Solico,Wesgarde, HMI Benefit Guide 2017

WORLDWIDE TRAVEL ASSISTANCE

Required Annual Employee Disclosure Notices

Experiencing an emergency while traveling can be especially difficult. Knowing who to call for medical problems, currency exchange issues or lost luggage is critical. Take comfort in knowing that Travel Assistance* travels with you worldwide, offering access to a network of professionals who can help you with local medical referrals or provide other emergency assistance services in foreign locations.

ENJOY YOUR TRIP – WE’LL BE THERE IF YOU NEED US Travel Assistance can help you avoid unexpected bumps in the road anywhere in the world. For you, your spouse and dependent children on any single trip, up to 120 days in length, more than 100 miles from home. PRE-TRIP ASSISTANCE** Minimize travel hassles by calling us pre-departure for:  Information regarding passport, visa or other required documentation for foreign travel  Travel, health advisories and inoculation requirements for foreign countries  Domestic and international weather forecasts  Daily foreign currency exchange rates  Consulate and embassy locations IMMEDIATE ATTENTION FOR EMERGENCIES WHILE TRAVELING While traveling more than 100 miles from home you may access Travel Assistance services 24/7 by calling the toll-free number for immediate help from a travel assistance professional. EMERGENCY TRAVEL SUPPORT SERVICES  Telephonic translation and interpreter services – 24/7 access to telephone translation services  Locating legal services – referrals for local attorney or consular offices and help maintain business and family communications until legal counsel is retained (includes coordination of financial assistance for bonds/bail)  Baggage – assistance with lost, stolen or delayed baggage while traveling on a common carrier  Emergency payment and cash – assistance with advance of funds for medical expenses or other travel emergencies by coordinating with your credit card company, bank, employer, or other sources of credit; includes arrangements for emergency cash from a friend, family member, business or credit card  Emergency messages – assistance with recording and retrieving messages between you, your family and/or business associates at any time  Document replacement – coordination of credit card, airline ticket or other documentation replacement  Vehicle return – if evacuation or repatriation is necessary, return your unattended vehicle to the car rental company MEDICAL ASSISTANCE  Locating medical providers and referrals  Communication on your medical status with family, physicians, employer, travel company and consulate  Emergency evacuation if adequate medical facilities are not available, including payment of covered expenses  Transportation home for further treatment – in the event of death, assist in the return of mortal remains  Transportation arrangements for the visit of a family member or friend if your hospitalization is more than seven calendar days  Return home for dependent children if your hospitalization is more than seven calendar days  Assistance with lodging arrangements if convalescence is needed prior to, or after, medical treatment  Coordination with your health insurance carrier during a medical emergency  Assistance obtaining prescription drugs or other necessary personal medical items

IDENTITY THEFT Your Travel Assistance benefit automatically includes Identity Theft Assistance, coordinated at no additional cost. Whether at home or traveling, this benefit provides education, prevention and recovery information to help you protect your identity. EDUCATION AND PREVENTION  Comprehensive ID theft assistance guide  Tips to defend against ID theft RECOVERY INFORMATION  Information regarding the steps to recover from credit card and check fraud  Guidelines if your Social Security number is compromised  Instructions for lost or stolen passport  Contact list for financial institutions, credit bureaus and check companies ASSISTANCE If you need help with an ID theft issue, case managers are available 24 hours a day, seven days a week and can be reached by calling the same toll-free number used to contact AXA: 800-856- 9947. TRAVEL ASSISTANCE PLAN LIMITATIONS AXA will not pay emergency evacuation, medically necessary repatriation, repatriation of remains or other expenses incurred while traveling within 100 miles of participant’s place of residence, or for any one of the following reasons:  A single trip lasts more than 120 days in length  Traveling against the advice of a physician  Traveling for medical treatment  Pregnancy and childbirth (exception: complications of pregnancy) Expenses for emergency evacuation, medically necessary repatriation, repatriation of remains, return of dependent children, family or friend transportation arrangement and vehicle return are limited to $200,000 per person per event. All additional costs would be the responsibility of the member. This includes medical costs which are the responsibility of the person receiving medical services. Services must be authorized and arranged by AXA Assistance USA, Inc. designated personnel to be eligible for this program. No reimbursement claims for out-of-pocket expenses will be accepted.

*Brought to you by Mutual of Omaha. Services provided by AXA Assistance USA (AXA) **Available at any time, not subject to 100 mile travel radius

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