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Table of Contents

Eligibility and Enrollment | 1 Life Insurance Plans | 13
Eligibility Basic Life and AD&D Insurance Plan
Enrollment Supplemental Life and AD&D Insurance Plan
Changing Your Elections
Disability Insurance Plans | 14
Medical Plan Choices | 2 Short Term Disability Insurance
Anthem Blue Cross Premier PPO Plan Long Term Disability Insurance
Anthem Blue Cross Lumenos HSA Plan
Anthem Blue Cross Classic HMO Plan Tax Savings Plans | 15
Anthem Blue Cross Exclusive Classic (EPO) Plan Flexible Spending Account (FSA) Plans
Kaiser Permanente HMO Plan Transportation Spending Account Plan
Kaiser Permanente HSA Deductible HMO Plan
Understanding Health Savings Accounts Voluntary Plans | 17
Voluntary Legal/Identity Theft Plans
Dental Plan | 9 Voluntary Accident Insurance
MetLife Dental PPO Plan Voluntary Critical Illness Insurance
Auto and Home Insurance
Vision Plan | 10
Vision Service Plan 401(k) Plan | 19

Employee Health Plan Contributions | 11 Paid Time Off | 19

Employee Assistance | 12 Contact Information | 20
Employee Assistance Plan
Travel Assistance Plan

Summary Of Benefits And Coverage
As an employee, the health benefits available to you represent a significant component of your
compensation package. They also provide important protection for you and your family in the case
of illness or injury. Choosing a health coverage option is an important decision. To help you make
an informed choice, your plan makes available a Summary of Benefits and Coverage (SBC), which
provides important information about any health coverage option in a standard format to help you
compare your alternatives. The SBCs for the Kaiser and Anthem Blue Cross health plans are available
from Human Resources, in the resources section of the intranet and on PlanSource.

This brochure provides an overview of your benefit plan choices. It is for informational purposes only. It is not intended to
be an agreement for continued employment. Neither is it a legal plan document. If there is a disagreement between this
guide and the plan documents, the plan documents will govern. In addition, the plans described in this brochure are
subject to change without notice. Continuation of any benefit plan or coverage is at the company’s discretion and in
accordance with federal and state laws. If you need additional information or have any questions about the benefit
program, please contact Human Resources.