PRESENTATION FOR GROUP 2 EMPLOYEES OCTOBER 2016 SYKES 2017 BENEFITS ANNUAL ENROLLMENT

PRESENTATION FOR GROUP 2 EMPLOYEES OCTOBER 2016 SYKES 2017 BENEFITS ANNUAL ENROLLMENT

WHAT THIS PRESENTATION COVERS Eligibility What s New for 2017 When and How to Enroll Medical Plans Dental Plan Vision Plan Spending & Savings Accounts Voluntary Insurance Employee Assistance Plan (EAP) Saving Money Benefits Resources 2

ELIGIBILITY Employees who regularly work at least 30 hours per week Your spouse and dependent children Your domestic partner and his/her dependent children All benefits except life insurance Note: If you regularly work fewer than 30 hours per week, you may be still eligible for the Transamerica medical plans and some Aflac options. 3

WHAT S NEW No change in plan premiums Your costs stay the same: No rate/premium changes this year! Plus, with the new $4,500 deductible plan option, you ll even save money on premiums! 4

WHAT S NEW Annual Enrollment: 10/13 10/27 Plan designs are similar to last year, with some new offerings This year is an active benefits enrollment for the 2017 plan year for: Medical Dental Vision Spending Accounts There is a new $4,500 deductible medical plan. In order to enroll or re-enroll, check premiums, or make changes, you ll need to take the steps as noted in this presentation and in the enrollment materials. Help needed? Licensed Benefits Counselors are a few clicks or a phone call away 5

WHAT S NEW Telemedicine is now available for BCBS and UHC medical plans. Telemedicine is available for all BCBS and UHC medical plans. This is new for Blue Cross Blue Shield Plans for 2017. Low on time and money for a doctor s visit? Talk to a live doctor or nurse by phone with the new Telemedicine feature offered in our 2017 BCBS and UHC medical plans. Get medical advice, prescriptions, and more while saving an average of $60 per doctor s visit*. * Depending on plan type 6

WHAT S NEW Single Sign-On: One less password to remember Employees will now log into Mercer Marketplace with their SYKES NT/network username and password at: SYKESBenefits.sykes.com (Just like Employee Self-Service and other SYKES websites!) 7

WHEN TO ENROLL You must enroll either during the Annual Enrollment period (Oct. 13 Oct. 27), or if you are a new hire, during your benefits eligibility waiting period. Coverage takes effect: January 1 st for Annual Enrollment New hires become effective the first of the month after 60 days from the end of your 30-day Orientation Period, but in no case longer than 120 days from your hire date. Password Help: See next slide 8

HOW TO ENROLL ONLINE SINGLE SIGN-ON INSTRUCTIONS With single sign-on, you are now able to log on to the Mercer Marketplace using your SYKES NT/network username and password at: sykesbenefits.sykes.com What if I lock out my SYKES NT Network password? If you attempt to log in too many times with the wrong password and get locked out, you can: Option 1: Wait 30 minutes for the password to unlock. Option 2: Contact the SYKES SDC helpdesk at 1-888-556-0450. What should I do if I still can t get logged in? Call Mercer Marketplace at 1-855-543-4322. A licensed Benefits Counselor will log your issue and take your enrollment via phone. You can make changes to your benefit elections until the enrollment period ends. 9

QUALITY BENEFIT OPTIONS HAVE YOU COVERED Medical & Pharmacy Discounts (Perkspot) Dental Supplemental (Voluntary Benefits) Vision 10

MEDICAL PLAN OPTIONS More Flexibility with Several Medical Choices for Group 2 Several medical plan options for Group 2 employees: 1. Low Limited Benefit Medical Plan 2. Medium Limited Benefit Medical Plan 3. High Deductible Health Plans (HDHPs) $2,500 Deductible Plan with Health Savings Account (HSA) New: $4,500 Deductible Plan with Health Savings Account (HSA) All plan options satisfy your obligation to have medical insurance as mandated by the Affordable Care Act. 11 All plan documents and Summary Plan Descriptions govern.

HDHP MEDICAL PLANS Two HDHP options: 1. $2,500 deductible plan with optional Health Savings Account - Pharmacy benefits through OptumRx 2. $4,500 deductible plan with optional Health Savings Account - Pharmacy benefits through OptumRx NEW FOR 2017! Please visit sykes.com/usbenefits/ for a helpful video on understanding HDHPs. - Google Chrome Browser is best for viewing. What s the same between the plans? All plans satisfy your obligation under Healthcare Reform to have coverage All plans cover essential benefits (preventive services) at 100% in-network Both plans can be paired with optional Health Savings Accounts (HSAs) What s different between the plans? What you pay for covered services differs from plan to plan Please consult the 2017 Benefit Guide for full details on plan details and cost. Or, you may also call a licensed Mercer Marketplace Benefits Counselor at 1-855-543-4322 with questions. All plan documents and Summary Plan Descriptions govern.

SUPPLEMENTAL MEDICAL INSURANCE Supplemental medical insurance (such as Accident, Critical Illness, or Hospital Indemnity) protects you from expenses not covered by your medical plan. In fact, you may be able to save money by adding a supplemental plan to a lower cost medical plan. Supplemental plans are available in most, but not all states. Coverage is available for you and your dependents. On their own, supplemental plans do not provide the minimum level of coverage needed to meet ACA requirements. Employee Type Virtual employees Brick-and-mortar employees Resource Mercer Marketplace Local Aflac representative or call 1-877-504-8100

CONSIDER OTHER OPTIONS Depending on your: Household income Family size Medicaid could: Offer comprehensive coverage Cost less Keep you safe from any tax penalties Check to see if you qualify for Medicaid: Contact a licensed Mercer Marketplace Counselor at 1-855-543-4322 Go to healthcare.gov

PRESCRIPTION DRUGS $2,500 deductible $4,500 deductible Retail Prescriptions (Tiers 1, 2, and 3) Mail order prescriptions (Tiers 1, 2, and 3) 70% after deductible 70% after deductible The deductible is waived for some maintenance medications. Transamerica Plan: Very limited prescription drug reimbursement benefit.

DENTAL PLANS Administered by Delta Dental (www.deltadental.com) You pay a percentage of the cost for service You may see any dentist but a network dentist will save you money based on a negotiated rate Plan Feature Coverage Amount Standard Plan Basic Plan Maximum Benefit Per Calendar Year $1,500 $750 Individual/family deductible $50/$150 $50/$150 Preventive Plan pays 100% Plan pays 90% Basic Services Plan pays 80% Plan pays 70% Major Services Plan pays 50% Not covered Orthodontia services Not covered Not covered Orthodontia maximum lifetime (in-network and out-of-network) Not covered Not covered

VISION PLAN Vision plan administered by EyeMed Go to the EyeMed website to find a provider in your area (www.eyemedvisioncare.com) Standard Vision Plan Plan Feature In-Network Eye Exam (once/year) $10 copay Standard Lenses (once/year) $25 copay Contact Lens Fitting (once/year) Not to exceed $55 Frames (once/24 months) Up to $130; 20% discount off any amount over allowance Contact Lenses (in lieu of frames & lenses) (once/year) Up to $130

SPENDING & SAVINGS ACCOUNTS You can save money on your health care and dependent care costs through the use of tax-advantaged accounts that allow you to use before-tax dollars to pay for eligible expenses. Flexible Spending Account (FSA) Health Savings Account (HSA) For additional details, visit sykesbenefits.sykes.com Please visit sykes.com/usbenefits/ for a helpful video on the Health Savings Account. For a complete list of eligible expenses, visit www.irs.gov and see Publication 502.

TERM LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT AFLAC: PERMANENT LIFE Virtual employees can elect permanent life via the Mercer Marketplace website at sykesbenefits.sykes.com Brick-and-mortar agents should contact their local Aflac representative Evidence of Insurability (EOI) Evidence of Insurability may be required for enrollment into these plans; if so, you will be prompted for it during the enrollment process.

SHORT-TERM AND LONG-TERM DISABILITY Short-Term Disability (STD) Voluntary coverage that pays you a fixed dollar benefit while away from work for a short-term disability Virtual employees can elect STD insurance through the Mercer Marketplace at sykesbenefits.sykes.com Brick-and-mortar agents should contact their local Aflac representative Evidence of Insurability (EOI) Evidence of Insurability may be required for enrollment into these plans; if so, you will be prompted for it during the enrollment process. If you live in a state that requires your employer to offer short-term disability benefits, your disability will be coordinated between your employer and the state. This applies to employees in California, New York, New Jersey, Rhode Island, Hawaii and Puerto Rico.

OTHER SUPPLEMENTAL (VOLUNTARY) BENEFITS Aflac plans Transit Flexible Spending Account Legal Pet Insurance Health Advocate Perkspot (Employee Discounts) ID ID Theft Theft Please note: Not all benefits are effective January 1, 2017. Some benefits are not available in certain states.

THE EMPLOYEE ASSISTANCE (EAP) PROGRAM An employee assistance program (EAP) is a program designed to assist you in resolving personal problems (such as marital, financial or emotional problems; family issues; substance/alcohol abuse) that may be troubling you. No cost to you Confidential counseling service offered 24x7 through ComPsych https://www.guidanceresources.com/groweb/login/l ogin.xhtml 1-800-272-7255 Company Code: COM589 Referrals for help with personal issues Other services FamilySource FinancialConnect LegalConnect

SMART WAYS TO SAVE MONEY Here are two easy ways you can save money on healthcare expenses: In-network vs. out-of-network: Before you visit a doctor, dentist, provider, or facility, make sure that the person or facility is in-network, meaning he or she (or it) is part of your health plan. If you see an out-of-network provider, your costs will be higher. You can check on this by calling the provider s office, or by looking online. Usually, it s safest to call. Generic medications: Make sure that when you visit the pharmacy or call mail-order for your (or your family s prescriptions), you ask for the generic equivalent of the medication. Sometimes, however, generic will not be available. 23

GET ANSWERS TO YOUR BENEFITS QUESTIONS Online sykesbenefits.sykes.com Phone Support 1-855-543-4322 Monday through Friday 7 am to 10 pm EST Saturdays 10 am to 2 pm EST Additional Vendor Contact Information Located in the 2017 Benefits Guides 24