HARMONY ONLINE ENROLLMENT:

HELPFUL TIPS:

• If you are a new employee and unable to log into the online system, please speak with the Benefits Representative assigned to your location, or contact Human Resources.

• If you are an existing employee and unable to log into the online system, please contact the Harmony Help Desk at 866-875-4772 between 8:30am and 6:00pm, or speak with the Benefits Representative assigned to your location.

Go to https://harmonyenroll.coloniallife.com

• Enter your User Name: CLE6D7N- and then Last Name and then Last 4 of Social Security Number (CLE6D7N-SMITH6789)

• Enter your Password: Four digit Year of Birth and then Last 4 of Social Security Number (19766789)

The screen prompts you to create a NEW password [____________________________].

Your password must have: 1 lowercase letter, 1 uppercase letter, 1 number and 8 characters minimum Your password cannot include: first name, last name, spaces, special characters (such as ! $ % &) or User ID

Choose a security question and enter answer [______________________________________].

Click on ‘I Agree’ and then “Enter My Enrollment”.

The screen shows ‘Me & My Family’. Verify that the information is correct and enter the additional required information (title, marital status, work phone, e-mail address). Click ‘Save & Continue’ twice.

The screen allows you to add family members. It is only necessary to enter family member information if adding or including family members in your coverage. Click ‘Continue’.

The screen shows updated personal information. Verify that the information is correct and make changes if necessary. Click ‘Continue’.

The screen shows ‘My Benefits’. Review your current benefits and make changes/selections for the upcoming plan year.

• HEALTH CARE FSA: Enter annual amount. MAX $3,050/year MIN $300/year

• DEPENDENT CARE FSA: Enter annual amount. MAX $5,000/year

• DENTAL: You may enroll online in Dental coverage.

• VISION: You may enroll online in Vision coverage.

• GROUP TERM LIFE: You may enroll online in Group Term Life coverage.

• LONG-TERM DISABILITY: You may enroll online in Long-Term Disability coverage.

• LEGAL PLAN: You may enroll online in Legal coverage.

<<< enrollment instructions continued on next page >>>

• CANCER ASSIST

You may enroll online in Cancer Assist coverage.

• DISABILITY - EDUCATOR DISABILITY ADVANTAGE (EDA1100)

You may enroll online in EDA1100 coverage.

• ACCIDENT 1.0

You may enroll online in Accident 1.0; however, persons over age 64 applying for coverage and employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

• MEDICAL BRIDGE

You may enroll online in Medical Bridge coverage.

• CRITICAL ILLNESS 6000

You may enroll online in Critical Illness 6000 coverage.

• TERM LIFE 5000

You may enroll online in Term Life 5000; however, employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

• WHOLE LIFE 5000 Plus

You may enroll online in Whole Life 5000 Plus; however, employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

Click ‘Finish’.

Click ‘I Agree’ to electronically sign the authorization for your benefit elections.

Click ‘Print a copy of your Elections’ to print a copy of your elections, or download and save the document. Please do not forget this important step!

Click ‘Log out & close your browser window’ and click ‘Log Out’.

Participating in a healthcare flexible spending account (FSA) is like receiving a 30% discount from your medical providers.

How does a healthcare FSA work?

A healthcare FSA is a flexible spending account that allows you to set aside pre-tax dollars for eligible medical, dental, and vision expenses for you and your dependents, even if they are not covered under your primary health plan.

You choose an annual election amount. At the beginning of the plan year, your account is pre-funded and your full contribution is immediately available for use. Your election amount is then deducted from your paychecks in equal installments throughout the year.

Why should I enroll in a healthcare FSA?

Almost everyone has some level of predictable and nonreimbursable medical needs.

If you expect to incur medical expenses that won’t be reimbursed by another plan, you’ll want to take advantage of the savings this plan offers. Money contributed to a healthcare FSA is free from federal and state taxes and remains tax-free when it is spent on eligible expenses. On average, participants enjoy a 30% tax savings on their annual contribution. This means you could be saving up to $800 per year on healthcare expenses!

How do I use my FSA to pay for healthcare expenses?

You can use your Debit Card to pay your providers for eligible healthcare expenses, or pay with your personal funds and submit a claim for reimbursement.

Qualifying expenses

What qualifies?

Healthcare FSA funds can cover costs for: y Copays, deductible payments, coinsurance y Doctor office visits, exams, lab work, x-rays y Hospital charges y Prescription drugs y Dental exams, x-rays, fillings, crowns, orthodontia y Vision exams, frames, contact lenses, contact lens solution, laser vision correction y Physical therapy y Chiropractic care y Medical supplies and first aid kits

What doesn’t qualify?

Certain expenses are not eligible, for instance: y Expenses incurred in a prior plan year y Cosmetic procedures or surgery y Dental products for general health y Hygiene products y Insurance premiums y Late payment fees charged by healthcare providers y Over-the-counter medications y And much more…

Online & mobile access

Get instant access to your account with the IMS Flex Portal and IMS Flex Weathcare Mobile App y View your account balance and transaction history y Submit and view claims y Upload and store receipts

Register for the IMS Flex Portal at www. healthierbenefits.com

Helpful hints

y View important alerts and communications y Sign up for direct deposit y Sign up for text message alerts Download y Your full election amount is available on the first day of the plan year, which means you’ll have access to the money you need, when you need it. y You can’t change your election amount during the plan year, unless you experience a change in status or qualifying event. y Save your receipts when you spend your healthcare FSA dollars. You may need itemized invoices to verify the eligibility of expenses or for reimbursement requests. y The easiest way to manage your account is online at www.healthierbenefits.com or through the IMS Flex Weathcare Mobile App. y You can’t contribute to an FSA and an HSA within the same plan year. As a married couple, one spouse cannot be enrolled in an FSA at the same time the other is contributing to an HSA.

Acomprehensivelistofeligibleexpensescanbe found at www.healthierbenefits.com. www.healthierbenefits.com

Participating in a dependent care flexible spending account (FSA) is like receiving a 30% discount from your care provider.

How does a dependent care FSA work?

A dependent care FSA is a flexible spending account that allows you to set aside pre-tax dollars for dependent care expenses, such as daycare, that allow you to work or look for work.

You choose an annual election amount, up to $5,000 per family. The money is placed in your account via payroll deduction, in equal installments, and then used to pay for eligible dependent care expenses incurred during the plan year.

Why should I enroll in a dependent care FSA?

Child and dependent care is a large expense for many families. Millions of people rely on child care to be able to work, while others are responsible for older parents or disabled family members.

If you pay for care of dependents in order to work, you’ll want to take advantage of the savings this plan offers. Money contributed to a dependent care account is free from federal and state taxes and remains tax-free when it is spent on eligible expenses. On average, participants enjoy a 30% tax savings on their annual contribution. This means you could be saving up to $1,500 per year on dependent care expenses!

How do I use my FSA to pay for dependent care expenses?

You can use your Debit Card to pay your provider for eligible dependent care expenses, or pay with your personal funds and submit a claim for reimbursement.

Qualifying expenses

What qualifies?

Dependent care FSA funds can cover costs for: y Before school or after school care for children 12 and younger y Custodial care for dependent adults y Licensed day care centers y Nanny / Au Pair y Nursery schools or preschools y Late pick-up fees y Summer or holiday day camps

What doesn’t qualify? Certain expenses are not eligible, for instance: y Expenses incurred in a prior plan year y Expenses for non-disabled children 13 and older y Educational expenses including kindergarten or private school tuition fees y Food, clothing, sports lessons, field trips, and entertainment y Overnight camp expenses y Late payment fees for child care

Online & mobile access

Get instant access to your account with the IMS Flex Portal and IMS Flex Weathcare Mobile App y View your account balance and transaction history y Submit and view claims y Upload and store receipts

Register for the IMS Flex Portal at www.healthierbenefits.com

Helpful hints

y View important alerts and communications y Sign up for direct deposit y Sign up for text message alerts

Download

Acomprehensivelistofeligibleexpensescanbefoundatwww.healthierbenefits.com. www.healthierbenefits.com y You must have funds in your dependent care FSA before you can spend them. y You can’t change your election amount during the plan year, unless you experience a change in status or qualifying event. y Keep your receipts, you will need an itemized invoice for all reimbursement requests. y The easiest way to manage your account is online at www.healthierbenefits.com or through the IMS Flex Weathcare Mobile App. y Any unused funds t hat remain in your account at the end of the year will be forfeited. Plan carefully and use all the money in your dependent care FSA by the end of the plan year.

Teladoc

Connect in under 10 minutes to US-based, board certified physicians who can answer questions, diagnose and even prescribe when necessary.

Pharmacy Discount Card

Save up to 75% on your prescription medication using our pharmacy discount card. It’s easy to use and accepted at over 50,000 pharmacies nationwide!

Life Assistance

Access to professional Life Counselors and specialists who can help you achieve balance in your personal, family and work life is just a call away.

Bill Saver

Our Bill Saver program can help reduce the amount you owe for medical and dental bills over $400, often resulting in savings between 25-50%.

Explanation of Benefits

The Call A Doctor Plus program provides your team with fast, convenient, 24/7 access to quality care by phone, video or mobile app. Here is more information about each service offered, including how to access the benefit.

Teladoc – Talk to a doctor in minutes

Teladoc provides your team with 24/7 phone or video access to doctors who can diagnose common medical conditions, provide treatment plans, and even write prescriptions when needed. Whether they’re on vacation or it’s 2 in the morning, your team can have access to the care they need, when they need it.

Key Benefits: à Talk to a doctor in 10 minutes on average à No co-pays, deductibles or per-call charges à 92% of issues are resolved on the first call à US-based, board-certified doctors à Connect 24/7/365 by phone, video or app à Get answers, prescriptions and treatment plans

Get Started in 3 Easy Steps!

1.Visit Teladoc.com or call (800) 835-2362 and select the option to ‘set up your account’.

2.Be prepared to provide the following information a.First Name b.Last Name c.Date of Birth d.Zip Code e.Email Address: your primary email address f.Preferred Language g.Gender h.The name of your employer

3.Follow the rest of the steps, complete your medical history and you’re all set!

Note: if trying to register online and your account cannot be found, please call (800) 8352362 so that Teladoc’s Client Service team can help you locate and set up your account.

Once you are finished, you can add dependents and download the mobile app.

Contact Teladoc à Phone: (800) 835-2362 à Online: www.teladoc.com