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2018 Benefits Guide

Eligibility and Enrollment

As an employee, you are eligible for an array of health and welfare benefits, including:

• Medical Insurance
• Dental Insurance
• Vision Insurance
• Disability Insurance
• Life and Accident Insurance
• Flexible Spending Accounts (Health Care and Dependent Care)
• Employee Assistance Program
• Legal and Identity Theft Plan

Some benefits are paid entirely by the Company. Other benefits require that you share in the cost for your coverage. In addition to your health and welfare plans, the Company also provides you with a 401(k) plan, paid time off and holidays.

Refer to Important Phone Numbers and Websites if you have questions or require additional information.

Benefit Plan Eligibility

You are eligible to participate in the health and welfare employee benefit plans if you are classified as full-time and regularly scheduled to work 24 or more hours per week.

You are not eligible for the Company employee benefit plans if you are:

• An employee who is not regularly scheduled to work 24 or more hours per week
• An individual who has signed an agreement, or has otherwise agreed, to provide services to the Company as an independent contractor, regardless of the tax or other legal consequences of such an arrangement
• A leased employee compensated through a leasing entity, whether or not you fall within the definition of leased employee as defined in Section 414(n) of the Internal Revenue Code (IRC)

Certain plans also permit you to cover your eligible dependents, which include your:

• Legal opposite-sex spouse (unless legally separated) or same/opposite sex domestic partner
• Your child, including:
  • Biological child
  • Stepchild
  • Legally adopted child
  • A child who has been placed with you in anticipation of adoption

Children listed above must be under 26 years of age, regardless of whether that child qualifies as your dependent for federal income tax purposes.

In addition, you can also cover the following dependents if they are claimed as your dependent for federal income tax purposes:

• Your domestic partner's child*
• A child for whom you are the legal guardian/legal custodian

* Special guidelines apply when covering a domestic partner or the child of a domestic partner. Refer to the Domestic Partner Qualifications and Guidelines on the HR/Benefits website for additional information.

Your dependent children who are age 26 or over and physically or mentally incapable of self-support may continue coverage beyond age 26 if they remain totally incapacitated and dependent on you for support.

If your spouse/domestic partner works for the Company, either you or your spouse/domestic partner can elect to cover your dependent children, but not both of you. Your dependent (spouse/domestic partner or child) is not eligible if they are covered as an employee, on active duty in the military service of any country or if you are not enrolled for coverage.

For example: If you are hired on March 3, 2018, your initial eligibility period begins on March 3, 2018 and ends on March 18, 2018. Your benefit plan elections made during this period will be generally effective May 1, 2018, subject to you providing proper documents as required under the plans.