SDCRAA Active 2026 Benefits Guide

2026 BENEFITS GUIDE

If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your

Welcome to Your Benefits Guide

Whether you’re enrolling in benefits for the first time, nearing retirement, or somewhere in between, San Diego County Regional Airport Authority supports you with benefit programs and resources to help you thrive today and prepare for tomorrow. This guide provides an overview of your healthcare coverage, life, disability, retirement benefits, and more.

You’ll find tips to help you understand your medical coverage, save time and money on healthcare, reduce taxes, and balance your work and home life. Review the coverage and tools available to you to make the most of your benefits package.

The benefits in this summary are effective January 1, 2026, through December 31, 2026.

Who is Eligible?

You are eligible if you are a full-time employee working 30 or more hours per week. The following dependents are eligible for benefits:

 Legally married spouse

 Your domestic partner

 Natural, adopted or stepchildren, or children of a domestic partner up to age 26

 Children over age 26 who are disabled and depend on you for support

 Children named in a Qualified Medical Child Support Order (QMCSO)

Members who are NOT eligible for coverage include (but are not limited to):

 Parents, grandparents, and siblings

 Employees who work less than 30 hours per week, temporary employees not on the Airport Authority payroll, contract employees, or employees residing outside the United State

When you can enroll

New hire coverage begins on the first of the month following your date of hire. You must enroll within 30 days of becoming eligible.

The one time each year that you can make changes to your benefits for any reason. Open enrollment is generally held in October every year for a January 1 effective date.

A qualifying life event is a significant change in your life that allows you to make changes to your benefits outside of open enrollment. See the next page for more information.

Changing Your Benefits

Outside of open enrollment, you may be able to enroll or make changes to your benefit elections if you have a big change in your life, including:

 Change in legal marital status

 Change in number of dependents or dependent eligibility status

 Change in employment status that affects eligibility for you, your spouse, or dependent child(ren)

 Change in residence that affects access to network providers

 Change in your health coverage or your spouse’s coverage due to your spouse’s employment

 Change in an individual’s eligibility for Medicare or Medicaid

 Court order requiring coverage for your child

 “Special enrollment event” under the Health Insurance Portability and Accountability Act (HIPAA), including a new dependent by marriage, birth or adoption, or loss of coverage under another health insurance plan

 Event allowed under the Children’s Health Insurance Program (CHIP) Reauthorization Act (you have 60 days to request enrollment due to events allowed under CHIP)

Any change you make must be consistent with the change in status. All proper documentation is required to cover dependents (marriage certificates, birth certificates, etc.).

You must submit your change within 30 days after the event.

Dependent Verification

Making changes to dependents is subject to eligibility. You will be required to provide proof of one or more of the following within 30 days of their eligibility:

 Marriage Certification or License

 Domestic Partners Affidavit

 Birth Certificate

 Final decree of divorce

 Court documents showing legal responsibility for adopted children, foster children or children under legal guardianship

 Physician’s written certification of disabling condition (for dependent children over age 26 incapable of self-support)

If you do not supply the proper documentation to make changes to dependents within the 30-day period, you will not be able to add the dependent(s) until the next open enrollment period.

Enrolling for Benefits

Welcome to BenXcel!

BenXcel is an online system that enables you to make all your benefit decisions in one place. If you don’t have access to a computer, you can access the enrollment portal from a tablet or smartphone.

Before you enroll

 Employees opting out of medical coverage will be prompted to upload proof of other medical coverage on BenXel

 Know the date of birth, social security number, and address for each dependent you will cover

 Review your enrollment materials to understand your benefit options and costs for the coming year

Getting started

 LOG IN to BenXcel

1. Go to: BenXcel (https://www.benxcel.net/Platform)

2. Enter your Username and Password: Username- First Name Initial, Last Name Initial, Last 4 of SSN Password – Entire Date of Birth (mmddyyyy)

3. Enter your Company Name: SDCRAA

4. Click ‘SIGN IN’

 ADD your personal and dependent information

 SELECT your benefit plans for the coming year

 UPLOAD any necessary documents. See Dependent Verification section for more information

 REVIEW your choices and costs before finalizing

Mid-Year changes

 You have year-round access to a summary of your benefits through BenXcel.

 Mid-year changes should be initiated through BenXcel. HR may reach out for additional verification.

GET PERSONALIZED SUPPORT WITH QUESTIONS – BIG OR SMALL

MyAdvocate360 provides an opportunity to get help with both big and small benefits-related questions.

This confidential, free-of-charge resource can provide:

 Assistance with login credentials and password reset

 Guidance on using the Benxcel 2.0 dashboard

 Finding a network provider

 Understanding your available benefits

 Resolve claim or billing issues

Monday – Thursday, 5:00 am – 5:00 pm

Friday, 6:00 am – 3:00 pm (PT)

Medical

Medical Plan Overview

Our medical plans offer comprehensive coverage. Preventive care is fully covered under all plans if obtained in-network. Your costs for other services will depend on which plan you choose.

This guide serves as a summary of the medical plan(s). Please review the plan documents before selecting a plan.

What you need to know

Anthem HMO

 In-network only

 Requires PCP referral to see specialist

 No deductible

 Predictable costs

Anthem PPO

Anthem HDHP

MediExcel Cross

Border HMO

 Must meet deductible for some services before the plan begins to pay a % of the cost

 Out-of-network coverage; higher costs

 Access to HSA account to offset out-of-pocket costs

 Must meet deductible for most services before the plan begins to pay a % of the cost

 Out-of-network coverage; higher costs

 Cross-border coverage in Mexico

 All-inclusive healthcare campus in Tijuana

 Covers emergencies worldwide

 US urgent care network in San Diego and Imperial County

 There is no deductible that needs to be met before the plan shares the cost of services

 Virtual Care Services available

Anthem Medical HMO Plans

1This family maximum is embedded, meaning that the plan will cover

2All

and

3Complies with CA SB279 refer to carrier plan documents for details.

4Non-diabetic GLP-1: 30% coinsurance, max $150/month (quantity limits apply). Diabetic GLP-1: covered under standard formulary benefit.

FIND A MEDICAL PROVIDER

Your in-network benefits are provided through the Anthem Network. To find a provider, visit anthem.com/ca/prism and continue as a guest. You can search by ZIP codes, provider type, or specific plan/provider. Here’s a key to finding the plans available to you: Select HMO or California Care (Full HMO).

Anthem Medical PPO Plan

1This

2This

3All covered expenses including your medical deductibles and prescription copays accumulate towards the out-of-pocket maximum.

4Non-diabetic GLP-1: 30% coinsurance, max $150/month (quantity limits apply). Diabetic GLP-1: covered under standard formulary benefit.

FIND A MEDICAL PROVIDER

Your in-network benefits are provided through the Anthem Network. To find a provider, visit anthem.com/ca/prism and continue as a guest. You can search by ZIP codes, provider type, or specific plan/provider. Here’s a key to finding the plans available to you: Prudent Buyer PPO.

Anthem Medical HDHP/HSA Plan

MediExcel Cross Border Medical HMO Plan

2All

FIND A MEDICAL PROVIDER

Your benefits are provided through the MediExcel Network, visit www.mediexcel.com . Finding a doctor or a mental health specialist is quick and simple! Choose a location, select the care type you need, and click Search. A list of available medical professionals will appear at the bottom of the page. For assistance, please call our Member Service Line at (619) 365-4346, (664) 633-8555 if dialing from Mexico or email us at memberservices@mediexcel.com

Prescription Drugs – Navitus

Filling Your Prescriptions

Anthem members have access to prescription drug coverage through Navitus.

 Network Pharmacy – Most independent and all major chain pharmacies, are part of your benefit network.

 Costco Mail Order – A 90-day supply of maintenance medications can be mailed right to your door. You don’t need to be a Costco member to use their pharmacies. Just register online at pharmacy.costco.com or call (800) 607-6861 to get started.

 Specialty Pharmacy - Lumicera Health Services, our specialty pharmacy partner, provides a high level of personalized care for members with complex conditions. Their clinical team will help you manage side effects and reduce complications, so you can focus on the things that matter most. Visit lumicera.com/patients/ or call (855) 8473553 for more information.

Member Portal & App

Go to navitus.com/members to access the member portal or download the Navitus mobile app. Register for your account, if you haven’t already done so. Log into the Navitus member portal and app with the same username and password. Once registered, click Sign In, then enter your login details and password. From here you can:

 View or print your member ID card.

 Perform a Drug Search for coverage details.

 Find drug prices and pharmacy locations.

 Easily track your medication history.

Questions?

Review the Navitus FAQ to learn more about the program offerings.

Simplifying Prior Authorization, Step Therapy & Exception to Coverage

There are certain conditions and medications which require extra steps to gain approval to fill the prescription, but Navitus tries to make it as easy as possible.

 Prior Authorization (PA) – Some prescriptions require prior authorization to be filled, which your health care provider will need to help facilitate. Drugs that need prior authorization are listed on your formulary with a PA. Most prior authorization requests are reviewed within two business days and urgent requests within one business day.

 Step Therapy – When there’s an effective alternative available that’s less expensive for you, you may be asked to try that before a more expensive prescription is authorized.

 Exception to Coverage (ETC) – If a drug isn’t approved, you and your doctor can submit an ETC request showing alternative medications aren’t effective or suitable for your personal situation.

 Coverage Details - If there are any limits or requirements on your medications like the ones listed above, a Coverage Details button will appear on the medicine’s description page in the portal. Clicking on that button will outline what’s needed to get the prescription filled.

Navitus Customer Care

Carrier ID: NVPSM

Phone: 855-847-1035

Website: navitus.com/members

Available 24 hours a day, 7 days a week; Closed Thanksgiving & Christmas

Health Savings Account (HSA)

A Health Savings Account (HSA) is a powerful tool for managing healthcare costs and saving for the future. This program is administered through Wealthcare.

How the HSA Works

You can use your HSA debit card to pay for eligible expenses like office visits, lab tests, prescriptions, dental and vision care, and even some drugstore items.

Your Contribution

You can contribute as much or as little as you want up to the IRS maximum each year. The Health Savings Account provides a triple- tax advantage! You contribute funds tax-free, funds grow tax free, and you can withdraw funds tax-free.

2026 IRS Contribution Limits

Individual Coverage: $4,400 Family Coverage: $8,750

Are you age 55 or over? You can contribute an additional $1,000 2026 Company Contribution*

To help offset the high-deductible on the HDHP, the Airport Authority deposits the full contribution to your HSA upon enrollment with the annual amount below:

Individual Coverage: $ 1,700 Family Coverage: $3,400

If you decide to contribute to your HSA, be sure to include the employer contribution in your calculation to avoid exceeding the IRS maximum.

Employees must open and maintain a Health Savings Account to be eligible for the employer contribution.

Unlock the Power of Your HSA

Tax Advantages

Contributions, growth and eligible withdrawals are all tax-free.*

Rollover Capability

Unused funds roll over from year to year, so you don't lose them.

You are ELIGIBLE for an HSA if:

 You are enrolled in the Anthem HDHP plan. You are not enrolled in any other non-HDHP medical coverage.

 You do not have a general-purpose healthcare FSA through your own or your spouse’s benefit plan.

You are NOT ELIGIBLE for an HSA if:

 You are enrolled in Medicare, Medicaid or Tricare, or if you are someone else’s tax dependent.

Find out more

 Eligible Expenses

 Ineligible Expenses

 Everything You Need to Know About HSA

You can use HSA funds for healthcare expenses in

Portability

Keep your HSA even if you change jobs or health plans.

PRISM Anthem Resources

Sydney Mobile App

Use SydneyTM Health to keep track of your health and benefits- all in one place. Access your plan details, Member Services, virtual care, and wellness resources. You can also set up an account at anthem.com/ca/register to access most of the same features from your computer.

Building Healthy Families

Building Healthy Families offers personalized, digital support through the SydneySM Health mobile app or on anthem.com/ca. This all-inone program, at no extra cost to you, can help your family grow strong whether you’re trying to conceive, expecting a child, or in the thick of raising young children.

Lark Diabetes Management Program

Available to participants of HMO and HDHP plans at no cost. Track your progress, check in with your coach, and learn more about prediabetes right in Lark’s free mobile app. This program follows guidelines from the Centers for Disease Control and Prevention (CDC) to help you make small changes that can improve your health and decrease your risk over time.

LiveHealth Online

Visit with a board-certified doctor using your smartphone, tablet or computer with a webcam. Doctors are available 24/7 to assess your condition and, if it’s needed, they can send a prescription to your local pharmacy. Psychiatry and Psychology services are also available. Register online and download the mobile app.

24/7 Nurse Line

24/7 NurseLine serves as your first line of defense for unexpected health issues. You can call a trained, registered nurse to decide what to do about a fever, give you allergy relief tips, or advise you where to go for care. For help, call the number on the back of your ID card.

ConditionCare

ConditionCare is a disease management program available to members at no cost. The program provides tools, resources and support with Asthma (pediatric or adult), Chronic Obstructive Pulmonary Disease (COPD), Coronary artery disease, Diabetes, types 1 and 2 (pediatric or adult) or Heart failure. For more details and/or to join, call (866) 962-0957.

Anthem ID Cards

For HMO plans, ID cards will be issued to each member enrolled.

For PPO and HDHP plans, one ID card will be issued to subscriber and one to spouse/DP. Two cards will be issued in the subscriber’s name for subscriber plus child(ren) contracts. ID cards with child dependent names can be requested by calling the member service number on the ID card.

Provider Finder

To find a provider in your plan network, please visit anthem.com/ca/prism

Digbi - Diabetes, Obesity & GI Care

Your Digbi Health Journey

The Digbi Health program is a personalized 52-week journey designed to transform your health and wellness. Whether you’re managing your weight, Type 2 Diabetes, digestive health, or taking GLP-1s for weight management, Digbi is here to support you with care tailored to your biology. Digbi Health is available at no cost for eligible members covered by Anthem through your employer.

This program includes:

 Gut & Gene Testing Kits

 Glucose Monitoring Device

 Tailored Meals

 Health Coach

 GLP-1s for weight management

Contact Digbi at prism@digbihealth.com or at (866) 344-2189 if you have any questions.

GLP-1 Eligibility

Eligibility requirements for accessing GLP-1s for weight management:

 18 years or older and enrolled in Anthem (Mandatory).

 BMI 40 or higher without any comorbidity (OR)

 BMI 35 - 39 with at least one related comorbidity (OR)

 Mandatory: If you’re on a GLP-1 for weight management, you should have lost 5% weight within 90 days of starting them.

 Digbi is the starting point for weight-management medications for all Anthem members.

 The Digbi care team will administer prior authorization, act as the program’s sole prescriber of non-diabetic GLP-1s and provide ongoing lifestyle coaching so medication and daily habits work together.

1For Anthem Members

Get Started

1. Check your eligibility and sign up for the program at digbihealth.com/prism.

2. If you are eligible, download mobile apponelink.to/digbi.

3. On the app, please confirm shipping address and answer onboarding questions - your kits will be ordered to your address, automatically.

4. Starting January 1, 2026, you will have 90 days to go through Digbi Health’s Reauthorization for weight management GLP-1 medication based on the new eligibility criteria.

Digbi Health App

 Get at-home Test Kits - Within a week, you'll receive a comprehensive testing kit including a Genetic Test, a Gut Microbiome Test, and an Abbott Libre Continuous Glucose Monitor. Please follow instructions to collect samples and return kits using pre-labeled shipping.

 Sync your Health Apps - Connect Apple or Google Health Apps with the Digbi App. Navigate to settings, choose "Health", then connect by tapping "Refresh" under "Apple Health".

 Say hi to your Coach! - Tap the 'Coach' button at the bottom to start engaging with your health coach on the app and upload meal pictures for scoring while you await test results.

Questions?

Review the Digbi Health FAQ to learn more about the program offerings.

Dental

Dental Plan Overview

We offer dental coverage through Delta Dental. Dental insurance makes it easier and less expensive to get the care you need to maintain good oral health.

This guide serves as a summary of the dental plan(s). Please review the plan documents before enrolling in coverage.

What you need to know

Delta Dental PPO

DeltaCare HMO

 Must meet deductible for some services before the plan begins to pay a % of the cost

 Out-of-network coverage; higher costs

 In-network only

 Requires primary care dentist

 No deductible

 Predictable costs

Dental insurance covers multiple types of treatment:

1. Preventive care includes exams, cleanings and x-rays

2. Basic care focuses on repair and restoration with services such as fillings, root canals, and gum disease treatment

3. Major care goes further than basic and includes bridges, crowns and dentures

4. Orthodontia treatment to properly align teeth within the mouth

All About PPO Dental

Watch this video to brush up on the ins-and-outs of dental insurance. Click to play video

Delta Dental

Dental Benefits

Delta Dental Perks

Vision

Vision Plan Overview

We offer vision coverage through VSP. Vision coverage helps with the cost of eyeglasses or contacts.

This guide serves as a summary of the vision plan. Please review the plan documents before enrolling in coverage.

What you need to know

VSP PPO

 In-network coverage will have lower costs

 Out-of-network coverage will have higher costs

 The plan will reimburse up to a specific dollar amount for most materials

All About Vision

Watch this video to learn more about what to keep an eye out for when it comes to vision insurance.

VSP Vision

1In lieu of frames/lenses

VSP Perks

 Extra Savings - Get an extra $20 off featured frame brands and save 20% on additional glasses and sunglasses.

 Retinal Screening - You won’t pay more than a $39 copay on routine retinal screening as an enhancement to a WellVision Exam.

 LASIK Laser Vision Correction - Save up to an average of 15% off the regular price of LASIK or discounts available from contracted facilities.

 TruHearing® Hearing Aid Discount - Members can save up to 60% on a pair of hearing aids with TruHearing.

 Diabetic Resources - Additional eyecare services for members with diabetic eye disease, glaucoma or age-related macular degeneration (AMD). Visit vsp.com/offers to

and more!

Life & Disability

Is your family protected?

Life, AD&D and disability insurance can fill a number of financial gaps due to a temporary or permanent reduction of income.

Consider what your family would need to cover day-to-day living expenses and medical bills during a pregnancy or illness-related disability leave, or how you would manage large expenses (rent or mortgage, children’s education, student loans, consumer debt, etc.) after the death of a spouse or partner.

Who is eligible

Life and AD&D

Employer Paid

Life and AD&D

Voluntary

Short Term Disability (STD)

 Employee only

 Employee

 Spouse  Child

Employer Paid  Employee only

Long Term Disability (LTD)

Voluntary  Employee only

Your Beneficiary = Who Gets Paid

If the worst happens, your beneficiary the person (or people) on record with the life insurance carrier receives the benefit. Make sure that you name at least one beneficiary for your life insurance benefit, and change your beneficiary as needed if your situation changes.

Company Provided Life and AD&D Insurance

Basic Life and AD&D

Basic Life Insurance pays your beneficiary a lump sum if you die. AD&D (Accidental Death & Dismemberment) coverage provides a benefit to you if you suffer from loss of a limb, speech, sight, or hearing, or to your beneficiary if you have a fatal accident.

Coverage is provided by Lincoln, and premiums are paid in full by the Airport Authority.

Class description

Class I President / CEO

Class II Vice President & Directors

Class III Classified / Unclassified

Class IV Employees electing to opt out of Basic Life and AD&D

Employee Life and AD&D Coverage*

Class I

Class II

2.5x base annual earnings up to a maximum of $500,000, plus $50,000

2x base annual earnings up to a maximum of $500,000, plus $50,000

Class III 1x base annual earnings up to a maximum of $125,000

Class IV $50,000

*The amount of coverage may be reduced at certain ages for you. Refer to Certificate of Insurance for details.

A Note About Taxes

Company-provided life insurance coverage over $50,000 is considered a taxable benefit. The value of the benefit over $50,000 will be reported as taxable income on your annual W-2 form.

Additional Features

 Waiver of Premium - If you become totally disabled while insured under this plan and under age 60, and complete a waiting period of 180 days, your Basic and Additional Life insurance may continue without premium payment until age 65 provided you give Lincoln satisfactory proof that you remain totally disabled.

 Accelerated Death Benefit - If you become terminally ill, you may be eligible to receive up to 80% of your combined Basic and

Additional Life benefit to a maximum of $500,000.

 Portability - If your insurance ends because your employment terminates, you may continue to your life insurance coverage by obtaining the cost directly from Lincoln.

 Conversion - If your insurance ends or reduces, you may be eligible to convert your life insurance to an individual life insurance policy. Premiums for the converted policy will be substantially higher compared to the Airport Authority sponsored plan.

Voluntary Life and AD&D Insurance

Protecting those you leave behind

Voluntary Life and AD&D Insurance allows you to purchase additional coverage to protect your family's financial security.

Coverage is provided by Lincoln and available for your spouse and/or child(ren). If both you and your spouse are Authority employees, you may not purchase voluntary life spouse coverage.

Voluntary Life and AD&D Coverage

Employee

Spouse

Child(ren)

Increments of $10,000 up to $500,000

Guaranteed Issue: $200,000

Increments of $5,000 up to $250,000

Guaranteed Issue: $20,000

Live birth but under six months: $1,000

At least six months but under 26 years: $10,000

Guaranteed Issue: $10,000

Note: Benefit amount reduces to 65% at age 70, to 40% at age 75, and 25% at age 80.

During your initial eligibility period only, you can receive coverage up to the Guaranteed Issue amounts without having to provide Evidence of Insurability (EOI) or information about your health. Coverage amounts that require EOI will not be effective unless approved by the insurance carrier.

Married employees both working for the Airport Authority cannot apply for dependent coverage for each other as spouses and dependent children can only be covered by one employee.

Evidence of Insurability (EOI)

If you elect Voluntary Life coverage above guaranteed issue (noted on this page), or if you are a late entrant (enrolling more than 31 days after the date you become eligible), you must complete and submit EOI. This can be completed online through Lincoln.

You can find the link to the Lincoln portal on BenXcel.

Voluntary Standalone AD&D Insurance

Protecting those you leave behind

Accidental death and dismemberment (AD&D) insurance provides a cash payout in the unfortunate event that you or a covered family member passes away or suffers a traumatic injury from certain covered accidents. Coverage is provided by Lincoln and available for your spouse and/or child(ren).

This coverage can be purchased separately or in addition to Voluntary Life. The monthly premium is based on the benefit amount and not according to your age. If you elect coverage for yourself, you may also enroll your eligible dependents for a percentage of your benefits. All benefit amounts are Guaranteed issue. No medical information is required.

AD&D Coverage

Employee AD&D coverage amount Increments of $10,000 up to $500,000

Family AD&D coverage amount

Employee and Spouse Benefit reduction

 Spouse/domestic partner coverage without children: 50% of your coverage to a maximum of $250,000

 Spouse/domestic partner coverage with children: 40% of your coverage to a maximum of $250,000

 Child(ren) coverage without spouse/domestic partner: 10% of your coverage to a maximum of $50,000 if your child is under 26 years old

 Child(ren) coverage with spouse/domestic partner: 5% of your coverage to a maximum of $25,000 if your child if your child is under 26 years old

Benefit reduces to 65% at age 70, to 40% at age 75, and 25% at age 80

SERVICES PROVIDED THROUGH

You have access to the following value-added services:

 LifeKeys® services: Access to counseling, financial, and legal support services.by ComPsych

 Estate Guidance Will Services by ComPsych

 Funeral Planning and Concierge Services through Lincoln FuneralPrep

 Travel Assistance Services

For details on each of these service, login to your account on BenXcel.

Disability Insurance

Short-Term Disability Insurance (STD)

Short-Term Disability (STD) insurance replaces part of your income for limited duration issues such as:

 Pregnancy issues and childbirth recovery

 Prolonged illness or injury

 Surgery and recovery time

STD payments may be reduced if you receive other benefits such as sick pay, workers' compensation, Social Security, or state disability. The Airport Authority pays the cost of this coverage. Coverage is provided by Lincoln.

Weekly Benefit Amount

(weekly benefit maximum covers 60% of earnings up to annual earnings of $140,400)

60% up to a maximum of $1,620

Benefits Begin After Accident Sickness 7 days of disability 7 days of disability

Maximum Payment Period1 26 weeks

1Maximum payment period is based on the first day benefits begin, not the first day you are disabled.

Submitting a Claim

If you are disabled due to an illness or accidental injury, unable to work, and under the care of a licensed physician, you are eligible to submit a claim for benefits under this plan. As long as you remain disabled and meet the plan’s disability requirements, you will continue to receive a percentage of your earnings until benefits are no longer payable.

Voluntary Long-Term Disability Insurance (LTD)

Long-Term Disability (LTD) insurance replaces part of your income for longer term issues such as:

 Debilitating illness (e.g. cancer, heart disease)

 Serious injuries (e.g. accident)

 Heart attack, stroke

 Mental disorders

If you qualify, LTD benefits begin after short-term disability benefits end. Payments may be reduced by state, federal, or private disability benefits you receive while disabled. You pay the cost of this coverage. Coverage is provided by Lincoln.

Monthly Benefit Amount

(monthly benefit maximum covers 60% of earnings up to annual earnings of $160,000) 60% up to a maximum of $8,000 Benefits Begin

days of disability

What to Know About LTD Insurance

1. It can protect you from having to tap into your retirement savings

2. You can use LTD benefits however you need, for housing, food, medical bills, etc.

3. Benefits can last a long time―from weeks to even years―if you remain eligible

4. Benefits are tax-free, since you pay the premiums with after-tax dollars

ADDITIONAL SERVICES PROVIDED THROUGH LINCOLN

 Ability Assist Counseling Services by ComPsych

 Beneficiary Assist Counseling Services by ComPsych

 Estate Guidance Will Services by ComPsych

 Funeral Planning and Concierge Services through Lincoln FuneralPrep

 Travel Assistance Services

Employee Assistance Program (EAP)

Help for you and your household members

There are times when everyone needs a little help or advice, or assistance with a serious concern. The EAP through Anthem can help you handle a wide variety of personal issues such as emotional health and substance abuse; parenting and childcare needs; financial coaching; legal consultation; and eldercare resources.

Best of all, contacting the EAP is completely confidential, free and available to any member of your immediate household.

No cost EAP resources

The EAP is available around the clock to ensure you get access to the resources you need:

 Unlimited phone access 24/7

 In-person or video counseling for short-term issues; up to 6 visits per issue

 Unlimited web access to helpful articles, resources, and self-assessment tools

Available Resources

Counseling Benefits

 Difficulty with relationships

 Emotional distress

 Job stress

 Communication/ conflict issues

 Alcohol or drug problems

 Loss and death

Parenting & Childcare

 Referrals to quality providers

 Family day care homes

 Infant centers and preschools

 Before/after school care

 24-hour care

Financial Coaching

 Money management

 Debt management

 Identity theft resolution

 Tax issues

Legal Consultation

 Referral to a local attorney

 Family issues (marital, child custody, adoption)

 Estate planning

 Landlord/tenant

 Immigration

 Personal Injury

 Consumer protection

 Real estate

 Bankruptcy

Eldercare Resources

 Help with finding appropriate resources to care for an elderly or disabled relative

Online Resources

 Self-help tools to enhance resilience and well-being

 Useful information and links to various services and topics

Voluntary Plans

Accident Insurance

Accident Insurance from Lincoln helps you pay for unexpected costs that can add up due to common injuries such as fractures, dislocations, burns, emergency room or urgent care visits, and physical therapy. If you or a covered family member has an accident, this plan pays a lump-sum, tax-free benefit. The amount of money depends on the type and severity of your injury and can be used any way you choose. You may even be eligible for a $50 wellness benefit if you receive a covered wellness screening such as annual exam, preventive exams, or an eye exams.

Hospital Indemnity Insurance

Hospital indemnity insurance from Lincoln can enhance your current medical coverage. The plan pays a lump sum, tax-free benefit when you or an enrolled dependent is admitted or confined to the hospital for covered accidents and illnesses. You can use the money you receive under the plan however you see fit, for paying medical bills, childcare, or for regular living expenses like groceries you decide.

Voluntary benefits are optional coverages that help you customize your benefits package to your individual needs. You pay the entire cost for these plans through payroll deductions.

Critical Illness Insurance

Critical illness insurance from Lincoln can help fill a financial gap if you experience a serious illness such as cancer, heart attack or stroke. Upon diagnosis of a covered illness, a lumpsum, tax-free benefit is immediately paid to you. Use it to help cover medical costs, transportation, childcare, lost income, or any other need following a critical illness. You choose a benefit amount that fits your paycheck and can cover yourself and your family members if needed. You may even be eligible for a $50 wellness benefit if you receive a covered wellness screening such as blood tests, stress tests, or a chest x-ray.

For more information regarding costs of coverage benefit offerings please visit https://benxcel.net

Flexible Spending Account (FSA)

A healthcare FSA allows you to set aside tax-free money to pay for healthcare expenses. This program is administered through SmartCare.

How the FSA Works

You estimate what you and your family’s eligible out-ofpocket costs will be for the coming year, expenses such as office visits, surgery, dental and vision expenses, prescriptions, even eligible drugstore items.

 Use the FSA debit card to pay for eligible services and products. You can also login to your online account or use your mobile app to request a payment be sent directly to your provider or to you.

 Request an itemized receipt for any expenses you plan to pay for with your FSA.

 Elections cannot be changed during the plan year, unless you experience a qualifying event.

2026 IRS Contribution Limits

You can contribute up to $3,400 (projected) Contributions are deducted from your pay pretax.

Deadline To Incur Claims Expenses must be incurred between 01/01/2026 and 12/31/2026 (2 ½ month “grace period” after the end of the plan year)

USE IT OR LOSE IT

Because FSAs can give you a significant tax advantage, they must be administered according to specific IRS rules. Any remaining funds in your Health Care FSA will not be returned to you or carried over to the following year.

Deadline To Submit Claims Claims must be submitted for reimbursement no later than 03/31/2027

Are You Eligible?

You don’t have to enroll in one of our medical plans to participate in the healthcare FSA.

Limited Purpose FSA

 If you/your spouse are enrolled in a high-deductible health plan (like our Anthem HSA plans), you can only participate in the Limited Purpose FSA for dental and vision expenses.

Do You Pay For Dependent Care?

Review the next page for information on tax savings through the Dependent Care FSA.

Find out more

 SmartCare FSA

 Eligible Expenses – now include more over-the-counter items!

 Ineligible Expenses IMPORTANT:

 You must re-enroll in this account each year

 Elections do not rollover

Flexible Spending Account (FSA)

Dependent Care Flexible Spending Account (FSA)

Paying For Daycare? Make It Tax-free! A dependent care Flexible Spending Account (FSA) can help families save potentially hundreds of dollars per year on day care. This program is administered by SmartCare.

How the Dependent Care Flexible Spending Account (FSA) Works

You set aside money from your paycheck, before taxes, to pay for work-related day care expenses. Eligible expenses include not only childcare, but also before and after school care programs, preschool, and summer day camp for children under age 13. The account can also be used for day care for a spouse or other adult dependent who lives with you and is physically or mentally incapable of self-care. You can pay your dependent care provider directly from your FSA account, or you can submit claims to get reimbursed for eligible dependent care expenses you pay out of pocket.

2026 IRS Contribution limits

Deadline to incur expenses

USE IT OR LOSE IT

You can contribute up to $5,000 per household per year. If you are married but filing separately, federal regulations limit the use of Dependent Care FSA to $2,500 each year.

Money contributed to a dependent care FSA must be used for expenses incurred during the same plan year.

Because FSAs can give you a significant tax advantage, they must be administered according to specific IRS rules. Any remaining funds in your Dependent Care FSA will not be returned to you or carried over to the following year.

You can’t change your Dependent Care FSA election amount mid-year unless you experience a qualifying event.

IMPORTANT: You must re-enroll in this account each year. Elections do not rollover.

Every Opportunity To Save

The biggest deduction from your paycheck is likely federal income tax. Why not take a bite out of taxes while paying for necessary expenses with tax-free dollars?

Additional Benefits

The following are additional voluntary benefits available to you.

Benefit

Cash In Lieu of Parking Privileges

Commuter Transportation Reimbursement Benefit

Tuition Assistance

Benefit Description

Cash In Lieu of Parking Privileges is a program in which you have the option to accept taxable cash income in lieu of all parking privileges and SAN. This gives you the choice to keep a parking space at work, use the money to pay for transit or vanpool fares, or save the money by carpooling, bicycling, or walking to work.

Note: Employees enrolled in this program are required to turn in their parking cards and/or hang tags to Ground Transportation by the1st of the month following enrollment. Employees enrolled in this program are also eligible to participate in the FSA transit program and will receive the employer subsidy for transit.

Employer-paid: per month $100

Employees can elect to enroll or disenroll monthly (full month increments).

You can deduct up to $340 per month in 2026 on a before-tax basis from your paycheck to pay for transit or commuter expenses.

Apply for tuition assistance and be reimbursed for up to $5,250 for tuition expenses per calendar year. Courses may be taken individually or as part of a degree program.

Plans to Keep You and Your Family Secure

Identity Theft Protection

Identity theft is serious. Victims can spend hundreds, even thousands of dollars, and weeks of their own time to repair the damage done to their good names and credit records. The longer identity fraud goes undetected, the more expensive and difficult it becomes to resolve. For an affordable monthly premium, identity theft protection from Legal Shield helps protect your personal information through proactive monitoring, identity restoration, and resolution. You can enroll in this program during open enrollment.

Home and Auto Insurance

Your home, its contents, and your car would be expensive, perhaps even unaffordable, to replace. The Airport Authority partners with Comparion Insurance Agency to provide you with access to special group rates on home and auto insurance. You can enroll in this program at any time.

Legal Program

Do you have an attorney on retainer? Most people don't, so our legal program offers you access to legal advice and even representation for an affordable monthly premium. Whether you need assistance reviewing a rental agreement, fighting a traffic ticket, creating a will, buying a house or navigating an IRS audit, legal coverage from Legal Shield offers reputable attorney assistance for you and your family. You can enroll in this program during open enrollment.

Pet Insurance

Pets are members of the family too. When your pet gets sick, bills can add up faster than expected. Pet insurance prevents you from needing to weigh your pet's health against your bank account. Most plans offer coverage for costs associated with both accidents and illnesses even medications. Nationwide Pet Insurance provides coverage for this program. You can enroll in this program at any time.

Visit the Plan Contacts section or log on to benxcel.net for contact information.

Bereavement Support

Support In Times of Loss

Through the Airport Authority, you and your family have access to complimentary support for both Loss Support and Anticipated Loss.

Empathy is a dedicated service that helps you navigate the challenges following the loss of a loved one. This benefit goes beyond traditional bereavement leave, offering comprehensive emotional and practical support at no cost to you.

Empathy gives you the resources to handle any practical or emotional challenge that follows the loss of a loved one. From settling the estate to dealing with grief, Empathy’s tech-enabled assistance and realtime human support helps you and your family save hours of time and thousands of dollars as you deal with every challenge that loss brings.

Benefits of Empathy:

 Dedicated Care Manager

 Personalized Care Plan

 Grief Support Resources

 Probate & Estate Guidance

Childcare Support

PARENTAL SUPPORT

The Airport Authority partners with TOOTRiS to help you easily find quality Child Care options to fit your family’s specific needs.

With TOOTRiS Child Care Benefits, parents and guardians now have access to the nation’s largest, most comprehensive network of licensed Child Care providers. Simply using your computer or mobile phone, TOOTRiS allows you to quickly find and vet Child Care programs online, schedule tours, see availability, and enroll your children all in REAL-TIME.

TOOTRiS is in all 50 states offering over 200,000 unique Child Care options to meet the specific needs of your family - including full-time/part-time, backup care, after-school, babysitter/nanny, leaning centers, summer camps, and more – no matter where you live or what time you work.

TOOTRiS also helps you save money on Child Care, making your paycheck go further, in several ways:

 Select from the most choices in providers to fit your family needs and budget

 Options to only pay for the hours you need

 Help finding financial assistance for those that need it

 Can integrate with FSA accounts so you save with pre-tax dollars

 Integrates any employer-sponsored support you may receive

Wellness Program

Lifestyle Spending Accounts (LSA)

The Lifestyle Spending Account (LSA) by Espresa provides you with $700 to be used towards designated wellbeing expenses. The Airport Authority offers employees an LSA for fitness, family, emotional, and social wellness expenses. The LSA empowers you to customize your benefits to fit your personal needs and preferences. Spouse and dependent expenses are eligible. This benefit is 100% employer-funded and taxable when claimed.

You can use your LSA funds:

 On Espresa’s Infinite Marketplace towards gift cards and other wellness related products and services

 To be reimbursed through payroll for eligible expenses you pay out of pocket

This account is solely funded by the Airport Authority. Employees are not eligible to contribute any additional funds. Email your benefits team at support@espresa.com or call (650) 752-6699.

Enhance your well-being

Being well involves more than just using your healthcare plans. Wellness is a daily commitment to eating healthy, staying active, managing stress and maintaining balance.

To help you achieve your health goals, we offer a wellness program at no cost to you. If you participate, you have the opportunity to earn incentives for yourself and your spouse/domestic partner.

Here’s how the program works:

1. To access the wellness program information: Click here

2. All employees who reach 200 points will receive $200 to spend on e-gift cards, fitness devices and more. Complete your choice of well-being activities to earn points. The deadline to reach 200 points is December 31, 2026. The last day to redeem reward dollars is January 31, 202 7. No exceptions

It all begins with you. Email the Wellness team at wellnessteam@san.org with any questions, suggestions, or to join our Wellness Team!

Get Started Today

Log on to our wellness portal for resources to help you reach your full health and wellbeing potential.

Click here

Pathwise Financial Wellness

Financial Wellness matters

Pathwise Financial Wellness is an engagement software that provides employees access to financial wellness solutions. It is meant to act as the one-stop shop for your personalized financial wellness.

How it works

 Collect valuable insight about where you need to focus

 Easily accessible regardless of your location

 Personalized, year-round education and engagement,

 One location for all things financial wellness, whenever you need

 Personal financial support for you

 Unlimited access to financial advisory support

Pathwise can analyze your financial situation associated with:

 Long-term care

 Retirement planning

 Life insurance

 Tax efficiency planning

 Student loan relief

 Employee financial dashboard

Contact Pathwise Website: pathwisegroup.com/employee

Alliant Individual Health Solutions (AIHS)

With Alliant Individual Health Solutions (AIHS), affordable health insurance is within reach.

Could your family get health insurance subsidies?

As part of our commitment to providing benefit options that meet your specific needs, we have partnered with Alliant Individual Health Solutions (AIHS). AIHS does not replace the companysponsored group health insurance plans rather, it expands options available to you and your dependents, with the opportunity for significant savings.

New rules make insurance more affordable for many

Changes in recent legislation could mean your dependents may now qualify for subsidies in the Affordable Care Act Marketplace (also called the Exchange), possibly lowering your family’s healthcare premiums. The federal government has changed who may be eligible for Marketplace subsidies. If your family members previously were ineligible for Marketplace subsidies, they may now qualify.

How does it work?

The AIHS team can help you:

 Explore whether your dependents are eligible for subsidies.

 Learn whether an individual health plan could be a more affordable option than the companysponsored group plans.

 Secure health coverage if you or your dependents are leaving a company plan.

AIHS may be able to help you find affordable coverage if:

 Your dependent child is turning 26 (making them no longer eligible for coverage under a company plan).

 You are retiring early (before Medicare benefits start at 65).

 Your spouse is younger than 65 (and not eligible for Medicare yet).

 You’re leaving the company and want to explore options that may be more affordable than COBRA.

Contact AIHS

Schedule an appointment at alliantindividualhealthsolutions.com or call (877) 328-1195 to speak with a licensed insurance agent.

Did you know?

Your extended family and friends can also use Alliant Individual Health Solutions (AIHS) at no charge!

Alliant Medicare Solutions Turning 65? Understand Your Medicare Options

Alliant Medicare Solutions is a no-cost service available to you, your family members, and friends nearing age 65.

Whether you retire or continue to work, choosing the right healthcare option is an important decision when you reach age 65

Most people become eligible for Medicare at age 65. When that happens, you’ll probably have some time-sensitive decisions to make, based on your individual situation.

Introducing Alliant Medicare Solutions - Premier

Medicare can be complicated. Figuring out the rules not to mention how Medicare works with or compares to your employer-provided medical coverage—can be a headache. That’s why we are offering Alliant Medicare Solutions. The licensed insurance agents at AMS can help you understand Medicare, what is and isn’t covered, and how to choose the best coverage for your situation.

How does it work?

1. Call Alliant Medicare Solutions at (877) 638-1413 to speak to a licensed insurance agent. Have your current medical coverage information available when you call.

2. Discuss with Alliant Medicare Solutions your existing insurance coverage, your Medicare options, and which of those plans might work the best for you.

3. If Medicare is the best option, Alliant Medicare Solutions helps you enroll immediately or emails policy materials for you to review and enroll at a later date.

Business Travel Accident

Additional Protection When You Travel

Business Travel Accident (BTA) Insurance provides a benefit in the event of your accidental death or serious injury while traveling on company business. The Airport Authority provides this coverage through New York Life at no cost to you.

New York Life Group Benefit Solutions (NYL GBS) Secure Travel offers pre-trip planning, assistance while traveling and emergency medical transportation benefits for covered persons traveling 100 miles or more from home (see your plan for details). Service is a phone call away, 24/7/365.

 Immunization requirements

 Visa and passport requirements

Pre-trip planning

 Embassy/consular referrals

 Foreign exchange rates

 Travel advisories and weather conditions

 24-hour multilingual assistance and referral to interpretation and translation services

 Referrals to physicians, dentists, medical facilities and legal assistance providers

Traveling Assistance

 Arrangements for payment of medical expenses up to $10,000

 Assistance with lost or stolen items, including luggage and prescription replacement

 Emergency cash advances, up to $1,500*

Emergency Assistance*

 Emergency evacuation and repatriation

 Travel arrangements for the return of a travel companion or children under age 18

 Cover round-trip transportation as well as accommodations, up to $150 per day for up to seven days, for a family member or friend to visit a covered person who is hospitalized more than 100 miles away from home for more than seven days

 Arrange and cover the costs associated with returning a deceased covered person’s remains to his or her place of residence for burial

 Emergency message relay, toll-free

 Assistance with making emergency travel arrangements*

*See carrier plan documents for details

NYL GBS Secure Travel

From the United States and Canada, call (888) 226-4567

From other locations, call collect (202) 331-7635

Email: ops@us.generaliglobalassistance.com

Emergency services must be coordinated through Generali Global Assistance. Services coordinated outside of this program may not be eligible for payment.

Policyholder name: San Diego County Regional Airport Authority Policy #ABL0960106 / Group #57

Time Away From Work

Paid time off policies

There is no perfect, one-size-fits-all balance between work and home. We provide time off so you can take some "me time" to relax, recover from illness, and take care of personal and family business. Our time off benefits include:

 Flexible work schedules

 Paid time off for vacation and illness

 Time off for jury duty and voting

Bereavement leave

Maternity, paternity and adoption leave

Refer to your employee handbook for information on eligibility and specific leave policies.

2026 paid holidays

The Airport Authority provides 14 paid holidays per year for all full-time, benefit eligible employees. Additional holidays may be designated at the company's discretion.

Vacation

The number of vacation days accrued each year is based on your length of service.

Other Leave

Unclassified, veteran fellow and limited employees are eligible for 40 hours of Other Leave each calendar year. (The first year is pro-rated.) Other Leave hours do not roll over–you must use them before the last pay period end date of the calendar year.

Paid Family Leave

Paid family leave enables employees to receive 100% salary continuance for up to 8 weeks when they take time off work for qualifying reasons, such as bonding with a new child or caring for a seriously ill loved one

Retirement Benefits

457 Defined Contribution Plan

This retirement savings program allows you to make pre-tax and/or Roth (post-tax) contributions to your account, which means you will reduce your current income tax while investing in your future financial security. Earnings on your contributions also grow tax-free. The 2026 IRS projected contribution limit is $24,500. However, if you are age 50 or older, or within three years of your normal retirement age, you may make additional “catch-up” contributions to the account. You can elect to contribute at any time, contribute any amount you would like within the IRS limits, and stop contributing at any time.

San Diego City Employee Retirement System (SDCERS)

All full-time employees of the Airport Authority are eligible for membership to join the SDCERS defined benefit plan. The Defined Benefit Plan is a retirement plan in which you contribute throughout your career, and which guarantees you a benefit from the time you retire until your death. Your benefit amount is based on your years of service, age at retirement, and final compensation.

First Generation Plan Members

If you currently participate in the First-Generation Retiree Health Benefits Program, you may elect to waive this benefit during Open Enrollment and participate in the Second-Generation program. Once you waive coverage, the decision is permanent. If you elect to participate in the SecondGeneration program, you will receive an Authority contribution of $1,100 in your first two years of enrollment and $600 per year thereafter.

Work toward your retirement goals.

Retiree-Funded Health Reimbursement Account (R-FHRA) Second Generation Retiree Health Benefits Program

You are automatically enrolled in the SecondGeneration Retiree Health Benefits Program if you are a non-represented employee hired after May 1, 2006, or a represented employee hired after October 1, 2008. The Authority will contribute $600 per year to an R-FHRA. The contribution is deposited in December. You must work the full 12 months prior in order to receive the contribution. The amount is pro-rated for new hires. You do not pay taxes on these contributions.

In addition to the Authority’s contribution, new hires may irrevocably elect to contribute $300 per year to the account within 30 days of their hire date. Once you retire, you may use your R-FHRA funds to pay for out-of-pocket medical expenses.

Cost Of Benefits

Your contributions toward the cost of benefits are automatically deducted from your paycheck before taxes. The amount will depend upon the plan you select and if you choose to cover eligible family members. You must pay some voluntary benefit premiums through direct billing.

Retirement Savings

The important thing is to start now and set aside what you can, even if you think it’s too small an amount.

(company code: PRISM)

Bereavement Support Empathy (201) 350-1881

Child Care Finder App TOOTRiS (858) 780-4033

Empower Retirement (457/401a) Deferred Compensation Plan Eric Winston, Retirement Plan Advisor (951) 404-9112

https://join.empathy.com/sdcraa

tootris.com/sdcraa sdcraa@tootris.com

Eric.winston@empower.com Retirement Plan Advisor (844) 732-7738

www.SDCRAA.empowermytime.com Financial Wellness

Group www.pathwisegroup.com/Employee Legal & Identity Theft Protection Services

Lifestyle Spending Account Espresa (650) 752-6699

Espresa.com Support@espresa.com

Pet Insurance Nationwide Pet Insurance (877) 738-7874 petinsurance.com/sdcraa

Retirement Defined Benefit Plan San Diego City Employees’ Retirement System (SDCERS) (619) 525-3600

Retiree-Funded Health Reimbursement Account (R-HRA) TASC (800) 422-4661

SDCERS.org

https://uba.tasconline.com/login

Benefits Team Airport Authority Ask-ben@san.org

GET PERSONALIZED SUPPORT WITH QUESTIONS – BIG OR SMALL

MyAdvocate360 provides an opportunity to get help with both big and small benefits-related questions.

This confidential, free-of-charge resource can provide:

 Assistance with login credentials and password reset

 Guidance on using the Benxcel 2.0 dashboard

 Customer Service support for confirming benefit eligibility

am – 5:00 pm (PT)

Friday, 6:00 am – 3:00 pm (PT)

Important Plan Information

Health Plan Notices

These notices must be provided to plan participants on an annual basis and are available in the Annual Notices document, located in BenXcel.

 Medicare Part D Notice: Describes options to access prescription drug coverage for Medicare eligible individuals

 Women's Health and Cancer Rights Act: Describes benefits available to those that will or have undergone a mastectomy

 Newborns' and Mothers' Health Protection Act: Describes the rights of mother and newborn to stay in the hospital 48-96 hours after delivery

 HIPAA Notice of Special Enrollment Rights: Describes when you can enroll yourself and/or dependents in health coverage outside of open enrollment

 HIPAA Notice of Privacy Practices: Describes how health information about you may be used and disclosed

 Notice of Choice of Providers: Notifies you that your plan requires you to name a Primary Care Physician (PCP) or provides for you to select one

 Notice of Availability of Alternative Standard for Wellness Plans: Describes right to alternatives ways of participating in employer's wellness program

 Notice Regarding Wellness Program: Describes voluntary nature of wellness program that includes biometrics and/or a Health Risk Assessment (HRA)

 The ‘No Surprises’ Rules: Explains rules that protect you from surprise medical bills.

 Premium Assistance Under Medicaid and the Children's Health Insurance Program (CHIP): Describes availability of premium assistance for Medicaid eligible dependents.

 Nondiscrimination in Health Programs and Activities: Describes nondiscrimination processes and services available to you.

COBRA Continuation Coverage

You and/or your dependents may have the right to continue coverage after you lose eligibility under the terms of our health plan. Upon enrollment, you and your dependents receive a COBRA Initial Notice that outlines the circumstances under which continued coverage is available and your obligations to notify the plan when you or your dependents experience a qualifying event. Please review this notice carefully to make sure you understand your rights and obligations.

IMPORTANT NOTE: This is a summary overview and does not provide a complete description of all benefit provisions. While we've made every effort to make sure that this overview is comprehensive, it cannot provide a complete description of all benefits. Specific details and limitations are provided in the plan documents, such as the Summary of Benefits and Coverage (SBC), Evidence of Coverage (EOC), etc. Plan documents contain relevant provisions and determine how benefits are paid. If the information in this overview differs from the plan documents, the plan documents prevail.