2018 Open Enrollment November 1 15, 2017 Agenda Introduction To - - PowerPoint PPT Presentation

2018 Open Enrollment

November 1 – 15, 2017

KLEINFELDER CONFIDENTIAL

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• Introduction To 2018 Open Enrollment
• What’s New For 2018
• 2018 Benefits
• 2018 Open Enrollment Process
• Appendix

Agenda

KLEINFELDER CONFIDENTIAL

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Decide which choices are right for you and your family

• Review 2018 rates and consumer tools

Make changes to future enrollment elections

• FSA participant MUST elect new FSA contribution every year
• Log on to www.KLFBenefitsZone.com to enroll
• Confirm your beneficiary information
• Deadline for elections is Wednesday, November 15, 2017 at 11:59 p.m. CT

What You Need To Do

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Health Savings Account – IRS increased individual and family maximum contributions

• Individual: $3,450 (up from $3,400)
• Family:

$6,900 (up from $6,750)

Health Care and Limited Purpose Flexible Spending Accounts

• Maximum contribution increased to $2,650 (up from $2,600)

Pre-tax commuter (transportation/parking) maximum contributions

• Transportation:

$260 (up from $255)

• Parking:

$260 (up from $255)

• Changes in your commuter deduction can be made at any time during the year by

the 8th of the month

Medical Plan Design (Deductibles and Out-of-Pocket Maximums) Medical Premiums Dental Premiums Basic Life/AD&D, Voluntary Life, Short-Term and Long-Term Disability Carrier

What is Changing for 2018?

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Medical 2017 Aetna HDHP PPO High 2018 Aetna HDHP PPO High

Preventive 100% 100% Office Visit 10% after deductible 10% after deductible Deductible $1,500 Individual $3,000 Family $2,000 Individual $4,000 Family Coinsurance 10% In-Network 30% Out-of-Network 10% In-Network 30% Out-of-Network Out-of-Pocket Maximum $3,000 Individual $6,000 Family $4,000 Individual $8,000 Family Prescription Drugs* After deductible** Generic: $15 Brand: $60 Non Preferred Brand: $90 After deductible** Generic: $15 Brand: $60 Non Preferred Brand: $90

Medical Overview – HDHP PPO High

* If the member requests brand when generic is available, the member will pay the copay plus the difference between the generic and brand price, not to exceed the retail cost of the drug. ** For the HDHP, some preventive drugs are not subject to the deductible; they are only subject to the copay.

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Medical 2017 Aetna HDHP PPO Mid 2018 Aetna HDHP PPO Mid

Preventive 100% 100% Office Visit 20% after deductible 20% after deductible Deductible $2,000 Individual $4,000 Family $2,500 Individual $5,000 Family Coinsurance 20% In-Network 40% Out-of-Network 20% In-Network 40% Out-of-Network Out-of-Pocket Maximum $4,000 Individual $8,000 Family $5,000 Individual $10,000 Family Prescription Drugs* After deductible** Generic: $15 Brand: $60 Non Preferred Brand: $90 After deductible** Generic: $15 Brand: $60 Non Preferred Brand: $90

Medical Overview – HDHP PPO Mid

* If the member requests brand when generic is available, the member will pay the copay plus the difference between the generic and brand price, not to exceed the retail cost of the drug. ** For the HDHP, some preventive drugs are not subject to the deductible; they are only subject to the copay.

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Medical 2017 Aetna HDHP PPO Low 2018 Aetna HDHP PPO Low

Preventive 100% 100% Office Visit 20% after deductible 20% after deductible Deductible $2,600 Individual $5,200 Family $3,000 Individual $6,000 Family Coinsurance 20% In-Network 40% Out-of-Network 20% In-Network 40% Out-of-Network Out-of-Pocket Maximum $5,000 Individual $10,000 Family $6,000 Individual $12,000 Family Prescription Drugs* After deductible** Generic: $15 Brand: $60 Non Preferred Brand: $90 After deductible** Generic: $15 Brand: $60 Non Preferred Brand: $90

Medical Overview – HDHP PPO Low

* If the member requests brand when generic is available, the member will pay the copay plus the difference between the generic and brand price, not to exceed the retail cost of the drug. ** For the HDHP, some preventive drugs are not subject to the deductible; they are only subject to the copay.

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Definition of Terms: Aggregate v. Embedded

Aggregate

When enrolled in a Family (Employee+1) medical plan, a single family member can meet the family deductible or multiple family members can pool expenses to meet the family

• deductible. Once the family

deductible is met, insurance will kick in for all family members.

Embedded

When enrolled in a Family (Employee+1) medical plan, a single family member does not need to meet the family

• deductible. Benefits will start

after meeting the single deductible for that family member – but not for other family members. If more than one family member has expenses, they are pooled and, once the family deductible is met, insurance will kick in for all family members.

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Aetna HDHP PPO High

Tier of Coverage Deductible

(Aggregate)

Out-of-Pocket Maximum

(Embedded)

Individual $2,000 $4,000 Employee +1 (Family) $4,000 $8,000

Deductible (Aggregate) The deductible must be met prior to benefits being payable. Once the family deductible is met, all family members will be considered as having met their deductible for the remainder of the calendar year. Out-of-Pocket Maximum (Family Payment Limit) (Embedded) The out-of-pocket maximum is cumulative for all family members. The family out-of-pocket maximum can be met by a combination of family members; however, no individual within the family will be subject to more than the individual out-of-pocket maximum. Example Aetna receives a claim for $12,000 for one member of the family. $4,000 is applied to the family deductible and the remaining $8,000 is paid at 100% because the individual out-of- pocket maximum of $4,000 has been met. Subsequent claims for the member are paid at 100%. Family members are subject to the remaining $4,000 family out-of-pocket maximum, which may be satisfied by multiple family members.

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Aetna HDHP PPO Mid

Tier of Coverage Deductible

(Aggregate)

Out-of-Pocket Maximum

(Embedded)

Individual $2,500 $5,000 Employee +1 (Family) $5,000 $10,000

Deductible (Aggregate) The deductible must be met prior to benefits being payable. Once the family deductible is met, all family members will be considered as having met their deductible for the remainder of the calendar year. Out-of-Pocket Maximum (Family Payment Limit) (Embedded) The out-of-pocket maximum is cumulative for all family members. The family out-of-pocket maximum can be met by a combination of family members; however, no individual within the family will be subject to more than the individual out-of-pocket maximum. Example Aetna receives a claim for $12,000 for one member of the family. $5,000 is applied to the family deductible and the remaining $7,000 is paid at 100% because the individual out-of- pocket maximum of $5,000 has been met. Subsequent claims for the member are paid at 100%. Family members are subject to the remaining $5,000 family out-of-pocket maximum, which may be satisfied by multiple family members.

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Aetna HDHP PPO Low

Tier of Coverage Deductible

(Embedded)

Out-of-Pocket Maximum

(Embedded)

Individual $3,000 $6,000 Employee +1 (Family) $6,000 $12,000

Deductible (Embedded) The deductible must be met prior to benefits being payable. The family deductible is cumulative for all family members and can be met by a combination of family members; however, no single individual within the family will be subject to more than the individual deductible. Out-of-Pocket Maximum (Family Payment Limit) (Embedded) The out-of-pocket maximum is cumulative for all family members and can be met by a combination of family members; however, no individual within the family will be subject to more than the individual out-of-pocket maximum. Example Aetna receives a claim for $12,000 for one member of the family. $3,000 is applied to the individual deductible, and the member pays the 20% coinsurance (for an in-network provider)

• n the remaining $9,000 (20% of $9,000 = $1,800). $4,800 is applied to this member’s out-of-

pocket maximum. The member has $1,200 of out-of-pocket expenses to meet before reaching the individual out-of-pocket maximum.

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2018 Bi-Weekly Employee Contributions

Medical, Dental, And Vision Contributions

Coverage Aetna HDHP PPO High Aetna HDHP PPO Mid Aetna HDHP PPO Low Aetna Dental VSP Vision Employee Only $36.00 $18.46 $13.38 $16.18 $2.34 Employee + Spouse/DP $118.15 $82.62 $74.31 $32.46 $4.68 Employee + Child(ren) $98.31 $65.54 $57.69 $35.62 $5.14 Employee + Family $181.85 $126.00 $111.69 $48.74 $7.95

2017 Bi-Weekly Employee Contributions

Coverage Aetna HDHP PPO High Aetna HDHP PPO Mid Aetna HDHP PPO Low Aetna Dental VSP Vision Employee Only $16.15 $14.77 $12.92 $13.15 $2.34 Employee + Spouse/DP $90.46 $81.23 $72.00 $29.44 $4.68 Employee + Child(ren) $70.15 $62.77 $55.85 $32.58 $5.14 Employee + Family $136.15 $122.31 $108.46 $45.73 $7.95

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• The HSA is owned by you with triple tax benefits:
• 1. Tax-free contributions**
• Kleinfelder contributions belong to employees and are not taxable
• Employee contributions are pre-tax and can be set up through payroll

deductions; post-tax contributions are an “above the line” deduction*

• 2. Tax-free interest on your HSA balance and investment gains*
• 3. Tax-free withdrawals for qualified healthcare expenses
• Use your HSA debit card, pay bills online, or use auto-pay to pay health care

expenses

• Any balance in the account (including Kleinfelder contributions) is yours to keep,

even if you switch medical plans or leave the company

• Your HSA balance rolls over from year-to-year (no “use it or lose it“ rule!)
• Investment options are available when your account reaches a balance of $2,000

* Account holders should consult a tax advisor. Tax references are at the federal level. ** Special state tax rules apply in California, New Jersey, and Alabama

Why Have A Health Savings Account (HSA)?

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Contributions

• You can contribute a fixed pre-tax amount per pay period
• Kleinfelder will contribute $750 / Individual or $1,500 / Family
• Employer funding will be deposited quarterly during 2018 and will be

based on the employee’s tier of coverage on January 1st, April 1st, July 1st, and October 1st

• Ineligible expenses withdrawn from your HSA will be

assessed a 20% penalty and subject to income withholding taxes

• Per Federal regulations, Medicare members are ineligible for

HSA bank account contributions

• Your HSA funds cannot be used for children who are not

considered an IRS dependent, regardless of being covered under the HDHP

ELIGIBLE EXPENSES Some eligible expenses may not be covered by your health plan, but the IRS allows you to pay for them with your HSA money Here are some examples:  LASIK eye surgery  Hearing aids  Glasses  Dental expenses  COBRA, Medicare and Long-Term Care premiums You can find the full list of allowable expenses in IRS Publication 502. www.irs.gov

2018 KLF Contribution to your HSA Bank Account Individual: $750 Family: $1,500 2018 IRS Maximum Annual Contribution Individual: $3,450* Family: $6,900* Employees 55+ can contribute an additional $1,000 each year

* The IRS Maximum = Kleinfelder + Employee Contributions

HSA Account Overview

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Maximize your earnings

• HSAs earn interest like a traditional savings account
• HSA interest earnings are not taxed*
• After $2,000 account balance,** you can invest in HealthEquity’s investment funds

Easy, Powerful Tools

• HealthEquity offers investment guidance to members
• HealthEquity Advisor can provide professional advice and access to online tools
• How much to keep in your HSA
• How much to invest
• How to diversify among best-in-class mutual funds to minimize risk and

maximize growth

HealthEquity – Make Funds Grow

* Account holders should consult a tax advisor. Tax references are at the federal level. California, New Jersey, and Alabama do not allow HSA investment gains on a tax-free basis. ** Special state tax rules apply in California, New Jersey, and Alabama

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Flexible Spending Accounts

Limited Purpose Flexible Spending Account (LPFSA)

• Can be elected in addition to an HSA bank account
• Funds can be used for dental and vision expenses only
• Pre-tax plan year contributions up to $2,650

Health Care Flexible Spending Account (HCFSA)

• Only for employees who are not enrolled in a Health Savings Account (HSA)
• Funds must be used for eligible medical, dental, and/or vision expenses; over-the-

counter drugs must be prescribed by a doctor to be an eligible expense

• Pre-tax plan year contributions up to $2,650

Dependent Care Flexible Spending Account (DCFSA)

• Can only access funds that are in the account at the time of service/claim
• Funds can be used for child care, elder care, or care for an adult dependent who is

not capable of self-care

• Pre-tax plan year contributions up to $5,000 per family

Claims must be incurred by December 31, 2018 Unused balances on March 31, 2019 will be forfeited

Use it

• r lose

it!

KLEINFELDER CONFIDENTIAL

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Limited Purpose FSA

Dependent Care FSA Full Health Care FSA Limited Health Care FSA1 Maximum Deferral $5,000 $2,650 $2,650 Eligible Expenses Childcare Eldercare Daycare for disabled dependent Medical Dental Vision Dental Vision Debit Card Included? No Yes Yes

Limited Purpose FSA

• Eligible dental and vision expenses only (medical expenses must be reimbursed

through HSA per IRS regulations)

• Debit card may only be used at providers that exclusively provide dental and vision

services (i.e., dentists, optometrists, ophthalmologists, dental surgeons, and vision/eye care centers)

Reminder: You have a 90-day run-out period after December 31st to submit your FSA claims to PayFlex for eligible expenses incurred in 2018 (deadline is March 31, 2019)

Kleinfelder Flexible Spending Accounts (FSA)

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Additional Services

Teladoc

Teladoc provides a national network of U.S. board-certified doctors available 24 hours a day, 7 days a week, 365 days a year to resolve many of your medical issues via phone or online video consultations.

• Over the phone consultation – $40 copay or less
• Go online or call Teladoc directly to schedule your consultation
• Teladoc.com/Aetna
• 1.855.Teladoc (1.855.835.2362)

Pharmacy Advisor

Pharmacy Advisor provides pharmacist-driven member counseling for individuals with Diabetes and/or Cardiovascular conditions with the goal of closing gaps in care and referral to disease management.

Maintenance Choice

Maintenance Choice gives members the option to fill a 90-day supply of maintenance medications via Aetna Rx Home Delivery or at local CVS or Target pharmacies.

Mobile Health Consumer

Mobile Health Consumer is a digital platform that will help you improve your health and well being.

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Our wellness program will be enhanced for 2018! We will still be using the Mobile Health Consumer App, so please be sure to download it from your app store. Look for more detailed information in the Kleinfelder wellness guide.

Wellness Incentives

Access the Mobile Health Consumer app to find:

• Personalized Communications and Education
• Medical ID Cards and Plan Summaries
• Personalized Navigation through Your Health Resources
• Personal Health Reminders
• Digital Health Coaching
• Health Savings Account Balances
• Medical Plan Deductible and Co-Pay Information
• Additional HR Resources

Now open to all US employees and spouses/domestic partners regardless

• f your enrollment in Kleinfelder’s employer-sponsored medical plan

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Short-Term Disability Overview

Base Short-Term Disability Buy–up Short-Term Disability Income Replacement 60% of weekly earnings 70% of weekly earnings Weekly Maximum $1,500 $3,500 Waiting Period 0 days for disability due to an injury 7 days for disability due to sickness 0 days for disability due to an injury 7 days for disability due to sickness Maximum Benefit Period 13 weeks 13 weeks Short-Term Disability – Premium paid by Employee

• Mandatory enrollment for full-time and part-time employees in Base STD
• In California, New Jersey, and New York, the carrier STD benefit will be offset by the benefit

received from the state

• Option to buy-up to higher benefit amount
• Rates vary based on salary and age
• STD benefits are not taxable

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Long-Term Disability Overview

Base Long-Term Disability Buy–up Long-Term Disability Income Replacement 60% of monthly earnings 66-2/3% of monthly earnings Monthly Maximum $10,000 $20,000 Waiting Period 90 days 90 days Maximum Benefit Period Up to age 65 Up to age 65 Base Long-Term Disability – Premium paid by Kleinfelder

• Automatic enrollment for full-time and part-time employees

Buy-up Long-Term Disability – Premium paid by Employee

• Rates vary based on salary and age

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• 2018 Pre-tax and After-tax Employee Contributions: $18,500
• 2018 Pre-tax and After-tax Employee Catch-up Contributions for

employees who are 50 and older: $6,000

• Auto-enrolled after approximately 90 days of hire at a 6%

deferral with an annual automatic 1% increase, it you do not

• pt-out
• Kleinfelder Match: $0.50 of every $1.00 of employee

contribution up to 4% of employee’s pay

• Example: Mary’s gross biweekly pay is $2,000. Her 401(k)

contribution is 8% ($160). Therefore, the Kleinfelder match will be 2% of $2,000 or $40.

• Contributions deposited on a per-pay-period basis
• 100% vested in your own contributions
• 5-year graduated vesting in the Kleinfelder match
• 100% vested upon your sixth year of service
• Review your investments for your retirement needs on a regular

basis www.vanguard.com Plan No. 091189 Member Services: 800.523.1123

401(k) Plan

2018 Open Enrollment Process

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Only Available During Open Enrollment

• Open Enrollment is your once a year opportunity to make

changes to your benefits without a qualifying life event.

• Changes can include:
• Enroll in or cancel coverage for a benefit plan
• Move from one medical plan to another
• Add or drop dependent coverage

IMPORTANT! If you do not take action during open enrollment, then your 2017 benefit elections will roll over as your 2018 elections (except FSA). For instance, if you are enrolled in the HDHP High plan today, then you will be enrolled in the HDHP High Plan for 2018 with the new deductibles and payroll deductions. You will need to re-enroll in your Flexible Spending Account, as these elections will not carry over

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Only Available During Open Enrollment

• FSA elections for 2018
• $120 is the minimum election amount for Health Care FSA, Dependent Care

FSA, and the Limited Purpose FSA

• $2,650 is the maximum election amount for Health Care FSA and the Limited

Purpose FSA

• $5,000 is the maximum election amount for Dependent Care FSA
• Voluntary Benefits
• Buy-up Short- and Long-Term Disability
• Long Term Care
• Legal Plan
• Voluntary Life
• Identity Theft
• Accident
• Critical Illness

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Available November 1 – November 15 www.KLFBenefitsZone.com New dependents added to benefits will require eligibility documentation Don’t wait until the last minute!

Kleinfelder Benefits Open Enrollment Process

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Open Enrollment Elections

Benefit Plan Your Elections Medical

• Aetna HDHP PPO High
• Aetna HDHP PPO Mid
• Aetna HDHP PPO Low

Dental

• Aetna Dental PPO

Vision

• VSP Vision

Voluntary Life

• Lincoln National Voluntary Life Insurance

Accident or Critical Illness

• Unum Accident or Critical Illness Insurance

Identity Theft

• LegalShield Identity Theft

Legal Plan

• MetLaw / Hyatt Legal Plan

Health Savings Account (HSA)

• HealthEquity HSA

Flexible Spending Account (FSA)

• PayFlex Limited Purpose FSA
• PayFlex Health Care FSA
• PayFlex Dependent Care FSA

Disability

• Lincoln National Short-Term Disability
• Lincoln National Long Term Disability

Basic Life/AD&D

• Lincoln National Basic Life and Accidental Death &

Dismemberment (AD&D) Insurance EAP

• ACI Specialty Employee Assistance Program

No action required or you may change elections No action required Required elections if you want to participate No action required or you may change elections Action required if interested in buy-up option

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The Kleinfelder Benefits Zone and Employee Advocacy Center are working together to help you with your Benefits Open Enrollment! Visit the Open Enrollment website: https://www.kleinfelder.com/index.cfm/open-enrollment-2018/ To enroll, visit: www.KLFBenefitsZone.com For assistance, please call the Employee Advocacy Center toll-free at: 844.398.0461 Email: kleinfelderbenefits@lockton.com Monday – Friday: 7:00 a.m. – 6: p.m. Central Time Open Enrollment is November 1 – 15, 2017

Your benefits enrollment must be completed by 11:59 p.m. CT, Wednesday, November 15th

Webinar schedule is available on K-NET

Need a Little Help?

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What Happens Next

Benefits

• Medical, Dental, or Vision – If you are enrolling for the first time, or adding

dependents, or changing from one plan to another

• You will receive a new medical ID card by the end of December 2017
• Your medical ID card is also your prescription drug card
• Aetna does not issue Dental ID cards
• VSP does not issue ID cards
• HealthEquity HSA – New members will receive a welcome kit and debit card by the

end of December 2017

• PayFlex FSA – New members will receive a debit card by the end of December 2017

If you have newly enrolled dependents

• Dependent eligibility verification takes place after open enrollment
• Upload proof of dependent eligibility information to the Kleinfelder Benefits Zone by

December 15, 2017!

Qualifying Life Event (QLE)

• To add/delete dependent(s) to current coverage, report and provide proof of the QLE

within 31 days of the event. To add a new baby or spouse, you must be enrolled at the time of the birth and/or marriage unless you involuntarily lose other coverage.

• Examples: birth, death, marriage, divorce, change in employment status of

spouse/domestic partner.

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Check and update:

• Eligible dependents
• Beneficiaries
• Basic Life Insurance
• Voluntary Life Insurance
• Health Savings Account
• 401(k)
• ESOP (current participants only)

Other Important Updates

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Questions

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Appendix

(Other Benefits)

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• International Medical
• Dental
• Vision
• Flexible Spending Account
• Employee Assistance Program
• Basic Life and AD&D

No Changes to Other Benefits

• Long Term Care
• Accident and Critical Illness
• Voluntary Life
• Home and Auto/Legal
• 401(k)
• Identity Theft

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Aetna will continue as your dental provider in 2018

* Preventive Services will not count against the Annual Maximum Benefit

Dental Plan

Kleinfelder Group # 469701 Member Services: 877.238.6200 Website: www.aetna.com

Aetna PPO/PDN In-Network Out-of-Network Deductible – Individual / Family (Deductible waived for Preventive) $50 / $150 Annual Maximum Benefit $1,500 Orthodontic Lifetime Maximum $1,500 Preventive Services 100% 100% Basic Services 90% 80% Major Services 60% 50% Orthodontia 50% 50%

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Benefits In-Network

Out-of-Network

Intervals: Exams Lenses Frames Once every 12 months Once every 12 months Once every 12 months Exam $10 copay Plan pays up to $45 Lenses:* Single Bifocal Trifocal $25 copay $25 copay $25 copay Plan pays up to $30 Plan pays up to $50 Plan pays up to $65 Frames Plan pays up to $150, plus 20%

• ff any out-of-pocket costs

Plan pays up to $70 Contact Lenses** Evaluation & Fitting Medically Necessary Up to $60 copay Up to $150 allowance Covered in full Up to $105 for evaluation, fitting and elective *Additional costs may apply for certain lens upgrades **Contacts are available in lieu of frames and lenses

Vision Plan

Kleinfelder Group # 30022312 Member Services: 800.877.7195 Website: www.vsp.com

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Coverage CIGNA International Deductible None Out-of-Pocket Maximum (In-Network) $500 Individual / $1,500 Family Coinsurance 100% for most services Prescription Drugs $5 Generic / $30 Brand Name in US 80% Coinsurance International Dental Preventive / Basic / Major / Orthodontia $50 Individual / $150 Family Deductible $1,500 Calendar Year Maximum 100% / 80% / 50% / 50% Vision Included EAP Services Included

Please refer to the schedule of benefits for a more complete and detailed listing of benefits.

International Plan

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Legal Plan Benefits Wills Family Law Guardianship or Conservatorship (Contested) Real Estate Matters Home Equity Loans (Second or Vacation Home) Refinancing of Home (Second or Vacation Home) Sale or Purchase of Home (Second or Vacation Home)

The complete and detailed list of MetLaw/Hyatt Legal enhanced benefits is available in the Reference Center of the Kleinfelder Benefits Zone, www.KLFBenefitsZone.com.

Legal Plan

Kleinfelder Group # 1500155 Member Services: 800.821.6400 Website: www.legalplans.com

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Basic Life/AD&D - Paid for by Kleinfelder

• Coverage will be provided through Lincoln

National

• Employee coverage 2 times basic annual

earnings up to a maximum benefit of $400,000

• Spouse/Domestic Partner coverage
• $2,500
• Dependent coverage
• $500 per child (birth to 6 months)
• $1,000 per child (6 months to age 26)
• Review and update your beneficiary information

Basic Life / AD&D

Note: You must enter dependent demographic information on the Kleinfelder Benefits Zone website to enroll for Spouse/Domestic Partner and/or Dependent coverage.

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Employee Coverage Available in $10,000 increments Maximum: $500,000, not to exceed 5 times annual base salary Spouse Coverage Available in $10,000 increments Maximum: 100% of the elected “Employee Amount” Dependent Child Increments of $2,500 Maximum: $10,000 0-6 months of age, Max = $1,000 Guaranteed Issue Amount: Employee = $200,000 Spouse = $30,000 Dependent Child = $10,000 Coverage will be provided through Unum

• If you are currently enrolled for at least $10,000 of Voluntary Life insurance, you may

increase your coverage up to the guaranteed issue of $200,000 during Open Enrollment now or in a future Open Enrollment – no Evidence of Insurability (EOI) will be required.

• Employees who wish to enroll or increase their coverage beyond $200,000 will need

to complete an EOI application. This application will be sent directly from the carrier.

• Review and update your beneficiary information.

Voluntary Life Insurance

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Kleinfelder pays for this confidential program for you and your family. Benefits include:

• 24-hour toll-free access – Call 800.932.0034
• 6 face-to-face sessions per year (limited to 3 face-to-face sessions per 6

months in CA)

• Unlimited
• Elder care and child care referrals
• Pet care consultations
• Education referrals and resources
• Identity theft recovery referrals
• Community-based resources
• Referrals and resources for any personal service
• Legal assistance for unlimited number of issues per year
• Financial consultation for unlimited number of issues per year

Visit the website: www.acieap.com

Employee Assistance Program (EAP)

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Public Transportation

• Transit passes, fare cards, smart cards

Parking Products

• Monthly Direct Pay to parking provider; daily, weekly
• r monthly Commuter Check for Parking; Pre-paid

MasterCard

Bicycle Benefit

• $20 Voucher/month for bicycle storage between

commutes or for on-going maintenance. The vouchers may also be saved up for the purchase towards a new bicycle.

• Cannot use with Commuter Benefit – IRS does not

allow the bike benefit to be combined with any other Commuter Benefit products or company subsidy.

Aetna / PayFlex Commuter Benefits

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• Employees can order or change their January 2018 commuter benefits online at

www.PayFlex.com

• Employees can place their orders up until the 8th of the month at 11:59 p.m. Eastern

Time for the following benefit month

• Monthly orders are confirmed via email next business day
• Recurring orders are confirmed via email each month 2 days before order cutoff date
• Kleinfelder will subsidize up to $100 per month for paid parking at select locations
• Can make changes at any time based on your commuter status

Ordering Process

Member Services: 888.678.8242 Website: www.PayFlex.com

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Unum Accident Insurance Gives Y

• u Something T
• Fall Back On

How does it work?

• Pays a lump sum benefit based on the type of

injury (or covered incident) you sustain or the type

• f treatment you need
• This plan covers you both on and off the job.
• Base plan is guaranteed issue! No medical

questions!

• Benefit options:
• High Plan – Base plan plus Sickness Hospital

Confinement benefit*

• Low Plan – Base plan only
• Covered injuries include broken bones, cuts

repaired by stitches, burns, eye injuries, ruptured discs, torn ligaments, etc.

• Covered expenses include emergency room

treatment, physical therapy, doctor’s office visits, etc.

• See the schedule of benefits for a full list of

covered injuries and expenses

• You can take this coverage with you even if you

leave Kleinfelder. You own your policy

Accident Insurance Monthly Rate Plan Employee Only Employee & Spouse Employee & Children Employee & Family High $18.59 $30.92 $35.19 $47.54 Low $16.29 $26.35 $30.42 $40.47

*Sickness Hospital

Confinement Benefit

This option pays the insured employee, spouse, or child a daily benefit if he or she is hospitalized for a covered

• illness. The benefit amount is

$100 per day. Children’s coverage pays 75% of the employee amount.

You can now enroll for this benefit through the online system.

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Get Protected With Unum Group Critical Illness

• Pays a lump sum benefit after a new diagnosis of covered

illness such as a heart attack, coronary bypass surgery, stroke, blindness, or major organ failure

• Guaranteed issue for employees up to $20,000
• Employee benefit options:

$5,000, $10,000, $15,000, or $20,000

• Guaranteed issue for spouse/domestic partners up to $10,000
• Spouse/Domestic partner benefit options:

$5,000 or $10,000

• Rates are based on benefit amount elected, age, and

tobacco/non-tobacco status and remain unchanged for the duration of the policy

• You can take this coverage with you, even if you leave
• Kleinfelder. You own your policy
• Wellness benefit is included, which pays $50 per calendar year

per insured, if a covered health screening test is performed Rates are provided in the Appendix

You can now enroll for this benefit through the online system.

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2018 Employee Monthly Premiums

Critical Illness - Rates

Member Services: 800.635.5597 Includes Cancer coverage and $50 Wellness benefit Option: $10,000 Benefit Option: $5,000 Benefit

Issue ages Non-tobacco Tobacco Non-tobacco Tobacco

<25 7.20 10.20 4.40 5.90 25 – 29 7.80 11.80 4.70 6.70 30 – 34 9.70 16.10 5.65 8.85 35 – 39 12.60 22.90 7.10 12.25 40 – 44 17.20 32.80 9.40 17.20 45 – 49 23.10 44.70 12.35 23.15 50 – 54 30.00 59.10 15.80 30.35 55 – 59 39.00 74.80 20.30 38.20 60 – 64 49.40 89.40 25.50 45.50 65 – 69 55.40 93.10 28.50 47.35 70+ 98.00 149.00 49.80 75.30

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2018 Employee Monthly Premiums

Critical Illness - Rates

Member Services: 800.635.5597 Includes Cancer coverage and $50 Wellness benefit Option: $20,000 Benefit Option: $15,000 Benefit

Issue ages Non-tobacco Tobacco Non-tobacco Tobacco

<25 12.80 18.80 10.00 14.50 25 – 29 14.00 22.00 10.90 16.90 30 – 34 17.80 30.60 13.75 23.35 35 – 39 23.60 44.20 18.10 33.55 40 – 44 32.80 64.00 25.00 48.40 45 – 49 44.60 87.80 33.85 66.25 50 – 54 58.40 116.60 44.20 87.85 55 – 59 76.40 148.00 57.70 111.40 60 – 64 97.20 177.20 73.30 133.30 65 – 69 109.20 184.60 82.30 138.85 70+ 194.40 296.40 146.20 222.70

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Identity Theft – What’s Covered

Identity Restoration – Kroll’s licensed private investigators perform the bulk of the restoration work required to restore your identity to pre-theft status. Identity Consultation Services:

• Privacy and Security Best

Practice

• Event-Driven Consultation

Support

• Lost/stolen wallet assistance
• Alert and Notifications
• Monthly identity theft updates

to help educate and protect

Privacy Monitoring – monitors websites, networks and social media for member’s personal identifiable information, looking for matches of name, date of birth, social security number, driver’s license number, passport number and/or medical ID number. Security Monitoring – provides internet, court record, and credit

• monitoring. Along with credit inquiry

alerts, payday loan monitoring and quarterly credit score tracking

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Benefit Provider Group ID Phone/website

Employee Advocacy Center Lockton Kleinfelder 844.398.0461

Website: Kleinfelderbenefits@lockton.com

Fax: 844.398.0462 Medical HDHP PPO High HDHP PPO Mid HDHP PPO Low Aetna 469701 Member Services: 877.204.9186 Website: www.aetna.com DocFind: www.aetna.com/docfind

(Choice POS II)

Health Spending Account (HSA)

HDHP Participants Only

HealthEquity Kleinfelder Member Services: 866.346.5800 Website: www.healthequity.com Flexible Spending Account (FSA) Aetna/ PayFlex Kleinfelder 125772 Member Services: 844.729.3539 Website: www.payflex.com

Additional Contact Information