2024 Benefits Guide - PPS

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2024-25 Employee Benefits Guide

Plan Year: 11/1/2024 - 10/31/2025

Table of Contents Introduction to your Benefits

3 4 5 9

Eligibility and Enrollment

Medical Coverage

Health Savings Account (HSA)

PPO Plan Summaries

HMO & EPO Plan Summaries

Dental Coverage Vision Coverage

12 14 15 16 17 18 19

Basic Life & Supplemental Term Life Insurance

Disability Insurance

Flexible Spending Account (FSA) - Health FSA Dependent Care Flexible Spending Account (DCFSA)

Employee Assistance Program (EAP)

Account Management Team

Cost of Coverage Annual Notices

22 23

Directory & Resources

2 Benefits Guide 2024-25

Introduction to Your Benefits

We are pleased to provide you with our Employee Benefits Guide. At Pacific Personnel Services, we are committed to providing you and your eligible dependents with a comprehensive benefits package that will meet your evolving needs. With respect to our employee benefits, our goal is to implement options, programs and resources which align with your personal health care, well-being and financial objectives. We also aim to: • Offer cost-effective coverage • Provide meaningful programs and plan designs • Maintain quality health care options • Remain competitive with our benefits package This year we are proud to offer a range of benefits to our employees. The Employee Benefits Guide can assist you in understanding your choices of coverage and resources available to you. We have included an overview of each option, along with plan summaries and cost comparisons. We recognize that benefit selections are a personal decision and that health care costs have continued to rise on a national level. With these factors in mind, we have made every effort to design a benefits package that fits your lifestyle and rewards your contribution to our company’s success. We encourage you to spend time reviewing the enclosed information in order to learn more about the benefits we are offering and appropriately select options that best suit you.

Benefits Guide 2024-25 3

Eligibility and Enrollment

Open Enrollment Process This enrollment process is 100% electronic. All product brochures, required forms and notices are included in the on-

line enrollment portal: pps.bswift.com Changes During the Year

Y ou are permitted to make changes to your benefits outside of the Open Enrollment period if you have a qualified change in status as defined by the IRS. Generally, depending on the type of event, you may add or remove dependents from your benefits, as well as add, drop or change coverage if you submit your request for change within 30 days of the date of the event.

Who Can Enroll All regular, full-time, active employees working 30 or more hours per week are eligible to participate in the benefits program. Eligible employees may also choose to enroll their dependent(s). Dependents are considered eligible if they are: • A spouse or registered domestic partner. You may be Registered with the State or Unregistered, and a signed Affidavit must remain on file with Human Resources • You or your spouse’s/registered domestic partner’s children, stepchildren, adopted children or foster children up to age 26 • You or your spouse’s/registered domestic partner’s children of any age if they are incapable of self-support due to a physical or mental disability When Coverage Begins Once enrolled, your enrollment choices remain in effect for the benefits plan year, November 1st through October 31st. Benefits for eligible new hires start on the first of the month following your date of hire.

Examples of qualified life events include: • Marriage, divorce or legal separation • Birth or adoption of a child • Death of a dependent

• You or your spouse/registered domestic partner lose or gain coverage through our organization or another employer • Change in residence affecting eligibility or access • Loss of eligibility due to Medicaid, Medicare or state health insurance programs For a complete list of qualified status changes, contact HR. Paying for Coverage We strive to provide you with a valuable benefits package at a reasonable cost. Based on your benefit selections and cover- age level, you may be required to pay for a portion of the cost. Want To Enroll On Your Phone?

Download the mobile app for our online enrollment system by scanning the QR code.

4 Benefits Guide 2024-25

Medical Coverage

Using an EPO Plan An Exclusive Provider Organization (EPO) is a health insurance plan that only allows you to get health care services from doctors, hospitals, and other care providers who are within a certain network. Your insurance will not cover any costs you get from going to someone outside of that network. The only exception is that emergency care is usually covered. • EPO plans only cover the cost at doctors or health provid- ers that are within your network • Emergency care is covered, even if it’s out of your network • You do not need a referral if you want to see a specialist with EPO insurance • An EPO is a hybrid between an HMO and PPO plan Using a PPO Plan A Preferred Provider Organization allows you to see physicians both in network and out of network. You will pay a different coinsurance to see doctors and/or hospitals outside of the network. • You do not need to select a PCP, nor do your dependents • Be sure to ask your physician/hospital if they are “in- network” to take advantage of the lower coinsurance • You do not need a referral to see a specialist. You may see any physician in network or a physician who agrees to bill out of network • Services may require a copay up front • If your physician does not bill the carrier directly, you may submit claim forms for reimbursement if services are medically necessary

Whether you have a common cold or will be undergoing surgery, medical benefits cover a range of services and can provide peace of mind to help you offset health care costs. Your Medical Plan Options The medical options available through Pacific Personnel Services are from Anthem Blue Cross. To help guide your plan selection, the following pages include details concerning how the plans will operate, as well as plan highlights and features. For your reference, an illustration of rates is listed in The Cost A Health Maintenance Organization (HMO) plan requires you and enrolled dependents to select a Primary Care Physician (PCP) who will direct the majority of your health care needs. Generally, an HMO operates as follows: • With an HMO you must select a PCP from within network • You and your enrolled dependent(s) are not required to see the same PCP, and you may change your PCP at any time of Coverage section of the guide. Using an HMO Plan • With the exception of an OB/GYN specialist who is affiliated with your selected medical group, you must receive a referral from your PCP before receiving services from a specialist • Any services rendered out-of-network without the proper referral from your PCP will not be covered. • Services may require a copay up front • You do not have to submit claim forms to your insurance company

Benefits Guide 2024-25 5

Medical Coverage Continued...

Using Prescription Drug Coverage Many FDA-approved prescription medications are covered through the benefits program. Regardless of the plan you have, you will save money by filling prescription requests at participating pharmacies. Additional important information regarding your prescription drug coverage is outlined below: • Anthem has drug formularies, or lists of prescription drugs including both generic and brand-name medications, with an applicable co-pay for each. If you obtain a medication that is not of the formulary list, you will pay the highest co-pay • Generic drugs are required by the FDA to contain the same active ingredients as their brand-name counterparts • A brand-name medication is protected by a patent and can only be produced by one specified manufacturer • Although you may be prescribed non-formulary prescriptions, these types of drugs are not on the insurance company’s preferred formulary list • Specialty medications most often treat chronic or complex conditions and may require special storage or close monitoring For a current version of the prescriptions drugs lists, visit the carrier’s website. A directory is included at the end of this benefit guide. The summary charts listed on the following pages contain plan coverage information. Prescription Tips Watching Your Wallet? Where can I find more Preferred Drug List information? You and your doctor can search for a drug, find out if it’s covered and see what tier it falls under. You can also see if there are alternatives that cost less. Make sure your doctor knows that you pay more for tier 3 drugs. He or she can consider this before writing a prescription. Please refer to www.anthem.com/ca for additional information on mail order service for lower co-pays on all prescriptions. Selecting a Plan that is Right for You As you evaluate your health plan options and insurance needs, consider the following factors: • CHOICE: If you prefer to obtain services from specific physicians, specialists or facilities, check to see if the medical plan option will cover services from those providers. While some health plans restrict your provider selection, others provide greater flexibility and choice • COVERAGE: Whether routine, surgical, prescription or another type of coverage, determine if the plan covers the services and medical treatments you value most. Plan exclusions, restrictions and limitations may also guide your selection process which are detailed in the Plan Summaries • COST: Cost may be a large determining factor in your selection and each plan may contain a variety of cost components. Consider the amount of your payroll deduction, as well as other plan expenses such as deductibles, co-payments or coinsurance

6 Benefits Guide 2024-25

Medical Coverage Continued...

Improve Your Health and Well-Being https://www.anthem.com/member-re- sources/wellness-programs At Anthem, you can take advantage of programs, online tools, benefits, and discounts that can enhance your well-being. Register once you are a member at www.anthem.com/ca and check out how much you can save. Here are some of the special offers: Anthem Fitness Programs* Most Anthem plans offer fitness programs to help members like you achieve their goals and improve their quality of life. Please note: Certain services, programs, and offerings may vary, or may not be available, depending on your plan or state. Log in to explore your plan details. Gym Reimbursement You can get money back when you meet the minimum number of gym visits. Qualifying fitness centers are in the U.S. and offer regular programs like cardio, flexibility, and weight-training. Log in to discover the detail about gym reimbursement. Action Plans Want to lose weight, learn how to sleep better, or reduce stress levels? Pick your plan, follow the steps, and earn badges

Save Money With Discounts At Anthem As an Anthem member, you qualify for discounts on fitness and wellness products that promote better health through our SpecialOffers program.* Vision, Hearing, And Dental Save money on glasses, LASIK surgery, hearing aids, and dental aligners. Fitness And Health Enjoy discounts on gym memberships, weight loss, wearable health devices, physical therapy, podiatry, and more. Family And Home Save on health and ancestry DNA testing services, infertility treatment, health and wellness products, and pet insurance. Medicine And Treatment Receive discounts on health and wellness coaching programs, vitamins, and allergy products. Log in to find discounts available to you.

*All discounts are subject to change without notice.

to reach new levels of wellness. Log in to explore our action plans. SilverSneakers®

The SilverSneakers fitness program, offered to seniors, helps promote your overall well-being. Anthem Medicare Supplement plans, and most Medicare Advantage (Part C) plans, include a SilverSneakers membership. Learn more about Silver-Sneakers.

Benefits Guide 2024-25 7

Medical Coverage Continued... OTHER ANTHEM PROGRAMS - WWW.ANTHEM.COM/GETTING-BETTER-CARE/ If you have personal wellness goals like managing your weight, staying fit, or eating better, we have lifestyle programs to help keep you healthy and motivated. And if you’re managing a specific health concern, like diabetes or depression, Anthem has support programs that match you with a specialist to work with you and your doctor. They’ll help give you strategies and tools for improving your health or managing your chronic condition. Check out these programs for Anthem members, and take advantage of these resources designed just for you.

Health Info On The Go Sydney Health makes it easy to find doctors near you, get important information about benefits and claims, track your progress toward health goals and more. You can even get your member ID card right from Sydney. Download the Sydney Health app today in the Google Play or Apple App Store!. App features include: • Find what you need — with one-click access to benefits info, Member Services and wellness resources. And, you can use the interactive chat to get answers quickly • Personalized Match helps you find a doctor in your plan who’s right for you. You’ll get results that fit your unique needs, preferences and health plan • My Health Dashboard is your hub for personalized health and wellness. Find programs that interest you, build an action plan to help you meet your health goals, sync your fitness tracker and earn points for your progress

How To Find A Provider Use the doctor and location search tool at www.anthem.com/ ca/find-doctor . Anthem gives you the option to choose your PCP from the many doctors who work with them. Each family member can have a different doctor, or you can choose one to take care of the whole family. You can also call Anthem directly at 855-333- 5735 for assistance. • Search as a Guest • Search by Selecting a Plan or Network • Under Find a Doctor: • What type of care are you searching for? Medical • What state do you want to search in? • Select a plan/network • Either HMO: Blue Cross HMO (CACARE) - Large Group • PPO: Blue Cross PPO (Prudent Buyer) - Large Group • Click CONTINUE • Under I’M LOOKING FOR A – Select a type of Doctor/ Medical Professional • Under WHO SPECIALIZES IN - Select a specialty • Under LOCATION NEAR – Enter zip code or City and State • Under WHOSE NAME IS (OPTIONAL) – enter a doctor name or medical group name • Under WHO IS (OPTIONAL) , click on Able to Serve as a Primary Care Physician (PCP) if searching for a PCP • Click SEARCH • On the Results page you can Click on the desired doctor name or medical group name • Primary Medical Group/Primary Care Physician code is located under PCP ID/ENROLLMENT ID (PAPER/ONLINE) . Code is either a 3 or 6 digit code. You will need the PCP ID number and Physician’s last name when you enroll

8 Benefits Guide 2024-25

Health Savings Account - (HSA) Health Savings Account Why should I choose a health savings account (HSA)? An HSA is a benefit that allows you to choose how much of your paycheck you’d like to set aside, before taxes are taken out, for healthcare expenses or use as a retirement savings tool. This plan offers tax savings that a 401(k) and IRA don’t, making it a powerful option for diversifying your retirement portfolio. An HSA is a benefit that allows you to choose how much of your paycheck you’d like to set aside, before taxes are taken out, for healthcare expenses or use as a retirement savings tool. This plan offers tax savings that a 401(k) and IRA don’t, making it a powerful option for diversifying your retirement portfolio. Health Savings Account Why should I choose a health savings account (HSA)?

Can I enroll? You must be enrolled in a high-deductible health plan (HDHP) in order to enroll in the HSA. You’re not eligible for an HSA if: • You’re claimed as a dependent on someone else’s taxes. • You’re covered by another plan that conflicts with the HDHP, such as Medicare, a medical flexible spending account (FSA) or select health reimbursement arrangements (HRAs). • You or your spouse are contributing to a medical FSA. Can I enroll? You must be enrolled in a high-deductible health plan (HDHP) in order to enroll in the HSA. You’re not eligible for an HSA if: • You’re claimed as a dependent on someone else’s taxes. • You’re covered by another plan that conflicts with the HDHP, such as Medicare, a medical flexible spending account (FSA) or select health reimbursement arrangements (HRAs). • You or your spouse are contributing to a medical FSA. Investment options You can invest your HSA funds in an interest-bearing account or our standard mutual fund lineup. Savvy investors may opt for a Health Savings Brokerage Account powered by Charles Schwab, giving you access to more than 8,500 mutual funds, stocks and bonds. Investment options You can invest your HSA funds in an interest-bearing account or our standard mutual fund lineup. Savvy investors may opt for a Health Savings Brokerage Account powered by Charles Schwab, giving you access to more than 8,500 mutual funds, stocks and bonds. It’s yours Think of your HSA as a personal savings account. Any unspent money in your HSA remains yours, allowing you to grow your balance over time. When you reach age 65, you can withdraw money (without penalty) and use it for anything, including non-healthcare expenses. Flexibility Save for a rainy day. Invest for your future retirement. Or spend your funds on qualified expenses, penalty free. Flexibility Save for a rainy day. Invest for your future retirement. Or spend your funds on qualified expenses, penalty free. Easy to use Swipe your benefits debit card at the point of purchase. There is no requirement to verify any of your purchases. We recommend keeping any receipts in case of an IRS audit. Smart savings The HSA’s unique, triple-tax savings means the money you contribute, earnings from investments and withdrawals for eligible expenses are all tax-free, making it a savvy savings and retirement tool. Smart savings The HSA’s unique, triple-tax savings means the money you contribute, earnings from investments and withdrawals for eligible expenses are all tax-free, making it a savvy savings and retirement tool. It’s yours Think of your HSA as a personal savings account. Any unspent money in your HSA remains yours, allowing you to grow your balance over time. When you reach age 65, you can withdraw money (without penalty) and use it for anything, including non-healthcare expenses. Easy to use Swipe your benefits debit card at the point of purchase. There is no requirement to verify any of your purchases. We recommend keeping any receipts in case of an IRS audit.

What does it cover? There are thousands of eligible items. The list includes but is not limited to: • Copays, coinsurance, insurance premiums • Doctor visits and surgeries • Over-the-counter medications (first aid, allergy, asthma, cold/flu, heartburn, etc.) • Prescription drugs • Birthing and lamaze classes • Dental and orthodontia • Vision expenses, such as frames, contacts, View our searchable list of eligible expenses at www.wexinc.com/insights/ benefits-toolkit/eligible- expenses/ • Dental and orthodontia • Vision expenses, such as frames, contacts, prescription sunglasses, etc. What does it cover? There are thousands of eligible items. The list includes but is not limited to: • Copays, coinsurance, insurance premiums • Doctor visits and surgeries • Over-the-counter medications (first aid, allergy, asthma, cold/flu, heartburn, etc.) • Prescription drugs • Birthing and lamaze classes prescription sunglasses, etc. View our searchable list of eligible expenses at www.wexinc.com/insights/ benefits-toolkit/eligible- expenses/

My HSA Planner My HSA Planner

Why should I get a HSA (video) Why should I get a HSA (video)

What Are The HSA Contribution Limits? The IRS announced that 2025 HSA contribution limits will increase to $4,300 for self-only HSAs and to $8,550 for family HSAs. Additional details are available online in the Employee Navigator enrollment system. HSA participants who are 55 years of age or older can contribute an extra $1,000 annually. That means these HSA participants eligible for catch-up contributions have 2025 limits of $5,300 for self-only and $9,550 for family coverage. Does The Company Make A Contribution Into My HSA? Yes! If you enroll in an HSA plan, the company will contribute $50 per paycheck throughout the year, up to $1,200 annually! W013C WEXH_689150_DG_7.25.2022 W013C WEXH_689150_DG_7.25.2022

Benefits Guide 2024-25 9

PPO Plan Summaries

Base Plan (All States) Premium Plan (All States) HSA - Prudent Buyer PPO Classic - Prudent Buyer PPO In-network Coverage Shown (Out-of-Network options apply)

Plan Highlights

Annual Calendar Year Deductible Individual / Family Maximum Calendar Year Out-of-Pocket Individual / Family

$4,000 / $8,000

$1,500 / $4,500

$7,000 / $14,000

$5,000 / $10,000

Professional Services

Primary Care Physician (PCP) Office Visit

20% coinsurance after ded. 20% coinsurance after ded.

$40 copay per visit $60 copay per visit

Specialist Office Visits Preventative Care Exam

No charge No charge

Well-baby Care

Diagnostic Lab and X-Ray

20% coinsurance after ded. 20% coinsurance after ded. 20% coinsurance after ded.

Complex Diagnostics (MRI / CT Scan) Rehab Services (Physical, Occupational & Speech) Office Visit Acupuncture & Chiro via ASH ( 20 combined visits/benefit period) Acupuncture & Chiro via the Medical Group ( 20 visits/benefit period)

20% coinsurance after ded.

$40 copay per visit

20% coinsurance after ded.

$40 copay per visit

Hospital Services

Inpatient Services Outpatient Surgery

20% coinsurance after ded. 20% coinsurance after ded. 20% coinsurance after ded. 20% coinsurance after ded. 20% coinsurance after ded.

20% coinsurance after ded. 20% coinsurance after ded. 20% coinsurance after ded. $150 after ded. then 20%

Ambulance

Emergency Room

Urgent care

$40 copay per visit

Maternity Care

Physician Services Hospital Services

20% coinsurance after ded. 20% coinsurance after ded.

Mental Health/Substance Abuse Services Inpatient

20% coinsurance after ded. 20% coinsurance after ded.

Outpatient Therapy

Recovery Services

Home health care - (100 visits per year)

20% coinsurance after ded. 20% coinsurance after ded. 20% coinsurance after ded.

Rehabilitation services

Skilled nursing care - (100 days per benefit period)

Prescription Drugs (30 day supply) Generic drugs - (Tier 1a / 1b) Preferred brand drugs - (Tier 2)

$5 / $15 copay after ded. $40 copay after deductible $60 copay after deductible 30% up to $250 after ded.

$5 / $20 copay

$30 copay $50 copay

Non-preferred brand drugs - (Tier 3)

Specialty drugs - (Tier 4)

30% coinsurance up to $250

10 Benefits Guide 2024-25

HMO & EPO Plan Summaries

Base Plan (CA Only)

Base Plan (Non-CA Only)

Standard Plan (CA Only) Classic HMO California Care

Elements Choice HMO CA Care

Plan Highlights

Anthem EPO

In-network Coverage Only

Annual Calendar Year Deductible Individual / Family Maximum Calendar Year Out-of-Pocket Individual / Family

$1,500 per member

$3,000 / $6,000

None

$6,400 / $12,800

$7,350 / $14,700

$2,500 / $5,000

Professional Services

Primary Care Physician (PCP) Office Visit

$25 copay per visit $50 copay per visit

$40 copay per visit $60 copay per visit

Specialist Office Visits Preventative Care Exam

No charge No charge No charge

No charge No charge

No charge No charge No charge

Well-baby Care

Diagnostic Lab and X-Ray

20% after deductible 20% after deductible 20% after deductible

$100 copay per visit $25 copay per visit

$100 copay per test $40 copay per visit

$15 copay per visit

$25 copay per visit

$15 copay per visit

$25 copay per visit

$40 copay per visit

Hospital Services

Inpatient Services Outpatient Surgery

30% after deductible 30% after deductible $100 copay per trip

20% after deductible $750 copay per admit

20% after deductible 20% after deductible $150 copay per visit and 20% after deductible

$375 copay per visit $100 copay per trip $125 copay per visit

Ambulance

Emergency Room

$250 copay per visit and 30% after deductible

Urgent care

$25 copay per visit

$40 copay per visit

Maternity Care

Physician Services Hospital Services

$25 copay per visit 30% after deductible

$25 copay per visit

$40 copay per visit

20% after deductible $750 copay per admit

Mental Health/Substance Abuse Services Inpatient

30% after deductible $25 copay per visit

20% after deductible $750 copay per admit

Outpatient Therapy

$25 copay per visit

$40 copay per visit

Recovery Services

Home health care - (100 visits per year)

$25 copay per visit $25 copay per visit 30% after deductible

20% after deductible 20% after deductible 20% after deductible

$40 copay per visit $40 copay per visit

Rehabilitation services

Skilled nursing care - (100 days per benefit period)

No charge

Prescription Drugs (30 day supply) Generic drugs - (Tier 1a / 1b) Preferred brand drugs - (Tier 2)

$5 / $15 copay

$5 copay $20 copay $40 copay $60 copay

$5/ $15 copay

$40 copay $60 copay

Non-preferred brand drugs - (Tier 3)

Specialty drugs - (Tier 4)

30% up to $250 copay

Benefits Guide 2024-25 11

Dental Coverage

Dental benefits are another important element of your overall health. With proper care, your teeth can and should last a lifetime. Your Dental Plan Options You and your eligible dependents have the opportunity to enroll in either of the two Dental Preferred Provider Organization (PPO) plan offered through Anthem. Using The Dental PPO Plan The Dental PPO plan is designed to give you the freedom to receive dental care from any licensed dentist of your choice. Keep in mind, you’ll receive the highest level of benefit from the plan if you select an in-network PPO dentist who has agreed to provide services at the negotiated rate. How To Find your Provider At www.anthem.com/find-doctor/, after you register, you can find a dentist near a city or zip code close to you. Tips For A Healthy Mouth

• Use a soft-bristled toothbrush • Choose toothpaste with fluoride • Brush for at least two minutes twice a day • Floss daily • Watch for signs of periodontal disease such as red, swollen, or tender gums • Visit a dentist regularly for exams and cleanings

12 Benefits Guide 2024-25

Dental Coverage Continued...

DPPO Low

DPPO High

Plan Highlights

Out of Network

In Network

Annual Calendar Year Deductible Individual / Family

$50 / $150

$75 / $225

$50 / $150

$75 / $225

Calendar Year Maximum

$1,000 per member

$1,500 per member

Preventive & Diagnostic Services • Oral Examinations (2 per 12 months) • X-rays • Cleanings • Topical Fluoride Treatment (through age 18, one per 12 months) • Sealants (through age 18, one per 60 months) Basic Services • Anesthesia • Amalgam & Composite Fillings • Perio Surgery • Periodontal Maintenance • Repair & Maintenance of Crowns, Bridges, & Dentures • Root Canal • Periodontal Scaling • Root Planning • Oral Surgery - simple extractions

Plan pays 100%; no deductible

Plan reimburses 100% of 90th percentile* fee

Plan pays 100%; no deductible

Plan reimburses 100% of 90th percentile* fee

Plan pays 80%; after deductible

Plan reimburses 80% of 90th percentile* fee after deductible

Plan pays 80%; after deductible

Plan reimburses 80% of 90th percentile* fee after deductible

Major Services • Bridgework • Dentures • Inlays & Onlays • Crowns

Plan pays 30%; after deductible

Plan reimburses 30% of 90th percentile* fee after deductible

Plan pays 50%; after deductible

Plan reimburses 50% of 90th percentile* fee after deductible Children Only

Not Covered

Children Only

Orthodontia

50% up to $1,000 50% up to $1,000

• Lifetime Maximum

(Children up to age 26)

* Since, by definition, many dentists’ usual fees are below the 90th percentile fee, reimbursement is always based on the lesser of the dentist’s billed fee for a given procedure or the 90th percentile fee. This means that 90 percent of dentists’ billed fees will be covered in full relative to the group plan ** The reimbursement for services provided by an out-of-network dentist is capped at the Maximum Allowable Charge (MAC). For example, if you visit an out-of-network dentist who charges $150 for a cleaning (covered at 100%), but the MAC is set at $100, insurance will cover $100 and you will be responsible for the remaining $50 coinsurance level.

The above information is a summary only. Please refer to your Evidence of Coverage for complete details of Plan benefits, limitations and exclusions.

Benefits Guide 2024-25 13

Vision Coverage

By practicing healthy eye habits, you and your family members can work towards preserving your vision for the long haul. Two Vision PPO plans are available through Anthem. As with a traditional PPO, you may take advantage of the highest level of benefit by receiving services from in-network vision providers and doctors. You may choose from many private practice doctors, local optical stores, and national retail stores including LensCrafters®, Target Optical®, Sears Optical® and JCPenney® Optical. You may also use your in-network benefits to order eyewear online at Glasses.com and ContactsDirect.com. To locate a participating network eye care doctor or location, log in at www.anthem.com/ca, or from the home page menu under Care, select Find a Doctor. You may also call member services for assistance at 1-866-723-0515. If you choose to, you may instead receive covered benefits outside of the Blue View Vision network . Just pay in full at the time of service, obtain an itemized receipt, and file a claim for reimbursement up to your maximum out-of-network allowance.

Blue View Low Plan In-Network (1 per 12 months) $10 copay (1 per 12 months) $10 copay (1 per 12 months)

Blue View High Plan In-Network (1 per 12 months) $10 copay (1 per 12 months) $10 copay (1 per 12 months)

Plan Highlights

Out-of-Network

(1 per 12 months) Up to $49

Annual Eye Exam Copay

Lenses ( Single Vision, Lined Bifocal, or Lined Trifocal) Contacts (in lieu of frame and lenses)

(1 per 12 months) Up to $35, $49, or $74

(1 per 12 months)

Conventional (non-disposable)

$130 allowance 15% off any remaining balance

$130 allowance 15% off any remaining balance.

Up to $92

Disposable

Up to $92

$130 allowance

Medically Necessary

100% covered after copay 100% covered after copay

Up to $250

(1 per 24 months) $130 allowance; 20% off any amount over allowance

(1 per 12 months) $130 allowance; 20% off any amount over allowance

(1 per 24 months Low Plan) (1 per 12 months High Plan) Up to $50

Frames

Retinal Imaging

Not more than $39

No discount

Additional Savings through Anthem Savings on items like additional eyewear after your benefits have been used, non- prescription sunglasses, hearing aids and even LASIK laser vision correction surgery are available through a variety of vendors. Log in at www.anthem.com/ca, select discounts, then Vision, Hearing & Dental. The above information is a summary only. Please refer to your Evidence of Coverage for complete details of benefits, limitations and exclusions.

14 Benefits Guide 2024-25

Basic Life Insurance

Basic Life Insurance/AD&D - Company Paid! Pacific Personnel Services provides associates with a Basic Life Insurance policy in the amount of $25,000, through Unum , if you enroll in a medical plan , at no cost to you! This policy includes the same amount of Accidental Death & Dismemberment (AD&D) coverage. AD&D insurance can pay a benefit if you survive an accident but have certain serious injuries. It can also pay an additional amount if you die from a covered accident. This policy has the following benefit: • A “Living” Benefit: If you are diagnosed with a terminal illness with less than 12 months to live, you can request 75% of your life insurance benefit while you are still living. This amount will be taken out of the death benefit and may be taxable. Select Your Beneficiary • You can change your beneficiary designation at any time. • You may designate a sole or multiple beneficiaries to receive payment in the amount you specify. • Minor children: If the named beneficiary is a minor, the benefit is put ‘On Hold’ for Age of Majority (age 18) or until Guardianship/Conservatorship Paperwork is received. Benefits may be paid if the benefit is under $10,000.

Benefits Guide 2024-25 15

Disability Insurance

Short-Term & Long-Term Disability - Company Paid! If you enroll in a medical plan , the company will provide you with both Short and Long-Term disability, at no cost to you! Short-term disability is intended to protect your income in case you become ill or injured. Long-term disability is intended to protect your income after you have depleted short-term disability or any sick leave your company may offer. Unum STD Benefits - California Employees Weekly Benefit Percentage 20% of weekly salary up to $1,000 per week (Non-integrated with CA SDI ) Elimination Period (Accident/Illness) 7 days. Benefits begin on 8th day Maximum Benefit Duration 12 weeks Pre-Existing Condition None

Unum STD Benefits - Non-CA Employees Weekly Benefit Percentage

60% of weekly salary up to $1,000 per week

Elimination Period (Accident/Illness)

7 days. Benefits begin on 8th

Maximum Benefit Duration

12 weeks

Pre-Existing Condition

None

Unum LTD Benefits - All Employees Monthly Benefit

60% of monthly salary

Maximum Benefit

$3,000

Maximum Benefit Duration Own Occupation Period

Social Security Normal Retirement Age

24 Months

Elimination Period

90 Days

Pre-Existing Condition

You may not be eligible for benefits if you have received treatment for a condition within 3 months prior to your effective date under this policy until you have been covered under the policy for 12 months. If you die while you’ve been disabled and receiving benefits for at least 180 days, your family could get a benefit equal to 3 months of your gross disability payment.

Survivor Benefit

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Flexible Spending Account (FSA) - Health FSA A Health Flexible Spending Account (FSA) is a great cost savings tool that can help with common medical, dental, or vision expenses. You elect a portion of your salary to be deducted, on a pre-tax basis, from each paycheck to use for reimbursements of qualified out-of-pocket expenses throughout the plan year. How a Health FSA Works If you chose to enroll in the HSA qualified Medical Plan, you cannot enroll in the Health FSA due to IRS tax laws.

Using your Smartphone or Mobile Device Manage your FSA anywhere. Sign in to capture receipts, pay bills, search for qualified medical expenses and more.

A Health FSA may be used for the reimbursement of eligible medical, dental, or vision expenses for you, your spouse or dependents (as defined by Federal tax law), up to the amount you elect to contribute to the FSA for the year. The annual minimum contribution is $100 and the 2024-25 maximum annual contribution is $3,300. Due to the use or lose rule; it is important for you to carefully estimate your out-of-pocket expenses for the upcoming plan year. Any amount remaining after the end of the plan year (October 31, 2025) and grace period, will be forfeited. How Your Card Works For easy access to your FSA funds, you can swipe your WEX debit card and avoid out-of-pocket costs. If you use your card at a provider with an Inventory Information Approval System (IIAS), the expense will automatically be approved at the point of sale. If the card is swiped at a merchant that meets the IRS’ 90% rule, you may need to provide documentation to show the expense is eligible. Go to https://customer.wexinc.com/login/ benefits-login/ to create your account and begin. Search Eligible Items Online - FSA Store FSAstore.com is everything flex spending with zero guesswork. It’s both the largest online marketplace for guaranteed FSA eligible products and an educational resource that you can actually understand. It’s the company’s mission to help millions of flexible spending account holders manage and use their FSAs and save on more than 4,000 health items using tax-free health money. Note: Although WEX accepts FSA cards, and most card purchases should auto-approve without you needing to submit further paperwork, your FSA administrator might require a receipt for your purchase to substantiate the claim. Check out the Learning Center for more FSA eligible tips and resources!

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Dependent Care Flexible Spending Account (DCFSA)

Ineligible Expenses • Costs claimed as a dependent care tax credit on your tax return • Services provided by one of your dependents • Expenses for nighttime baby-sitting • Your own dependents, under age 19, baby-sitting • Expenses paid for school (Kindergarten and above) Accessing Your Account Access your online account from our website at https:// customer.wexinc.com/login/benefits-login/. You can submit expenses online, through the toll-free fax, via email or by mail. Your money will be directly deposited into your checking or savings account, or you can receive a check in the mail. Recurring Dependent Care Reimbursement You can eliminate the need to submit substantiation throughout the year for dependent care expenses by enrolling in Recurring Dependent Care. This process only requires you to submit one form per year for each day care provider used during the year. If your cost of dependent care per month is less than your monthly payroll deduction or you have currently contributed more to your plan than you have incurred in expenses, you do not qualify for Recurring Dependent Care and you’ll need to file claims as services are incurred. The Recurring Dependent Care Request Form can be found in the consumer portal. This form must be completed by you as the participant and by your day care provider. A separate form must be completed for each day care provider if you use more than one.

A Dependent Care Flexible Spending Account (Dependent FSA) is a great cost savings tool to help with day care expenses for children under 13 or qualifying disabled spouse expenses. You can elect a portion of your salary to be deducted, on a pre- tax basis, from each paycheck to use for reimbursements of qualified out-of-pocket expenses throughout the plan year. How a Dependent Care FSA Works A Dependent Care Account is a simple way to save money on care for your dependents. It allows you to set aside pre-tax dollars to pay for day care expenses. The annual minimum contribution is $100 and the annual IRS limit for this type of account is $5,000. If you are married and file separate returns, you can each elect $2,500 for the calendar year. When choosing how much to set aside for dependent care, please note that any unused funds remaining in your Dependent Care Account at the end of your plan year (October 31, 2025) and grace period will be forfeited. To be eligible for this account, both you and your spouse (if applicable) must work, be looking for work or be full-time students. You may receive reimbursement up to the balance in your account at the time the request is made. Eligible Dependents • Children under age 13 who are claimed as a dependent for tax purposes • Disabled spouse or disabled dependent of any age

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Employee Assistance Program (EAP)

We understand that you and your family members might experience a variety of personal or work-related challenges. Through the EAP, you have access to resources, information and counseling in order to address situations affecting your work-life balance.

Counseling Your EAP is designed to help you lead a happier and more productive life at home and at work. Call for confidential access to a Licensed Professional Counselor* who can help you with: • Stress, depression, anxiety • Relationship issues, divorce • Job stress, work conflicts • Family and parenting problems • Anger, grief and loss • And more Work/Life Specialist You can also reach out to a specialist for help with balancing work and life issues. Just call and one of our Work/Life Specialists can answer your questions and help you find resources in your community. Get 24/7 Support, Advice and Resources • Online/phone support: Unlimited, confidential, 24/7 • In-person: You can get up to 3 visits available at no additional cost to you with a Licensed Professional Counselor. Your counselor may refer you to resources in your community for ongoing support.

Health Advocate A new enhancement to your Health Advocate EAP+Work/ Life Program, provided at no cost to you. Now, in addition to licensed professional counseling and a range of work/life services, you can get help with travel planning, party planning, dinner reservations and other time-consuming, distracting tasks. It’s one more way we can help you better balance your work and life.

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Account Management Team

Understanding your employee benefits options can be confusing and complicated. Your Account Manager through Acrisure, and your Human Resources Department, are here to provide answers and information at your fingertips. You’re Not Alone Planning for you and your family’s health and welfare needs can be an overwhelming task. Your Account Manager is your resource for guidance when navigating your benefits plan, from open enrollment to handling life’s many changes. Dedicated Benefits Resource As a company-sponsored benefit, Acrisure gives you unlimited direct access to insurance professionals who are dedicated to knowing our plan options inside and out. Whether you’re a new employee, looking for information on how to continue your coverage or your insurance needs are changing, you’re bound to have questions on your plan options and programs. Just a Call or Click Away Member Support is available Monday through Friday, 8:00 am – 5:00 pm Pacific Time: • Julie Ritenour - Account Manager • Phone: 949-330-1060 • Email: jritenour@acrisure.com • Michelle Healy - Account Coordinator • Phone: 949-334-8999 • Email: mihealy@acrisure.com

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Cost of Coverage

Per Paycheck Cost (Semi- Monthly)

Per Paycheck Cost (Bi-Weekly)

Benefit Plan

Base Plan: PPO HSA - All States Employee Only

Dental Low Plan

$0.00

Employee Only

$0.00 $9.59 $14.68 $24.33 $0.00 $17.26 $19.00 $36.25 $0.00 $3.49 $3.67 $7.16 $0.00 $4.12 $4.33 $8.45

$0.00 $8.85 $13.55 $22.46 $0.00 $15.93 $17.54 $33.46 $0.00 $3.22 $3.38 $6.60 $0.00 $3.80 $3.99 $7.80