE If you would like more information on WHCRA benefits, please refer to your Summary Plan Description or contact your Plan Administrator at: Lisa Miller Manager - Employee Benefits (901) Premium Assistance Under Medicaid and the Children s Health Insurance Program (CHIP) If you or your children are eligible for Medicaid or CHIP and you re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren t eligible for Medicaid or CHIP, you won t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available. If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial KIDS NOW or to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employersponsored plan. If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren t already enrolled. This is called a special enrollment opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at or call EBSA (3272). If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of August 10, Contact your State for more information on eligibility ALABAMA Medicaid myalhipp.com ALASKA Medicaid The AK Health Insurance Premium Payment Program myakhipp.com Customer Service@MyAKHIPP.com Medicaid Eligibility: dhss.alaska.gov/dpa/pages/ medicaid/default.aspx ARKANSAS Medicaid myarhipp.com MyARHIPP ( ) COLORADO Medicaid FLORIDA Medicaid flmedicaidtplrecovery.com/hipp GEORGIA Medicaid dch.georgia.gov/medicaid Click on Health Insurance Premium Payment (HIPP) INDIANA Medicaid Healthy Indiana Plan for low-income adults All other Medicaid IOWA Medicaid KANSAS Medicaid

25 KENTUCKY Medicaid chfs.ky.gov/dms/default.htm LOUISIANA Medicaid dhh.louisiana.gov/index.cfm/subhome/1/n/ MAINE Medicaid TTY: Maine relay 711 MASSACHUSETTS Medicaid and CHIP MINNESOTA Medicaid mn.gov/dhs/ma MISSOURI Medicaid MONTANA Medicaid dphhs.mt.gov/montanahealthcareprograms/hipp NEBRASKA Medicaid dhhs.ne.gov/children_family_services/ AccessNebraska/Pages/accessnebraska_index.aspx NEVADA Medicaid dwss.nv.gov NEW HAMPSHIRE Medicaid NEW JERSEY Medicaid and CHIP Medicaid: dmahs/clients/medicaid CHIP: NEW YORK Medicaid NORTH CAROLINA Medicaid NORTH DAKOTA Medicaid OKLAHOMA Medicaid and CHIP OREGON Medicaid healthcare.oregon.gov/pages/index.aspx PENNSYLVANIA Medicaid RHODE ISLAND Medicaid SOUTH CAROLINA Medicaid SOUTH DAKOTA Medicaid dss.sd.gov TEXAS Medicaid gethipptexas.com UTAH Medicaid and CHIP Medicaid: health.utah.gov/medicaid CHIP: health.utah.gov/chip VERMONT Medicaid VIRGINIA Medicaid and CHIP Medicaid: assistance.cfm CHIP: assistance.cfm WASHINGTON Medicaid aspx ext WEST VIRGINIA Medicaid Pages/default.aspx , HMS Third Party Liability WISCONSIN Medicaid and CHIP WYOMING Medicaid wyequalitycare.acs-inc.com To see if any other states have added a premium assistance program since July 31, 2016, or for more information on special enrollment rights, contact either: U.S. Department of Labor Employee Benefits Security Administration EBSA (3272) U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services , Menu Option 4, Ext Paperwork Reduction Act Statement According to the Paperwork Reduction Act of 1995 (Pub. L ) (PRA), no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA, and displays a currently valid OMB control number, and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number. See 44 U.S.C Also, notwithstanding any other provisions of law, no person shall be subject to penalty for failing to comply with a collection of information if the collection of information does not display a currently valid OMB control number. See 44 U.S.C The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent. Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor, Employee Benefits Security Administration, Office of Policy and Research, Attention: PRA Clearance Officer, 200 Constitution Avenue, N.W., Room N-5718, Washington, DC or ebsa.opr@dol.gov and reference the OMB Control Number This brochure is intended primarily for TruGreen associates and their family members who are eligible for the TruGreen benefits program and provides only certain highlights of benefits provisions. Eligibility for specific benefits and resources may vary depending on an associate s work status or job location. This information does not constitute an expressed or implied contract or offer of employment. This brochure and its contents are provided as is. Even though some of the material in this brochure is based on official plan documents, this brochure is not intended to be a complete explanation of benefits. While we ve made every attempt to ensure that the information contained in this brochure is complete and accurate, we make no representation or warranty of any kind with respect to the brochure and the information provided herein. In the unlikely event of an inconsistency between the material in this brochure and the Summary Plan Descriptions, the official plan documents will govern. TruGreen reserves the right to change or terminate the plan or specific provisions of the plan at any time without notice. The plan may provide different benefits to different associate groups, such as in other locations The TruGreen Companies LLC. All rights reserved. Third-party copyrights, trademarks, service marks, logos and trade names that may appear in this brochure are the property of their respective owners TRUGREEN BENEFITS GUIDE 25

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