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Our Commitment to You Plymouth Rock offers you many programs to choose from to cover all aspects of your well-being so

The Plymouth Rock Group of Companies is pleased to offer a comprehensive benefits package you can LiveWell. Your overall well-being encompasses physical, emotional, financial and social health.
designed to provide quality services to employees and their families. This guide is intended to We encourage you to review all of your benefit options. Now more than ever the benefits you choose
supply you with the information needed to understand your Plymouth Rock benefits. can help you and your family stay healthy, protected and provide greater security down the road.

For additional details on your benefits, you should review each program’s Summary Plan
Description (SPD) and Plan Document. SPDs and Plan Documents are available through Human
Resources (upon request) and on the Company’s intranet site, RockTalk Insider. Table of Contents

Eligibility and Effective Date of Benefits PHYSICAL WELL-BEING 3
Benefits are offered to employees regularly scheduled to work 20 or more hours per week. Benefits coverage for you Medical Plan Options ...............................................................................................................................4
and your dependents starts on your first day of employment if you enroll within 30 days of hire. Eligible dependents Cancer Support Services .........................................................................................................................9
are your spouse, domestic partner*, civil union partner and children under the age of 26. Prescription Drug Plan ........................................................................................................................... 10

*If you choose to cover a domestic partner on your benefits the additional premium will be deducted post-tax and imputed Diabetes Care Rewards Program .........................................................................................................12
income will be added to your taxable earnings. Imputed income is the fair market value of your domestic partner’s coverage.
Musculoskeletal Health Program ........................................................................................................13
Making Changes During the Year: Open Enrollment and Life Events Dental Plan Options ............................................................................................................................... 14

Generally, you can only change your benefits during an open enrollment period. However, you can change your Vision Plan Options ................................................................................................................................15
benefit elections during the year within 30 days of experiencing a Qualifying Life Event. Virgin Pulse Wellness Program .............................................................................................................16
Qualifying Life Events include:
• Marriage, divorce or legal separation EMOTIONAL WELL-BEING 18
• Birth or adoption (or placement for adoption) of a child Time Off ......................................................................................................................................................19
• Death of a dependent Employee Assistance Program ............................................................................................................20

• Loss of “Dependent Child” status (age 26) Cigna Mental Health Resources ..........................................................................................................21
• Change in your eligible dependent’s employment status
If you experience a change in family status, any change you make to your coverage must be consistent with your FINANCIAL WELL-BEING 22
family status change, must directly impact your benefits eligibility and/or result in the loss of coverage. Your 401(k) Plan ...............................................................................................................................................23
coverage change request must be made within 30 days of the Qualifying Life Event. Flexible Spending Accounts .................................................................................................................25
If you leave the company, benefits coverage ends on your last day of employment at 11:59 pm.
Life Insurance Plans ................................................................................................................................26

Disclosures Disability Income Benefits ....................................................................................................................27
Should there be a conflict between this communication and the carriers’ materials and SPD, the carriers’ materials Prepaid Legal Plan ...................................................................................................................................28
and SPD will prevail. Identity Protection Plan .........................................................................................................................29
Pet Insurance ...........................................................................................................................................30
Additional Benefits and Discounts ......................................................................................................31

SOCIAL WELL-BEING 32
The Plymouth Rock Foundation Matching Gift Program ............................................................. 33
Additional Employee Programs ..........................................................................................................34

This guide describes the benefit plans available to you as an employee of Plymouth Rock. The details of these plans are contained in the official plan 2022 Bi-weekly Costs for Benefits .....................................................................................................35
documents, including some insurance contracts. This guide is meant only to cover the major points of each plan. It does not contain all of the details that Provider Contact Information ..............................................................................................................36
are included in your Summary Plan Description (SPD) (as described by the Employee Retirement Income Security Act). If there is ever a question about
one of these plans, or if there is a conflict between the information in this guide and the formal language of the plan documents, the formal wording in the
plan documents will govern. Please note that the benefits described in this guide may be changed at any time and do not represent a contractual obligation
on the part of Plymouth Rock Assurance.
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