Marble Falls ISD Benefits Guide

OPEN ENROLLMENT INFORMATION The 20ϮϮ-2ϯ Section 125 Cafeteria Plan year begins 09/01/20ϮϮ and ends 08/31/202ϯ.

All benefits elected during the annual open enrollment will be effective 09/01/20ϮϮ.

Know Your Benefits! Below is a summary of benefits offered through MFISD. x

x x

x

x

x x x x x x x x

Medical ( ^, Scott & White) - Health Insurance is provided by TRS ActiveCare. Please visit www.ďĐďƐƚdž͘trsactiveͬďĂ.com for questions related to health insurance or prescription benefits.

Hospital Indemnity (Allstate) – Benefits are paid directly to the insured to help with out of pocket expenses related to a hospital confinement. Maternity benefits are included.

TeleMedicine – TelaDoc, Access to physicians for non-emergency treatment/prescriptions is currently available with TRS Aetna Health Plans only. For questions please contact Teladoc directly at 1-855TELADOC (835-2362).

Dental (Ameritas) – Coverage for preventive, basic, major, and ortho services. The plan does not contain waiting periods. Remember that annual maximums reset on September 1st and that you will not receive a card. Temporary cards are available for print on the MFISD benefits website.

Vision ( ŵĞƌŝƚĂƐ) – Plans includes coverage for eye exams, materials (such as frames and lenses), and discounts for laser vision correction. The plan has a defined network of providers. Out of network benefits are available on a reimbursement basis only. For more information, including a list of providers visit ǁǁǁ͘ĂŵĞƌŝƚĂƐ͘ĐŽŵ͘ Disability (The Standard) – Long term income protection that is designed to provide up to 70% of your gross income.

Permanent Life (Texas Life) – Portable, permanent life insurance available for employees, their spouses and dependents. Employees can keep the coverage upon termination or retirement from MFISD. Group Life (Lincoln) – Group term life insurance that ends when you terminate employment with MFISD. Coverage is also available for spouses and dependent children.

Critical Illness (MetLife) – Critical Illness pays a lump sum benefit if the insured is diagnosed with a covered critical illness.

Cancer (Transamerica) – Pays benefits for internal cancer diagnosis. Includes an annual cancer screening benefit.

Accident (Allstate) – Pays benefits for off the job accidents and related treatments. Includes a physical/wellness exam reimbursement.

Flexible Spending (TASC) –Make sure to spend/claim the money in your current reimbursement account

by August 31, 20ϮϮ. Visit www͘ƵďĂ.tasconline.com to check account balances or request information OMNI Retirement Plans – MFISD offers tax advantaged retirement plans designed to help supplement your TRS retirement benefits. Visit www.omni403b.com for more information.

ŶƌŽůůŵĞŶƚ /ŶƐƚƌƵĐƚŝŽŶƐ ĨŽƌ d, ďĞŶĞĨŝƚƐ,h Site Access͗ To access your employer online enrollment site, d, ďĞŶĞĨŝƚƐ,h , you can ůŽŐŝŶ ƚŽ ƚŚĞ ĨŽůůŽǁŝŶŐ ǁebsite ǁǁǁ͘ŵLJďĞŶĞĨŝƚƐŚƵď͘ĐŽŵͬŵĂƌďůĞĨĂůůƐŝƐĚ͘

hƐĞƌŶĂŵĞ͗ dŚĞ ĨŝƌƐƚ Ɛŝdž ;ϲͿ ĐŚĂƌĂĐƚĞƌƐ ŽĨ LJŽƵƌ ůĂƐƚ ŶĂŵĞ͕ ĨŽůůŽǁĞĚ ďLJ ƚŚĞ ĨŝƌƐƚ ůĞƚƚĞƌ ŽĨ LJŽƵƌ ĨŝƌƐƚ ŶĂŵĞ͕ ĨŽůůŽǁĞĚ ďLJ ƚŚĞ ůĂƐƚ ĨŽƵƌ ;ϰͿ ĚŝŐŝƚƐ ŽĨ LJŽƵƌ ^^E͗ džĂŵƉůĞ͗ mployee Eame Ͳ Robert Smith, SS# 123-45-6789

User Name: smithƌ6789

Default Password͗ ŽŵƉůĞƚĞ >ĂƐƚ EĂŵĞ ; džĐůƵĚŝŶŐ WƵŶĐƚƵĂƚŝŽŶͿ ĨŽůůŽǁ ďLJ ƚŚĞ ůĂƐƚ ĨŽƵƌ ;ϰͿ ĚŝŐŝƚƐ ĨŽƌ LJŽƵƌ ^^E Password ZĞƐĞƚ͗ ŵƉůŽLJĞĞƐ ǁŝůů ƉƌŽŵƉƚĞĚ ƚŽ ƵƉĚĂƚĞ ƚŚĞ password once you enter the site.

More Important Information Covering Dependents?

To include dependents on any of your coverages through MFISD you must provide the dependents name, date of birth, and social security number.

Making Changes During Year Choose your benefits carefully. Several of the employee benefits plan contributions are made on a pre-tax basis and per IRS regulations, contribution amounts cannot be changed unless you experience a qualified life event.

Qualifying life events include: x x x x x

Marriage, divorce, legal separation; Death of spouse or dependent; Birth or adoption of a child; Changes in employment for spouse or dependents; Significant cost or coverage changes;

You must submit your benefit change requests and include required documentation within 30 days of the event.

Also note that per the IRS, only changes consistent with the life event are allowed.

New Employees New employees must enroll within 30 days of their hire date. If employees fail to enroll within the 30 days, all benefits will be waived.

Except for health insurance, plans will be effective on the first of the month following the date of hire. Health Insurance can be effective the date of hire or the first of the month following date of hire. Please be aware that if you choose date of hire as effective date for health insurance, you will be charged for the entire month.

Very Important Please carefully review your paycheck(s) to ensure all deductions are correct. If you find a discrepancy in your paycheck, please contact U.S. Employee Benefits immediately at (888) 836-5100. Discrepancies must be communicated within 30 days from the effective date of the policy.

Benefit tĞďƐŝƚĞ For contact information, claim forms, benefits guides and more please visit͗

ǁǁǁ͘ŵLJďĞŶĞĨŝƚƐŚƵď͘ĐŽŵͬŵĂƌďůĞĨĂůůƐŝƐĚ

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Contact Information

TABLE OF CONTENTS Page(s) ϮϬϮϮ - ϮϬϮϯ Important Information

1-2

Table of Contents

3-4

Dental - Ameritas Phone: Website:

800.487.5553 www.ameritas.com

Vision - ŵĞƌŝƚĂƐ Phone: Website:

800.487.5553 www.ameritas.com

ϱ-ϳ

ϴͲϵ

Employee Assistance Program - BDA Phone: 888.293.6948 Website: www.eapbda.com

1Ϭ-1ϭ

Disability - The Standard Phone: Website:

1Ϯ-1ϳ 800.368.1135 www.standard.com

Permament Life Insurance - Texas Life Phone: 800.283.9233 Website: www.texaslife.com

ϭϴ

Group Life Insurance - Lincoln Financial Phone: 800.423.2765 Website: www.lincolnfinancial.com

ϭϵͲϮϰ

Accident - Allstate Phone: Website:

ϮϱͲϮϴ 800.521.3535 www.allstatebenefits.com/mybenefits

Hospital Indemnity - Allstate Phone: 800.521.3535 Website: www.allstatebenefits.com/mybenefits

ϮϵͲϯϭ

Cancer - Transamerica Phone: Website:

ϯϮͲϯϵ 888.763.7474 www.transamericabenefits.com

Critical Illness - MetLife Phone: Website:

800.438.6388 www.metlife.com

ϰϬͲϰϮ

This guide contains a summary of the benefits offered by Marble Falls ISD. If there is a conflict between the terms of this outline of benefits and the actual contracts, the terms of the contracts will prevail.

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Contact Information

TABLE OF CONTENTS Flexible Spending Accounts - TASC Phone: 800.422.4661 Website: www.ƵďĂ͘tasconline. ĐŽŵ

ϰϯͲϰϰ

Health Savings Account Ͳ ,^ ĂŶŬ Phone: 800.357.6247 www.hsabank.com Website

ϰϱͲϰϲ

Retirement Plan Information - The Omni Group Phone: 877.544.6664 Website: www.omni403b.com

ϰϳ

ADDITIONAL CONTACT INFORMATION TRS ActiveCare - ^ Phone: Website:

8ϲϲ͘ϯϱϱ͘ϱϵϵϵ www.ďĐďƐƚdžͬtrsactivecareͬďĂ.com

TRS ActiveCare - Scott & White Phone: 800.321.7947 Website: www.trs.swhp.org U.S. Employee Benefits Services Group Phone:ϴϴϴͲϴϯϲͲϱϭϬϬ Website: ǁǁǁ͘ŵLJďĞŶĞĨŝƚƐŚƵď͘ĐŽŵͬŵĂƌďůĞĨĂůůƐŝƐĚ Brady Scott, Director Email: ďƐĐŽƚƚΛƵƐĞďƐŐ͘ĐŽŵ ^ŚĞƌƌLJ ^ŬŝĚŵŽƌĞ͕ Account Executive Emaiů͗ ƐƐŬŝĚŵŽƌĞ@usebsg.com Legal Shield - Jason Lavender Phone: Email:

ϱϭϮ͘ϳϰϬ͘ϯϯϮϮ jlavender@legalshieldassociate.com

This guide contains a summary of the benefits offered by Marble Falls ISD. If there is a conflict between the terms of this outline of benefits and the actual contracts, the terms of the contracts will prevail.

4

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ΨϯϮ͘ϵϲ Ψϲϳ͘ϰϰ ΨϭϭϮ͘Ϯϴ

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5

D Z > & >>^ /E W E Ed ^ ,KK> /^dZ/ d ĞŶƚĂů ,ŝŐŚůŝŐŚƚ ^ŚĞĞƚ Zdž ^ĂǀŝŶŐƐ KƵƌ ǀĂůƵĞĚ ƉůĂŶ ŵĞŵďĞƌƐ ĂŶĚ ƚŚĞŝƌ ĐŽǀĞƌĞĚ ĚĞƉĞŶĚĞŶƚƐ ĐĂŶ ƐĂǀĞ ŽŶ ƉƌĞƐĐƌŝƉƚŝŽŶ ŵĞĚŝĐĂƚŝŽŶƐ Ăƚ ŽǀĞƌ ϲϬ͕ϬϬϬ ƉŚĂƌŵĂĐŝĞƐ ĂĐƌŽƐƐ ƚŚĞ ŶĂƚŝŽŶ ŝŶĐůƵĚŝŶŐ s^͕ tĂůŐƌĞĞŶƐ͕ ZŝƚĞ ŝĚ ĂŶĚ tĂůŵĂƌƚ͘ dŚŝƐ Zdž ĚŝƐĐŽƵŶƚ ŝƐ ŽĨĨĞƌĞĚ Ăƚ ŶŽ ĂĚĚŝƚŝŽŶĂů ĐŽƐƚ͕ ĂŶĚ ŝƚ ŝƐ ŶŽƚ ŝŶƐƵƌĂŶĐĞ͘ dŽ ƌĞĐĞŝǀĞ ƚŚŝƐ Zdž ĚŝƐĐŽƵŶƚ͕ ŵĞƌŝƚĂƐ ƉůĂŶ ŵĞŵďĞƌƐ ũƵƐƚ ŶĞĞĚ ƚŽ ǀŝƐŝƚ ƵƐ Ăƚ ĂŵĞƌŝƚĂƐ͘ĐŽŵ ĂŶĚ ƐŝŐŶ ŝŶƚŽ ;Žƌ ĐƌĞĂƚĞͿ Ă ƐĞĐƵƌĞ ŵĞŵďĞƌ ĂĐĐŽƵŶƚ ǁŚĞƌĞ ƚŚĞLJ ĐĂŶ ĂĐĐĞƐƐ ĂŶĚ ƉƌŝŶƚ ĂŶ ŽŶůŝŶĞͲŽŶůLJ Zdž ĚŝƐĐŽƵŶƚ ƐĂǀŝŶŐƐ / ĐĂƌĚ͘

LJĞǁĞĂƌ ^ĂǀŝŶŐƐ ŵĞƌŝƚĂƐ ƉůĂŶ ŵĞŵďĞƌƐ ŵĂLJ ƌĞĐĞŝǀĞ ƵƉ ƚŽ ϭϱй ŽĨĨ ĞLJĞǁĞĂƌ ĨƌĂŵĞƐ ĂŶĚ ůĞŶƐĞƐ ƉƵƌĐŚĂƐĞĚ Ăƚ ĂŶLJ tĂůŵĂƌƚ sŝƐŝŽŶ ĞŶƚĞƌ ŶĂƚŝŽŶǁŝĚĞ͘ DĞŵďĞƌƐ ŵĂLJ ĂůƐŽ ďƌŝŶŐ ŝŶ ƚŚĞŝƌ ĐƵƌƌĞŶƚ ǀŝƐŝŽŶ ƉƌĞƐĐƌŝƉƚŝŽŶ ĨƌŽŵ ĂŶLJ ǀŝƐŝŽŶ ĐĂƌĞ ƉƌŽǀŝĚĞƌ ĂŶĚ ƉƵƌĐŚĂƐĞ ĞLJĞǁĞĂƌ Ăƚ tĂůŵĂƌƚ͘ dŚŝƐ ƐĂǀŝŶŐƐ ĂƌƌĂŶŐĞŵĞŶƚ ŝƐ ŶŽƚ ŝŶƐƵƌĂŶĐĞ͗ ŝƚ ŝƐ ĂǀĂŝůĂďůĞ ƚŽ ŵĞŵďĞƌƐ Ăƚ ŶŽ ĂĚĚŝƚŝŽŶĂů ĐŽƐƚ ƚŽ ƚŚĞŝƌ ƉůĂŶ ƉƌĞŵŝƵŵ͘ dŽ ƌĞĐĞŝǀĞ ƚŚĞ ĞLJĞǁĞĂƌ ƐĂǀŝŶŐƐ ŝĚĞŶƚŝĨŝĐĂƚŝŽŶ ĐĂƌĚ͕ ŵĞƌŝƚĂƐ ƉůĂŶ ŵĞŵďĞƌƐ ĐĂŶ ǀŝƐŝƚ ĂŵĞƌŝƚĂƐ͘ĐŽŵ ĂŶĚ ƐŝŐŶͲŝŶ ;Žƌ ĐƌĞĂƚĞͿ Ă ƐĞĐƵƌĞ ŵĞŵďĞƌ ĂĐĐŽƵŶƚ͘ DĞŵďĞƌƐ ŵƵƐƚ ƉƌĞƐĞŶƚ ƚŚĞ ŵĞƌŝƚĂƐ LJĞǁĞĂƌ ^ĂǀŝŶŐƐ ĂƌĚ Ăƚ ƚŝŵĞ ŽĨ ƉƵƌĐŚĂƐĞ ƚŽ ƌĞĐĞŝǀĞ ƚŚĞ ĚŝƐĐŽƵŶƚ͘

ĞŶƚĂů ZĞǁĂƌĚƐΠ dŚŝƐ ĚĞŶƚĂů ƉůĂŶ ŝŶĐůƵĚĞƐ Ă ǀĂůƵĂďůĞ ĨĞĂƚƵƌĞ ƚŚĂƚ ĂůůŽǁƐ ƋƵĂůŝĨLJŝŶŐ ƉůĂŶ ŵĞŵďĞƌƐ ƚŽ ĐĂƌƌLJŽǀĞƌ ƉĂƌƚ ŽĨ ƚŚĞŝƌ ƵŶƵƐĞĚ ĂŶŶƵĂů ŵĂdžŝŵƵŵ͘ ŵĞŵďĞƌ ĞĂƌŶƐ ĚĞŶƚĂů ƌĞǁĂƌĚƐ ďLJ ƐƵďŵŝƚƚŝŶŐ Ăƚ ůĞĂƐƚ ŽŶĞ ĐůĂŝŵ ĨŽƌ ĚĞŶƚĂů ĞdžƉĞŶƐĞƐ ŝŶĐƵƌƌĞĚ ĚƵƌŝŶŐ ƚŚĞ ďĞŶĞĨŝƚ LJĞĂƌ͕ ǁŚŝůĞ ƐƚĂLJŝŶŐ Ăƚ Žƌ ƵŶĚĞƌ ƚŚĞ ƚŚƌĞƐŚŽůĚ ĂŵŽƵŶƚ ĨŽƌ ďĞŶĞĨŝƚƐ ƌĞĐĞŝǀĞĚ ĨŽƌ ƚŚĂƚ LJĞĂƌ͘ ŵƉůŽLJĞĞƐ ĂŶĚ ƚŚĞŝƌ ĐŽǀĞƌĞĚ ĚĞƉĞŶĚĞŶƚƐ ŵĂLJ ĂĐĐƵŵƵůĂƚĞ ƌĞǁĂƌĚƐ ƵƉ ƚŽ ƚŚĞ ƐƚĂƚĞĚ ŵĂdžŝŵƵŵ ĐĂƌƌLJŽǀĞƌ ĂŵŽƵŶƚ͕ ĂŶĚ ƚŚĞŶ ƵƐĞ ƚŚŽƐĞ ƌĞǁĂƌĚƐ ĨŽƌ ĂŶLJ ĐŽǀĞƌĞĚ ĚĞŶƚĂů ƉƌŽĐĞĚƵƌĞƐ ƐƵďũĞĐƚ ƚŽ ĂƉƉůŝĐĂďůĞ ĐŽŝŶƐƵƌĂŶĐĞ ĂŶĚ ƉůĂŶ ƉƌŽǀŝƐŝŽŶƐ͘ /Ĩ Ă ƉůĂŶ ŵĞŵďĞƌ ĚŽĞƐŶΖƚ ƐƵďŵŝƚ Ă ĚĞŶƚĂů ĐůĂŝŵ ĚƵƌŝŶŐ Ă ďĞŶĞĨŝƚ LJĞĂƌ͕ Ăůů ĂĐĐƵŵƵůĂƚĞĚ ƌĞǁĂƌĚƐ ĂƌĞ ůŽƐƚ͘ Ƶƚ ŚĞ Žƌ ƐŚĞ ĐĂŶ ďĞŐŝŶ ĞĂƌŶŝŶŐ ƌĞǁĂƌĚƐ ĂŐĂŝŶ ƚŚĞ ǀĞƌLJ ŶĞdžƚ LJĞĂƌ͘ ĞŶĞĨŝƚ dŚƌĞƐŚŽůĚ

ΨϱϬϬ

ĞŶƚĂů ďĞŶĞĨŝƚƐ ƌĞĐĞŝǀĞĚ ĨŽƌ ƚŚĞ LJĞĂƌ ĐĂŶŶŽƚ ĞdžĐĞĞĚ ƚŚŝƐ ĂŵŽƵŶƚ

ŶŶƵĂů ĂƌƌLJŽǀĞƌ ŵŽƵŶƚ

ΨϮϱϬ

ĞŶƚĂů ZĞǁĂƌĚƐ ĂŵŽƵŶƚ ŝƐ ĂĚĚĞĚ ƚŽ ƚŚĞ ĨŽůůŽǁŝŶŐ LJĞĂƌΖƐ ŵĂdžŝŵƵŵ

DĂdžŝŵƵŵ ĂƌƌLJŽǀĞƌ

Ψϭ͕ϬϬϬ

DĂdžŝŵƵŵ ƉŽƐƐŝďůĞ ĂĐĐƵŵƵůĂƚŝŽŶ ĨŽƌ ĞŶƚĂů ZĞǁĂƌĚƐ

KƌƚŚŽĚŽŶƚŝĂ tĂŝƚŝŶŐ WĞƌŝŽĚ Ͳ ŶĞǁ ĞŶƌŽůůĞĞƐ ŽŶůLJ dŚĞ ŐƌŽƵƉ ŽĨ ŝŶŝƚŝĂů ĞŵƉůŽLJĞĞƐ ǁŚŽ ĞŶƌŽůů ŝŶ ƚŚŝƐ ƉůĂŶ ŚĂǀĞ ŶŽ ǁĂŝƚŝŶŐ ƉĞƌŝŽĚ ĨŽƌ ŽƌƚŚŽĚŽŶƚŝĂ ďĞŶĞĨŝƚƐ͘ ŶLJŽŶĞ ŚŝƌĞĚ ĂĨƚĞƌ ƚŚĞ ŝŶŝƚŝĂů ƉůĂŶ ĞŶƌŽůůŵĞŶƚ ǁŝůů ŚĂǀĞ Ă ϭϮͲŵŽŶƚŚ ǁĂŝƚŝŶŐ ƉĞƌŝŽĚ͕ ĂĨƚĞƌ ƚŚĞLJ ĞŶƌŽůů ŝŶ ƚŚŝƐ ĚĞŶƚĂů ƉůĂŶ͕ ďĞĨŽƌĞ ƚŚĞLJ ĂƌĞ ĞůŝŐŝďůĞ ƚŽ ƌĞĐĞŝǀĞ ŽƌƚŚŽĚŽŶƚŝĂ ďĞŶĞĨŝƚƐ͘

ĞŶƚĂů EĞƚǁŽƌŬ /ŶĨŽƌŵĂƚŝŽŶ dŽ ĨŝŶĚ Ă ƉƌŽǀŝĚĞƌ͕ ǀŝƐŝƚ ĂŵĞƌŝƚĂƐ͘ĐŽŵ ĂŶĚ ƐĞůĞĐƚ &/E WZKs/ Z͕ ƚŚĞŶ Ed >͘ ŶƚĞƌ LJŽƵƌ ĐƌŝƚĞƌŝĂ ƚŽ ƐĞĂƌĐŚ ďLJ ůŽĐĂƚŝŽŶ Žƌ ĨŽƌ Ă ƐƉĞĐŝĨŝĐ ĚĞŶƚŝƐƚ Žƌ ƉƌĂĐƚŝĐĞ͘ ĂůŝĨŽƌŶŝĂ ZĞƐŝĚĞŶƚƐ͗ tŚĞŶ ƉƌŽŵƉƚĞĚ ƚŽ ƐĞůĞĐƚ LJŽƵƌ ŶĞƚǁŽƌŬ͕ ĐŚŽŽƐĞ ƚŚĞ ŵĞƌŝƚĂƐ EĞƚǁŽƌŬ ĨŽƵŶĚ ŽŶ LJŽƵƌ / ĂƌĚ Žƌ ĐŽŶƚĂĐƚ ƵƐƚŽŵĞƌ ŽŶŶĞĐƚŝŽŶƐ Ăƚ ϴϬϬͲϰϴϳͲϱϱϱϯ͘

ĞŶƚĂů EĞƚǁŽƌŬ /Ŷ dĞdžĂƐ͕ ŽƵƌ ŶĞƚǁŽƌŬ ĂŶĚ ƉůĂŶƐ ĂƌĞ ƌĞĨĞƌƌĞĚ ƚŽ ĂƐ ƚŚĞ ŵĞƌŝƚĂƐ ĞŶƚĂů EĞƚǁŽƌŬ͘

WƌĞƚƌĞĂƚŵĞŶƚ tŚŝůĞ ǁĞ ĚŽŶΖƚ ƌĞƋƵŝƌĞ Ă ƉƌĞƚƌĞĂƚŵĞŶƚ ĂƵƚŚŽƌŝnjĂƚŝŽŶ ĨŽƌŵ ĨŽƌ ĂŶLJ ƉƌŽĐĞĚƵƌĞ͕ ǁĞ ƌĞĐŽŵŵĞŶĚ ƚŚĞŵ ĨŽƌ ĂŶLJ ĚĞŶƚĂů ǁŽƌŬ LJŽƵ ĐŽŶƐŝĚĞƌ ĞdžƉĞŶƐŝǀĞ͘ Ɛ Ă ƐŵĂƌƚ ĐŽŶƐƵŵĞƌ͕ ŝƚΖƐ ďĞƐƚ ĨŽƌ LJŽƵ ƚŽ ŬŶŽǁ LJŽƵƌ ƐŚĂƌĞ ŽĨ ƚŚĞ ĐŽƐƚ ƵƉ ĨƌŽŶƚ͘ ^ŝŵƉůLJ ĂƐŬ LJŽƵƌ ĚĞŶƚŝƐƚ ƚŽ ƐƵďŵŝƚ ƚŚĞ ŝŶĨŽƌŵĂƚŝŽŶ ĨŽƌ Ă ƉƌĞƚƌĞĂƚŵĞŶƚ ĞƐƚŝŵĂƚĞ ƚŽ ŽƵƌ ĐƵƐƚŽŵĞƌ ƌĞůĂƚŝŽŶƐ ĚĞƉĂƌƚŵĞŶƚ͘ tĞΖůů ŝŶĨŽƌŵ ďŽƚŚ LJŽƵ ĂŶĚ LJŽƵƌ ĚĞŶƚŝƐƚ ŽĨ ƚŚĞ ĞdžĂĐƚ ĂŵŽƵŶƚ LJŽƵƌ ŝŶƐƵƌĂŶĐĞ ǁŝůů ĐŽǀĞƌ ĂŶĚ ƚŚĞ ĂŵŽƵŶƚ ƚŚĂƚ LJŽƵ ǁŝůů ďĞ ƌĞƐƉŽŶƐŝďůĞ ĨŽƌ͘ dŚĂƚ ǁĂLJ͕ ƚŚĞƌĞ ǁŽŶΖƚ ďĞ ĂŶLJ ƐƵƌƉƌŝƐĞƐ ŽŶĐĞ ƚŚĞ ǁŽƌŬ ŚĂƐ ďĞĞŶ ĐŽŵƉůĞƚĞĚ͘

KƉĞŶ ŶƌŽůůŵĞŶƚ /Ĩ Ă ŵĞŵďĞƌ ĚŽĞƐ ŶŽƚ ĞůĞĐƚ ƚŽ ƉĂƌƚŝĐŝƉĂƚĞ ǁŚĞŶ ŝŶŝƚŝĂůůLJ ĞůŝŐŝďůĞ͕ ƚŚĞ ŵĞŵďĞƌ ŵĂLJ ĞůĞĐƚ ƚŽ ƉĂƌƚŝĐŝƉĂƚĞ Ăƚ ƚŚĞ ƉŽůŝĐLJŚŽůĚĞƌΖƐ ŶĞdžƚ ĞŶƌŽůůŵĞŶƚ ƉĞƌŝŽĚ͘ dŚŝƐ ĞŶƌŽůůŵĞŶƚ ƉĞƌŝŽĚ ǁŝůů ďĞ ŚĞůĚ ĞĂĐŚ LJĞĂƌ ĂŶĚ ƚŚŽƐĞ ǁŚŽ ĞůĞĐƚ ƚŽ ƉĂƌƚŝĐŝƉĂƚĞ ŝŶ ƚŚŝƐ ƉŽůŝĐLJ Ăƚ ƚŚĂƚ ƚŝŵĞ ǁŝůů ŚĂǀĞ ƚŚĞŝƌ ŝŶƐƵƌĂŶĐĞ ďĞĐŽŵĞ ĞĨĨĞĐƚŝǀĞ ŽŶ ^ĞƉƚĞŵďĞƌ ϭ͘

6

D Z > & >>^ /E W E Ed ^ ,KK> /^dZ/ d ĞŶƚĂů ,ŝŐŚůŝŐŚƚ ^ŚĞĞƚ >ĂƚĞ ŶƚƌĂŶƚ WƌŽǀŝƐŝŽŶ tĞ ƐƚƌŽŶŐůLJ ĞŶĐŽƵƌĂŐĞ LJŽƵ ƚŽ ƐŝŐŶ ƵƉ ĨŽƌ ĐŽǀĞƌĂŐĞ ǁŚĞŶ LJŽƵ ĂƌĞ ŝŶŝƚŝĂůůLJ ĞůŝŐŝďůĞ͘ /Ĩ LJŽƵ ĐŚŽŽƐĞ ŶŽƚ ƚŽ ƐŝŐŶ ƵƉ ĚƵƌŝŶŐ ƚŚŝƐ ŝŶŝƚŝĂů ĞŶƌŽůůŵĞŶƚ ƉĞƌŝŽĚ͕ LJŽƵ ǁŝůů ďĞĐŽŵĞ Ă ůĂƚĞ ĞŶƚƌĂŶƚ͘ >ĂƚĞ ĞŶƚƌĂŶƚƐ ǁŝůů ďĞ ĞůŝŐŝďůĞ ĨŽƌ ŽŶůLJ ĞdžĂŵƐ͕ ĐůĞĂŶŝŶŐƐ͕ ĂŶĚ ĨůƵŽƌŝĚĞ ĂƉƉůŝĐĂƚŝŽŶƐ ĨŽƌ ƚŚĞ ĨŝƌƐƚ ϭϮ ŵŽŶƚŚƐ ƚŚĞLJ ĂƌĞ ĐŽǀĞƌĞĚ͘

^ĞĐƚŝŽŶ ϭϮϱ dŚŝƐ ƉůĂŶ ŝƐ ƉƌŽǀŝĚĞĚ ĂƐ ƉĂƌƚ ŽĨ ƚŚĞ WŽůŝĐLJŚŽůĚĞƌΖƐ ^ĞĐƚŝŽŶ ϭϮϱ WůĂŶ͘ ĂĐŚ ĞŵƉůŽLJĞĞ ŚĂƐ ƚŚĞ ŽƉƚŝŽŶ ƵŶĚĞƌ ƚŚĞ ^ĞĐƚŝŽŶ ϭϮϱ WůĂŶ ŽĨ ƉĂƌƚŝĐŝƉĂƚŝŶŐ Žƌ ŶŽƚ ƉĂƌƚŝĐŝƉĂƚŝŶŐ ŝŶ ƚŚŝƐ ƉůĂŶ͘ /Ĩ ĂŶ ĞŵƉůŽLJĞĞ ĚŽĞƐ ŶŽƚ ĞůĞĐƚ ƚŽ ƉĂƌƚŝĐŝƉĂƚĞ ǁŚĞŶ ŝŶŝƚŝĂůůLJ ĞůŝŐŝďůĞ͕ ŚĞͬƐŚĞ ŵĂLJ ĞůĞĐƚ ƚŽ ƉĂƌƚŝĐŝƉĂƚĞ Ăƚ ƚŚĞ WŽůŝĐLJŚŽůĚĞƌΖƐ ŶĞdžƚ ŶŶƵĂů ůĞĐƚŝŽŶ WĞƌŝŽĚ͘

ĞŶƚĂů ŽƐƚ ƐƚŝŵĂƚŽƌ ǀĞƌ ǁŽŶĚĞƌ ǁŚĂƚ Ă ĚĞŶƚĂů ƉƌŽĐĞĚƵƌĞ ƵƐƵĂůůLJ ĐŽƐƚƐ͍ dŚĞ ĂŶƐǁĞƌ ĐĂŶ ďĞ ĨŽƵŶĚ ƵƐŝŶŐ ƚŚĞ ŵĞƌŝƚĂƐ ŐƌŽƵƉ ĚŝǀŝƐŝŽŶ͛Ɛ ĞŶƚĂů ŽƐƚ ƐƚŝŵĂƚŽƌ ƚŽŽů ůŽĐĂƚĞĚ ŝŶ ŽƵƌ ^ĞĐƵƌĞ DĞŵďĞƌ ĐĐŽƵŶƚ ƉŽƌƚĂů͘ DĞŵďĞƌƐ ĐĂŶ ƐĞĂƌĐŚ ďLJ /W ŽĚĞ ĨŽƌ Ă ƐƉĞĐŝĨŝĐ ĚĞŶƚĂů ƉƌŽĐĞĚƵƌĞ ĂŶĚ ƐĞĞ ĨĞĞ ƌĂŶŐĞ ĞƐƚŝŵĂƚĞƐ ĨŽƌ ŽƵƚͲŽĨͲŶĞƚǁŽƌŬ ŐĞŶĞƌĂů ĚĞŶƚŝƐƚƐ ŝŶ ƚŚĂƚ ĂƌĞĂ͘ KĨ ĐŽƵƌƐĞ͕ ǁĞ ĂůǁĂLJƐ ƐƵŐŐĞƐƚ ƚŚĂƚ ŵĞŵďĞƌƐ ƉĂƌƚŶĞƌ ǁŝƚŚ ƚŚĞŝƌ ĚĞŶƚŝƐƚƐ͕ ƐŽ ƚŚĞLJ ŬŶŽǁ ǁŚĂƚ͛Ɛ ŝŶǀŽůǀĞĚ ŝŶ ĂŶLJ ƌĞĐŽŵŵĞŶĚĞĚ ƚƌĞĂƚŵĞŶƚ ƉůĂŶ͘ dŚĞ ĞƐƚŝŵĂƚŽƌ ƚŽŽů ŝƐ ƉŽǁĞƌĞĚ ďLJ 'ŽϮ ĞŶƚĂů ĂŶĚ ƵƐĞƐ & /Z ,ĞĂůƚŚ ĚĂƚĂ ƚŚĂƚ ŝƐ ƵƉĚĂƚĞĚ ĂŶŶƵĂůůLJ͘ WůĞĂƐĞ ŶŽƚĞ͕ ĐŽƐƚ ĞƐƚŝŵĂƚĞƐ ĚŽ ŶŽƚ ƌĞĨůĞĐƚ ĚŝƐĐŽƵŶƚĞĚ ƌĂƚĞƐ ĂǀĂŝůĂďůĞ ƚŚƌŽƵŐŚ ƉƌŽǀŝĚĞƌ ŶĞƚǁŽƌŬƐ͕ ĂŶĚ ƚŚĞ ĞƐƚŝŵĂƚŽƌ ĚŽĞƐ ŶŽƚ ŝŶĐůƵĚĞ ŽƌƚŚŽĚŽŶƚŝĐ ĞƐƚŝŵĂƚĞƐ Ăƚ ƚŚŝƐ ƚŝŵĞ͘ /Ŷ ĂĚĚŝƚŝŽŶ͕ ǁŚĞŶ ŵĞŵďĞƌƐ ĂƌĞ ŝŶ ƚŚĞŝƌ ^ĞĐƵƌĞ DĞŵďĞƌ ĐĐŽƵŶƚ͕ ƚŚĞLJ ĐĂŶ͗ z 'Ž ƉĂƉĞƌůĞƐƐ ǁŝƚŚ ĞůĞĐƚƌŽŶŝĐ džƉůĂŶĂƚŝŽŶ ŽĨ ĞŶĞĨŝƚƐ ƐƚĂƚĞŵĞŶƚƐ ĂŶĚ ƌĞĚƵĐĞ ƚŚĞ ĐůƵƚƚĞƌ ŝŶ ƚŚĞŝƌ ŵĂŝůďŽdžĞƐ z sŝĞǁ ƚŚĞŝƌ ĐĞƌƚŝĨŝĐĂƚĞ ŽĨ ŝŶƐƵƌĂŶĐĞ ĂŶĚ ƐƉĞĐŝĨŝĐ ƉůĂŶ ďĞŶĞĨŝƚƐ ŝŶĨŽƌŵĂƚŝŽŶ z ĐĐĞƐƐ ǀĂůƵĞͲĂĚĚĞĚ ĞdžƚƌĂƐ ůŝŬĞ ƚŚĞ Zdž ĚŝƐĐŽƵŶƚ / ĐĂƌĚ

tŽƌůĚǁŝĚĞ ^ƵƉƉŽƌƚ tŚĞŶ ŽƵƌ ŵĞŵďĞƌƐ ƚƌĂǀĞů ĂďƌŽĂĚ͕ ƚŚĞLJ͛ůů ŚĂǀĞ ƉĞĂĐĞ ŽĨ ŵŝŶĚ ŬŶŽǁŝŶŐ ƚŚĂƚ ƐŚŽƵůĚ Ă ĚĞŶƚĂů Žƌ ǀŝƐŝŽŶ ŶĞĞĚ ĂƌŝƐĞ͕ ŚĞůƉ ŝƐ ũƵƐƚ Ă ƉŚŽŶĞ ĐĂůů ĂǁĂLJ͘ dŚƌŽƵŐŚ y ƐƐŝƐƚĂŶĐĞ͕ ŵĞƌŝƚĂƐ ŽĨĨĞƌƐ ŝƚƐ ĚĞŶƚĂů ĂŶĚ ǀŝƐŝŽŶ ƉůĂŶ ŵĞŵďĞƌƐ ϮϰͲŚŽƵƌ ĂĐĐĞƐƐ ƚŽ ĚĞŶƚĂů Žƌ ǀŝƐŝŽŶ ƉƌŽǀŝĚĞƌ ƌĞĨĞƌƌĂůƐ ǁŚĞŶ ƚƌĂǀĞůŝŶŐ ŽƵƚƐŝĚĞ ƚŚĞ h͘^͘ /ŵŵĞĚŝĂƚĞůLJ ĂĨƚĞƌ Ă ĐĂůů ŝƐ ŵĂĚĞ ƚŽ y ͕ ĂŶ ĂƐƐŝƐƚĂŶĐĞ ĐŽŽƌĚŝŶĂƚŽƌ ĂƐƐĞƐƐĞƐ ƚŚĞ ƐŝƚƵĂƚŝŽŶ͕ ƉƌŽǀŝĚĞƐ ĐƌĞĚŝďůĞ ƉƌŽǀŝĚĞƌ ƌĞĨĞƌƌĂůƐ ĂŶĚ ĐĂŶ ĞǀĞŶ ĂƐƐŝƐƚ ǁŝƚŚ ŵĂŬŝŶŐ ƚŚĞ ĂƉƉŽŝŶƚŵĞŶƚ͘ tŝƚŚŝŶ ϰϴ ŚŽƵƌƐ ĨŽůůŽǁŝŶŐ ƚŚĞ ĂƉƉŽŝŶƚŵĞŶƚ͕ ƚŚĞ ĐŽŽƌĚŝŶĂƚŽƌ ĐĂůůƐ ƚŚĞ ŵĞŵďĞƌ ƚŽ ĨŝŶĚ ŽƵƚ ŝĨ ĂĚĚŝƚŝŽŶĂů ĂƐƐŝƐƚĂŶĐĞ ŝƐ ŶĞĞĚĞĚ͘ /Ĩ Ăůů ŝƐ ǁĞůů͕ ƚŚĞ ĐĂƐĞ ŝƐ ĐůŽƐĞĚ͘ dŚĞŶ͕ ƚŚĞ ƉůĂŶ ŵĞŵďĞƌ ŵĂLJ ƐƵďŵŝƚ Ă ĐůĂŝŵ ƚŽ ŵĞƌŝƚĂƐ ĨŽƌ ƌĞŝŵďƵƌƐĞŵĞŶƚ ĐŽŶƐŝĚĞƌĂƚŝŽŶ ďĂƐĞĚ ŽŶ ĂƉƉůŝĐĂďůĞ ƉůĂŶ ďĞŶĞĨŝƚƐ͘ ŽŶƚĂĐƚ y ƐƐŝƐƚĂŶĐĞ h^ ƚŽůů ĨƌĞĞ ďLJ ĐĂůůŝŶŐ ϴϲϲͲϲϲϮͲϮϳϯϭ͕ Žƌ ĐĂůů ĐŽůůĞĐƚ ĨƌŽŵ ĂŶLJǁŚĞƌĞ ŝŶ ƚŚĞ ǁŽƌůĚ ďLJ ĚŝĂůŝŶŐ ϭͲϯϭϮͲ ϵϯϱͲϯϳϮϳ͘

>ĂŶŐƵĂŐĞ ^ĞƌǀŝĐĞƐ tĞ ƌĞĐŽŐŶŝnjĞ ƚŚĞ ŝŵƉŽƌƚĂŶĐĞ ŽĨ ĐŽŵŵƵŶŝĐĂƚŝŶŐ ǁŝƚŚ ŽƵƌ ŐƌŽǁŝŶŐ ŶƵŵďĞƌ ŽĨ ŵƵůƚŝůŝŶŐƵĂů ĐƵƐƚŽŵĞƌƐ͘ dŚĂƚ ŝƐ ǁŚLJ ǁĞ ŽĨĨĞƌ Ă ůĂŶŐƵĂŐĞ ĂƐƐŝƐƚĂŶĐĞ ƉƌŽŐƌĂŵ ƚŚĂƚ ŐŝǀĞƐ LJŽƵ ĂĐĐĞƐƐ ƚŽ͗ ^ƉĂŶŝƐŚͲƐƉĞĂŬŝŶŐ ĐůĂŝŵƐ ĐŽŶƚĂĐƚ ĐĞŶƚĞƌ ƌĞƉƌĞƐĞŶƚĂƚŝǀĞƐ͕ ƚĞůĞƉŚŽŶĞ ŝŶƚĞƌƉƌĞƚĂƚŝŽŶ ƐĞƌǀŝĐĞƐ ŝŶ Ă ǁŝĚĞ ƌĂŶŐĞ ŽĨ ůĂŶŐƵĂŐĞƐ͕ ŽŶůŝŶĞ ĚĞŶƚĂů ŶĞƚǁŽƌŬ ƉƌŽǀŝĚĞƌ ƐĞĂƌĐŚ ŝŶ ^ƉĂŶŝƐŚ ĂŶĚ Ă ǀĂƌŝĞƚLJ ŽĨ ^ƉĂŶŝƐŚ ĚŽĐƵŵĞŶƚƐ ƐƵĐŚ ĂƐ ĞŶƌŽůůŵĞŶƚ ĨŽƌŵƐ͕ ĐůĂŝŵ ĨŽƌŵƐ ĂŶĚ ĐĞƌƚŝĨŝĐĂƚĞƐ ŽĨ ŝŶƐƵƌĂŶĐĞ͘ dŚŝƐ ĚŽĐƵŵĞŶƚ ŝƐ Ă ŚŝŐŚůŝŐŚƚ ŽĨ ƉůĂŶ ďĞŶĞĨŝƚƐ ƉƌŽǀŝĚĞĚ ďLJ ŵĞƌŝƚĂƐ >ŝĨĞ /ŶƐƵƌĂŶĐĞ ŽƌƉ͘ ĂƐ ƐĞůĞĐƚĞĚ ďLJ LJŽƵƌ ĞŵƉůŽLJĞƌ͘ /ƚ ŝƐ ŶŽƚ Ă ĐĞƌƚŝĨŝĐĂƚĞ ŽĨ ŝŶƐƵƌĂŶĐĞ ĂŶĚ ĚŽĞƐ ŶŽƚ ŝŶĐůƵĚĞ ĞdžĐůƵƐŝŽŶƐ ĂŶĚ ůŝŵŝƚĂƚŝŽŶƐ͘ &Žƌ ĞdžĐůƵƐŝŽŶƐ ĂŶĚ ůŝŵŝƚĂƚŝŽŶƐ͕ Žƌ Ă ĐŽŵƉůĞƚĞ ůŝƐƚ ŽĨ ĐŽǀĞƌĞĚ ƉƌŽĐĞĚƵƌĞƐ͕ ĐŽŶƚĂĐƚ LJŽƵƌ ďĞŶĞĨŝƚƐ ĂĚŵŝŶŝƐƚƌĂƚŽƌ͘

7

MARBLE FALLS INDEPENDENT SCHOOL DISTRICT Eye Care Highlight Sheet Low Plan: Focus® Plan Summary

Effective Date: 9/1/2022 Out of Network

VSP Choice Network + Affiliates Deductibles

Annual Eye Exam Lenses (per pair) Single Vision Bifocal Trifocal Lenticular Progressive Contacts Fit & Follow Up Exams

$15 Exam $15 Eye Glass Lenses or Frames* Covered in full

$15 Exam $15 Eye Glass Lenses or Frames Up to $45

Covered in full Covered in full Covered in full Covered in full See lens options

Up to $30 Up to $50 Up to $65 Up to $100 NA

Member cost up to $60

No benefit

Up to $150 Covered in full $150**

Up to $120 Up to $210 Up to $70

Elective Medically Necessary Frame Allowance Frequencies (months) Exam/Lens/Frame

12/12/12 Based on plan year *Deductible applies to a complete pair of glasses or to frames, whichever is selected. **The Costco and Walmart allowance will be the wholesale equivalent.

12/12/12 Based on plan year

Lens Options (member cost)*

Progressive Lenses Std. Polycarbonate Solid Plastic Dye

VSP Choice Network + Affiliates (Other than Costco) Covered in Full Covered in full for dependent children $33 adults $15 (except Pink I & II) $17 $31-$82

Out of Network Up to Lined Bifocal allowance.

No benefit No benefit

Plastic Gradient Dye Photochromatic Lenses (Glass & Plastic) Scratch Resistant Coating $17-$33 Anti-Reflective Coating $43-$85 Ultraviolet Coating $16 *Lens Option member costs vary by prescription, option chosen and retail locations.

Monthly Rates Employee Only (EE) EE + Spouse EE + Children EE + Spouse & Children Additional Focus® Choice Network Features Contact Lenses Elective

No benefit No benefit No benefit No benefit No benefit

$8.64 $16.40 $17.28 $25.40

Allowance can be applied to disposables, but the dollar amount must be used all at once (provider will order 3 or 6 month supply). Applies when contacts are chosen in lieu of glasses. For plans without a separate contact fitting & evaluation (which includes follow up contact lens exams), the cost of the fitting and evaluation is deducted from the allowance.

Additional Glasses

20% off additional complete pairs of prescription glasses and/or prescription sunglasses.*

Frame Discount

VSP offers 20% off any amount above the retail allowance.*

Laser VisionCare

VSP offers an average discount of 15% off or 5% off a promotional offer for LASIK Custom LASIK and PRK. The maximum out-of-pocket per eye for members is $1,800 for LASIK and $2,300 for custom LASIK using Wavefront technology, and $1,500 for PRK. In order to receive the benefit, a VSP provider must coordinate the procedure.

Low Vision

With prior authorization, 75% of approved amount (up to $1,000 is covered every two years).

Based on applicable laws, reduced costs may vary by doctor location.

MARBLE FALLS INDEPENDENT SCHOOL DISTRICT Eye Care Highlight Sheet High Plan : Focus® Plan Summary

Effective Date: 9/1/2022 Out of Network

VSP Choice Network + Affiliates Deductibles

Annual Eye Exam Lenses (per pair) Single Vision Bifocal Trifocal Lenticular Progressive Contacts Fit & Follow Up Exams

$0 Exam $0 Eye Glass Lenses or Frames* Covered in full

$0 Exam $0 Eye Glass Lenses or Frames Up to $45

Covered in full Covered in full Covered in full Covered in full See lens options

Up to $30 Up to $50 Up to $65 Up to $100 NA

Member cost up to $60

No benefit

Up to $250 Covered in full $175**

Up to $145 Up to $210 Up to $70

Elective Medically Necessary Frame Allowance Frequencies (months) Exam/Lens/Frame

12/12/12 Based on plan year *Deductible applies to a complete pair of glasses or to frames, whichever is selected. **The Costco and Walmart allowance will be the wholesale equivalent.

12/12/12 Based on plan year

Lens Options (member cost)*

Progressive Lenses Std. Polycarbonate Solid Plastic Dye

VSP Choice Network + Affiliates (Other than Costco) Covered in Full Covered in Full $15 (except Pink I & II) $17 $31-$82

Out of Network Up to Lined Bifocal allowance.

No benefit No benefit

Plastic Gradient Dye Photochromatic Lenses (Glass & Plastic) Scratch Resistant Coating Covered in Full Anti-Reflective Coating $43-$85 Ultraviolet Coating Covered in Full *Lens Option member costs vary by prescription, option chosen and retail locations.

Monthly Rates Employee Only (EE) EE + Spouse EE + Children EE + Spouse & Children Additional Focus® Choice Network Features Contact Lenses Elective

No benefit No benefit No benefit No benefit No benefit

$12.96 $24.64 $25.92 $38.12

Allowance can be applied to disposables, but the dollar amount must be used all at once (provider will order 3 or 6 month supply). Applies when contacts are chosen in lieu of glasses. For plans without a separate contact fitting & evaluation (which includes follow up contact lens exams), the cost of the fitting and evaluation is deducted from the allowance.

Additional Glasses

20% off additional complete pairs of prescription glasses and/or prescription sunglasses.*

Frame Discount

VSP offers 20% off any amount above the retail allowance.*

Laser VisionCare

VSP offers an average discount of 15% off or 5% off a promotional offer for LASIK Custom LASIK and PRK. The maximum out-of-pocket per eye for members is $1,800 for LASIK and $2,300 for custom LASIK using Wavefront technology, and $1,500 for PRK. In order to receive the benefit, a VSP provider must coordinate the procedure.

Low Vision

With prior authorization, 75% of approved amount (up to $1,000 is covered every two years).

Based on applicable laws, reduced costs may vary by doctor location.

WůĂŶ ƉƌŽǀŝĚĞĚ ďLJ D&/^ Ăƚ EK K^d ƚŽ Ăůů ďĞŶĞĨŝƚ ĞůŝŐŝďůĞ ĞŵƉůŽLJĞĞƐ͘

A helping hand when you need it.

Rely on the support, guidance and resources of your Employee Assistance Program.

Standard Insurance Company

10

There are times in life when you might need a little help coping or figuring out what to do. Take advantage of the Employee Assistance Program1 (EAP) which includes WorkLife Services and is available to you and your family in connection with your group insurance from Standard Insurance Company (The Standard). It’s confidential — information will be released only with your permission or as required by law.

Connection to Resources, Support and Guidance You, your dependents (including children to age 26)2 and all household members can contact master’s-degreed clinicians 24/7 by phone, online, live chat, email and text. There’s even a mobile EAP app. Receive referrals to support groups, a network counselor, community resources or your health plan. If necessary, you’ll be connected to emergency services.

With EAP, assistance is immediate, personal and available when you need it.

Your program includes up to three face-to-face assessment and counseling sessions per issue. EAP services can help with: Depression, grief, loss and emotional well-being Family, marital and other relationship issues Life improvement and goal-setting Addictions such as alcohol and drug abuse

Contact EAP

Stress or anxiety with work or family

888.293.6948 TDD: 800.327.1833 24 hours a day, seven days a week

Financial and legal concerns

workhealthlife.com/Standard3

Identity theft and fraud resolution Online will preparation

WorkLife Services NOTE: It’s a violation of your company’s contract to share this information with individuals who are not eligible for this service.

WorkLife Services are included with the Employee Assistance Program. Get help with referrals for important needs like education, adoption, travel, daily living and care for your pet, child or elderly loved one.

Online Resources Visit workhealthlife.com/Standard3 to explore a wealth of information online, including videos, guides, articles, webinars, resources, self-assessments and calculators.

1 The EAP service is provided through an arrangement with Morneau Shepell, which is not affiliated with The Standard. Morneau Shepell is solely responsible for providing and administering the included service. EAP is not an insurance product and is provided to groups of 10–2,499 lives. This service is only available while insured under The Standard’s group policy.

2 Individual EAP counseling sessions area available to eligible participants 16 years and older; family sessions are available for eligible members 12 years and older, and their parent or guardian. Children under the age of 12 will not receive individual counseling sessions.

The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company.

11

Standard Insurance Company 1100 SW Sixth Avenue Portland, OR 97204

standard.com Employee Assistance Program-3 SI 17201 (7/17) EE

'LVDELOLW\ ,QVXUDQFH 7KH 6WDQGDUG Voluntary Long Term Disability Insurance Standard Insurance Company has developed this document to provide you with information about the optional insurance coverage you may select through the Marble Falls Independent School District. Written in non-technical language, this is not intended as a complete description of the coverage. If you have additional questions, please check with your human resources representative.

Employer Plan Effective Date A minimum number of eligible employees must apply and qualify for the proposed plan before Voluntary LTD coverage can become effective. This level of participation has been agreed upon by the Marble Falls Independent School District and The Standard.

Eligibility To become insured, you must be: x A regular employee of the Marble Falls Independent School District, excluding temporary or seasonal employees, full-time members of the armed forces, leased employees or independent contractors x Actively at work at least 20 hours each week x A citizen or resident of the United States or Canada

Employee Coverage Effective Date Please contact your human resources representative for more information regarding the following requirements that must be satisfied for your insurance to become effective. You must satisfy: x Eligibility requirements x An eligibility waiting period (check with your human resources representative) x An evidence of insurability requirement, if applicable x An active work requirement. This means that if you are not actively at work on the day before the scheduled effective date of insurance, your insurance will not become effective until the day after you complete one full day of active work as an eligible employee.

Benefit Amount You may select a monthly benefit amount in $100 increments from $200 to $7,500; based on the tables and guidelines presented in the Rates section of these Coverage Highlights. The monthly benefit amount must not exceed 70 percent of your monthly earnings.

Benefits are payable for non-occupational disabilities only. Occupational disabilities are not covered.

Plan Maximum Monthly Benefit: 70 percent of predisability earnings Plan Minimum Monthly Benefit: 25 percent of your LTD benefit before reduction by deductible income

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Benefit Waiting Period and Maximum Benefit Period The benefit waiting period is the period of time that you must be continuously disabled before benefits become payable. Benefits are not payable during the benefit waiting period. The maximum benefit period is the period for which benefits are payable. The benefit waiting period and maximum benefit period associated with your plan options are shown below: Option 1 2 3 4 5 6

Accidental Injury 0 days 14 days 30 days 60 days 90 days 180 days

Other Disability 3 days 14 days 30 days 60 days 90 days 180 days

Maximum Benefit Period To Age 65 for Accident and 3 Years for Sickness

Options 1-6: Maximum Benefit Period of 3 years for Sickness If you become disabled before age 64, LTD benefits may continue during disability for 3 years. If you become disabled at age 64 or older, the benefit duration is determined by your age when disability begins: Age 64 65 66 67 68 69+

Maximum Benefit Period 2 years 6 months 2 years 1 year 9 months 1 year 6 months 1 year 3 months 1 year

Options 1-6: Maximum Benefit Period To Age 65 for Accident If you become disabled before age 62, LTD benefits may continue during disability until you reach age 65. If you become disabled at age 62 or older, the benefit duration is determined by your age when disability begins: Age 62 63 64 65 66 67 68 69+

Maximum Benefit Period 3 years 6 months 3 years 2 years 6 months 2 years 1 year 9 months 1 year 6 months 1 year 3 months 1 year

First Day Hospital Benefit With this benefit, if an insured employee is hospital confined for at least four hours, is admitted as an inpatient and is charged room and board during the benefit waiting period, the benefit waiting period will be satisfied. Benefits become payable on the date of hospitalization; the maximum benefit period also begins on that date. This feature is included only on LTD plans with benefit waiting periods of 30 days or less.

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Preexisting Condition Exclusion A detailed description of the preexisting condition exclusion is included in the Group Policy. If you have questions, please check with your human resources representative.

Preexisting Condition Period: The 90-day period just before your insurance becomes effective Exclusion Period: 12 months

Preexisting Condition Waiver The Standard may pay benefits for up to 90 days even if you have a preexisting condition. After 90 days, The Standard will continue benefits only if the preexisting condition exclusion does not apply.

Own Occupation Period For the plan’s definition of disability, as described in your brochure, the own occupation period is the first 24 months for which LTD benefits are paid.

Any Occupation Period The any occupation period begins at the end of the own occupation period and continues until the end of the maximum benefit period.

Other LTD Features x Employee Assistance Program (EAP) – This program offers support, guidance and resources that can help an employee resolve personal issues and meet life’s challenges. x Family Care Expense Adjustment – Disabled employees faced with the added expense of family care when returning to work may receive combined income from LTD benefits and work earnings in excess of 100 percent of indexed predisability earnings during the first 12 months immediately after a disabled employee’s return to work. x Special Dismemberment Provision – If an employee suffers a lost as a result of an accident, the employee will be considered disabled for the applicable Minimum Benefit Period and can extend beyond the end of the Maximum Benefit Period x Reasonable Accommodation Expense Benefit – Subject to The Standard’s prior approval, this benefit allows us to pay up to $25,000 of an employer’s expenses toward work-site modifications that result in a disabled employee’s return to work. x Survivor Benefit – A Survivor Benefit may also be payable. This benefit can help to address a family’s financial need in the event of the employee’s death. x Return to Work (RTW) Incentive – The Standard’s RTW Incentive is one of the most comprehensive in the employee benefits history. For the first 12 months after returning to work, the employee’s LTD benefit will not be reduced by work earnings until work earnings plus the LTD benefit exceed 100 percent of predisability earnings. After that period, only 50 percent of work earnings are deducted. x Rehabilitation Plan Provision – Subject to The Standard’s prior approval, rehabilitation incentives may include training and education expense, family (child and elder) care expenses, and job-related and job search expenses.

When Benefits End LTD benefits end automatically on the earliest of: x The date you are no longer disabled x The date your maximum benefit period ends x The date you die x The date benefits become payable under any other LTD plan under which you become insured through employment during a period of temporary recovery x The date you fail to provide proof of continued disability and entitlement to benefits

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Rates Employees can select a monthly LTD benefit ranging from a minimum of $200 to a maximum amount based on how much they earn. Referencing the appropriate attached charts, follow these steps to find the monthly cost for your desired level of monthly LTD benefit and benefit waiting period: 1. Find the maximum LTD benefit by locating the amount of your earnings in either the Annual Earnings or Monthly Earnings column. The LTD benefit amount shown associated with these earnings is the maximum amount you can receive. If your earnings fall between two amounts, you must select the lower amount.

2. Select the desired monthly LTD benefit between the minimum of $200 and the determined maximum amount, making sure not to exceed the maximum for your earnings.

3. In the same row, select the desired benefit waiting period to see the monthly cost for that selection.

If you have questions regarding how to determine your monthly LTD benefit, the benefit waiting period, or the premium payment of your desired benefit, please contact your human resources representative.

Group Insurance Certificate If you become insured, you will receive a group insurance certificate containing a detailed description of the insurance coverage. The information presented above is controlled by the group policy and does not modify it in any way. The controlling provisions are in the group policy issued by Standard Insurance Company.

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Annual Monthly Earnings Earnings

Accident/Sickness Benefit Waiting Period Cost Per Month

Monthly Disability Benefit

0/3

14/14

30/30

60/60

90/90

180/180

3,600

300

200

7.58

4.69

3.91

2.97

2.48

1.85

5,400

450

300

11.37

7.04

5.86

4.46

3.73

2.78

7,200

600

400

15.16

9.39

7.81

5.94

4.97

3.71

9,000

750

500

18.96

11.73

9.77

7.43

6.21

4.64

10,800

900

600

22.75

14.08

11.72

8.91

7.45

5.56

12,600

1,050

700

26.54

16.43

13.68

10.40

8.69

6.49

14,400

1,200

800

30.33

18.77

15.63

11.88

9.94

7.42

16,200

1,350

900

34.12

21.12

17.58

13.37

11.18

8.34

18,000

1,500

1,000

37.91

23.47

19.54

14.85

12.42

9.27

19,800

1,650

1,100

41.70

25.82

21.49

16.34

13.66

10.20

21,600

1,800

1,200

45.49

28.16

23.44

17.82

14.90

11.12

23,400

1,950

1,300

49.28

30.51

25.40

19.31

16.15

12.05

25,200

2,100

1,400

53.07

32.86

27.35

20.79

17.39

12.98

27,000

2,250

1,500

56.87

35.20

29.31

22.28

18.63

13.91

28,800

2,400

1,600

60.66

37.55

31.26

23.76

19.87

14.83

30,600

2,550

1,700

64.45

39.90

33.21

25.25

21.11

15.76

32,400

2,700

1,800

68.24

42.24

35.17

26.73

22.36

16.69

34,200

2,850

1,900

72.03

44.59

37.12

28.22

23.60

17.61

36,000

3,000

2,000

75.82

46.94

39.07

29.70

24.84

18.54

37,800

3,150

2,100

79.61

49.28

41.03

31.19

26.08

19.47

39,600

3,300

2,200

83.40

51.63

42.98

32.67

27.32

20.39

41,400

3,450

2,300

87.19

53.98

44.94

34.16

28.57

21.32

43,200

3,600

2,400

90.98

56.32

46.89

35.64

29.81

22.25

45,000

3,750

2,500

94.78

58.67

48.84

37.13

31.05

23.18

46,800

3,900

2,600

98.57

61.02

50.80

38.61

32.29

24.10

48,600

4,050

2,700

102.36

63.36

52.75

40.10

33.53

25.03

50,400

4,200

2,800

106.15

65.71

54.70

41.58

34.78

25.96

52,200

4,350

2,900

109.94

68.06

56.66

43.07

36.02

26.88

54,000

4,500

3,000

113.73

70.41

58.61

44.55

37.26

27.81

55,800

4,650

3,100

117.52

72.75

60.57

46.04

38.50

28.74

57,600

4,800

3,200

121.31

75.10

62.52

47.52

39.74

29.66

59,400

4,950

3,300

125.10

77.45

64.47

49.01

40.99

30.59

61,200

5,100

3,400

128.89

79.79

66.43

50.49

42.23

31.52

63,000

5,250

3,500

132.69

82.14

68.38

51.98

43.47

32.45

64,800

5,400

3,600

136.48

84.49

70.33

53.46

44.71

33.37

66,600

5,550

3,700

140.27

86.83

72.29

54.95

45.95

34.30

68,400

5,700

3,800

144.06

89.18

74.24

56.43

47.20

35.23

70,200

5,850

3,900

147.85

91.53

76.20

57.92

48.44

36.15

72,000

6,000

4,000

151.64

93.87

78.15

59.40

49.68

37.08

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Annual Monthly Earnings Earnings

Accident/Sickness Benefit Waiting Period Cost Per Month

Monthly Disability Benefit

0/3

14/14

30/30

60/60

90/90

180/180

96.22

80.10

60.89

50.92

38.01

73,800

6,150

4,100

155.43

75,600

6,300

4,200

159.22

98.57

82.06

62.37

52.16

38.93

77,400

6,450

4,300

163.01

100.91

84.01

63.86

53.41

39.86

79,200

6,600

4,400

166.81

103.26

85.96

65.34

54.65

40.79

81,000

6,750

4,500

170.60

105.61

87.92

66.83

55.89

41.72

82,800

6,900

4,600

174.39

107.95

89.87

68.31

57.13

42.64

84,600

7,050

4,700

178.18

110.30

91.82

69.80

58.37

43.57

86,400

7,200

4,800

181.97

112.65

93.78

71.28

59.62

44.50

88,200

7,350

4,900

185.76

115.00

95.73

72.77

60.86

45.42

90,000

7,500

5,000

189.55

117.34

97.69

74.25

62.10

46.35

91,800

7,650

5,100

193.34

119.69

99.64

75.74

63.34

47.28

93,600

7,800

5,200

197.13

122.04

101.59

77.22

64.58

48.20

95,400

7,950

5,300

200.92

124.38

103.55

78.71

65.83

49.13

97,200

8,100

5,400

204.72

126.73

105.50

80.19

67.07

50.06

99,000

8,250

5,500

208.51

129.08

107.45

81.68

68.31

50.99

100,800

8,400

5,600

212.30

131.42

109.41

83.16

69.55

51.91

102,600

8,550

5,700

216.09

133.77

111.36

84.65

70.79

52.84

104,400

8,700

5,800

219.88

136.12

113.32

86.13

72.04

53.77

106,200

8,850

5,900

223.67

138.46

115.27

87.62

73.28

54.69

108,000

9,000

6,000

227.46

140.81

117.22

89.10

74.52

55.62

109,800

9,150

6,100

231.25

143.16

119.18

90.59

75.76

56.55

111,600

9,300

6,200

235.04

145.50

121.13

92.07

77.00

57.47

113,400

9,450

6,300

238.83

147.85

123.08

93.56

78.25

58.40

115,200

9,600

6,400

242.63

150.20

125.04

95.04

79.49

59.33

117,000

9,750

6,500

246.42

152.54

126.99

96.53

80.73

60.26

118,800

9,900

6,600

250.21

154.89

128.95

98.01

81.97

61.18

120,600

10,050

6,700

254.00

157.24

130.90

99.50

83.21

62.11

122,400

10,200

6,800

257.79

159.59

132.85

100.98

84.46

63.04

124,200

10,350

6,900

261.58

161.93

134.81

102.47

85.70

63.96

126,000

10,500

7,000

265.37

164.28

136.76

103.95

86.94

64.89

127,800

10,650

7,100

269.16

166.63

138.71

105.44

88.18

65.82

129,600

10,800

7,200

272.95

168.97

140.67

106.92

89.42

66.74

131,400

10,950

7,300

276.74

171.32

142.62

108.41

90.67

67.67

133,200

11,100

7,400

280.54

173.67

144.58

109.89

91.91

68.60

135,000

11,250

7,500

284.33

176.01

146.53

111.38

93.15

69.53

136,800

11,400

7,600

288.12

178.36

148.48

112.86

94.39

70.45

138,600

11,550

7,700

291.91

180.71

150.44

114.35

95.63

71.38

140,400

11,700

7,800

295.70

183.05

152.39

115.83

96.88

72.31

142,200

11,850

7,900

299.49

185.40

154.34

117.32

98.12

73.23

144,000

12,000

8,000

303.28

187.75

156.30

118.80

99.36

74.16

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(IGH $EATH "ENEFIT 7ITH ONE OF THE HIGHEST DEATH BENEFITS AVAILABLE AT THE WORKSITE PURELIFE PLUS GIVES YOUR LOVED ONES PEACE OF MIND KNOWING THERE WILL BE SIGNIFICANT LIFE INSURANCE IN FORCE SHOULD YOU DIE PREMATURELY

-INIMAL #ASH 6ALUE $ESIGNED TO PROVIDE HIGH DEATH BENEFIT PURELIFE PLUS DOES NOT COMPETE WITH THE CASH ACCUMULATION IN YOUR EMPLOYER SPONSORED RETIREMENT PLANS

,ONG 'UARANTEES %NJOY THE ASSURANCE OF A POLICY THAT HAS A GUARANTEED DEATH BENEFIT TO AGE AND LEVEL PREMIUM THAT GUARANTEES COVERAGE FOR A SIGNIFICANT PERIOD OF TIME AFTER THE GUARANTEED PERIOD PREMIUMS MAY GO DOWN STAY THE SAME OR GO UP

2EFUND OF 0REMIUM 5NIQUE IN THE MARKETPLACE PURELIFE PLUS OFFERS YOU A REFUND OF YEARS´ PREMIUM SHOULD YOU SURRENDER THE POLICY IF THE PREMIUM YOU PAY WHEN YOU BUY THE POLICY EVER INCREASES #ONDITIONS APPLY

!CCELERATED $EATH "ENEFIT 2IDER 3HOULD YOU BE DIAGNOSED AS TERMINALLY ILL WITH THE EXPECTATION OF DEATH WITHIN MONTHS MONTHS IN )LLINOIS YOU WILL HAVE THE OPTION TO RECEIVE IN )LLINOIS OF THE DEATH BENEFIT MINUS A IN &LORIDA ADMINISTRATIVE FEE 4HIS VALUABLE LIVING BENEFIT GIVES YOU PEACE OF MIND KNOWING THAT SHOULD YOU NEED IT YOU CAN TAKE THE LARGE MAJORITY OF YOUR DEATH BENEFIT WHILE STILL ALIVE #ONDITIONS APPLY 9OU MAY APPLY FOR THIS PERMANENT PORTABLE COVERAGE NOT ONLY FOR YOURSELF BUT ALSO FOR YOUR SPOUSE MINOR CHILDREN AND GRANDCHILDREN ,IKE MOST LIFE INSURANCE POLICIES 4EXAS ,IFE POLICIES CONTAIN CERTAIN EXCLUSIONS LIMITATIONS EXCEPTIONS REDUCTIONS OF BENE½TS WAITING PERIODS AND TERMS FOR KEEPING THEM IN FORCE 0LEASE CONTACT A 4EXAS ,IFE REPRESENTATIVE FOR COSTS AND COMPLETE DETAILS

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SUMMARY OF BENEFITS Sponsored by:

Marble Falls Independent School District

Coverage Life

$10,000

Guarantee Issue

$10,000

AD&D

Will Equal the Life Benefit

Benefit Reduction

Employee

Benefits will reduce:

50% at age 70

Additional Benefits See Understanding Your

Accelerated Death Benefit

Benefits Page:

Seat Belt, Airbag, and Common Carrier Conversion

Enrolling for Coverage Eligibility:

All employees in an eligible class.

(Please see other side)

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Understanding Your Benefits Accelerated Death Benefit

Accelerated Death Benefit provides an option to be paid a portion of your life insurance benefit when diagnosed as terminally ill (as defined in the policy). The death benefit will be reduced by the amount withdrawn. To qualify, you must be covered under this policy for the amount of time defined by the policy.

AD&D

Accidental Death and Dismemberment (AD&D) insurance provides specified benefits for a covered accidental bodily injury that directly causes death or dismemberment (e.g., the loss of a hand, foot, or eye), subject to policy limitations.

Conversion

If you terminate your employment or become ineligible for this coverage, you have the option to convert all or part of the amount of coverage in force to an individual life policy on the date of termination without Evidence of Insurability. Conversion election normally must be made within 31 days of your date of termination.

Guarantee Issue

For timely entrants enrolled within 31 days of becoming eligible, the Guarantee Issue amount is available without providing Evidence of Insurability. Evidence of Insurability will be required for any amounts above this, for late enrollees or increases in insurance, and it will be provided at your own expense.

Seat Belt, Airbag, & Common Carrier

If you die as a result of a covered auto accident while wearing a seat belt or in a vehicle equipped with an airbag, additional benefits are payable up to $10,000 or 10% of the principal sum, whichever is less. If loss occurs due to an accident while riding as a passenger in a common carrier, benefits will be double the amount that would otherwise apply as outlined in the certificate.

Term Life

A death benefit is paid to the designated beneficiary upon the death of the insured.

Coverage is provided for the time period that you are eligible and premium is paid.

There is no cash value associated with this product.

Additional Benefits LifeKeysSM

Online will & testament preparation service, identity theft resources and beneficiary assistance support for all employees and eligible dependents covered under the Group Term Life and/or AD&D policy.

TravelConnectSM

Travel assistance services for employees and eligible dependents traveling more than 100 miles from home.

For assistance or additional information Contact Lincoln Financial Group at

(800) 423-2765; reference ID: MARBLEFALL

www.LincolnFinancial.com

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9ROXQWDU\ /LIH ,QVXUDQFH ZLWK $FFLGHQWDO 'HDWK DQG 'LVPHPEHUPHQW $' ' SUMMARY OF BENEFITS Sponsored by: Life Benefit

Marble Falls Independent School District Employee

Spouse

Dependent

Employee must elect coverage for Spouse or dependents to be eligible.

Amount

Choice of $10,000 increments

Choice of $5,000 increments

Age 14 Days to 6 months: $250 6 months to age 26 (if unmarried regardless of student status): $10,000 Newborn children to age 14 days are not eligible for a benefit

Minimum Amount

$10,000

$5,000

$10,000

Maximum Amount

$500,000, limited to 5 times your annual salary

$250,000, limited to 50% of employee amount

$10,000

Guarantee Issue for Newly Eligible Employees

$100,000

$10,000

AD&D Benefit

Employee

Spouse

Amount

Benefit amount equal to the life amount elected by you.

Same as employee

Benefit Reduction

Employee

Spouse

Benefits will reduce:

50% at age 70; Benefits terminate at retirement

Benefits terminate at employee’s attainment of age 70

Eligibility

Employee

Spouse and Dependents

All employees in an eligible class.

Cannot be in a period of limited activity on the day coverage takes effect.

Additional Benefits See Definition:

Accelerated Death Benefit

See Definition:

Portability

See Definition:

Conversion

See Definition:

Seat Belt, Airbag, and Common Carrier

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Definitions Accelerated Death Benefit

Accelerated Death Benefit provides an option to withdraw a percentage of your life insurance coverage when diagnosed as terminally ill (as defined in the policy). The death benefit will be reduced by the amount withdrawn. To qualify, you have satisfied the Active Work rule and have been covered under this policy for the required amount of time as defined by the policy. Check with your tax advisor or attorney before exercising this option.

AD&D

Accidental Death and Dismemberment (AD&D) insurance provides specified benefits for a covered accidental bodily injury that directly causes dismemberment (e.g., the loss of a hand, foot, or eye). In the event that death occurs from a covered accident, both the life and the AD&D benefit would be payable. This insurance is optional and can be purchased by you and your Spouse .

Conversion

If you terminate your employment or become ineligible for this coverage, you have the option to convert all or part of the amount of coverage in force to an individual life policy on the date of termination without Evidence of Insurability. Conversion election must be made within 31 days of your date of termination.

Guarantee Issue

For timely entrants enrolled within 31 days of becoming eligible, the Guarantee Issue amount is available without any Evidence of Insurability requirement. Evidence of Insurability will be required for any amounts above this, for late enrollees or increase in insurance, and it will be provided at your own expense.

Limited Activity

A period when a Spouse or dependent is confined in a health care facility; or, whether confined or not, is unable to perform the regular and usual activities of a healthy person of the same age and sex.

Portability

If coverage has been in force for at least 12 months, you may continue coverage for a specified period of time after your employment by paying the required premium. Portability is available if you cease employment for a reason other than total disability or retirement at Social Security Normal Retirement Age. A written application must be made within 31 days of your termination.

Seat Belt, Airbag, and Common Carrier

If you die as a result of a covered auto accident while wearing a seat belt or in a vehicle equipped with an airbag, additional benefits are payable up to $10,000 or 10% of the principal sum, whichever is less. If loss occurs for you due to an accident while riding as a passenger in a common carrier, benefits will be double the amount that would otherwise apply as outlined in the certificate.

Term Life

Benefit provided to the designated beneficiary upon the death of the insured. The benefit is provided for the time period that you are eligible and premium is paid. There is no cash value associated with this product.

Exclusion: Suicide

Benefits will not be paid if the death results from suicide within 2 years after coverage is effective.

May apply if employee contributes toward the premium.

Additional Benefits LifeKeysSM

Online will & testament preparation service, identity theft resources and beneficiary assistance support for all employees and eligible dependents covered under the Group Term Life and/or AD&D policy.

TravelConnectSM

Travel assistance services for employees and eligible dependents traveling more than 100 miles from home.

For assistance or additional information Contact Lincoln Financial Group at

(800) 423-2765; reference ID: MARBLEFALL

www.LincolnFinancial.com

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22

Monthly Employee Premium Life and Accidental Death and Dismemberment Premium for sample benefit amounts Employee and Spouse premiums are calculated separately.

Refer to Program Specifications for your maximum benefit amounts.

Benefits and premium amounts reflect age reductions.

Monthly RATE 0.0800 0.0900 0.1100 0.1300 0.1800 0.2800 0.4400 0.7000 0.8700 1.4900

AGE

$ 10,000

$20,000

$30,000

$40,000

$50,000

$ 60,000

$ 70,000

$80,000

$90,000

$100,000

$0.80 $0.90 $1.10 $1.30 $1.80 $2.80 $4.40 $7.00 $8.70 $14.90

2.4000

<25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74

3.6700

75 +

$1.60 $1.80 $2.20 $2.60 $3.60 $5.60 $8.80 $14.00 $17.40 $29.80 $10,000 $24.00 $10,000 $36.70

$2.40 $2.70 $3.30 $3.90 $5.40 $8.40 $13.20 $21.00 $26.10 $44.70 $15,000 $36.00 $15,000 $55.05

$3.20 $3.60 $4.40 $5.20 $7.20 $11.20 $17.60 $28.00 $34.80 $59.60 $20,000 $48.00 $20,000 $73.40

$4.00 $4.50 $5.50 $6.50 $9.00 $14.00 $22.00 $35.00 $43.50 $74.50 $25,000 $60.00 $25,000 $91.75

$4.80 $5.40 $6.60 $7.80 $10.80 $16.80 $26.40 $42.00 $52.20 $89.40 $30,000 $72.00 $30,000 $110.10

$5.60 $6.30 $7.70 $9.10 $12.60 $19.60 $30.80 $49.00 $60.90 $104.30 $35,000 $84.00 $35,000 $128.45

$6.40 $7.20 $8.80 $10.40 $14.40 $22.40 $35.20 $56.00 $69.60 $119.20 $40,000 $96.00 $40,000 $146.80

$7.20 $8.10 $9.90 $11.70 $16.20 $25.20 $39.60 $63.00 $78.30 $134.10 $45,000 $108.00 $45,000 $165.15

$8.00 $9.00 $11.00 $13.00 $18.00 $28.00 $44.00 $70.00 $87.00 $149.00 $50,000 $120.00 $50,000 $183.50

$5,000 $12.00 $5,000 $18.35

This is an estimate of premium cost. Actual deductions may vary slightly due to rounding and payroll frequency.

Example: Use this formula to calculate premium for benefit amounts over

Age Example:

Monthly

35

Rate Per $1,000

.1300

Dependent Children Benefit

$10,000

Monthly Rate:

$1.00

X X X

$100,000

Benefit In $1,000’s

Monthly Cost

=

150

= = $ -

$

$ -

$ -

$19.50

-

$

-

$

$

-

$ -

-

$

-

$ -

Premium covers all dependent children regardless of the number of children.

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23

Monthly Spouse Premium Life and Accidental Death and Dismemberment Premium for sample benefit amounts Employee and Spouse premiums are calculated separately.

Spouse premiums will be calculated based on the Employee Age Refer to Program Specifications for your maximum benefit amounts.

Benefits and premium amounts reflect age reductions.

Monthly RATE 0.0800 0.0900 0.1100 0.1300 0.1800 0.2800 0.4400 0.7000 0.8700 1.4900

AGE

$ 5,000

$10,000

$15,000

$20,000

$ 25,000

$30,000

$35,000

$40,000

$45,000

$50,000

<25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69

$0.40 $0.45 $0.55 $0.65 $0.90 $1.40 $2.20 $3.50 $4.35 $7.45

$0.80 $0.90 $1.10 $1.30 $1.80 $2.80 $4.40 $7.00 $8.70 $14.90

$1.20 $1.35 $1.65 $1.95 $2.70 $4.20 $6.60 $10.50 $13.05 $22.35

$1.60 $1.80 $2.20 $2.60 $3.60 $5.60 $8.80 $14.00 $17.40 $29.80

$2.00 $2.25 $2.75 $3.25 $4.50 $7.00 $11.00 $17.50 $21.75 $37.25

$2.40 $2.70 $3.30 $3.90 $5.40 $8.40 $13.20 $21.00 $26.10 $44.70

$2.80 $3.15 $3.85 $4.55 $6.30 $9.80 $15.40 $24.50 $30.45 $52.15

$3.20 $3.60 $4.40 $5.20 $7.20 $11.20 $17.60 $28.00 $34.80 $59.60

$3.60 $4.05 $4.95 $5.85 $8.10 $12.60 $19.80 $31.50 $39.15 $67.05

$4.00 $4.50 $5.50 $6.50 $9.00 $14.00 $22.00 $35.00 $43.50 $74.50

This is an estimate of premium cost. Actual deductions may vary slightly due to rounding and payroll frequency.

Example: Use this formula to calculate premium for benefit amounts over

Age Example:

Monthly

35

Rate Per $1,000

.1300

X X X

$50,000

Benefit In $1,000’s

Monthly Cost

=

75

= =

Dependent Children Benefit

$10.000

$ -

$

Monthly Rate:

$1.00

$ -

$ -

$ 9.75

-

$

-

$

$

-

$ -

-

$

-

$ -

Premium covers all dependent children regardless of the number of children.

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24

Protection for accidental injuries, off-the-job

Accident Insurance Even when you live well, accidents happen. Treatment can be vital to recovery, but it can also be expensive. And if an accident keeps you away from work during recovery, the financial worries can grow quickly.

Most major medical insurance plans only pay a portion of the bills. Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses.

With accident insurance from Allstate Benefits, you can gain the advantage of financial protection, thanks to the cash benefits paid directly to you. You also gain the financial empowerment to seek the treatment needed to get well.

Key Features • Guaranteed Issue coverage, meaning no medical questions to answer • Coverage available for dependents • Premiums are affordable and are conveniently payroll deducted • Coverage may be continued, as long as premiums are paid to Allstate Benefits See reverse for plan details

Here’s How it Works Our coverage pays you cash benefits that correspond with a variety of covered occurrences, such as: dismemberment; dislocation or fracture; hospital confinement; ambulance services; and more. The cash benefits can be used to help pay for deductibles, treatment, rent and more.

With Allstate Benefits, you can protect your finances against life’s slips and falls.

Are you in Good Hands? You can be.

THIS IS NOT A POLICY OF WORKERS’ COMPENSATION INSURANCE. THE EMPLOYER DOES NOT BECOME A SUBSCRIBER TO THE WORKERS’ COMPENSATION SYSTEM BY PURCHASING THIS POLICY, AND IF THE EMPLOYER IS A NON-SUBSCRIBER, THE EMPLOYER LOSES THOSE BENEFITS WHICH WOULD OTHERWISE ACCRUE UNDER THE WORKERS’ COMPENSATION LAWS. THE EMPLOYER MUST COMPLY WITH THE WORKERS’ COMPENSATION LAW AS IT PERTAINS TO NON-SUBSCRIBERS AND THE REQUIRED NOTIFICATIONS THAT MUST BE FILED AND POSTED. 1

National Safety Council, Injury Facts®, 2014 Edition

POD8964 25

YOU DECIDE how to use the cash benefits Our cash benefits provide you with greater coverage options because you get to determine how to use them.

Finances Can help protect your HSAs, savings, retirement plans and 401ks from being depleted Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city Home You can use your cash benefits to help pay the mortgage, continue rental payments, or perform needed home repairs for your after care Expenses The lump-sum cash benefit can be used to help pay your family’s living expenses such as bills, electricity and gas

Benefits Base Policy Accidental Death

Common Carrier Accidental Death

Dismemberment

Dislocation or Fracture

Hospital Confinement

Daily Hospital Confinement

Intensive Care

Ambulance

Accident Physician Treatment

X-ray

Emergency Room Services Benefit Enhancements Lacerations

Burns

Skin Graft

Brain Injury Diagnosis

Paralysis

Coma with Respiratory Assistance

Blood and Plasma

General Anesthesia

Appliance

Medicine

Physical Therapy

Non-Local Transportation

Ruptured Spinal Disc Surgery

Eye Surgery

Open Abdominal or Thoracic Surgery

Medical Supplies

Prosthesis

Rehabilitation Unit

Family Member Lodging

Post-Accident Transportation

Accident Follow-up Treatment

Tendon, Ligament, Rotator Cuff or Knee Cartilage Surgery

Computed Tomography (CT) Scan and Magnetic Resonance Imaging (MRI) Additional Rider Outpatient Physician’s Benefit

Access Your Benefits and Claim Filings Accessing your benefit information using /[$GPGĪVU has never been easier. /[$GPGĪVU is an easy-to-use website that offers you 24/7 access to important information about your benefits. Plus, you can submit and check your claims (including claim history), request your cash benefit to be direct deposited, make changes to personal information, and more.

For use in enrollments sitused in: TX This material is valid as long as information remains current, but in no event later than April 5, 2020.

Group Accident benefits are provided by policy form GVAP2, or state variations thereof. Outpatient Physician’s Benefit Rider provided by rider form GOPBR, or state variations thereof.

Allstate Benefits is the marketing name used by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation. © Allstate Insurance Company. www.allstate.com or allstatebenefits.com

Coverage is provided by Limited Benefit Supplemental Accident Insurance. The policy is not a Medicare Supplement Policy. If eligible for Medicare, review Medicare Supplement Buyer’s Guide available from Allstate Benefits. This information highlights some features of the policy but is not the insurance contract. For complete details, contact your Allstate Benefits Agent. This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office, Jacksonville, FL).

Details of the insurance, including exclusions, restrictions and other provisions are included in the certificates issued.

The coverage does not constitute comprehensive health insurance coverage (often referred to as “major medical coverage”) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

26

Group Voluntary Off-the-Job Accident (Texas) BASE ACCIDENT BENEFITS Accidental Death $0 $0 Common Carrier Accidental Death $0 $0 Dismemberment $0 $0 Dislocation or Fracture $0 Hospitalization Confinement (per year) Daily Hospital Confinement (per day) Intensive Care (per day) Ambulance Services $0 Accident Physician Treatment X-Ray Emergency Room Services #N/A BENEFIT ENHANCEMENTS Lacerations Burns $0 Skin Graft Benefit (% of Burns) Brain Injury Diagnosis Computed Tomography (CT) Scan and Magnetic Resonance Imaging (MRI) Paralysis $0 Coma with Respiratory Assistance Open Abdominal or Thoracic Surgery Tendon, Ligament, Rotator Cuff or Knee Cartilage Surgery Ruptured Disc Surgery Eye Surgery General Anesthesia Blood and Plasma Appliance Medical Supplies Medicine Prosthesis $0 Physical Therapy (per day) Rehabilitation Unit (per day) Non-local Transportation (per trip) Family Member Lodging (per day) Post-Accident Transportation Accident Follow-Up Treatment (per day) ADDITIONAL RIDER BENEFITS Outpatient Physician's Benefit

0 Insured Employee Spouse, if covered Child(ren), if covered Insured Employee Spouse, if covered Child(ren), if covered Insured Employee Spouse, if covered Child(ren), if covered Insured Employee Spouse, if covered Child(ren), if covered $0 $0 $0 Regular Air $0 $0 0 #N/A $0 $0 less than 15% of body 15% or more of body

$0 Paraplegia Quadriplegia

Surgery Exploratory

1 device 2 or more devices

$0 $0 $0 $0 $0

#N/A $0

Option 1 $40,000 $20,000 $10,000 $200,000 $100,000 $50,000 $40,000 $20,000 $10,000 $4,000 $2,000 $1,000 $1,000 $200 $400 $200 $600 $100 $200 $200 #N/A $0 $150 $300 $1,500 50% $450 $150 $22,500 $45,000 $30,000 $3,000 $1,500 $450 $1,500 $300 $300 $900 $375 $15 $15 $1,500 $3,000 $90 $300 $1,200 $300 $600 $150 $50

27

#N/A $0

#N/A $0

Group Voluntary Off-the-Job Accident (Texas)

premiums – Monthly EE

EE + SP

EE + CH

F

Option 1

$13.40

$19.68

$27.02

$33.78

Option 2 – Monthly Premiums

$11.90

$17.64

$23.91

$29.89

Option 3 – Monthly Premiums

$12.52

$18.36

$25.26

$31.58

Option 4 – Monthly Premiums

$18.16

$26.82

$36.54

$45.68

PLAN DESIGN

For Internal Home Office use only Opt 1 - 2.00U Base; 3.00U Ber; 2.00U Opt

SQ V.10.21.2016

EE=Employee; EE + SP = Employee + Spouse; EE + CH = Employee + Child(ren); and F = Family

28

Protection for hospital stays when a sickness or injury occurs

Indemnity Medical Insurance Life is unpredictable. Without any warning, an illness or injury can lead to a hospital visit – and costly out-of-pocket expenses.

Expenses associated with a hospital stay can be financially difficult if money is tight and you are not prepared. But having the right coverage in place before you experience a sickness or injury can help eliminate your financial concerns and provide support at a time when it is needed most.

Allstate Benefits offers a solution to help you protect your income and empower you to seek treatment.

Key Features • Guaranteed Issue coverage, meaning no medical questions to answer • Coverage available for dependents • Premiums are affordable and are conveniently payroll deducted • Coverage may be continued, as long as premiums are paid to Allstate Benefits, as defined under the Portability provision.

See reverse for plan details

Here’s How it Works Our Indemnity Medical insurance pays a cash benefit for hospital confinement. This benefit is payable directly to you and can keep you from withdrawing money from your personal bank account or your Health Savings Account (HSA) for hospital-related expenses.

This is especially helpful since statistics show the average hospital stay is approximately 5 days,1 which can add up quickly. On top of that, the number of people who forgo or delay needed health care due to the high cost has nearly doubled in the past 10 years2. These facts make it increasingly important to not only protect your finances if faced with an unexpected illness, but also to empower yourself to seek the necessary treatment.

With Allstate Benefits, you can feel assured that you have the protection you need if faced with a hospitalization. Are you in Good Hands? You can be.

THIS IS NOT A POLICY OF WORKERS’ COMPENSATION INSURANCE. THE EMPLOYER DOES NOT BECOME A SUBSCRIBER TO THE WORKERS’ COMPENSATION SYSTEM BY PURCHASING THIS POLICY, AND IF THE EMPLOYER IS A NON-SUBSCRIBER, THE EMPLOYER LOSES THOSE BENEFITS WHICH WOULD OTHERWISE ACCRUE UNDER THE WORKERS’ COMPENSATION LAWS. THE EMPLOYER MUST COMPLY WITH THE WORKERS’ COMPENSATION LAW AS IT PERTAINS TO NON-SUBSCRIBERS AND THE REQUIRED NOTIFICATIONS THAT MUST BE FILED AND POSTED. *2013 Comparative Price Report, International Federation of Health Plans 1 http://tinyurl.com/hek75ry. 2http://tinyurl.com/zmaodhj

POD8966 29

HSA Group Indemnity Medical 2 (TEXAS) benefits and amounts HSA COMPATIBLE BENEFITS First Day Hospital Confinement Benefit Limit to Number of Occurrences Pregnancy (Normal and Complications) Covered Daily Hospital Confinement Benefit Maximum Number of Days¹ Hospital Intensive Care Benefit Maximum Number of Days² $0 OPTIONAL EXCLUSIONS Mental and Nervous Disorders Covered Drug Addiction and Alcoholism Covered Pregnancy Waiting Period $0 ADDITIONAL OPTIONS Removal of Pre-Existing Conditions Limitation $0 $0 #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A

FALSE

$0 $0

$0 $0

$0 $0

$0 $0

$0 $0 #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A

$0 $0 #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A

OPTION 1 $1,100 No Limit Yes $100 90 Days Max $100 90 Days Max $0 $0 No No None $0 $0 Yes $0 $0 #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A

$0 $0

$0 $0

$0 $0

$0 $0

$0 $0 #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A

$0 $0 #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A

¹ payable for each day, up to the max per continuous confinement in a hospital; not paid for any day the First Day Hospital Confinement Benefit is paid ² payable for each day, up to the max per continuous confinement in a hospital intensive care unit; pays in addition to the First Day Hospital Confinement Benefit and Daily Hospital Confinement Benefit

30

HSA Group Indemnity Medical 2 (TEXAS)

premiums

Option 1

Mode

HSA/Non-HSA

EE

EE + SP

EE + CH

F

Monthly

HSA

$24.31

$68.12

$42.12

$73.06

Monthly

HSA

$23.66

$66.56

$40.82

$71.11

Monthly

HSA

$35.36

$99.71

$61.23

$106.73

Monthly

HSA

$47.19

$132.99

$81.64

$142.35

Monthly

HSA

$14.56

$39.26

$25.22

$42.38

For Internal Home Office use only: SQ V 01.27.2017 Proposal Creation Date: 3/17/ϮϬϭϵ COM-C

This quote expires on 6/17/ϮϬϭϵ This product can only be offered to Employer Groups in this state. Coverage for Associations are not yet available.

EE=Employee; EE + SP = Employee + Spouse; EE + CH = Employee + Child(ren); and F = Family

31

CancerSelect® Plus Cancer-only indemnity insurance | Underwritten by Transamerica Life Insurance Company

Nancy watched as a co-worker battled lung cancer. Everyone rallied around him for support, but he still faced major financial strain due to missed work and high deductibles. Knowing her pack-a-day habit and family history, Nancy doesn’t worry if she’ll get cancer, but when. And when the time comes, she’s afraid medical insurance might not be enough.

Product highlights • Pays benefits directly to you • Spouse and dependent benefits available

Good medical insurance helps, but is it enough?

While some individuals diagnosed with cancer have meaningful and adequate health insurance to pay for most of the cost of treatment, privately insured workers face the prospect of crippling out-of-pocket costs.

If cancer is the disease you worry about most, you’re not alone.

• Payroll-deducted premiums • Easy enrollment process

Contact information

If you or one of your family members were to be diagnosed with cancer, would you want to face those chances? Now there’s a way you can add more benefits for you and your family.

With this supplemental benefit your employer is making available, you’ll not only have more resources to cope with any future diagnosis of cancer, but you’ll also have wellness benefits to help you detect cancer early when it’s most treatable.

VISIT

transamericabenefits.com CUSTOMER SERVICE

1-888-763-7474

Valuable benefits for your life.

Review the attached benefits and costs for the insurance policy your employer has designed for your consideration. It’s a long list of benefits, but they’re all important. As you read through the list of all the ways this supplemental insurance pays, think about how you could possibly pay for all these costs on your own. Fighting cancer can be challenging both financially and emotionally, and the more resources you have, the better prepared you and your family will be.

Monthly Premium

Individual

Single Parent Family

Family

Plan Option 1

$13.73

$15.62

$24.54

$22.47

$25.76

$40.70

Monthly Premium Plan Option 2

Up-to-date information regarding our compensation practices can be found in the Disclosures section of our website: tebcs.com This is a brief summary of CancerSelect Plus, cancer-only insurance. Policy form series CPCAN200 and CCCAN200. Forms and numbers may vary.

Insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

23217_CCP01C0916 32

Product Details Hospital Benefits Hospital Confinement

Extended Benefits

Plan Option 1 1.00 Units

Plan Option 2 1.00 Units

$100

$100

per day of covered confinement

$200

per day; begins on day 91 of continuous confinement; in lieu of all other benefits (except surgery and anesthesia)

$200

Policy Pays

Attending Physician

$20

$20

per day while hospital confined; one visit per 24-hour period

Inpatient Drugs and Medicines

$15

$15

per day while hospital confined

$100

per day while hospital confined; must be authorized by the attending physician; cannot be hospital staff or a family member

$100

for service by a licensed ambulance service for transportation to a hospital; admittance required

$100

per day; up to the number of days for the prior hospital stay; admittance must be within 14 days of hospital discharge

$100

per day of covered confinement; in lieu of all other benefits

$100

$100

per day of hospice care; 100-day lifetime maximum; not payable while hospital confined

Plan Option 1 1.00 Units

Plan Option 2 2.00 Units

Private Duty Nurse

$100

Ambulance

$100

Extended Care Facility Government or Charity Hospital

Hospice Care

Surgery Benefits

$100

$100

Inpatient

$1,000

$2,000

Outpatient

$1,500

$3,000

25%

25%

Surgery

Anesthesia

QT0000152682-01

Transamerica Life Insurance Company

33

Policy Pays maximum benefit; actual benefit is determined by the surgery schedule in the contract; for multiple procedures in same incision only the highest benefit is paid; for multiple procedures in separate incisions will pay highest benefit and then 50% for each lesser procedure of covered surgery benefit

Page 4

of 13

Product Details

Prosthesis

$1,000

maximum benefit; pays actual charges per device requiring implantation

$50

$100

maximum benefit; pays actual charges for wig to cover hair loss from cancer treatment

$120

$240

$500

Hair Prosthesis Breast Cancer – simple or total mastectomy Breast Cancer – Reconstructive radical mastectomy Surgery Cancers of the male or female genitalia Cancer of the head, neck, or oral cancers Second Surgical Opinion

$170

$340

$170

$340

$250

$500

$100

$200

when surgery is prescribed; excludes skin cancer maximum per day; pays actual charges for outpatient surgery at an ambulatory surgical center

Ambulatory Surgical Center

$150

$300

One removal

$75

$150

Per additional removal

$35

$70

Plan Option 1 1.00 Units

Plan Option 2 2.00 Units

Skin Cancer

Radiation and Chemotherapy Benefits

for reconstructive surgery within 2 years of the initial cancer removal; excludes skin cancer and malignant melanoma; benefit not payable if paid under any other provision of the policy

Radiation and Chemotherapy

$5,000

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Transamerica Life Insurance Company

$10,000

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for removal of skin cancer (skin cancer does not include malignant melanoma or mycosis fungoides)

Policy Pays maximum benefit per 12-month period; pays actual charges

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Product Details

Associated Radiation & Chemo Expenses Blood, Plasma, Blood Components, Bone Marrow and Stem Cell Transplant

Associated Blood & Plasma Expenses

$250

$500

$5,000

$10,000

$250

maximum benefit per 12-month period; pays actual charges

$500

maximum benefit per 12-month period; pays actual charges for administration of blood, plasma and blood components, transfusions, processing and procurement, or cross-matching, treatment consultations and planning, physical exams, checkups, and laboratory or diagnostic tests; transportation and lodging are not included as associated expenses

$10,000

maximum benefit per 12-month period; pays actual charges for drugs or chemical substances approved by the FDA for experimental use on humans or surgery or therapy endorsed by either the NCI or ACS for experimental studies received in the US or its territories

New or Experimental Treatment

$5,000

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maximum benefit per 12-month period; pays actual charges for treatment consultations and planning, adjunctive therapy, radiation management, chemotherapy administration, physical exams, checkups, and laboratory or diagnostic tests; transportation and lodging are not included as associated expenses

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Product Details Wellness & Non-Medical Benefits

Plan Option 1 1.00 Units

Plan Option 2 2.00 Units

$100

per calendar year for cancer screening tests: mammogram pap smear flexible sigmoidoscopy prostate-specific antigen test chest x-ray hemocult stool specimen ultrasound CEA CA125 biopsy thermography colonoscopy serum protein electrophoresis bone marrow testing blood screening

$100

per calendar year for MRI scan used as diagnostic tool for breast cancer

Annual Cancer Screening $50 Magnetic Resonance Imaging (MRI) Scan

Non-Local Transportation

Family Member Lodging

$50

Included

Included

$50

Policy Pays

round-trip charges or private vehicle allowance, up to 750 miles at $0.40 per mile, when required non-local hospital confinement is more than 50 miles from residence for a covered person and an adult immediate family member during confinement; payable once per confinement

$100

per day (maximum 50 days per 12 month period) for lodging expenses for an adult immediate family member when non-local hospital confinement is required

Outpatient Lodging

$50

$100

per day (maximum 50 days per 12 month period) for lodging expenses for a covered person to receive radiation or chemotherapy on an outpatient basis if not available locally

Physical Therapy & Speech Therapy

$25

$50

per treatment; limit one treatment per day

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Product Details

At-Home Nursing

$50

$100

per day, up to the number of days of the prior hospital stay when admitted within 14 days of hospital discharge waives premium for total disability due to cancer after 60 consecutive days of total disability; total disability must begin prior to the covered person's 70th birthday

Waiver of Premium

Included

Included

Cancer Maintenance Therapy Benefit

Plan Option 1 1.00 Units

Plan Option 2 1.00 Units

Cancer Suppressive Therapy Hematological Drugs Anti-Nausea Drugs Motility Agents

First Occurrence Rider (Rider Form Series CROCC100, 200 or 300)

$1,000

$1,000

Plan Option 1 2.00 Units

Plan Option 2 3.00 Units

Policy Pays

maximum benefit per 12-month period; pays actual charges

Policy Pays pays a one-time, lump-sum benefit when a covered person is initially diagnosed with cancer (except skin cancer), based on a microscopic examination of fixed tissue or preparations from the hemic system.

Clinical diagnosis is accepted under certain conditions.

Initial Diagnosis Benefit

$2,000

$3,000

Intensive Care Rider (Rider Form Series CRICU100, 200 or 300)

Plan Option 1 2.00 Units

Plan Option 2 2.00 Units

$200

$200

per day of confinement in an ICU such as a cardiac care unit, burn unit, or neonatal unit

$100

per day of confinement in a step-down unit for progressive, sub-acute or intermediate care

Maximum of 45 days per covered confinement

Intensive Care Unit

Step-Down Unit

$100

Policy Pays

maximum benefit; pays actual charges; per period of ICU confinement for transportation between medical facilities by a licensed professional ambulance service; benefit is not payable if paid under Ambulance Benefit $400 $400 the base contract provision Actual charges means the amount actually paid by or on behalf of the insured and accepted by the provider as payment in full for services provided.

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Limitations and Exclusions We provide benefits only for cancer as defined herein, which is positively diagnosed while coverage is in force. It does not provide benefits for any other illness or disease.

We may reduce or deny a claim or void coverage for loss incurred by a covered person: During the first 2 years from the effective date of such coverage for any misstatements in the application which would have materially affected our acceptance of the risk; At any time for fraudulent misstatements in the application.

We will only pay for loss as a direct result of cancer. Proof of positive diagnosis must be submitted to us for each new claim. We will not pay for any other disease or incapacity that has been caused, complicated, worsened or affected by, or as a result of cancer, except as specifically covered under the contract.

If a covered hospital confinement is due to more than one covered condition, benefits will be payable as though the confinement or expense were due to one condition. If a hospital confinement or expense is also due to a disease or condition that is not covered, benefits will be payable only for the part of the hospital confinement or expense due to the covered disease or condition.

Under no condition will we pay any benefits for losses or medical expenses incurred prior to the effective date.

Pre-Existing Condition Limitation - No benefits are provided during the first 12 months for pre-existing conditions for which the covered person has been diagnosed, treated, or for which the covered person has incurred expense or has taken medication within 12 months prior to the effective date of such person's policy. Pre-existing condition also includes a condition that manifests itself in a way that would cause an ordinarily prudent person to seek medical advice, diagnosis, care or treatment.

Total Disability means the inability to perform all of the material and substantial duties of the employee's regular occupation. Total Disability will be considered to exist when under the regular care and attendance of a physician for the necessary treatment of cancer. After the first two years of Total Disability, the employee will continue to be considered Totally Disabled if unable to engage in any employment or occupation for which he or she is or becomes qualified by reason of education, training, or experience. On or after age 65, Total Disability will mean that a physician has certified that the employee is unable to perform two or more Activities of Daily Living (continence, transferring, dressing, toileting, eating and bathing) without direct personal assistance as a result of cancer.

12-Month Benefit Period - The initial 12-Month Benefit Period is the 12-month period beginning on the date of positive diagnosis. Subsequent 12-Month Benefit Periods begin on the same month and day as the immediately preceding 12-Month Benefit Period; however, if the covered person incurs no covered loss during the 3 months after the end of any 12-Month Benefit Period, the next 12-Month Benefit Period will begin on the next date a covered loss is incurred. Benefit Periods are determined separately for each covered person.

First Occurrence Rider Benefits are not payable: For cancer diagnosed prior to the Effective Date of this Rider; For any other illness or disease other than internal Cancer; For Skin Cancer or any Cancer excluded from coverage by name or specific description.

Intensive Care Rider We will only pay one daily indemnity benefit per day. We will not pay any benefits for loss resulting from: Specifically excluded diseases or conditions in the Contract or in this Rider; An attempted suicide while sane or insane or an intentionally self-inflicted injury; Any act of war either declared or undeclared; Alcoholism or drug addiction; Mental or nervous disorders; An overdose of drugs, narcotics, hallucinogens, unless administered on the advice of a Physician; Intoxication, or being under the influence of any intoxicant or narcotic, unless administered on the advice of a Physician; Injury received while engaging in an illegal occupation or activity.

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Page 11 of 13

Limitations and Exclusions Termination of Insurance Employee insurance will terminate on the earliest of: The date of the employee's death; The date on which the employee ceases to be eligible for insurance; The last date for which premium payment has been made to us; The last date on which employment terminates; The date the group master policy terminates; or The date the employee sends us a written notice to cancel insurance.

Dependent insurance will terminate on the earliest of: The date the employee's insurance terminates; The last date for which premium payment has been made to us; The date the dependent no longer meets the definition of dependent; The date the group master policy is modified so as to exclude dependent insurance; or The date the employee sends us a written notice to cancel dependent insurance.

We will have the right to terminate the insurance of any insured person who submits a fraudulent claim under the policy.

Portability Option If an employee loses eligibility for this insurance for any reason other than nonpayment of premiums, insurance can be continued by paying the premiums directly to us within 31 days after termination. We will bill the employee directly once we receive notification to continue insurance.

Other Insurance with Us An individual can only have one cancer policy or certificate with us. If a person already has cancer insurance with us, such person is not eligible to apply for this insurance.

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Page 12 of 13

MetLife Critical Illness Insurance Plan Summary COVERAGE OPTIONS Critical Illness Insurance Eligible Individual

Initial Benefit

Requirements

$10,000 or $20,000

Coverage is guaranteed provided you are actively at work.3

Spouse/Domestic Partner1

100% of the employee’s Initial Benefit

Dependent Child(ren)2

100% of the employee’s Initial Benefit

Coverage is guaranteed provided the employee is actively at work and the spouse/domestic partner is not subject to a medical restriction as set forth on the enrollment form and in the Certificate.3 Coverage is guaranteed provided the employee is actively at work and the dependent is not subject to a medical restriction as set forth on the enrollment form and in the Certificate.3

Employee

BENEFIT PAYMENT Your Initial Benefit provides a lump-sum payment upon the first diagnosis of a Covered Condition. Your plan pays a Recurrence Benefit4 equal to the Initial Benefit for the following Covered Conditions: Heart Attack, Stroke, Coronary Artery Bypass Graft, Full Benefit Cancer and Partial Benefit Cancer. A Recurrence Benefit is only available if an Initial Benefit has been paid for the Covered Condition.

There is a Benefit Suspension Period between Recurrences.

The maximum amount that you can receive through your Critical Illness Insurance plan is called the Total Benefit and is 3 times the amount of your Initial Benefit. This means that you can receive multiple Initial Benefit and Recurrence Benefit payments until you reach the maximum of 300% or $30,000 or $60,000.

Please refer to the table below for the percentage benefit amount for each Covered Condition.

Covered Conditions

Initial Benefit

Recurrence Benefit

100% of Initial Benefit

100% of Initial Benefit

25% of Initial Benefit

25% of Initial Benefit

Heart Attack

100% of Initial Benefit

100% of Initial Benefit

Stroke6

100% of Initial Benefit

100% of Initial Benefit

Coronary Artery Bypass Graft

100% of Initial Benefit

100% of Initial Benefit

Kidney Failure

100% of Initial Benefit

Not applicable

Alzheimer’s Disease8

100% of Initial Benefit

Not applicable

Major Organ Transplant Benefit

100% of Initial Benefit

Not applicable

22 Listed Conditions

25% of Initial Benefit

Not applicable

Full Benefit Cancer5 Partial Benefit Cancer

5

7

22 Listed Conditions MetLife Critical Illness Insurance will pay 25% of the Initial Benefit Amount for each of the 22 Listed Conditions until the Total Benefit Amount is reached. A Covered Person may only receive one payment for each Listed Condition in his/her lifetime. The Listed Conditions are Addison’s disease (adrenal hypofunction); amyotrophic lateral sclerosis (Lou Gehrig’s disease); cerebrospinal meningitis (bacterial); cerebral palsy; cystic fibrosis; diphtheria; encephalitis; Huntington’s disease (Huntington’s chorea); Legionnaire’s disease; malaria; multiple sclerosis (definitive diagnosis); muscular dystrophy; myasthenia gravis; necrotizing fasciitis; osteomyelitis; poliomyelitis; rabies; sickle cell anemia (excluding sickle cell trait); systemic lupus erythematosus (SLE); systemic sclerosis (scleroderma); tetanus; and tuberculosis.

ADF# CI660.14

40

Example of Initial & Recurrence Benefit Payments The example below illustrates an employee who elected an Initial Benefit of $30,000 and has a Total Benefit of 3 times the Initial Benefit Amount or $60,000.

Illness – Covered Condition

Payment

Total Benefit Remaining

Heart Attack – first diagnosis

Initial Benefit payment of $10,000 or 100%

$20,000

Heart Attack – second diagnosis, two years later

Recurrence Benefit payment of $10,000 or 100%

$10,000

Kidney Failure – first diagnosis, three years later

Initial Benefit payment of $10,000 or 100%

$0

SUPPLEMENTAL BENEFITS MetLife provides coverage for the Supplemental Benefits listed below. This coverage would be in addition to the Total Benefit Amount payable for the previously mentioned Covered Conditions.

Health Screening Benefit10 After your coverage has been in effect for thirty days, MetLife will provide an annual benefit* of $50 or $100 per calendar year for taking one of the eligible screening/prevention measures. MetLife will pay only one health screening benefit per covered person per calendar year. For a complete list of eligible screening/prevention measures, please refer to the Disclosure Statement/Outline of Coverage. *The Health Screening Benefit amount depends upon the Initial Benefit Amount selected. Employees would receive a $50 benefit with the $10,000 initial benefit amount or a $100 benefit with the $60,000 Initial Benefit Amount.

INSURANCE RATES MetLife offers competitive group rates and convenient payroll deduction so you don’t have to worry about writing a check or missing a payment! Your employee rates are outlined below.

Monthly Premium/$1,000 of Coverage:

Attained Age <25

Employee Only $0.42

Employee + Spouse

Employee + Children

Employee + Spouse / Children

$0..84

$0.94

$1.36

25–29

$0.44

$0.93

$0.96

$1.45

30–34

$0.61

$1.28

$1.13

$1.80

35–39

$0.84

$1.83

$1.36

$2.35

40–44

$1.26

$2.80

$1.78

$3.32

45–49

$1.88

$4.22

$2.40

$4.74

50–54

$2.66

$6.12

$3.18

$6.64

55–59

$3.66

$8.68

$4.18

$9.20

60–64

$5.27

$12.76

$5.79

$13.28

65–69

$7.89

$19.20

$8.41

$19.72

70+

$12.31

$29.04

$12.83

$29.56

41

QUESTIONS & ANSWERS Who is eligible to enroll?

Regular active full-time employees who are actively at work along with their spouse/domestic partner and dependent children can enroll for MetLife Critical Illness Insurance coverage.3 How do I pay for coverage?

Coverage is paid through convenient payroll deduction.

What is the coverage effective date?

The coverage effective date is 09/01/ If I Leave the Company, Can I Keep My Coverage? 11 Under certain circumstances, you can take your coverage with you if you leave. You must make a request in writing within a specified period after you leave your employer. You must also continue to pay premiums to keep the coverage in force.

Who do I call for assistance?

Contact a MetLife Customer Service Representative at 1 800- GET-MET8 (1-800-438-6388), Monday through Friday from 8:00 a.m. to 11:00 p.m., EST. Individuals with a TTY may call 1-800-855-2880.

Please call MetLife directly at 1-855-JOIN-MET (1-855-564-6638), Monday through Friday from 8:00 a.m. to 11 p.m., EST and talk with a benefits consultant.

Footnotes: 1

Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Please contact MetLife for more information.

Dependent Child coverage varies by state. Please contact MetLife for more information.

3 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas.

Coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of your job at the employer's place of business or at an alternate place approved by your employer (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas.

4 We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period. We will not pay a Recurrence Benefit for either a Full Benefit Cancer or a Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial Benefit during the Benefit Suspension Period.

5 Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount. For NH-sitused cases and NH residents, there is an initial benefit of $100 for All Other Cancers.

6 In certain states, the covered condition is Severe Stroke.

8 Please review the Outline of Coverage for specific information about Alzheimer’s Disease.

The Occupational HIV benefit is not available with all plans or in all states. Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about the Occupational HIV benefit if it is available to you.

10 In most states there is a 30 day waiting period for the Health Screening Benefit. There is no waiting period for MD sitused cases. The Health Screening Benefit is not available to NH sitused cases or NH residents. There is a separate mammogram benefit for MT residents and for cases sitused in CA and MT. 11 See your certificate for details.

2

METLIFE’S CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife’s CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability vary by state. There is a preexisting condition exclusion. There is a Benefit Suspension Period between Recurrences. Attained Age rates are based on 5-year age bands and will increase when a Covered Person reaches a new age band. Rates are subject to change. A more detailed description of the benefits, limitations, and exclusions can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI or GPNP10-CI, or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.

MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.

L0515424452[exp0716][All States] Metropolitan Life Insurance Company, New York, NY 10166.

PEANUTS © 2015 Peanuts Worldwide, LLC

42

Advantages of a Flexible Spending Account (FSA)

ǀĂůƵĂďůĞ ƉƌĞͲƚĂdž ďĞŶĞĮƚ ǁŝƚŚ ŝŶŶŽǀĂƟǀĞ ƐĞƌǀŝĐĞƐ͊ Fl S t FlexSystem FSA increases i your take-home t k h pay by b reducing d i your taxable income. A Flexible Spending Account (FSA) allows you to save up to 30% on your eligible healthcare and/or dependent care expenses every year by using pre-tax dollars.

FlexSystem Healthcare FSA FlexSystem Dependent Care FSA

Consider how much you spend on healthcare and/or dependent care expenses ĨŽƌ LJŽƵ ĂŶĚ LJŽƵƌ ƋƵĂůŝĮĞĚ ĚĞƉĞŶĚĞŶƚƐ ŝŶ ŽŶĞ LJĞĂƌ͗ ͻ ƉƌĞƐĐƌŝƉƟŽŶ ĚƌƵŐƐͬŵĞĚŝĐĂƟŽŶƐ͘

ͻ ǀĂĐĐŝŶĂƟŽŶƐ͘

ͻ ŵĞĚŝĐĂůͬĚĞŶƚĂů ŽĸĐĞ ǀŝƐŝƚ ĐŽͲƉĂLJƐ͘

ͻ ĚĂLJĐĂƌĞ ƚƵŝƟŽŶ͘

Pre-Tax Savings Example Without FSA Ψϯ͕ϱϬϬ

With FSA Ψϯ͕ϱϬϬ

ͻ ĞLJĞ ĞdžĂŵƐ ĂŶĚ ƉƌĞƐĐƌŝƉƟŽŶ ŐůĂƐƐĞƐͬůĞŶƐĞƐ͘

'ƌŽƐƐ DŽŶƚŚůLJ WĂLJ͗

tŚLJ ŶŽƚ ƌĞĚƵĐĞ ƚŚĞƐĞ ĞdžƉĞŶƐĞƐ ďLJ ƵƐŝŶŐ ƉƌĞͲƚĂdž ĚŽůůĂƌƐ ŝŶƐƚĞĂĚ ŽĨ ĂŌĞƌͲƚĂdž ĚŽůůĂƌƐ͍ With rising healthcare costs, every penny counts! By using pre-tax dollars, you are taxed on a lower gross salary, thereby saving money that would otherwise be spent on federal, state and FICA taxes, and thereby you increase your take home pay!

WƌĞͲdĂdž ŽŶƚƌŝďƵƟŽŶƐ DĞĚŝĐĂůͬ ĞŶƚĂů WƌĞŵŝƵŵƐ DĞĚŝĐĂů džƉĞŶƐĞƐ ĞƉĞŶĚĞŶƚ ĂƌĞ džƉĞŶƐĞƐ dKd >͗

ΨϬ ΨϬ ΨϬ ΨϬ

ͲΨϭϮϱ ͲΨϳϱ ͲΨϰϬϬ ͲΨϲϬϬ

ŵƉůŽLJĞĞ ƐĂůĂƌLJ ƌĞĚƵĐƚŝŽŶƐ ƚŽ Ă ŵĞĚŝĐĂů &ůĞdžŝďůĞ ^ƉĞŶĚŝŶŐ ĐĐŽƵŶƚ ;&^ Ϳ ĂƌĞ ůŝŵŝƚĞĚ ƚŽ ΨϮ͕ϳϬϬ ƉĞƌ WůĂŶ zĞĂƌ͕ ŝŶĚĞdžĞĚ ĨŽƌ ŝŶĨůĂƚŝŽŶ͘ ŚĞĐŬ ǁŝƚŚ LJŽƵƌ ĞŵƉůŽLJĞƌ ĨŽƌ LJŽƵƌ WůĂŶ͛Ɛ ŵĂdžŝŵƵŵ ĂŶŶƵĂů ĞůĞĐƚŝŽŶ ĂŵŽƵŶƚ͘

Taxable Monthly Income

$3,500

$2,900

dĂdžĞƐ ;ĨĞĚĞƌĂů͕ ƐƚĂƚĞ͕ &/ Ϳ͗ ͲΨϵϲϴ KƵƚͲŽĨͲƉŽĐŬĞƚ džƉĞŶƐĞƐ͗ ͲΨϲϬϬ Monthly Take-home Pay: $1,932

ͲΨϴϬϮ $0 $2,098

WƵƫŶŐ ŵŽŶĞLJ ŝŶ ĂŶ &^ ŝƐ ƐŵĂƌƚ ĂŶĚ ƐĂĨĞ͊ /Ĩ LJŽƵ ŚĂǀĞ ŵĞĚŝĐĂů &^ ĨƵŶĚƐ ůĞŌŽǀĞƌ Ăƚ the end of the Plan Year and your employer has elected Carryover, you may carryover up to $500 from year to year with no cost or penalty.

Net Increase in Take-Home Pay = $166/mo! &Žƌ ŝůůƵƐƚƌĂƟŽŶ ŽŶůLJ͘ ĐƚƵĂů ĚŽůůĂƌ ĂŵŽƵŶƚƐ ŵĂLJ ǀĂƌLJ͘

How FlexSystem Works &ůĞdž^LJƐƚĞŵ &^ ŝƐ ŽīĞƌĞĚ ƚŚƌŽƵŐŚ LJŽƵƌ ĞŵƉůŽLJĞƌ ĂŶĚ ŝƐ ĂĚŵŝŶƐƚĞƌĞĚ ďLJ d ^ ͘ tŚĞŶ LJŽƵ ĐŚŽŽƐĞ ƚŽ ĞŶƌŽůů ŝŶ Ă &ůĞdž^LJƐƚĞŵ &^ Healthcare and/or Dependent Care, you choose the dollar amount you want to contribute to each account based on your ĞƐƟŵĂƚĞĚ ĞdžƉĞŶƐĞƐ ĨŽƌ ƚŚĞ ƵƉĐŽŵŝŶŐ WůĂŶ zĞĂƌ͘ zŽƵƌ ĐŽŶƚƌŝďƵƟŽŶƐ ǁŝůů ďĞ ĚĞĚƵĐƚĞĚ ŝŶ ĞƋƵĂů ĂŵŽƵŶƚƐ ĨƌŽŵ ĞĂĐŚ ƉĂLJĐŚĞĐŬ͕ pre-tax, throughout the Plan Year. The more you contribute to these accounts, the more you save by paying less in taxes! zŽƵƌ ƚŽƚĂů ,ĞĂůƚŚĐĂƌĞ &^ ĂŶŶƵĂů ĐŽŶƚƌŝďƵƟŽŶ ĂŵŽƵŶƚ ŝƐ ĂǀĂŝůĂďůĞ ŝŵŵĞĚŝĂƚĞůLJ Ăƚ ƚŚĞ ƐƚĂƌƚ ŽĨ ƚŚĞ WůĂŶ zĞĂƌ͖ ĞƉĞŶĚĞŶƚ ĂƌĞ &^ funds are available up to the current account balance only.

Reimbursements and the TASC Card Ɛ LJŽƵ ŝŶĐƵƌ ĞůŝŐŝďůĞ ĞdžƉĞŶƐĞƐ͕ ƐŝŵƉůLJ ƐǁŝƉĞ LJŽƵƌ d ^ ĂƌĚ͘ dŚĞ ĐĂƌĚ ĂƵƚŽŵĂƟĐĂůůLJ ƉĂLJƐ ĨŽƌ ĂŶĚ ƐƵďƐƚĂŶƟĂƚĞƐ ŵŽƐƚ ĞůŝŐŝďůĞ expenses at the point of purchase. If you do not use the TASC Card to pay for an eligible expense, simply submit a request for ƌĞŝŵďƵƌƐĞŵĞŶƚ ǀŝĂ ƚŚĞ DLJd ^ DŽďŝůĞ ƉƉ͕ ŽŶůŝŶĞ ZĞƋƵĞƐƚ ĨŽƌ ZĞŝŵďƵƌƐĞŵĞŶƚ tŝnjĂƌĚ ŝŶ DLJd ^ ͕ ƚĞdžƚ ŵĞƐƐĂŐĞ͕ ĨĂdž͕ Žƌ ŵĂŝů͘ zŽƵƌ ƌĞŝŵďƵƌƐĞŵĞŶƚ ŝƐ ĚĞƉŽƐŝƚĞĚ ŝŶ LJŽƵƌ DLJ ĂƐŚ ĂĐĐŽƵŶƚ͘ zŽƵ ĐĂŶ ĂĐĐĞƐƐ LJŽƵƌ DLJ ĂƐŚ ĨƵŶĚƐ ŝŶ ƚŚƌĞĞ ǁĂLJƐ͗ ;ϭͿ ƐǁŝƉĞ LJŽƵƌ d ^ ĂƌĚ Ăƚ ĂŶLJ ŵĞƌĐŚĂŶƚ ƚŚĂƚ ĂĐĐĞƉƚƐ ŵĂũŽƌ ĐƌĞĚŝƚ ĐĂƌĚƐ͕ ;ϮͿ ǁŝƚŚĚƌĂǁ Ăƚ ĂŶ dD ƵƐŝŶŐ LJŽƵƌ d ^ ĂƌĚ ;ǁŝƚŚ W/EͿ͕ Žƌ ;ϯͿ ƚƌĂŶƐĨĞƌ ƚŽ Ă ƉĞƌƐŽŶĂů ďĂŶŬ ĂĐĐŽƵŶƚ ĨƌŽŵ DLJ ĂƐŚ DĂŶĂŐĞƌ ǁŝƚŚŝŶ DLJd ^ ͘ d ^ ͻ ϮϯϬϮ /ŶƚĞƌŶĂƟŽŶĂů >ĂŶĞ ͻ DĂĚŝƐŽŶ͕ t/ ϱϯϳϬϰͲϯϭϰϬ ͻ ϴϬϬͲϰϮϮͲϰϲϲϭ ͻ &Ădž͗ ϲϬϴͲϮϰϱͲϯϲϮϯ ͻ ǁǁǁ͘ƚĂƐĐŽŶůŝŶĞ͘ĐŽŵ &yͲϰϮϰϱͲϬϮϬϱϭϰ 43

33 million Americans

FSA Eligible Expenses FlexSystem FSA funds may only be used for eligible expenses under your ŚĞĂůƚŚĐĂƌĞ &^ ĂŶĚͬŽƌ ĚĞƉĞŶĚĞŶƚ ĐĂƌĞ &^ ͘ ^ŽŵĞ ĞůŝŐŝďůĞ ĞdžƉĞŶƐĞƐ ŝŶĐůƵĚĞ͗ ͻ

DĞĚŝĐĂů ĐĂƌĞ ƐĞƌǀŝĐĞƐ ͻ

WƌĞƐĐƌŝƉƟŽŶƐ

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Dental care services

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ĞƌƚĂŝŶ ŽǀĞƌͲƚŚĞͲĐŽƵŶƚĞƌ ŵĞĚŝĐĂƟŽŶƐ

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Vision care expenses

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ĂLJĐĂƌĞ ƚƵŝƟŽŶ

DŽƌĞ ĚĞƚĂŝůĞĚ ůŝƐƚƐ ĐĂŶ ďĞ ĨŽƵŶĚ Ăƚ ǁǁǁ͘ŝƌƐ͘ŐŽǀ ŝŶ /Z^ WƵďůŝĐĂƟŽŶƐ ϱϬϮ Θ ϱϬϯ͘ WůĞĂƐĞ ŶŽƚĞ ŝŶƐƵƌĂŶĐĞ ƉƌĞŵŝƵŵƐ ĂƌĞ EKd ĞůŝŐŝďůĞ ĨŽƌ ƌĞŝŵďƵƌƐĞŵĞŶƚ͘

save up to 30% every year by participating in an FSA. 2009 Nielson Consumer Research

DƵůƟƉůĞ DĞƚŚŽĚƐ ĨŽƌ ĐĐŽƵŶƚ DĂŶĂŐĞŵĞŶƚ zŽƵ ŵĂLJ ƵƐĞ ĂŶLJ ŽĨ ƚŚĞ ĨŽůůŽǁŝŶŐ ƐĞůĨͲƐĞƌǀŝĐĞ ŽƉƟŽŶƐ ƚŽ ĂĐĐĞƐƐ LJŽƵƌ &ůĞdž^LJƐƚĞŵ ĂĐĐŽƵŶƚƐ ĂŶĚ d ^ ĂƌĚ ƚƌĂŶƐĂĐƟŽŶƐ͗ ͻ

MyTASC Online͗ www.tasconline.com

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MyCash Manager: ǁŝƚŚŝŶ DLJd ^ Ăƚ ǁǁǁ͘ƚĂƐĐŽŶůŝŶĞ͘ĐŽŵ

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MyTASC Mobile App: free download at www.tasconline.com/mobile

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MyTASC Text Messaging: ĞůĞĐƚ ƚŚƌŽƵŐŚ LJŽƵƌ DLJd ^ ĂĐĐŽƵŶƚ ŽŶůŝŶĞ

Online enrollment and account management.

/ŵƉŽƌƚĂŶƚ ŽŶƐŝĚĞƌĂƟŽŶƐ FSA Funds do not Rollover:

Online tax-savings calculator to help determine how much to contribute.

Convenient pre-tax ƉĂLJƌŽůů ĚĞĚƵĐƟŽŶƐ͘ ĞŶĞĮƚƐ ĚĞďŝƚ ĐĂƌĚ ĨŽƌ eligible purchases.

DŽďŝůĞ ĂƉƉ ĨŽƌ ĂĐĐŽƵŶƚ access on the go.

DƵůƟƉůĞ ƐĞůĨͲƐĞƌǀŝĐĞ ƚŽŽůƐ͘ Fast reimbursements.

/ƚ ŝƐ ŝŵƉŽƌƚĂŶƚ ƚŽ ďĞ ĐŽŶƐĞƌǀĂƟǀĞ ŝŶ ŵĂŬŝŶŐ ĞůĞĐƟŽŶƐ ďĞĐĂƵƐĞ ĂŶLJ ƵŶƵƐĞĚ ĨƵŶĚƐ ůĞŌ ŝŶ LJŽƵƌ &^ Ăƚ ƚŚĞ ĐůŽƐĞ ŽĨ ƚŚĞ WůĂŶ zĞĂƌ ĂƌĞ ŶŽƚ ƌĞĨƵŶĚĂďůĞ ƚŽ LJŽƵ͘ ;dŚĞ ŽŶůLJ ĞdžĐĞƉƟŽŶ ƚŽ ƚŚŝƐ ƌƵůĞ ŝƐ ĨŽƌ ƚŚĞ ,ĞĂůƚŚĐĂƌĞ &^ ǁŚĞƌĞ ĨƵŶĚƐ ŵĂLJ carryover to the next Plan Year’s healthcare FSA (up to $500) when elected by LJŽƵƌ ĞŵƉůŽLJĞƌ͘Ϳ zŽƵ ĂƌĞ ƵƌŐĞĚ ƚŽ ƚĂŬĞ ƉƌĞĐĂƵƟŽŶĂƌLJ ƐƚĞƉƐ͕ ƐƵĐŚ ĂƐ ƚƌĂĐŬŝŶŐ ĂĐĐŽƵŶƚ ďĂůĂŶĐĞƐ ŽŶ ƚŚĞ &ůĞdž^LJƐƚĞŵ ǁĞďƐŝƚĞ ĂŶĚͬŽƌ ƵƐŝŶŐ ƚŚĞ /ŶƚĞƌĂĐƟǀĞ sŽŝĐĞ ZĞƐƉŽŶƐĞ ^LJƐƚĞŵ͕ ƚŽ ĂǀŽŝĚ ŚĂǀŝŶŐ ĨƵŶĚƐ ƌĞŵĂŝŶŝŶŐ ŝŶ LJŽƵƌ ĂĐĐŽƵŶƚ Ăƚ year-end.

ŚĂŶŐŝŶŐ ůĞĐƟŽŶƐ ƵƌŝŶŐ ƚŚĞ WůĂŶ zĞĂƌ͗ zŽƵ ŵĂLJ ĐŚĂŶŐĞ LJŽƵƌ &^ ĞůĞĐƟŽŶƐ ĚƵƌŝŶŐ ƚŚĞ WůĂŶ LJĞĂƌ ŽŶůLJ ŝĨ LJŽƵ ĞdžƉĞƌŝĞŶĐĞ Ă ĐŚĂŶŐĞ ŽĨ ƐƚĂƚƵƐ ƐƵĐŚ ĂƐ͗ ͻ ͻ ͻ

a marriage or divorce ďŝƌƚŚ Žƌ ĂĚŽƉƟŽŶ ŽĨ Ă ĐŚŝůĚ͕ Žƌ a change in employment status

ZĞĨĞƌ ƚŽ ƚŚĞ ŚĂŶŐĞ ŽĨ ůĞĐƟŽŶ &Žƌŵ ;ĂǀĂŝůĂďůĞ ĨƌŽŵ LJŽƵƌ ĞŵƉůŽLJĞƌͿ ĨŽƌ Ă ĐŽŵƉůĞƚĞ ůŝƐƚ ŽĨ ĐŝƌĐƵŵƐƚĂŶĐĞƐ ĂĐĐĞƉƚĂďůĞ ĨŽƌ ĐŚĂŶŐŝŶŐ ĞůĞĐƟŽŶƐ ŵŝĚͲLJĞĂƌ͘

Sign up for FlexSystem and keep more money in your pocket!

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Health Savings Accounts Start saving more on healthcare.

A Health Savings Account (HSA) is an individually-owned, tax‐advantaged account that you can use to pay for current or future IRS‐qualified medical expenses. With an HSA, you’ll have the potential to build more savings for healthcare expenses or additional retirement savings through self-directed investment options¹.

How an HSA works: t t t t

You can contribute to your HSA via online banking transfer, or by sending a personal check to HSA Bank. 7hird parties, such as a spouse or parent, may contribute to your account as well.

You can pay for qualified medical expenses with your Health Benefits Debit Card directly to your medical provider or pay out-of-pocket. You can either choose to reimburse yourself or keep the funds in your HSA to grow your savings.

Unused funds will roll over year to year. After age 65, funds can be withdrawn for any purpose without penalty (subject to ordinary income taxes).

Check balances and account information via HSA Bank’s Member Website or mobile device 24/7.

Are you eligible for an HSA? If you have a qualified High Deductible Health Plan (HDHP) - either through your employer, through your spouse, or one you’ve purchased on your own - chances are you can open an HSA. Additionally: t You cannot be covered by any other non-HSA-compatible health plan, including Medicare Parts A and B. t You cannot be covered by TriCare. t You cannot have accessed your VA medical benefits in the past 90 days (to contribute to an HSA). t You cannot be claimed as a dependent on another person’s tax return (unless it’s your spouse). t You must be covered by the qualified HDHP on the first day of the month.

When you open an account, HSA Bank will request certain information to verify your identity and to process your application.

What are the annual IRS contribution limits?

Contributions made by all parties to an HSA cannot exceed the annual HSA limit set by the Internal Revenue Service (IRS). Anyone can contribute to your HSA, but only the accountholder and employer can receive tax deductions on those contributions. Combined annual contributions for the accountholder, employer, and third parties (i.e., parent, spouse, or anyone else) must not exceed these limits.2

ϮϬϮϮ ŶŶƵĂů ,^ ŽŶƚƌŝďƵƚŝŽŶ >ŝŵŝƚƐ

ϮϬϮϯ ŶŶƵĂů ,^ ŽŶƚƌŝďƵƚŝŽŶ >ŝŵŝƚƐ

/ŶĚŝǀŝĚƵĂů с Ψϯ͕ϲϱϬ &ĂŵŝůLJ с Ψϳ͕ϯϬϬ

/ŶĚŝǀŝĚƵĂů с Ψϯ͕ϴϱϬ &ĂŵŝůLJ с Ψϳ͕ϳϱϬ

According to IRS guidelines, each year you have until the tax filing deadline to contribute to your HSA (typically April 15 of the following year). Online contributions must be submitted by 2:00 p.m., Central Time, the business day before the tax filing deadline. Wire contributions must be received by noon, Central Time, on the tax filing deadline, and contribution forms with checks must be received by the tax filing deadline.

Catch-up Contributions Accountholders who meet these qualifications are eligible to make an HSA catch-up contribution of $1,000: Health Savings accountholder; age 55 or older (regardless of when in the year an accountholder turns 55); not enrolled in Medicare (if an accountholder enrolls in Medicare mid-year, catch-up contributions should be prorated). Authorized signers who are 55 or older must have their own HSA in order to make the catch-up contribution.

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How can you benefit from tax savings?

An HSA provides triple tax savings.3 Here’s how: t t t

Contributions to your HSA can be made with pre-tax dollars and any after-tax contributions that you make to your HSA are tax deductible.

HSA funds earn interest and investment earnings are tax free.

When used for IRS-qualified medical expenses, distributions are free from tax.

IRS-Qualified Medical Expenses You can use your HSA to pay for a wide range of IRS-qualified medical expenses for yourself, your spouse, or tax dependents. An IRSqualified medical expense is defined as an expense that pays for healthcare services, equipment, or medications. Funds used to pay for IRS-qualified medical expenses are always tax-free.

HSA funds can be used to reimburse yourself for past medical expenses if the expense was incurred after your HSA was established.

While you do not need to submit any receipts to HSA Bank, you must save your bills and receipts for tax purposes.

Examples of IRS-Qualified Medical Expenses4: Acupuncture Alcoholism treatment Ambulance services Annual physical examination Artificial limb or prosthesis Birth control pills (by prescription) Chiropractor Childbirth/delivery Convalescent home (for medical treatment only) Crutches Doctor’s fees Dental treatments (including x-rays, braces, dentures, fillings, oral surgery) Dermatologist Diagnostic services Disabled dependent care Drug addiction therapy Fertility enhancement (including in-vitro fertilization) Guide dog (or other service animal)

Gynecologist Hearing aids and batteries Hospital bills Insurance premiums5 Laboratory fees Lactation expenses Lodging (away from home for outpatient care) Nursing home Nursing services Obstetrician Osteopath Oxygen Pregnancy test kit Podiatrist Prescription drugs and medicines (over-the-counter drugs are not IRS-qualified medical expenses unless prescribed by a doctor) Prenatal care & postnatal treatments Psychiatrist

Psychologist Smoking cessation programs Special education tutoring Surgery Telephone or TV equipment to assist the hearing or vision impaired Therapy or counseling Medical transportation expenses Transplants Vaccines Vasectomy Vision care (including eyeglasses, contact lenses, lasik surgery) Weight loss programs (for a specific disease diagnosed by a physician – such as obesity, hypertension, or heart disease) Wheelchairs X-rays

¹ Investment accounts are not FDIC insured, may lose value and are not a deposit or other obligation of, or guarantee by the bank. Investment losses which are replaced are subject to the annual contribution limits of the HSA. 2 HSA funds contributed in excess of these limits are subject to penalty and tax unless the excess and earnings are withdrawn prior to the due date, including any extensions for filing Federal Tax returns. Accountholders should consult with a qualified tax advisor in connection with excess contribution removal. The Internal Revenue Service requires HSA Bank to report withdrawals that are considered refunds of excess contributions. In order for the withdrawal to be accurately reported, accountholders may not withdraw the excess directly. Instead, an excess contribution refund must be requested from HSA Bank and an Excess Contribution Removal Form completed.

3 Federal Tax savings are available no matter where you live and HSAs are taxable in AL, CA, and NJ. HSA Bank does not provide tax advice. Consult your tax professional for tax‐related questions.

4

This list is not comprehensive. It is provided to you with the understanding that HSA Bank is not engaged in rendering tax advice. The information provided is not intended to be used to avoid Federal tax penalties. For more detailed information, please refer to IRS Publication 502 titled, “Medical and Dental Expenses”. Publications can be ordered directly from the IRS by calling 1-800-TAXFORM. If tax advice is required, you should seek the services of a professional.

5

Insurance premiums only qualify as an IRS-qualified medical expense: while continuing coverage under COBRA; for qualified long-term care coverage; coverage while receiving unemployment compensation; for any healthcare coverage for those over age 65 including Medicare (except Medicare supplemental coverage).

For assistance, please contact the Client Assistance Center 800-357-6246 Monday – Friday, 7 a.m. – 9 p.m., and Saturday, 9 a.m. - 1 p.m., CT www.hsabank.com | 605 N. 8th Street, Ste. 320, Sheboygan, WI 53081 ©2015 HSA Bank. HSA Bank is a division of Webster Bank, N.A., Member FDIC. | HSA_EE_EV1_0515

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.BSCMF 'BMMT *OEFQFOEFOU 4DIPPM %JTUSJDU 403(b) UNIVERSAL AVAILABILITY 1OTICE The Opportunity.

You have the opportunity to save for retirement by participating in the 0DUEOH )DOOV ,6' s 403(b) plan (“Plan”). We recommend that all employees view a brief, 3-minute video presentation explaining what a 403(b) plan is, and how to contribute.

The video can be reached at www.403bwhyme.com.

If there are any questions, you may contact The OMNI Group at 877-544-6664.

How Can I Participate?

You can participate in the Plan with pre-tax contributions by completing and submitting a Salary Reduction Agreement (“SRA”) online at http://www.omni403b.com/, or by submitting a completed SRA form, which can be found on the same website, to The OMNI Group either by facsimile to (585) 672-6194 or by mail at 1099 Jay St., Bldg F, Rochester, NY, 14611 (“OMNI”).

How Much Can I Contribute Annually?

You may contribute up to $ in this amount is subject to change annually. If you have at least 15 years of service with your employer or you are at least 50 years old, you may also be able to make additional catch-up contributions. For appropriate limits for your particular circumstances, please contact OMNI’s Customer Care Center at 1-877-544-6664.

What If I Already Have An Account?

If you are already contributing to the Plan, and you want to change your contribution amount or service provider, simply complete and submit a new SRA. See directions above for on-line and paper submission options.

What If I Do Not Want To Contribute?

If you do not want to take advantage of this program, simply submit an SRA with the option “I do not wish to participate at this time” selected. See directions above for on-line and paper submission options.

How can I get more information?

You can access further information at www.omni403b.com or www.403bwhyme.com.

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