2022-23 ESC Region 19 Benefit Guide by Higginbotham Public Sector

ESC REGION 19 BENEFIT GUIDE EFFECTIVE: 09/01/2022 8/31/2023 WWW.MYBENEFITSHUB.COM/REGION19 2022 - 2023 PlanYear 1

Table of Contents FLIP TO... How to Enroll 4 5 Annual Benefit Enrollment 6 9 1.Annual Enrollment 6 2.Helpful Definitions 7 3.Section 125 Cafeteria Plan Guidelines 8 4.Eligibility Requirements 9 Medical 10-15 Hospital Indemnity 16 Dental 17-18 Vision 19 Disability 20 Accident 21 Critical Illness 22-23 Life and AD&D 24-25 Emergency Medical Transportation 26 Student Loan Assistance 27 HOW TO ENROLLPG. 4 SUMMARYPAGESPG. 6 BENEFITSYOURPG. 10 2

ESC REGION 19 BENEFITS TRS ACTIVECARE MEDICAL HOSPITIAL INDEMNITY Financial Benefit Services (800) 583 www.mybenefitshub.com/region196908 (866)BCBSTX355 www.bcbstx.com/trsactivecare5999 www.prudential.com(844)GroupPrudential#701684551002 DENTAL VISION DISABILITY Lincoln Financial Group Group #EDUSERV19 (800) 423 2765 www.lfg.com Superior Vision (800) 507 www.superiorvision.com3800 Unum (866) 679 www.unum.com3054 ACCIDENT CRITICAL ILLNESS LIFE AND AD&D Lincoln Financial Group Group #EDUSER19 (800) 423 www.lfg.com2765 GroupUnum #474633 (800) 858 www.unum.com6843 Lincoln Financial Group (800) 423 www.lfg.com2765 EMERGENCY TRANSPORTATIONMEDICAL STUDENT LOAN ASSISTANCE GroupMASA #B2BESCR19 (800) 423 www.masamts.com3226 (866)GotZoom314 www.gotzoom.com8888 Benefit Contact Information 3

Employee benefits made easy through the FBS Benefits App! AllYour BenefitsOne App OR SCAN Text “FBS REG19” to (800) 583-6908 App Group #: FBSREG19 Text “FBS REG19” to (800) 583-6908 and get access to everything you need to complete your benefits enrollment: • Benefit Resources • Online Enrollment • Interactive Tools • And more! 4

1 www.mybenefitshub.com/region19 How to Log In 2 CLICK LOGIN 3 ENTER USERNAME & PASSWORD Your Username Is: Your email in THEbenefitsHUB. (Typically your work email) Your Password Is: Four (4) digits of your birth year followed by the last four (4) digits of your Social Security Number If you have previously logged in, you will use the password that you created, NOT the password format listed above. 5

SUMMARY PAGES

Annual Enrollment assistance is available by calling Financial Benefit Services at (866) 915 5202 to speak to a representative. speaking representatives are also available. Annual Open Enrollment Benefit elections will become effective 9/1/2022 (elections requiring evidence of insurability, such as life Insurance, may have a later effective date, if approved). After annual enrollment closes, benefit changes can only be made if you experience a qualifying event (and changes must be made within 30 days of event). Who do I contact with Questions? benefit questions, you can contact your Benefits/ HR department or you can call Financial Benefit Services at 866 914 5202 for assistance. Where can I find forms?

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Click the benefit plan you need information on (i.e., Dental) and you can find the forms you need under the Benefits and Forms section. How can I find a Network Provider? For benefit summaries and claim forms, go to the ESC Region 19 benefit website: www.mybenefitshub.com/ region19. Click on the benefit plan you need information on (i.e., Dental) and you can find provider search links under the Quick Links section.

Benefit Enrollment Important •

Spanish

When will I receive ID cards? If the insurance carrier provides ID cards, you can expect to receive those 3 4 weeks after your effective date. For most dental and vision plans, you can login to the carrier website and print a temporary ID card or simply give your provider the insurance company’s phone number and they can call and verify your coverage if you do not have an ID card at that time. If you do not receive your ID card, you can call the carrier’s customer service number to request another card. If the insurance carrier provides ID cards, but there are no changes to the plan, you typically will not receive a new ID card each year.

For benefit summaries and claim forms, go to your benefit website: www.mybenefitshub.com/region19.

For

Q&A

Actively at Work: You are performing your regular occupation for the employer on a full time basis, either at one of the employer’s usual places of business or at some location to which the employer’s business requires you to travel If you will not be actively at work beginning 9/1 please notify your benefits administrator.

Calendar Year: January 1st through December 31st

Out of Pocket Maximum: The most an eligible or insured person can pay in co insurance for covered Planexpenses.Year: September 1st through August 31st Pre Existing Conditions: Applies to any illness, injury or condition for which the participant has been under the care of a health care provider, taken prescriptions drugs or is under a health care provider’s orders to take drugs, or received medical care or services (including diagnostic and/or consultation services).

• Employees must review their personal information and verify that dependents they wish to provide coverage for are included in the dependent profile. Additionally, you must notify your employer of any discrepancy in personal and/or benefit information.

Annual Enrollment: The period during which existing employees are given the opportunity to enroll in or change their current elections.

Annual Deductible: The amount you pay each plan year before the plan begins to pay covered expenses.

Annual Enrollment: During your annual enrollment period, you have the opportunity to review, change or continue benefit elections each year. Changes are not permitted during the plan year (outside of annual enrollment) unless a Section 125 qualifying event occurs.

• Employees must confirm on each benefit screen (medical, dental, vision, etc.) that each dependent to be covered is selected in order to be included in the coverage for that particular benefit.

Co insurance: After any applicable deductible, your share of the cost of a covered health care service, calculated as a percentage (for example, 20%) of the allowed amount for the service.

Guaranteed Coverage: The amount of coverage you can elect without answering any medical questions or taking a health exam. Guaranteed coverage is only available during initial eligibility period. Actively at work and/or pre existing condition exclusion provisions do apply, as applicable by carrier.

SUMMARY PAGESHelpful Definitions 7

• Changes, additions or drops may be made only during the annual enrollment period without a qualifying event.

In Network: Doctors, hospitals, optometrists, dentists and other providers who have contracted with the plan as a network provider.

New Hire Enrollment: All new hire enrollment elections must be completed in the online enrollment system within the first 30 days of benefit eligibility employment. Failure to complete elections during this timeframe will result in the forfeiture of coverage.

Changes in benefit elections can occur only if you experience a qualifying event. You must present proof of a qualifying event to your Benefit Office within 30 days of your qualifying event and meet with your Benefit/HR Office to complete and sign the necessary paperwork in order to make a benefit election change. Benefit changes must be consistent with the qualifying event. IN (CIS):STATUS EVENTS

Enrollment is automatic unless you decline this benefit. Elections made during annual enrollment will become effective on the plan effective date and will remain in effect during the entire plan year.

EligibilityDependents'ofStatus

Gain or loss of Medicare/Medicaid coverage may trigger a permitted election change.

Change in employment status of the employee, or a spouse or dependent of the employee, that affects the individual's eligibility under an employer's plan includes commencement or termination of employment.

QUALIFYING

Judgment/Decree/Order

An event that causes an employee's dependent to satisfy or cease to satisfy coverage requirements under an employer's plan may include change in age, student, marital, employment or tax dependent status.

Section 125 Cafeteria Plan Guidelines CHANGES

SUMMARY PAGES

Marital Status

A change in marital status includes marriage, death of a spouse, divorce or annulment (legal separation is not recognized in all states).

If a judgment, decree, or order from a divorce, annulment or change in legal custody requires that you provide accident or health coverage for your dependent child (including a foster child who is your dependent), you may change your election to provide coverage for the dependent child. If the order requires that another individual (including your spouse and former spouse) covers the dependent child and provides coverage under that individual's plan, you may change your election to revoke coverage only for that dependent child and only if the other individual actually provides the coverage.

A change in number of dependents includes the following: birth, adoption and placement for adoption. You can add existing dependents not previously enrolled whenever a dependent gains eligibility as a result of a valid change in status event.

Eligibility for Government Programs

A Cafeteria plan enables you to save money by using pre tax dollars to pay for eligible group insurance premiums sponsored and offered by your employer.

Change in Number of Tax Dependents

Change in Status of Employment Affecting Coverage

Eligibility

Gain/Loss

Dependent Eligibility: You can cover eligible dependent children under a benefit that offers dependent coverage, provided you participate in the same benefit, through the maximum age listed below. Dependents cannot be double covered by married spouses within the district as both employees and dependents.

SUMMARY PAGES 9

Dependent RequirementsEligibility

Please note, in general, per IRS regulations, married couples may not enroll in both a Flexible Spending Account (FSA) and a Health Savings Account (HSA). If your spouse is covered under an FSA that reimburses for medical expenses then you and your spouse are not HSA eligible, even if you would not use your spouse's FSA to reimburse your expenses. However, there are some exceptions to the general limitation regarding specific types of FSAs. To obtain more information on whether you can enroll in a specific type of FSA or HSA as a married couple, please reach out to the FSA and/or HSA provider prior to enrolling or reach out to your tax advisor for further Potentialguidance.Dependent

If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your HR/Benefit Administrator to request a continuation of coverage. PLAN MAXIMUM AGE Medical To age 26 IndemnityHospital To age 26 Dental To age 26 Vision To age 26 Life and AD&D To age 26 Disability To age 26 Critical Illness To age 26 Accident To age 26

Potential Spouse Coverage Limitations: When enrolling in coverage, please keep in mind that some benefits may not allow you to cover your spouse as a dependent if your spouse is enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on spouse FSA/HSAeligibility.Limitations:

Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents.

Supplemental Benefits: Eligible employees must work 20 or more regularly scheduled hours each work week.

You acknowledge that you have read the limitations and exclusions that may apply to obtaining spouse and dependent coverage, including limitations and exclusions that may apply to enrollment in Flexible Spending Accounts and Health Savings Accounts as a married couple. You, the enrollee, shall hold harmless, defend, and indemnify Financial Benefit Services, LLC from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of the enrollee's enrollment in spouse and/or dependent coverage, including enrollment in Flexible Spending

Eligible employees must be actively at work on the plan effective date for new benefits to be effective, meaning you are physically capable of performing the functions of your job on the first day of work concurrent with the plan effective date. For example, if your 2022 benefits become effective on September 1, 2022, you must be actively at work on September 1, 2022 to be eligible for your new benefits.

Coverage Limitations: When enrolling for dependent coverage, please keep in mind that some benefits may not allow you to cover your eligible dependents if they are enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on dependent Disclaimer:eligibility.

Employee RequirementsEligibility

ABOUT MEDICAL Major medical insurance is a type of health care coverage that provides benefits for a broad range of medical expenses that may be incurred either on an inpatient or outpatient basis. For full plan details, please visit your benefit website: www.mybenefitshub.com/region19 Medical Insurance TRS EMPLOYEE BENEFITS Monthly Premium District Contribution Employee Cost TRS ActiveCare HD Employee Only $376.00 $376.00 $0.00 Employee & Spouse $1,058.00 $376.00 $682.00 Employee & Child(ren) $675.00 $376.00 $299.00 Employee & Family $1,265.00 $376.00 $889.00 TRS ActiveCare Primary Employee Only $362.00 $362.00 $0.00 Employee & Spouse $1,020.00 $362.00 $658.00 Employee & Child(ren) $650.00 $362.00 $288.00 Employee & Family $1,221.00 $362.00 $859.00 TRS ActiveCare Primary+ Employee Only $454.00 $454.00 $0.00 Employee & Spouse $1,110.00 $454.00 $656.00 Employee & Child(ren) $731.00 $454.00 $277.00 Employee & Family $1,396.00 $454.00 $942.00 10

ABOUT HOSPITAL INDEMNITY This is an affordable supplemental plan that pays you should you be in patient hospital confined. This plan complements your health insurance by helping you pay for costs left unpaid by your health insurance. For full plan details, please visit your benefit website: www.mybenefitshub.com/region19 Hospital Indemnity Prudential EMPLOYEE BENEFITS Hospital Indemnity Insurance issued by The Prudential Insurance Company of America (Prudential) pays you regardless of what your medical plan covers. Your benefits are paid directly to you to spend however you like, including out of pocket medical costs and everyday living expenses. Below is a summary of the coverage available to you, your spouse and child(ren). For a complete list of benefits, limitations, and exclusions, please refer to your Certificate of Coverage. This is a summary of benefits and does not include all plan provisions, exclusions, and limitations. If there is a discrepancy between this document and the group contract issued by The Prudential Insurance Company of America, the terms of the group contract will govern. Benefit HospitalType:Benefits Benefit Limits High Plan Benefit Amounts Low Plan Benefit Amounts Hospital Admission 5 times per calendar year $2,500 $1,500 ICU Admission 5 times per calendar year $2,500 $1,500 In Hospital Stay Up to 3 confinements per calendar. When an admission benefit is paid, the confinement benefit pays on day 2. $200 $200 Hospital ICU Stay Up to 3 times per calendar year. When an admission benefit is paid, the confinement benefit pays on day 2. $200 $200 Hospital IndemnityLow High Employee Only $17.89 $31.19 Employee and Spouse $31.50 $54.64 Employee and Child(ren) $25.70 $44.50 Employee and Family $41.22 $71.40 16

ABOUT DENTAL Dental insurance is a coverage that helps defray the costs of dental care. It insures against the expense of routine care, dental treatment and Fordisease.fullplan details, please visit your benefit website: www.mybenefitshub.com/region19 Dental Insurance Lincoln Financial Group EMPLOYEE BENEFITS Dental Low High Employee Only $16.08 $23.42 Employee and Spouse $32.16 $46.86 Employee and Child(ren) $38.54 $56.14 Employee and Family $54.82 $79.84 The Lincoln Dental PPO LOW Contracting Dentists Non Contracting Dentists Calendar (Annual) Deductible Individual: $50 Family: $150 Waived for: Preventive Individual: $50 Family: $150 Waived for: Preventive Deductibles are combined for basic and major Contracting Dentists’ services. Deductibles are combined for basic and major Non Contracting Dentists’ services. Annual Maximum $1,000 $1,000 Lifetime Orthodontic Max $1,000 $1,000 Waiting Period There are no benefit waiting periods for any service types Preventive Services Routine oral exams Bitewing X rays Full mouth or panoramic X rays Other dental X rays including periapical films Routine cleanings Fluoride treatments Space maintainers for children Palliative treatment including emergency relief of dental pain Sealants 80% No Deductible 80% No Deductible Basic ProblemServicesfocused exams Injections of antibiotics and other therapeutic medications SimpleFillings Generalextractionsanesthesia and I.V. sedation 50% After Deductible 50% After Deductible Major PrefabricatedConsultationsServicesstainless steel and resin crowns Surgical extractions Oral surgery Biopsy and examination of oral tissue including brush biopsy Prosthetic repair and cementation services Endodontics including root canal treatment 50% After Deductible 50% After Deductible AppliancesStudyExtractionsXOrthodonticOrthodonticsexamsraysmodels 50% 50% 17

The Lincoln Dental PPO HIGH Contracting Dentists Non Contracting Dentists Calendar (Annual) Deductible Individual: $50 Family: $150 Waived for: Preventive Individual: $50 Family: $150 Waived for: Preventive Deductibles are combined for basic and major Contracting Dentists’ services. Deductibles are combined for basic and major Non Contracting Dentists’ services. Annual Maximum $1,000 $1,000 Lifetime Orthodontic Max $1,000 $1,000 Waiting Period There are no benefit waiting periods for any service types Preventive Services Routine oral exams Bitewing X rays Full mouth or panoramic X rays Other dental X rays including periapical films Routine SpaceFluoridecleaningstreatmentsmaintainersfor children Palliative treatment including emergency relief of dental pain Sealants 100% No Deductible 100% No Deductible Basic ProblemServicesfocused exams Injections of antibiotics and other therapeutic medications Fillings Simple Generalextractionsanesthesia and I.V. sedation 80% After Deductible 80% After Deductible Major Services PrefabricatedConsultations stainless steel and resin crowns Surgical extractions Oral Biopsysurgeryandexamination of oral tissue including brush biopsy Prosthetic repair and re cementation services Endodontics including root canal treatment 50% After Deductible 50% After Deductible AppliancesStudyExtractionsXOrthodonticOrthodonticsexamsraysmodels 50% 50% Dental Insurance Lincoln Financial Group EMPLOYEE BENEFITS You can request your dental ID card by contacting Lincoln Financial Dental directly at 800 423 2765. Contracting Dentists/Non Contracting Dentists: Visit www.LincolnFinancial.com/FindADentist to find a contracting dentist near you. This plan lets you choose any dentist you wish. However, your out of pocket costs are likely to be lower when you choose a contracting Contractingdentist.Dentists: you pay a deductible (if applicable), then 50% of the remaining discounted fee for PPO members. This is known as a PPO contracted fee. Non Contracting Dentists: you pay a deductible (if applicable), then 50% of the usual and customary fee, which is the maximum expense covered by the plan. You are responsible for the different between the usual and customary fee and the dentist’s billed charge. 18

ABOUT VISION NEW CARRIER! Vision insurance provides coverage for routine eye examinations and can help with covering some of the costs for eyeglass frames, lenses or contact lenses. For full plan details, please visit your benefit website: www.mybenefitshub.com/region19 Vision Insurance Superior Vision EMPLOYEE BENEFITS Non Covered Services Discounts5 Amount Exams, frames, prescription lenses 30% off retail Contacts, miscellaneous options 20% off retail Disposable contact lenses 10% off retail Retinal imaging $39 cost Lenses (per pair) In Network Coverage Out of Network Reimbursement Single vision Covered in full Up to $30 Bifocal Covered in full Up to $50 Trifocal Covered in full Up to $65 Progressives See description3 Up to $65 Vision Copays Frequency Employee Only $6.25 Exam $10 Exam 1 per Plan Year Employee and Spouse $13.14 Materials1 $25 Frame 1 per Plan Year Employee and Child(ren) $10.94 Contact lens fitting $25 Contact Lens Fitting 1 per Plan Year Employee and Family $16.27 (standard & specialty) Eyeglass Lenses 1 Pair per Plan Year Contact Lenses 1 allowance per Plan Year How to Print your Vision ID Card: You can request your vision id card by contacting Superior Vision directly at 800 507 3800. You can also go to www.superiorvision.com and register/login to access your account by clicking on “Members” at the top of the page. You can also download the Superior Vision mobile app on your smart phone. Lens Add Ons Your Cost Anti scratch coating Covered in full Ultraviolet coating Covered in full Tints solid / gradient Covered in full Polycarbonate lenses for dependent children Covered in full Polycarbonate lenses for adults $40 Blue light filtering $15 Digital single vision $30 Progressive lenses (standard / premium / ultra / ultimate) $55 / $110 / $150 / $225 Anti reflective coating (standard / premium / ultra / ultimate) $50 / $70 / $85 / $120 Polarized lenses $75 LASIK Discounts5 Multiple discounts on laser vision correction procedures may be available to you. To learn more, visit superiorvision.com or contact your benefits coordinator. Hearing Aid Discounts5 Through Your Hearing Network, you have access to discounts on hearing services, devices, and accessories. To learn more, visit superiorvision.com or contact your benefits coordinator. Free Mobile App With the free Superior Vision app (available for Android and Apple devices), you can create an account, check your eligibility and benefits, find providers, and view your member ID card. Additional coverage information can be found on employee portal 19

Disability per $100 in benefit Elimination Period 40% Plan 50% Plan 60%

Who is eligible? You are eligible for disability coverage if you are an active employee in the United States working a minimum of 20 hours per week. What is my monthly benefit amount? You can elect to purchase a benefit of 30%, 40%, 50% or 60% of your monthly earnings. What is my maximum monthly benefit amount?

Benefits under this provision are payable for no more than 90 days of benefit from the date of disability. After 90 days, benefits are subject to a 3/12 pre existing condition exclusion. In no event will benefits be paid beyond the applicable benefit duration. This applies to the 9/1/2022 enrollment only and new hires. Late entrants will be subject to a 3/12 pre ex. For additional information on plan please visit employee portal website Plan

Elimination Period Options: Option 1: 14 days/14 days first day hospital Option 2: 30 days/30 days first day hospital Option 3: 90 days/90 days Option 4: 180 days/180 days During your elimination period, you will be considered disabled if you are limited from performing the material and substantial duties of your regular occupation due to your sickness or injury, you are under the regular care of a physician and you are unable to perform any of the material and substantial duties of your regular occupation due to the same sickness or injury.

Your total monthly benefit (including all benefits provided under this plan) will not exceed 100% of your monthly earnings unless the excess amount is payable as a Cost of Living Adjustment.

14/14 $2.78 $3.08 $3.50 30/30 $2.25 $2.51 $2.87 60/60 $1.33 $1.49 $1.78 90/90 $1.17 $1.31 $1.58 180/180 $0.88 $0.92 $1.13 20

• You received medical treatment, consultation, care or services including diagnostic measures, or took prescribed drugs or medicines in the 3 months just prior to your effective date of coverage; and

Disability Insurance

Unum EMPLOYEE BENEFITS

If, because of your disability, you are hospital confined as an inpatient, benefits begin on the first day of inpatient confinement. Inpatient means that you are confined to a hospital room due to your sickness or injury for 23 or more consecutive hours. Your admission and discharge dates and time must be 23 or more consecutive hours apart. (Applies to Elimination Periods of 30 days or less.)

The elimination period is the length of time you must be continuously disabled before you can receive benefits.

For full plan details, please visit your benefit website: www.mybenefitshub.com/region19

• The disability begins in the first 12 months after your effective date of coverage.

How long do I have to wait to receive benefits?

ABOUT DISABILITY

What is considered a pre existing condition?

You have a pre existing condition if:

Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time.

ABOUT ACCIDENT NEW CARRIER! Do you have kids playing sports, are you a weekend warrior, or maybe accident prone? Accident plans are designed to help pay for medical costs associated with accidents and benefits are paid directly to you. For full plan details, please visit your benefit website: www.mybenefitshub.com/region19 Accident Insurance Lincoln Financial Group EMPLOYEE BENEFITS Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident that occurs, on or after your coverage effective date. The benefit amount depends on the type of injury and care received. Accident Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. How can Accident Insurance help? • Emergency Treatment • Fractures:  Fracture benefits listed are nonsurgical. Treatment for the fracture must occur within 90 days of the accident. The combined maximum of all fractures is two times the highest fracture payable. • Dislocations:  Dislocation benefits listed are nonsurgical. Treatment for the dislocation must occur within 90 days of the accident. The combined maximum of all dislocations is two times the highest dislocation payable. • Specific Injuries:  A full breakdown of injuries can be access on the employee portal.  Benefits will be paid up to two times the highest surgical benefit payable for all surgeries • Hospitalization an Ongoing Care • Recovery Assistance • Accident Death & Dismemberment Benefit Health Assessment/ Wellness Benefit You receive a cash benefit every year you and any of your covered family members complete a single covered assessment test $50 Additional Plan Benefits • Portability • Child Sports Injury Benefit Please note that with any insurance policy exclusions do apply. Be sure to access plan summary on employee benefits portal or if you have Questions? Call 800 423 2765 and mention ID: EDUSERV19. Accident Low High Employee Only $7.24 $12.10 Employee and Spouse $12.33 $20.15 Employee and Child(ren) $14.15 $22.52 Employee and Family $19.06 $30.36 21

ABOUT CRITICAL ILLNESS Critical illness insurance can be used towards medical or other expenses. It provides a lump sum benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke. The money can also be used for non medical costs related to the illness, including transportation, child care, etc. For full plan details, please visit your benefit website: www.mybenefitshub.com/region19 Critical Illness Insurance Unum EMPLOYEE BENEFITS Critical Illness insurance provides financial protection by paying a lump sum benefit if you are diagnosed with a covered critical illness. To file a claim call UNUM at 800 858 6843 or find claim form at Criticalwww.mybenefitshub.com/region19Illness Employee $15,000.00 $20,000.00 $30,000.00 > 25 4.84/$3.34 $5.84 $7.84 25 29 $6.19 $7.64 $10.54 30 34 $7.99 $10.04 $14.14 35 39 $11.14 $14.24 $20.44 40 44 $14.59 $18.84 $27.34 45 49 $19.09 $24.84 $36.34 50 54 $23.59 $30.84 $45.34 55 59 $31.69 $41.64 $61.54 60 64 $44.14 $58.24 $86.44 65 69 $63.64 $84.24 $125.44 70 74 $99.79 $123.44 $197.74 75 79 $148.69 $197.64 $295.54 80 84 $218.74 $297.04 $435.64 85+ $354.04 $471.44 $706.24 Who is eligible for this coverage? All employees in active employment in the United States working at least 20 hours per week and their eligible spouses and children (up to age 26 regardless of student or marital status). What are the Critical Illness coverage amounts? The following coverage amounts are available. For you: Select one of the following Choice $15,000, $20,000 or $30,000 For your Spouse: 50% of employee coverage amount For your Children: 50% of employee coverage amount Can I be denied coverage? Coverage is guarantee issue. When is coverage effective? Please see your Plan Administrator for your effective date of coverage. Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective. 22

The pre existing condition provision applies to any Insured’s initial coverage and any increases in coverage. Coverage effective date refers to the date any initial coverage or increases in coverage become effective.

An insured has a pre existing condition if, within the 3 months just prior to their coverage effective date, they have an injury or sickness, whether diagnosed or not, for which:

• medical treatment, consultation, care or services, or diagnostic measures were received or recommended to be received during that period;

• drugs or medications were taken, or prescribed to be taken during that period; or • symptoms existed.

Covered Conditions* Percentage of CoverageWhat is covered? Critical Illnesses Coronary Artery Disease (major) 50% Coronary Artery Disease (minor) 10% End Stage Renal (Kidney) Failure 100% Heart Attack (Myocardial Infarction) 100% Major Organ Failure Requiring Transplant 100% Stroke 100% CancerInvasive Cancer (including all Breast Cancer) 100% Non Invasive Cancer 25% Skin Cancer $500 Supplemental Critical Illnesses Benign Brain Tumor 100% Coma 100% Loss of Hearing 100% Loss of Sight 100% Loss of Speech 100% Infectious Disease 25% Occupational Human Immunodeficiency Virus (HIV) or Hepatitis 100% Permanent Paralysis 100% Progressive Diseases Amyotrophic Lateral Sclerosis (ALS) 100% Dementia (including Alzheimer’s Disease) 100% Functional Loss 100% Multiple Sclerosis (MS) 100% Parkinson’s Disease 100% Are wellness Screenings covered? Each insured is eligible to receive one Be Well Benefit per calendar year. Be Well Benefit For you, your spouse, and your children: $50 Be Well Screenings include tests for the following: cholesterol and diabetes, cancer, and cardiovascular function. They also include imaging studies, immunizations, and annual examinations by a Physician. See certificate for details. Critical Illness Insurance Unum EMPLOYEE BENEFITS Additional Critical Illnesses for your Children Cerebral Palsy 100% Cleft Lip or Palate 100% Cystic Fibrosis 100% Down Syndrome 100% Spina Bifida 100% *Please refer to the policy for complete definitions of covered conditions. Pre existing Conditions We will not pay benefits for a claim when the covered loss occurs in the first 12 months following an insured’s coverage effective date and the covered loss is caused by, contributed to by, or occurs because of any of the following: • a pre existing condition; or • complications arising from treatment or surgery for, or medications taken for, a pre existing condition.

Life and AD&D Lincoln Financial Group ABOUT LIFE AND AD&D NEW CARRIER! Group term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well being of your family. Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered. For full plan details, please visit your benefit website: www.mybenefitshub.com/region19 EMPLOYEE BENEFITS Basic Life Safeguard the most important people in your life. Consider what your loved ones may face after you’re gone. Term life insurance can help them in so many ways, like helping to cover everyday expenses, pay off debt, and protect savings. Accidental death and dismemberment (AD&D) insurance provides additional benefits if you die or suffer a covered loss in an accident, such as losing a limb or your eyesight. AT A GLANCE: • A cash benefit of $25,000 to your loved ones in the event of your death, plus an additional cash benefit if you die in an accident • AD&D Plus: if you suffer an AD&D covered loss in an accident, you may also receive benefits for the following in addition to your core AD&D benefits: coma, plegia, education, childcare, spouse training. Additional conditions are outlined in your policy. • Includes LifeKeys® services, which provide access to counseling, financial, and legal support services. • TravelConnect® services, which give you and your family access to emergency medical assistance when you’re on a trip 100+ miles from home. Voluntary Group Life per $10,000 in coverage Age Employee 18 29 $0.65 30 34 $0.75 35 39 $0.85 40 44 $1.25 45 49 $2.05 50 54 $3.35 55 59 $4.75 60 64 $5.75 65 69 $10.45 70 74 $17.75 75+ $34.35 Voluntary Group Life$10,000Child(ren)incoverage 0 26 $1.75 Spouse rates based on Employee's age. ADDITIONAL ContinuationDETAILSofcoverage for ceasing active work: You may be able to continue your coverage if you leave your job for reasons including and not limited to Family and Medical Leave, lay off, leave of absence, leave of absence due to disability. Waiver of premium: This provision relieves you from paying premiums during a period of disability that has lasted for a specified length of Acceleratedtime.death benefit: Enables you to receive a portion of your policy death benefit while you are living. To qualify, a medical professional must diagnose you with a terminal illness with a life expectancy of fewer than 12 months. Conversion: You may be able to convert your group term life coverage to an individual life insurance policy if your coverage decreases or you lose coverage due to leaving your job or for other reasons outlined in the plan contract. Benefit reduction: Your employee Life/AD&D coverage amount will reduce by 50% when you reach age 75. Benefits end when you retire. 24

Maximum coverage amount

Dependent spouse:

Life and AD&D Lincoln Financial Group EMPLOYEE BENEFITS Voluntary Life NEW CoverageEmployeeCARRIER!LifeOptions Increments of $10,000 Guaranteed Life coverage amount $250,000 Maximum coverage amount 7 times your annual salary ($500,000 maximum in increments of $10,000) Minimum coverage amount $10,000 Spouse Life: The amount of dependent Life Insurance coverage ca not be greater than 100% of the employee benefit. Coverage Options $5,000 Maximum coverage amount for Spouse This amount may not exceed the lesser of 7 times employee annual earnings(round up to the nearest $1,000) Minimum coverage amount $5,000 Dependent Children Life Guaranteed coverage amount for dependent Live birth but under 26 years $10,000 Additional Plan Benefits Waiver of Premium Included Portability Included Accelerated Death Benefit Included Conversion Included Guaranteed Life Coverage Amount: Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to $250,000 without providing evidence of insurability. Annual Limited Enrollment: If you are a continuing employee, you can increase your coverage amount by $10,000 without providing evidence of insurability. If you submitted evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability.

Your spouse AD&D

• Includes TravelConnect® services,

You

You can

AD&D NEW CARRIER! • Provides a cash benefit to your loved

Increments of $5,000 This amount may not exceed $500,000 secure AD&D insurance for if you select coverage for yourself. coverage amount will reduce by 50% when you reach age 75. Benefits end when you retire. $10,000 can secure AD&D insurance for your dependent children if you select coverage for yourself.

If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense. can increase this amount by up to $20,000 during the next limited open enrollment period. ones if you die in an accident if you suffer a covered loss in an accident, such as losing a limb or your eyesight provide access to counseling, financial, and legal support which give you and your family access to emergency medical assistance when you’re on a trip

Maximum coverage amount

• Features group rates for employees • Includes LifeKeys® services, which

Coverage Options

• Provides a cash benefit to you

Increments of $10,000

This amount may not exceed the lesser of seven times annual earnings or $500,000 coverage amount will reduce by 50% when you reach age 75. Benefits end when you retire. The amount of dependent AD&D insurance coverage cannot be greater than 100% of the employee benefit.

your spouse

100+ miles from home CoverageEmployeeOptions

Dependent child(ren) Coverage Options

Your employee AD&D

www.mybenefitshub.com/region19

ABOUT MEDICAL TRANSPORT

EmergentTransportationPlus Platinum Employee and Family $14.00 $39.99 Emergent Plus Membership Platinum Membership Emergency Air Transportation x x Emergent Ground Transportation x x Non Emergency Inter Facility Transportation x x Repatriation/Recuperation x x Escort Transportation x Visitor Transportation x Return Transportation x Mortal Remains Transportation x Minor Return x Organ Retrieval/Organ Recipient Transportation x Vehicle Return x Pet Return x Worldwide Coverage x 26

Transport MASA EMPLOYEE BENEFITS

Non Emergency Inter Facility Transportation In the event that a member is in stable condition in a medical facility but requires a heightened level of care that is not available at their current medical facility, Members have access to non emergency air or ground transportation between medical facilities.

Emergency Medical

Medical Transport covers emergency transportation to and from appropriate medical facilities by covering the out of pocket costs that are not covered by insurance. It can include emergency transportation via ground ambulance, air ambulance and helicopter, depending on the plan. visit your benefit website:

A MASA MTS Membership provides the ultimate peace of mind at an affordable rate for emergency ground and air transportation service within the United States and Canada, regardless of whether the provider is in or out of a given group healthcare benefits network. If a member has a high deductible health plan that is compatible with a health savings account, benefits will become available under the MASA membership for expenses incurred for medical care (as defined under Internal Revenue Code (“IRC”) section 213 (d)) once a member satisfies the applicable statutory minimum deductible under IRC section 223(c) for high deductible health plan coverage that is compatible with a health savings account.

Emergent Air Transportation In the event of a serious medical emergency, Members have access to emergency air transportation into a medical facility or between medical Emergentfacilities.Ground Transportation In the event of a serious medical emergency, Members have access to emergency ground transportation into a medical facility or between medical facilities.

Repatriation/Recuperation Suppose you or a family member is hospitalized more than 100 miles from your home. In that case, you have benefit coverage for air or ground medical transportation into a medical facility closer to your home for recuperation. Medical

Emergency

For full plan details, please

ABOUT STUDENT LOAN ASSISTANCE Student Loan debt in the United States currently exceeds $1.4 trillion dollars. If you are one of the millions of Americans that are stressed and struggling with high levels of student loan debt, this is a program that may provide student loan relief to those who qualify. For full plan details, please visit your benefit website: www.mybenefitshub.com/region19 Student Loan Assistance GotZoom EMPLOYEE BENEFITS Your Path to Student Loan Relief Reduce your Student Loan Debt by 65% What’s GotZoom? An established company with a seven year track record of performance and customer satisfaction. The leader in student debt reduction services. Where to Start Go to the enrollment page: https://mystudentloan2.net/ Click on Enroll Now Employee Benefits GotZoom monitors DOE programs and reviews the employee's status annually to find any additional debt reduction options. Service Fee Employee's loan analysis and Benefits Summary are free (no obligation) Service fees apply only after the employee has reviewed and approved repayment/ forgiveness programs Application Fee: $307. Annual Fee: $359.40 (Monthly Option: $32.95) 27

Enrollment Guide General Disclaimer: This summary of benefits for employees is meant only as a brief description of some of the programs for which employees may be eligible. This summary does not include specific plan details. You must refer to the specific plan documentation for specific plan details such as coverage expenses, limitations, exclusions, and other plan terms, which can be found at the ESC Region 19 Benefits Website. This summary does not replace or amend the underlying plan documentation. In the event of a discrepancy between this summary and the plan documentation the plan documentation governs. All plans and benefits described in this summary may be discontinued, increased, decreased, or altered at any time with or without notice.

2022 - 2023 PlanYear

WWW.MYBENEFITSHUB.COM/REGION19

Rate Sheet General Disclaimer: The rate information provided in this guide is subject to change at any time by your employer and/or the plan provider. The rate information included herein, does not guarantee coverage or change or otherwise interpret the terms of the specific plan documentation, available at the ESC Region 19 Benefits Website, which may include additional exclusions and limitations and may require an application for coverage to determine eligibility for the health benefit plan. To the extent the information provided in this summary is inconsistent with the specific plan documentation, the provisions of the specific plan documentation will govern in all cases.