Explain My Benefits

Full-Time Associates BENEFITS 2019 2019FTBEN www.MyHolidayBenefits.com At Holiday Retirement, we believe in helping our associates live well by doing good. Our benefits package is designed to help you optimize your strength, purpose and sense of belonging so you can enjoy life to the fullest. Our Mission: Holiday is in the business of helping older people live better. Our Family of Brands 2019FTBEN 2019FTBEN CONTENTS Contents: Eligibility 2 Dependent Verification 2 How to Enroll 2 Life Events 2 Benefit Plan Costs 3 Medical Plans 4 Prescription (Rx) Benefits 6 Medical Spending Accounts (HSA/FSA) 7 Telehealth (MeMD) 8 Knowing Your Benefits 9 Employee Assistance Program (EAP) 15 Dental Plans 10 401(k) Retirement Savings 15 Vision Plans 11 Travel Assistance Program 15 Group Life Insurance (GLI) 13 Auto Insurance 15 Short-Term Disability (STD) 13 Home Insurance 15 Long-Term Disability (LTD) 13 Legal & ID Theft 16 Supplemental Life Insurance with AD&D 13 Pet Insurance 17 Aflac Group Accident Insurance 18 Aflac Group Critical Illness Insurance 18 Aflac Group Hospital Indemnity Insurance 18 Perks & Discounts 21 Benefits Glossary 23 Required Notices 25 Important Contact Info Back Cover These are only highlights of the Holiday Benefit offerings. The actual plan documents are the governing documents and, if discrepancies are found, the plan documents will govern. Holiday Retirement retains the right to amend or terminate its benefits at any time, and participation in the plans described does not guarantee your right to benefits, except as specifically 2019FTBEN provided in the plans. 2019FTBEN How to Enroll To make your benefit elections, log in to 2019 Benefit Plan Costs: my.adp.com/holiday. Whether you intend to All deductions in this book are listed as biweekly. In the state of New York deductions will be enroll or not, please log in to my.adp.com/holiday made on a weekly basis. Simply divide the biweekly deduction in half to see what your weekly and acknowledge that you have reviewed your amount would be. benefit offerings. It is important you also log in to my.adp.com/holiday the first paycheck following BLUECROSS/BLUESHIELD MEDICAL PLANS your coverage effective date to check your paystub MUTUAL OF OMAHA and make sure your benefit elections are correct. CDHP + HSA 70/30 PPO 80/20 PPO SUPPLEMENTAL LIFE WITH AD&D* Please contact My Holiday Service Center at Coverage Tier Biweekly Biweekly Biweekly 833-LINE4HR (833-546-3447) with any questions Associate Only $ 35.54 $50.77 $90.00 Employee/ Eligibility regarding benefits or the enrollment process. RATES Spouse (Per $1,000) Biweekly Full-time associates Associate/Spouse $119.54 $170.77 $256.15 working an average of at Under 24 $0.085 least 30 hours per week Associate/Child(ren) $103.38 $147.69 $214.62 are eligible to enroll in 25-29 $0.085 Holiday Retirement’s Family $132.46 $189.23 $293.08 health & welfare benefits 30-34 $0.096 on the first of the month following 60 days of employment. Premiums METLIFE DENTAL PLANS 35-39 $0.107 are deducted beginning the first pay date following PREVENTIVE SELECT 40-44 $0.118 eligibility. Retroactive deductions will be processed as required. When you enroll, you may also choose to Coverage Tier Biweekly Biweekly 45-49 $0.173 cover your eligible dependents. Associate Only $6.37 $15.95 • Your legal spouse 50-54 $0.249 • Domestic partner with completed affidavit Associate/Spouse $10.57 $26.22 • Child(ren) up to age 26 55-59 $0.456 • Disabled child(ren) physically or mentally incapable Associate/Child(ren) $15.77 $32.02 of self-support 60-64 $0.685 • Adopted or foster child(ren) up to age 26 Family $21.17 $42.27 • Legal guardianship of child(ren) up to age 26 65-69 $1.121 All enrollments must be completed within 30 days of 70-74 $1.535 eligibility. Otherwise, elections can’t be made until the METLIFE (VSP CHOICE NETWORK) VOLUNTARY VISION next Open Enrollment period unless you experience a Coverage Tier Biweekly 75 and over $1.862 Life Event. Associate Only $3.17 Child Life $0.12 Rates Dependent Verification Associate/Spouse $6.33 Guaranteed Issue Amount Verification of dependent eligibility will be required to Associate/Child(ren) $6.77 establish coverage. If documents are not submitted in Employee $150,000 a timely manner, dependents will not have coverage. Family $10.82 Examples of acceptable documentation: Maximum Coverage Amounts: • Copy of marriage certificate Employee — $600,000; • Domestic partner affidavit MUTUAL OF OMAHA VOLUNTARY SHORT-TERM DISABILITY PLAN • Copy of birth certificate Example: Weekly Multiply Weekly Divide Weekly Multiply by Rate Biweekly Cost Spouse — $500,000; • Proof of disability from a treating physician Earnings Earnings by 60% = Benefit by 10 • Copy of papers showing placement of child in your Weekly Benefit Child(ren) — $10,000 home or copy of final adoption papers • Copy of final legal guardianship papers $500 $500 x 60% = $300 $300 / 10 = 30 x $0.81 $11.22 *AD&D benefits match voluntary life benefit. Rate included in voluntary life rates. Life Events MUTUAL OF OMAHA VOLUNTARY CORE LONG-TERM DISABILITY PLAN Example: Monthly Divide Monthly Earnings Multiply by Rate Biweekly Cost If you experience a life event change during the plan- Earnings by 100 year – such as marriage, divorce, birth or adoption of a child, or a spouse losing or gaining other coverage – you $2,000 $2,000/100 = 20 20 x $0.50 $6.62 could qualify to make changes to your benefit plans. You are required to log in to my.adp.com/holiday MUTUAL OF OMAHA VOLUNTARY BUY-UP LONG-TERM DISABILITY PLAN or call the My Holiday Service center at 833-LINE4HR (833-546-3447) within 30 days of the date of the event Example: Monthly Divide Monthly Earnings Multiply by Rate Biweekly Cost to make benefit plan changes. If changes are not made Earnings by 100 within 30 days, you will have to wait until the next Open $3,500 $3,500/100 = 20 35 x $0.85 $13.73 Enrollment period to make any plan changes. 2019FTBEN 2 3 2019FTBEN CDHP with HSA 70/30 PPO 80/20 PPO Introducing the Consumer Driven Pay less now, Pay some now, Pay more now, pay more later with some help pay some later pay less later Health Plan (CDHP) with HSA Plan Preferred Out-of-Network Preferred Out-of-Network Preferred Out-of-Network This is a high-deductible plan with a built- PLAN FEATURES Provider Provider Provider Provider Provider Provider in tax-free Health Savings Account (HSA). Calendar-Year $2,000 individual $9,000 individual $1,500 individual $9,000 individual $600 individual $1,800 $6,000 individual This plan lets you take charge of your Deductible $4,000 family $18,000 family $3,000 family $18,000 family family $10,000 family healthcare spending. Out-of-Pocket Max. $22,500 individual $22,500 individual $12,600 individual $6,000 individual $6,000 individual $4,000 individual Includes deductible $45,000 family $45,000 family $27,000 family $12,000 family $12,000 family $8,000 family copays & coinsurance plus balance billing plus balance billing plus balance billing PHYSICIANS CHARGES: Routine $0 No deductible 50% after deductible $0 No deductible 50% after deductible $0 No deductible 50% after deductible Preventative Care Office Visit 20% after deductible 50% after deductible $25 no deductible 50% after deductible $25 no deductible 50% after deductible Virtual Visit MeMD MeMD MeMD MeMD MeMD MeMD Specialist Visit 20% after deductible 50% after deductible $60 no deductible 50% after deductible $60 no deductible 50% after deductible FACILITIES CHARGES: Diagnostics: 20% after deductible 50% after deductible 30% after deductible 50% after deductible 20% after deductible 50% after deductible MEDICAL Lab/X-ray/etc. Maternity Care 20% after deductible 50% after deductible 30% after deductible 50% after deductible 20% after deductible 50% after deductible Hospital Services 20% after deductible 50% after deductible 30% after deductible 50% after deductible 20% after deductible 50% after deductible Inpatient Admission 20% after deductible 50% after deductible 30% after deductible 50% after deductible 20% after deductible 50% after deductible Outpatient Surgery 20% after deductible 50% after deductible 30% after deductible 50% after deductible 20% after deductible 50% after deductible PLANS & Emergency Svcs. EMERGENCY CHARGES: Convenience Care 20% after deductible 50% after deductible $25 no deductible 50% after deductible $25 no deductible 50% after deductible We’ve been working hard to find new Urgent Care Facility 20% after deductible 50% after deductible $75 no deductible 50% after deductible $75 no deductible 50% after deductible Emergency Room 20% after deductible 50% after deductible $200 copay then 30% 50% after deductible $200 copay then 20% 50% after deductible medical plans to help our associates get the PHARMACY BENEFIT: coverage they need, while helping save some Deductible Combined with medical deductible $0 $0 money. We now offer a choice between three Out of Pocket Max. Included in the Medical OPM Included in the Medical OPM Included in the Medical OPM Generic $10 Not covered $10 Not covered $10 Not covered medical plan options through Blue Cross/ Preferred Brand $35 Not covered $35 Not covered $35 Not covered 50% - $100 min., 50% - $100 min., 50% - $100 min., Blue Shield administered by Regence Group Non-Preferred Not covered Not covered Not covered $150 max. per Rx. $150 max. per Rx. $150 max. per Rx. Administrators. Specialty Drug** Applicable cost share Not covered Applicable cost share Not covered Applicable cost share Not covered 2x copay for 90-day; 2x copay for 90-day; 2x copay for 90-day; Mail-order non-pref. min. $150, Not covered non-pref.

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