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EMPLOYEE BENEFITSGUIDE2024 - 2025The Shelton CompaniesAn overview of the wide array of benefits provided byThe Shelton Companies to help you enjoy increased well-being and financial security.

INTRODUCTIONThis booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits GuideAs an employee of The Shelton Companies, enjoying your work and making valuable contributions to business are equally vital. The health, satisfaction and security of you and your family are important, not only to your well-being, but ultimately, in terms of achieving the goals of our organization.For the 2024-2025 plan year, which runs December 1, 2024 through November 30, 2025, The Shelton Companies has worked hard to offer a competitive total rewards package that includes valuable and competitive benefits plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and The Shelton Companies is offering an overall benefits package that can be shaped and molded by you to fit your needs.This benefits booklet is a summary of your The Shelton Companies benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment.We hope this benefits booklet, along with our additional communication and decision-making tools, will help you make the best health care choices for you and your family.2024 - 2025The Shelton CompaniesBenefits Begin Next day following 90 days of employmentBenefits End Last day of employmentDependents Legal spouse, children up to age 26

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 The Shelton CompaniesComparison of PlansCoverage Provided by Blue Cross of NCIn-Network Base Plan: $6,000 HDHP Buy-Up HDHP: $3,500 $2,500 Copay PlanBenefit Period 12/1 – 11/30 12/1 – 11/30 12/1 – 11/30Deductibles (Individual / Family)$6,000/$12,000 $3,500/$7,000 $2,500/$5,000Preventive Care $0, Covered 100% $0, Covered 100% $0, Covered at 100%Primary Care Visit 30% after deductible 30% after deductible $25 Copay*Specialist Visit 30% after deductible 30% after deductible $50 CopayTelehealth via Teladoc 30% after deductible 30% after deductible $10 CopayUrgent Care 30% after deductible 30% after deductible $50 CopayEmergency Room 30% after deductible 30% after deductible $500 CopayOutpatient Procedure 30% after deductible 30% after deductible 20% after deductibleInpatient Visit 30% after deductible 30% after deductible 20% after deductibleEssential C FormularyPharmacy / RX (30 Day Supply)Enhanced Preventive: 30%All Others: 30% afterdeductibleEnhanced Preventive: 30%All Others: 30% afterdeductibleTiers 1-5$4/$15/$30/$45/25%**$50 min, $100 max Out-of-Pocket Max (Individual / Family)$8,050/$16,100 $7,000/$14,000 $5,500/$11,000MEDICALThe Shelton Companies offers a dual option medical plan through Blue Cross Blue Shield of NC (BCBSNC). The chart below provides a high-level overview of the In-Network benefits. Out-of-Network benefits are available; please review your BCBSNC plan documents for additional details.*1st 3 visits free if you designate your PCP on BlueConnect

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 The Shelton CompaniesWellness and Health ManagementUnderstanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms and immunizations. Through the plans offered by The Shelton Companies, all covered individuals and family members are eligible to receive routine wellness services like these, at no cost; all copays, coinsurance, and deductibles are waived.Which Preventive Care Services Are Covered?The US Preventive Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e., Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered this year:• Routine physical exam• Well baby and childcare• Well women visits• Immunizations• Routine bone density test• Routine breast exam• Routine gynecological exam• Screening for Gestational diabetes• Obesity screening and counseling• Routine digital rectal exam• Routine colonoscopy• Routine colorectal cancer screening• Routine prostate test• Routine lab procedures• Routine mammograms• Routine pap smear• Smoking cessation• Health education/counseling services• Health counseling for STDs and HIV • Testing for HPV and HIV• Screening/counseling for domestic violencePREVENTIVE CAREBase Plan: $6,000 HDHPBuy-Up HDHP: $3,500 HDHP$2,500 Copay PlanEmployee $147.61 $217.20 $394.26Employee + Spouse $624.52 $773.58 $1,152.84Employee + Child(ren) $505.08 $634.24 $962.87Family $981.99 $1,190.63 $1,721.45Your Monthly Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 The Shelton CompaniesEmployees and dependents enrolled in our medical have access to telemedicine through Teladoc. Telehealth provides acute and behavioral care 24 hours a day via phone or video by board-certified doctors and behavioral health specialist. Telehealth is a good option for minor health problems when you can’t see your regular doctor. It is also a convenient choice when you want to speak to a counselor or therapist. Some providers will also offer telehealth appointments. Check with your provider on the availability and cost.How Does Telehealth Work?Your virtual visit will take place via phone, video call on a laptop, tablet or cellphone; or through an app. The provider will ask you the same questions you'd be asked at an in-person visit and may recommend treatment based on their findings.What Can’t Telehealth Be Used For?• Life-threatening or emergency situations • Situations in which diagnostic care (e.g., blood work, imaging or lab tests) are required• Situations of severe illness or complex conditionsHow Do I Access Telehealth?There are 3 ways to access Teladoc:• Download the Teladoc mobile app• Go to Teladoc.com and click “Log in/Register”• Call 1-800-835-2362Refer to your plan documentation for more information.TELEHEALTHWhat Can Telemedicine Be Used For?General, non-life-threatening doctor's visits or consultations for acute care, such as:• Allergies• Cough, cold and flu• Diarrhea, nausea and vomiting• Ear problems• Insect bites• Sinus problems• Urinary problems• And moreBehavioral health issues such as:• Addictions• Anxiety• Depression• Grief and loss• Relationship issues• And more

DENTAL & VISIONThis booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025The Shelton CompaniesThe Shelton Companies partner with Colonial Life to offer you the option to purchase dental coverage or to purchase dental coverage with a vision benefit rider. DentalIN-NETWORK Base Plan Buy-Up Plan OUT OF NETWORKAnnual Deductibles(Individual / Family)$50/$50 for each family member up to a maximum of 3$50/$50 for each family member up to a maximum of 3Out-of-network providers haven’t agreed to discounted rates, and their fees may vary significantly. Your policy’s coinsurance may not cover the total costs of dental care and, in addition to any deductible, you are responsible for any remaining balance. This is referred to as “balance billing” and only happens when you go out of network. Class A: Preventive ProceduresCovered at 100% Covered at 100%Class B: Basic Procedures (extractions, fillings, etc.)Covered at 80% after deductibleCovered at 80% after deductibleClass C: Major Procedures(crowns, dentures, etc.)Covered at 50% after deductibleCovered at 50% after deductibleCalendar Year Maximum Benefit$1,000 per covered member$3,000 per covered memberIN NETWORK OUT OF NETWORKVision Exam (once per 12 months) $10 Copay $35 AllowanceMaterials $25 Copay See belowLenses (once per 12 months)Single/Bifocal/Trifocal Covered by Copay $25-$50 AllowanceLenticular $120 Allowance $50 AllowanceProgressives $70 Allowance $40 AllowancePolycarbonate lenses(for dependents to age 19)Covered by Copay $30 AllowanceFrames (once per 12 months) $170 Allowance $50 AllowanceElective Contact Lenses (once per 12 months)$170 Allowance $100 AllowanceMedically Necessary Contact Lenses (once per 12 months)$210 Allowance $210 AllowanceVision

DENTAL & VISIONThis booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025The Shelton CompaniesYour Monthly Cost Dental Base Plan with Vision Rider Dental Buy-Up Plan with Vision RiderEmployee $44.98 $54.59Employee + Spouse $85.50 $103.69Employee + Child(ren)$105.30 $127.56Family $157.00 $189.96Your Monthly Cost Dental Only (Base Plan) Dental Only (Buy-Up Plan)Employee $38.73 $48.34Employee + Spouse $73.15 $91.34Employee + Child(ren)$92.30 $114.56Family $136.65 $169.61Note: Vision coverage cannot be purchased separately. Vision coverage is optional with Dental coverage.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 The Shelton CompaniesColonial Life – Voluntary Benefits You never know when an unexpected illness or injury could leave you and your family with financial difficulties. Health insurance can help cover your medical bills, but what it cannot protect is loss of income experienced from a disability occurrence. That’s where voluntary benefits come in to provide you a financial safety net. This year, your employer is helping you protect your way of life by giving you the opportunity to purchase the following voluntary benefits from Colonial Life:1. Disability insurance2. Whole life insuranceIf guaranteed-issue coverage is available, you won’t have to answer health questions. For more details and rates, talk with your Colonial Life benefits counselor. Benefits may be subject to a pre-existing condition provision.Disability Insurance - HELP PROTECT YOUR INCOMELosing just one paycheck would be difficult, but a disability could have you out of work for weeks or even months. And while your paychecks might stop, your bills would continue coming. Without your income, how would you pay for housing, utilities, and other everyday living expenses?Disability insurance from Colonial Life helps protect your income, so you can have help paying the bills while you recover from a covered accidents, sickness, and maternity.FEATURES – Colonial Life – ISTD3000: • Employee may choose plan design and amount of disability benefits to meet their needs – subject to income requirements.• Benefits are payable for as long as the employee remains disabled up to the benefit period selected.• Monthly Benefit amounts: coverage maximum is up to 60% of gross monthly earnings from $400 - $6,500. • Premiums do not go up with your age; Age rated premium – Age brackets include: (17-49) (50-64) (65-74)• Coverage - Off-Job Only Accident and Off-Job Only Sickness • Benefit Period options: 3 Months or 6 Months; ask Rep for details.• Elimination Period: is the number of days following a Disability before benefits again. Various options include: o 0-day Accident & 7-day Sicknesso 0-day Accident & 14-day Sicknesso 14-day Accident & 14-day Sickness• Maternity benefit, Complications due to pregnancy are viewed as a normal sickness.• First Day Hospital Benefit (Waiver of Elimination Period for 1st Day of Hospital Confinement Benefit.• Benefits are paid directly to the insured unless they specify otherwise.• Total and partial disability benefits. Pays partial benefits after total disability benefits are paid, if the insured returns to work less than 20 hours per week.• Guaranteed renewable. • Coverage is portable. An employee can take this coverage with him if he changes jobs or leaves your company.• Worldwide coverage. Unisex rates. Premiums are the same for males and females.• Waiver of premium after insured is disabled for 90 consecutive days.• No integration. WITH THIS COVERAGE:• You can choose the amount of your disability benefits, subject to income.• Benefits are payable regardless of any other insurance you may have with other companies.• Benefits are payable directly to you, and you can use these benefits however you choose.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 The Shelton CompaniesCosts associated with these Colonial Life plans are available in Employee NavigatorColonial Life – Voluntary Benefits ContinuedWhole Life insurance - LIFE INSURANCE THAT COMES WITH GUARANTEES — BECAUSE LIFE DOESN’TYou can’t predict the future, but you can rest easier knowing you have life insurance with lifelong guarantees.Whole life insurance provides features – cash value accumulation, premium rates, and a death benefit (minus any loans and loan interest) – that help ensure those benefits will be there to help protect your family’s way of life.Life insurance amounts are available from $5,000 - $500,000. WITH THIS COVERAGE:• Life insurance benefits for the beneficiary are typically free from income tax.• You have three opportunities to purchase additional coverage with no proof of good health required if you are 55 or younger when you initially purchase coverage.• The policy’s accelerated death benefit can pay a percentage of the death benefit if the covered individual is diagnosed with a terminal illness. Accelerated benefit payments will reduce the amount the policy pays upon the recipient’s death.• A $3,000 immediate claim payment can be paid to the designated beneficiary as an advance of the death benefit.

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel | sentinelra.com2024 - 2025The Shelton Companies