2024 Richmond CC EE Ben Guide : simplebooklet.com

2024-2025 RCC Cafeteria Plan Information Eligibility: Full-time employees working 30 hours or more per week. Benefit Plan Year: The RCC Benefit plan year is July 1, 2024 through June 30, 2025. General Employee Information: Spending Accounts Enrollment is required during open enrollment to either accept or decline the opportunity to participate in these benefits and declare your participation level. You will not be automatically enrolled. Pre-taxed Insurance Products You must enroll for new pre-taxed and/or change pre-taxed benefits during open enrollment. Payroll Deductions Spending Accounts and Insurance Products Deductions will begin monthly with your pay period in July 2024. New Benefits Effective July 1, 2024  You must be actively at work for insured benefits to become effective. Spending Accounts – Use It or Lose It  Health Flexible Spending Account fully funded on the first day of the plan year  Do not set aside more funds than you can use by June 30, 2025.  Dependent Care Spending Account funds will not be available until deposited into your account  Employees taking a leave of absence, other than under the Family & Medical Leave Act, may not be eligible to re-enter the Flexible Benefits Program until the next plan year. Please contact your Benefit Administrator for specific information. Insurance Products  Benefits effective July 1, 2024 o Employees must be actively at work (not on disability or FLMA). o If you are out of work due to injury or sickness on July 1, 2024, benefits become effective on the first day back at work performing your regular duties on a full-time basis. Page 3

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Benefit Counselor Sessions Enrollment Information Face-to-Face enrollment Benefit counselor meetings provide an opportunity to have questions answered while enrolling for benefits selected for you and your family. The counselor will complete the submission for you assuring accurate and timely activation of benefits. Please review the information made available to you prior to your meeting. Family Information for Enrollment When enrolling your spouse and/or children, please have their dates of birth and social security numbers available. Benefit Summary of Coverage After enrolling in one or more of the benefit plans, the Provider may issue a policy or certificate of coverage for you. Insurance certificates are 40 or more pages in length. The carrier may issue a single certificate for all insureds and have it available at the office of human resources for viewing. Certificates are also available via PDF files, and online. Having the policy or certificate online makes it easy to determine the benefits of your plan 24 hours a day. Certificate and/or Policy Information Coverage provided by the various voluntary supplemental benefits may have limitations and exclusions. Please refer to your policy or certificate for specific coverage. Even though several policies are deducted from your pay before taxes, the benefits may be subject to federal and/or state tax. IMPORTANT NOTE & DISCLAIMER This is neither an insurance contract nor a Summary Plan Description; actual policy provisions apply. Information provided in this booklet is subject to change. Policy descriptions are for information purposes only. Actual policies may be different from the policies described in this booklet. Page 4

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Benefits Summary Richmond Community College Benefits currently available to full-time and 30-hour employees are summarized below. This information is a summary only. For complete plan information refer to the plan documents. *Indicates Section 125 pre-tax plans. *Major Medical Insurance Coverage http://shpnc.org The State offers the Preferred Provider Organization (PPO) Health plan, with two levels of coverage. This plan is provided by BCBS-NC. Employee monthly premiums as of July 1, 2024, are as follow: Category Traditional (70/30) Plan Enhanced (80/20) Plan Employee only $25.00* $50.00* Employee + child(ren) $218.00* $305.00* Employee + Spouse $590.00* $700.00* Employee + Family $598.00* $720.00* *Premiums based on completion of one Health Incentive. Failure to complete the incentive will result in higher employee-paid premiums. The College pays part of each employee’s premiums in the amount of $674.54 per employee to offer our employees the benefit of a lower out-of-pocket premium. Refer to the website for the summary plan description for copayments, deductibles, and other out of pocket expenses. Customer Service for the PPO is: 888-234-2416. Prescriptions are administered through CVS Caremark. Customer Service: 1-888-321-3124. Information can also be found on their website. State Health Plan Open Enrollment is in October each year. The choices you make during Open Enrollment are for benefits that will be effective from January 1 through December 31 of the following year. Once you choose your benefit plan, you may not elect to switch plans until the next Open Enrollment period. The coverage type you select will remain in effect until the next benefit year unless you experience a qualifying life event. A list of qualifying life events is included in your Benefits Booklet, available on the State Health Plan website. The State Health Plan is preparing for the transition of third-party administrator (TPA) services from Blue Cross NC to Aetna effective January 1, 2025. During the 2025 Open Enrollment period, which will take place in the fall of 2024, members will begin to receive additional information. Page 5

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*NC State Retirement System www.myncretirement.com A pre-tax deduction of 6% of gross pay is automatically deducted from your paycheck and deposited into your Retirement System account. Register in Orbit: Go to the website and select ORBIT on the left side of screen. Click REGISTER. Enter your Social Security Number and date of birth and click NEXT. You will need to create a user ID and Password to access your account. The plan also includes the following benefits: Death Benefit Employees are eligible for this benefit after one year of service. The death benefit is equal to the annual base salary (minimum of $25,000; maximum of $50,000). Disability Coverage There is a 60-day continuous calendar day waiting period from the onset of a disability. This time is unpaid unless the employee has vacation and/or sick leave to use during this time or is eligible for and receiving shared leave. Short-term Disability Benefits Employees must have at least one year of contributing membership service in the State Retirement System to be eligible for this benefit. Benefit payments begin on the 61st day of disability and may continue for a period of 365 calendar days. Monthly benefit is equal to 50% of your monthly salary at the time of disability. Long-term Disability Benefits Employees must have at least five years of contributing membership service in the State Retirement System to be eligible for this benefit. Long term disability benefits are payable after the conclusion of the short-term disability period. Monthly benefit is approximately 65% of your monthly salary at the time of disability. As of January 1, 2021, new members of the NC State Retirement System are no longer eligible for Retiree medical coverage through the Retirement System. Longevity Full-time and part-time permanent employees with ten years of aggregate total qualifying service will receive a longevity payment on their yearly anniversary date. Any work considered temporary (i.e. semester by semester contract) does not apply towards longevity. Rate of Pay Years of Aggregate State Service Longevity Rate 10 through 14 1.50 15 through 19 2.25 20 through 24 3.25 25 or more 4.50 Page 6

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Sick Leave Full-time permanent employees earn 8 hours per month. A part-time permanent employee who is employed on a half-time or more basis shall earn sick leave on a pro rata basis. Unused sick leave can be converted to additional retirement service credit at the time of your retirement. When you retire, you are allowed one month of credit for each 20 days of unused sick leave. For any part of 20 days left over, one additional month is allowed provided the remaining portion is at least one hour. Sick Leave Days Service Sick Leave Days Service 1-20 = 1 Month 121-140 = 7 Months 21-40 = 2 Months 141-160 = 8 Months 41-60 = 3 Months 161-180 = 9 Months 61-80 = 4 Months 181-200 = 10 Months 81-100 = 5 Months 201-220 = 11 Months 101-120 = 6 Months 221-240 = 12 Months Annual Leave Full-time non-faculty employees shall earn annual leave at the following rates per month (part-time positions earn leave on a pro-rata basis): Service Hours/Month Hours/Year Less than 5 years 9 Hrs & 20 Mins 112 5 but less than 10 years 11 Hrs & 20 Mins 136 10 but less than 15 years 13 Hrs & 20 Mins 160 15 but less than 20 years 15 Hrs & 20 Mins 184 20 years or more 17 Hrs & 20 Mins 208 Full-time Curriculum faculty will earn personal days. These days are non-cumulative and non-transferable. Personal leave shall be computed at the following rates: Years of Aggregate Service Days Earned Each Year Less than 5 years 4 days + 1 day Summer Session 5 to 9 years 5 days + 1 day Summer Session 10 years or more 6 days + 1 day Summer Session Part-time permanent Curriculum faculty will earn personal days on a pro-rata basis. WED Faculty (12 month) will earn personal days. These days are non-cumulative and non-transferable. Personal leave shall be computed at the following rates: Dates earned Hours Earned January to June *60 hours *88 hours for prison faculty July to December *60 hours *88 hours for prison faculty *May take in 30-minute increments Part-time permanent WED faculty will earn personal days on a pro-rata basis. Page 7

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Personal Observance All full-time, permanent employees will receive 8.5 hours of personal observance per calendar year. Personal observance leave may be utilized on a day of significance, including days of cultural, religious, or personal observation. Parental/Volunteer School Leave Full-Time permanent employees may take up to 4 hours of paid leave each fiscal year regardless of the number of children. The 4 hours leave will be credited on July 1 of each year. Holidays The legal holidays that are observed at Richmond Community College are: New Year's Day, Martin Luther King Jr's Birthday, Good Friday, Memorial Day, Independence Day, Labor Day, Veteran’s Day, Thanksgiving Day and the following Friday, and Christmas break. Free Tuition Each full-time permanent employee is granted one tuition-free curriculum or continuing education occupational extension class per semester at Richmond Community College. Employee Assistance Program - EAP Each permanent employee is eligible for services through the Employee Assistant Plan. The EAP can help with personal and job-related problems and provide short-term and/or emergency counseling. Richmond Community College cares about your health and well-being and provides help to every employee through the Employee Assistance Plan. Help is available 24/7/365 through the toll-free number below. When you or a family member needs assistance, help is a quick personal and confidential phone call away. Help from an experienced qualified clinician to assess and provide guidance. EAP Access Toll Free 1-800-633-3353 Direct Phone 704-529-1428 24-Hour Emergency Assistance Learn more by visiting the MYgroup website http://mygroup.com User ID is: rcc Password: guest. Service provided by McLaughlin Young Employee – Mygroup.com The preceding document is a summary only. Refer to the original plan documents for plan information. Original plan documents are legal documents and supersede all other verbal and/or written information. Page 8

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Health Insurance Marketplace Coverage Options and Your Health Coverage Form Approved OMB No. 1210-0149 (expires 12-31-2026) PART A: General Information Even if you are offered health coverage through your employment, you may have other coverage options through the Health Insurance Marketplace (“Marketplace”). To assist you as you evaluate options for you and your family, this notice provides some basic information about the Health Insurance Marketplace and health coverage offered through your employment. What is the Health Insurance Marketplace? The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers "one-stop shopping" to find and compare private health insurance options in your geographic area. Can I Save Money on my Health Insurance Premiums in the Marketplace? You may qualify to save money and lower your monthly premium and other out-of-pocket costs, but only if your employer does not offer coverage, or offers coverage that is not considered affordable for you and doesn’t meet certain minimum value standards (discussed below). The savings that you're eligible for depends on your household income. You may also be eligible for a tax credit that lowers your costs. Does Employment-Based Health Coverage Affect Eligibility for Premium Savings through the Marketplace? Yes. If you have an offer of health coverage from your employer that is considered affordable for you and meets certain minimum value standards, you will not be eligible for a tax credit, or advance payment of the tax credit, for your Marketplace coverage and may wish to enroll in your employment-based health plan. However, you may be eligible for a tax credit, and advance payments of the credit that lowers your monthly premium, or a reduction in certain cost-sharing, if your employer does not offer coverage to you at all or does not offer coverage that is considered affordable for you or meet minimum value standards. If your share of the premium cost of all plans offered to you through your employment is more than 9.12%1 of your annual household income, or if the coverage through your employment does not meet the "minimum value" standard set by the Affordable Care Act, you may be eligible for a tax credit, and advance payment of the credit, if you do not enroll in the employment-based health coverage. For family members of the employee, coverage is considered affordable if the employee’s cost of premiums for the lowest-cost plan that would cover all family members does not exceed 9.12% of the employee’s household income..12Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered through your employment, then you may lose access to whatever the employer contributes to the employment-based coverage. Also, this employer contribution -as well as your employee contribution to employment-based coverage- is generally excluded from income for federal and state income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis. In addition, note that if the health coverage offered through your employment does not meet the affordability or minimum value standards, but you accept that coverage anyway, you will not be eligible for a tax credit. You should consider all of these factors in determining whether to purchase a health plan through the Marketplace. 1 Indexed annually; see https://www.irs.gov/pub/irs-drop/rp-22-34.pdf for 2023. 2 An employer-sponsored or other employment-based health plan meets the "minimum value standard" if the plan's share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs. For purposes of eligibility for the premium tax credit, to meet the “minimum value standard,” the health plan must also provide substantial coverage of both inpatient hospital services and physician services. Page 9

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When Can I Enroll in Health Insurance Coverage through the Marketplace? You can enroll in a Marketplace health insurance plan during the annual Marketplace Open Enrollment Period. Open Enrollment varies by state but generally starts November 1 and continues through at least December 15. Outside the annual Open Enrollment Period, you can sign up for health insurance if you qualify for a Special Enrollment Period. In general, you qualify for a Special Enrollment Period if you’ve had certain qualifying life events, such as getting married, having a baby, adopting a child, or losing eligibility for other health coverage. Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the qualifying life event to enroll in a Marketplace plan. There is also a Marketplace Special Enrollment Period for individuals and their families who lose eligibility for Medicaid or Children’s Health Insurance Program (CHIP) coverage on or after March 31, 2023, through July 31, 2024. Since the onset of the nationwide COVID-19 public health emergency, state Medicaid and CHIP agencies generally have not terminated the enrollment of any Medicaid or CHIP beneficiary who was enrolled on or after March 18, 2020, through March 31, 2023. As state Medicaid and CHIP agencies resume regular eligibility and enrollment practices, many individuals may no longer be eligible for Medicaid or CHIP coverage starting as early as March 31, 2023. The U.S. Department of Health and Human Services is offering a temporary Marketplace Special Enrollment period to allow these individuals to enroll in Marketplace coverage. Marketplace-eligible individuals who live in states served by HealthCare.gov and either- submit a new application or update an existing application on HealthCare.gov between March 31, 2023 and July 31, 2024, and attest to a termination date of Medicaid or CHIP coverage within the same time period, are eligible for a 60-day Special Enrollment Period. That means that if you lose Medicaid or CHIP coverage between March 31, 2023, and July 31, 2024, you may be able to enroll in Marketplace coverage within 60 days of when you lost Medicaid or CHIP coverage. In addition, if you or your family members are enrolled in Medicaid or CHIP coverage, it is important to make sure that your contact information is up to date to make sure you get any information about changes to your eligibility. To learn more, visit HealthCare.gov or call the Marketplace Call Center at 1-800-318-2596. TTY users can call 1-855-889-4325. What about Alternatives to Marketplace Health Insurance Coverage? If you or your family are eligible for coverage in an employment-based health plan (such as an employer-sponsored health plan), you or your family may also be eligible for a Special Enrollment Period to enroll in that health plan in certain circumstances, including if you or your dependents were enrolled in Medicaid or CHIP coverage and lost that coverage. Generally, you have 60 days after the loss of Medicaid or CHIP coverage to enroll in an employment-based health plan, but if you and your family lost eligibility for Medicaid or CHIP coverage between March 31, 2023 and July 10, 2023, you can request this special enrollment in the employment-based health plan through September 8, 2023. Confirm the deadline with your employer or your employment-based health plan. Alternatively, you can enroll in Medicaid or CHIP coverage at any time by filling out an application through the Marketplace or applying directly through your state Medicaid agency. Visit https://www.healthcare.gov/medicaid-chip/getting-medicaid-chip/ for more details. How Can I Get More Information? For more information about your coverage offered through your employment, please check your health plan’s summary plan description or contact ______________________________________________________________________________________________________________________. The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit HealthCare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area. Page 10

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PART B: Information About Health Coverage Offered by Your Employer This section contains information about any health coverage offered by your employer. If you decide to complete an application for coverage in the Marketplace, you will be asked to provide this information. This information is numbered to correspond to the Marketplace application.3.Employer name4.Employer Identification Number (EIN)5.Employer address6. Employer phone number 7.City8.State9. ZIP code10.Who can we contact about employee health coverage at this job?11. Phone number (if different from above) 12. Email addressHere is some basic information about health coverage offered by this employer: • As your employer, we offer a health plan to:All employees. Eligible employees are: Some employees. Eligible employees are: •With respect to dependents:We do offer coverage. Eligible dependents are: We do not offer coverage. If checked, this coverage meets the minimum value standard, and the cost of this coverage to you is intended to be affordable, based on employee wages. ** Even if your employer intends your coverage to be affordable, you may still be eligible for a premium discount through the Marketplace. The Marketplace will use your household income, along with other factors, to determine whether you may be eligible for a premium discount. If, for example, your wages vary from week to week (perhaps you are an hourly employee or you work on a commission basis), if you are newly employed mid-year, or if you have other income losses, you may still qualify for a premium discount. If you decide to shop for coverage in the Marketplace, HealthCare.gov will guide you through the process. Here's the employer information you'll enter when you visit HealthCare.gov to find out if you can get a tax credit to lower your monthly premiums. 56-0818376910-410-1700NC28345Rita Oliver, Assistant Director of Human ResourcesHamletPO Box 1189, 1042 W Hamlet Ave910-410-1796rmoliver@richmondcc.eduAll permanent full-time and part-time teachers and state employees. For acomplete list of eligibility rules, please see the State Health Plan'sbenefit book.An employee's spouse and/or a natural, legally adopted or foster child of thesubscriber or spouse upt o age 26. For a complete list of dependenteligibility rules, please see the State Health Plan's benefit book.Richmond Community CollegeFor full-time employeesPage 11

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The information below corresponds to the Marketplace Employer Coverage Tool. Completing this section is optional for employers, but will help ensure employees understand their coverage choices. 13. Is the employee currently eligible for coverage offered by this employer, or will the employee be eligible in the next 3 months? Yes (Continue) 13a. If the employee is not eligible today, including as a result of a waiting or probationary period, when is the employee eligible for coverage? (mm/dd/yyyy) (Continue) No (STOP and return this form to employee) 14. Does the employer offer a health plan that meets the minimum value standard*? Yes (Go to question 15) No (STOP and return form to employee) 15. For the lowest-cost plan that meets the minimum value standard* offered only to the employee (don't include family plans): If the employer has wellness programs, provide the premium that the employee would pay if he/ she received the maximum discount for any tobacco cessation programs, and didn't receive any other discounts based on wellness programs. a. How much would the employee have to pay in premiums for this plan? $ b. How often? Weekly Every 2 weeks Twice a month Monthly Quarterly Yearly If the plan year will end soon and you know that the health plans offered will change, go to question 16. If you don't know, STOP and return form to employee. 16. What change will the employer make for the new plan year? Employer won't offer health coverage Employer will start offering health coverage to employees or change the premium for the lowest-cost plan available only to the employee that meets the minimum value standard.* (Premium should reflect the discount for wellness programs. See question 15.) • An employer-sponsored health plan meets the "minimum value standard" if the plan's share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs (Section 36B(c)(2)(C)(ii) of the Internal Revenue Code of 1986) a. How much would the employee have to pay in premiums for this plan? $ b. How often? Weekly Every 2 weeks Twice a month Monthly Quarterly Yearly 25.00Page 12

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The NC (k) PlanThe NC 401(k) Plan is a retirement savings plan administered by the North Carolina Department of State Treasurer, and available exclusively to North Carolina public employees who are actively contributing to one of the NC Retirement Systems. North Carolina state and local government employers oer this Plan to help you reach your retirement savings goals. The Plan oers you these beneﬁts:For details about the Plan’s investment options, please visit myNCPlans.com and go to the Choose Investments tab to view the quarterly fund fact sheets.• Online retirement planning tools. You may access your account 24 hours a day, 7 days a week. You may also access a host of retirement articles, interactive calculators and other resources at myNCPlans.com.• One-on-one help. The NC 401(k) Plan has knowledgeable Retirement Education Counselors* strategically located throughout North Carolina to help you get the most from your participation in the Plan. These representatives are a resource available to Plan members by phone, email or in person. * Retirement counselors are registered with Empower Financial Services, Inc., Member FINRA/SIPC. EFSI is an affiliate of Empower Retirement, LLC; Empower Funds, Inc.; and registered investment adviser Empower Advisory Group, LLC. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice.• Automatic payroll deductions. Contributions to the NC 401(k) Plan are made through payroll deduction.• You may change or stop your contributions at any time, and no minimum contribution is required. • % vesting. You are fully vested in the NC 401(k) Plan from your ﬁrst contribution to your last. To be “vested” means to own, which means the money is always yours.• Convenient asset consolidation. To simplify your ﬁnancial life, the NC 401(k) Plan allows for rollovers from other retirement plans you may have from former employers, including 401(k), 401(a), 403(b), Governmental 457 and TSP plans, and some IRAs.• Multiple investment choices. You can invest in vehicles that range from potentially high growth to highly conservative, so you can make the most appropriate choice to help you meet your savings goals.• Simple investing with GoalMaker. GoalMaker® is an optional, easy-to-use asset allocation program available at no additional cost that automatically guides you to an age-appropriate investment mix based on your investor style. Past performance of investments or asset classes does not guarantee future results.• Quarterly statements to keep you informed. Statements are provided after the end of each quarter to help you monitor activity in your account. Page 13

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Special “One Time” ContributionsIf you wish to defer additional compensation that will be deducted for only one payroll cycle for reasons such as longevity payments, or ﬁnal payouts of unused vacation and/or bonus leave, you may coordinate this deduction with your payroll oce. You can obtain a One Time Contribution Form by visiting the Tools & Resources tab at myNCPlans.com. Submit the completed form directly to your payroll oce. Total annual contributions may not exceed IRS limits.Flexible ways to contributeTraditional pre-tax contributionsPre-tax contributions are automatically deducted from your paycheck before any federal or state income taxes are taken out, therefore reducing your taxable income. As a result, your take-home pay is not impacted by the full amount of your contribution. Additionally, these contributions have the potential to grow tax-deferred until withdrawal. At that point, federal and state income taxes will be incurred.Roth after-tax contributionsRoth contributions are automatically deducted from your paycheck after taxes are paid and therefore reduce your take-home pay dollar for dollar. Roth contributions and returns have the potential to grow tax-deferred and can beneﬁt members who anticipate being in a higher tax bracket while in retirement and would rather pay taxes at today’s tax rate. Qualiﬁed distributions are federal income tax-free.* You save per month $ $ $ $10 years $4,327 $17,308 $34,617 $51,92515 years $7,924 $31,696 $63,392 $95,08920 years $13,023 $52,093 $104,185 $156,27830 years $30,499 $121,997 $243,994 $365,991Assumes 7% annual return. The compounding concept is hypothetical and for illustrative purposes only and is not intended to represent performance of any speciﬁc investment, which may ﬂuctuate. This example is based on a hypothetical rate of return of 7% compounded annually. No taxes are considered in the calculations; generally withdrawals are taxable at ordinary rates. It is possible to lose money by investing in securities.Consolidate with rollovers into the NC (k) PlanThe Plan accepts rollovers from other qualiﬁed retirement plans you may have from former employers, including 401(k), 401(a), 403(b), governmental 457 plans and TSP plans, as well as Traditional, Conduit, SIMPLE and SEP IRAs. Under current IRS guidelines, Roth IRAs are not eligible for rollover into the Plan. All rollover requests must receive pre-approval from the Plan before funds can be received.Initiating a rollover into your NC 401(k) Plan is easy, and it offers many beneﬁts, including:• The convenience of accessing your retirement savings with one website, with one phone number and with a single point of contact for your retirement account questions.• The simplicity of managing all your retirement savings within one quarterly statement, making it easier to stay on track toward your retirement savings goals.• The ease of asset allocation, since it’s simpler to maintain an investment strategy among your various investments when you can see how they work together.• The potential to save money through lower Plan fees.Before rolling over assets from other retirement plans, you should contact the current provider to inquire about fees or other surrender charges that may be assessed.For assistance with a rollover into the NC 401(k) Plan, call -NCPlans (--).* Amounts withdrawn before age 59½ may be subject to a 10% federal income tax penalty, applicable taxes and plan restrictions. Withdrawals are taxed at ordinary income tax rates. See plan information regarding limitations on withdrawals from your 401(k) account. According to IRS rules, a distribution from a Roth 401(k) is qualiﬁed to be tax-free if the ﬁrst Roth contribution to your account remains in the account for at least ﬁve tax years AND: a) you are age 59½ or older, or b) disability or death. If your withdrawal does not meet these conditions, then the Roth earnings—but not the Roth contributions—may be subject to state and federal income taxes.Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualiﬁed professionals regarding all personal ﬁnance issues. We do not provide investment OR tax advice; please consult a tax advisor for more information.Page 14

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Accessing your money while employedWe understand that there may be times when you need to access the funds in your retirement account sooner rather than later. The NC 401(k) Plan gives you the ability to do this through:• Loans. Active employees may be eligible to borrow money from their account for any purpose. Loans are repaid through payroll deduction, with the interest paid directly to your account. The minimum loan is $1,000, and the maximum loan is 50% of your account value, up to $50,000. You have up to ﬁve years to repay a loan. You may only have one loan outstanding at any time. Restrictions apply. There is a $60 fee for taking out a loan. Please keep in mind that loans and withdrawals can aect your account balance.1• In-service distributions. Plan members who are age 59½ or older can withdraw or roll over all or part of an account balance to another qualiﬁed retirement savings vehicle, like an IRA. In addition, and regardless of age, members may elect to roll over all or a portion of their balance to the North Carolina Retirement Systems to purchase service credits—this type of distribution is NOT subject to ordinary income tax.• Hardship withdrawals. If you’re younger than age 59½, several types of hardship withdrawals are available, depending on the circumstances.Qualifying hardship withdrawals include: – Expenses for medical care previously incurred by you, your spouse, your primary beneﬁciary or any dependents. – Costs directly related to the purchase of your principal residence, excluding mortgage payments. – Tuition, related educational fees, and room and board expenses for the next 12 months of post-secondary education for yourself, your spouse, your primary beneﬁciary or dependents. – Funeral/burial expenses for a parent, spouse, child, dependent or primary beneﬁciary. – Payments necessary to prevent your eviction from your principal residence or foreclosure on the mortgage of your principal residence. – Certain expenses relating to the repair of damage to your principal residence. – Expenses and losses (including loss of income) incurred on account of a FEMA-declared disaster if you live or work in a FEMA-designated disaster area.Hardship withdrawals are subject to income tax and, if prior to age 59½, a 10% tax penalty. When you leave employment, you can choose what to do with your money in the NC 401(k) Plan:*Withdrawal restrictions apply to participants who retire or leave a covered position at an employer that participates in the NC 401(k) Plan, and, after doing so, transition to a covered position with another employer that participates in the Plan.• Leave your funds in the Plan: Contributions to the Plan stop when you leave employment, but the investments in your account remain invested and continue to work for you. Federal rules require that you must begin taking minimum distributions by April 1 in the year following the year that you turn age 72,2 provided you are no longer working for the plan sponsor (employer).• Take a systematic withdrawal (periodic payments to fit your need): You can opt to receive monthly, quarterly, semiannual or annual installment payments.*• Take a full or partial lump-sum withdrawal: This option allows you to withdraw all or a portion of your account balance on an as-needed basis, at your discretion.**• Roll over all or a part of your balance to an eligible employer-sponsored retirement plan or to an IRA (Individual Retirement Account): A rollover to a qualiﬁed plan is not subject to taxes or penalties, provided the check is made payable to the ﬁnancial institution receiving the funds.• Generate monthly lifetime income: Transfer all or a portion of your pre-tax account balance to North Carolina’s Teachers’ and State Employees’ Retirement System (TSERS) or Local Governmental Employees’ Retirement System (LGERS), where it can be paid as a monthly beneﬁt for your lifetime and/or the lifetime of your designated survivor. At or after retirement with TSERS or LGERS, Plan members can select from among a variety of income stream options in addition to their monthly pension beneﬁt. This one-time (irrevocable) transfer is only applicable to pre-tax contributions, including funds rolled into the Plan and any employer contributions.1 Any outstanding loan balance not paid back at termination becomes taxable in the year of default. Under the Tax Cuts and Jobs Act of 2018 for defaults related to termination of employment after 2017, the individual has until the due date of that year's return (including extensions) to roll over this amount to an IRA or qualified employer plan. 2 April 1 in the year following the year you turn 70½ if you reach age 70½ prior to December 31, 2019.* Amounts withdrawn from the NC 401(k) Plan are subject to applicable taxes and Plan restrictions. If taken before age 59½, they may also be subject to a 10% federal income tax penalty. The 10% penalty can be avoided by waiting to retire or separating from service in the year you turn 55 or older, if you receive payments from the NC 401(k) Plan in substantially equal amounts over your life expectancy or are deemed a qualiﬁed public safety employee and separate from service in, or after the year you turn age 50. Distributions are subject to 20% mandatory withholding.** Please note that if you terminate from service, requests for withdrawals or distributions from your account (not associated with retirement) will not be processed for 60 days. Page 15

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GoalMaker’s model allocations are based on generally accepted financial theories that take into account the historic returns of different asset classes. Past performance of any investment does not guarantee future results. Participants should consider their other assets, income and investments (e.g., equity in a home, Social Security benefits, individual retirement plan investments, etc.) in addition to their interest in the plan, to the extent those items are not taken into account in the model. Participants should also periodically reassess their GoalMaker investments to make sure their model portfolio continues to correspond to their investment objectives, risk tolerance and retirement time horizon.Empower Retirement, LLC provides the communications and recordkeeping services for the NC 401(k) and NC 457 Plans. The investments offered to you within the NC 401(k) and NC 457 Plans are not offered by or affiliated with Empower Retirement.North Carolina Total Retirement Plans and the North Carolina Total Retirement Plans logo are service marks of the North Carolina Department of State Treasurer.Retirement products and services are provided by Empower Annuity Insurance Company, Hartford, CT, or its affiliates. “EMPOWER” and all associated logos and product names are trademarks of Empower Annuity Insurance Company of America.©2022 Empower Retirement, LLC. All rights reserved. 002003-FLY-WF-2094529-1122 RO2566504-112217858125Page 16

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The NC  PlanThe NC 457 Plan is a deferred compensation plan administered by the North Carolina Department of State Treasurer, and available exclusively to those North Carolina public employees whose employers oer the Plan. This includes full-time, part-time and temporary employees; elected and appointed ocials; rehired retired employees and North Carolina state and local government employees. The Plan oers you these beneﬁts:For details about the Plan’s investment options, please visit myNCPlans.com and go to the Choose Investments tab to view the quarterly fund fact sheets. • Quarterly statements to keep you informed. Statements are provided after the end of each quarter to help you monitor activity in your account. • One-on-one help. The NC  Plan has knowledgeable Empower Retirement Education Counselors* strategically located throughout North Carolina to help you to get the most from your participation in the Plan. These representatives are a resource available to Plan members by phone, email, in person, or through a virtual one-on-one from your smartphone or computer.* Retirement counselors are registered with Empower Financial Services, Inc., Member FINRA/SIPC. EFSI is an affiliate of Empower Retirement, LLC; Empower Funds, Inc.; and registered investment adviser Empower Advisory Group, LLC. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice.• Automatic payroll deductions. Contributions to the NC  Plan are made through payroll deduction.• You may change or stop your contributions at any time, and no minimum contribution is required. • % vesting. You are fully vested in the Plan from your ﬁrst contribution to your last. To be “vested” means to own, which means the money is always yours.• Penalty-free withdrawals. Withdrawals from your NC  Plan account are never subject to a % federal income tax penalty, regardless of your age at the time of withdrawal. Remember that the NC  Plan is a single-state plan, administered by the North Carolina Department of State Treasurer, available to all eligible employees whose employers oer the Plan. Withdrawal restrictions apply to participants who retire or leave a covered position at an employer that participates in the NC  Plan, and, after doing so, transition to a covered position with another employer that participates in the Plan.• Convenient asset consolidation. To simplify your ﬁnancial life, the NC  Plan allows for rollovers from other retirement plans you may have from former employers, including (k), (a), (b), governmental  and TSP plans, and some IRAs.• Online retirement planning tools. You may access your account  hours a day,  days a week. You may also access a host of information, interactive calculators and other resources at myNCPlans.com.• Multiple investment choices. You can invest in vehicles that range from potentially high growth to highly conservative, so you can make the most appropriate choice to help you meet your savings goals.• Simple investing with GoalMaker. GoalMaker® is an optional, easy-to-use asset allocation program available at no additional cost that automatically oers you an age-appropriate investment mix based on your investor style. Past performance of investments or asset classes does not guarantee future results.Page 17

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You save per month $ $ $ $10 years $, $, $, $,15 years $, $, $, $,20 years $, $, $, $,30 years $, $, $, $,Assumes 7% annual return.The compounding concept is hypothetical and for illustrative purposes only and is not intended to represent performance of any speciﬁc investment, which may ﬂuctuate. It is possible to lose money by investing in securities.No taxes are considered in the calculations; generally, withdrawals are taxable at ordinary rates.Flexible ways to contributeTraditional pre-tax contributions Pre-tax contributions are automatically deducted from your paycheck before any current federal or state income taxes are taken out, therefore reducing your taxable income. As a result, your take-home pay is not impacted by the full amount of your contribution. Additionally, these contributions grow tax-deferred until withdrawal. At that point, federal and state income taxes will be incurred. Roth after-tax contributions Roth contributions are automatically deducted from your paycheck after current taxes are paid and therefore reduce your take-home pay dollar for dollar. Roth contributions and earnings grow tax-deferred and can beneﬁt members who anticipate being in a higher tax bracket while in retirement and would rather pay taxes at today’s tax rate. Qualiﬁed distributions are federal income tax free.* Special “One-Time” Contributions If you wish to defer additional compensation that will be deducted for only one payroll cycle for reasons such as longevity payments, or ﬁnal payouts of unused vacation and/or bonus leave, you may coordinate this deduction with your payroll oce. You can obtain a One Time Contribution Form by visiting the Tools & Resources tab at myNCPlans.com. Submit the completed form directly to your payroll oce. Total annual contributions may not exceed IRS limits.Consolidate with rollovers into the NC  PlanThe Plan accepts rollovers from other qualiﬁed retirement plans you may have from former employers, including 401(k), 401(a), 403(b), governmental  plans and TSP plans, as well as Traditional, Conduit, SIMPLE and SEP IRAs. Under current IRS guidelines, Roth IRAs are not eligible for rollover into the Plan. All rollover requests must receive pre-approval from the Plan before funds can be received. Initiating a rollover into your NC  Plan is easy, and it oers many beneﬁts, including: Before rolling over assets from other retirement plans, you should contact those plan providers to inquire about fees or other surrender charges that may be assessed.For assistance with a rollover into the NC  Plan, call -NCPlans (--).• The simplicity of all your retirement savings reported on one quarterly statement, making it easier to monitor your accounts and stay on track toward your retirement savings goals.• The potential to save money through reduced Plan fees.• The convenience of managing all of your retirement savings through one website, one phone number, and with one point of contact for your retirement account questions.• The ease of asset allocation, since it’s simpler to maintain an investment strategy among your various investments when you can see how they work together.* There are two separate sets of rules for taking distributions from your NC 457 Roth account on a tax-free basis. The ﬁrst NC 457 Plan rule states you can only take a distribution after you: (i) separate from service; or (ii) attain age 59½ while still in service. The second, an IRS rule, deﬁnes what is considered a “qualiﬁed” distribution from a Roth Account in order to be tax free.** Taken together, this means that you can withdraw money from your NC 457 Roth Account tax free once you meet the following criteria: The ﬁrst Roth contribution to your account must remain in your account for at least ﬁve tax years; AND: a) you have separated from service and are age 59½ or older; or b) you have separated from service due to a death or disability retirement; or c) you are still working and are at least age 59½. If your withdrawal does not meet these conditions, then the Roth earnings—but not the Roth contributions—may be subject to state and federal income taxes.**The criteria outlined by the IRS is for tax-free treatment for federal income tax purposes. Your withdrawal may also be eligible for state tax-free treatment.Page 18

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Accessing your money while you are employedWe understand that there may be times when you need to access the funds in your retirement account sooner rather than later. The NC  Plan gives you the ﬂexibility to do this through:• Leave your funds in the Plan. Contributions to the Plan will stop when you leave employment, but the investments in your account remain invested and continue to work for you. Federal rules require that you must begin taking minimum distributions by a certain age, provided you are no longer working for the plan sponsor (employer). To learn more, you can contact a tax professional.• Take a systematic withdrawal (periodic payments to ﬁt your need). You can opt to receive monthly, quarterly, semiannual or annual installment payments.• Take a full or partial lump-sum withdrawal.3 This option allows you to withdraw all or a portion of your entire account balance on an as-needed basis at your discretion.* • Roll over all or a part of your balance to an eligible employer-sponsored retirement plan or to an Individual Retirement Account (IRA).3 A rollover to a qualiﬁed plan is not subject to taxes or penalties, provided the check is made payable to the ﬁnancial institution receiving the funds.• Generate monthly lifetime income. Transfer all or a portion of your pre-tax account balance to the North Carolina’s Teachers’ and State Employees’ Retirement System (TSERS) or the Local Government Employees’ Retirement System (LGERS), where it can be paid as a monthly beneﬁt for your lifetime and/or the lifetime of your designated beneﬁciary. At or after retirement with TSERS or LGERS, Plan members can select from a variety of income stream options in addition to their monthly pension beneﬁt. This one-time, irrevocable transfer is only applicable to pre-tax contributions, including funds rolled into the Plan and any employer contributions. When you leave employment, you can choose what to do with your money in the NC  PlanThe NC  Plan is a single-state plan, administered by the North Carolina Department of State Treasurer, available to all eligible employees whose employers oer the Plan. Withdrawal restrictions apply to participants who retire or leave a covered position at an employer that participates in the NC  Plan, and, after doing so, transition to a covered position with another employer that participates in the Plan.* Please note that if you terminate from service, requests for withdrawals or distributions from your account (not associated with retirement) will not be processed for  days.• Loans. Active employees may be eligible to borrow money from their account for any purpose. Loans are repaid through payroll deduction, with the interest paid directly to your account. The minimum loan is $1,000, and the maximum loan is 50% of your account value, up to $50,000. You have up to ﬁve years to repay a loan. There’s also a 15-year repayment allowed for the purchase of a primary residence. You may only have one loan outstanding at any time. There is a $60 processing fee for taking out a loan. Please keep in mind that loans and withdrawals can aect your account balance.1• Voluntary small balance cash out request. You are allowed to withdraw your funds after 24 consecutive months with no contributions and an account value of less than $5,000 without penalty, but the amount may be subject to ordinary income tax.• In-service distributions.2 Plan members who are age ½ or older can withdraw or roll over all or part of an account balance to another qualiﬁed retirement savings vehicle, like an IRA. In addition, and regardless of age, members may elect to roll over all or a portion of their balance to the North Carolina Retirement Systems to purchase service credits—this type of distribution is NOT subject to ordinary income tax.• Hardship withdrawals. There are several types of hardship withdrawals available, depending on the circumstances. Qualifying hardship withdrawals include: – Medical expenses not covered by insurance for you, your spouse or dependents – Payments to prevent eviction from your principal residence, or foreclosure on the mortgage of your principal residence – Funeral/burial expenses for a parent, spouse, child or other dependent – Certain expenses relating to the repair of damage to your principal residence1 Any outstanding loan balance not paid back under plan rules after termination of employment becomes taxable in the year of default. Under the Tax Cuts and Jobs Act, for defaults related to termination of employment after 2017, the individual has until the due date of that year’s return (including extensions) to roll over the outstanding loan amount to an IRA or qualified employer plan.2 Amounts rolled over to another qualified retirement savings vehicle or used to purchase service credits are not subject to current income tax.3 You can indirectly roll over funds within 60 days of receipt, but the payment made to you will be subject to 20% mandatory federal income tax withholding on the taxable portion of your withdrawal, so you would need to make up that amount from other funds in order to roll over the entire amount and continue to defer taxation.Page 19

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GoalMaker’s model allocations are based on generally accepted financial theories that take into account the historic returns of different asset classes. Past performance of any investment does not guarantee future results. Participants should consider their other assets, income and investments (e.g., equity in a home, Social Security benefits, individual retirement plan investments, etc.) in addition to their interest in the plan, to the extent those items are not taken into account in the model. Participants should also periodically reassess their GoalMaker investments to make sure their model portfolio continues to correspond to their investment objectives, risk tolerance and retirement time horizon.Empower Retirement, LLC provides the communications and recordkeeping services for the NC 401(k) and NC 457 Plans. The investments offered to you within the NC 401(k) and NC 457 Plans are not offered by or affiliated with Empower Retirement.Retirement products and services are provided by Empower Annuity Insurance Company, Hartford, CT, or its affiliates. North Carolina Total Retirement Plans and the North Carolina Total Retirement Plans logo are service marks of the North Carolina Department of State Treasurer.“EMPOWER” and all associated logos and product names are trademarks of Empower Annuity Insurance Company of America.©2023 Empower Retirement, LLC. All rights reserved. 002003-FLY-WF-2190532-0123 RO2625329-1222Page 20

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Flexible Spending Accounts from HealthEquity You must re-enroll each year to participate in FSA’s! Register to learn more about your options. Covered employees should register for online administration. You will be able to file and follow claims, check account balances, establish payments for dependent care, and more. Debit Card for Flexible Spending Account – Maximum Annual Available is $3200 for 2024 Existing FSA participants may continue to use your current debit card. Newly hired employees will receive a debit card to use for qualified purchases. Prior to receiving your card, you may file claims using the procedures provided in the back of this booklet. Benefit elections made during open enrollment cannot be changed after enrollment closes unless there is a qualifying event as defined by the Internal Revenue Code. Examples of qualifying events are marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse's employment, or certain changes of a spouse's employment. You have 30 days from the date of the qualifying event to request a change in benefits. Flexible Spending Account expenses must be incurred during the Plan Year to be eligible for reimbursement. Filing claims timely can prevent loss of funds. If employment terminates during the plan year, the employee's plan year ends the day employment ends. All claims should be submitted immediately upon termination. Dependent Care Flexible Spending Account – Maximum Available for 2024 is $5,000 The Dependent Care Flexible Spending Account maximum reimbursement is equal to your account balance. You cannot be reimbursed more than the amount in your account. Benefit Accessibility You will have access to your annual Medical FSA election on the ﬁrst day of the plan year. You will have access to your Dependent Care FSA after deductions are made and the funds have been transmitted to your account. Use it or Lose it Make sure you plan the use of your FSA. If you contribute funds to your Medical FSA and do not use all the money, you may carryover up to $640 for next year. Funds exceeding $640 will be lost. Be sure to submit claims immediately after the end of the plan year. #1 USE YOUR CARD WHENEVER POSSIBLE #2 USE YOUR FSA TO PAY FOR YOUR SPOUSE & DEPENDENTS #3 PAY FOR ELIGIBLE DENTAL AND VISION EXPENSES #4 CHECK AND KNOW YOUR FSA BALANCE Page 21

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Accident BenefitsThe Hartfords Accident plan(s) will pay each scheduled benefit for treatment, injury or services incurredby a covered person who is injured in an accident while insurance is in effect, subject to any planlimitations and exclusions. State specific variations may apply to the benefits shown below.Emergency, Hospital & Treatment Care Package³:Treatment/Service Detail (Per covered person) Plan 2.1 Plan 3.1ACCIDENT FOLLOW UP Up to 3 Treatments/accident within 90 Day$100 $150ACUPUNCTURE Up to 10 visits/accident within 365 Days$50 $75AMBULANCE  AIR Once/accident within 72 Hours$2,000 $2,500AMBULANCE  GROUND Once/accident within 90 Days$750 $1,000BLOOD/PLASMA/PLATELETS Once/accident within 90 Days$300 $400CHILD CAREUp to 30 Days/accident while insured isconfined$35 $50CHIROPRACTIC CARE Up to 10 visits/accident within 365 Days$50 $75DAILY HOSPITAL CONFINEMENT Up to 365 Days/lifetime (Total daily and ICU$400 $600DAILY ICU CONFINEMENTUp to 30 Days/accident (Subject to 365Days/lifetime)$600 $800DIAGNOSTIC EXAM Once/accident within 90 Days$300 $400EMERGENCY DENTAL  CROWN Highest benefit once/accident within 90 Da$450 $600EMERGENCY DENTAL  EXTRACTION Highest benefit once/accident within 90 Da$150 $200EMERGENCY ROOM Once /accident within 72 Hours$200 $250HOSPITAL ADMISSION Once/accident within 90 Days$1,500 $2,000INITIAL PHYSICIAN OFFICE VISIT Once/accident within 90 Days$100 $150LODGING Up to 30 Nights/lifetime$150 $175MEDICAL APPLIANCE Once/accident within 90 Days$200 $300PHYSICAL THERAPY Up to 10 Visits/accident within 90 Days$75 $100REHABILITATION FACILITY Up to 15 Days/lifetime within 90 Days$300 $450TRANSPORTATION Up to 3 Trips/accident$600 $800URGENT CARE Once /accident within 72 Hours$150 $200X RAY Once/accident within 90 Days$150 $200ID: 1790945 Page 25

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Specified Injury & Surgery Benefit Package:Injury/Treatment/Service Detail (Per covered person) Plan 2.1 Plan 3.1ABDOMINAL/THORACIC SURGERY Once/accident within 90 Days$3,000 $4,000ARTHROSCOPIC SURGERY Once/accident within 90 Days$500 $750BURN  2ND DEGREE ( 34% OF BODYSURFACE)Highest benefit once/accident within 72 Hours$1,500 $2,000BURN  3RD DEGREE ( 18IN2 OF BODYSURFACE)Highest benefit once/accident within 72 Hours$15,000 $20,000BURN  SKIN GRAFT (FOR 3RD DEGREEBURN)Once/accident50% BurnBenefit50% BurnBenefitCONCUSSION Up to 3 Concussions/year within 72 Hours$200 $250EYE INJURY  OBJECT REMOVAL Highest benefit once/accident within 90 Days$400 $600EYE INJURY  SURGERY Highest benefit once/accident within 90 Days$750 $1,000HERNIA REPAIR Once/accident within 365 Days$400 $600JOINT REPLACEMENT Once/accident within 90 Days$4,000 $6,000KNEE CARTILAGE  WITH REPAIRHighest benefit once/accident within 12 Month$2,000 $3,000KNEE CARTILAGE  WITHOUT REPAIR$500 $750LACERATION  2 TO 6 Highest benefit once/accident within 72 Hours$500 $750LACERATION  6 OR GREATER Highest benefit once/accident within 72 Hours$1,000 $1,500ORGANIZED AMATEUR SPORTS INJURY25% increase of noncatastrophic benefitsRUPTURED DISC Once/accident within 365 Days$2,000 $3,000TENDON/LIGAMENT/CUFF  SINGLEHighest benefit once/accident within 365 Days$1,000 $1,500TENDON/LIGAMENT/CUFF  2 OR MORE$2,000 $3,000ID: 1790945Page 26

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Specified Injury & Surgery Benefit Package: Fractures(Dollar amounts shown are for Open Surgical injuries)Injury Detail (Per covered person) Plan 2.1 Plan 3.1SPOUSE BENEFIT AMOUNTS100% of Employee'sCoverage AmountCHILD(REN) BENEFIT AMOUNTS100% of Employee'sCoverage AmountANKLEOnce/bone/accident within 90 Days$2,000 $3,000FOOT BONES (EXCEPT TOES)$1,500 $2,000COCCYX$750 $1,000COLLARBONE/CLAVICLE OR STERNUM$4,000 $6,000FINGER, TOE$500 $750FOREARM  RADIUS OR ULNA$2,000 $3,000HIP, THIGH/FEMUR$8,000 $12,000KNEECAP/PATELLA$3,000 $4,500LOWER JAW/MANDIBLE (EXC. ALV. PROCE$1,500 $2,000LOWER LEG  FIBULA OR TIBIA$4,000 $6,000NOSE, FACIAL BONES (EXCEPT JAW BONES$1,500 $2,000PELVIS (EXCEPT COCCYX)$10,000 $12,000VERTEBRAE  PROCESSES$1,500 $2,000RIB$750 $1,000SHOULDER BLADE/SCAPULA$4,000 $6,000SKULL  DEPRESSED$10,000 $12,000SKULL  NON DEPRESSED/SIMPLE$4,000 $6,000UPPER ARM/HUMERUS$2,000 $3,000UPPER JAW/MAXILLA (EXC. ALVEOLARPROCESS)$1,500 $2,000VERTEBRAE  BODY$3,000 $4,500WRIST, HAND BONES (EXCEPT FINGERS)$2,000 $3,000CLOSED (NON SURGICAL) 50% of Open BenefitCHIP FRACTURE 25% of closed Ben.MULTIPLE FRACTURES/DISLOCATIONS 200% of highest BenefID: 1790945 Page 28

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GROUP BENEFITS ACCIDENT INSURANCE Accident Prevention BenefitThe Accident Prevention Benefit is an optional benefit available with The Hartford s group accident plans. The Accident Prevention Benefit is not available in all states.* (Please consult your Hartford representative or see below for current limitations.) The Hartfords Accident Prevention Benefit is payable once each year for each covered person employee/member, spouse/partner and any dependent child(ren). Accident Prevention Benefit claims may be submitted by the employee/member over the phone, through the online claims portal, or through traditional paper claim form (fax or mail). Methods of payment include traditional check or EFT/ACH (upon completion of registration for EFT/ACH payments). When the Accident Prevention Benefit is included in an accident plan, the exams, screenings and programs covered under the benefit include: a dental examan eye exama hearing examan annual physicala sports physicala well-child examan employer-sponsored wellness or biometric screeninga serum cortisol test (for stress levels)successful completion of an appropriately licensed or accredited:- emotion management or stress reduction program- driver safety and training program- motorcycle safety and training program- workplace safety and training program*As of 5/7/20, the Accident Prevention Benefit is not available to group policies sitused in the following jurisdictions: CA, CO, DC, IN, MI, ND, NM, NH,NY, OR, VT or WAThe Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued inforce or discontinued. ©2020 The Hartford. Accident Form Series includes GBD-2000, GBD-2300, or state equivalent. 05/20 ©The Hartford $75.00 Reimbursement for 2024-2025Page 32

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ABJ30590-3 - Insert - 93287This material is valid as long as information remains current, but in no event later than March 27, 2026. Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation. ©2023 Allstate Insurance Company. www.allstate.com or allstatebenefits.com.For use in enrollments sitused in: NC. This rate insert is part of the approved brochure for Richmond Community College and is not to be used on its own.Cancer Insurance (GVCP3)Includes coverage for 29 Specified Diseases from Allstate BenefitsBENEFIT AMOUNTSHOSPITAL CONFINEMENT AND RELATED BENEFITSPLAN 1PLAN 2Continuous Hospital Confinement (daily)$100$300Government or Charity Hospital (daily)$100$300Private Duty Nursing Services (daily)$100$300Extended Care Facility (daily)$100$300At Home Nursing (daily)$100$300Hospice Care Center (daily) or$100$300Hospice Care Team (per visit)$100$300RADIATION/CHEMOTHERAPY/RELATED BENEFITSPLAN 1PLAN 2Radiation/Chemotherapy for Cancer1 (every 12 months)$5,000$12,500Blood, Plasma, and Platelets1 (every 12 months)$5,000$12,500Hematological Drugs1 (every 12 months)$100$250Medical Imaging1 (every 12 months)$250$625SURGERY AND RELATED BENEFITSPLAN 1PLAN 2Surgery2$1,500$3,000Anesthesia (% of surgery benefit)25%25%Bone Marrow or Stem Cell Transplant (once/year)1. Autologous $500 $1,0002. Non-autologous (cancer or specified disease treatment) $1,250 $2,5003. Non-autologous (Leukemia) $2,500 $5,000Ambulatory Surgical Center (daily)$250$500Second Opinion$200$400MISCELLANEOUS BENEFITSPLAN 1PLAN 2Inpatient Drugs and Medicine (daily)$25$25Physician’s Attendance (daily)$50$50Ambulance (per confinement)$100$100Non-Local Transportation1(coach fare or amount shown per mile*)0.40/Mile0.40/MileOutpatient Lodging (daily; limit $2,000/12 mo. period)$50$50Family Member Lodging (daily per trip; max. 60 days)$50$50and Transportation (coach fare or amount shown per mile**)0.40/Mile0.40/MilePhysical or Speech Therapy (daily)$50$50New or Experimental Treatment3 (every 12 months)$5,000$5,000Prosthesis3 (per amputation)$2,000$2,000Hair Prosthesis (every 2 years)$25$25Nonsurgical External Breast Prosthesis1$50$50Anti-Nausea Benefit1 (once per calendar year)$200$200Waiver of Premium (employee only)YesYesOPTIONAL/ADDITIONAL BENEFITSPLAN 1PLAN 2Cancer Initial Diagnosis (one-time benefit) $5,000 $5,000Wellness Benefit $100 $1001Pays actual cost up to amount listed. 2Pays actual charges up to amount listed in certificate Schedule of Surgical Procedures. Amount paid depends on surgery. 3Pays actual charges up to amount listed. *At least 70 miles away, up to 700 miles. **Transportation up to 700 miles per continuous hospital confinement.PLAN 1 PREMIUMSMODE EE EE + SP EE + CH FMonthly $17.48 $27.81 $24.20 $34.50 PLAN 2 PREMIUMSMODE EEEE + SPEE + CH FMonthly $30.30 $47.10 $42.73 $59.50 Issue ages: 18 and over if actively at work Opt 1-1Hosp; 2Rad; 1Surg; 1Misc; 5Init; 0ICU; 4Well; 0ProgOpt 2-3Hosp; 5Rad; 2Surg; 1Misc; 5Init; 0ICU; 4Well; 0ProgV.2023.02.28 FA Rate Insert Creation Date: 3/27/2023FOR HOME OFFICE USE ONLY - GVCP3EE=Employee; EE + SP = Employee + Spouse; EE + CH = Employee + Child(ren); F = FamilyRichmond Community CollegeOffered to the employees of:Page 36

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]DentalMetropolitan Life Insurance CompanyPlan Design for: Richmond Community CollegeOriginal Plan Effective Date: July 1, 2023Network: PDP PlusThe Preferred Dentist Program was designed to help you get the dental care you need and help lower your costs. You get benefits for a wide range of covered services — both in and out of the network. The goal is to deliver cost-effective protection for a healthier smile and a healthier you. Coverage Type: In-Network1% of Negotiated Fee2Out-of-Network1% of R&C Fee4Type A - Preventive 100% 100%Type B - Basic Restorative 80% 80%Type C - Major Restorative 50% 50%Type D - Orthodontia 50% 50%Deductible3Individual $0 $0Family $0 $0Annual Maximum Benefit:Per Individual $2000 $2000Orthodontia Lifetime Maximum -Ortho applies to Adult and ChildUp to dependent age limit$2000 per Person $2000 per PersonDependent Age: Eligible for benefits until the day that he or she turns 26.1."In-Network Benefits" refers to benefits provided under this plan for covered dental services that are provided by a participating dentist. "Out-of-Network Benefits" refers to benefits provided under this plan for covered dental services that are not provided by a participating dentist. Utilizing an out-of-network dentist for care may cost you more than using an in-network dentist.2.Negotiated fees refer to the fees that participating dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.3.Applies to Type B and C services only.4.Out-of-network benefits are payable for services rendered by a dentist who is not a participating provider. The Reasonable and Customary Charge is based on the lesser of:the dentist's actual charge (the 'Actual Charge') or the charge of most dentists in the same geographic area for the same or similar services as determined by MetLife (the 'Customary Charge'). For your plan, the Customary Charge is based on the 99th percentile.Page 45

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]Understanding Your Dental Benefits Plan The Preferred Dentist Program is designed to provide the dental coverage you need with the features you want. Like the freedom to visit the dentist of your choice – in or out of the network. . If you receive in-network services, you will be responsible for any applicable deductibles, cost sharing, negotiated charges after benefit maximums are met, and costs for non-covered services. If you receive out-of-network services, you will be responsible for any applicable deductibles, cost sharing, charges in excess of the benefit maximum, charges in excess of the negotiated fee schedule amount or R&C Fee, and charges for non-covered services. Plan benefits for in-network covered services are based on a percentage of the Negotiated fee – the Fee that participating dentists have agreed to accept as payment in full for covered services, subject to any deductibles, copayments, cost sharing and benefit maximums. Negotiated fees are subject to change. Plan benefits for out-of-network services are based on a percentage of the Reasonable and Customary (R&C) charge. If you choose a dentist who does not participate in the network, your out-of-pocket expenses may be greater. Once you’re enrolled you may take advantage of online self-service capabilities with MyBenefits. Check the status of your claims Locate a participating dentist Access MetLife’s Oral Health Library Elect to view your Explanation of Benefits online To register, just go to www.metlife.com/mybenefits and follow the easy registration instructions. Page 46

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]IMPORTANT RATE INFORMATIONMonthly Premium Payment Employee $44.32 Employee + Spouse $84.80 Employee + Child(ren) $100.52 Employee + Family $140.96 Cancellation/Termination of Benefits: Coverage is provided under a group insurance policy (Policy form GPN99) issued by Metropolitan Life Insurance Company. Subject to the terms of the group policy, rates are effective for one year from your plan's effective date. Once coverage is issued, the terms of the group policy permit Metropolitan Life Insurance Company to change rates during the year in certain circumstances. Coverage terminates when your full-time employment ceases, when your dental contributions cease or upon termination of the group policy by the Policyholder. The group policy may also terminate if participation requirements are not met, or on the date of the employee’s death, if the Policyholder fails to perform any obligations under the policy, or at MetLife's option. The dependent's coverage terminates when a dependent ceases to be a dependent. There is a 30-day limit for the following services that are in progress: Completion of a prosthetic device, crown or root canal therapy after individual termination of coverage. IMPORTANT ENROLLMENT INFORMATION You may only enroll for Dental Expense Benefits within 31 days of your Personal Benefits Eligibility Date, or if you have a Qualifying Event or during the Plan's Annual Open Enrollment Period. Qualifying Event: Request to be covered, or to change your coverage, upon a Qualifying Event If there is a Qualifying Event you may request to be covered, or to change your coverage, only within 31 days of a Qualifying Event. Such a request will not be a late request. Except for marriage or the birth or adoption of a child, you must give us proof of prior dental coverage under your spouse's plan if you are requesting coverage under this Plan because of a loss of the prior dental coverage. If you make a request to be covered under this Plan or request a change(s)in coverage under this Plan within thirty-one days of a Qualifying Event, your coverage or the change(s) in coverage will become effective on the first day of the month following the date of your request, subject to the Active Work Requirement, and provided that the change in coverage is consistent with your new family status. Page 47

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]Selected Covered Services and Frequency Limitations* Type A - Preventive How Many/How Often:Oral Examinations 2 in a year Full Mouth X-rays 1 in 3 years Bitewing X-rays (Adult/Child) 1 in a year Prophylaxis - Cleanings 2 in a year Topical Fluoride Applications 1 in a year - Children to age 19 Space Maintainers No limit - Children up to age 14Harmful Habits Appliances Type B - Basic Restorative How Many/How Often:Sealants 1 in 3 years - Children to age 17Amalgam and Composite Fillings 1 in 24 months.Prefabricated Crowns 1 per tooth in 24 monthsRepairs 1 in 12 months Periodontal Maintenance 2 in 1 year, includes 2 cleaningsOral Surgery (Simple Extractions)Oral Surgery (Surgical Extractions) Other Oral SurgeryEmergency Palliative TreatmentGeneral Anesthesia Consultations 1 in 12 months Type C - Major Restorative How Many/How Often: Crowns/Inlays/Onlays 1 per tooth in 5 yearsEndodontics Root Canal 1 per tooth in 12 monthsPeriodontal Surgery 1 in 36 months per quadrant Periodontal Scaling & Root Planing 1 in 24 months per quadrant Bridges 1 in 5 years Dentures 1 in 5 years Implant Services 1 service per tooth in 5 years - 1 repair per 5 years Type D – Orthodontia Adult and Child Coverage. Dependent children up to age 26. Age limitations may vary by state. Please see your Plan description for complete details. In the event of a conflict with this summary, the terms of the certificate will govern. All dental procedures performed in connection with orthodontic treatment are payable as Orthodontia. Benefits for the initial placement will not exceed 20% of the Lifetime Maximum Benefit Amount for Orthodontia. Periodic follow-up visits will be payable on a monthly basis during the scheduled course of the orthodontic treatment. Allowable expenses for the initial placement, periodic follow-up visits and procedures performed in connection with the orthodontic treatment, are all subject to the Orthodontia coinsurance level and Lifetime Maximum Benefit Amount as defined in the Plan Summary. Orthodontic benefits end at cancellation of coverage *Alternate Benefits: Where two or more professionally acceptable dental treatments for a dental condition exist, reimbursement is based on the least costly treatment alternative. If you and your dentist have agreed on a treatment that is more costly than the treatment upon which the plan benefit is based, you will be responsible for any additional payment responsibility. To avoid any misunderstandings, we suggest you discuss treatment options with your dentist before services are rendered, and obtain a pretreatment estimate of benefits prior to receiving certain high cost services such as crowns, bridges or dentures. You and your dentist will each receive an Explanation of Benefits (EOB) outlining the services provided, your plan’s reimbursement for those services, and your out-of-pocket expense. Actual payments may vary from the pretreatment estimate depending upon annual maximums, plan frequency limits, deductibles and other limits applicable at time of payment. The service categories and plan limitations shown above represent an overview of your Plan of Benefits. This document presents many services within each category, but is not a complete description of the Plan. Please see your Plan description/Insurance certificate for complete details. In the event of a conflict with this summary, the terms of your insurance certificate will govern. Page 48

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]We will not pay Dental Insurance benefits for charges incurred for: 1. Services which are not Dentally Necessary, those which do not meet generally accepted standards of care for treating the particular dental condition, or which We deem experimental in nature; 2. Services for which You would not be required to pay in the absence of Dental Insurance; 3. Services or supplies received by You or Your Dependent before the Dental Insurance starts for that person; 4. Services which are primarily cosmetic (For residents of Texas, see notice page section in your certificate). 5. Services which are neither performed nor prescribed by a Dentist except for those services of a licensed dental hygienist which are supervised and billed by a Dentist and which are for: scaling and polishing of teeth; or fluoride treatments. For NY Sitused Groups, this exclusion does not apply. 6. Services or appliances which restore or alter occlusion or vertical dimension. 7. Restoration of tooth structure damaged by attrition, abrasion or erosion. 8. Restorations or appliances used for the purpose of periodontal splinting. 9. Counseling or instruction about oral hygiene, plaque control, nutrition and tobacco.10. Personal supplies or devices including, but not limited to: water piks, toothbrushes, or dental floss. 11. Decoration, personalization or inscription of any tooth, device, appliance, crown or other dental work. 12. Missed appointments.13. Services covered under any workers’ compensation or occupational disease law; covered under any employer liability law; for which the employer of the person receiving such services is not required to pay; or received at a facility maintained by the Employer, labor union, mutual benefit association, or VA hospital. For North Carolina and Virginia Sitused Groups, this exclusion does not apply.14. Services paid under any worker’s compensation, occupational disease or employer liability law as follows: for persons who are covered in North Carolina for the treatment of an Occupational Injury or Sickness which are paid under the North Carolina Workers’ Compensation Act only to the extent such services are the liability of the employee, employer or workers’ compensation insurance carrier according to a final adjudication under the North Carolina Workers’ Compensation Act or an order of the North Carolina Industrial Commission approving a settlement agreement under the North Carolina Workers’ compensation Act; or for persons who are not covered in North Carolina, services paid or payable under any workers compensation or occupational disease law.This exclusion only applies for North Carolina Sitused Groups. 15. Services: for which the employer of the person receiving such services is required to pay; or received at a facility maintained by the Employer, labor union, mutual benefit association, or VA hospital. This exclusion only applies for North Carolina Sitused Groups. 16. Services covered under any workers' compensation, occupational disease or employer liability law for which the employee/or Dependent received benefits under that law. This exclusion only applies for Virginia Sitused Groups. 17. Services: for which the employer of the person receiving such services is not required to pay; or received at a facility maintained by the policyholder, labor union, mutual benefit association, or VA hospital. This exclusion only applies for Virginia Sitused Groups.18. Services covered under other coverage provided by the Employer.19. Temporary or provisional restorations.20. Temporary or provisional appliances. 21. Prescription drugs. 22. Services for which the submitted documentation indicates a poor prognosis. 23. The following when charged by the Dentist on a separate basis: claim form completion; infection control such as gloves, masks, and sterilization of supplies; or local anesthesia, non-intravenous conscious sedation or analgesia such as nitrous oxide. 24. Dental services arising out of accidental injury to the teeth and supporting structures, except for injuries to the teeth due to chewing or biting of food.For NY Sitused Groups, this exclusion does not apply. 25. Caries susceptibility tests. 26. Initial installation of a fixed and permanent Denture to replace one or more natural teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing natural teeth. 27. Other fixed Denture prosthetic services not described elsewhere in this certificate. 28. Precision attachments, except when the precision attachment is related to implant prosthetics. 29. Initial installation or replacement of a full or removable Denture to replace one or more natural teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing natural teeth. 30. Addition of teeth to a partial removable Denture to replace one or more natural teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing natural teeth. 31. Adjustment of a Denture made within 6 months after installation by the same Dentist who installed it. Page 49

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]32. Implants to replace one or more natural teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing natural teeth. 33. Implants supported prosthetics to replace one or more natural teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing natural teeth. 34. Appliances or treatment for bruxism (grinding teeth), including but not limited to occlusal guards and night guards.1 35. Diagnosis and treatment of temporomandibular joint (TMJ) disorders. This exclusion does not apply to residents of Minnesota.136. Repair or replacement of an orthodontic device.1 37. Duplicate prosthetic devices or appliances. 38. Replacement of a lost or stolen appliance, Cast Restoration, or Denture.39. Intra and extraoral photographic images.40. Services or supplies furnished as a result of a referral prohibited by Section 1-302 of the Maryland Health Occupations Article. A prohibited referral is one in which a Health Care Practitioner refers You to a Health Care Entity in which the Health Care Practitioner or Health Care Practitioner’s immediate family or both own a Beneficial Interest or have a Compensation Agreement. For the purposes of this exclusion, the terms “Referral”, “Health Care Practitioner” , “Health Care Entity”, “Beneficial Interest” and Compensation Agreement have the same meaning as provided in Section 1-301 of the Maryland Health Occupations Article. This exclusion only applies for Maryland Sitused Groups1Some of these exclusions may not apply. Please see your Certificate of Insurance. Page 50

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]Common Questions … Important AnswersWho is a participating dentist? A participating, or network, dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment in full for covered services provided to plan members, subject to any deductibles, copayments, cost sharing and benefit maximums. Negotiated fees typically range from 30-45% below the average fees charged in a dentist’s community for the same or substantially similar services.* In addition to the standard MetLife network, your employer may provide you with access to a select network of dental providers that may be unique to your employer’s dental program. When visiting these providers, you may receive a better benefit, have lower out-of-pocket costs and/or have access to care at facilities at your worksite. Please sign into MyBenefits for more details. * Based on internal analysis by MetLife. Negotiated fees refer to the fees that participating dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change. Savings from enrolling in a dental benefits plan will depend on various factors, including the cost of the plan, how often members visit a dentist and the cost of services rendered. Negotiated fees are subject to change. How do I find a participating dentist? There are thousands of general dentists and specialists to choose from nationwide --so you are sure to find one that meets your needs. You can receive a list of these participating dentists online at www.metlife.com/dental or call 1-800-275-4638 to have a list faxed or mailed to you. What services are covered by my plan? Please see your Certificate of Insurance for a list of covered services. May I choose a non-participating dentist? Yes. You are always free to select the dentist of your choice. However, if you choose a non-participating (out-of-network) dentist, your out-of-pocket costs may be greater than your out-of-pocket costs when visiting an in-network dentist. Can my dentist apply for participation in the network?Yes. If your current dentist does not participate in the network and you would like to encourage him or her to apply, ask your dentist to visit www.metdental.com, or call 1-866-PDP-NTWK for an application.* The website and phone number are for use by dental professionals only. * Due to contractual requirements, MetLife is prevented from soliciting certain providers. How are claims processed? Dentists may submit your claims for you which means you have little or no paperwork. You can track your claims online and even receive email alerts when a claim has been processed. If you need a claim form, visit www.metlife.com/dental or request one by calling 1-800-275-4638. Can I get an estimate of what my out-of-pocket expenses will be before receiving a service? Yes. You can ask for a pretreatment estimate. Your general dentist or specialist usually sends MetLife a plan for your care and requests an estimate of benefits. The estimate helps you prepare for the cost of dental services. We recommend that you request a pre-treatment estimate for services in excess of $300. Simply have your dentist submit a request online at www.metdental.com or call 1-877-MET-DDS9. You and your dentist will receive a benefit estimate for most procedures while you are still in the office. Actual payments may vary depending upon plan maximums, deductibles, frequency limits and other conditions at time of payment. Can MetLife help me find a dentist outside of the U.S. if I am traveling? Yes. Through international dental travel assistance services* you can obtain a referral to a local dentist by calling +1-312-356-5970 (collect) when outside the U.S. to receive immediate care until you can see your dentist. Coverage will be considered under your out-of-network benefits.** Please remember to hold on to all receipts to submit a dental claim. *International Dental Travel Assistance services are administered by AXA Assistance USA, Inc. (AXA Assistance). AXA Assistance provides dental referral services only. AXA Assistance is not affiliated with MetLife and any of its affiliates, and the services they provide are separate and apart from the benefits provided by MetLife. Referral services are not available in all locations. ** Refer to your Certificate of Insurance for your out-of-network dental coverage. Page 51

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]How does MetLife coordinate benefits with other insurance plans? Coordination of benefits provisions in dental benefits plans are a set of rules that are followed when a patient is covered by more than one dental benefits plan. These rules determine the order in which the plans will pay benefits. If the MetLife dental benefit plan is primary, MetLife will pay the full amount of benefits that would normally be available under the plan. If the MetLife dental benefit plan is secondary, most coordination of benefits provisions require MetLife to determine benefits after benefits have been determined under the primary plan. The amount of benefits payable by MetLife may be reduced due to the benefits paid under the primary plan. Do I need an ID card? No, You do not need to present an ID card to confirm that you are eligible. You should notify your dentist that you are enrolled in a MetLife Dental Plan. Your dentist can easily verify information about your coverage through a toll-free automated Computer Voice Response system. Do my dependents have to visit the same dentist that I select? No. You and your dependents each have the freedom to choose any dentist. Page 52

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RICHMOND COMMUNITY COLLEGEEye Care Highlight SheetVSP Choice Network + Affiliates Out of NetworkDeductibles$10 Exam $10 Exam$10 Eye Glass Lenses or Frames* $10 Eye Glass Lenses or FramesAnnual Eye ExamCovered in full Up to $45Lenses (per pair)Single Vision Covered in full Up to $30Bifocal Covered in full Up to $50Trifocal Covered in full Up to $65Lenticular Covered in full Up to $100Progressive See lens options NAContactsFit & Follow Up Exams Member cost up to $60 No benefitElective Up to $180 Up to $145Medically Necessary Covered in full Up to $210Frame Allowance$180** Up to $70Frequencies (months)Exam/Lens/Frame 12/12/24 12/12/24Based on date of service Based on date of service*Deductible applies to a complete pair of glasses or to frames, whichever is selected.**The Costco and Walmart allowance will be the wholesale equivalent.Lens Options (member cost)*VSP Choice Network + Affiliates Out of Network(Other than Costco)Progressive LensesLenses. The patient is responsible for the difference between the base lens and the Progressive Lens charge.Up to Lined Bifocal allowance.Std. PolycarbonateCovered in full for dependent children$33 adultsNo benefitSolid Plastic Dye$15(except Pink I & II)No benefitPlastic Gradient Dye$17 No benefitPhotochromatic Lenses(Glass & Plastic)$31-$82 No benefitScratch Resistant Coating$17-$33 No benefitAnti-Reflective Coating$43-$85 No benefitUltraviolet Coating$16 No benefit*Lens Option member costs vary by prescription, option chosen and retail locations.Eye Care Plan Member ServiceFocus eye care from Ameritas Group features the money-saving eye care network of VSP. Customer service is available to plan members through VSP's well-trained and helpful service representatives. Call or go online to locate the nearest VSP network provider, view plan benefit information and more.VSP Call Center: 1-800-877-7195Service representative hours: 5 a.m. to 7 p.m. PST Monday through Friday, 6 a.m. to 2:30 p.m. PST SaturdayInteractive Voice Response available 24/7Locate a VSP provider at: ameritas.comView plan benefit information at: vsp.comPage 61

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RICHMOND COMMUNITY COLLEGEEye Care Highlight SheetAdditional Focus® Choice Network FeaturesContact Lenses ElectiveAllowance can be applied to disposables, but the dollar amount must be used all at once (provider will order 3 or 6 month supply). Applies when contacts are chosen in lieu of glasses. For plans without a separate contact fitting & evaluation (which includes follow up contact lens exams), the cost of the fitting and evaluation is deducted from the allowance.Additional Glasses20% off additional complete pairs of prescription glasses and/or prescription sunglasses.*Frame DiscountVSP offers 20% off any amount above the retail allowance.*Laser VisionCareVSP offers an average discount of 15% off or 5% off a promotional offer for LASIK Custom LASIK and PRK. The maximum out-of-pocket per eye for members is $1,800 for LASIK and $2,300 for custom LASIK using Wavefront technology, and $1,500 for PRK. In order to receive the benefit, a VSP provider must coordinate the procedure.Low VisionWith prior authorization, 75% of approved amount (up to $1,000 is covered every two years).Based on applicable laws, reduced costs may vary by doctor location.Rx SavingsOur valued plan members and their covered dependents can save on prescription medications at over 60,000 pharmacies across the nation including CVS, Walgreens, Rite Aid and Walmart. This Rx discount is offered at no additional cost, and it is not insurance.To receive this Rx discount, Ameritas plan members just need to visit us at ameritas.com and sign into (or create) a secure member account where they can access and print an online-only Rx discount savings ID card.Hearing SavingsWith your Ameritas plan, you can receive hearing aid discounts through Great Hearing Benefits at their 4,500+ hearing care locations nationwide. Call 877-683-9495 for your free hearing consultation today. This savings arrangement is not insurance. It is available to members at no additional cost totheir plan premium.Highlights include: hearing exam for only $50 (saves you $10technology, plus a satisfaction guarantee and warranty service. Visit greathearingbenefits.com/ameritas to learn more.This document is a highlight of plan benefits provided by Ameritas Life Insurance Corp. as selected by your employer. It is not a certificate of insurance and does not include exclusions and limitations. For exclusions and limitations, or a complete list of covered procedures, contact your benefits administrator.Page 62

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ǁǁǁ͘ƌĞůŝĂŶĐĞƐƚĂŶĚĂƌĚ͘ĐŽŵdŚŝƐWůĂŶ,ŝŐŚůŝŐŚƚŝƐŶŽƚĂĐŽŵƉůĞƚĞĚĞƐĐƌŝƉƚŝŽŶŽĨƚŚĞŝŶƐƵƌĂŶĐĞĐŽǀĞƌĂŐĞ͘/ŶƐƵƌĂŶĐĞŝƐƉƌŽǀŝĚĞĚƵŶĚĞƌŐƌŽƵƉƉŽůŝĐǇĨŽƌŵ>Z^Ͳϴϯϰϵ͕ĞƚĂů͘dŚŝƐŝƐŶŽƚĂďŝŶĚŝŶŐĐŽŶƚƌĂĐƚ͘^ŚŽƵůĚƚŚĞƌĞ ďĞ Ă ĚŝĨĨĞƌĞŶĐĞ ďĞƚǁĞĞŶƚŚŝƐ WůĂŶ ,ŝŐŚůŝŐŚƚ ĂŶĚƚŚĞ ĐŽŶƚƌĂĐƚ͕ ƚŚĞ ĐŽŶƚƌĂĐƚ ǁŝůůŐŽǀĞƌŶ͘ dŚĞ ĞƌƚŝĨŝĐĂƚĞ ŽĨŽǀĞƌĂŐĞ ǁŝůů ďĞ ŵĂĚĞ ĂǀĂŝůĂďůĞ ƚŽǇŽƵƚŚĂƚZĞůŝĂŶĐĞ^ƚĂŶĚĂƌĚ>ŝĨĞ/ŶƐƵƌĂŶĐĞŽŵƉĂŶǇŝƐůŝĐĞŶƐĞĚŝŶĂůůƐƚĂƚĞƐ;ĞǆĐĞƉƚEĞǁzŽƌŬͿ͕ƚŚĞŝƐƚƌŝĐƚŽĨŽůƵŵďŝĂ͕WƵĞƌƚŽZŝĐŽ͕ƚŚĞh͘^͘ sŝƌŐŝŶ/ƐůĂŶĚƐĂŶĚ'ƵĂŵ͘/ŶEĞǁzŽƌŬ͕ ŝŶƐƵƌĂŶĐĞ ƉƌŽĚƵĐƚƐ ĂŶĚ ƐĞƌǀŝĐĞƐ ĂƌĞ ƉƌŽǀŝĚĞĚ ƚŚƌŽƵŐŚ &ŝƌƐƚ ZĞůŝĂŶĐĞ ^ƚĂŶĚĂƌĚ >ŝĨĞ /ŶƐƵƌĂŶĐĞ ŽŵƉĂŶǇ͕ ,ŽŵĞ KĨĨŝĐĞ͗ EĞǁ zŽƌŬ͕ Ez͘ WƌŽĚƵĐƚ ĨĞĂƚƵƌĞƐ ĂŶĚĂǀĂŝůĂďŝůŝƚǇŵĂǇǀĂƌǇďǇƐƚĂƚĞ͘Plan Highlights ZŝĐŚŵŽŶĚ Community College  GUARANTEED ISSUE Initial eligibility period only EĞǁ,ŝƌĞƐ͗ΨϮϬϬ͕ϬϬϬ ZĞͲĞŶƌŽůůŵĞŶƚEmployeeƐ:hŶĚĞƌĂŐĞϲϬ͗ΨϱϬ͕ϬϬϬDĂǆŐĞϲϬďƵƚůĞƐƐƚŚĂŶĂŐĞϳϬ͗ΨϱϬ͕ϬϬϬDĂǆŐĞϳϬĂŶĚŽǀĞƌ͗ΨϱϬ͕ϬϬϬDĂǆSpouse:hŶĚĞƌĂŐĞϲϬ͗EĞǁ,ŝƌĞƐΨϱϬ͕ϬϬϬZĞͲĞŶƌŽůůŵĞŶƚΨϭϬ͕ϬϬϬDĂǆŐĞϲϬďƵƚůĞƐƐƚŚĂŶĂŐĞϳϬ͗K/KŶůǇͲEŽ'ƵĂƌĂŶƚĞĞĚ/ƐƐƵĞ ŐĞϳϬĂŶĚŽǀĞƌ͗EŽƚǀĂŝůĂďůĞChild(ren):ΨϭϬ͕ϬϬϬCONTRIBUTION REQUIREMENTS ŽǀĞƌĂŐĞŝƐϭϬϬйŵƉůŽǇĞĞWĂŝĚ͘BENEFIT REDUCTION DUE TO AGE (Applicable to employee / spouse coverage) ƚŐĞ &ĂĐĞŵŽƵŶƚZĞĚƵĐĞƐdŽ  Voluntary Group Term Life ϳϱͲϳϵ ϲϬйŽĨĂǀĂŝůĂďůĞŽƌŝŶĨŽƌĐĞĂŵŽƵŶƚĂƚĂŐĞϳϰϴϬͲϴϰ ϯϱйŽĨĂǀĂŝůĂďůĞŽƌŝŶĨŽƌĐĞĂŵŽƵŶƚĂƚĂŐĞϳϰϴϱͲϴϵ Ϯϳ͘ϱйŽĨĂǀĂŝůĂďůĞŽƌŝŶĨŽƌĐĞĂŵŽƵŶƚĂƚĂŐĞϳϰϵϬͲϵϰ ϮϬйŽĨĂǀĂŝůĂďůĞŽƌŝŶĨŽƌĐĞĂŵŽƵŶƚĂƚĂŐĞϳϰϵϱͲϵϵ ϳ͘ϱйŽĨĂǀĂŝůĂďůĞŽƌŝŶĨŽƌĐĞĂŵŽƵŶƚĂƚĂŐĞϳϰϭϬϬн ϱйŽĨĂǀĂŝůĂďůĞŽƌŝŶĨŽƌĐĞĂŵŽƵŶƚĂƚĂŐĞϳϰRATES PER $10,000ϭϴͲϯϵ͗ΨϬ͘ϴϬϰϬͲϱϵ͗Ψϭ͘ϴϬϲϬн͗ΨϮ͘ϱϬŚŝůĚ;ƌĞŶͿƉĞƌŵŽŶƚŚ͗ΨϮ͕ϱϬϬ͗ΨϬ͘ϰϮΨϱ͕ϬϬϬ͗ΨϬ͘ϴϮΨϳ͕ϱϬϬ͗Ψϭ͘ϮϮΨϭϬ͕ϬϬϬ͗Ψϭ͘ϲϮFEATURESWŽƌƚĂďŝůŝƚǇtĂŝǀĞƌŽĨWƌĞŵŝƵŵELIGIBILITYůůĐƚŝǀĞ&ƵůůͲdŝŵĞŵƉůŽǇĞĞƐǁŽƌŬŝŶŐϯϬŚŽƵƌƐŽƌŵŽƌĞƉĞƌǁĞĞŬ͕ĞǆĐĞƉƚĨŽƌĂŶǇƉĞƌƐŽŶǁŽƌŬŝŶŐŽŶĂƚĞŵƉŽƌĂƌǇŽƌƐĞĂƐŽŶĂůďĂƐŝƐ͘Dependents: zŽƵŵƵƐƚďĞŝŶƐƵƌĞĚĨŽƌǇŽƵƌĞƉĞŶĚĞŶƚƐƚŽďĞĐŽǀĞƌĞĚ͘ĞƉĞŶĚĞŶƚƐĂƌĞ͗fzŽƵƌůĞŐĂůƐƉŽƵƐĞǁŚŽŝƐŶŽƚůĞŐĂůůǇƐĞƉĂƌĂƚĞĚŽƌĚŝǀŽƌĐĞĚĨƌŽŵǇŽƵ͕ƵŶĚĞƌĂŐĞϳϬŽŶĂƉƉůŝĐĂƚŝŽŶĚĂƚĞ͘fzŽƵƌůĞŐĂůůǇͲƌĞĐŽŐŶŝǌĞĚĚŽŵĞƐƚŝĐŽƌĐŝǀŝůƵŶŝŽŶƉĂƌƚŶĞƌf zŽƵƌƵŶŵĂƌƌŝĞĚĨŝŶĂŶĐŝĂůůǇĚĞƉĞŶĚĞŶƚĐŚŝůĚƌĞŶďŝƌƚŚƚŽϮϬǇĞĂƌƐ;ƚŽϮϲǇĞĂƌƐŝĨĨƵůůͲƚŝŵĞƐƚƵĚĞŶƚͿ͘f ƉĞƌƐŽŶŵĂǇŶŽƚŚĂǀĞĐŽǀĞƌĂŐĞĂƐďŽƚŚĂŶŵƉůŽǇĞĞĂŶĚĞƉĞŶĚĞŶƚ͘f KŶůǇŽŶĞŝŶƐƵƌĞĚƐƉŽƵƐĞŵĂǇĐŽǀĞƌĚĞƉĞŶĚĞŶƚĐŚŝůĚƌĞŶ͘BENEFIT AMOUNTVoluntary Life: ŚŽŽƐĞĨƌŽŵĂŵŝŶŝŵƵŵŽĨΨϭϬ͕ϬϬϬƚŽĂŵĂǆŝŵƵŵŽĨΨϱϬϬ͕ϬϬϬ ŝŶΨϭϬ͕ϬϬϬŝŶĐƌĞŵĞŶƚƐ͖ƐƵďũĞĐƚƚŽĂƐĂůĂƌǇĐĂƉŽĨϭϬƚŝŵĞƐďĂƐĞĂŶŶƵĂůĞĂƌŶŝŶŐƐ͘Spouse: ŚŽŽƐĞĨƌŽŵĂŵŝŶŝŵƵŵŽĨΨϭϬ͕ϬϬϬƚŽĂŵĂǆŝŵƵŵŽĨΨϱϬϬ͕ϬϬϬŝŶΨϭϬ͕ϬϬϬŝŶĐƌĞŵĞŶƚƐ͘Child(ren): ŝƌƚŚďƵƚůĞƐƐƚŚĂŶϲŵŽŶƚŚƐ͗Ψϭ͕ϬϬϬ͖ϲŵŽŶƚŚƐƚŚƌŽƵŐŚĂŐĞϮϬ͗ĐŚŽŝĐĞŽĨ ΨϮ͕ϱϬϬ͕Ψϱ͕ϬϬϬ͕Ψϳ͕ϱϬϬ͕ŽƌΨϭϬ͕ϬϬϬ;ƵƉƚŽĂŐĞϮϲŝĨĂĨƵůůͲƚŝŵĞƐƚƵĚĞŶƚͿ͘Page 70

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Have Questions?Trauma & PTSDAnd More!Mental & Behavioral HealthADHDAddictionsAnger ManagementAnxietyBipolar DisordersBullyingCareer/Job Related StressesChild and Adolescent IssuesDepressionDivorceEating DisordersGeneral Life CoachingGrief & LossLife ChangesNutrition CounselingPanic Disorders Parenting IssuesPostpartum DepressionRelationship & Marriage IssuesSelf-ImageStressSubstance AbuseFeverFluGasGoutHeadache/MigraineJoint Pain/SwellingLaryngitisAbdominal Pain/CrampsAbscessAcid RefluxAllergiesAnimal/Insect BiteArthritisAsthmaBackacheBlood Pressure IssuesBronchitisBowel/Digestive Issues CellulitisColdSore ThroatPink EyePoison Ivy/OakRash/Skin InjuryRespiratory InfectionSinusitusSprains & StrainsStrepTonsillitisVaginal/Menstrual IssuesYeast InfectionAnd More! Conditions We Treat:Primary Care TelemedicineConstipationCough/CroupDiarrheaDizzinessEye Infection/IrritationCOVID Symptomswww.WebDocUSA.com24-7-365 ACCESSVisit www.webdocusa.comSet Up Health ProfileHealth history, conditions, medications and other health infoYou're Done! Easily schedule telemedicine & teletherapy consultations & more! help@webdocusa.com www.webdocusa.com24/7/365 Telemedicine & Teletherapy HEALTHCARE FROM THE COMFORT OF YOUR HOMEHelp When You Need it, Where You Need it.Unlimited access to Board-Certified Licensed Physicians and Mental Health Therapists If RequestedPage 72Replace with Promo Code

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MetLife AdvantagesSMIf you have Dental Insurance, Register Today Will Preparation Services* Easily create a will; living will, or power of attorney Having a will is one of the most important things you can do for your family. Making sure your will is up-to-date can help ensure that your assets are distributed the way you want. You may not need to have access to an attorney to create a binding will. MetLife makes available online will preparation services provided by SmartLegalForms to create a binding will, living will, or assign a power of attorney. Convenience at your fingertips in a secure web environment Sign on to an easy–to-use and secure website, available to you and your family members 24 hours a day, 7 days a week to create binding documents. Resources are available online to address questions you may have about creating a will or general estate planning. Once you create your binding documents, you will be provided with simple-to-follow instructions for witnessing/signing them in front of a notary public. Get Started • Visit www.willscenter.com and register as a new user. Be sure to enter yourEmployer/Association name.• Follow the simple instructions to create your online document• Return at your convenience to complete or update stored documents* WillsCenter.com is a document service provided by SmartLegalForms, Inc., an affiliate of Epoq Group,Ltd. SmartLegalForms, Inc. and is not affiliated with MetLife. The WillsCenter.com service is separateand apart from any insurance or service provided by MetLife. The WillsCenter.com service does notprovide access to an attorney, does not provide legal advice, and may not be suitable for your specificneeds. Please consult with your financial, legal, and tax advisors for advice with respect to such matters.WillsCenter.com is available to anyone regardless of affiliation with MetLife.Like most group insurance policies, insurance policies offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations, and terms for keeping them in force. Please contact your benefits administrator or your MetLife Group Representative for costs and complete details. metlife.com Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0922025590[exp0924][All States][DC,GU,MP,PR,VI] © 2022 MetLife Services and Solutions, LLC . Page 73

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Cancer & Speciﬁed Disease Claims ChecklistInformation to identify your policy Policy number Policyholder’s name Policyholder’s date of birth Policyholder’s addressClaim details & documentationFile your claim quicker using MyBeneﬁts1. Login at https://mybenefits.allstate.com. Register first, if new to MyBenefits.2. With multiple payment options, choose how you will receive your benefits.3. Click ‘File a Claim’ to begin. Our system will guide you through each step along the way.4. Securely upload supporting documents by scanning or attaching stored files.5. Submit your completed claim.Other ways to file a claimFax claim submissions: 1 (866) 424-8482Wellness Claims: 1 (800) 430-4188Mail: American Heritage Life Insurance Company 1776 American Heritage Life Drive Jacksonville, FL 32224Patient or Claimant nameAttending Physician StatementPathology report with initial diagnosis (If no surgery or biopsy was performed, submit medical imaging and lab work confirming diagnosis)Pathology and Operative Report for any surgery following initial diagnosis Surgeon’s/physician’s bill with procedure codes and charges (Note: Please contact the physician’s office, not hospital billing office)Surgeon’s/physician’s bill with procedure codes and charges (Note: Please contact the physician’s office, not hospital billing office) Radiation- Itemized bills showing the procedure codes/full charge description and actual charges Chemotherapy- Itemized billing statement or receipt showing the drug name and/or procedure code and actual charges (Please note, some policies may also require an Explanation of Benefits from the primary insurance carrier)Transportation- List of specific dates traveled and round trip mileage for dates. For airline, bus, or train travel, please provide the receipt of itinerary with travel dates and costLodging – itemized bill/itinerary with dates of lodging and costsPage 76

2024 Richmond CC EE Ben Guide

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