US Benefits 2020

Discover the Power of Team 2020 United States Benefits Options

© 2019 Dwellworks

Our 2020 Holidays

+ New Year’s Day – Tuesday, January 1st + Memorial Day – Monday, May 25th + Independence Day – Friday, July 3rd + Labor Day – Monday, September 7th + Thanksgiving – Thursday, November 26th + Day After Thanksgiving – Friday, November 27th + Christmas Eve – Thursday, December 24th + Christmas Day – Friday, December 25th

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Work/Life Balance

Best 40

Work From Home

Paid Time Off 1 st year:15 days prorated 2 nd year: 15 days Jan 1 st 3 rd year: 20 days Jan 1 st 6 th year: 25 days Jan 1 st

Goal: be most productive during your work week

After 6 months, work remotely one day per week, plus 5 days per year

Start 7:30am - 9:30am Lunch 30 or 60 mins End 4:30pm - 6:30pm

Accrues monthly

Work 8 hours per day

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Option #1: High Deductible/HSA

Deductible: Deductible must be met before coinsurance applies

Single $2,800 Family $5,600

Co-Insurance

80% after deductible

Max Out of Pocket

Single $5,100 Family $10,200

Life Max

Unlimited

Office visit

20% after deductible

Preventative Care

100% no cost to associate

Emergency Room

20% after deductible

Urgent Care

20% after deductible

Lab/Diagnostic

20% after deductible

RX Retail

20% after deductible & contributes to Out of Pocket Max 20% after deductible to Out of Pocket Max

RX Mail Order

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Option #1: High Deductible/HSA

2020 Rate (Per-Pay)

Dwellworks Portion (Per-Pay)

EE ONLY

$5.95

$190.40

EE+SP

$138.79

$290.17

EE+CH

$106.59

$223.51

FAMILY

$194.93

$406.55

© 2019 Dwellworks

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

+ 2020 Maximums $3,550 Single/ $7,100 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

© 2019 Dwellworks

Option #2- PPO Plan

Deductible: Deductible must be met before coinsurance applies

Single $1,250 Family $2,500

Co-Insurance

80% after deductible

Max Out of Pocket

Single $3,000 Family $6,000

Life Max

Unlimited

Office/Specialist Visit

$30 each visit

Preventative Care

100% no cost to associate

Emergency Room

$250

Urgent Care

$75

Lab/Diagnostic

20% after deductible

RX Retail

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

RX Mail Order

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Option #2- PPO Plan

2020 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

© 2019 Dwellworks

+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

100% no cost to associate

Emergency Room

$250

Urgent Care

$75

Lab/Diagnostic

20% after deductible

RX Retail

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

RX Mail Order

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Option #3- PPO Plan

2020 Rate (Per-Pay)

Dwellworks Portion (Per-Pay)

EE ONLY

$78.58

$186.62

EE+SP

$241.83

$341.60

EE+CH

$185.73

$262.40

FAMILY

$339.64

$479.82

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Flexible Spending Accounts

+ 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

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Healthcare FSA

+ Maximum contribution amount is $2,750 annually in 2020

+ 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

© 2019 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

© 2019 Dwellworks

Guardian Dental

+ Dental providers on site : www.guardiananytime.com

+ Maximum rollover account limit = $1,000

+ Orthodontia for dependents under age 19

In Network

Out of Network

Deductible

$50/$150

$50/$150

Annual Max

$1,500

$1,000

Preventive

100%

100%

Basic

100%

80% 50% 50%

Major

60% 50%

Orthodontia

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Guardian Dental

2020 Rate (Per Pay)

Dwellworks Portion (Per Pay)

EE ONLY

$0.80

$16.81

EE+SP

$9.86

$26.48

EE+CH

$12.75

$34.27

FAMILY

$17.83

$47.92

© 2019 Dwellworks

Guardian Vision

Network

VSP Network Signature Plan

Exam Co-Pay

$10

Materials Co-Pay (waived for elective contact lenses)

$25

Single, Bifocal, and Trifocal Lenses

$0

Frames

$120 Allowance then 20% discount

Contact Lenses (Elective)

$120 Allowance

Contact Lenses (Medically necessary)

$0

Laser Correction Surgery Discount

15% off

Exam Frequency

Every 12 months

Lenses Frequency (Glasses or Contacts)

Every 12 months

Frames Frequency

Every 12 months

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Guardian Vision

2020 Rate (Per Pay)

Dwellworks Portion (Per Pay)

EE ONLY

$0.23

$4.03

EE+SP

$2.34

$4.84

EE+CH

$2.38

$4.94

FAMILY

$3.77

$7.81

© 2019 Dwellworks

Company-Paid Benefits

Life Insurance $50,000 for each employee

01

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

02

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

03

AD&D $50,000

04

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

© 2019 Dwellworks

Voluntary Life Insurance

+ We offer Voluntary Life Insurance for yourself, spouse and children

- You must elect employee voluntary life if you want to cover your dependents

Employee Spouse

Children

$25,000

$12,500

$2,500

$50,000

$25,000

$5,000

$100,000 $50,000

$10,000

$150,000 $50,000

$10,000

+ If you are adding or increasing your voluntary life insurance for yourself or your dependents you are subject to the Evidence of Insurability Form

- A member of the HR team will contact you if this applies

© 2019 Dwellworks

Fidelity 401(k)

+ 2020 Maximums

- $19,500 401(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

+ Chris Naples for investment questions:

- Christopher.Naples@morganstanley.com

- 234.380.4805

© 2019 Dwellworks

Thank You!

© 2019 Dwellworks