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October 2015 Annual benefits enrollment For employee benefits effective Jan. 1, 2016

The annual benefits enrollment period runs Monday, Nov. 9 throughMonday, Nov. 23, 2015 for coverage effective Jan. 1, 2016. Changes for 2016 are outlined in this booklet. Please read it carefully and get answers to your questions ( see Contacts on page 23 ) as you prepare to make benefit choices for 2016. What’s inside 2 | Enrollment to-do list 3 | Just choosing your 2016HSAcontribution?Read this first. 3 | Changes you can make during annual benefits enrollment 4 | Overview of benefit changes in 2016 5 | Medical coverage 5 | Medical and prescription coverage changes in 2016 9 | Deductibles, maximums and summaries of benefits 10 | Reminders 11 | Live Healthy, Live Well 2016 12 | Extras

DISCLAIMER: This communication describes benefits that become effective Jan. 1, 2016. This communication has been prepared for benefits-eligible active employees of Massachusetts Mutual Life Insurance Company (MassMutual); The MassMutual Trust Company fsb ; MassMutual International LLC; Babson Capital Management LLC; Babson Capital Finance LLC; Invicta Advisors LLC; and Cornerstone Real Estate Advisors LLC. It is not for agents, field staff, retirees or employees receiving long-term disability benefits. This document is not a Summary Plan Description (SPD) but sections of this document represent Summaries of Material Modifications (SMMs) for the MassMutual Employee Welfare Benefits Plan. All information contained in this booklet is for general information purposes only and is not tax or financial advice. Benefits are determined by the terms of the plans in effect. Receipt of this material does not imply your eligibility for any one or all of the benefits and programs described. The Company reserves the right to terminate, modify, amend or suspend any or all of its benefit plans and programs at any time and from time to time. In case of conflict between this information and the plan terms, the plan terms and documents will govern. Provisions are based on current law and regulations, which are subject to change. All information described herein is current as of the October 2015 publication date.

13 | Dental coverage 13 | Vision coverage 14 | Health savings accounts (HSAs) 14 | 2016 HSA contribution limits

14 | How to monitor your HSA contributions

15 | Flexible spending accounts (FSAs) 16 | Health care FSAs 17 | Dependent care FSAs 18 | Life insurance options 19 | Long-term disability buy-up option (LTD 70) 20 | Life events and your benefits 22 | 2016 medical, dental and vision rates 23 | Contacts 24 | Online enrollment

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