2022 United Stated Benefits Options

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Discover the Power of Team 2022 United States Benefits Options

Agenda

+ Benefits Choices + Benefits Philosophy + Work/Life Balance + Holidays

2022 Holidays

+ Martin Luther King Day – Monday, January 17 th + Memorial Day – Monday, May 30 th + Independence Day – Monday, July 4th + Labor Day – Monday, September 5 th + Thanksgiving – Thursday, November 24th

+ Day After Thanksgiving – Friday, November 25th + Christmas Day – Monday, December 26th (observed) + Additional 4 Floating Holidays for 2022 + Allowance is subject to change each year and the balance is prorated based on start date

Work/Life Balance

Best 40

Paid Time Off PTO resets on January 1 of each calendar year. 1 st year:15 days prorated 2 nd year: 15 days 3 rd year: 20 days 6 th year: 25 days Accrues monthly in line with our PTO policy

Floating Holidays are given to our associates each year. For 2022, associates received 4 additional floating holidays to use for the year. This number will change from year to year. Floating Holidays

Give us your best 40 hours! Start any time before 9:30am Lunch 30 or 60 mins Earliest end time is 4:30

Work 8 hours per day

Our Benefits Options

Financial

Medical

Ancillary Health

Lincoln

Fidelity

Medical Mutual

+ Medical + FSA Health Spending Account + FSA Dependent Spending Account + Health Savings Account

+ Dental + Vision + Optional life insurance for employee and dependents + Company-paid: Life, STD, LTD, and AD&D

+ Traditional 401K + ROTH 401K + Company match of $0.50 on the dollar between 2% and 5%

Different Types of Spending

Although the premium is a pre-tax statement, Dwellworks covers the majority for each plan.

A premium is the amount paid by the associate on a semi- monthly basis . PREMIUM

OUT-OF-POCKET MAXIMUM

Examples of a co-pay include office visits, Rx, urgent care, emergency room, and other services outlined in the summary of benefits and summary plan descriptions. Although a co-pay is excluded from the deductible, it is included in the out-of-pocket maximum. For a deductible, apply only to covered medical services listed with a percentage in the summary of benefits and summary plan descriptions. On the PPO plans, the single deductible applies to each individual enrolled in the EE+children or family plans with no more than three family members maxing out the deductible. The coinsurance eligible services are noted in the summary of benefits with notation of a percentage, and the costs will be applied to deductible. Once the deductible is satisfied, the associate will share in the service’s cost.

The out-of-pocket maximum is the amount an associate will pay annually for services.

CO-PAY

COINSURANCE

A co-pay is a flat dollar amount paid for services as part of the Preferred Provider Organization (PPO) plans.

A coinsurance is the percentage of negotiated costs that associates pay for eligible services.

A deductible is the annual amount that must be satisfied prior to coinsurance percentages being applied. DEDUCTIBLE

Services for out-of-pocket maximum apply to co-pays, deductibles and coinsurances.

+ To access the website Go to: MedMutual.com/member + Provider directory on site: www.medmutual.com > Find a Doctor > Group > SuperMed PPO + Choose from three options that have varying deductibles and coverages + All plans utilize the same network of providers - Decide based on coverage, not providers +Outside of Ohio utilizes the Aetna network Medical Mutual

Medical

Option #1: High Deductible/HSA Deductible: Deductible must be met before coinsurance applies Single $2,800 Family $5,600

Co-Insurance

Insurance pays 80% after deductible

Max Out of Pocket

Single $5,100 Family $10,200

Life Max

Unlimited

Office visit or virtual visit

80% coverage after deductible 100% no cost to associate 80% coverage after deductible 80% coverage after deductible 80% coverage after deductible 80% coverage after deductible & contributes to Out of Pocket Max 80% coverage after deductible to Out of Pocket Max

Preventative Care Emergency Room

Urgent Care

Lab/Diagnostic

RX Retail

RX Mail Order

Option #1: High Deductible/HSA

+ Those enrolled in Option 1 can open a Health Savings Account through OptumUHC + Put money aside pre-tax for eligible expenses (list in pdf). + 2022 Maximums $3,650 Single/ $7,300 Family - Additional $1,000 for Single and Family if 55 and older - Amount can be changed each pay + You can only use money that you have in the account - There is no gatekeeper – keep your receipts! + If you leave Dwellworks, the account goes with you + If you change plans, you can still use the money for eligible expenses + The money can accumulate year to year, and be invested in Mutual Funds once a threshold is met

Option #1: High Deductible/HSA

2022 Rate (Per-Pay)

Dwellworks Portion (Per-Pay)

EE ONLY

$5.95

$187.90

EE+SP

$138.79

$284.67

EE+CH

$106.59

$219.29

FAMILY

$194.93

$398.82

Option #2- PPO Plan Deductible: Deductible must be met before coinsurance applies

Single $1,250 Family $2,500

Co-Insurance

80% after deductible* (changes may apply if it’s out of network)

Single $3,000 Family $6,000

Max Out of Pocket

Life Max

Unlimited

Office/Specialist Visit Preventative Care

$30 each visit

100% no cost to associate

Emergency Room

$250

Urgent Care

$75

Lab/Diagnostic

80% coverage after deductible

RX Retail

30 day supply $10/$30/$50/$100 (tiers)

RX Mail Order

90 day supply $25/$75/$125/$250

Option #2- PPO Plan

2022 Rate (Per-Pay)

Dwellworks Portion (Per-Pay)

EE ONLY

$58.09

$192.70

EE+SP

$191.52

$360.21

EE+CH

$147.08

$276.75

FAMILY

$268.98

$505.95

+Option #3- PPO Plan Option #3- PPO Plan Deductible: Deductible must be met before coinsurance applies

Single $500 Family $1,500

Co-Insurance

80% after deductible

Max Out of Pocket

Single $2,000 Family $4,000

Life Max

Unlimited

Office Visit

$20 each visit

Preventative Care Emergency Room

100% no cost to associate

$250

Urgent Care

$75

Lab/Diagnostic

80% coverage after deductible

RX Retail

30 day supply $10/$30/$50/$100 90 day supply $25/$75/$125/$250

RX Mail Order

Option #3- PPO Plan

2022 Rate (Per-Pay)

Dwellworks Portion (Per-Pay)

EE ONLY

$78.58

$186.62

EE+SP

$241.83

$341.60

EE+CH

$185.73

$262.45

FAMILY

$339.64

$479.82

+ Administered through UHC + Tax deferred way to save for eligible expenses +Once you decide to join you are locked in for the year + Dwellworks offers two FSA options - Health Care FSA - Dependent Care FSA + Available for Option 2 and 3 + If you are enrolled in Option 1 you are eligible for Dependent Care FSA only Flexible Spending Accounts

Healthcare FSA

+ Maximum contribution amount is $2,850 annually in 2022 + FSA rollover of $550 + Contributions through payroll in equal increments each pay + Can use the money in advance of it being in your account + You can apply for a debit card, submit claims online, or submit paper claims + Must incur claims during the claim period to receive reimbursement + Account is terminated upon exit date from Dwellworks

Dependent Care FSA

+ For expenses for dependents under the age of 13 - Disabled/elderly dependents may also be eligible +Maximum of $5,000 annually can be set aside + Deductions are taken in equal increments each pay +Works like a checking account, can only use the money when it is in the account + Account is terminated upon termination date from Dwellworks

Flexible Spending Account Options

Dependent Care FSA + Taken in equal increments each pay + Works like a checking account: Can only use the money when it is in the account

Healthcare FSA + Taken in equal increments each pay + Can use the money before it is in your account + Use it or lose it: can only use the rollover before March 31 st of 2023.

Medical Options Summary

Description Deductible

Option 1 HSA Option 2 PPO Option 3 PPO

Single $2,800 Family $5,600 Single $5,100 Family $10,200

Single $1,250 Family $2,500 Single $3,000 Family $6,000 $30/ $75/ $250

Single $500 Family $1,500 Single $2,00 Family $4,000 $25/ $75/ $250

Max out of Pocket

Office Visit/Urgent Care/ Emergency Room

80% coverage after deductible

RX Retail

80% coverage after deductible

$10/$30/$50/$100 $10/$30/$50/$100

Pre-Tax Accounts Available Per Pay Cost Employee only

HSA; FSA Dependent Option 1 HSA

FSA Health; FSA Dependent

Option 2 PPO Option 3 PPO

$5.95

$58.09

$78.58

Employee + Spouse

$138.79

$191.52

$241.83

Employee + Child(ren)

$106.59

$147.08

$185.73

Family

$194.93

$268.98

$339.64

Ancillary Health

Lincoln Dental

In Network

Out of Network

Deductible

$50 single/$150 family

Annual Max allowed per Benefit Period Class I: Preventive Services Routine oral exams and cleanings, x-rays (bitewing), sealants & fluoride treatments, space maintainers Class II: Basic Services Periodontics (surgical and non), endodontics (root canals), oral surgery, fillings, prosthetic maintenance & x-rays (full mouth)

$1,500

$1,000

Covered at 100% Covered at 100% of usual and customary

Covered at 100% Covered at 80% of usual and customary

Class III: Major Services Prosthodontics, crowns, inlays/onlays, dentures, implants & bridges

Covered at 60% Covered at 50% of usual and customary

Orthodontia Lifetime Maximum - $1,000 Covered at 50% Covered at 50% of usual and customary To find an in-network dentist near you, visit www.LincolnFinancial.com/FindADentist

Lincoln Dental

2022 Rate (Per Pay)

Dwellworks Portion (Per Pay)

EE ONLY

$0.87

$15.63

EE+SP

$10.75

$23.30

EE+CH

$13.90

$30.16

FAMILY

$19.43

$42.18

Lincoln Vision Plan Features

IN-NETWORK (Spectera) PROVIDER

OUT-OF-NETWORK PROVIDER

Vision Exam Single Lenses

$10 copay $10 copay $10 copay $10 copay

Up to $40 Up to $40 Up to $60 Up to $80 Up to $125 No discounts

Bifocals Trifocals

Contact Lenses

$125 retail allowance

Contact Lens Evaluation Fitting

15% off UCR

Exams Lenses

Once every 12 months Once every 12 months

Frames

Once every 24 months

Contacts

Once every 12 months (contacts in lieu of frames/lenses)

Once every 12 months

To find an in-network provider, visit lvc.lft.com, on the left side of the page, use the Provider Quick Search Box then enter zip code. Search by location, doctor name, or office name.

Lincoln Vision

2022 Rate (Per Pay)

Dwellworks Portion (Per Pay)

EE ONLY

$0.23

$2.31

EE+SP

$2.34

$2.47

EE+CH

$2.38

$3.27

FAMILY

$3.77

$4.17

Company-Paid Benefits 01 Life Insurance $50,000 for each employee

Short-Term Disability (STD) + 60% of base earnings & commission to a $750 weekly max + Up to 13 weeks of benefit including 7 day waiting period

Long-Term Disability (LTD) + 60% of base earnings & commission to $6,000 monthly max + 90 day waiting period (covered by STD)

AD&D $50,000

Optional Benefit: Through Guardian, employees can elect to enroll in additional life insurance at a per pay cost to the employee.

Supplemental Life Insurance

+ Associates have the opportunity to enroll in supplemental life insurance. Coverage is also available for your spouse and/or child dependents. You are required to elect coverage for yourself in order to be eligible for coverage on your dependents. + Coverage Options + Associate Coverage – choose in increments of $25,000 up to $150,000 + Spouse Coverage – choose in increments of $12,500 up to $50,000 *cannot exceed 50% of employees elected amount + Dependent Child Coverage – flat amount of $10,000 from age 15 days + + Guaranteed Issue + Employee $150,000, Spouse $50,000, Dependent Child $10,000 *If you and your dependents enroll in coverage at your initial eligibility date. you may apply for up to the Guaranteed Issue amounts without medical questions. Any amount elected over the GI will require Evidence of Insurability (EOI). If you elect optional life coverage, and are required to complete an EOI, it is your responsibility to complete the EOI and send to the provider.

Our Program Provides + Confidential assistance for many of life’s stressful issues + Available to all employees even if not enrolled in our benefit programs + Plan offers for FREE - Unlimited phone sessions - 5 in-person sessions Employee Assistance Program

401K

+ 2022 Maximums Fidelity 401(k)

- $20,500 401(k) Deferral - $6,500 catch-up for qualified employees 50 or older (notify us ASAP) + 50% matching contributions on deferrals of 2-5% of earnings - Traditional or ROTH +Manage deferral choices and how funds are invested online at Fidelity’s website: 401K.com + Chris Naples for investment questions: - Christopher.Naples@morganstanley.com - 234.380.4805

401k Fidelity and UKG

+ You’re able to begin contributions into your 401k the first of the month after your date of hire (same as all other benefits) + Eligibility information is transferred from UKG to Fidelity approx. 10 days after your hire date. + Due to the delay in the file feed this may impact your first contribution date + If you try to log into 401k.com before the eligibility information has been sent Fidelity will have no record of you on file + Once you’re active in Fidelity, you’ll be able to make deferral elections + 401k contributions are done at 401k.com and may be updated as many times as the associate wishes + + If you’re not sure when your change will go into effect ask a member of HR for details

+ Plan automatically increases your deferral rate by 1% annually - Effective on 4/15/22 for 4/30/22 payroll + Autoincrease is capped once you hit 10% but of course you are able to contribute more up to the annual maximum. + If you are not enrolled in our 401(k), you will not be enrolled during auto increase. 401(k) Auto Annual Increase

Pre-Tax Benefits

Options to Reduce Taxable Income + Premiums for medical, vision, and dental + Contributions to Healthcare FSA and Dependent Care FSA + Contributions to HSA (only available for employees enrolled in HSA plan) + Contributions to traditional 401k

SHANA ZOLLAR Chief Human Resources Officer

Jessica Shook HR Consultant

Liv Benton Corporate Recruiter

Virgie Castro-Conde Sr. HR Generalist

Bayron Chaves HRIS Admin

Visit the HR page on our intranet to learn more about our benefits options

Thank You!

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