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 about your prescription drug coverage. Please see page 37 for more details.
We are pleased to offer you a comprehensive total rewards program intended to protect your well-being and financial health.
This guide is your opportunity to learn more about the benefits available to you and your eligible dependents beginning January 1, 2026. Getting the most value from your benefits depends on how well you understand your plans and how you choose to use them. Please take the time to review this guide. Our AWESOME Benefit Response Center can help answer any questions you may have, so be sure to ask them!
Benefit Response Center
Do you need help enrolling for benefits or have questions about your team member benefits? If you or your eligible dependents have a question, the Benefit Response Center will help you with an answer.
Call 833-SOXFORD (769-3673) or email helpline@higginbotham.net
The Benefit Response Center is open Monday – Friday, 8:00 a.m. – 7:00 p.m. ET (7:00 a.m. – 6:00 p.m. CT). If you reach voicemail after 4:00 p.m. ET (3:00 p.m. CT), your call will be returned the next business day.
Eligibility
You are eligible for benefits if you are a regular, full-time team member working an average of 30 hours per week. Your coverage is effective the first of the month after you have completed 30 days of full-time employment. You may also enroll eligible dependents for benefits coverage.
Eligible Dependents
▪ Your legal spouse*
▪ Your same or opposite-sex domestic partner
▪ Children under the age of 26 regardless of student, dependency, or marital status (medical, dental, and vision)
▪ 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
*
Things to Consider
▪ Which plans and coverage you need
▪ Whom you need to cover under the plans (have your dependents’ date of birth and Social Security number available)
▪ Whether your providers are in the network
▪ Don’t forget to update your beneficiary(ies)
www.exponenthr.com
Open Enrollment
Open Enrollment is your opportunity to choose benefits for the upcoming plan year (January 1 –December 31, 2026). You must elect your benefits during Open Enrollment, or you will not have coverage in 2026.
New Team Members
You must enroll by your new hire benefits effective date. If you do not enroll by this date, you will have to wait until the next Open Enrollment to enroll unless you experience a Qualifying Life Event (see page 6).
Enroll Online
When you are ready to enroll, ExponentHR makes choosing your benefits easy, fast and secure.
See instructions on how to enroll online on page 6.
A legal spouse is an individual who is legally married to you.
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, and you must do so within 31 days of the event. Examples of such events include:
▪ Marriage, divorce, legal separation, or annulment
▪ Birth, adoption, or placement for adoption of an eligible child
▪ Death of a spouse, domestic partner, or child
▪ Change in your spouse’s or domestic partner’s employment that affects benefits eligibility
▪ Change in your child’s eligibility for benefits (e.g., reaching the age limit)
▪ Change in residence that affects your eligibility for coverage
▪ Significant change in coverage or cost in your, your spouse’s, or child’s benefit plans
▪ FMLA Leave, COBRA event, court judgment, or decree
▪ Becoming eligible for Medicare or Medicaid
▪ Receiving a Qualified Medical Child Support Order
If you have a Qualifying Life Event and want to request a midyear change, you must notify Human Resources and complete your election changes within 31 days following the event. Be prepared to provide documentation to support the Qualifying Life Event.
Enroll Online
When you are ready to enroll, ExponentHR makes choosing your benefits easy, fast, and secure.
Enrollment Checklist
▪ Tip 1:
Check providers in your area and in your dependents’ area.
▪ Tip 2:
Have the date of birth and Social Security number available for any dependents you wish to enroll.
▪ Tip 3:
Visit www.exponenthr.com to enroll or call the Benefit Response Center at 833-SOXFORD for assistance.
a. To complete your Open Enrollment, sign up in one session.
b. Complete each section of the Wizard:
Dependent changes
Change current year elections
Validate current year elections
New enrollment elections summary
c. Click OK in the Warning Box.
d. Be sure to click SUBMIT to complete your benefits enrollment.
▪ Tip 4:
Register for access to the carriers’ websites, as applicable (BCBSTX, Unum, LegalShield, IDShield, and Principal).
Questions? Call the Benefit Response Center at 833-SOXFORD
Medical Coverage Overview
The medical plan options offered through Blue Cross Blue Shield of Texas (BCBSTX) protect you and your family from major financial hardship in the event of illness or injury.
You have a choice of three Preferred Provider Organization (PPO) plans. When you use in-network providers, you receive benefits at a discounted network cost. You may pay more for services if you use outof-network providers. A glossary of useful terms can be found on page 35.
Each medical plan offers:
▪ Comprehensive health care benefits
▪ In-network preventive care covered at 100%
▪ Coverage for eligible children up to age 26
▪ Prescription drug coverage
Availability of Summary Health Information
Your total rewards program offers three medical plan coverage options.
To help you make an informed choice and compare your options, a Summary of Benefits and Coverage (SBC) for each plan is available, summarizing important information about your medical coverage options.
The SBCs are available at www. exponenthr.com and Fuse
Choose the Plan That is Right for You
The key difference between the plans is the amount of money you will pay each pay period and when you need care. The plans also differ in the following ways:
▪ Calendar year deductibles –
The amount you pay each year for eligible in-network and out-ofnetwork charges before the plan begins to pay
▪ Out-of-pocket maximum –
The most you pay each year for eligible services, including prescriptions
Reminders
▪ Develop a relationship with your primary care physician.
▪ Get your gender- and ageappropriate preventive screenings.
▪ Make sure you are up to date on your immunizations.
Medical Plan Per-Paycheck Cost
Medical Plan Comparison
BCBSTX Additional Resources
Blue Access for MembersSM (BAM)
Register at www.bcbstx.com to access everything you need to stay informed about your health care.
▪ Find in-network providers/facilities
▪ View claims status and history
▪ Locate Explanation of Benefits (EOB)
▪ View your digital BCBSTX ID card
Well onTarget Portal
The Well onTarget wellness portal gives you the support you need to make healthy lifestyle choices and rewards you for hard work.
▪ Digital self-management programs
▪ Health and wellness library
▪ Blue Points SM rewards program (earn points just by taking your health assessment!)
▪ Tools and trackers
▪ Fitness tracking
▪ Nutrition help
▪ Tobacco cessation
To access the Well onTarget portal, log in to your BAM account at www.bcbstx. com
Fitness Program
As a BCBSTX member, you and your covered dependents (age 16 and older) have access to a nationwide network of fitness locations for a small fee. Choose a location close to home and one near work, or visit locations while traveling.
24/7 Nurseline
Registered nurses are available 24/7 if you have health questions. You can also access an audio library of health topics – available in English and Spanish. Call 800-581-0393
Fertility, Pregnancy, Parenting, Menopause, and Family Health
24/7 support is now available from preconception through midlife.
▪ The Maven Clinic app provides access to care advocates, virtual coaching, education, virtual and live group classes.
▪ The Well onTarget portal has self-guided courses about pregnancy that you can take online, covering topics such as healthy foods, body changes, and labor.
Blue365
The Blue365 program helps you save money on health care products and services not generally covered by your benefits plan. Discounts are available for fitness gear, healthy eating, dental, vision, hearing aids, gym memberships, and more.
Search for a Provider
Log into your BCBSTX BAM account at www.bcbstx.com to find a list of preferred providers or call 800-521-2227
Prescription Drug Benefits
Search for a Pharmacy or Drug List
Log into your BCBSTX BAM account at www.bcbstx.com . Select Pharmacy and Find Retail Pharmacy Finder You will be directed to Prime Therapeutics where you can search for pharmacies, your prescription drug list for the Broad Advantage Network , and costs.
Prime Therapeutics
Our pharmacy benefits program, administered by Prime Therapeutics, includes coverage for many prescription drugs.
By visiting www.myprime.com, you can:
▪ Compare prescription drug costs
▪ Search for a pharmacy in the network
▪ Review your prescription drug history
▪ Work with your provider to prescribe drugs from the BCBSTX Prescription Drugs List (Broad Advantage Network) located at https://www.bcbstx.com/ rx-drugs/drug-lists/drug-lists
You can also manage your prescriptions through the Prime Therapeutics mobile app.
Retail (up to 30-day supply)
Fill 30-day prescriptions at any retail pharmacy in the Broad Advantage Network, including CVS, Walgreens, Walmart, and many others. Some retail pharmacies, referred to as ESN (Extended Supply Network) pharmacies, can fill 90-day maintenance prescriptions.
If your provider prescribes a Preferred Brand or a Non-Preferred Brand drug when there is a generic equivalent available, you will be required to pay the difference between the Brand drug and the Generic drug, plus the applicable copay of the prescribed drug. If your provider indicates the Brand drug is medically necessary, the penalty will not be applied.
Mail Order (up to 90-day supply)
Fill 90-day prescriptions for chronic conditions such as diabetes, asthma, high cholesterol, etc. in one of two ways:
▪ Home delivery via Express Scripts Pharmacy at www.express-scripts.com or by calling 833-715-0942
▪ Through an Extended Supply Network (ESN) retail pharmacy
Specialty Medications
Specialty prescriptions must be filled through Accredo or an in-network specialty pharmacy to avoid paying higher out-of-pocket costs. You can reach Accredo at www.accredo.com or by calling 833-721-1619. Specialty drugs are noted on the Prescription Drugs List and they require prior authorization.
Accredo and Prime Therapeutics provides additional support if you are prescribed specialty prescriptions. Specially trained pharmacists, nurses, and clinicians will help you achieve your treatment goals, manage any side effects from your medicines, and assist with dosage and other concerns.
Health Care Options
DOCTOR’S OFFICE
Access to care via phone, online video or mobile app whether you are home, work or traveling; medications can be prescribed 24 hours a day, 7 days a week
Allergies
Cough/cold/flu
Rash
Stomachache
URGENT CARE
Generally, the best place for routine preventive care; established relationship; able to treat based on medical history Office hours vary
Usually lower out-of-pocket costs than urgent care; when you can’t see your doctor; located in stores and pharmacies Hours vary based on store hours
When you need immediate attention; walk-in basis is usually accepted Generally includes evening, weekend and holiday hours
Infections
Sore and strep throat
Vaccinations
Minor injuries, sprains and strains
Life-threatening or critical conditions; trauma treatment; multiple bills for doctor and facility 24 hours a day, 7 days a week
Common infections
Minor injuries
Pregnancy tests
Vaccinations
Sprains and strains
Minor broken bones
Small cuts that may require stitches
Minor burns and infections
Chest pain
Difficulty breathing
Severe bleeding
Blurred or sudden loss of vision
Major broken bones
Services do not include trauma care; can look similar to an urgent care center, but medical bills may be 10 times higher 24 hours a day, 7 days a week
Most major injuries except trauma
Severe pain
Virtual Visits
Included with your medical coverage is access to quality virtual visits through MDLIVE . Connect any-time, day or night, with a board-certified doctor via your mobile device or computer.
While virtual visits do not replace your PCP, 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
▪ Your PCP is unavailable
Treating Common Health Issues
At a cost that is the same or lower than a visit to your physician, you can use virtual visits for minor conditions such as:
▪ Sore throat
▪ Headache
▪ Stomachache
▪ Cold & Flu ▪ Allergies
Fever
Urinary tract infections
Register with MDLIVE so you are ready to use this valuable service when and where you need it. Coverage is also provided to your eligible dependents.
Do not use virtual visits for serious or life-threatening emergencies.
Heirloom Flats | Bloomfield, Connecticut
Dental Coverage Options
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 Blue Cross Blue Shield of Texas (BCBSTX).
DPPO Plans
You may choose to see an in-network or out-of-network provider in either DPPO plan. When you use providers in the BCBSTX BlueCare Network , you receive benefits at a discounted network cost. You must meet a calendar year deductible (except for preventive care services), then the plan pays a percentage of covered costs. Club at Danforth | Jacksonville, Florida
Visit www.bcbstx.com or call 800-521-2227 (BlueCare Network) to find an in-network dentist and access your ID card.
Dental Plan Per-Paycheck Cost
Dental Plan Comparison
Diagnostic & Preventive Services
Exams, cleanings, X-rays, fluoride treatments, sealants, space maintainers
Major Restorative Services Crowns, dentures, bridges, repairs, implants
Vision Coverage
Our vision plan provides quality care to help preserve your health and eyesight. In addition to identifying vision and eye problems, regular exams can detect certain medical issues such as diabetes and high cholesterol. You may seek care from any licensed optometrist, ophthalmologist, or optician, but plan benefits are better if you use an EyeMed Select Network provider. Coverage is provided through Blue Cross Blue Shield of Texas (BCBSTX).
Vision Plan Per-Paycheck Cost
Vision Plan Summary
How to Find a Vision Provider
Visit www.member. eyemedvisioncare.com/bcbstx or call 855-556-8796 to find an in-network vision provider and access your ID card.
Life and Accidental Death & Dismemberment (AD&D)
Insurance
Coverage is provided through Unum. Benefits are reduced by 35% at age 65 and further reduced by 50% of the original amount at age 70. If you are terminally ill with a life expectancy of 24 months or less, you may receive up to 100% of the life insurance amount in advance up to $250,000.
Basic Life and AD&D Insurance
Basic Life and AD&D insurance are provided at no cost to you . You are automatically covered at one times your salary, up to $50,000 for each benefit.
Voluntary Life and AD&D Insurance
You may purchase additional Life and AD&D insurance for you and your eligible dependents. If you decline Voluntary Life and AD&D insurance when first eligible, Evidence of Insurability (EOI) – proof of good health – will be required before coverage is approved. EOI forms are located in ExponentHR. If you enroll during your initial eligibility period, you can increase coverage up to the guaranteed amount at any future annual enrollment without needing to provide proof of good health. You must elect Voluntary Life and AD&D coverage for yourself in order to elect coverage for your spouse or children.
Designating a Beneficiary
You must designate a beneficiary for Basic and Voluntary Life insurance when you enroll. You can name more than one beneficiary, and you can change beneficiaries at anytime.
When covered, you and your dependent(s) may be eligible to continue your life insurance benefits if you terminate employment. If you would like to exercise the portability/ conversion option for your coverage, contact Human Resources for an application. Keep in mind, you only need to complete a portability/conversion form if you wish to continue your life policies.
If you are under age 60 and become totally disabled and unable to work, you can keep your life coverage without paying premiums (as defined in the policy).
Spouse
Child(ren)
• 5x annual earnings up to $500,000 in increments of $10,000
• You are guaranteed up to $200,000 in coverage without proof of good health (EOI)
• The lesser of 100% of the employee amount or $500,000 in increments of $5,000
• Your spouse is guaranteed up to $25,000 in coverage without proof of good health (EOI)
• $1,000 – live birth to age 6 months
• Up to $10,000 in increments of $2,000 – 6 months to 26 years
Voluntary Life Rates Per $1,000
Calculation
Example
Decide the amount of coverage you want to purchase. Divide that number by $1,000. Then multiply by your ageappropriate rate listed in the chart and convert the rate to a semimonthly pay period.
Example: You are 40 years old and wish to purchase $100,000 of coverage.
Contact the HR Department
Monthly Voluntary AD&D Rates Per $1,000
$100,000 ÷ $1,000 = 100 x $0.163 = $16.30 (monthly rate) x 12 = $195.60
÷ 24 (semimonthly) pay periods = $8.15 (semimonthly rate)
*Based on team member’s age as of January 1, 2026.
Important
If you experience a leave of absence, your Voluntary Life and AD&D premiums must be paid monthly to South Oxford Management in order to continue coverage. If you do not pay your premiums, the benefit may not be payable should there be a loss.
Summer House | Stamford, Connecticut
Disability Insurance
Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness.
Short Term Disability Insurance
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.
We provide STD for all active full-time employees with at least one year of service at no cost through Unum . We offer Voluntary STD insurance for you to purchase if you have less than one year of service.
STD for Team Members with AT LEAST One Year of Service (Employer Paid)
Refer to page 30 for step-by-step instructions on how to apply for STD.
Calculation Example
Determine your weekly earnings and multiply by the 60% benefit. Divide that number by $10. Then multiply by your ageappropriate rate listed in the chart and convert the rate to a semimonthly pay period.
– Six weeks (eight weeks for a
Voluntary STD for Team Members with LESS THAN One Year of Service (Team Member Paid)
Example: You are 40 years old with $45,000 in annual earnings.
÷ $10 = $51.90 x $0.305 (monthly rate) = $15.83 x 12 = $189.96
÷ 24 (semimonthly) pay periods = $7.92 (semimonthly rate)
Long Term Disability Insurance
Long Term Disability (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. LTD is provided at no cost after you satisfy your eligibility period.
LTD for All Eligible Team Members (Employer Paid)
BENEFIT
Benefits Begin On 91st day
of
*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. This includes receiving treatment, consultation, care, or diagnostic services; or prescribed drugs or medications.
The Hazel | Jersey City, New Jersey
Employee Assistance Program
Unum administers your confidential Employee Assistance Program (EAP). The program offers three in-person counseling sessions per issue each year and other support programs at no cost, to help you and family members cope with a variety of personal or work-related issues.
Guidance and support are offered 24/7 to team members, spouses or domestic partners, dependent children, parents, and parents-in-law for issues including:
▪ Stress, depression, and anxiety
▪ Relationship issues, divorce
▪ Anger, grief, and loss
▪ Job stress and work conflicts
▪ Family and parenting problems
▪ Childcare and eldercare
▪ Financial services, debt management and credit report issues
▪ Identity theft
Call 800-854-1446 or visit www.unum.com/lifebalance for support at any hour of the day or night.
▪ Legal questions
▪ Assistance reducing your medical and dental bills
Accident Insurance
Accident insurance through Unum pays a fixed benefit direct to you in the event of an off-the-job accident, regardless of any other coverage you may have.
Benefits are paid according to a fixed schedule for accident-related expenses including hospitalizations, fractures and dislocations, emergency room visits, major diagnostic exams, and physical therapy. Benefits terminate at age 70.
Be Well wellness screening benefit: $50 per calendar year!
When covered, you and your dependent(s) may be eligible to continue your accident insurance benefits if you terminate employment. If you would like to exercise the portability option for your coverage, contact Human Resources for an application. Keep in mind, you only need to complete a portability/conversion form if you wish to continue your accident policy.
Sum Injuries
ruptured discs, eye injuries, fractures, lacerations, concussions, etc.
& Dismemberment
Hospital Indemnity Insurance
Indemnity Insurance Summary
Hospital Indemnity insurance through Unum provides financial assistance to enhance your current medical coverage, if you have a hospital stay resulting from a covered injury or illness. For a complete list of services, refer to the summary plan description.
*If you do not enroll when initially eligible, benefits may not be paid for any condition treated within 12 months prior to your effective date until you have been covered under this plan for 12 months. This includes receiving treatment, consultation, care, or diagnostic services; or prescribed drugs or medications. When covered, you and your dependent(s) may be eligible to continue your hospital indemnity insurance benefits if you terminate employment. If you would like to exercise the portability option for your coverage, contact Human Resources for an application. Keep in mind, you only need to complete a portability/conversion form if you wish to continue your hospital indemnity policy.
Jasmine | Jacksonville, Florida
Critical Illness Insurance
$50 per calendar year!
Critical Illness insurance through Unum provides you a lump sum benefit payment upon first diagnosis of any covered critical illness or cancer to help cover expenses such as lost income, out-of-town treatments, special diets, daily living, and household upkeep costs. Benefits terminate at retirement.
Critical Illness Insurance Per-Paycheck Cost
Critical Illness Summary
*Spouse coverage cannot exceed 50% of the employee amount.
COVERAGE BENEFIT
Team Member
$5,000 – $20,000 in increments of $5,000
Spouse Not to exceed 50% of the employee amount
Child Not to exceed 50% of the employee amount
COVERED CONDITIONS
Invasive cancer, heart attack, stroke, major organ transplant, coma, endstage renal failure, paralysis, benign brain tumor, loss of sight/speech/ hearing
Pre-existing Condition Exclusion
FIRST OCCURRENCE BENEFIT
For
*If you do not enroll when initially eligible, benefits may not be paid for injury or sickness within 12 months prior to the effective date, whether diagnosed or not, for which treatment, consultation, care or services, or diagnostic measures were received or recommended, drugs or medications were taken or prescribed, or symptoms existed.
When covered, you and your dependent(s) may be eligible to continue your critical illness insurance benefits if you terminate employment. If you would like to exercise the portability option for your coverage, contact Human Resources for an application. Keep in mind, you only need to complete a portability form if you wish to continue your critical illness policy.
Identity Theft Protection
Identity Theft protection, offered through IDShield , provides credit monitoring and fully managed identity restoration services should you or an immediate family member become a victim of identity theft. This will help you remain productive at home and at work while your identity is restored to pre-theft status. For more information, visit https://benefits.legalshield.com/ southoxford
Legal Assistance
Legal assistance offered through LegalShield gives you access to a network of attorneys for a variety of legal needs, including estate planning, financial matters, real estate matters, defense of civil lawsuits, family law, traffic offenses, document preparation and review, immigration assistance, juvenile matters, and consumer protection. Most services provided by a network attorney are covered in full, while services provided by non-network attorneys are payable up to specified plan maximums. For more information, visit https://benefits. legalshield.com/southoxford .
Pet Insurance
You care about your pets and consider them members of your family. Why not provide them with health protection, too?
Nationwide offers My Pet Protection Choice insurance plans that can help offset the cost of caring for your pet. It covers everything from preventive care to accidents and illness, as well as the costs of X-rays, office visits, medications, surgeries, and hospital stays. Plan features include:
▪ Accident, Accident and Illness, or Accident, Illness, and Wellness plans
▪ Deductible options starting at $250
▪ $15,000 annual policy year maximum benefit
▪ Select from 50%, 70%, and 80% reimbursement coverage levels
▪ Visit any licensed vet without pre-approvals
▪ Pre-existing conditions are not covered
The cost of coverage depends on your ZIP code, species, and the coverage level you select. Multiple pet discounts are available. Pet insurance premiums can be paid through payroll deductions.
VetHelpline®
Download the VetHelpline app for 24/7 unlimited access to licensed veterinary professionals.
Coverage
Plan coverage options for:
▪ Accidents and injuries
▪ Common, serious, and chronic illnesses
▪ Hereditary conditions
▪ Testing and diagnostics
▪ Procedures
▪ Holistic and alternative care
▪ 24/7 VetHelpline
▪ Discounted pet medications at participating pharmacies with PetRxExpress ®
Coverage includes emergency care and specialists. No pre-approval is needed.
Additional Benefits
▪ Emergency boarding and kenneling fees
▪ Lost pet due to theft or straying
▪ Lost pet advertising and reward
▪ Mortality benefit
Receive a Quote
To obtain our preferred rates, enroll for coverage through SOM’s designated website: www.petinsurance.com/somliving
You can enroll anytime of year, not just during Open Enrollment or New Hire Enrollment.
401(k) Retirement Savings
South Oxford Management is committed to your financial success and offers you the option to enroll in our 401(k) retirement savings plan offered through Principal .
Full- and part-time team members over the age of 18 are eligible to participate in the first payroll of the following month after 60 days of service. You can enter the plan on the first of the month, on or after you meet the eligibility requirements. You can begin contributing to the plan at anytime once you become eligible, and start making contributions to your account through convenient payroll deductions.
Features of the Plan
▪ Unless you opt out or choose a different deferral, you are automatically enrolled with a 6% pretax deferral.
▪ South Oxford Management will match up to 3.5% of the first 6% you contribute.
▪ Contribute using convenient payroll deductions up to the (projected) 2026 IRS limit of $24,500 (if under age 50).
▪ If you are age 50–59 or 64+, you may contribute an additional “catch-up” contribution of up to $8,000 (projected for 2026). If you are age 60-63, your catch-up contribution may be up to $11,500 (projected for 2026).
▪ If you earn more than $145,000 in 2025, your catch-up contributions in 2026 must be made to a Roth account where contributions are after-tax.
▪ Vesting and other information can be found in the 401(k) Summary Plan Document, which is available from Human Resources.
▪ Find more information at www.principal.com or by calling 800-547-7754
Rivers Edge | Waterbury, Connecticut
Cash Advances
Emergency cash is available to help you with unexpected expenses.
Bridgeover is a program provided by SOM to give you the financial support you need. Whether you need cash for car repairs to unexpected medical bills, you can receive cash on demand cost-free with no interest or fees. You repay only what you borrow.
Emergency Cash Access
Receive up to $400 instant emergency cash loans, available to you through the Bridgeover app, as a benefit from SOM.
Accumulate BridgePointsTM
Accumulating BridgePoints allows you to take larger amounts of cash more frequently and for longer periods of time. Receive 10,000 BridgePoints when you register and 1,800 additional BridgePoints every month.
Flexible Repayment Options
Bridgeover lets you split repayments into smaller, manageable amounts to suit your paycheck.
Privacy
Bridgeover is committed to protecting your financial information. The process is entirely confidential, and no financial data is shared with SOM.
Time Off
Vacation
▪ If you are a regular, full-time employee, you earn vacation time based on your years of active service. Temporary, seasonal, and regular part-time employees do not accrue vacation time.
▪ You are eligible to take vacation time any time after your first day of work, as schedules permit.
▪ You may use accrued vacation for any reason you desire. You must schedule with your supervisor at least two days in advance; extended time off (two or more weeks) must be scheduled at least one week in advance.
▪ You may not use vacation time before it is accrued.
▪ To request vacation, submit a request in ExponentHR at www.exponenthr.com
Payout of Vacation
If you are a full-time employee, you may choose to receive a payout of accrued vacation hours once per year. To be eligible:
▪ You must be employed for at least one year.
▪ You may request up to 40 hours, but not less than eight hours.
▪ Your payout will be calculated on your current base rate of pay on earned, unused vacation.
▪ You are required to maintain a balance of 20 hours of unused vacation after the payout is requested.
Volunteer Time Off
South Oxford Management believes in giving back to our communities. You are encouraged to take time and give back to your community by volunteering with local charitable organizations.
▪ If you are a full-time employee who has completed 90 days of employment, you are eligible to receive Volunteer Time Off (VTO).
▪ You will receive 16 hours of VTO twice per year to volunteer at an approved organization. Unused time is forfeited at the end of each period.
Approved organizations:
▪ Animal shelters
▪ Approved apartment association charities
▪ Schools
▪ Food pantries
▪ Senior living homes/nursing homes
▪ Mentoring programs
▪ Hospitals/health care facilities
▪ American Red Cross
▪ Military/first responder sponsored events
▪ Homeless shelters
For more details, see the Employee Handbook.
▪ Habitat for Humanity
▪ Nonprofit organizations
Holidays
If you are a regular full-time employee, you will be paid at your normal base rate for the following holidays:
▪ New Year’s Day
▪ Martin Luther King Day
▪ President’s Day
▪ Memorial Day
▪ Juneteenth
▪ Independence Day
▪ Labor Day
▪ Thanksgiving Day
▪ Day After Thanksgiving (Corporate Team)
▪ Christmas Eve Day (Corporate Team)
▪ Christmas Day
▪ Floating Holiday (Community Site Team)
▪ Floating Holiday (Community Site Team)
Paid Sick Leave
Paid Sick Leave (PSL) may be used for:
▪ Diagnosis, care, or treatment of an existing health condition, including temporary illness or disability
▪ Preventive care
▪ Pregnancy or childbirth
▪ Medical or dental appointments
▪ For incidents of domestic violence, sexual assault, or stalking, where time off is taken pursuant to applicable law, including California Labor Code sections 230 and 230.1
You are eligible for PSL if you are a regular full-time or part-time employee. PSL may be used for you or your family members. If you are regularly scheduled for and work 30 or more hours a week, you are eligible to accrue up to two hours each pay period (48 hours or six days) per calendar year. If you are regularly
scheduled for and work fewer than 30 hours a week (but at least 30 days a year), you are eligible to accrue up to three days (24 hours) of PSL each year, or higher if required by city ordinance or state law. You may maintain a sick time balance of up to 240 hours.
If you have exhausted your allotment of PSL hours but require additional leave time, you may be granted unpaid leave with your supervisor’s approval.
PSL can be used in minimum increments of 30 minutes.
Paid Parental Leave
South Oxford Management offers parental leave to allow both mothers and fathers time to bond with a new child.
To be eligible:
▪ You must be a regular full-time employee with at least one year of service.
▪ You must have worked at least 1,250 hours during the 12 consecutive months immediately preceding the date the leave begins.
▪ You must have a child 17 years of age or younger placed in the home through birth, adoption, or foster care (this does not include the adoption of a spouse’s child).
You may receive up to four weeks of parental leave within a rolling 12-month period.
Parental leave may be taken at anytime during the first 12 months after the child has been placed in the home. If you have given birth, the four weeks of parental leave begin at the end of any Short Term Disability benefit. Parental leave is paid at your current base rate of pay and does not count toward the overtime calculation.
Family and Medical Leave (FMLA)
Unum administers family and medical leave absences for South Oxford Management. If you are going to be late or absent for any condition that has been approved for FMLA, you must personally notify both your supervisor and Unum at 866-868-6737 .
You will be required to use any accrued, unused vacation and PSL time in conjunction with your leave in order to be paid for all or a portion of the leave. FMLA will run concurrently with any other disability leave that you may be eligible for such as Short Term Disability, Long Term Disability, or Workers’ Compensation, until your FMLA leave is exhausted or you return to work.
FMLA/STD Submission Checklist
The following are step-by-step instructions that describe what you need to do to apply for an FMLA leave and/or Short Term Disability for your situation.
Step 1: Notify HR/your manager of your need for a leave of absence.
Step 2: Contact Unum online or by phone to start the claim for your leave of absence and/ or Short Term Disability claim. To file a claim online, you will need your employee ID which is your Social Security number.
Step 3: Receive the Medical Certification Form, found in your FMLA Notification Packet sent by Unum, or download it from the Unum website. The completion of this single medical certification form is sufficient for your application for both FMLA and Short Term Disability.
The FMLA Medical Certification Form is time-sensitive material. Be certain to check for the certification due date on the initial request letter found in your FMLA Notification Packet.
Step 4: Take the blank Medical Certification Form to either your own or your family member’s health care provider. If your leave is not for medical reasons due to a Qualifying Exigency, please follow the instructions provided by the Unum specialist and/or your FMLA Notification Packet.
Contact Unum
▪ Call – 866-868-6737
8:00 a.m. – 8:00 p.m. EST Monday – Friday
▪ Visit – https://portal.unum.com
Step 5: Ensure that Unum receives the completed Medical Certification Form prior to the certification due date. It is your responsibility to ensure paperwork gets returned in a timely fashion. If there are delays completing your forms, be sure to contact Unum prior to your certification due date.
The health care provider must return the completed Medical Certification Form to Unum by either fax or email. You may return the completed form by mailing the original completed Medical Certification Form.
Step 6: Receive and review the FMLA Decision Letter from Unum. Please note the decisions are based on the certification completed by the health care provider. If you have applied for Short Term Disability, you will receive a separate decision letter regarding your approval for disability benefits. You will receive one communication for both the Leave/Disability since it will be handled by the same Unum Life Event specialist.
Step 7: If approved for the leave, you will be responsible for keeping track of your available entitlement. Tracking will also be recorded on the Total Leave Employee Portal located at https://portal.unum.com
Intermittent Frequency Leave: Be sure to report each intermittent FMLA absence to Unum at least two hours prior to your shift beginning and follow South Oxford Management’s call-in procedures. All prescheduled appointments need to be tracked ahead of time with both Unum and South Oxford Management. Failure to call both parties may be subject to disciplinary action.
Continuous Frequency Leave: Pay close attention to the date range on your decision letter. Your position at your company is only protected during that date range. To keep your entitlement accurate and ensure protection, please notify Unum if your leave is any different than what was provided in the decision letter.
FMLA FAQs
Q: What happens to my insurance/benefits while I am out on leave?
A: As long as you are an employee at South Oxford Management, you will remain on the group benefits plan. However, you are responsible for paying South Oxford Management direct for the employee cost of the premiums.
Pay your premiums by mailing a check to the South Oxford Management Corporate Office at South Oxford Management, ATTN: Human Resources, 5151 Belt Line Road, Suite 1100, Dallas, TX 75254. Be sure to include your full legal name and the purpose, which is “Benefits Premiums.”
View the monthly cost of your portion of the premiums by visiting ExponentHR. com > Benefits > Current Elections. Select “show cost as: per month” to view the employee cost.
Q: If I live at a South Oxford Management community, what happens to my rent while I am out on leave?
A: You are still responsible for paying your rent (minus your employee discount) and any other associated fees direct to the community while you are out on leave. Other community fees may apply.
Q: What happens to my commissions/ bonuses while I am out on leave?
A: You will continue to receive any commissions/bonuses that were earned prior to your leave of absence. However, any commissions/bonuses earned while you are out on leave are not eligible for payment after you return to work.
Q: Why is my vacation time/sick pay being deducted first?
A: South Oxford Management’s company policy Time Off–Family/Medical Leave (SOP 5050) dictates that when an employee is not working for any amount of time, accrued vacation time and paid sick leave are to be exhausted except where limited by law.
Q: Do I have to communicate with my manager while I am out on leave or anticipate being out?
A: Yes, even while you are out on leave, you must continue to communicate with your manager on your return-to-work status, your anticipated leave dates, and if you will need a specific accommodation. You do not have to share details of your medical condition or the reason why you are taking the leave.
Q: Do I have to respond to Human Resources when they reach out while I am out on leave?
A: Yes, Human Resources will intermittently reach out to ask about your anticipated return-to-work dates and any requirements you may have prior to returning to work. Human Resources will make every effort to contact you at your personal phone number and email listed in the ExponentHR portal. A continual nonresponse to a Human Resources inquiry may result in South Oxford Management assuming you will not be returning to your position.
Q: What is the difference between FMLA and Short Term Disability (STD)?
A: Federal FMLA or state FMLA is an unpaid job-protected leave while STD is a wage replacement insurance. You may be approved for one but not the other due to the different standards of evaluation between the law and the insurance company.
Q: Can my manager change my work schedule or position if I need to work reduced hours or take intermittent leave?
A: Yes, South Oxford Management has the right to modify your work schedule in order to accommodate your request for reduced hours or intermittent leave. South Oxford Management can also temporarily alter your job responsibilities or work location based on business needs.
Q: How do I request a leave of absence?
A: Notify your manager and Human Resources as soon as possible to let them know you need to take a leave of absence. You will need to fill out all the necessary paperwork and submit any required medical documentation to Unum at 866868-67377 or https://portal.unum.com
Additional Benefits
Employee Housing Discount
South Oxford Management provides an apartment rental discount (where available) to all full-time and part-time employees after you have completed 90 days of employment. The apartment rental discount is a percentage off the then-current market rent based on your tenure with the company.
▪ 0-5 Years: 30%
▪ 6+ Years: 35%
For more details, see the Employee Handbook.
Professional Development
South Oxford Management encourages you to develop professionally. Increase your potential for promotion by participating in certain industry association seminars and earning certifications/designations offered by those organizations. Courses must be pre-approved.
For more details, see the Employee Handbook.
Employee Referral
You are the best recruiters for South Oxford Management, and you are encouraged to refer candidates for employment with the company. A referral bonus of $500 will be paid for referrals who are hired by the company. This referral bonus will be paid in two $250 installments:
▪ At the completion of 90 days of continuous employment following the candidate’s hire date
▪ At the completion of six months of continuous employment following the candidate’s hire date
▪ Candidate cannot come from a staffing agency
▪ Employee must complete and submit the Employee Referral Form within 30 days of the candidate’s hire date.
For more details, see the Employee Handbook.
Atlas | Jersey City, New Jersey
Tuition Reimbursement
Through the tuition reimbursement benefit, full-time employees with at least one year of service are eligible to receive reimbursement of the tuition costs for study or training programs pursued outside of working hours. The maximum amount of tuition reimbursement is $2,000 annually.
Note that reimbursement is only for educational courses in areas that will improve your present job performance. You will not be compensated for time spent at classes or educational events outside of normal business hours.
You must have advance written approval. If you terminate for any reason, either voluntarily or involuntarily, within 12 months of reimbursement, you may be required to reimburse South Oxford Management up to the entire expense of the tuition received.
For more details, see the Employee Handbook.
Certification/Dues Reimbursement
South Oxford Management encourages you to develop professionally and to increase your potential for promotion by participating in certain industry association seminars and earning certifications/designations offered by these same organizations.
At its sole discretion and upon proper approval and budgetary limitations, South Oxford Management will pay for certain professional seminars and educational activities.
Pre-approved courses for on-site employees may include the ARM, CAM, CAPS, CAMT, and NALP programs offered through the Institute for Real Estate Management and National Apartment Association. These courses, with prior approval of the regional vice president or president, will be reimbursed at 100% up to a calendar year maximum of $2,000.
Review courses for professional designations such as CPA, CPM, etc. will be eligible for 50% reimbursement up to $2,000. Clearance to attend these courses must be obtained from your immediate supervisor prior to the commencement of the course.
For more details, see the Employee Handbook.
Lake House | Davenport, Florida
Glossary of Terms
Brand Name Drugs – Drugs that have trade names and are protected by patents. Brand name drugs are generally the most expensive choice.
Calendar Year Maximum – A calendar year maximum is the total amount paid each year by your insurance company for each family member enrolled in the medical plan.
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 – A fixed amount (for example $15) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service.
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 Rates – The specified amount of money you will pay (usually deducted from your salary each pay period) for insurance coverage.
Generic Drugs – Generic drugs are less expensive versions of brand name drugs that have the same intended use, dosage, effects, risks, safety, and strength. The strength and purity of generic medications is strictly regulated by the U.S. Federal Food and Drug Administration.
In-Network – Doctors, hospitals and other providers that contract with your insurance company to provide health care services at discounted rates.
Mail Order Pharmacy – Mail order pharmacies provide a 90-day supply of a prescription medication for a reduced cost. Plus, mail order pharmacies offer the convenience of shipping directly to your door.
Open Enrollment – A period of time when you are allowed to choose your insurance coverage for the coming year.
Out-of-Network Benefits – 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 – The maximum amount you must pay for eligible expenses each plan year. Once your expenses reach the out-of-pocket maximum, the plan pays benefits at 100% of eligible expenses for the remainder of the year. Check with the health insurance carrier for details on which payments apply to the out-of-pocket maximum.
Primary Care Physician (PCP) – Physician (generally a family practitioner, internist, or pediatrician) who provides ongoing medical care. A PCP treats a wide variety of health-related conditions.
Preferred Provider Organization (PPO) – A network of health care providers contracted to provide medical services to covered employees and dependents at negotiated rates. You may seek care from either an in-network or out-of-network provider, but network care is covered at a higher benefit level and the employee is responsible for a greater portion of the cost when using an out-ofnetwork provider.
Reasonable and Customary Rates (R&C) –Out-of-network health plan expenses are considered for reimbursement at reasonable and customary rates. R&C rates are determined to be the prevailing charge made for a service by a similar provider in the same geographic area. Charges above R&C are not covered by the plan and are the responsibility of the participant.
Specialist – A physician who has specialized training in a particular branch of medicine (e.g., a surgeon, gastroenterologist, or neurologist).
Required 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:
South Oxford Management Human Resources
5151 Belt Line Rd., Suite 1100 Dallas, TX 75254 469-420-5678
Starling | Jersey City, New Jersey
Required Notices
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 South Oxford Management 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. South Oxford Management has determined that the prescription drug coverage offered by the South Oxford Management 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 South Oxford Management 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 South Oxford Management 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 469420-5678
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
Required Notices
“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 800772-1213 . 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
South Oxford Management Human Resources
5151 Belt Line Rd., Suite 1100 Dallas, TX 75254 469-420-5678
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 South Oxford Management, 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.
South Oxford Management Human Resources
5151 Belt Line Rd., Suite 1100 Dallas, TX 75254
469-420-5678
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.
Required Notices
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 1-877-KIDS 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 employer-sponsored 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, you 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 South Oxford Management group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the South Oxford Management plan after you have left employment with the company. If you wish to elect COBRA coverage, contact the COBRA Administrator, iSolved, for the applicable deadlines to elect coverage and pay premiums.
iSolved 866-320-3040 CRMail@isolvedhcm.com
NOTICE REGARDING WELLNESS PROGRAM
The employee wellness program is a voluntary program administered according to federal rules permitting employer-sponsored wellness programs that seek to improve employee health or prevent disease, including the Americans with Disabilities Act of 1990, the Genetic Information Nondiscrimination Act of 2008, and the Health Insurance Portability and Accountability Act, as applicable, among others. If you choose to participate in the wellness program you may be asked to complete a voluntary health risk assessment or “HRA” that asks a series of questions about your health-related
Required Notices
activities and behaviors and whether you have or had certain medical conditions (e.g., cancer, diabetes, or heart disease). You may also be asked to complete a biometric screening, which could include a blood test for certain medical conditions such as diabetes, heart disease, etc. You are not required to complete the HRA or to participate in the blood test or other medical examinations.
However, employees who choose to participate in the wellness program may qualify for an incentive. Although you are not required to complete a HRA or biometric screening, the wellness program may specify that only employees who do so will qualify for the incentive. Additional incentives may be available for employees who participate in certain health-related activities or achieve certain health outcomes. If you are unable to participate in any of the healthrelated activities or achieve any of the health outcomes required to earn an incentive, you may be entitled to a reasonable accommodation or an alternative standard. You may request a reasonable accommodation or an alternative standard by contacting Human Resources.
If you choose to participate in a HRA and/or biometric screening, information from your HRA and results from your biometric screening will be used to provide you with information to help you understand your current health and potential risks and may also be used to offer you services through the wellness program. You also are encouraged to share your results or concerns with your own doctor.
Protections from Disclosure of Medical Information
We are required by law to maintain the privacy and security of your personally identifiable health information. Although the wellness program may use aggregate information it collects to design a program based on identified health risks in the workplace, the wellness program will never disclose any of your personal information either publicly or to the employer, except as necessary to respond to a request from you for a reasonable accommodation needed to participate in the wellness program, or as expressly permitted by law. Medical information that personally identifies you that is provided in connection with the wellness
program will not be provided to your supervisors or managers and may never be used to make decisions regarding your employment.
Your health information will not be sold, exchanged, transferred, or otherwise disclosed except to the extent permitted by law to carry out specific activities related to the wellness program, and you will not be asked or required to waive the confidentiality of your health information as a condition of participating in the wellness program or receiving an incentive. Anyone who receives your information for purposes of providing you services as part of the wellness program will abide by the same confidentiality requirements.
In addition, all medical information obtained through the wellness program will be maintained separate from your personnel records, information stored electronically will be encrypted, and no information you provide as part of the wellness program will be used in making any employment decision. Appropriate precautions will be taken to avoid any data breach, and in the event a data breach occurs involving information you provide in connection with the wellness program, we will notify you immediately.
You may not be discriminated against in employment because of the medical information you provide as part of participating in the wellness program, nor may you be subjected to retaliation if you choose not to participate.
If you have questions or concerns regarding this notice, or about protections against discrimination and retaliation, please contact Human Resources.
YOUR RIGHTS AND PROTECTIONS AGAINST SURPRISE MEDICAL BILLS
When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.
Balance Billing (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.
Required Notices
“Out-of-network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network 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-of- network provider or facility, the most the provider or facility may bill you is your plan’s innetwork 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 post-stabilization services.
• Certain services at an in-network hospital or ambulatory surgical center – When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-ofnetwork. In these cases, the most those providers may bill you is your plan’s in-network 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, out-of-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-of-network. 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 outof-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 South Oxford Management total rewards 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. South Oxford Management reserves the right to change or discontinue its total rewards program at anytime.
