Triple C | Benefits

IS OUR PRIORITY

At Triple C, Inc., we are proud of our accomplishments and especially proud of our people. Your health and the health of your family are important to us. Each year moving forward, we will hold an open enrollment in March. Elections you make during open enrollment will remain in effect throughout the plan year, from April 1st, 2024, through March 31st, 2025, with the exception of qualified life status changes. You will be eligible to enroll in our benefits the 1st of the month following 60 days of full-time employment. Please find the enclosed benefit offerings and take some time to review.

What we offer

Medical coverage is offered through Aetna and you have two plan options to pick from. More than 50% of the monthly costs are paid for by Triple C.

&

Dental and Vision coverage is offered through Principal and is a voluntary coverage.

Short Term Disability A $25,000 Life Insurance Benefit is offered to all eligible employees at no cost to you. Additional Voluntary Life is available.

Short Term Disability insurance is offered through Principal and is a voluntary coverage.

Accident Insurance

Accident coverage is offered through Principal and is a voluntary coverage.

Critical Illness Insurance

Critical Illness is offered through Principal and is a voluntary coverage.

Our benefit offerings are managed by Flatlands Jessup and they are here to serve you throughout the year if you have any questions at all Please reach out to Joni Faulkner on any of the following.

WHEN

ITS TIME TO ENROLL

QUESTIONS OR CONCERNS

Joni Faulkner +252-275-8082

Joni@FlatlandsJessup com 1420 E. Arlington Blvd. Suite A Greenville, NC 27858 Rem Morgan +252-275-8082

Rem@FlatlandsJessup com 1420 E. Arlington Blvd. Suite A Greenville, NC 27858

Health Insurance

All full-time employees at Triple C, Inc. are offered health insurance through Aetna. More than 50% of the employee only premium is paid for by Triple C, Inc. on the base plan and you have the option to chose the Buy Up plan and cover the difference. The plans cost and coverage highlights can be found below

Bi-Weekly Cost

Aetna.com is your go-to source for information about your health plan Look up in-network doctors, get cost estimates, check claims, progress towards deductibles and more

Preventive Care. This health plan covers a broad range of preventive services at no charge to you when using an innetwork provider.

Who's In-Network? In-network providers save you money, so be sure to find doctors, specialists, urgent care facilities and hospitals that are in your plan's network For more info, visit the website: Aetna com and register for your online account

How Drug Benefits Work. Getting prescription drugs is simple Learn how a standard plan works for pharmacy and prescription drug coverage at: Aetna com

Telehealth HelixVM offers reliable 24/7 health care by phone or video Aetna’s national network of board-certified doctors, pediatricians, dermatologists, psychiatrists, and therapists provides personalized care for hundreds of medical and behavioral health needs.

Buy Up - 5000 Plan

$5,000 $10,000 $7,750 $15,500 Covered 100% $40 Copay $80 Copay $75 Copay $300 Copay, 20% after Deductible $0 Copay

after Deductible

Deductible $3 / $10 Copay $50 Copay

Our Aetna policy is managed by Flatlands Jessup and they are here to serve you throughout the year. If you have any questions as you make your plan election, please feel free to reach out to Joni Faulkner at 252275-8082 or Joni@FlatlandsJessup.com.

Allergies

Cough, Cold & Flu

Diarrhea

Ear problems

Fever

Headaches Insect Bites

Sinus problems

Nausea & Vomiting

Sore throat

Urinary problems And more!

Teladocisanindependentcompanythatissolelyresponsibleforthetelehealthservicesitisproviding

What's available to me?

Dental insurance helps pay for all, or a portion, of the costs associated with dental care, from routine cleanings to root canals. Our dental insurance is through Principal and you may elect to purchase coverage if you're an active, full-time employee. To learn how to make full use of your plan, please start by following the steps below to set up your log-in at Principal.

Getting Started

5

Go to Principal.com and select log in. Or download the Principal app. 1. Select Create an Account 2. Enter Personal Information like date of birth and ID number. 3. Create a Username and Password, and provide an email address. 4. You will receive an email within a few minutes to confirm your account is ready to go You can access your account information anytime, 24/7, with the username and password you’ve just set

With access to your online portal you can view benefits, eligibility and claims. Search in network or out of network providers. View and print your Dental ID card.

Things to Remember:

Our deductibles and the annual maximum operate on a calendar year and reset January 1st of every year.

Routine exams and cleanings are covered twice per year Bitewing X-rays are covered once per calendar year Full mouth X-rays are covered every 60 months. Sealants are 1 per 36 months.

For additional information and plan details, please visit the Principal Summary of Benefits

Orthodontia is included for children with a $0

and 50% Coinsurance.

When you select a dentist within the Principal dental network, your cost may be lower.

To find a dentist within the Principal Plan Dental network, visit Principal.com/dentist or call 1-800-247-4695.

You have so many reasons to keep your eyes healthy. Ongoing vision care will help you maintain the best possible eye - and overall - health and well-being. Our Vision insurance is a voluntary coverage you may elect to enroll in if you're an active, full-time employee This plan provides choice, flexibility and savings through VSP network

Getting Started

1. Select Create an Account 2. Enter Personal Information like date of birth and ID number.

Go to Principal.com and select log in. Or download the Principal app.

3. Create a Username and Password, and provide an email address.

5.

4. You will receive an email within a few minutes to confirm your account is ready to go. You can access your account information anytime, 24/7, with the username and password you’ve just set.

With access to your online portal you can view benefits, eligibility and claims. Search in network or out of network providers. View and print your Vision ID card.

Plan Highlights:

Every 12 months, one exam is covered in full after a $10 copay

Prescription glasses or Necessary Contacts: 1 pair of lenses or contacts are covered every 12 months with a $25 copay.

Frames: $150 allowance every 24 months; 20% off amount over the allowance

Lens enhancements: Standard progressive lenses covered once every 12 months with a $0 copay.

Elective contacts: $150 allowance every 12 months with a $60 exam copay

For additional information and plan details, please visit the Principal Summary of Benefits.

Things to Remember:

How do I find a VSP doctor? Visit VSP.com and select "Choice" to locate VSP doctors close to you or to see if your current eye care professional is in the VSP Network

Additional savings with VSP: Savings on laser vision correction and additional pairs of prescription glasses and non prescription sunglasses.

If you need additional information regarding the VSP network, please call 1.800.877.7195.

Life Insurance

Triple C provides a $25,000 life insurance benefit to all active full time employees at no cost to you. This offering protects what matters - you, your family and your future. If something were to happen to you, your life insurance proceeds would go to the people you've designated as your beneficiaries and helps pay funeral costs, manage debt and cover ongoing expenses. At the age of 65, the benefit is reduced to 65% and at the age of 70 it reduces to 50% of the benefit amount.

Additional Voluntary Term Life Insurance

During Open Enrollment this year, you can elect up to $500,000 of coverage on yourself and you can elect up to $150,000 without submitting any medical questions. Any amount over the $150,000 requires Evidence of Insurability. You can also elect up to $200,000 on your Spouse and $10,000 on your children. For your spouse, you can elect up to $30,000 and $10,000 on your children without submitting medical questions. Please note, if you wish to elect coverage on your dependents, you must elect coverage of equal or greater value on yourself.

Following the online EOI process is easy! If Principal has the employees email, follow the 3 step process below.

Employee receives an email from Principal with instructions to complete their EOI online and a link to log-in. They can create an account if they do not already have one.

Employee completes required information online. After submitting, they either receive auto approval or notification that we need further health information. If more information is needed, the employee receives a letter with details.

Once a decision is made, you receive a letter. If the coverage is approved, it includes the effective date. If the coverage is declined, the employee also receives a letter which includes the reason.

Note to Employer: If Principal does not have the employees email, you can quickly initiate the process. You’ll receive an email stating we need an employee to complete EOI Log in to principal com and go to the Evidence of Insurability page under the group tab After clicking “Start EOI” next to the employee’s name, enter the employee’s email address and select “Online” Note choosing “Paper” during this step is not preferred-it will stop the online EOI process

For additional information and plan details, please visit the Principal Summary of Benefits. Also, please feel free to contact your Flatlands Jessup representative.

Short-Term Disability

Short-term disability is a voluntary coverage and is used as an income replacement benefit that provides a percentage of your earnings on a weekly basis when you are out of work on a disability claim. Once enrolled, employees are eligible to receive 60% of their predisability earnings up to a maximum of $1,000 per week if they become sick or disabled and will start on the 8th day and are eligible to receive its benefits for up to 12 weeks

The most common reasons for a short-term disability claim are: Premium Calculation Example (An employee earning 40k / yr)

Accidents Injuries Illnesses Pregnancy/maternity leave

How to File a Disability Claim with Principal

Filing Disability Claims can be done by Fax, Online, or email:

To start a short-term or long-term disability claim for an employee, please visit Principal.com and submit the claim online. You can also print and mail the forms in to the address below.

Submit forms by mail: Principal Life Insurance Company

List your weekly earnings

60% of your weekly earnings

Divide 60% of weekly earnings by 10

Multiply by the rate

Your Estimated Monthly Premium:

All members, regardless of age, employee rate is $.59 per $10 of weekly benefit.

Attn: Group Life & Disability Claims Department

711 High Street Des Moines, IA 50392-0002

Email: SBDClaims@Principal com

Phone: 800 245 1522

Fax: 800 255 6609

The Best For Your Family

Phone submissions available on employer request for cases with 300 lives or more.

For additional information and plan details, please visit the Principal Summary of Benefits Also, please feel free to contact your Flatlands Jessup representative

Plan Highlights:

Coverage for hospital stay due to sickness or injury is $1,000 for up to 1 day per year. Then $100 daily up to 30 days per year.

Coverage for ICU hospital stay due to sickness or injury is $2,000 for the first day up to 1 day per year. Then $200 daily up to 30 days per year

Plan provides a health screening benefit that reimburses $50 once per year for employees and their covered dependents.

Spouse and dependents receive 100% of employees benefit. No pre-existing conditions. Full maternity after 10 consecutive months of coverage.

What is it?

Hospital indemnity insurance provides employees with a direct payment when they are admitted to a hospital for an extended stay. An employee can spend the benefit on deductibles, coinsurance, prescription drugs, and more. Refer to plan document for any exclusions and limitations.

For additional information and plan details, please visit the Principal Summary of Benefits.

Also, please feel free to contact your Flatlands Jessup representative.

Plan Highlights:

CriticalIllnessinsuranceisa specialformofinsurancethat providespolicyholderswitha lumpsumpaymentintheevent ofacatastrophicdiagnosis. Thepolicyholdercanusethe moneytheyreceivehowever theylike.Manyputittoward medicalbillswhileothersuseit toreplacelostwageswhilethey gothroughrecovery.

Benefits amount available is $5,000 increments for employees. Covered conditions at 100% like Invasive cancer, heart attack, major organ failure, stroke, coma, paralysis, coronary artery disease, Alzheimer’s and Parkinson’s, MS, skin cancer and loss of hearing, sight or speech.

Spouse benefit available at 50% of employee’s benefit to a max of $25,000.

Children are automatically covered for 25% of the employee's benefit.

Covered illnesses at 100% of benefit for first occurrence includes: Alzheimer’s, benign brain tumor, coma, heart attack, invasive cancer, loss of hearing/sight/speech, major organ failure MS, paralysis, Parkinson’s, stroke.

Benefits available in $5,000 increments for employee and $2,500 for spouse.

Minimum amount $5,000 and maximum amount $50,000. Guaranteed issue $30,000 for employee, $15,000 for spouse.

Children are automatically covered for 25% of employee’s benefit.

Employees and their covered dependents are eligible to receive a routine wellness health screening benefit of $50 per year.

Here is an example of how it works: Casey is 40 years old and has purchased $10,000 of voluntary critical illness benefit coverage. Her cost will be $13.60/month. She suffered a stroke, which is one of the many critical illnesses that receive 100% of the benefit for her first occurrence. This means she will receive 100% of the benefit she pays for monthly, which would be $10,000 to help her pay for her medical bills from her stroke.

For additional information and plan details, please visit the Principal Summary of Benefits.

Also, please feel free to contact Joni Faulkner at 252-275-8082.

Plan Highlights:

Burns varying in severity paying up to $5,000 in benefit

Coma pays a flat $15,000 benefit.

Dislocations depending on surgical or non surgical pay benefits up to $7,500.

Varying benefit amounts are paid towards fractures up to $10,000.

Ruptured disk, tendon, ligament or rotator cuff with surgical repair all pay a flat $1,500 benefit.

This coverage also has Accidental Death and Dismemberment benefits.

Accident insurance is a layer of financial protection should an off the job accident occur. The benefit is paid in a lump sum that you can use to relieve the sting of unanticipated expenses after an accident. It also includes a $50 wellness benefit for employees and their covered dependents. What is it?

Glossary of Health Coverage & Medical Terms

AllowedAmount-Maximumamountonwhichpaymentisbasedforcoveredhealthcareservices Thismaybecalled“eligible expense, ”paymentallowanceor“negotiatedrate”Ifyourproviderchargesmorethantheallowedamount,youmayhavetopay thedifference (SeeBalanceBilling)

Appeal-Arequestforyourhealthinsurerorplantoreviewadecisionoragrievanceagain

BalanceBilling-Whenaproviderbillsyouforthedifferencebetweentheprovider’schargesandtheallowedamount For example,iftheprovider’schargeis$100andtheallowedamountis$70,theprovidermaybillyoufortheremaining$30 A preferredprovidermaynotbalancebillyouforcoveredservices

Co-insurance-Yourshareofthecostsofacoveredhealthcareservice,calculatedasapercent(forexample,20%)ofthe allowedamountfortheservice Youpayco-insuranceplusanydeductiblesyouowe Forexample,ifthehealthinsuranceor plan’sallowedamountforanofficevisitis$100andyou’vemetyourdeductible,yourco-insurancepaymentof20%wouldbe $20 Thehealthinsuranceorplanpaystherestoftheallowedamount

Co-payment-Afixedamount(forexample,$15)youpayforacoveredhealthcareservice,usuallywhenyoureceivetheservice Theamountcanvarybythetypeofcoveredhealthcareservice

Deductible-Theamountyouoweforhealthcareservicesbeforeyourhealthinsuranceorplanbeginstopay Forexample,if yourdeductibleis$1,000,yourplanwon’tpayanythinguntilyou’vemetyour$1,000deductibleforcoveredhealthcareservices subjecttodeductible Thedeductiblemaynotapplytoallservices

EmergencyMedicalCondition-Anillness,injury,symptomorconditionsoseriousthatareasonablepersonwouldseekcare rightawaytoavoidsevereharm

EmergencyRoomCare-Emergencyservicesyougetinanemergencyroom

HealthInsuranceAcontractthatrequiresyourhealthinsurertopaysomeorallofyourhealthcarecostsinexchangefora premium

Hospitalization-Careinahospitalthatrequiresadmissionasaninpatientandusuallyrequiresanovernightstay Anovernight stayforobservationcouldbeanoutpatientcare

In-networkCo-insurance-Thepercent(forexample,20%)youpayoftheallowedamountforcoveredhealthcareservicesto providerswhocontractwithyourhealthinsuranceorplan In-networkco-insuranceusuallycostsyoulessthanout-of-network co-insurance

In-networkCo-payment-Afixedamount(forexample,$15)youpayforcoveredhealthcareservicestoproviderswhocontract withyourhealthinsuranceorplan In-networkco-paymentsusuallyarelessthanout-of-networkco-payments

Network-Thefacilities,providersandsuppliersyourhealthinsurerorplanhascontractedwithtoprovidehealthcareservices

Non-PreferredProvider-Aproviderwhodoesn’thaveacontractwithyourhealthinsurerorplantoprovideservicestoyou. You’llpaymoretoseeanon-preferredprovider Checkyourpolicytoseeifyoucangotoallproviderswhohavecontractedwith yourhealthinsuranceorplan,ofifyourhealthinsuranceorplanhasa“tiered”networkandyoumustpayextratoseesome providers

Out-of-networkCo-payment-Afixedamount(forexample,$30)youpayforcoveredhealthcareservicesfromproviderswho donotcontractwithyourhealthinsuranceorplan Out-of-networkco-paymentsusuallyaremorethanin-networkco-payments

Out-of-PocketLimit-Themostyoupayduringapolicyperiod(usuallyayear)beforeyourhealthinsuranceorplanbeginsto pay100%oftheallowedamount.Thislimitneverincludesyourpremium,balance-billedchargesorhealthcareyourhealth insuranceorplandoesn’tcover Somehealthinsuranceorplansdon’tcountallofyourco-payments,deductibles,co-insurance payments,out-of-networkpaymentsorotherexpensestowardsthislimit

PhysicianServices-Healthcareservicesalicensedmedicalphysicianprovidesorcoordinates

Pre-AuthorizationCertainproceduresorhospitalizationsmayrequirethattheproviderreceiveauthorizations Theprovideris typicallytheonetogothroughtheprocesswiththeinsurancecompanyandobtainpre-authorization

Pre-Determination-Ifyouarehavingamajorproceduredone,yourdoctorordentistcansubmitapre-determinationtothe insurancecompanysoyoucanknowinadvanceoftreatmenthowmuchofthebillyouwillberesponsiblefor