Task Force Tips Benefit Guide | 2023

BENEFITS

GUIDE JANUARY 1 - DECEMBER 31, 2023

WELCOME to your

BENEFITS This benefit guide was created to help you navigate through your benefits in a quick and easy way.

You’ll see that many of your benefit resources are linked and can be clicked on right from the benefit guide.

After you read through the guide, be sure to download it so you can refer to this information throughout the year.

Welcome to Task Force Tips!

At Task Force Tips, we are committed to a comprehensive employee benefit program that helps our employees stay healthy, feel secure, and maintain a work/ life balance.

Whether staff members are already enrolled in Task Force Tips benefits or enrolling for the first time, learning more about benefits makes it easier for you to use them.

This guide will help you understand your benefits as you consider your choices.

PLANS

DIGITAL GUIDE

NAVIGATION

WHAT ONLINE FUNCTIONS ARE AVAILABLE? Your Home Screen.

Use the side arrows to jump to the next page or the previous page.

A SIMPLE WAY TO HELP YOU NAVIGATE THROUGH YOUR BENEFITS. This year, your 2023 Benefit Guide will be accessible online through your computer, tablet, or smartphone. It is designed to help you navigate through your benefits with a few simple clicks!

If you are using your computer, be sure to use your mouse to hover over graphics — some will lead you to interactive links.

If you are using a tablet or smartphone, look for the cursor icon and be sure to tap it on certain pages.

Navigation Bar on the bottom of the page.

Toggle thumbnails to quickly glance through the pages and pick which one you want to view.

Use full-screen mode to get a closer look. For an even closer look, zoom in with the magnifying glass.

Download a PDF to save the guide to your device.

Please note that some digital functions will be lost. You can also print your guide from the PDF.

HOW TO ENROLL

1

REVIEW your benefit guide.

Please follow the steps on the right side to complete your enrollment.

2

OPEN a web browser.

3

NAVIGATE to www.tft.4mybenefits.net

4

CLICK ON 2023 benefits.

5

CREATE an account on the right if you don’t already have one. Save your username and password for future logins.

QUESTIONS? Please contact your Human Resources department: Alicia: alicia.spagna@tft.com Denise: dmd@tft.com

Line 1: (EID) Your employee number Line 2: (PIN) Last 4 digits of your SSN 6

CLICK the green enrollment button to start.

7

FOLLOW the prompts to enroll in each benefit.

8

ONCE you’re enrolled, you will be given a confirmation number and confirmation statement (you may print the confirmation statement for your records).

9

CONGRATULATIONS! You’ve successfully enrolled!

Click here to go back to your benefit options!

4

REQUIRED DEPENDENT INFORMATION Be sure to have the following information available for each dependent: ✓ Full Name ✓ Date of birth ✓ Social Security Number ✓ Address (if different than yours)

WHAT CAN I DO ONLINE? Our online benefits website is available year round for you and your family and is great for making changes to your benefits, like: • Submitting a qualifying event such as a Birth of a Child, Marriage or Loss of Other Coverage (within 30 days of event).

• Updating your personal information, including a new address.

• And more

DISCOVERING

YOUR BENEFITS CARRIER/VENDOR

TFT PAYS

UMR

✓

YOU PAY

FIND IT ON PAGE

HEALTH BENEFITS Medical Plan Options Meet ALEX Plan Advisor & Care Search Reward$ Health Savings Account (HSA) Telehealth Employee Clinic Dental Plan Vision Plan Employee Assistance Program Flexible Spending Account (FSA)

TFT UMR Harris Bank OC24Health Marathon Health Lincoln Lincoln Franciscan Alliance

✓ ✓ ✓ ✓

10

✓

✓

TASC

14 15 16 20 22 23 24 25 26

FINANCIAL BENEFITS Group Life

Lincoln

Voluntary Life

Lincoln

✓ ✓

29 30

Short Term Disability

UMR

✓

31

Long Term Disability

Lincoln

✓

31

401(k) Profit Sharing

Fidelity

✓

33

Holidays and PTO Additional Benefits!

34 Various Providers

✓

5

✓

35

COVERING

YOU AND YOUR FAMILY

WHO IS ELIGIBLE EMPLOYEES

DEPENDENTS

Task Force Tips is proud to offer a comprehensive benefits package to eligible, full-time employees who work at least 30 hours per week and/or meet the requirements for continuing eligibility during an approved leave of absence. Eligible employees and qualified dependents may elect to participate or waive benefits being offered to them.

Many of the plans allow you to cover your eligible dependents, which include:

This guide provides information about the options available to you as a benefits eligible employee of Task Force Tips.

Please take time to learn about these benefits so you can make an informed decision. Making well -informed decisions can help you manage your outof-pocket costs and help control the rising cost of healthcare.

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•

Legally married spouse

•

Children up to age 26 including: •

Biological

•

Adopted

•

Any child you support who lives with you in a parent-child relationship and for whom you are the legal guardian

•

Disabled children of any age who are (or become) physically or mentally incapable of self-support while covered by our employee benefits program

ENROLLING

IN YOUR BENEFITS

NEW HIRE

OPEN ENROLLMENT

QUALIFYING LIFE EVENTS

1st of month following 30 days as a new employee

During the annual benefits open enrollment period

Within 30 days of a qualifying life event

Enroll at www.TFT.4mybenefits.net

Enroll at www.TFT.4mybenefits.net

What should you know?

J A N UA R

•

Elections made now will remain until the next open enrollment

•

You may elect to participate or waive benefits that are offered to you

Did you have any changes in benefits or your family?

Y

•

Enroll in benefits November 1st - 15th

•

Benefits begin on January 1st 7

Contact Human Resources

•

Marriage or Divorce

•

Birth or Adoption of child

•

You and/or your dependents become eligible or lose coverage with another group health plan

•

Spouse’s Open Enrollment

•

Change in work status (parttime to full-time)

WHAT DOES

THAT WORD MEAN?

ANNUAL DEDUCTIBLE

ANNUAL OUT-OF-POCKET MAXIMUM

BALANCE BILLING

COINSURANCE

COPAYMENTS OR COPAYS

HEALTH SAVINGS ACCOUNT (HSA)

FLEXIBLE SPENDING ACCOUNT (FSA)

EXPLANATION OF BENEFITS (EOB)

IN-NETWORK

MEDICARE

PREFERRED PROVIDER ORGANIZATION (PPO)

USUAL, CUSTOMARY, AND REASONABLE (UCR) CHARGES

Click here to go back to your benefit options!

Medicare Annual Out-of-Pocket Maximum Usual, Customary, Reasonable (UCR) A federal (Jan program 1 through ofand medical Dec care 31) benefits Annual Deductible designed for those permanently disabled or Charges Balance Billing Flexible Spending Account (FSA) (Jan 1 through Dec 31) over age Health Explanation 65.

Created Savings of under Benefits Account the Social (EOB) (HSA) Security Provider Organization ThePreferred most you pay in a calendar year for(PPO) covered In-Network Medicare law, A. Hospital Insurance Benefits for Healthcare charges that are determined by your services that are subject to Similar to the HSA, anthe FSA is also a savings Copayments orcoinsurance/copays.

Copays When you are billed for difference between Provides A special, Aged information and tax-advantaged, Disabled, Coinsurance about a basic how interest plan your bearing covering claim was Athe healthcare arrangement designed to provide health plan vendor and are based on the range The deductible is save included inand this amount.

The amount you arecharge required to pay per If account used to and pay for qualified the Aprovider’s group ofhelp doctors, actual hospitals and the other amount processed account hospital by to and the related insurance plan and care. pay company.

Persons for qualified age The 65 EOB healthcare services at a discounted cost for of fees charged by doctors with comparable you reach the annual out-of-pocket maximum, calendar year before certain benefits are paid medical Except while account The flat expenses. dollar amount you pay this fororwith certain in-is healthcare reimbursed providers under that the medical contract dental a plan healthcare The details are percentage automatically what expenses portion you eligible (including pay of the for for covered claim plan this was plan, deductible) expenses. but by members to use designated providers (the training and experience for the same orpaid similar the plan pays 100% of covered in-network for by the plan.

Once you meet the deductible tax-advantaged, it doesn’t gain interest and isat network services. vendor plan.

This to provide occurs quality when you healthcare go outside services ofisthe the they while insurance must covered enroll company by before a qualified and they what become high portion deductible covered your network), but which also provides coverage (at a service in your area.

When you receive ineligible expenses for the remainder of the plan amount, expenses are covered by the plan only good for one year.

There are medical FSAs preferred provider favorable network. rates.

Balance billing does (entitled).

B. Supplementary responsibility. health plan.

Medical Insurance lower level) for services received from providers network care, UCR charges dopercentage. not apply.

You are year.

Office visits and prescription copays are based onand the coinsurance This Dependent Care FSAs. not apply towards out-of-pocket maximum.

Benefits for the Aged and Disabled, a voluntary that are not part of the network. responsible for amounts over UCR for out-ofincluded in the annual out-of-pocket maximum deductible starts over every January 1st. supplementary plan covering the doctor’s network for our medical plans.

Thiscare. maximum startsbills over and other costsevery of medical and health services.

January 1st.

8

Health

BENEFITS

Click here to go back to your benefit options!

YOUR MEDICAL

PLANS

INSURANCE OPTIONS

Provided by UMR CORE PLAN

IN-NETWORK

OUT OF NETWORK

Annual Deductible Individual | Family

$1,000 | $3,000

$2,000 | $6,000

Out-of-Pocket Maximum Does not include Rx copays Individual | Family

$4,000 | $10,500

$8,000 | $21,000

80%

60%

WHAT IS THE MOST I WILL PAY?

Coinsurance Level

HOW DOES IT WORK AT THE DOCTOR’S OFFICE? Primary Care

$25 Copay

Specialist

$50 Copay

Lab Testing and Radiology

Deductible/Coinsurance

Wellness/Preventive Care/Well Child Care

100% - No Deductible

Immunizations, routine physical, pap smear, colon/prostate testing, cholesterol screening, mammogram

Deductible/Coinsurance

50% benefit up to a maximum of $1,000, subject to deductible.

Lasik Eye Surgery is a benefit only available to employees insured under the TFT Medical Insurance Plan.

Lasik Surgery

Please see Plan Document for full details.

Click here to go back to your benefit options!

Deductible/Coinsurance

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YOUR MEDICAL

PLANS

INSURANCE OPTIONS

Provided by UMR CORE PLAN IN-NETWORK

OUT OF NETWORK

WHAT IF I NEED EMERGENCY CARE? Urgent Care

$50 Copay

Emergency Room

Deductible/ Coinsurance

HOW DO PRESCRIPTIONS WORK? At a participating pharmacy Prescription Drug Out-of-Pocket Maximum Individual | Family

$2,000 | $2,500

Generic | Formulary | Non-Formulary | Specialty 1 - 34 day 35 - 60 day 61 - 90 day

CORE PLAN COST PER PAY Employee

$76.75

$50.50*

Employee + 1

$160.50

$124.50*

Family

$206.50

$164.00*

$10 | $25 | $40 | 25% to a max of $150 per RX $20 | $50 | $80 | N/A $25 | $62.50 | $100 | N/A

An additional $150 per pay will be added for spousal surcharge, if applicable. *This amount reflects your premium if you meet all 5 Health Standards based on your 2021 Wellness Screens. Participation is $10, & each of the 5 Health Standards is worth a premium credit of $3.25 Employee; $5.20 Employee + 1; or $6.50 Family - per pay period.

Please see Plan Document for full details.

Click here to go back to your benefit options!

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YOUR MEDICAL

INSURANCE OPTIONS

PLANS

Provided by UMR HDHP PLAN

with HSA option IN-NETWORK

OUT OF NETWORK

WHAT IS THE MOST I WILL PAY? Annual Deductible Individual | Family

$7,000 | $14,000 $3,500 | $7,000

Out-of-Pocket Maximum Individual | Family

$12,250 | $24,500

Coinsurance Level

100%

60%

100% after deductible

Deductible/Coinsurance

HOW DOES IT WORK AT THE DOCTOR’S OFFICE? Primary Care Specialist Lab Testing and Radiology

Deductible/Coinsurance

Wellness/Preventive Care/Well Child Care

100% - No Deductible

Immunizations, routine physical, pap smear, colon/prostate testing, cholesterol screening, mammogram

50% benefit up to a maximum of $1,000, subject to deductible.

Lasik Eye Surgery is a benefit only available to employees insured under the TFT Medical Insurance Plan.

Lasik Surgery

Click here to go back to your benefit options!

Deductible/Coinsurance

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What is an HSA?

PLANS

YOUR MEDICAL

INSURANCE OPTIONS

Provided by UMR HDHP PLAN IN-NETWORK

OUT OF NETWORK

100% after deductible

Deductible/Coinsurance

WHAT IF I NEED EMERGENCY CARE? Urgent Care Emergency Room

100% after in-network deductible

HOW DO PRESCRIPTIONS WORK? At a participating pharmacy

100% after deductible

HDHP PLAN COST PER PAY Employee

$63.75

$37.50*

Employee + 1

$129.75

$93.75*

Family

$165.50

$123.00*

An additional $150 per pay will be added for spousal surcharge, if applicable. *This amount reflects your premium if you meet all 5 Health Standards based on your 2021 Wellness Screens. Participation is $10, & each of the 5 Health Standards is worth a premium credit of $3.25 Employee; $5.20 Employee + 1; or $6.50 Family - per pay period.

Please see Plan Document for full details.

EARN CASH BACK when you save on healthcare with CareSearch Rewards!

Click to learn more.

Click here to go back to your benefit options!

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MEET

ALEX

Not sure which plan is right for you? Want to learn more about your benefits?

ALEX will ask you simple questions about your typical medical expenses and use your answers to recommend a health plan. ✓ PERSONALIZED ALEX helps you see which plan makes the most sense for YOU, not your co-workers, or your boss.

✓ EASY TO USE ALEX doesn’t ask for a username or password.

You just click the link from any computer, tablet, or smartphone, and go. Also, ALEX is completely free of boring insurance jargon and complicated legal jibber-jabber.

✓ CONFIDENTIAL While ALEX does ask questions about your personal situation to understand your needs, it’s completely confidential, and nothing you share with the tool will ever be recorded or shared.

To learn more, visit

www.myalex.com/Task-Force-Tips/tft-2023 Click here to go back to your benefit options!

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HEALTHCARE HELP

WHEN AND WHERE YOU NEED IT

WHATEVER IT TAKES UMR Plan Advisor provides TFT employees and their families a free problem-solving, frustration-fighting team on a mission to make your healthcare simpler.

If there’s a better way for you to experience your healthcare, Plan Advisor will find it. When you don’t know where to begin, start with your UMR Plan Advisor Coordinators. Think of them as your personal team of nurses, benefit experts and claims specialists who will do all they can to support your healthcare needs — starting with any questions you may have. And they are just a tap, click or call away!

START TODAY Save the number Visit the website 800-207-3172

Monday - Friday 8:30am - 10pm ET

www.umr.com

CARESEARCH REWARD$ CLICK HERE TO LEARN MORE The costs for healthcare services can vary a lot, depending on where you go for care. The Care Search Reward$ program rewards you and your spouse for choosing high-quality healthcare providers and lower cost options where you live.

When our doctor recommends an eligible medical procedure or test, login to your account on umr. com and select the Health Cost Estimator tile to get started. Confirm your zip code and search for the procedure. When you choose a provider, look for the two blue hearts. With Premium Care Physicians and/or “green” cost-effective facilities for certain qualifying procedures, you’ll receive money on a prepaid reward card from UMR. All resources are available at no cost to you.

Click here to go back to your benefit options!

HEALTH

SAVINGS ACCOUNT

Provided by Harris Bank

WHAT IS AN HSA?

WHO IS ELIGIBLE FOR AN HSA?

By enrolling in the HDHP medical plan, you will have access to a Health Savings Account (HSA), which provides tax advantages and can be used to pay for qualified health care expenses, such as your deductible, copayments, and other out-of-pocket expenses.

Anyone who is: •

Anyone who is NOT:

YOU HAVE CONTROL: •

Unused money rolls over from year to year in an interest bearing savings account.

•

You can use the funds on medical, dental and vision expenses for you and your family.

•

You can even invest your funds for the future.

•

There is no “use it or lose it” rule.

•

All money deposited is not taxed.

•

Withdrawals for eligible expenses are exempt from federal income tax.

•

You can earn interest tax free.

YOU SAVE ON TAXES:

Click here to go back to your benefit options!

Enrolled in the HDHP medical plan, which is a qualified High Deductible Health Plan.

16

•

Covered under any other medical plan that has copays.

•

Currently enrolled or plan to enroll in any other medical insurance plan (including, but not limited to: Medicare, a spouse or parent’s plan, Tri-Care or Medicaid). You should consult your tax advisor to determine your eligibility to receive contributions or to contribute to a Health Savings Account.

•

Eligible to be claimed as a dependent on someone else’s tax return.

CONTINUED

Want to learn more about how an HSA can save you money?

Click here!

IMPORTANT CONTRIBUTIONS Individuals age 55 and older are eligible to make catch-up contributions of an additional $1,000 annually.

HSA ADVANTAGES

Visit http://bit.ly/HSAadvantages

FOR 2023 Task Force Tips will also contribute to your HSA account. We will deposit the first $250 for single coverage and the first $500 for Employee +1 and Family coverage by the first payroll period of the year. Then we will match your contribution dollar for dollar up to a match of $250 for single coverage and up to a match of $500 for Employee + 1 and Family coverage. The employer matching contribution will be deposited into your account on a quarterly basis.

Contributions cannot exceed $3,850 for individual coverage and $7,750 for employee with dependent(s) coverage annually on a pre-tax basis for the 2023 tax year.

QUICK FACTS

Visit http://bit.ly/HSAfacts

ELIGIBLE EXPENSES

Visit http://bit.ly/HSAeligibleexpenses Click here to go back to your benefit options!

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WHERE TO

FIND CARE

WHERE TO GO AND WHEN

Click on the blue drop-down arrows to learn more about each option of care.

MARATHON HEALTH CLINIC

TELEHEALTH

PRIMARY CARE

EMERGENCY ROOM

$$

$$

$$$

$$$$

If you do not have a life- or limb-threatening medical emergency, nor have a PCP available, and don’t have a routine issue, then visit a local urgent care center.

If you do not have a life- or limb-threatening medical emergency, then go to your primary care doctor (PCP) if available.

If you do have a life- or limb-threatening medical emergency, then go to the emergency room.

The Marathon Health Clinic is usually the best choice for many primary and acute care services like labwork, minor injuries, pink eye, the flu, and some prescriptions.

The Marathon Health Clinic requires an appointment.

The Valparaiso location is open Mon-Fri, 8-5, and the Merrillville location is open Mon., Wed., Thur., Fri 8-5 and Tue. 7-4 (Both closed daily for lunch from 12-1).

Urgent care centers typically don’t require an appointment and are often open in the evenings and on weekends.

Plus, in-network urgent care centers are faster and much less expensive than the ER.

For care during normal office hours, it’s usually best to go to your primary care doctor. They can provide follow-up care and refer you to a specialist, if needed.

In the case of a true medical emergency, go to the ER. At the ER, true emergencies are treated first, and other cases must wait—sometimes for hours. And, it will cost you a lot more to get care at the ER.

Schedule an appointment: member.ourhealth.org/sign_in

Click here to go back to your benefit options!

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Find the right In-Network Care anytime with UMR online!

THE IMPORTANCE of PREVENTIVE CARE WHY DO YOU NEED PREVENTIVE CARE?

WHAT IS PREVENTIVE CARE?

Even when you’re feeling fine, a serious condition could later put your health at risk. Your health coverage offers specific preventive care services at no out-of-pocket cost when completed by an in-network provider.

Services are considered preventive when you don’t have any symptoms or diagnosed health issues connected with the preventive service. These services are often provided as part of your wellness exam.

Taking advantage of available services at the right time can help you stay healthier by:

You and your doctor will determine what services are right for you based on your:

✓

Identifying minor issues now before they develop into a major issue later

✓

Preventing certain illnesses and conditions

✓

Proactively detecting health problems at early stages, when treatments may be more successful

Click here to go back to your benefit options!

Age | Gender | Personal health history | Current health

WHAT IS NOT PREVENTIVE CARE? If you have been diagnosed by a doctor with a health issue, the additional screenings and tests following this diagnosis are no longer considered preventive.

Your health plan still provides coverage for these services, but they are not covered under your preventive benefit.

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TELEHEALTH

RESOURCES

AN AFFORDABLE OPTION FOR QUALITY MEDICAL CARE With OC24health, you and your whole family will receive easy, stress-free access to Board Certified medical doctors and licensed psychologists through Video Visits on your Smartphone, tablet or computer. Only $45 per virtual consult!

REGISTERING IS EASY!

EXAMPLES OF MEDICAL CONDITIONS Cold & Flu symptoms Allergies

1. Download the app on iTunes or Google Play, or visit www.oc24health.com

Pink eye

2. You’ll be prompted to register with basic information.

Respiratory Infection Sinus + skin problems

3. When you’re ready to see a doctor, click “See a Medical Doctor Now” in the app, type in the symptoms you’re experiencing and you’ll be connected with a physician within minutes!

Click here to go back to your benefit options!

CLICK HERE FOR OC24HEALTH FAQS!

And more!

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OC24health – Virtual Visit

American Health Network

HOW TO save more

MONEY

the Emergency Room only in the case of a true emergency. Utilize ✓ Visit the Task Force Tips Marathon Health Clinic for acute and routine care.

Check your area for Urgent Care locations for use when the clinic is not open.

Generic Prescriptions, if available. Ask your doctor for a generic ✓ Use or request the generic equivalent when having your prescription filled. Connect with TrueScripts to find where you can purchase your prescriptions at the lowest cost and even find coupons.

time and money by taking advantage of the formulary prescription ✓ Save drug list. Check TrueScripts’ web portal, MyDrugBenefit, for more details.

✓ Utilize In-Network Providers. Your medical costs increase greatly when you visit a provider who is not in the network. Always confirm your provider is in the UMR network, especially when being referred to another provider or facility for services.

✓ Be sure you and your dependents receive routine annual physical

exams and immunizations. Adults and children should have preventive health screenings recommended for their age for early detection of health conditions. All of these preventive services are covered at 100% on each of our plans.

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Marathon Health

CLINIC

MARATHON HEALTH SERVICES

Task Force Tips has partnered with Marathon Health to offer eligible employees FREE primary care services through an on-site clinic. The health clinics, located in Valparaiso and Merrillville, are staffed by providers to offer many healthcare services.

Personal primary care • On-site Lab • Personal Health Coaching • Value-based referrals • Chronic condition management On-site Rx (over 80 generic prescriptions available) • Online Employer Health Portal • Preventive screening (physicals, skin cancer, Pap, etc.)

LOCATIONS

HOURS Valparaiso: Mon-Fri 8 a.m. to 5 p.m.

Merrillville: Mon., Wed., Thur., Fri 8 a.m. to 5 p.m. and Tues 7 a.m. to 4 p.m.

Both locations closed daily for lunch from 12-1 p.m.

CONTACT

VALPARAISO 1105 Cumberland Crossing Dr. Next to the UPS store at the Cumberland Crossing shopping center

Schedule appointments on the member portal: member.ourhealth.org

MERRILLVILLE Inside Centier Bank Headquarters 600 E. 84th St., Suite 100

or call Valparaiso: 219-440-4835

On the east side of the Centier Corporate Centre

Merrillville: 219-801-3921

SERVICES & PRESCRIPTIONS PROVIDED AT THE CLINIC ARE FREE!* *Unless otherwise noted, services are offered at no cost to you, your eligible spouse and dependents (age 6 and up).

Click here to go back to your benefit options!

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YOUR DENTAL

INSURANCE OPTION

Provided by Lincoln IN- AND OUT-OF-NETWORK

BENEFITS Annual Deductible Individual | Employee + 1 or Family

$25 | $50

Annual Dental Benefit Maximum

$1,500 per person

Preventive

100%, no deductible

Basic

75% after deductible

Major Restorative

50% after deductible

ORTHODONTIA For dependent children under age 19 only Orthodontia Care

50%

Orthodontia Benefit Lifetime Maximum

$1,500

COST PER PAY Employee

$12.65

Employee + 1

$24.48

Family

$44.55

ELIGIBILITY: Dental insurance is an optional benefit provided for full-time employees and part-time employees (working 30 or more hours per week) and their dependents. Please see Plan Document for full details and frequency of services.

Click here to go back to your benefit options!

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YOUR VISION

INSURANCE OPTION

Provided by Lincoln

Maximum benefits per calendar year per person

IN-NETWORK

OUT-OF-NETWORK

Exam

Covered in full

Reimbursed Up to $80

$15 copay

Up to... $40 | $60 | $80 | $80

Lenses Single | Bifocal | Trifocal | Lenticular Contact Lenses In lieu of frames

$125

Frames

Up to $130

Up to $45

COST PER PAY

Vision coverage is separate from the Company Safety Glasses Program.

Please see Plan Document for full details.

Employee

$5.02

Employee + 1

$9.14

Family

$15.85

DID YOU KNOW? You don’t have to get your glasses through your eye doctor’s office! Ask for your prescription, then shop around at other vision vendors for the best price. Sometimes you can even get two pairs of glasses for the price of one.

Click here to go back to your benefit options!

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EMPLOYEE

ASSISTANCE PROGRAM Provided by Franciscan Alliance

An Employee Assistance Program (EAP) is a counseling and referral service designed to assist employees and their families in overcoming personal situations. EAP counselors are trained to deal with a wide variety of employee problems. They will offer you professional support and direction toward resolving the problem.

The Franciscan Alliance Northern Indiana Region EAP is staffed with professional counselors committed to providing you with services of the highest quality.

Who can use the EAP? Employees and family members living in the same household.

Are my contacts with the EAP confidential?

All information regarding the EAP will be held in strict confidence.

Will I be charged for EAP services?

The services of the EAP are an employee benefit and you can use them at no cost.

If you and your counselor decide that additional services are required by an outside resource, you will be responsible for any costs not covered by insurance.

AN EAP CAN ADDRESS THE FOLLOWING ISSUES:

WORK & CAREER

Click on the arrows to view some of the resources an EAP counselor can address.

FOR 24/7 ASSISTANCE: Call 800-747-7262

Click here to go back to your benefit options!

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FLEXIBLE

SPENDING ACCOUNT

Watch this video for a quick rundown!

http://bit.ly/FSAfacts

There are three types of Flexible Spending Accounts (FSA) you can have: a Healthcare FSA, a Dependent Care FSA, and a Limited Purpose FSA. Your eligibility for these accounts depends on the medical plan you choose.

Below is a description of each type of spending account.

HEALTHCARE FSA

DEPENDENT CARE FSA

The Healthcare FSA allows you to set aside pre-tax dollars to pay for eligible health-related expenses that may not be covered by insurance. This spending account is only available if you enroll in the Core Plan.

The Dependent Care FSA allows you to pay for dependent daycare while you are at work or school.

A few examples of Healthcare FSA include:

If you have dependent children under the age of 13 or dependents of any age who are unable to care for themselves, you can enroll in this plan and choose the amount you want to put aside for daycare.

• • • •

Medical and dental deductions, copays, and coinsurance Prescription drugs copay Eye exams, glasses, contacts, Lasik And more!

ELIGIBILITY

A few examples of eligible expenses include: •

Click here to learn more about the Healthcare FSA!

• •

LIMITED PURPOSE FSA

Daycare facility fees (excluding transportation, lunches and educational services) Before-school and after-school care Local day camp

The Limited Purpose FSA can be used to pay vision and dental expenses, allowing you to maximize tax-free contributions between the vision benefit and the dental plan. This account is only available if you enroll in the HDHP/HSA Plan.

See the next page for more important details about your FSA options!

Click here to go back to your benefit options!

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A NOTE ON DEPENDENT CARE FSA An eligible care provider can be any provider you choose, except a dependent child who is claimed as a dependent and is under the age of 19. The care provider must meet the requirements of your state. The services may be as informal as care provided by your neighbor, as long as the provider claims the money as income when determining their taxes at the end of the year.

PLAN Determine how much to contribute based on the contribution limits.

A NOTE ON CONTRIBUTIONS Healthcare FSA You can contribute a maximum of $2,750 annually.

SPEND

Limited Use FSA

Use your funds on eligible expenses by using your debit card or paying up front and submitting for reimbursement.

You can contribute a maximum of $2,750 annually.

Dependent Care FSA You can contribute a maximum of $5,000 annually (or $2,500 if married and filing separately).

USE IT OR LOSE IT RULE The FSA plan has a grace period. You have two-and-a-half months after the end of the plan year (December 31, 2023) to spend unused FSA funds and incur new FSA eligible expenses.

Any money that’s leftover at the end of the grace period due to IRS regulations is forfeited due to the “Use it or Lose it” rule.

You cannot cash out any remaining FSA funds, as money can only be used for FSA eligible expenses. The grace period allows you to use your FSA funds through March 15th, 2023.

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COLLECT Submit IRS-Required documentation to substantiate your claims and collect your reimbursement.

Financial

BENEFITS

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BASIC LIFE

INSURANCE

Provided by Lincoln

EMPLOYER-PAID LIFE INSURANCE In order to help provide financial security for an employee’s family in the event of death or dismemberment, Task Force Tips offers Basic Life insurance at no cost to full-time associates. Dependents are also eligible for basic life insurance.

EMPLOYEE

Equal to the amount of your salary or up to $50,000 maximum

SPOUSE

$5,000

CHILD Age 15 days to 24 years (up to 25 years if student)

You must designate a beneficiary for Basic Life and AD&D and Voluntary Life and AD&D. You have the right to change the beneficiary at any time by written or electronic notice. You can change your beneficiary by contacting Human Resources.

$3,000

HOW MUCH LIFE INSURANCE DO I NEED?

When it comes to protecting the financial security of you and your family, nothing is more important than planning ahead.

Even if you already have a life insurance policy in addition to the company-provided policy, it’s important to ask yourself if you have the protection you need to cover a ll your financial responsibilities.

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A FEW CATEGORIES TO CONSIDER...

Daily Living Expenses

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Mortgages and Other Loans

Children’s and Grandchildren’s Tuition

VOLUNTARY LIFE AND AD&D We provide all eligible employees the option of purchasing Voluntary Life and AD&D insurance through Lincoln. You cannot elect Voluntary Life and AD&D for your spouse and dependent children unless you elect coverage for yourself.

THINGS TO KNOW

EMPLOYEE

Units of $10,000, max of $200,000 Guarantee Issue: $200,000

SPOUSE

Units of $5,000, max of $50,000, not to exceed 50% of employee’s benefit Guarantee Issue: $50,000

CHILD

AGE REDUCTION SCHEDULE

1.

A “guarantee issue” amount is the dollar amount of coverage you can be approved for without completing a health questionnaire. Guarantee issue amounts only apply during the 31 days following your initial eligibility period.

2.

If you wish to enroll in the Voluntary Life and AD&D plan or increase your coverage after your initial eligibility period, you will be required to complete the Evidence of Insurability Form, which contains questions about your health.

•

Birth to 14 days: n/a

•

15 days to 6 months: $250

3.

•

6 months to 19 years (to 25 years if student): $5,000

Rates are based on your age and the amount of coverage you elect. Spouse rates are also based off of the employee age.

4.

This benefit is a one-time election and is only offered to new hires.

Age 65: 35% Age 70: Additional 35% Age 75: Additional 35%

EMPLOYEE & SPOUSE

Supplemental AD&D rates per $1,000

CHILD

Supplemental Life and AD&D rates per $5,000

Employee

$0.03

Life

$0.20

Spouse

$0.03

AD&D

$0.02

EMPLOYEE & SPOUSE

Supplemental life rates per $1,000

Age

<25

25-29

30-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

70-74

75+

Rate

$0.081

$0.099

$0.135

$0.153

$0.198

$0.297

$0.450

$0.837

$1.287

$2.475

$4.014

$4.014

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DISABILITY

INSURANCE

Provided by UMR & Lincoln

Task Force Tips is excited to continue its investment in YOU by offering you free Short Term Disability (STD) coverage through UMR and Long Term Disability (LTD) coverage through Lincoln.

STD and LTD coverage is paycheck protection for those moment in life you’re unable to work due to injury or sickness. We hope this benefit provides peace of mind on those rainy days. In the event you become disabled from a non work related injury or sickness, disability income benefits provide a source of income while you are unable to work.

GOOD TO KNOW! These benefits work together to make sure you don’t have a gap in coverage. When STD coverage is exhausted following 13 weeks of disability, LTD coverage takes effect if you are still unable to return to work.

View more plan details on the next page!

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DID YOU KNOW? 1 IN EVERY 8

30%

people will become disabled for five years or more in their lifetime.

of people use disability.

46% of all foreclosures are caused by financial hardship due to a disability.

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EMPLOYER-PAID SHORT-TERM DISABILITY

VOLUNTARY LONG-TERM DISABILITY

STD provides income protection for disabilities that occur due to injury or sickness and last for a short period of time.

LTD provides income protection against a long-term injury or sickness that extends beyond the period covered by the short-term disability plan.

It is offered to all full-time benefit eligible employees. If an employee is unable to work due to injury or sickness, STD will cover a portion of the employee’s income per week.

LTD is also offered to all full-time benefit eligible employees. It replaces a portion of your pre-disability earnings up to a monthly benefit maximum due to accident or illness and continues to the latter of age 65 or SSNRA.

STD through UMR Benefit Amount

60% Weekly Earnings

When are Benefits Payable?

1st day of an inpatient hospitalization or surgery 8th day after an illness or accident

Maximum Benefit

$1,000 per week

Maximum Benefit Duration

13 Weeks

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LTD through Lincoln

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Benefit Amount

60% of salary

When are Benefits Payable?

After 90 days of disability

Maximum Benefit

$8,000 per month

INVESTING IN

YOUR FUTURE ELIGIBILITY

401(K) RETIREMENT SAVINGS PLAN

You are eligible to contribute to the plan at the first entry date after employment. Entry dates are Jan. 1, April 1, July 1, and Oct. 1.

Your contributions are tax-deferred savings – your taxes are determined after the savings deduction has been taken out. You become 100% vested after 6 years. Details of the vesting schedule may be obtained from the CFO or in the summary plan document. Matching contributions are discretionary and may be stopped and started by TFT at any time.

TFT participates in automatic enrollment, therefore you will be automatically enrolled in the 401(k) savings plan when you have met eligibility criteria.

PROFIT SHARING Employees are eligible for an annual profit sharing contribution once eligibility requirements have been met. If you do not participate in the 401(k) plan, you are still eligible for a profit sharing contribution.

INVESTMENT ADVISORS Also offered to TFT employees is investment advisor services through CAPTRUST located in Chesterton, Indiana. They offer a multitude of services which includes a personal review of your 401(k) plan and future financial planning. To make an appointment, call 219-926-1182.

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YOUR 2023

HOLIDAY SCHEDULE

We recognize our employees have family responsibilities as well as work responsibilities. Task Force Tips offers benefits to make life a little more manageable.

VACATION

All full-time employees will be eligible for paid vacation hours granted annually each January 1st. In an employee’s first year of hire, he/she will be eligible for a pro-rate of up to 80 vacation PERSONAL TIME Effective 1-1-2023: All full-time hourly non-exempt employees hours. This is calculated based on hire month and granted after will be eligible for up to 32 hours of paid personal time each 90 days of active employment. calendar year. Personal time hours are granted on an annual After 2 years of active employment, employees will have an basis on each Jan. 1. In an employee’s first year of hire, he/she will additional eight vacation hours granted on each January be eligible for pro-rated personal time hours calculated based 1st. After 11 years of active employment, an employee will have on hire date and granted after 30 days of active employment. 160 vacation hours granted which is the maximum amount in a Personal time hours must be used in the year in which they are given year. granted, or up to 16 hours of unused personal time can be paid out at the end of the year.

See the employee handbook for the full vacation policy.

9 Paid Holidays!

NEW YEAR’S DAY

MLK JR. DAY

INDEPENDENCE DAY

LABOR DAY

DAY AFTER THANKSGIVING

CHRISTMAS EVE*

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MEMORIAL DAY

THANKSGIVING DAY

CHRISTMAS DAY

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*When Christmas Eve falls on a weekday, it will be designated as a holiday. Christmas Eve will not be designated as a holiday in the years where it falls on a Saturday or Sunday; instead, TFT will switch this holiday to be either the day before or the day after July 4.

ADDITIONAL

BENEFITS

Provided by Task Force Tips

BEREAVEMENT LEAVE

Employees are allowed five paid days off in the event of the death of an immediate family member and two paid days off in the event of the death of a close family member.

THE BURN UNIT

TFT’s on-site work out center for employees and their family members. (Must meet eligibility guidelines).

COMPANY SOCIAL EVENTS

TFT sponsors events for employees and occasionally employees’ families. Currently, and always changing, are the annual company luncheon, the Children’s Holiday party, and a fun summer event.

EDUCATIONAL ASSISTANCE

For approved courses, you are eligible to receive tuition reimbursement in the amount of $800 per semester with a maximum reimbursement for the year of $1,600.

See the Employee Handbook for details regarding participation.

PARENTAL LEAVE

Fathers and Adoptive Parents are eligible for 40 hours of paid leave. Birth mothers are eligible for 160 hours of paid leave. The leave must be taken within six months of the qualifying event.

New employees will earn a stay bonus of $1,000 payable in two increments: $500 upon completion of six (6) months of active service/work at Task Force Tips, and the second $500 will be payable after one year of active employment, through the next reasonable payroll cycle following the respective anniversary date.

SCHOLARSHIPS FOR EMPLOYEES’ CHILDREN

“Scholarships” are available to employees’ children enrolled in college. The amount of assistance is dependent upon the employee’s tenure with the company. Once an initial application has been submitted for a scholarship, continued assistance is dependent upon satisfactory grades (C average or better) per semester in which assistance is received.

TRAINING CENTER

Task Force Tips offers an on-site, state-of-the-art training center to provide our employees with the skills they need to productively solve problems and adapt to technological changes.

UNIFORMS

Uniforms are available to all shop employees. If the standard uniform is worn, TFT will pay for a portion of cleaning the uniforms through the uniform provider. January and July are the two entrance months in which you can obtain your uniform. Logo wear is available to any employee at a nominal charge.

WELLNESS

REFERRAL BONUS

Effective 2-28-2023: A $1,000 referral bonus will be offered to current employees bringing in a new full-time employee. The first $500 will be paid to the employee when the newly recruited employee successfully completes six (6) months of active employment and the second $500 after the new employee completes one year of active employment working at Task Force Tips.

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STAY BONUS

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Each year, TFT sponsors a wellness screening conducted through the Marathon Health Clinic that is free to employees and their spouses. On-site flu shots are also available free of charge to employees during the fall.

WORKER’S COMPENSATION

TFT covers all employees, at no cost, with worker’s compensation insurance in the event of a work-related injury and lost time from work due to a work-related injury.

IMPORTANT

BENEFIT CONTACTS

BENEFIT

PROVIDER

Medical Prescriptions STD Care Search Reward$

UMR

Vision

PHONE 800-826-9784

WEBSITE/EMAIL www.UMR.com

Plan Advisor 24/7: 800-207-3172

To look up a network provider: www.umr.com/oss/cms/UMR/Choice_Plus_Excl.html

Lincoln

800-440-8453

www.lvc.lfg.com

Dental Life and AD&D LTD

Lincoln

877-275-5462

www.lfg.com

HSA

Harris Bank

888-340-2265

www.harrisbank.com

401(k)

Fidelity

800-835-5097

www.401k.com

Investment Advisors

Captrust

219-926-1182 or 800-926-0494

www.captrust.com

EAP

Franciscan Alliance

800-747-7262

www.franciscanalliance.org

FSA

TASC

800-422-4661

www.tasconline.com

Marathon Health Clinic Valparaiso Merrillville

Marathon Health

219-440-4835 219-801-3921

valparaiso@ourhealth.org centier@ourhealth.org

Alicia Spagna

TFT

219-548-1021

alicia.spagna@tft.com

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The information in this Enrollment Guide is presented for illustrative purposes and is based on information provided by the employer.

The text contained in this Guide was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the Guide and the actual plan documents, the actual plan documents will prevail.

All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996.