Health and Wellness Benefits Handbook for Eligible Family Members

Contents

1 Introduction

2 Health Plan Information • Medical • Prescription Drug • Dental • Vision

6 Life Insurance Information

8 Flexible Spending Account Information

9 Identity Fraud Insurance Plan Information

10 Legal Insurance Plan Information

11 Life Balance

12 Rate Calculator

13 Eligibility and Enrollment Information

14 Plan Provider Directory

15 Summary Plan Descriptions

16 2020 Annual Benefits Enrollment Introduction

Travelers provides employees with the opportunity to participate in comprehensive, market-competitive benefits that meet the needs of employees and their family members. This brochure provides a summary of the programs available to Travelers employees.

For more comprehensive information about all of the benefits Travelers offers, employees should refer to myHR.

Note: The information in this overview is only a summary and is not intended to fully describe the Travelers employee benefit programs. To the extent there is any information missing from the overview or any inconsistency between the information in the overview and the official plan documents and Summary Plan Descriptions for the benefit programs, the plan documents and Summary Plan Descriptions control. To access the Summary Plan Descriptions, click here.

Travelers Benefits Handbook for Eligible Family Members – 2019 Plan Information 1 Health Plan Information

Overview

Travelers offers comprehensive medical, prescription drug, dental and vision plans designed to help you and your family stay healthy and avoid the financial hardship often associated with major illnesses, routine check-ups or injuries.

Medical

Blue Cross Blue Shield (BCBS) Plan or UnitedHealthcare (UHC) Choice Plus Plan • Open-access preferred provider option (PPO) coverage. No referral required to see a specialist. • In-network benefits: o $30 copay for primary care physician visits. o $40 copay for specialist physician visits. o Preventive visits: no copay. o Retail clinics: $10 copay. o Urgent care facility: $40 copay. o Emergency room: $185 copay; waived if admitted to a hospital. o Deductible and coinsurance apply to all non-preventive, non-copay based services. o The deductible is $700 per person/$1,400 per family. o After satisfying the deductible, member responsibility is 10 percent coinsurance with an out-of-pocket maximum of $3,700 per person/$7,400 per family. o For a list of in-network providers, access the Plan Provider Directory section. • Out-of-network benefits: o Deductible and coinsurance apply to all non-preventive, non-copay based services. o The deductible is $1,400 per person/$2,800 per family. o After satisfying the deductible, member responsibility is 30 percent coinsurance with an out-of-pocket maximum of $7,400 per person/$14,800 per family. • Premiums are: o Based on the plan and coverage level selected, the employee’s annual base salary and number of hours worked, the smoking status of the employee and the spouse or domestic partner as applicable, and whether the working spouse subsidy applies. o Deducted from the employee’s paycheck on a before-tax basis (deductions taken from the first two paychecks each month). o To calculate your rates for 2019, refer to the Rate Calculator section. • For more detailed information, refer to the Summary of Benefits and Coverage documents for the Blue Cross Blue Shield and UnitedHealthcare plans.

High Deductible + HSA Plan • An indemnity plan providing access to all providers (no network requirement). o Deductible and coinsurance applies to all non-preventive, non-copay based services. o The deductible is $1,350 single coverage/$2,700 family coverage. o After satisfying the deductible, member responsibility is 20 percent coinsurance with an out-of-pocket maximum of $4,300 single coverage/$8,600 family coverage. o For family coverage, the $2,700 deductible must be satisfied before any cost sharing will begin, except when preventive prescription drugs are filled. o Preventive prescriptions are covered as described in the Prescription Drug section listed below. o Non-preventive prescriptions are subject to the deductible ($1,350 individual/$2,700 family) and then covered at 20 percent coinsurance up to the out-of-pocket maximum. • Premiums are: o Based on the plan and coverage level selected, the employee’s annual base salary and number of hours worked, the smoking status of the employee and the spouse or domestic partner as applicable, and whether the working spouse subsidy applies. o Deducted from the employee’s paycheck on a pre-tax basis (deductions taken from the first two paychecks each month).

Travelers Benefits Handbook for Eligible Family Members – 2019 Plan Information 2 • To calculate your rates for 2019, refer to the Rate Calculator section. • This medical plan is a Health Savings Account (HSA) qualified plan. The HSA is administered by Fidelity. • For more detailed information, refer to the Summary of Benefits and Coverage document for the High Deductible + HSA Plan.

Prescription Drug

Express Scripts Prescription Drug Plan • When you enroll in any of the medical plans offered by the company, you automatically receive prescription drug coverage through Express Scripts. • Prescription drug costs vary depending on if the drug is a generic or brand-name; if the drug is purchased at a retail pharmacy or delivered to your home through Express Scripts; and if the drug is included on the Express Scripts formulary. o A formulary is a list of FDA-approved prescription drugs that are on Express Scripts’ preferred list. For details, refer to the formulary. • Below is an overview of the plan:

Prescriptions Network Pharmacy Non-network Pharmacy (excluding fertility drugs*) Generic If you fill a prescription at a non- - Retail to 30 days You pay $12 copay participating pharmacy but had - Mail to 90 days You pay $24 copay access to a participating pharmacy, you will be reimbursed Formulary brand You pay 20% coinsurance: for the negotiated pharmacy cost - Retail to 30 days $45 minimum, $160 maximum minus the applicable in-network - Mail to 90 days $90 minimum, $320 maximum coinsurance. If you did not have Non-formulary brand You pay 40% coinsurance: access to a participating - Retail to 30 days $45 minimum, $160 maximum pharmacy, the in-network - Mail to 90 days $90 minimum, $320 maximum coinsurance will apply.

Prescription out-of-pocket $2,700 per member, $5,400 per family per maximum** calendar year Preferred home delivery for You pay an additional 10% coinsurance for maintenance prescriptions maintenance prescriptions filled more than twice at a retail pharmacy, excluding prescriptions filled at Walgreens, Duane Reade or CVS pharmacies 90-day supply at retail Generics: you pay three retail copays (for a (at Walgreens, Duane Reade total of $36) and CVS pharmacies only) Formulary brand: you pay 20% coinsurance subject to a $135 minimum and a $480 maximum Non-formulary brand: you pay 40% coinsurance subject to a $135 minimum and a $480 maximum Generics preferred program You pay the generic copay plus the cost (all medication classes except difference between the generic and the Coumadin and Synthroid) brand name when a generic is available but not chosen

*Specialty medicine sourced by the Accredo mail order pharmacy is subject to the retail prescription plan design. **The prescription drug annual out-of-pocket maximum per person includes both retail and mail order drug expenses (excluding infertility medications, which are covered at 50 percent in all plans except the High Deductible + HSA Plan) and is separate from the medical plan's annual out-of-pocket expenses. Once you pay $2,700 in prescription drug copays and coinsurance, all retail and mail order prescription drugs (excluding infertility medications) filled during the remainder of the calendar year will be covered at 100 percent of eligible expenses.

Travelers Benefits Handbook for Eligible Family Members – 2019 Plan Information 3

Dental

Aetna Dental Plan • The Aetna dental plan has a network of dentists who discount their prices for plan members. You are not required to use a network dentist, but if you do, it will save you money. o For a list of in-network providers, access the Plan Provider Directory section. • Premiums are: o Based on the coverage level selected and the number of hours the employee works. o Deducted from the employee’s paycheck on a pre-tax basis (deductions taken from the first two paychecks each month). o To calculate your rates, refer to the Rate Calculator section. • For more detailed information, refer to the Dental Plan Summary Plan Description. • Below is an overview of the plan:

Plan Features In-Network Out-of-Network Deductible (excluding orthodontia) $75 per individual, $75 per individual, $150 per family combined $150 per family combined network/non-network network/non-network Orthodontia deductible None None Annual benefit maximum $2,000 combined network/ $2,000 combined network/ non-network non-network Lifetime orthodontia maximum $2,000 combined network/ $2,000 combined network/ non-network non-network Preventive services: exam and Covered at 100%, no deductible Covered at 100%, no deductible cleanings, fluoride, sealants, routine X-rays Basic services: fillings, routine Covered at 90% after deductible Covered at 80% after deductible extractions, peridontia, non-routine X-rays, endodontia, oral surgery Major services: Inlays, onlays, Covered at 60% after deductible Covered at 50% after deductible crowns and implants

TMJ treatment Covered at 60% after deductible to Covered at 50% after deductible to $750 lifetime maximum combined $750 lifetime maximum combined network/non-network network/non-network Orthodontia services (Iimited to Covered at 50%, no deductible to Covered at 50%, no deductible to dependents under age 20) $2,000 lifetime maximum combined $2,000 lifetime maximum combined network/non-network network/non-network

Vision

EyeMed Vision Care Plan • Participating vision plan providers include JCPenney Optical, LensCrafters, Pearle Vision, Sears Optical and Target Optical. o For a list of in-network providers, access the Plan Provider Directory section. • Premiums are: o Based on the coverage level selected. o Deducted from the employee’s paycheck on a pre-tax basis (deductions taken from the first two paychecks each month). o To calculate your rates, refer to the Rate Calculator section. • For more detailed information, refer to the Vision Plan Summary Plan Description. • Below is an overview of the plan:

Travelers Benefits Handbook for Eligible Family Members – 2019 Plan Information 4 Plan Features Cost Exam with dilation $10 copay Standard contact lens fit and follow-up exam $0 copay, paid in full up to two follow-up visits (e.g., disposable, frequent replacement, etc.) Premium contact lens fit and follow-up exam $0 copay, 10% off retail cost and a $40 allowance (e.g., toric, multifocal, etc.) Frames $0 copay, 100% benefit up to $130 retail plan allowance*, 20% off retail cost over $130 Standard plastic lenses $10 copay (single vision, bifocal, trifocal and lenticular) Conventional contact lenses $10 copay, 100% benefit up to $130 retail plan allowance*, 15% off retail cost over $130 Disposable contact lenses $10 copay, plus balance over $130 retail allowance Medically necessary contact lenses $10 copay paid in full Frequency Examination Once every 12 months Frame Once every 12 months Lenses OR contact lenses Once every 12 months Optional Lens Features** Polycarbonate lenses $0 copay UV coating $15 copay Standard scratch resistant lenses $15 copay Standard anti-reflective coating $35 copay • Premium Tier I (e.g., Hoya Premium) $47 copay • Premium Tier II (e.g., Crizal Alize) $58 copay • Premium Tier III 80% of retail Standard progressive lenses $60 copay Photochromic (Transitions) $75 copay Premium progressive lenses 20% off retail price • Premium Tier I (e.g., Concise) $80 copay • Premium Tier II (e.g., Varilux Comfort) $90 copay • Premium Tier III (e.g., Shamir $105 copay Autograph II) • Premium Tier IV 80% of retail, less $120 allowance plus $60 copay Contact lens replacement program Available through the mail Laser Correction Surgery Discount of 15% retail or 5% off lowest advertised price for U.S. Laser Network provider for LASIK or PRK procedures

*$130 allowance applies to retail price only, not sale priced frames or contacts. **In addition to standard lenses copay.

Travelers Benefits Handbook for Eligible Family Members – 2019 Plan Information 5 Life Insurance Information

Overview

Travelers offers life and accidental death and dismemberment (AD&D) insurance designed to protect employees and their family members during times of need.

The insurance carrier for the plans listed below is the Metropolitan Life Insurance Company (MetLife).

For detailed information about each plan, refer to the Life and AD&D Summary Plan Description.

Basic Life/AD&D

• Travelers provides company-paid life and AD&D coverage equal to an employee’s annual base salary up to $100,000. • Employees are automatically enrolled. • AD&D coverage provides benefits if an employee dies or is seriously injured/dismembered as the result of an accident. • Employees can designate the beneficiary for this benefit.

Optional Life/AD&D

• Employees may purchase optional life/AD&D coverage in multiples of their annual base pay, from one to 10 times, up to a maximum of $5 million. • AD&D coverage provides benefits if an employee dies or is seriously injured/dismembered as the result of an accident. • Includes will preparation and estate resolution services through Hyatt Legal Plans, a MetLife company. • When an employee is first eligible to purchase optional life insurance, if he or she elects more than four times the annual base pay or $2,600,000 in coverage, the employee will be required to provide medical evidence of insurability to MetLife. o If the employee’s application is not approved, coverage will be limited to the lesser of four times annual base pay or $2,600,000. o After the initial eligibility date, an employee will be required to provide medical evidence of insurability if coverage was previously waived or if electing to increase coverage during Annual Benefits Enrollment or during a qualified status change. • A non-smoker discount is available for individuals who have not used tobacco products during the previous six months and do not intend to use tobacco products in the future. • The optional life/AD&D insurance beneficiary is the same as the beneficiary for the basic life/AD&D plan. • Premiums are: o Based on the amount of coverage elected, as well as the employee’s current age and smoker status. o Deducted from the employee’s paycheck on an after-tax basis (deductions taken from the first two paychecks each month). o To calculate your rates, refer to the Rate Calculator section.

Travelers Benefits Handbook for Eligible Family Members – 2019 Plan Information 6 Spouse Life/AD&D

• Employees may purchase from $20,000 to $200,000 of coverage in $20,000 increments for their spouses or domestic partners. • AD&D coverage provides benefits if the spouse or domestic partner dies or is seriously injured/dismembered as the result of an accident. • The employee is the beneficiary for this benefit; no other beneficiary designation is allowed. • If an employee elects more than $40,000 in coverage when a spouse or domestic partner is first eligible for spouse life insurance, the spouse or domestic partner will be required to provide medical evidence of insurability to MetLife. o If the application for the amount over $40,000 is not approved, coverage will be limited to $40,000. o After the initial eligibility date for spouse life coverage, the spouse or domestic partner will be required to provide medical evidence of insurability if coverage was previously waived or if the employee is electing to increase coverage during Annual Benefits Enrollment or during a qualified status change. • A non-smoker discount is available for individuals who have not used tobacco products during the previous six months and do not intend to use tobacco products in the future. • Premiums are: o Based on the amount of coverage elected, as well as the spouse’s or domestic partner’s current age and smoker status. o Deducted from the employee’s paycheck on an after-tax basis (deductions taken from the first two paychecks each month). o To calculate your rates, refer to the Rate Calculator section.

Child Life

• Employees may purchase from $5,000 to $25,000 of coverage in $5,000 increments. • From birth to six months, the benefit level is limited to $1,000. • Medical evidence of insurability is not required when a child is first eligible for child life insurance. After the initial eligibility date, evidence of insurability will be required if an employee previously waived coverage or is increasing coverage. • The employee is the beneficiary for child life insurance; no other beneficiary designation is allowed. • Premiums are: o Based on the amount of coverage elected. o Deducted from the employee’s paycheck on an after-tax basis (deductions taken from the first two paychecks each month). o To calculate your rates, refer to the Rate Calculator section.

Business Travel Accident

• The Business Travel Accident Insurance Plan provides employees with 24-hour coverage while traveling on business away from the premises of Travelers. • The plan will pay benefits if an employee dies or is injured as the result of an accident which occurs while traveling on company-approved business. • If an employee’s spouse or domestic partner or their children die or are injured as a result of an accident while traveling with the employee on company-approved business, the plan will also pay benefits. • MetLife is the insurance carrier for this plan. • Comprehensive information about this benefit is contained within the Business Travel Accident Insurance Summary Plan Description.

Travelers Benefits Handbook for Eligible Family Members – 2019 Plan Information 7 Flexible Spending Account Information

Overview

Travelers offers Dependent Care and Health Care Spending Accounts as part of the company's employee benefits package.

These spending accounts provide employees with the opportunity to fund dependent care and health care expenses through pre-tax payroll. Since pre-tax deductions are not considered taxable income, these accounts can save employees money by reducing their taxable income. Reimbursements from these accounts are tax-free.

Dependent Care Spending Account (DCSA)

• Minimum contribution = $200; maximum contribution = $5,000. • The DCSA is a “use it or lose it account.” The IRS requires that money accrued in these accounts cannot be refunded to employees, carried over beyond March 15 of the next calendar year, or transferred to another account. • An eligible dependent is either a qualifying child up to age 13 or a mentally or physically disabled individual regardless of age (a disabled individual is your spouse, a qualifying child or a qualifying relative). • For specific information about eligibility and other plan details, refer to the Flexible Spending Account Summary Plan Description. • Eligible and ineligible dependent care expenses are determined by the IRS. • Participants in the DCSA must submit claim forms to WageWorks for reimbursement.

Health Care Spending Account (HCSA)

• Minimum contribution = $200; maximum contribution = $2,700. • Only covered expenses incurred between January 1 of the plan year and March 15 of the following plan year will be considered eligible for reimbursement, provided these expenses are submitted by April 15 of the following plan year. • Eligible and ineligible health care expenses are determined by the IRS. • Participants in the HCSA can elect to be reimbursed via automatic claim submission, by using a Benefit Card or by filing manually. o Additional information is available regarding the Benefit Card. • For plan details, refer to the Flexible Spending Account Summary Plan Description.

Travelers Benefits Handbook for Eligible Family Members – 2019 Plan Information 8 Identity Fraud Insurance Plan Information

Overview

The Travelers company-paid identity fraud coverage is provided to protect employees and their eligible family members should they fall victim to identity fraud.

Plan Details

• The Travelers policy provides expense reimbursement up to $2,500 per covered person for named expenses incurred as a result of remedying an identity fraud event. • To assist in recovering from identity fraud and in restoring financial health and credit history, the benefit provides a custom Identity Fraud Risk Management website and dedicated fraud specialists who will assist employees in the event they are a victim of identity fraud. For plan details, refer to the Identity Fraud Insurance Plan Summary Plan Description.

Travelers Benefits Handbook for Eligible Family Members – 2019 Plan Information 9 Legal Insurance Plan Information

Overview

The legal insurance plan provides employees and eligible family members with access to a variety of legal services through ARAG®.

Plan Details

• Most attorneys' fees are 100 percent paid-in-full, without copays or deductibles, when employees use a network attorney. • Covered services include wills, property protection and transfers, powers of attorney, guardianship, dissolution of marriage, IRS audit protection and more. • Telephone legal services and online legal resources are also provided. • The cost for this benefit is deducted from the employee’s paycheck on an after-tax basis (deductions taken from the first two paychecks each month). o To calculate your rates, refer to the Rate Calculator section. • For plan details, refer to the Legal Insurance Plan Summary Plan Description.

Travelers Benefits Handbook for Eligible Family Members – 2019 Plan Information 10 Life Balance

Overview

Travelers partners with Humana to offer the Life Balance program. Life Balance provides access to professional in-person counseling services, digital counseling services, life coaching and support resources for daily life needs.

All Life Balance services are free, confidential and available 24/7 to employees and their household family members. Through Life Balance, employees and their family members are eligible for five free counseling sessions* with a licensed therapist. There are many ways to access care through Life Balance:

• In-Person Counseling • Digital Counseling • On-site Counseling (in Hartford only) • LifeCoach

*Up to five free sessions per issue, per year. Applies to in-person and digital services separately (i.e., five free sessions for each access method).

Contact Information

Call: 866.497.0014 (TTY 711) to speak with a trained specialist who can provide guidance and/or referrals to local service providers or access the Life Balance website (user name: trv, password: balance) for links to additional information and resources.

Travelers Benefits Handbook for Eligible Family Members – 2019 Plan Information 11

Rate Calculator

Using the Rate Calculator

The rate calculator provides an estimate of the cost per paycheck for the following benefits:

• Medical • Dental • Vision • Optional life insurance • Legal insurance plan

To access the rate calculator, click here. You will need to enter the employee work status and annual base salary, as well as tobacco use information for you and the employee.

Travelers Benefits Handbook for Eligible Family Members – 2019 Plan Information 12 Eligibility and Enrollment Information

Eligibility

Employee Eligibility • Employees are generally eligible to participate in the Travelers’ benefit plans if they are a regular status, salaried employee who is scheduled to work at least 20 hours a week.

Definition of Eligible Family Members • An employee’s spouse, children, sponsored dependents, domestic partner and children of a spouse or domestic partner are eligible for coverage if they meet the specific eligibility requirements and if coverage is elected under the plan. • For specific information, refer to the Summary Plan Descriptions.

Enrollment

New Employees • New employees can enroll in benefits within 31 days of their date of hire. • Benefits are effective retroactive to date of hire.

Current Employees • Current employees may change their benefit elections: o During the Annual Benefits Enrollment period, typically held in October or o Within 31 days of a qualified status change event if the change in benefit coverage is consistent with the qualified status change (a qualified status change includes events such as the birth of a child, marriage or divorce). • For specific information about qualified status changes, refer to the Summary Plan Descriptions.

Travelers Benefits Handbook for Eligible Family Members – 2019 Plan Information 13 Plan Provider Directory Re fer to the providers listed below for plan-related questions and provider directories. If you have general questions regarding your benefits, contact the Travelers Employee Services Unit (ESU) at 800.441.4378.

Phone Group Provider Name Website/Provider Directory Number Number

Dental

Aetna Dental 800.741.4781 701420 Provider Directory Note: Select “Dental PPO/PDN with PPO II network.”

Diabetes Management Livongo 800.945.4355 Livongo Website

Flexible Spending Accounts

WageWorks 855.774.7441 WageWorks Website

Identity Fraud Insurance

Identity Fraud Insurance 800.842.8496 travelers.com/idfraud (user name: Travelers1, password: Identity2)

Legal Insurance Plan

ARAG 800.247.4184 ARAG Legal Center

Life Balance

Life Balance 866.497.0014 Life Balance Website (user name: trv, password: balance) (Humana) (TTY 711)

Life/AD&D

MetLife 800.638.6420 116440

Medical

Blue Cross Blue Shield (BCBS) 888.279.4242 10195105 Blue Cross Blue Shield Plan Website Plan To view the BCBS Provider Directory, click the link above and then select “Find a doctor.”

There are unique group numbers for employees residing in select geographic markets, including Florida, Georgia, the greater Kansas City area, Maryland, areas around New York City, the greater St. Louis area, Washington, D.C., Wisconsin, and areas of Virginia. The group number can be found when you log in to the Blue Cross Blue Shield Plan website.

UnitedHealthcare (UHC) Choice 866.679.0947 702625 myUHC Website Plus Plan and High Deductible + HSA Plan

Prescription Drug

Express Scripts 877.494.7472 SSTV Current Enrollee: Express Scripts Website Prospective Enrollee: Express Preview Website

Vision

EyeMed Vision 866.299.1358 9683491 Current Enrollee: EyeMed Vision Care Website Choose the “Select” network. Prospective Enrollee: EyeMed Provider Locator

Travelers Benefits Handbook for Eligible Family Members – 2019 Plan Information 14 Summary Plan Descriptions

Wi thin the following Summary Plan Description documents, you will find a table of contents that will assist you with navigation. Simply click on a subject from the table of contents and you will be linked to the page on which that topic appears.

• Introduction • Business Travel Accident Insurance • Dental • Flexible Spending Accounts • Identity Fraud Insurance • Legal Insurance Plan • Life and AD&D • Medical • Qualified Status Changes • Vision

Travelers Benefits Handbook for Eligible Family Members – 2019 Plan Information 15 2020 Annual Benefits Enrollment

Overview

The 2020 Annual Benefits Enrollment period begins Thursday, Oct. 17, and ends Friday, Nov. 1, 2019, at 8 p.m. ET. During the enrollment period, employees are able to enroll in the following benefits:

• Dental Coverage • Dependent Care Spending Account • Excess Liability Insurance • Health Care Spending Account • Legal Services Plan • Life Insurance – Child, Optional and Spouse • Long-Term Disability Coverage • Medical and Prescription Drug Coverage • Purchased Paid Time Off (PTO) • Vision

For comprehensive information about these benefits and to complete their 2020 benefit elections, employees should refer to myHR.

What’s Changing

Click here to access an overview of what’s changing for 2020.

Resources

• 2020 Rate Calculator: Provides an estimate of the cost per paycheck for the medical, dental, vision, optional life insurance and legal services plans. • 2020 Summary of Benefits and Coverage documents: o Blue Cross Blue Shield medical plan o High Deductible + HSA medical plan o UnitedHealthcare medical plan • How to Choose a Medical Plan: Compares the medical plan options available to help you choose what might be right for you and your family.

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The information in this overview is only a summary and is not intended to fully describe the Travelers employee benefit programs. To the extent there is any information missing from the overview or any inconsistency between the information in the overview and the official plan documents and Summary Plan Descriptions for the benefit programs, the plan documents and Summary Plan Descriptions control. © 2019 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries. Rev. 10-19