Page 25 - Lyon Benefits Guide 01-18 CA - FINAL

[EMPLOYEE BENEFITS]

SUPPLEMENTAL BENEFITS PET INSURANCE

You may purchase individual policies from MetLife including Group Accident, Group Hospital Indemnity, Home & Auto, and Voluntary NATIONWIDE PET INSURANCE | REIMBURSEMENT PLAN
Legal. Your premiums are paid through payroll deductions on an after-tax basis. MetLife policies offer direct-to-the-policyholder cash
payouts to help cover what other insurance doesn’t. All of the MetLife individual policies are portable, which means that you can keep With the Nationwide Pet Insurance reimbursement plan, you can visit any licensed veterinarian, veterinary specialist or animal hospital
them should you change jobs or retire, with no increase in premiums. in the United States. To receive reimbursements through Nationwide, fax or mail their easy-to-use claim form along with your invoices.
After meeting your policy’s deductible, you will be reimbursed according to your plan’s benefit schedule allowance or the invoice amount,
METLIFE | GROUP ACCIDENT INSURANCE whichever is less. If elected, you will own this policy and pay premiums to Nationwide directly.
Group Accident insurance is designed to help you meet the out-of-pocket expenses and extra bills that can follow an accidental injury,
whether minor or catastrophic. Accident lump sum benefits are paid directly to you based on the amount of coverage listed in the schedule
of benefits. The accident base plan is guaranteed issue, so no health questions are required. FOR MORE INFORMATION OR TO ENROLL

METLIFE | HOSPITAL INDEMNITY INSURANCE Go to www.petsnationwide.com or call (877) 738-7874.

Group Hospital Indemnity insurance is designed to help provide financial protection by paying a benefit due to a hospitalization and in
some cases, for treatment received for an accident or sickness, even if that treatment occurs outside the hospital. Indemnity lump sum
benefits are paid directly to you based on the amount of coverage for the service outlined in your summary of benefits, regardless of
the actual cost of treatment.

METLIFE | HOME & AUTO INSURANCE RETIREMENT SAVINGS

MetLife Auto & Home can help you with convenient access to a comprehensive range of protection that goes beyond traditional offerings.
Coverages offered include auto (including roadside assistance), homeowners, umbrella liability, renters / condo, dwelling, watercraft,
motorcycle, mobile homes, and recreational vehicle insurance. FIDELITY INVESTMENTS | 401(K)
You are encouraged to participate in Lyon Living’s 401(k) plan with Fidelity Investments. This plan allows you to fund for your retirement
METLIFE | VOLUNTARY LEGAL SERVICES with pre-tax dollars. You may defer from 1% to 100% of compensation on a pre-tax basis up to the IRS allowable maximum of $18,500
MetLife / Hyatt Legal provide you with convenient and affordable access to a highly qualified network of more than 13,500 attorneys for for 2018. If you will be age 50 or older during the year, you may defer an additional “catch-up” contribution (up to $6,000 for 2018). You
counsel on the most frequently needed personal legal matters. Additionally, all group legal services include telephone advice and office may increase or decrease the amount you are contributing each pay period. Employee-directed investments are available, with more than
consultations on an unlimited number of matters. 25 choices to suit your own retirement savings approach, investment objectives, and comfort level with risk (low to high).

Benefits include document review, document preparation, general telephone advice, and office consultations. Legal plans cover a broad Lyon Living may make discretionary matching contributions to the plan following each plan year end (December 31st). There is a 5 year
range of legal matters, which may include family & personal, money matters, vehicle & driving, home & real estate matters, civil lawsuits, vesting schedule. You are 100% vested after five years, and are always 100% vested in what you contribute.
wills, estate & future planning, and elder-care. There are no hour limits, no page limits, no co-pays and no waiting periods when using
attorney network services. When you use a network attorney for covered services, all attorney fees are paid by the plan. Plan members may YEARS OF SERVICE VESTED PERCENTAGE YEARS OF SERVICE VESTED PERCENTAGE
also receive service through any attorney, anywhere, anytime. When using an out-of-network attorney, you will be reimbursed according 1 Year 20% 4 Years 80%
to a set fee schedule. 2 Years 40% 5 Years or More 100%
3 Years 60%

Funds from your account may be withdrawn only in the event of termination of employment, retirement, death, permanent disability,
attainment of age 59-1/2, or “hardship” (as defined by IRS Regulations). In the event of your death, your primary beneficiary(ies) will
FOR MORE INFORMATION OR TO ENROLL receive your vested account balance. Withdrawals that are not transferred or rolled over into an IRA or other qualified plans may have
Go to www.metlife.com/mybenefits or call (800) GET-MET8. tax consequences and penalties. You may borrow up to 50% of your vested account balance. The minimum loan amount is $1,000 and

the maximum is $50,000. Our plan allows for a maximum of two loans at any time.

FOR MORE INFORMATION
Go to www.401k.com or you may call (800) 835-5097 to enroll, make contribution changes, inter-account transfers,
investment changes, and loan requests.

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