Employee Benefits Open Enrollment 2020-2021: Plans, Options, and Details

Employee Benefits Open Enrollment Medical Dental Vision Health Funding Accounts Ancillary Benefits Plan Year 2020-2021

Welcome to Open Enrollment! Elections made during open enrollment will become effective Wednesday July 1, 2020. Bennett Contracting has chosen to offer you and your eligible family members a high quality, comprehensive benefits program. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family.

Benefit Offerings: Continued Benefits: MVP Medical 4 plans, some changes to deductibles and max out of pocket amounts. CDPHP Medical- 4 plans, NEW Gold 223 HMO plan replaces Silver 328 Guardian Dental 3 plan options, no changes Guardian Vision 2 plan options, no changes United Concierge Telemedicine no changes Guardian Life Insurance no changes Guardian Long Term Disability no changes Transamerica Short Term Disability being replaced by MetLife Transamerica Critical Illness being replaced by MetLife Health Spending Account, Flexible Spending, Dependent Care increased 2020 IRS Max plus expanded list of over the counter (OTC) o o o o o o o o o o **** 8 total medical plans to choose from between MVP & CDPHP ****

Option 1 Gold EPO 4 Option 2 Silver EPO 1 Option 3 Silver HDEPO 8 (HSA) Option 4 Bronze HDEPO 3 (HSA)

2020-2021 MVP Benefit Offerings: Plan Options: #1 Gold EPO 4 # 2 Silver EPO 1 #3 Silver HDEPO 8 (HSA) #4 Bronze HDEPO 3 (HSA) Deductible: Individual/Family $2,100/$4,200 Embedded $3,900/$7,800 Embedded $5,900/$11,800 Embedded N/A Out of Pocket Maximum: Individual/Family $6,750/$13,500 Embedded $7,050/$14,100 Embedded $6,000/$12,000 Embedded $6,750/$13,500 Embedded PCP: $40 $30 Deductible then Covered in Full Deductible then $30 Specialist: $60 Deductible then $50 Deductible then Covered in Full Deductible then $50 Urgent Care: $60 Deductible then $50 Deductible then Covered in Full Deductible then $50 Emergency: $500 Deductible then $350 Deductible then Covered in Full Deductible then $300 In-Patient Hospitalization: $750 Deductible then 20% Deductible then Covered in Full Deductible then 30% Prescription Deductible: $100/$200 (Tier 2 & 3 Only) Integrated with Medical Deductible Integrated with Medical Deductible N/A Rx Tier 1: Rx Tier 2: Rx Tier 3: $10 $40 $60 $15 Medical Deductible then $15 Medical Deductible then $40 Medical Deductible then $60 Medical Deductible then $10 Medical Deductible then $40 Medical Deductible then $60 Rx Deductible then $35 Rx Deductible then $70 Telemedicine: $40 $30 Deductible then Covered in Full Deductible then $30 Wellness: Up to $600 Up to $600 Up to $600 Up to $600

Option 1 Gold Embrace Health EPO 221 Option 2 Gold SD-HDHMO 223, NEW ! Option 3 Silver HDHMO 324 (HSA) Option 4 Bronze HDEPO 421 (HSA)

2020-2021 CDPHP Benefit Offerings: Plan Options: Gold EPO 221 Gold Silver Bronze HDHMO 223 (Non-Q) HDHMO 324 (HSA) HDEPO 421 (HSA) Initial Allowance: Deductible: Individual/Family $200 N/A N/A N/A $250/$500 Embedded $1,000/$2,000 Embedded $2,200/$4,400 Aggregate $6,750/$13,500 Aggregate Out of Pocket Maximum: Individual/Family $7,150/$14,300 Embedded $7,900/$15,800 Embedded $4,800/$9,600 Embedded $6,750/$13,500 Embedded PCP: Deductible then $30 $25 Deductible then $25 Deductible then Covered in Full Specialist: Deductible then $50 Deductible then $40 Deductible then $50 Deductible then Covered in Full Urgent Care: Deductible then $60 Deductible then $75 Deductible then $50 Deductible then Covered in Full Emergency: Deductible then $100 Deductible then $150 Deductible then $300 Deductible then Covered in Full In-Patient Hospitalization: Deductible then $1,000 Deductible then $500 Deductible then $500 Deductible then Covered in Full Prescription Deductible: Integrated with Medical Deductible Integrated with Medical Deductible Integrated with Medical Deductible N/A $10 Medical Deductible then $10 Medical Deductible then $40 Medical Deductible then $60 Rx Tier 1: Rx Tier 2: Rx Tier 3: $10 $50 $80 Medical Deductible then CIF Medical Deductible then CIF Medical Deductible then CIF Medical Deductible then $50 Medical Deductible then $80 Telemedicine: Deductible then $30 $25 Deductible then $25 Deductible then Covered in Full Wellness: Up to $675 Up to $675 Up to $675 Up to $675

2020-2021 Guardian Dental Benefit Highlights: Plan Options: Platinum Premier Standard Deductible: Individual/Family $50/$150 $50/$150 In-Network $100/$300 Out-of-Network $50/$150 Combined In & Out-of-Network Combined In & Out-of-Network Maximum Benefit: $2,000 In-Network $1,500 Out-of-Network $1,500 In-Network $1,500 Out-of-Network $1,000 In-Network $1,000 Out-of-Network Preventive Services: 100% 100% 100% In & Out-of-Network In & Out-of-Network In & Out-of-Network Basic Services: 90% In-Network 80% Out-of-Network 80% 80% In-Network 50% Out-of-Network In & Out-of-Network Major Services: 60% In-Network 50% Out-of-Network 50% In & Out-of-Network N/A Plan cost & additional plan information can be found on RKXchange

2020-20201 Guardian Davis Vision Benefit Highlights: High Plan Low Plan Exam - $20 INN; Up to $50 OON Frequency Once every calendar year Exam - $20 INN; Up to $50 OON Frequency Once every calendar year Eyeglass Lenses - $20 INN; Up to $48 OON Frequency - One every calendar year Eyeglass Lenses - $20 INN; Up to $48 OON Frequency - Once every two calendar years Eyeglass Frames - $130 allowance, then 20% off remaining balance INN; Up to $48 OON Frequency - Once every two calendar years Eyeglass Frames - $130 allowance, then 20% off remaining balance INN; Up to $48 OON Frequency - Once every two calendar years Plan cost & additional plan information can be found on RKXchange

United Concierge Medicine - Voluntary UCM Telemedicine Benefit 24/7 access to physician by phone, secure messaging or video Mobile app provides one-touch calls for consult, scheduling and picture/video sharing Ability to treat and diagnose remotely Able to submit prescriptions to your local pharmacy, as well as order labs and x-rays Commitment to follow-up Covers all household members enrolled in a medical plan Plan cost & additional plan information can be found on RKXchange

Health Care Flexible Spending Accounts (FSA) How does it work? Two types of Flexible Spending Accounts: Health Care FSA Dependent Care FSA Flexible Spending Accounts help you keep more of your hard earned money by lowering your taxable income which lowers the taxes you pay. You decide how much to deduct on a pre-tax basis from each paycheck. Health Care FSA annual maximum $2,750 Dependent Care FSA annual maximum $5,000 Allows you to pay for out-of-pocket health, dental and/or vision expenses for you and your eligible dependents with pre-tax dollars. If enrolled in an HSA qualified medical plan an employee has access to a Limited Purpose FSA which allows expenses for dental and/or vision only. BENNY Card supplied to all participants in the Health Care FSA BENNY Card is valid for three years; lost card results in a $10 replacement fee Functions like a credit card and accepted at all locations that accept credit cards At time of purchase, simply swipe your BENNY Card first and all items that are FSA eligible will automatically be paid for from your FSA account VERY IMPORTANT hang on to all receipts in case you have to substantiate the claim Review out-of-pocket costs for last year in order to budget appropriately for the new plan year

Health Care (FSA) Contd Examples of items eligible for reimbursement: Deductibles and out of pocket expenses Co-pays for prescription drugs Co-pays for office visits, tests and other services Dental and orthodontic treatment Eyeglasses or contact lenses Mental Health services Laser eye surgery Mileage to doctor visits Many Over-the-Counter Products are Eligible- Sample of items First Aid Kits Children s Sunscreen Contact Solution Denture Cream & Cleansers Hearing Aid batteries Hot & Cold Packs Motion Sickness Aids Nasal Spray Pregnancy & Fertility Tests Shoe Insoles & Inserts Keep in Mind Some drugs and medicines purchased without a prescription from your doctor are NOT eligible for reimbursement. Be sure to check www.fsastore.com for a complete list. Examples of larger expenses to plan for: Large dental bills including Root Canals, Crowns, Braces Copays for medication taken routinely Eyeglasses May have a Limited FSA (vision and dental services only) if enrolled in an Health Savings Account as well

Dependent Care FSA Provides an opportunity to pay for care for your eligible dependents with pre-tax dollars, including day care, afterschool care or elder care. Requires Tax ID # of provider Reimbursement funds need to be available, not available on day one like the Health FSA Who is a qualified dependent? A child under the age of 13 who can be claimed as your dependent on your federal income tax return Your spouse, if he or she is physically or mentally incapable of caring for himself or herself and has the same principal residence as yourself for more than one-half of the year

Dependent Care FSA Contd Examples of items eligible for reimbursement: Child care while you work Before and after school programs Elder Care Nursery School Summer Day Camp for children age 12 and under Examples of items NOT eligible for reimbursement: Babysitting to attend social functions Expenses for food and clothing Education expenses for Grades K-12 Overnight camp fees Expenses you take as federal credit

Health Savings Accounts (HSA) A Health Savings Account (HSA) is a tax-advantaged medical savings account available to employees who are enrolled in a high-deductible health plan (HDHP) Contribute (up to age 65) and spend tax-free Unlike the FSA, funds may roll-over year to year if they are not used Employee owned and portable May be used to pay for qualified medical, dental and vision expenses After age 65, funds may be used for any purpose without penalty 2020 Annual IRS contribution limits - Individual $3,550 - Family $7,100 and age 55+ catch-up contribution $1,000

Voluntary Life Insurance Premiums can be paid through payroll deductions Insurance is portable, which means if you leave employment with Bennett Contracting, you can take your policy with you Premium costs are based on your age Employee Benefit: Issued in increments of $10,000 Maximum benefit amount of $100,000 Guarantee benefit up to $100,000 until age 65 without proof of insurability when first eligible, afterwards Evidence of Insurability is required Spouse/Child(ren) Benefits: Issued in increments of $5,000 Spouse / $1,000 Child(ren) Maximum benefit amount of $30,000 Spouse / $10,000 Child(ren) Guarantee spouse benefit up to $30,000 until age 65 without proof of insurability when first eligible, afterward evidence of insurability is required; Guarantee child(ren) benefit up to $10,000 without proof of insurability when first eligible, afterwards evidence of insurability is required

Voluntary Long Term Disability (LTD): LTD is designed to pay a monthly benefit to you in the event you cannot work for an extended period of time due to a non-work related accident or illness Premiums can be paid through payroll deductions Premium costs are based on your age and disability benefit level Employee Benefits: Issued in increments of $500 Benefit is 60% of salary to a maximum of $5,000

Additional Voluntary Benefits: Coverage Benefits/Options MetLife Weekly benefit amounts from $50 to $1,250 depending upon income 26 week benefit period Portable at same rate Short Term Disability *Guaranteed Issue Optional coverage that can pay a specific dollar amount ($10,000, $20,000 or $30,000) Dependents are eligible to receive same benefit amount as employee Wellness feature MetLife Critical Illness Insurance *Guaranteed Issue All voluntary benefits are 100% employee-paid and fully portable if you separate from service or retire. While employed at Bennett Contacting, all premiums are paid through the ease and convenience of payroll deduction.

Questions & Answers: 1. Who is eligible? An employee working 30 or more hours per week The above employees qualified dependent(s) 2. What is the cost? The cost varies by plan(s) elected and number if members covered under the plan 3. How do I enroll? Online through the RKXchange portal independently www.employeenavigator.com/benefits/Login.aspx 4. When do I enroll? Open enrollment begins on Monday May 18th and ends on Sunday May 31st. 5. If I do not want to make any changes, do I have to do anything? Yes, all benefits are completed on an annual basis through the RKXchange portal 6. If I have trouble enrolling, what do I do? Call the RKXchange helpline for assistance at (518) 244-4323; Monday thru Friday between 8:15am and 4:30pm 7. What if open enrollment closes and I need to make a change? Unless there s a qualifying event, you will need to wait until next open enrollment Examples of qualifying events: - Marriage, Divorce, Legal separation, Birth or adoption of a child, Death, Spouse s open enrollment or Spouse s employment status changes

Questions? Once the portal closes on Sunday May 31st and you have made your benefit elections, you will not be able to change them until the next open enrollment period or if you have a qualifying event.