The Standard Benefit Guide

BENEFITS GUIDE

An overview of the wide array of benefits provided by Standard International, to help you enjoy increased well-being and financial security

PREPARED BY BRIO BENEFITS FOR STANDARD INTERNATIONAL – HIGHLINE AND EAST VILLAGE 2022

Table of Contents

INTRODUCTION

Overview of Benefits | Controlling Costs: What You Can Do

ALEX- YOUR VIRTUAL BENEFIT COUNSELOR

ELIGIBILITY

MAKING A CHANGE (after Open Enrollment)

BENEFITS AT A GLANCE

WHAT YOU PAY

WHEN YOU CAN ENROLL

MEDICAL PLAN OPTIONS

TELEMEDICINE

FIND A DOCTOR

MAIL ORDER PHARMACY

HEALTH CARE MANAGEMENT | Resources at Your Fingertips

HEALTH DISCOUNT PROGRAM .

ADDITIONAL BENEFITS | SimplyEngaged ® and Real AppealTM

DENTAL PLAN OPTIONS

VISION PLAN

BASIC LIFE INSURANCE | AD&D

SUPPLEMENTAL LIFE INSURANCE | AD&D

SHORT & LONG TERM DISABILITY

EMPLOYEE ASSISTANCE PROGRAM (EAP)

ADDITIONAL SERVICES

FLEXIBLE SPENDING ACCOUNT(S)

401k RETIREMENT PROGRAM

HEALTH INSURANCE MARKETPLACE

IMPORTANT EMPLOYEE NOTIFICATIONS

BENEFIT PLAN CONTACT INFORMATION

GLOSSARY

Welcome to The Standard Employee Benefits Program!

The Standard cares about its employees and we’re continually making improvements to make The Standard a great place to work. We recognize that The Standards most valuable resource is its employees and that the health and wellness of our employees has a direct impact on the continued success of the Company. We are pleased to announce that our Health and Wellness program is evolving. Wellness is more than just physical health – wellness encompasses career, financial, social and emotional aspects as well. We are focusing on the essentials of wellness and integrating them into our culture. The list below includes a snap shot of the three pillars of wellbeing and the programs that are associated under each pillar. This benefit guide will provide information around the various programs available to you to assist you and or your family in your overall wellbeing.

Social/Emotional Well-Being

Physical Well-Being

Career/Financial Well-Being

• Team Building Activities (Onsite/Off- Site) • Mental Health • Employee Assistance Programs (EAP) • Hotel Discount

Exercise /Gym

•

• FSA • 401k • Financial Coaching • Estate Planning • Parking/Commuter Benefits • Discount Programs

Discount •

Weight Management Programs • Healthy Eating • Nursing Mothers • Tobacco Cessation • Mental Health

Sincerely,

Human Resources

PLEASE NOTE: This overview has been prepared to briefly highlight key features of your plan and is not to replace your insurance contract or booklet. We have compiled information into summary form to answer questions we most commonly receive. Please refer to the insurance carrier’s contracts and booklets for more detailed information and plan limitations. Actual claims paid are subject to the terms and conditions of the individual carrier’s contracts.

Introductio n Meet Alex!

WHO IS ALEX AND HOW CAN IT HELP ME?

We understand that making decisions around benefits is important to all of our employees, but at times can be both difficult and confusing.

To enhance your understanding and to make YOUR benefit experience easier, we are excited to offer ALEX, a virtual benefit counselor. ALEX is an interactive decision making support tool that can help you decide which benefit options are right for YOU! Think of it as your personal guide that helps you make important benefit decisions.

HERE ARE A COUPLE OF IMPORTANT THINGS TO KNOW ABOUT THE ALEX TOOL:

It’s personalized, so you can see which plan makes the most sense for YOU, not your coworkers, or your boss, or even me, your local benefits genius.

It's fun to use. There’s no boring insurance jargon or complicated legal jibber -jabber.

It’s confidential, so you can get the guidance you need without revealing all of your fascinating secrets.

It’s available all year! You can find out information about your benefits at any time and your significant other can use it as well!

*Please be aware that Alex is a support tool and NOT where you make your actual benefit elections

SEE HOW ALEX CAN HELP AT:

http://www.myalex.com/Standard-Hotel/2022

Introductio n Eligibility

FLEXIBLE SOLUTIONS TO MEET YOUR BENEFIT NEEDS

CONTROLLING COST...WHAT YOU CAN DO

We consider our employee benefits program to be one of our most important investments. Because we recognize the value our employees bring to our company, we are committed to providing you with a complete benefits program as part of your total compensation. This guide has been prepared to assist you in making informed decisions regarding your employee benefits. We urge you to read this guide carefully and keep it as a reference. If you are well-informed, you will be better able to make the benefit choices that best meet your needs. When making your choices, you should consider: • The benefits offered • The cost of coverage • Physicians and facilities available • Any ongoing medical needs for you and your family

In light of increasing health care costs, there are steps you can take to manage your out-of-pocket health care expenses. Use the following tips to save time and money:

• Always confirm that your physician, eye doctor, and dentist are still part of the network by calling the customer service number on your ID card or visiting the carrier’s website. • Check your area for urgent care center locations as an alternative to emergency room services. Only visit the emergency room in the case of a true emergency. You can also use telemedicine to help treat a wide range of non-emergency medical conditions. • Use generic prescriptions, if available. Ask your doctor for a generic drug or request the generic equivalent when having your prescription filled. • Save time and money by taking advantage of the mail order prescription service. This service works best for maintenance drugs that you take throughout the year. Mail order is convenient; prescriptions are delivered right to your door.

Please contact your HR Team

with your benefit questions regarding eligibility, materials/forms, plan information and provider network inquiries.

Eligibility

WHO IS ELIGIBLE?

DEPENDENT VERIFICATION

If you are enrolling your spouse, domestic partner or child(ren) to your health insurance, you must submit dependent verification within 31 days of the enrollment date to Human Resources. Failure to provide supporting documentation will result in the removal of your dependent(s) from coverage.

All active full-time employees who work at least 30 average hours per week are eligible for benefits. Your benefits are effective on the 91 st day following your full time hire date. If you do not enroll during this time period, you will not be eligible for benefits until the next Open Enrollment, unless you have a Qualifying Life Event Change. To maintain benefit eligibility, Standard will review your average hours following a six month lookback policy. Employees changing from part-time to full-time status must work 30 average hours per week during the six month measurement period. Benefits will be effective 1st of the month following the sixty (60) day administrative period.

TAXATION of DOMESTIC PARTNER BENEFITS

It is important to note the taxation differential resulting from spouse vs. domestic partner coverage. Team members with domestic partners (non-spouses) are taxed on the employer portion of the benefits provided to the partner (imputed income) and the team member must contribute on an after tax basis for the portion of the benefits for the domestic partner. Team members are advised to speak with the tax expert regarding treatment for their benefits.

To enroll in benefits, complete the universal enrollment form and return the form to Human Resources by your enrollment deadline.

ELIGIBLE DEPENDENTS

Spouse – An individual to whom you are

•

legally married.

• Domestic partner (same or opposite sex) – An individual with whom you are in a relationship with and share a dwelling. Completion and approval of a Domestic Partner Affidavit is required. An affidavit will be provided by Human Resources. Your or your spouse’s child who is under age 26, including a natural child, stepchild, a legally adopted child, a child placed for adoption or a child for whom you or your spouse are the legal guardian. • • An unmarried child, age 26 or older, who is disabled and dependent upon you. Disabled dependent must be covered prior to age 26 to continue benefit.

Making a Change

QUALIFYING LIFE EVENT

If you have a qualifying life event change, you may be able to change your benefits before the next Open Enrollment. You must notify Human Resources within 31 days of the change.

Change in residence if change affects

•

• Marriage, domestic partnership, annulment, legal separation, or divorce.

benefit options.

Medical Child Support Order.

•

Birth, adoption, or child(ren) of a

•

domestic partnership.

Entitlement to Medicare or Medicaid.

•

• Death of spouse, domestic partner, or child.

Reduction in hours.

•

Change in dependent’s eligibility

•

Enrollment in Marketplace/Exchange.

•

status (e.g., turns 26 years old).

• Change in team member employment status by you or your spouse/domestic partner.

Contact Human Resources for a complete explanation of qualifying life event changes.

You must take action within 31 days after your qualifying event date to add, change, or drop coverage. You must submit supporting documentation within 31 days from the date of the event. If your documentation is not submitted within 31 days from the date of the event and/or does not support the change, your request will be denied. Benefits are effective first of the month following the event date. For a birth or adoption, benefits are effective date of event.

Benefits at a Glance

BENEFITS CARRIER / COVERAGE OPTIONS

• United Healthcare Standard POS • United Healthcare Amazing POS • United Healthcare OMG! POS • United Healthcare Standard DMO • United Healthcare Amazing PPO • United Healthcare OMG! PPO

Medical

Dental

Vision

• EyeMed

Basic Life and AD&D

• Symetra

Supplemental Life and AD&D for Employees

• Symetra

Life and AD&D for Spouse / Domestic Partner

• Symetra

Child (ren) Life

• Symetra

Short-Term Disability

• Symetra

Long-Term Disability

• Symetra

EAP

• Symetra

• Discovery Health Reimbursement • Discovery Dependent Care Reimbursement

Flexible Spending Account (FSA)

401(K) Retirement Plan

• Principal Financial Group

Benefits Provided By The Standard

What You Pay

United Healthcare Standard POS

United Healthcare Amazing POS

United Healthcare OMG! POS

Medical

Monthly

Per paycheck

Monthly

Per paycheck

Monthly

Per paycheck

Employee

$103.17

$47.62

$171.11

$78.97 $275.90 $127.34

Employee + Spouse

$387.38 $178.79 $449.66 $207.54 $680.65 $314.15

Employee + Child(ren)

$336.06 $155.10 $390.10 $180.05 $590.51 $272.54

Employee + Family

$537.73 $248.18 $624.19 $288.09 $944.83 $436.08

United Healthcare Standard DMO

United Healthcare Amazing PPO

United Healthcare OMG! PPO

Dental

Monthly

Per paycheck

Monthly

Per paycheck

Monthly

Per paycheck

$6.84 $3.42 $7.32

$12.46 $6.23 $12.03 $25.09 $12.54 $24.23 $37.06 $18.53 $35.78

$23.17 $11.59 $22.38 $48.02 $24.01 $46.38 $68.82 $34.41 $66.47

$14.82 $15.87 $25.37 $27.17 $33.24 $35.60

$27.00 $26.07 $54.36 $52.49 $80.30 $77.53

$50.21 $48.50 $104.04 $100.50 $149.10 $144.02

Employee

$11.71 $5.85 $12.54 $15.34 $7.67 $16.43

Employee + 1 Dependent

Employee + Family

Eyemed Vision Eyemed Vision

Vision

Monthly Monthly

Per paycheck Per paycheck

$5.09 $5.09 $5.09 $9.60 $9.60 $9.60

$2.35 $1.17 $2.35 $4.43 $2.22 $4.43 $4.67 $2.34 $4.67 $6.84 $3.42 $6.84

Employee

Employee + Spouse

$10.12 $10.12 $10.12 $14.83 $14.83 $14.83

Employee + Child(ren) Employee + Child(ren)

Employee + Family

When You Can Enroll When You Can Enroll

ON-GOING BENEFIT ELIGIBILITY

NEW HIRES/ NEWLY ELIGIBLE FOR BENEFITS

When you are first hired or become eligible for benefits (your benefits are effective on the 91 st day following your full time hire date), you have 30 days to enroll for benefits. Your benefits effective date will be communicated to you at that time. If you do not enroll within your enrollment time period, you will not be eligible for benefits until the next Open Enrollment, unless you have a Qualifying Life Event.

To maintain benefit eligibility, you must average thirty (30) or more paid hours per week. Your ongoing measurement period will begin on the first of the month following your benefit effective date. There is a six month look back period to review your paid hours: If you fall below thirty paid hours in the six month look back period, a letter will be sent to your home address communicating your future loss of benefit eligibility. Your benefits will terminate first of the month following the sixty (60) day administration period. Continuation of coverage through COBRA will be available following the end of your active coverage period. However, you may have other options available to you (i.e. spouse’s plan, the Insurance Marketplace, etc.). If you were ineligible for benefits and have now gained benefit eligibility based on the 6 month look back period, a letter will be sent to your home address communicating your gain of benefit eligibility. Your benefits will be effective 1 st of the month following the sixty (60) day administration period. Please see Human Resources for enrollment material.

OPEN ENROLLMENT

During Open Enrollment, you will have the opportunity to enroll or make changes to your benefit elections. You must enroll by the Open Enrollment deadline for your benefits to be effective June 1. Except for a Qualifying Life Event, you will not be able to change your elections until the next year’s Open Enrollment.

Some Americans must have health

insurance or pay a penalty when filing their income tax return. You can obtain insurance from your employer’s plan, spouse’s plan, or the Public Exchange.

Medical Plan Options

How the Plan works • You pay a copay for in-network office visits and a percentage of the cost for all other care until you reach the annual coinsurance maximum. • You must meet a deductible before the plan pays its share of coinsurance. • If you reach the out-of-pocket maximum, the plan pays 100% of any remaining covered expense. • If you seek care from an out-of-network provider, you will pay more out of pocket.

You have three medical plans to choose from. The medical plans provide comprehensive coverage but are different in how they are designed.

You decide which United Healthcare (UHC) Choice Plus POS plan best meets your needs:

UHC Plus Standard POS Plan

•

UHC Choice plus Amazing POS Plan

•

UHC Choice Plus OMG! POS Plan

•

UNITED HEALTHCARE POS PLANS

The United Healthcare POS Plans are “open access” health care plans. You can choose any provider you would like to see in the United Healthcare national network. You have the freedom to chose your physician or specialist without visiting a “primary care physician” for a referral. Your out of pocket cost will be less for in- network care. If you seek care from an out-of-network doctor, you’ll pay a greater percentage of the cost.

Refer to United Healthcare plan documents for a complete description of the plans.

United Healthcare

UNITED HEALTHCARE STANDARD POS

UNITED HEALTHCARE AMAZING POS

UNITED HEALTHCARE OMG! POS

Out of Network

In Network

Calendar Year Deductible (Single/Family)

$2,000/$4,000 $4,000/$8,000 $500/$1,000 $1,000/$2,000 $250/$500 $1,000/$2,000

Calendar Year Out-of-Pocket Maximum (Single/Family)

$5,000/$10,00 0

$10,000/$20,00 0

$3,500/$7,000 $7,000/$14,000 $2,500/$5,000 $5,000/$10,000

Preventive Services

No Charge Not Covered No Charge Not Covered No Charge Not Covered

$40/$50 copay (deductible waived)

$25/$50 copay (deductible waived)

$20/$40 copay (deductible waived)

40%after deductible

20%after deductible

Office Visits (Primary/Specialist)

Telemedicine

$40 copay

$25 copay

$20 copay

X-Ray 40% after deductible, Lab Not covered

X-ray 20% after deductible, Lab Not covered

Lab & X-ray

No Charge

Complex Radiology (includes CT, PET and MRI)

20% after deductible

40% after deductible

20% after deductible

40% after deductible

0% after deductible

20% after deductible

Inpatient Hospital Services (includes Maternity)

20% after deductible

40% after deductible

20% after deductible

40% after deductible

20% after deductible

$500 copay

20% after deductible

40% after deductible 40% after deductible

20% after deductible

40% after deductible 40% after deductible

0% after deductible

20% after deductible 20% after deductible

Outpatient Surgery

Urgent Care

$50 copay

Emergency Room (Co-pay waived if admitted)

20% after deductible

$200 copay per visit

$150 copay

Ambulance

20% after deductible

$200 copay per visit

$150 copay

Calendar Year Drug Deductible

No Deductible

$15/$35/$50 + the Difference in Cost

Retail Prescription (up to a 31-day supply) (tier1/tier2/tier3)

$15/$35/$50

$37.50/$87.50/ $125

Mail-Order Prescription (up to a 90-day supply) (tier1/tier2/tier)

$37.50/$87.50/ $125

Not Covered

Telemedicine

VIRTUAL VISITS Access to care online at anytime

Access virtual visits

Log in to myuhc.com® and choose from provider sites where you can register for a virtual visit. After registering and requesting a visit you will pay your portion of the service costs according to your medical plan, and then you will enter a virtual waiting room. During your visit you will be able to talk to a doctor about your health concerns, symptoms and treatment options.

When you don’t feel well or your child is sick, the last thing you want to do is leave the comfort of home to sit in a waiting room. Now you don’t have to. A virtual visit lets you see and talk to a doctor from your mobile device or computer without an appointment. Most visits take about 10 – 15 minutes and doctors can write a prescription*, if needed, that you can pick up at your local pharmacy.

To learn more, login to myuhc.com®

Regular office copay applies .

*Prescription services may not be available in all states

Conditions commonly treated through a virtual visit

Doctors can diagnose and treat a wide range of non-emergency medical conditions, including:

• Bronchitis • Fever

• Cold/flu • Migraine/ headaches

• Rash • Pink eye

• Sinus problems • Sore Throat

• Stomach Ache/Diarrhea • Bladder infection/ Urinary tract infection

Use virtual visits when:

• Your doctor is not available

• You become ill while traveling

• You are considering visiting a hospital emergency room for a non-emergency health condition

Not good for:

• Anything requiring an exam or test

• Complex or chronic conditions

• Injuries requiring bandaging or sprains/broken bones

Connect to plan details and personalized health information. Whenever you need it. Wherever you are.

HealthSafe IDTM is a new and improved registration process that makes it easier to move across the UHC websites using the same log-in. You can access all of this:

• Benefits and coverage

• Care options, pricing and locations.

• Budget tools.

• Claims tracking and updates.

• Wellness tools.

• Expert personal support.

Simply visit myuhc.com® and click Register Now. You’ll be asked to: Identify yourself.

Enter your name, birthdate, Zip Code, and Member ID or Social Security Number.

Create a username and password.

Returning members Complete this process to access the newly expanded resources at myuhc.com

The website will guide you through password requirements.

Set up account recovery preferences. In case you misplace your username or password.

Agree to Terms of Use and Privacy Policy.

Which you may review on the website.

Confirm your contact information.

You’ll be guided through steps to verify your email address and phone number.

Get the most from your plan. Register at myuhc.com

Need assistance? Call the number on your member ID card.

Go mobile.

Download the United-Healthcare Health4Me® app for on-the-go access.

Find a doctor

Finding a doctor or hospital on myuhc.com® Use doctors, hospitals, pharmacies, labs and other providers and facilities in your UnitedHealthcare health plan network to help you save money and lower health care costs.

Click on “Find a Provider” to search for a network doctor or facility

Your ZIP code will automatically be used - you can change this by clicking “Change location”. Then you have two choices: • Enter the provider name, facility or medical group in the search box. OR • Click on the icon that reflects the type of provider you are looking for and follow the prompts.

Call us with any questions. Find the phone number for customer care on your health plan ID card.

The UnitedHealth Premium® designation program is a resource for informational purposes only. Designations are displayed in UnitedHealthcare online physician directories at myuhc.com®. You should always visit myuhc.com for the most current information. Premium designations are a guide to choosing a physician and may be used as one of many factors you consider when choosing a physician. If you already have a physician, you may also wish to confer with him or her for advice on selecting other physicians. Physician evaluations have a risk of error and should not be the sole basis for selecting a physician. Please visit myuhc.com for detailed program information and methodologies.

Find a doctor continued

Mail Order Pharmacy

DISCOVER THE CONVENIENCE OF OptumRx ® HOME DELIVERY

Join millions of people who are able to better manage the medication they take regularly by using OptumRx home delivery. Not only is home delivery safe and reliable, it also offers the following advantages:

Online: Visit myuhc.com®, register and follow the simple step- by-step instructions. You can manage your medication online, including filling new prescriptions and transferring other prescriptions to home delivery. You can also set up text message reminders to help manage your medication schedule. Be sure to have your health plan ID card and medication bottles on hand. By phone Just call the member phone number on the back of your plan ID card to talk with a customer service representative right now. Bymail Ask your doctor for a new prescription for up to a three-month supply, plus refills for up to one year. Then go to myuhc.com and download the new prescription order form. Mail it to the address provided on the bottom of the form. By fax/ ePrescribe: Ask your doctor to call 1-800-791-7658 for instructions on how to fax your prescription directly to OptumRx. Or your doctor can send an electronic prescription to OptumRx.

Cost savings

You may pay less for your medication with a three month supply through OptumRx.

Convenience Get free standard shipping on medications delivered

to your mailbox.

24/7 access and reminders Speak to a pharmacist who can answer your questions any time, any day. Even set up text and email reminders to help you remember to take or refill your medications. *

Whether you have a new prescription or need to transfer an existing prescription, it’s easy to get started with OptumRx home delivery. Here is how:

* OptumRx provides this service at no cost. Standard message and data rates charged by your carrier may apply.

Health Care Management

Resources at Your Fingertips

Your family’s health, in your hands.

UnitedHealthcare Health4MeTM provides instant access to your family’s critical health information – anytime/anywhere. Whether you want to find a physician near you, check the status of a claim or speak directly with a health care professional, Health4Me is your go-to resource.

It’s responsive .

It goes where you go.

The Easy Connect service lets us know of anything you may need help with. A representative will get back to you with information about claims, benefits and more without having to wait on hold.

Use the location search feature to find a physician or facility near you. Whether you need a specialist or general practice, the largest selection of network doctors is at your command.

It simplifies.

It’s personal.

Add your most commonly used contacts to the “Favorites” tab. Now searching for your child’s pediatrician or your dad’s physician is simply a touch away.

From emailing your health plan ID card information to checking on medical spending accounts, Health4Me is the resource that is designed to work for you. And you can rest assured that your information is absolutely confidential.

Key features include*

• View and Share health plan ID card information • Contact an experienced registered nurse 24/7 • View Claims • Choose to view plan members independently or the plan as awhole • Check health related financial account balances

• Locate Urgent Care facilities and ER’s • Check status of deductible and out-of-pocket spending

• Search for Physicians or Facilities by location or specialty • Store favorite Physicians and Facilities

• Complete confidentiality

• Have an Easy Connect Representative contact you to answer any questions

*Some features may not be available for all employer plans. Insurance coverage provided by or through a UnitedHealthcare Company or its affiliates.

Health Discount Program

SO MANY WAYS TO SAVE

HOW TO GET YOUR DISCOUNTS

Save on these wellness resources to help you live a healthier life:

Always use your health benefits for covered services, and use the health discount program for those services that you must pay for yourself. No referrals are required for the health discount program, and there are no claim forms to submit. • Visit myuhc.com®, access the Health and Wellness tab, then click on “Discounts” next to the icon in the middle of the page. • Search for a provider, program or online retailer – click the UnitedHealth Allies link and select a category (such as Alternative Care) and specialty (such as Massage). • Individual provider: Click ‘Select This Provider’ to generate a discount confirmation. Be sure to print the discount confirmation and take it with you to your appointment. • Make an appointment – identify yourself as a UnitedHealth Allies discount program member, and pay the discount rate at the time of service.

• Weight management from Jenny Craig® 1 , Nutrisystem® and other popular programs

Nutrition counseling

•

• Fitness clubs 2 including Anytime Fitness, Curves®, Gold’s Gym®, Jazzercise®, Life Time Fitness®, MyGym® and Snap Fitness®

Fitness equipment and apparel

•

Natural products and foods

•

Stress reduction and relaxation resources

•

Smoking cessation programs

•

1 Plus the cost of food and shipping where applicable. Discount apply to membership fee only. Offer good at participating Centers and Jenny At Home in the United States.

2 Availability varies by geographic area: applies to new memberships only.

• National providers – follow the Provider Profile page to purchase products or services at the discounted rate.

*Log into myuhc.com® and link to the health discount site. If you are not automatically logged into the health discount program website, click First-time users: Create Account and follow the instructions. Or, call the Customer Care number on your medical ID card.

Additional Benefits

through United Healthcare Take care of your health and be rewarded SimplyEngaged® is a personal health and wellness program which allows you to earn rewards when you complete the health and wellness actions listed below.

Get a $25 reward when you use myHealthcare Cost Estimator

Quickly and easily estimate your health care costs on myuhc.com® and in the United Healthcare Health4Me TM app with myHealthcare Cost Estimator. 1. Log in to myuhc.com and open the myHealthcare Cost Estimator

It’s easy to start earning rewards*

Access the Reward Program Overview through Rally when you log in to myuhc.com® for specific details regarding your wellness incentive program.

Earn a Reward

2. Search for a condition or treatment

• Participate in a biometric health screening and get a $75 reward • Complete an online health survey through Rally when you log in to myuhc.com® within 90 days of the start of the program and get a $25 reward

3. Get a quick estimate

4. Select a provider and /or facility

5. Get your final estimate

• Answer all the survey questions to personalize your overall experience

Once you get one online cost estimate using myHealthcareCost Estimator, you will earn a reward. 1

• Get a $20 reward each month that you visit a participating fitness center at least 12 times per month

• Register by selecting a fitness location online and providing the center with your program activity code. Attendance will be tracked every time you go to the gym.

Scan the code to view a demo of myHealthcare Cost Estimator

• Complete a telephone-based health coaching program and get a $75 reward

• Complete the health survey in order to participate in the health coaching program • Call the Health Coach at 1-800-478- 1057 to begin working on your personal health improvement plan

• Complete at least 3 Missions through the Rally experience and get a $50 reward

• Complete the health survey to receive suggested online health actions or “Missions”. Missions are interactive and provide choice that may help you maintain your health

For more information, please see your UHC Simply Engaged Reward Flyer or call 1-855-215-0230 if you have questions.

*Type of reward is determined by Standard International.

There is a maximum associated with the rewards. 17

Additional Benefits

Lose weight and get help to keep it off with Real AppealTM

What are your reasons to lose weight?

We all hear that losing weight is just a matter of eating less and moving more, right? It sounds easy, but if it were only that simple wouldn’t we all be at our ideal weight? Losing extra pounds, no matter how many or few is a difficult task, especially when you try to do it alone. United Healthcare is excited to introduce a new healthy weight management program through Real Appeal . Experts in weight management behavior change, Real Appeal uses the secrets to weight loss that may help people lose weight. They have proven experience in helping people develop simple weight loss plans that actually work. HowIs Real Appeal different from other weight management programs? Real Appeal uses a highly interactive weekly internet show. With videos and live online coaching to help you make small behavior changes week by week. These tools may help you lose weight and achieve your long term health goals, Using weight-loss research studies, Real Appeal has designed a program to support you through every stage of weight management. Whether you need to lose a lot of weight, are moderately overweight or simply need to lose those extra 10 pounds, this program may work for you.

> To feel better > To look better

> To be more active > To improve your health Whatever your reasons, Real Appeal may help you lose weight and keep it off, feel and look better and do things you enjoy like – have the extra energy to play with your kids, wear clothes more comfortably, sleep better and think better – all the good stuff.

The Real Appeal program includes:

Expert coaching > One-on-one coaching with a weight – loss expert > Weekly group coaching and live online discussion

Personalized support > Tools to help support your success based on your needs:

• Nutrition guides, meal plans, recipes, shopping lists and tips for dining out • Video workouts and fitness guides

Engaging entertainment > Educational videos featuring popular celebrities and experts

Tools and tracking > Hands-on tools to help meet your needs

> Online support tools, including educational website and digital resources > Online or mobile tracking tools to help you track your diet and exercise

Join the thousands of members that have lost nearly 1 million pounds. Start todayat success.realappeal.com . Spark your transformation with Real Appeal.

Real Appeal is a voluntary program. The information provided under this program is for general informationalpurp oses only and is not intended to be nor should be construed as medical advice. See plan materials for additionaldetails. 1

Dental Plan Options

Receiving regular dental care can not only catch minor problems before they become major and expensive to treat – it may even help improve your overall health.

United Healthcare OMG! PPO & Amazing PPO Dental You may see any dentist, but you will have a higher benefit level and lower out-of-pocket costs if you visit a United Healthcare PPO network dentist. Savings are greater when you visit an In-Network provider because United Healthcare’s contracted dentists have agreed to provide care at a negotiated rate. Out-of-Network benefit amounts are subject to the United Healthcare contracted fee schedule. You will be responsible for the difference between the plan payment and the dentist’s usual charge. United Healthcare Standard DMO Dental Dental DMOs are designed to help you and your family maintain oral health and reduce your out-of-pocket costs, and they’re simple to use. Just select a participating (network) dentist at enrollment and refer to your Schedule of Benefits to determine your benefits for each covered service. This type of insurance requires some type of prepayment from you. In exchange, you get dental care from a network of dental care providers. If you want to use a dentist outside the approved network, you must pay your entire dentist's bill yourself.

United Healthcare Standard DMO Dental includes an orthodontic benefit for children and adults.

United Healthcare PPO Dental • OMG! PPO

Amazing PPO

Plan Maximums

In Network*

Out Of Network*

In Network*

Out Of Network*

Calendar Year Deductible (single/family)

$50/$150

Calendar Year Maximum (per member)**

Year 1: $1,000 Dental Maxim Rollover Available

Year 1: $1,500 Dental Maxim Rollover Available

Preventative What You Pay What You Pay

Oral Examinations, Bitewing or Full Mouth X-rays, Cleanings

0% after deductible

10% after deductible

Basic

Fillings, Endodontics (root canal therapy), Periodontics, Sealants, Simple Oral Surgery and Simple Extractions

10% after deductible

20% after deductible 20% after deductible 30% after deductible

Major

Crowns, Inlays, Onlaysand Cast Restorations, Bridges And Dentures

40% after Deductible

50% after deductible

Orthodontic Procedures

Orthodontia 50% after deductible Lifetime Maximum: $1,000

Not Covered

* Reimbursement is based on PPO contracted fees for PPO dentists, and maximum allowable charges for non-United Healthcare dentists.

If you elect PPO Plan, members will not receive a card but can print one off www.myuhc.com

* Please refer to carrier booklet. Plan limits may apply. 20

United Healthcare DMO Dental

BENEFITS* Standard DMO DentalWhat You Pay

Plan Maximums

Calendar Year Deductible

None

Calendar Year Maximum Benefit

None

Preventive Procedures

Office Visit

D1110- Cleaning Adult/Child

D0210 − X -rays & I

Restorative Procedures

$65

D2391 White Filling (posterior)

D3330 Molar Endodontics (root canal)

$245

$180 -$375

D4261 Periodontal Osseous Surgery (gum disease)

$43-$55

D4342 Periodontal Scaling & Root Planing (gum disease)

Major Procedures

D5110 − D5120 Complete Denture (maxillary or mandibular)

$325

$400

D5211 − D5212 Partial Denture (maxillary or mandibular)

$45

D6240 Pontic (porcelain fused to a high noble metal)

$245

D6750 Crown (porcelain fused to a high noble metal)

$50

D7220 Surgery to remove impacted tooth (soft tissue)

Orthodontia

$2,250

D8080 Comprehensive Orthodontic Treatment (child)

$2,350

D8090 Comprehensive Orthodontic Treatment (adult)

* Please view the carrier’s schedule of benefits for a more comprehensive outline.

* Please refer to carrier booklet. Plan limits may apply. 21

It’s easy to find a dentist or specialist in the Total United Healthcare DPPO network

Finding a Total United Healthcare Dental PPO (DPPO) network dentist or specialist is quick and easy – whether you opt to search online or speak to a customer service representative.

Make the most of your dental plan by registering and using myUnited Healthcare.com.

By registering for myUnited Healthcare.com, you can get individualized information, set to your dental plan. When searching for a dentist, your home zip code will be entered automatically, but you can change the zip if you are looking for a dentist in a different area. Once registered, you can search for a United Healthcare DPPO network dentist or specialist in many ways. > Log in to myUnited Healthcare.com , click on “ Find a Doctor ” or “ Help ” at the top of the page. > Enter your search work or words and click “ Search ”, or > Click on “ Dentist ” under the “ Find a Person ” heading and double-click a specialty dentist by grouping.

Savings you can see.

> United Healthcare DPPO Advantage Network – Dentist typically offer greater discounts compared to DPPO Network dentist. > United Healthcare DPPO Network – Dentist still offer a discount, but it can be much lower compared to DPPO Advantage Network dentist. > Out of Network – You may still choose to see a dentist who is not with United Healthcare, but your benefits may be lower and you may have to file your own claims.

Vision Plan Vision Plan

EyeMedVision Care

A vision plan is one of the most requested benefit options. We are pleased to provide an affordable vision plan. The plan utilizes the EyeMed Access network. EyeMed has one of the largest networks of private practicing optometrists, ophthalmologists, and opticians. In addition to the vision plan benefits provided through your benefits program, EyeMed offers a number of non- covered services at a discount.

EyeMed makes it easy. They are designed around their members, so they want to make it easy for you to use your benefits.

EyeMed Vision

BENEFITS*

In Network

Out Of Network

Exams (every 12 months)

$20 copay

Plan Pays Up To $49

Vision Exam

Frames (every 24 months)

Plan pays up to $130 allowance, then 20% off amount over frame allowance 40% additional pair discount

Plan Pays Up To: $60

Frames

Plan Pays Up To: $200

Covered in Full

Medically Necessary Frames

Lenses (every 12 months)

Plan Pays Up To: $35 $49 $74

Single Bifocal Trifocal

$20 copay $20 copay $20 copay

Lens Options

$15 $40 $45

Tint/UV Coating/Scratch-Resistant Standard Polycarbonate Standard Anti-Reflective

Not Covered

Contact Lenses – In lieu of glasses (every 12 months)

Plan Pays up To: $104 $104 $200

Conventional Disposables Medically Necessary Fit & Follow-up (Standard/Premium)

$130 allowance, 15% off + $130 $130 allowance No charge Up to $55/10% off retail

Not Covered

Laser Vision Correction

15% of retail (or 5% of promotional)

Benefit

Not Covered

Sign up as a member online to print ID cards, locate providers through the Access network, and view benefits and claims. www.EyeMed.com

* Please refer to carrier booklet. Plan limits may apply. 26

You can now use your contact lens allowance online

We know that even though you are busy, you always have a mobile device ready or a computer nearby.

That’s why you can order contact lenses online using ContactsDirect when you need to – without leaving your home.

And the best part is that you can use your in-network benefits to make sure you’re getting the best price around.

Plus, you can be sure that you can find what you need because ContactsDirect stocks the best selling brands.

All with fast, free shipping!

Go to contactsdirect.comSelect from a wide

In-network vision benefits instantly apply to your purchase

Contact lenses will ship as soon as the prescription is verified – most even ship that same day!

selection of top selling brands

EYEMED MEMBER APP

Member Tools

Download the app and get the same helpful features you’d find on eyemed.com – but with upgrades, like the ability to save vision prescriptions. Or schedule an exam and contact lens change reminders.

MAKING LIFE EASIER EVERY DAY

EYEMED.COM

Search for providers in the EyeMed Access

•

• Find an eye doctor near your

network

• Get turn-by-turn directions to the provider of your choice

Get turn-by-turn directions from your

•

location, or simply click to call

• Schedule appointments on the fly

View a copy of your ID card, so it’s handy

•

when you visit a provider

• View your member ID card

Find answers to common questions

•

• See current benefits eligibility and in – network benefit details

•

• Get answers to commonly asked questions

• Contact EyeMed

Basic Life/AD&D Insurance Life and AD&D

This benefit is paid for 100% by The Standard. There is no cost to you, the employee.

All benefit eligible employees with The Standard are provided with employer-paid Basic Life and Basic Accidental Death & Dismemberment (AD&D) coverage. All eligible employees are automatically enrolled in Basic Life and Basic AD&D.

Employee Basic Life Insurance • Benefit amount of $20,000

Basic Accidental Death and Dismemberment (AD&D) • 100% of the Basic Life benefit • Provides specified benefits for a covered accidental bodily injury that directly causes dismemberment • In the event of death that occurs from a covered accident, both Life and AD&D benefit would be payable each in the amount of the basic life insurance Benefits After Age 65 Your life benefits will reduce after age 65, and the reduction schedule is as follows:

Refer to the Symetra plan documents for a complete description of this plan.

• Reduce by 35% at age 65 • Reduce by 50% at age 70 • Reduce by 65% at age 75 • Benefits will terminate at retirement

Consider updating your Life Insurance beneficiary by updating the universal enrollment form and returning the form to Human Resources.

Supplemental Life/ AD&D Insurance

Life and AD&D

Supplemental Child(ren) Life You may purchase additional coverage for your child(ren) in the following amounts: • 14 days to 6 months old: $250 • 6 months to 26: $5,000 or $10,000 * Should you choose to elect amounts over the guarantee issue amount, you and / or your spouse will need to complete the Evidence of Insurability (EOI) form for medical underwriting purposes – or if you enroll after your newly eligible event, EOI is required.

This benefit is paid for 100% by the employee. As an added benefit, The Standard offers Supplemental Life and Accidental Death & Dismemberment (AD&D) insurance for employees, their spouses, and/or children (children not eligible for AD&D). This benefit is voluntary and paid for 100% by eligible employees through payroll deductions. Employee must be enrolled to enroll dependents. Supplemental Employee Life/AD&D Employees may purchase additional life coverage in $5,000 increments not to exceed 5 times your annual salary or $500,000 • Guaranteed Issue amount* of $100,000 Supplemental AD&D coverage can be purchased by you for additional premium. Benefit amount is equal to the life amount elected by you. Supplemental Spouse Life/AD&D You may purchase additional coverage for your spouse in $5,000 increments to the maximum of $250,000, limited to 50% of employee enrolled amount. • Guaranteed Issue amount* of $30,000 Supplemental AD&D coverage can be purchased by you for additional premium. Benefit amount is equal to the life amount elected.

Deductions will start when Symetra approves your coverage. Age reduction schedule applies.

Refer to the Symetra plan documents for a complete description of this plan.

Life and AD&D

This benefit is paid for 100% by The Standard. There is no cost to you, the employee.

The Standard provides employees with group short-term and long term disability coverage for those unexpected situations that may keep you from performing the daily responsibilities of your job. Your disability plan is available to help supplement your income when you are not able to continue employment for a certain period of time. Short-term and/or long-term disability benefits may be reduced by benefits received from state disability or temporary worker’s compensation programs. Total benefits received from the policy, state disability, temporary worker’s compensation programs and employers sick pay may not exceed 100% of your income prior to your disability. Short-Term Disability You will need to satisfy a 14-day elimination period. Benefits for short-term disability would begin on the 15 th day. This elimination period can be satisfied with days of partial disability, total disability or a combination of both. If you are totally disabled beyond the elimination period due to a covered injury or sickness, you will be eligible to receive a monthly benefit equal to 60% of your basic monthly income, up to $1,000 per week. Long-Term Disability You will need to satisfy a 90-day elimination period before long-term disability benefits would begin. This elimination period can be satisfied with days of partial disability, total disability or a combination of both. If you are totally disabled beyond the elimination period due to a covered injury or sickness, you will be eligible to receive a monthly benefit equal to 60% of your basic monthly income, up to $10,000 per month.

Refer to the Symetra plan documents for a complete description of this plan.

Employee Assistance Plan

All members of your household can utilize the benefits of this program.

All benefit eligible employees with The Standard are provided with employer paid Employee Assistance Plan (EAP) through Symetra in partner with Compsych. All eligible employees are automatically enrolled in the EAP. Life is full of challenges and sometimes balancing life is difficult. The EAP is there when you need it. Symetra offers the appropriate assistance for a wide range of issues and provides referrals to professional counselors or services that can help you resolve emotional health, family and work issues.

Member Services

Along with unlimited telephonic access, the EAP also offers 5 face- to-face visits with a counselor per person per issue.

Work or Life Needs, Clinical Counseling, Financial Information, Legal Information...

Completely Confidential

Online: www.GuidanceResources.com

Click on Registration Tab

Enter SYMETRA, click register

Toll free: 866-263-4365

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