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2023BENEFITS GUIDE

INTRODUCTIONPHYSICAL WELL-BEINGWe offer health and wellness benets to help you get the most out of your daily activities by taking care of your body and forming daily habits and behaviors that have a signicant impact on your overall health, well-being and quality of life.EMOTIONAL WELL-BEINGThe mind-body connection is powerful. The benets we offer help you stay productive and cope with the stresses of everyday life including mental health programs and advocacy services for you and your family to reduce stress.FINANCIAL WELL-BEINGOur benets help you control your nancial destiny with tools and resources to manage high medical expenses, save you money and help you grow your savings for the future.SOCIAL WELL-BEINGWe offer benets programs to help you feel authentic, valued, and provide a sense of connectedness and belonging.

CONTENTSThe information in this guide will help you make the best benets choices for you and your family and be a helpful reference throughout the year.Benets Eligibility   EnrollmentMedical Insurance4 6   Prescription Drugs7Health Savings Account (HSA) 7Dental Insurance8Vision Insurance9Flexible Spending Accounts (FSAs)   Commuter Spending Accounts 11  Life and AD&D Insurance  Disability Insurance   401k Retirement Savings 14 Employee Assistance Programs and Mental Wellness15Paid Time Off16  Lifestyle Benets17   Notications    18     19      Understanding Benets TermsNotesResources and Contact Information

Proof of Eligibility Who Is Eligible?Making Changes••Common Qualifying Life Events••••••At ERC Pathlight, we know our dedicated employees are key to our overall success as an organization. You work hard to support our mission. Our goal is to help you in your quest for well-being.2

Get the most from your benets.1Consider how you and your family use your coverage.2Review this guide. 3 Enroll using the UKG Benets Center.Ask Emma can help you determine the best medical plan for you and your family. She’s there to help you throughout the enrollment process. Just access the UKG Benets Center.3ERC Pathlight Benets Center | 1-800-619-4957 | ERCBenets@AssuredPartners.com

Coverage Details Choice Plus PPO 5000 Choice Plus HDHP Choice Plus PPO 1000— IN-NETWORK —Annual Deductible1  Annual Out-of-Pocket Maximum  Annual ERC Pathlight HSA Contribution2  — WHAT YOU PAY —Preventive Care   Telemedicine Visit   Primary Care Visit   Specialist Visit   Urgent Care Visit   Emergency Room Visit  Lab/X-Ray   Inpatient/Outpatient Hospital   Inpatient Mental Health/Substance Abuse   Outpatient Mental Health/Substance Abuse   Nutritional Counseling   Chiropractic   Acupuncture   Massage Therapy   1HOW TO FIND AN IN-NETWORK MEDICAL PROVIDERVisit myuhc.com or call 1-866-633-2446.4

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IRS Publication 502Benets of an HSA•••••The RulesYou must be enrolled in an HDHP to be eligible for the HSA, but you can’t:••••Coverage DetailsChoice Plus PPO 5000 Choice Plus HDHP Choice Plus PPO 1000 — In-Network — Retail (30-day supply)      Home Delivery (90-day supply)     Express-Scripts.com.7ERC Pathlight Benets Center | 1-800-619-4957 | ERCBenets@AssuredPartners.com

Coverage DetailsBase Plan Buy-Up Plan   YOU PAY: YOU PAY:Deductible (individual/family) Annual Benet Maximum  Diagnostic/Preventive Services    Basic Services    Major Services    Orthodontia (children and adults)    Lifetime Orthodontia Maximum   DeltaDentalCo.com Your oral health is connected to your overall health. Researchers have found links between gum disease and systemic health, including associations with heart disease and strokes. That’s why it’s so important to make dental care a priority — it can help you and your family live healthier!Base Plan Buy-Up PlanEmployee Only  Employee + Spouse/Domestic Partner  Employee + Child(ren)  Employee + Family  Your Biweekly Dental Plan Cost8

vsp.comCoverage Details In-Network Out-of-NetworkVision Exam (once every 12 months)  Lenses (once every 12 months)— Single  — Bifocal  — Trifocal  Frames (once every 24 months)Contact Lenses (once every 12 months)  Laser Vision CorrectionVision PlanEmployee Only Employee + Spouse/Domestic Partner Employee + Child(ren) Employee + Family Your Biweekly Vision Cost9ERC Pathlight Benets Center | 1-800-619-4957 | ERCBenets@AssuredPartners.com

WexInc.comMedical FSADependent Care FSAThe RulesFSAs offer many tax advantages but are subject to IRS rules:10

Parking WEX debit cardTransit WEX debit card11ERC Pathlight Benets Center | 1-800-619-4957 | ERCBenets@AssuredPartners.comYOUR HEALTH PLAN

Basic Life and AD&ADVoluntary Life and AD&DEvidence of Insurability (EOI)If you don’t enroll in Voluntary Life when initially eligible, you’ll be required to provide proof of good health for any amount elected. Coverage will take effect once approved by New York Life.Plan FeaturesEmployee Spouse/Partner* Child(ren)Coverage OptionGuarantee Issue Amount     12

Short-Term DisabilityShort-Term Disability (STD)Benet Amount 75%, up to $2,885 per weekElimination Period 0 days for accident / 7 days for illnessMaximum Duration 13 weeksLong-Term Disability (LTD)Benet Amount 60%, up to monthly maximum*Elimination Period 90 daysMaximum DurationYour normal Social Security retirement age or the maximum benet period as dened by the planLong-Term Disability13ERC Pathlight Benets Center | 1-800-619-4957 | ERCBenets@AssuredPartners.com

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With Modern Health you have quick access to personalized mental health support through:••••In addition, you have access to our Employee Assistance Program (EAP) through Workplace Options:•••ModernHealth.HelpWhereYouAre.comEatingRecoveryCenterPrivate & Confidential - Do Not DistributeHow Modern Health works.1. Answer a few simple questions.Share your needs and preferences through a clinically validated self-assessment.2. Learn about your care recommendation.Modern Health will guide you to recommended care to support you in your preferred areas of focus.3. Get connected to care.Get started with your preferred forms of care, whether that’s one-on-one,group, or self-paced.Here’s how you can get started:1my.modernhealth.com234You can invite your family members to Modern Health once you’re signed up.Private & Confidential - Do Not DistributeHow Modern Health works.1. Answer a few simple questionsShare your needs and preferences through a clinically-validated self-assessment.2. Learn about your care recommendationModern Health will guide you to recommended care to support you in your preferred areas of focus.3. Get connected to careGet started with your preferred forms of care, whether that’s one-on-one,group, or self-paced.Private & Confidential - Do Not DistributeHow Modern Health works.1. Answer a few simple questionsShare your needs and preferences through a clinically-validated self-assessment.2. Learn about your care recommendationModern Health will guide you to recommended care to support you in your preferred areas of focus.3. Get connected to careGet started with your preferred forms of care, whether that’s one-on-one,group, or self-paced.15ERC Pathlight Benets Center | 1-800-619-4957 | ERCBenets@AssuredPartners.com

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Special Medical Enrollment Rights and Responsibilities Under HIPAASpecial Enrollment ProvisionLoss of Eligibility Under Medicaid or a State Children’s Health Insurance Program (CHIP)Loss of Eligibility for Other CoverageNew Dependent by Marriage, Birth, Adoption or Placement for AdoptionEligibility for Medicaid or CHIP State Premium Assistance SubsidyIf You Decline Coverage, You Must Complete a “Decline Coverage Form” ••••18

Medicare Part D Credibility NoticeBelow are highlights to note:The information below indicates whether prescription drug coverage under our plan is creditable. Secondary Payor to Medicare Noticemedicare.gov/Contacts/#resources/shipsWomen’s Health and Cancer Rights Act (WHCRA)••••Non-Grandfathered Medical Plan Appeals ProcessesCreditable Coverage Non-creditable Coverage 19ERC Pathlight Benets Center | 1-800-619-4957 | ERCBenets@AssuredPartners.com

Premium Assistance Under Medicaid or The Children’s Health Insurance Programhealthcare.gov.1-877-KIDS NOWinsurekidsnow.govou must request coverage within 60 days of being determined eligible for premium assistanceaskebsa.dol.gov1-866-444-EBSA (3272)ALABAMA — MedicaidWebsite: http://myalhipp.com/Phone: 1-855-692-5447ALASKA — MedicaidThe AK Health Insurance Premium Payment ProgramWebsite: http://myakhipp.com/ Phone: 1-866-251-4861Email: CustomerService@MyAKHIPP.comMedicaid Eligibility: https://health.alaska.gov/dpa/Pages/default.aspxARKANSAS — MedicaidWebsite: http://myarhipp.com/Phone: 1-855-MyARHIPP (1-855-692-7447)Email: CustomerService@MyArHIPP.com CALIFORNIA — MedicaidHealth Insurance Premium Payment (HIPP) ProgramWebsite: http://dhcs.ca.gov/hipp Phone: 1-916-445-8322 Fax: 1-916-440-5676 Email: hipp@dhcs.ca.govCOLORADO — Health First Colorado (Colorado’s Medicaid Program) & Child Health Plan Plus (CHP+)Health First Colorado Website: https://www.healthrstcolorado.com/Health First Colorado Member Contact Center: 1-800-221-3943/ State Relay 711CHP+: https://www.colorado.gov/pacic/hcpf/child-health-plan-plusCHP+ Customer Service: 1-800-359-1991/ State Relay 711 Health Insurance Buy-In Program (HIBI): https://hcpf.colorado.gov/health-insurance-buy-programHIBI Customer Service: 1-855-692-6442FLORIDA — MedicaidWebsite: https://www.medicaidtplrecovery.com/medicaidtplrecovery.com/ hipp/index.htmlPhone: 1-877-357-3268GEORGIA — MedicaidGA HIPP Website: https://medicaid.georgia.gov/health-insurance-premium-payment-program-hippPhone: 1-678-564-1162, Press 1GA CHIPRA Website: https://medicaid.georgia.gov/programs/third-party-liability/childrens-health-insurance-program-reauthorization-act-2009-chipraPhone: 1-678-564-1162, Press 2INDIANA — MedicaidHealthy Indiana Plan for low-income adults 19-64Website: http://www.in.gov/fssa/hip/Phone: 1-877-438-4479All other MedicaidWebsite: https://www.in.gov/medicaid/ Phone: 1-800-457-4584IOWA — Medicaid and CHIP (Hawki)Medicaid Website: https://dhs.iowa.gov/ime/members Medicaid Phone: 1-800-338-8366Hawki Website: http://dhs.iowa.gov/HawkiHawki Phone: 1-800-257-8563HIPP Website: https://dhs.iowa.gov/ime/members/medicaid-a-to-z/hippHIPP Phone: 1-888-346-9562KANSAS — MedicaidWebsite: https://www.kancare.ks.gov/ Phone: 1-800-792-4884KENTUCKY — MedicaidKentucky Integrated Health Insurance Premium Payment Program (KI-HIPP) Program (KI-HIPP) Website: https://chfs.ky.gov/agencies/dms/member/Pages/kihipp.aspxPhone: 1-855-459-6328Email: KIHIPP.PROGRAM@ky.govKCHIP Website: https://kidshealth.ky.gov/Pages/index.aspx KCHIP Phone: 1-877-524-4718Kentucky Medicaid Website: https://chfs.ky.gov20

LOUISIANA — MedicaidWebsite: www.medicaid.la.gov or www.ldh.la.gov/lahipp Phone: 1-888-342-6207 (Medicaid hotline) or 1-855-618-5488 (LaHIPP) MAINE — MedicaidEnrollment Website: https://www.maine.gov/dhhs/o/applications-formsPhone: 1-800-442-6003TTY: Maine relay 711Private Health Insurance Premium Webpage: https://www.maine.gov/dhhs/o/applications-forms Phone: 1-800-977-6740TTY: Maine relay 711MASSACHUSETTS — Medicaid and CHIPWebsite: https://www.mass.gov/masshealth/paPhone: 1-800-862-4840TTY: 1-617-886-8102MINNESOTA — MedicaidWebsite: https://mn.gov/dhs/people-we-serve/children-and-families/health-care/health-care-programs/programs-and-services/other-insurance.jspPhone: 1-800-657-3739MISSOURI — MedicaidWebsite: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm Phone: 1-573-751-2005MONTANA — MedicaidWebsite: http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP Phone: 1-800-694-3084Email: HHSHIPPProgram@mt.govNEBRASKA — MedicaidWebsite: http://www.ACCESSNebraska.ne.gov Phone: 1-855-632-7633Lincoln: 1-402- 473-7000Omaha: 1-402-595-1178NEVADA — MedicaidMedicaid Website: http://dhcfp.nv.gov Medicaid Phone: 1-800-992-0900NEW HAMPSHIRE — MedicaidWebsite: https://www.dhhs.nh.gov/programs-services/medicaid/health-insurance-premium-program Phone: 1-603-271-5218Toll-free number for the HIPP program: 1-800-852-3345, ext 5218 NEW JERSEY — Medicaid and CHIPMedicaid Website: http://www.state.nj.us/humanservices/dmahs/clients/medicaid/Medicaid Phone: 1-609-631-2392CHIP Website: http://www.njfamilycare.org/index.html CHIP Phone: 1-800-701-0710NEW YORK — MedicaidWebsite: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831NORTH CAROLINA — MedicaidWebsite:https://medicaid.ncdhhs.gov/Phone: 1-919-855-4100NORTH DAKOTA — MedicaidWebsite: http://www.nd.gov/dhs/services/medicalserv/medicaid/Phone: 1-844-854-4825OKLAHOMA — Medicaid and CHIPWebsite: http://www.insureoklahoma.orgPhone: 1-888-365-3742OREGON — MedicaidWebsite: http://healthcare.oregon.gov/Pages/index.aspx http://www.oregonhealthcare.gov/index-es.htmlPhone: 1-800-699-9075PENNSYLVANIA — MedicaidWebsite: https://www.dhs.pa.gov/Services/Assistance/Pages/HIPP-Program.aspxPhone: 1-800-692-7462RHODE ISLAND — MedicaidWebsite: http://www.eohhs.ri.gov/Phone: 1-855-697-4347 or 1-401-462-0311 (Direct RIte Share Line)SOUTH CAROLINA — MedicaidWebsite: https://www.scdhhs.govPhone: 1-888-549-0820SOUTH DAKOTA — MedicaidWebsite: http://dss.sd.govPhone: 1-605-773-4678TEXAS — MedicaidWebsite: http://gethipptexas.com/Phone: 1-800-440-0493UTAH — Medicaid and CHIPMedicaid Website: https://medicaid.utah.gov/Medicaid Phone: 1-866-435-7414CHIP Website: http://health.utah.gov/chipCHIP Phone: 1-866-435-7414; Menu option option 4; then press 2VERMONT — MedicaidWebsite: http://www.greenmountaincare.org/Phone: 1-800-250-8427VIRGINIA — Medicaid and CHIPWebsite: https://www.coverva.org/en/famis-select https://www.coverva.org/en/hippMedicaid Phone: 1-800-432-5924CHIP Phone: 1-800-432-5924WASHINGTON — MedicaidWebsite: https://www.hca.wa.gov/ Phone: 1-800-562-3022WEST VIRGINIA — MedicaidWebsite: https://dhhr.wv.gov/bms/ Website: http://mywvhipp.com/ Medicaid Phone: 1-304-558-1700CHIP Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447)WISCONSIN — Medicaid and CHIPWebsite: https://www.dhs.wisconsin.gov/badgercareplus/p-10095.htmPhone: 1-800-362-3002WYOMING — MedicaidWebsite: https://health.wyo.gov/healthcaren/medicaid/ programs-and- eligibility/Phone: 1-307-777-7531To see if any other states have added a premium assistance program since July 31, 2022, or for more information on special enrollment rights, contact either:U.S. Department of LaborU.S. Department of Health and Human Services21ERC Pathlight Benets Center | 1-800-619-4957 | ERCBenets@AssuredPartners.com

Knowing and understanding your benets is important to choosing the path that is best for you and your family. These denitions will help you understand your coverages and enable you to make informed decisions.Coinsurance Copay Deductible Evidence of Insurability (EOI) Generic Drugs In-Network Provider Out-of-Network Provider Non-Preferred Drugs Out-of-Pocket Maximum Preferred Drugs 22 22

23ERC Pathlight Benets Center | 1-800-619-4957 | ERCBenets@AssuredPartners.com

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