Percheron is pleased to offer a full benefits package to help protect your well-being and financial health.
Read this guide to learn about the benefits available to you and your eligible dependents starting January 1, 2026.
Each year during Open Enrollment, you may make changes to your benefit plans. The benefit choices you make this year will remain in effect through December 31, 2026. Take time to review these benefit options and select the plans that best meet your needs. After Open Enrollment, you may only make changes to your benefit elections if you have a Qualifying Life Event.
WHAT’S INSIDE
If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, federal law gives you more choices for your prescription drug coverage. Please see page 27 for more details.
IMPORTANT CONTACTS
Medical
Allied Choice RBP
833-918-1381
www.alliedbenefit.com
Group #A23104
Allied Health – Aetna
866-455-8727
www.alliedbenefit.com
Group #A23104
Pharmacy
VytlOne
800-687-0707
https://vytlone.com
ElectRx
855-353-2879
info@electrx.com
CANARX
866-893-6337
www.canarx.com
Paydhealth
877-869-7772
Diabetes and Hypertension
Management
Livongo
800-945-4355
https://get.livongo.com/ txhealth/register
Health Care Advocates
Trinity Care Patient Navigator
423-824-2273
free@tcnavigator.com
Medicare Assistance
SmartConnect
888-660-2212
www.smartconnectplan.com/ schedule
Telemedicine
Teladoc
800-Teladoc (835-2362) www.teladoc.com
Health Savings Account
HSA Bank
800-357-6246 www.hsabank.com
Dental
Mutual of Omaha
800-927-9197 www.mutualofomaha.com/ dental
Vision
Mutual of Omaha
833-279-4358 www.mutualofomaha.com/ vision
Life
and
AD&D and Disability
Mutual of Omaha
Life: 800-775-8805
Disability: 800-877-5176
www.mutualofomaha.com
Group #: G000C6JB
Accident, Critical Illness and Hospital Indemnity
Mutual of Omaha
800-877-5176
www.mutualofomaha.com
Group #: G000C6JB
Employee Assistance Program
Mutual of Omaha
800-316-2796
www.mutualofomaha.com/eap
Travel Assistance
Mutual of Omaha
In the U.S.: 800-856-9947
Outside the U.S.: 312-935-3658
Human Resources
Percheron 832-300-6400
benefits@percheronllc.com
Availability of Summary Health Information
Your employee benefits program offers five medical plan options. To help you make an informed choice and compare your options, a Summary of Benefits Coverage (SBC) document for each plan is available by contacting Human Resources.
Percheron HR Service Center
Employee benefits can be complicated. The Percheron HR Service Center, supported by Higginbotham, can assist you with the following:
• Enrollment
• Benefits information
• Claims and billing questions
• Eligibility issues
Call 833-PERC-055 to speak with a representative Monday through Friday from 7:00 a.m. to 6:00 p.m. CT.
If you leave a voicemail message after 3:00 p.m. CT, your call will be returned the next business day.
You can also email questions or requests to PercheronBenefits@higginbotham.net . Bilingual representatives are available.
ELIGIBILITY AND ENROLLMENT
You are eligible for benefits if you are a regular, full-time employee working an average of 30 hours per week. Your coverage is effective on the first of the month following 60 days of employment. You may also enroll eligible dependents for benefits coverage. The cost for coverage depends on the number of dependents you enroll and the benefits you choose. When covering dependents, you must select and be on the same plans.
Eligible Dependents
• Your legal spouse
• Children under the age of 26, regardless of student, dependency, or marital status
• Children over the age of 26 who are fully dependent on you for support due to a mental or physical disability, and who are indicated as such on your federal tax return
Child dependents must be enrolled in the selected plan(s) prior to their 26th birthday to have coverage extended past age 26. This extension is not available to new hires who may have a disabled child over age 26.
Important!
It is your responsibility to notify Human Resources when you experience a Qualifying Life Event. You must do so within 30 days of the date of the event. For birth of a child, you have 60 days from the date of birth to notify Human Resources.
Qualifying Life Events
Your benefit elections remain in effect for the entire plan year until the following Open Enrollment. You may only change coverage during the plan year if you have a Qualifying Life Event such as marriage, divorce, birth or adoption, loss of other coverage, etc. You must notify Human Resources in a timely manner if any of these events occur. Contact Human Resources for a full list of Qualifying Life Events and the notification time frames required for requested changes.
How to Enroll
You will use Paycom to enroll for or make changes to your benefits. To enroll, go online to www.paycom.com and follow these steps:
• Select Employee from the Login drop-down menu, then enter your username, password, and the last four digits of your Social Security number and select Log In
• Select 2026 Benefit Enrollment under My Benefits and then Start Enrollment
• Update your personal information and add your dependents.
• When enrolling dependents for coverage, Paycom requires verification documents to proceed. Acceptable documents include birth certificate, marriage license, adoption paperwork, and proof of legal guardianship.
• Make your benefit election(s) and click Enroll or Decline.
• The Benefit Plan Selection Review screen will appear. Please review your benefit elections. Once you are satisfied with your elections, check Complete Enrollment, then confirm by clicking OK.
• When you are ready to complete your enrollment, click Sign and Submit.
If you need a password reset or have questions, contact Human Resources at hr@percheronllc.com.
Our medical plan options protect you and your family from major financial hardship in the event of illness or injury.
You have a choice of the following plans offered directly through Allied Health , who partners with various carrier provider networks to deliver your care.
Medical Plans Using the Aetna Network
These plans offer benefits for health care received from providers who are in- or out-of-network.
• Shire Plan – This plan is a PPO with a $500 individual network deductible and a $1,000 family network deductible.
• Friesian Plan – This plan is a PPO with a $1,500 individual network deductible and a $3,000 family network deductible.
• Jutland Plan – This plan is an HDHP with a $5,000 individual network deductible and a $10,000 family network deductible.
Medical Plans Using Any Provider of Your Choice
These plans do not require you to use a provider network for care.
• Belgian Choice Plan – This plan has no deductibles.
• Clydesdale Choice Plan – This plan has a $3,400 individual deductible and a $6,800 family deductible.
Health Plan Descriptions
Preferred
Provider Organization (PPO) (Shire and Friesian Plans)
A PPO plan allows you to see any provider when you need care. When you see in-network providers for care, you will pay less and get the highest level of benefits. You will pay more for care if you use out-of-network providers. When you see in-network providers, your office visits, urgent care visits, and prescription drugs are covered with a copay, and most other network services are covered at the coinsurance level.
High Deductible Health Plan (HDHP) (Jutland Plan)
An HDHP also allows you to see any provider when you need care, but you will pay less for care when you go to in-network providers. In exchange for a lower perpaycheck cost for medical benefits, you must satisfy a higher plan deductible that applies to almost all health care expenses, including prescription drugs. If you enroll in the HDHP, you may be eligible to open a Health Savings Account (see page 15).
Allied Health Choice Plans (RBP) (Belgian Choice and Clydesdale Choice Plans)
The Allied Health Choice plans allow you to freely choose between providers and facilities rather than being restricted to a network. The plans focus on having quality health care providers who are paid a mutually agreed upon benchmark or referenced price for services rendered versus a discount off their normal billed charges. The plans work with your doctor and negotiate a fair price for services rendered.
Find an Aetna Signature Network Provider
Call 866-455-8727 or visit www.alliedbenefit.com for in-network
provider information, claims support, benefit details and more.
Be sure your physician verifies eligibility with Allied (not Aetna).
Need Help Finding a Doctor?
The Allied Health Choice plans do not have a network. However, if you would like help finding a quality, low-cost provider, call Allied Health at 833-918-1381 for assistance.
$0 Cost X-ray and Imaging Services
Green Imaging provides diagnostic imaging services to you for FREE. If your doctor prescribes a diagnostic imaging service (e.g., X-ray, CT scan, MRI, etc.), ask Green Imaging to schedule the procedure. This service is only available if you enroll in one of our PPO medical plans. If you need X-rays or imaging, you may choose to use either Green Imaging or the diagnostic benefits that come with your medical plan.
Green Imaging Services
• MRI
• CT scan
• PET
• Ultrasound
• Nuclear medicine
How Green Imaging Works
• Mammography
• DXA
• X-ray
• Arthrogram
• Echocardiogram
• Ask your doctor to fax the medical request to 866-653-0882
• Then, contact Green Imaging to schedule an appointment and request a voucher. You will need to provide some personal information, your physician’s order (a photo of it if texting) and your group name.
• Green Imaging will schedule your appointment and send you a voucher to bring to your appointment. Green Imaging will then take your X-rays or images and send the medical report to your Green Imaging account and to your doctor.
How it Works
What
to
Do When You Need Medical Care
• Check the Allied Health website to confirm your provider is in the Aetna Signature network.
• Schedule your appointment.
• Show your Allied ID card on the day of your appointment.
• Review the Explanation of Benefits (EOB) for the amount you will owe.
• Compare the EOB amount to the invoice you receive from your provider.
• If the EOB does not match the invoice, contact Allied Advocates at 866-455-8727 to resolve the issue.
• Call Allied at 833-918-1381 if you need help selecting a high-quality, low-cost provider.
• Make the appointment with the provider.
• Show your Allied ID card on the day of your appointment.
• Review the EOB you receive for the amount you will owe.
• Compare the EOB amount to the invoice you receive from your provider.
• If the EOB does not match the invoice, contact Allied Advocates at 833-918-1381 to resolve the issue.
Help With Benefits and Claims Issues
The Allied Advocates team is available to help you find providers, answer benefit questions, and help resolve claims and billing issues. Advocates help you better understand and use your benefits for your health care needs. Once you see a doctor, Allied Advocates can review your claims for accuracy and help resolve potential claims issues. For assistance, call Allied Advocates at 833–918–1381 or visit www.alliedbenefit.com
Aetna Plans
Allied Choice Health Plans
PRESCRIPTION DRUGS
VytlOne
If you are enrolled in the medical plan, you are also enrolled in the prescription drug program. VytlOne is our pharmacy benefit provider. Your cost for prescription drugs is determined by the tier assigned to the prescription drug product. Several categories of drugs are subject to prior authorization, step therapy and/or quantity limits. If you take a maintenance medication, you may be eligible for the mail order program. This program allows you to purchase up to a 90-day supply of maintenance medications and have them delivered to your home or work. Maintenance medications are those that you take routinely. If interested in this program, visit https://vytlone.com for details.
Contact VytlOne
• Call Member Customer Service or Rx Help Desk – 800-687-0707
• Online – https://vytlone.com
• BIN – 005377
• PCN – 10000019
If you participate in one of these plans, you could pay $0 for prescriptions!
In addition to the prescription drug benefits that are included in the medical plan offerings, we are making the following prescription programs available to you.
The programs and services below are designed to save you time and money, especially if you or a loved one is on a maintenance or specialty drug. Choose the program and services that are right for your needs and enjoy the convenience they afford you.
ElectRx Mail Order Program
ElectRx International mail order program offers savings on certain specialty prescription drugs and diabetes medications such as Humira, Stelara, Trulicity, Ozempic, and others. Your copay is waived and you pay $0 for all drugs on the ElectRx formulary. As a member, you will receive a $200 gift card when you enroll.
How to Use the Program
• Mail – If your drug is in the ElectRx formulary and you have taken it for at least 30 days without complications, you can send a prescription for it to ElectRx.
• Fax – Have your doctor write a prescription with three refills and fax it to ElectRx at 833-353-2879
• Call – Call a Customer Service representative to enroll at 855-353-2879. You will be asked several questions related to your medical condition (e.g., known allergies and current prescriptions).
Allow up to four weeks for delivery for new medications. ElectRx will call you prior to each refill to ensure you have a continuous supply of medication and send you refill notices. Shipping for refills takes up to 15 business days from the date of completed requirements.
• Rx Group – #A23104 Contact ElectRx
• Call – 855-353-2879
• Email – info@electrx.com
• Fax – 833-353-2879
PRESCRIPTION DRUGS
Fill your first prescription with CANARX and/or ElectRx and get a $200 gift card.
CANARX Mail Order
Prescription Program
CANARX provides access to free brand-name maintenance medications for you and your eligible dependents.
CANARX Highlights
• $0 copay
• Three-month supply with three refills
• Free shipping directly to your home
• No out-of-pocket costs
How CANARX Works
If your prescription is available through the CANARX formulary of more than 400 brand name drugs and you have taken the medication for at least 30 days without complications, then you can send CANARX your prescription to fill.
Paydhealth Specialty Rx Program
We understand the financial burden that specialty medications can place on you or your family. If you or a loved one is on a specialty drug or product, Paydhealth will contact you to provide support and financial case management to help with that burden.
Contact CANARX
• Call – 866-893-6337
• Fax – 866-715-6337
• Online – www.canarx.com Web ID: Percheron
Step 1 – Ask your doctor for a three-month supply of your maintenance medication with three refills.
Step 2 – Download and complete an enrollment form from www.canarx.com and then either:
• Mail the enrollment form with your original prescription and ID to CANARX; or
• Upload the enrollment form, original prescription, and your ID securely online
Step 3 – CANARX will call you and review your order.
Step 4 – A licensed and regulated pharmacy will ship your medication to you. Allow up to four weeks for delivery when ordering new medications.
Step 5 – CANARX will call you prior to each refill to ensure you have a continuous supply of medication.
Submit your completed and signed enrollment form, original prescription and ID:
• By Mail: CANARX P.O. Box 3009 Windsor, ON Canada N8N 2M3
• By Secure Upload: www.canarxdocs.com
If Paydhealth contacts you about the Select Drugs and Products Program, you must participate in the program for your medication to be covered. As a participant, you may qualify to pay little or no out-of-pocket cost if your medication is one of the 400 eligible prescriptions. All products included in the program require prior authorization. Your doctor must provide any information needed for this authorization. The Paydhealth pharmacy team will coordinate with the specialty pharmacy, but some critical information will need to be provided by you as well.
If you are being treated with a brand name medication for rheumatoid arthritis, cancer, multiple sclerosis, or other conditions typically treated by a specialist, consider proactively contacting Paydhealth to enroll in the Select Drugs and Products Program.
If no patient assistance is available, your prescription will be filled through Maxor Specialty Pharmacy. After you have been on your medication for at least 30 days, you may choose the voluntary ElectRx or CANARX International program, and your copay will be $0.
Call Paydhealth to speak to a case coordinator toll-free at 877-869-7772 from 8:00 a.m. to 5:00 p.m. CT for details.
PaydHealth is available for all plans. CANARX and ElectRx are only for the Shire, Friesian, and Belgian Choice plans.
ADDITIONAL BENEFITS
Livongo
Livongo offers digital solution programs to help you manage chronic diabetes and high blood pressure (hypertension). Participation is FREE and available to you and your family members.
Diabetes Management Program
Manage type 1 and type 2 diabetes by using:
• Livongo’s advanced blood glucose meter – Get immediate feedback and alert loved ones in real time (using a cellular connection) when your blood glucose is too high or low.
• Unlimited strips and lancets – Livongo ships supplies to you at NO COST.
• Real-time tips and support – Get 24/7 support if your glucose is not in range or if you want tips on diabetes management.
High Blood Pressure Management Program
Livongo offers personal support by monitoring your blood pressure using:
• A wireless, connected blood pressure cuff
• Support and coaching with licensed professionals 24/7
• Notifications and reminders for high blood pressure readings
Health care is confusing and finding the right care for the best cost is not easy. That is why Percheron offers Trinity Care as your personal health care advocate.
Your Trinity Care advocate
will:
For more information and to get started with Trinity Care, call 423-824-2273 or email Free@TCNavigator.com.
• Help you find providers for a variety of services such as surgeries, durable medical equipment, physical therapy, colonoscopies and endoscopies, maternity services, and more at no cost to you.
• Navigate treatment options, coordinate care, and access necessary resources. You pay nothing for a scheduled service or procedure through Trinity Care.
• Explain benefits, claims, medical terms, billing, and more.
• Arrange second opinions.
SmartConnect Medicare Assistance
SmartConnect is a specialized program designed for working or retiring adults, as well as their family members, who are eligible for Medicare and may not have fully explored the advantages of Medicare coverage. As an independent Medicare agency, Percheron has partnered with SmartConnect to help you research, compare, and purchase Medicare insurance plans – and SmartConnect does the work for you. With Open Enrollment approaching, this valuable service is available to anyone age 64½ or older, or otherwise eligible for Medicare, including your family members.
Explore Options or Learn More
• Phone – 888-660-2212
• Online – www.smartconnectplan.com/schedule
Q.I am confused when to call Aetna or Allied Health. Can you help?
A. Always call Allied Health (not Aetna) because all five of our medical plans are administered by them. Allied Health rents the Aetna provider network for you to use. Allied Health is the entity that pays your claims and generates your EOBs.
Q.What is a deductible and how does that work alongside the coinsurance and copays?
A. Deductibles, copays and coinsurance are your portion of the health care expenses you pay when you use the medical plan. Different services apply to the deductible/coinsurance and a copayment. See the Glossary of Terms on page 26 for details.
Q.What is the difference between all the prescription drug programs?
A. Our drug plan is designed to limit out-of-pocket costs.
MaxorPlus is for retail prescriptions. You pay a drug copay if you are on the Shire, Friesian, or Belgian plans. However, Percheron offers two voluntary international drug programs that have no charge for maintenance medications. Enroll in these programs to have all of your drug copays waived.
CANARX is for brand name medications. Get a three-month supply at no charge.
ElectRx is for specialty medications. Get a 90-day supply at no charge.
As a member, you will receive a $200 gift card when you enroll.
If you take a high-cost specialty medication, Paydhealth is a patient assistance program that searches for coupon programs offered by pharmaceutical companies and grants offered by charities to cover your medication. This program only applies to about 400 select drugs, and you must follow the program if you are identified as eligible.
Q.How do I see a specialist if I am in the RBP plan?
A. Ensure the specialist knows your benefits. Allied Advocates can check if it has ever received claims from that specialist, and/ or can contact and review the RBP benefits program with that doctor. The team can also give you a list of specialists who do accept the program. You can always use the physician of your choice and submit a claim for reimbursement.
Q.Why can’t I pay $0 to use Green Imaging if I am in the HDHP plan?
A. As an HDHP medical plan member, the IRS will allow only preventive care services to have no deductible. However, you may ask Green Imaging about cash pay options. You will not get credit toward your medical deductible, but you may use your HSA to pay for the lower, discounted cost.
Q.
Q.
I am on the RBP plan but my doctor does not accept this insurance. What do I do?
A. If your doctor does not accept the reimbursement program levels and will not file a claim for you, you must pay the bill and submit a claim for reimbursement. However, the reimbursement will be limited to the amount that is paid to providers who do accept the allowable amount.
Why am I being charged for preventive lab services if they are 100% covered?
A. Preventive lab services are covered at 100% under all five medical plans. However, if your doctor orders a test to rule out a suspected medical condition, the test is diagnostic, not preventive, and a cost will apply.
You pay $0 for virtual care!
Your medical coverage offers telemedicine services through Teladoc . Connect anytime day or night with a board-certified doctor via your mobile device or computer for $0 copay under all medical plans.
When to Use Teladoc
While telemedicine does not replace your primary care physician, it is a convenient and cost-effective option when you need care and:
• Have a non-emergency issue and are considering an after-hours health care clinic, urgent care clinic, or emergency room for treatment
• Are on a business trip, vacation, or away from home
• Are unable to see your primary care physician
Use telemedicine services for minor conditions such as:
• Sore throat
• Headache
• Stomachache
• Cold
• Flu
• Allergies
• Fever
• Urinary tract infections
Do not use telemedicine for serious or life-threatening emergencies.
Registration is Easy
A Teladoc doctor is always just a call or click away.
• Online – www.teladoc.com
• Phone – 800-Teladoc (835-2362)
• Mobile – Download the Teladoc member app to your smartphone or mobile device.
Go to www.alliedbenefit.com for claims, benefits, etc.
HEALTH SAVINGS ACCOUNT
A Health Savings Account (HSA) is more than a way to help you and your family cover current medical costs – it is also a tax-exempt tool to supplement your retirement savings and to cover future health costs.
An HSA is a type of personal savings account that is always yours even if you change health plans or jobs. The money in your HSA (including interest and investment earnings) grows taxfree and spends tax-free if used to pay for current or future qualified medical expenses. There is no use it or lose it rule — you do not lose your money if you do not spend it in the calendar year — and there are no vesting requirements or forfeiture provisions. The account automatically rolls over year after year.
If you contribute a minimum of $15.38 per paycheck to an HSA account, Percheron will also contribute per paycheck, for an annual amount of $400 for individual coverage and $800 for family coverage.
HSA Eligibility
You are eligible to open and contribute to an HSA if you are:
• Enrolled in an HSA-eligible HDHP (Jutland Plan or Clydesdale Choice Plan)
• Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan
• Not enrolled in a Health Care Flexible Spending Account
• Not eligible to be claimed as a dependent on someone else’s tax return
• Not enrolled in Medicare or TRICARE
• Not receiving Veterans Administration benefits
You can also use HSA funds to pay health care expenses for your dependents, even if they are not covered by the HDHP. Refer to IRS Publication 502 Medical and Dental Expenses at www.irs.gov for complete details.
Maximum Contributions
Your HSA contributions may not exceed the annual maximum amount established by the Internal Revenue Service. The annual contribution maximum is based on the coverage option you elect and includes the company match.
You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use. If you are 55 or older, you may make a yearly catch-up contribution of up to $1,000 to your HSA. If you turn 55 at anytime during the plan year, you are eligible to make the catch-up contribution for the entire plan year.
Opening an HSA
If you meet the eligibility requirements, you may open an HSA administered by HSA Bank. You will receive a debit card to manage your HSA account reimbursements. Keep in mind, available funds are limited to the balance in your HSA.
Important HSA Information
• If you have or enroll in an HSA, you must have a designated beneficiary on file at HSA Bank.
• Always ask your health care provider to file claims with your medical provider so network discounts can be applied. You can pay the provider with your HSA debit card based on the balance due after discount.
• You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit.
• You may open an HSA at the financial institution of your choice, but only accounts opened through HSA Bank are eligible for automatic payroll deduction and company contributions.
Our dental plans help you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work. Coverage is provided through Mutual of Omaha.
DPPO Plans
Two Dental Preferred Provider Organization (PPO) plans are available, and they both offer in-network and out-of-network benefits. You may see any dental provider for care, but you will pay less and get the highest level of benefits with in-network providers. You may pay more if you use out-of-network providers because they can “balance bill” you for any difference between their charge and what the plan pays.
Dental Plan Comparison
Dental Rollover
If you have at least one cleaning and exam in a policy year, but spend less than 50% of the policy year maximum benefit, you can roll over 25% of the policy year maximum to the next year. The rollover is automatically administered and can grow up to two times the policy annual maximum benefit.
Example A Example B
You have a $1,500 annual maximum. In a plan year, you get two cleanings, two exams, and X-rays totaling $200. You can roll over $375, or 25% of the policy year maximum.
You have a $1,500 annual maximum. In a plan year, you get a cleaning and exam, and two root canals, totaling $900. The rollover does not apply because you spent more than 50% of your policy year maximum.
VISION
Visit www.mutualofomaha.com/vision or call 833-279-4358
Our vision plan offers quality care to help preserve your health and eyesight. Regular exams can detect certain medical issues such as diabetes and high cholesterol, in addition to vision and eye problems.
You may seek care from any vision provider, but the plan will pay the highest level of benefits when you see an in-network provider. Coverage is provided through Mutual of Omaha using the EyeMed Insight network.
Vision Benefit Frequency
• Exam – Once every 12 months
• Lenses – Once every 12 months
• Frames – Once every 24 months
• Contacts – Once every 12 months
Online Vision Resource
To easily check your vision benefits, get claims history, find a provider, access forms, or submit a claim online, create an account on www.mutualofomaha.com/vision . Call Customer Service at 833-279-4358 or get the EyeMed Members App for the most convenience.
Vision Plan Summary
VISION BENEFITS
Exam Options
Retinal Imaging
Standard Contact Lens Fit and Follow-up
Premium Contact Lens Fit and Follow-up
LENSES*
Materials Copay
Single Vision Bifocals
Trifocals
Lenticular
Standard Progressive
Lens Options
UV Coating
Tint (Solid and Gradient)
Standard Scratch Coating
Standard Polycarbonate
Standard Anti-reflective
Photochromic - Transitions
Other Add-ons
CONTACTS
In lieu of frames and lenses
Necessary
* Copay covers lens itself. Any enhancements to the lens are additional cost.
LIFE AND AD&D
Life and Accidental Death and Dismemberment (AD&D) insurance through Mutual of Omaha is important to financial security, especially if others depend on you for support or vice versa.
With Life insurance, you or your beneficiary(ies) can use the coverage to pay off debts such as credit cards, loans, and bills. AD&D coverage provides specific benefits if an accident causes bodily harm or loss (e.g., the loss of a hand, foot, or eye). If death occurs from an accident, 100% of the AD&D benefit would be paid to you or your beneficiary(ies). Life and AD&D coverage amounts reduce by 35% at age 65, and by 50% at age 70.
Designating a Beneficiary
Basic Life and AD&D
Basic Life and AD&D insurance are provided at no cost to you. You are automatically covered at $15,000 for each benefit if you are enrolled in one of our Percheron medical plans.
Voluntary Life and AD&D
You may buy more Life and AD&D insurance for you and your eligible dependents. You must elect Voluntary Life and AD&D coverage for yourself before you may elect coverage for your spouse or children. If you leave the company, you may be able to take the insurance with you1.
A beneficiary is the person or entity you elect to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary and you can change beneficiaries at anytime. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%). If you elect spouse/child life coverage, you must be the designated beneficiary for that policy.
DISABILITY
Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. The company provides Short Term Disability (STD) at no cost to you , and we offer Voluntary Long Term Disability (LTD) insurance for you to purchase through Mutual of Omaha .
Short Term Disability
STD coverage pays a percentage of your weekly salary if you are temporarily disabled and unable to work due to an illness, non-work-related injury or pregnancy. STD benefits are not payable if the disability is due to a job-related injury or illness. If a medical condition is job-related, it is considered workers’ compensation, not STD.
Long Term Disability
Voluntary LTD insurance pays a percentage of your monthly salary for a covered disability or injury that prevents you from working for more than 90 days. Benefits begin at the end of an elimination period and continue while you are disabled up to Social Security Normal Retirement Age (SSNRA), whichever is less. This plan is voluntary and employees are responsible for paying the premiums.
*Benefits may not be paid for any condition treated within three months prior to your effective date until you have been covered under this plan for 12 months.
SUPPLEMENTAL BENEFITS
You have the opportunity to enroll in additional coverage from Mutual of Omaha that complements our traditional health care programs.
Health insurance covers medical bills, but if you have an emergency, you may face unexpected outof-pocket costs such as deductibles, coinsurance, travel expenses, and non-medical expenses. These voluntary benefit plans are portable, meaning you may continue coverage if you leave the company.
For a full list of coverage for each plan and specific benefit information, refer to the applicable insurance contract.
Supplemental benefits can only be elected during New Hire or Open Enrollment. You cannot elect this coverage if you have a Qualifying Life Event during the year if you initially waived this coverage when it was first offered to you.
SUPPLEMENTAL BENEFITS
Accident Insurance
Accident insurance provides affordable protection against a sudden, unforeseen accident. An Accident plan helps offset the direct and indirect expenses resulting from an accident such as copayments, deductible, ambulance, physical therapy, and other costs not covered by traditional health plans. Lump-sum benefits are paid directly to you based on the amount of coverage listed in the schedule of benefits. No health questions are required to enroll. Some examples of covered accidents and benefit amounts you will receive include:
Hospital Indemnity Insurance
The Hospital Indemnity plan from Mutual of Omaha helps with the high cost of medical care by paying you a set amount when you have an inpatient hospital stay. Unlike traditional insurance, which pays a benefit to the hospital or doctor, this plan pays you directly based on the care or treatment you receive. These costs may include meals and transportation, childcare, or time away from work due to a medical issue that requires hospitalization.
Some examples of covered incidents and benefit amounts you will receive include:
SUPPLEMENTAL BENEFITS
Critical Illness Insurance
Critical Illness insurance helps pay the cost of non-medical expenses related to a covered critical illness or cancer. The plan provides a lump-sum benefit payment to you upon first diagnosis. A one-time reoccurrence benefit may be available when reoccurrence occurs at least 12 months after initial diagnosis of any covered critical illness or cancer. The benefit can help cover expenses such as lost income, out-of-town treatments, special diets, daily living, and household upkeep costs. The benefit is based on the amount of coverage in effect on the date of diagnosis or the date treatment is received. Benefits reduce at age 70. Reduction is effective first of the month following birth date. See policy terms and provisions for details.
Some examples of conditions and benefit amounts you will receive include:
Note
If you enroll in the Jutland or Clydesdale Choice medical plans, you will automatically receive a $5,000 benefit amount for employee only coverage at no cost to you.
Critical Illness Monthly Premium for $1,000 of Coverage
MUTUAL OF OMAHA VALUE-ADDED PROGRAMS
As a Mutual of Omaha member, you have the following value-added programs available to you and your eligible dependents at no cost to you .
Employee Assistance Program (EAP)
The EAP is a confidential program to help you find solutions for personal or workplace issues. Benefits for you and your eligible dependents include unlimited telephone access to EAP professionals and up to three face-to-face sessions with a counselor, including legal consultations. There are professionals available 24/7 to help with the following:
• Stress/depression
• Financial issues
• Family/relationship issues
• Drug/alcohol abuse
• Grief issues
• Parenting/eldercare
• Other personal concerns
For assistance, call 800-316-2796 or visit them online at www.mutualofomaha.com/eap .
Hearing Discount
As part of your Disability coverage, Mutual of Omaha offers a hearing discount program at no additional cost to you. This program gives you access to a free hearing test, low-price guarantee, 60-day risk-free trial period and two years of batteries with purchase.
To activate your benefit, call 888-534-1747. A patient care advocate will assist you in finding a hearing care provider near you and help schedule an appointment for a free hearing screening. To learn more visit www.amplifonusa.com/mutualofomaha.
Worldwide Travel Assistance
This program provides travel assistance for you and your dependents if you are traveling on any single trip more than 100 miles from home, up to 120 days in length. Representatives can help with trip planning or assist in an emergency while traveling. They can find translation, interpreter or legal services, and they can also assist with lost baggage, emergency funds, document replacement and more. Services are available for business and personal travel. For inquiries within the U.S., call 800-856-9947. Outside the U.S. call 312-935-3658
Identity Theft Services
Identity Theft Assistance, provided by AXA Assistance, helps you understand the risks of identity theft, learn how to prevent it, and get connected with the resources you need if your information is compromised. Access Identity Theft Assistance services by calling AXA Assistance at 800-856-9947
Will Preparation
Creating a will is an important investment in your future. In just minutes, you can create a personalized will that keeps your information safe and secure. These services through Epoq offer a secure account space to prepare wills and other legal documents from the comfort of your own home. Log in at www.willprepservices.com and use the code MUTUALWILLS to register.
2026 Benefit Cost Per Pay Period (26 pay cycles per year)
The Corporate Office will be closed on the following holidays:
• New Year’s Day
Thursday, January 1
• Memorial Day
Monday, May 25
• Independence Day
Friday, July 3
• Labor Day
Monday, September 7
• Thanksgiving Day
Thursday, November 26
• Friday after Thanksgiving Friday, November 27
• Christmas Eve
Thursday, December 24
• Christmas Day Friday, December 25
9/26/2026 10/9/2026 10/23/2026
10/10/2026 10/23/2026 11/6/2026
10/24/2026 11/6/2026 11/20/2026
11/7/2026 11/20/2026 12/4/2026
GLOSSARY OF TERMS
Beneficiary – Who will receive a benefit in the event of the insured’s death. A policy may have more than one beneficiary.
Coinsurance – Your share of the cost of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service, typically after you meet your deductible.
Copay – The fixed amount you pay for health care services received.
Deductible – The amount you owe for health care services before your health insurance begins to pay its portion. For example, if your deductible is $1,000, your plan does not pay anything until you meet your $1,000 deductible for covered health care services. The deductible may not apply to all services, including preventive care.
Employee Contribution – The amount you pay for your insurance coverage.
Employer Contribution – The amount Percheron contributes to the cost of your benefits.
Explanation of Benefits (EOB) – A statement sent by your insurance carrier that explains which procedures and services were provided, how much they cost, what portion of the claim was paid by the plan, what portion of the claim is your responsibility and information on how you can appeal the insurer’s decision. These statements are also posted on the carrier’s website for your review.
Flexible Spending Account (FSA) – An option that allows participants to set aside pretax dollars to pay for certain qualified expenses during a specific time period (usually a 12-month period).
Generic Drugs – Drugs approved by the U.S. Food and Drug Administration (FDA) to be chemically identical to corresponding brand name versions. The color or flavor of a generic medicine may be different, but the active ingredient is the same. Generic drugs are usually the most cost-effective version of any medication.
Health Savings Account (HSA) – A personal savings account that allows you to pay for qualified medical expenses with pretax dollars.
High Deductible Health Plan (HDHP) – A medical plan with a higher deductible in exchange for a lower monthly premium. You must meet the annual deductible before any benefits are paid by the plan.
In-Network – Doctors, hospitals and other providers that contract with your insurance company to provide health care services at discounted rates.
Out-of-Network – Doctors, hospitals and other providers that are not contracted with your insurance company. If you choose an out-ofnetwork provider, you may be responsible for costs over the amount allowed by your insurance carrier.
Out-of-Pocket Maximum – Also known as an out-of-pocket limit. The most you pay during a policy period (usually a 12-month period) before your health insurance or plan begins to pay 100% of the allowed amount. The limit does not include your premium, charges beyond the Reasonable & Customary Allowance (R&C) or health care your plan does not cover. Check with your health insurance carrier to confirm what payments apply to the out-of-pocket maximum.
Over-the-Counter
(OTC) Medications –
Medications typically made available without a prescription.
Prescription Medications – Medications
prescribed by a doctor. Cost of these medications is determined by their assigned tier.
Preventive Care – The care you receive to prevent illness or disease. It also includes counseling to prevent health problems.
Reasonable and Customary Allowance (R&C)
–
Also known as an eligible expense or the Usual and Customary (U&C). The amount your insurance company will pay for a medical service in a geographic region based on what providers in the area usually charge for the same or similar medical service.
SSNRA – Social Security Normal Retirement Age.
IMPORTANT NOTICES
WOMEN’S HEALTH AND CANCER RIGHTS ACT OF 1998
In October 1998, Congress enacted the Women’s Health and Cancer Rights Act of 1998. This notice explains some important provisions of the Act. Please review this information carefully.
As specified in the Women’s Health and Cancer Rights Act, a plan participant or beneficiary who elects breast reconstruction in connection with a mastectomy is also entitled to the following benefits:
• 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; and
• Prostheses and treatment of physical complications of the mastectomy, including lymphedema.
Health plans must determine the manner of coverage in consultation with the attending physician and the patient. Coverage for breast reconstruction and related services may be subject to deductibles and coinsurance amounts that are consistent with those that apply to other benefits under the plan.
SPECIAL ENROLLMENT RIGHTS
This notice is being provided to ensure that you understand your right to apply for group health insurance coverage. You should read this notice even if you plan to waive coverage at this time.
Loss of Other Coverage or Becoming Eligible for Medicaid or a state Children’s Health Insurance Program (CHIP)
If you are declining coverage for yourself or your dependents because of other 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). However, you must enroll within 31 days after your or your dependents’ other coverage ends (or after the employer that sponsors that coverage stops contributing toward the other coverage).
If you or your dependents lose eligibility under a Medicaid plan or CHIP, or if you or your dependents become eligible for a subsidy under Medicaid or CHIP, you may be able to enroll yourself and your dependents in this plan. You must provide notification within 60 days after you or your dependent is terminated from, or determined to be eligible for, such assistance.
Marriage, Birth or Adoption
If you have a new dependent as a result of a marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must enroll within 31 days after the marriage, birth, or placement for adoption.
For More Information or Assistance
To request special enrollment or obtain more information, contact:
Percheron Holdings, LLC
dba Percheron Professional Services, LLC Human Resources
1904 W. Grand Parkway N, Suite 200 Katy, TX 77449
832-300-6400
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 Percheron Holdings, LLC dba Percheron Professional Services, LLC and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to enroll in 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 the 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 through a Medicare Prescription Drug Plan or a Medicare Advantage Plan that offers prescription drug coverage. All Medicare prescription 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. Percheron Holdings, LLC dba Percheron Professional Services, LLC has determined that the prescription drug coverage offered by the Percheron Holdings, LLC dba Percheron Professional Services, LLC medical plan is, on average for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage pays and is considered Creditable Coverage.
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 prescription drug plan, as long as you later enroll within specific time periods.
You can enroll in a Medicare prescription drug plan when you first become eligible for Medicare. If you decide to wait to enroll in a Medicare prescription 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).
You should compare your current coverage, including which drugs are covered at what cost, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area. See the 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 Percheron Holdings, LLC dba Percheron Professional Services, LLC at the phone number or address listed at the end of this section.
If you choose to enroll in a Medicare prescription drug plan and cancel your current Percheron Holdings, LLC dba Percheron Professional Services, LLC 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.
If you cancel or lose your current coverage and do not have prescription drug coverage for 63 days or longer prior to enrolling in the Medicare prescription drug coverage, your monthly premium will be at least 1% per month greater for every month that you did not have coverage for as long as you have Medicare prescription drug coverage. For example, if nineteen months lapse without coverage, your premium will always be at least 19% higher than it would have been without the lapse in coverage.
For more information about this notice or your current prescription drug coverage:
Contact the Human Resources Department at 832-300-6400.
NOTE: You will receive this notice annually and at other times in the future, such as before the next period you can enroll in Medicare prescription drug coverage and if this coverage changes. You may also 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 will get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. For more information about Medicare prescription drug coverage:
• Visit www.medicare.gov
• 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 1-800-MEDICARE (1-800-633-4227). TTY users should call 877-486-2048
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. Information about this extra help is available from the Social Security Administration (SSA) online at www.socialsecurity.gov, or you can call them at 800-7721213 . TTY users should call 800-325-0778 .
Remember: Keep this Creditable Coverage notice. If you enroll in one of the new plans approved by Medicare which offer prescription drug coverage, 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).
January 1, 2026
Percheron Holdings, LLC
dba Percheron Professional Services, LLC
Human Resources
1904 W. Grand Parkway N, Suite 200 Katy, TX 77449
832-300-6400
NOTICE OF HIPAA PRIVACY PRACTICES
This notice describes how medical information about you may be used and disclosed and how you can access this information. Please review it carefully.
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) imposes numerous requirements on employer health plans concerning the use and disclosure of individual health information. This information known as protected health information (PHI), includes virtually all individually identifiable health information held by a health plan – whether received in writing, in an electronic medium or as oral communication. This notice describes the privacy practices of the Employee Benefits Plan (referred to in this notice as the Plan), sponsored by Percheron Holdings, LLC dba Percheron Professional Services, LLC , hereinafter referred to as the plan sponsor.
The Plan is required by law to maintain the privacy of your health information and to provide you with this notice of the Plan’s legal duties and privacy practices with respect to your health information. It is important to note that these rules apply to the Plan, not the plan sponsor as an employer.
You have the right to inspect and copy protected health information which is maintained by and for the Plan for enrollment, payment, claims and case management. If you feel that protected health information about you is incorrect or incomplete, you may ask the Human Resources Department to amend the information. For a full copy of the Notice of Privacy Practices describing how protected health information about you may be used and disclosed and how you can get access to the information, contact the Human Resources Department.
Complaints: If you believe your privacy rights have been violated, you may complain to the Plan and to the Secretary of Health and Human Services. You will not be retaliated against for filing a complaint. To file a complaint, please contact the Privacy Officer.
Percheron Holdings, LLC
dba Percheron Professional Services, LLC
Human Resources
1904 W. Grand Parkway N, Suite 200 Katy, TX 77449 832-300-6400
Conclusion
PHI use and disclosure by the Plan is regulated by a federal law known as HIPAA (the Health Insurance Portability and Accountability Act). You may find these rules at 45 Code of Federal Regulations Parts 160 and 164. The Plan intends to comply with these regulations. This Notice attempts to summarize the regulations. The regulations will supersede any discrepancy between the information in this Notice and the regulations.
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 www. healthcare.gov
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 1-877KIDS NOW or www.insurekidsnow.gov 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 www.askebsa.dol.gov or call 1-866-444-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 July 31, 2025. Contact your State for more information on eligibility.
To see if any other States have added a premium assistance program since July 31, 2025 , or for more information on special enrollment rights, can contact either:
U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272)
U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565
CONTINUATION OF COVERAGE RIGHTS UNDER COBRA
Under the Federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), if you are covered under the Percheron Holdings, LLC dba Percheron Professional Services, LLC group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the Percheron Holdings, LLC dba Percheron Professional Services, LLC plan after you have left employment with the company. If you wish to elect COBRA coverage, contact your Human Resources Department for the applicable deadlines to elect coverage and pay the initial premium.
Plan Contact Information
Percheron Holdings, LLC dba Percheron Professional Services, LLC Human Resources 1904 W. Grand Parkway N, Suite 200 Katy, TX 77449 832-300-6400
YOUR RIGHTS AND PROTECTIONS
AGAINST SURPRISE MEDICAL BILLS
When you get emergency care or get treated by an out-ofnetwork provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.
What is “balance billing” (sometimes called “surprise billing”)?
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.
“Out-of-network” describes providers and facilities that have not signed a contract with your health plan. Out-ofnetwork providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.
“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care— like when you have an emergency or when you schedule a visit at an in- network facility but are unexpectedly treated by an out-of-network provider.
You are protected from balance billing for:
• Emergency services – If you have an emergency medical condition and get emergency services from an out-ofnetwork provider or facility, the most the provider or facility may bill you is your plan’s in- network cost-sharing amount (such as copayments and coinsurance). You cannot be balance billed for these emergency services. This includes services you may get after you are in stable condition, unless you give written consent and give up your protections not to be balanced billed for these poststabilization services.
• Certain services at an in-network hospital or ambulatory surgical center – When you get services from an innetwork hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s innetwork cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers cannot balance bill you and may not ask you to give up your protections not to be balance billed.
If you get other services at these in-network facilities, outof-network providers cannot balance bill you, unless you give written consent and give up your protections.
You are never required to give up your protections from balance billing. You also are not required to get care out-ofnetwork. You can choose a provider or facility in your plan’s network.
When balance billing is not allowed, you also have the following protections:
• You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.
• Your health plan generally must:
• Cover emergency services without requiring you to get approval for services in advance (prior authorization).
• Cover emergency services by out-of-network providers.
• Base what you owe the provider or facility (costsharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
• Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.
If you believe you have been wrongly billed, you may contact your insurance provider. Visit www.cms.gov/nosurprises for more information about your rights under federal law.
This brochure highlights the main features of the Percheron Holdings, LLC dba Percheron Professional Services, LLC employee benefits program. It does not include all plan rules, details, limitations, and exclusions. The terms of your benefit plans are governed by legal documents, including insurance contracts. Should there be an inconsistency between this brochure and the legal plan documents, the plan documents are the final authority. Percheron Holdings, LLC dba Percheron Professional Services, LLC reserves the right to change or discontinue its employee benefits plans at anytime.
