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Message TireLinkEmployee Benefits Open Enrollment

toeDisclaimer: Brief synopsis only. Please refer Summary of Benefits & Coverage for complet details.Benefits (in-network)Allsta te Benefits -Group HealthAnnualDeductible InNetwork$3,500 ($7,000 family)Coinsuranceyou pay 30%Out-of-Pocket Max InNetwork$9,100 ($18,2000family)PrimaryOffice Visits $60 copaySpecialistOffice Visits $100 copayUrgentCare Visits $100 copayEmergencyRoom FacilityPhysician$350 access fee followed by deductible, then 30%coinsurancePrescriptionsGeneric drugs (Tier 1) $20copay Preferred brand drugs (Tier 2)retail/$60 copay mail order$65copay retail/$195 copaymail order

WeeklyRatesAllstateBenefits -Gr oupHealthEmployeeOnly $46.70weekEmployeeand Spouse $119.08weekEmployeeand Child(ren)$91.06weekFamily$154.10week

What is Voluntary Insurance? Voluntary insurance allows you the flexibility to choose benefits that meet your personal needs Helps offset unexpected medical expenses, such as emergency room fees, deductibles, and copayments that can result from an accidental injury or critical illness Benefits can be used to help pay expenses that other insurance plans don’t cover

Colonial LifeThe Advantage of Colonial Life: Convenience of payroll deduction - no checks to write, no premium deadlines to remember. Plans pay in addition to other benefits you may have with other insurance companies. Benefits are paid directly to you. You’re free to use the benefit any way you choose. Portable - your policy is yours to keep. Take your coverage with you if you change jobs or retire. Prompt and courteous customer service.

Colonial Life Dental with or without Vision Accident Insurance Short Term Disability Term Life InsurancePolicies have exclusions and limitations that may affect benefits payable.All plans may not be available in all states and benefits provided may also vary by state

Colonial LifeDental PPO Insurance Preventative Exams covered at 100% - No waiting period Basic Services (fillings, simple extractions) covered at 80% - No waiting period Major Services (oral surgery, crowns, bridges, dentures) – 12 month waiting period Annual benefit maximum $2,000 per insuredProduct underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable.All plans may not be available in all states and benefits provided may also vary by state

Colonial LifeProduct underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable.All plans may not be available in all states and benefits provided may also vary by stateDental PPO Insurance Weekly premiumsEmployee Only Employee & Spouse$7.65$14.44Employee & Children $18.14 Family $26.89

Colonial LifeProduct underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable.All plans may not be available in all states and benefits provided may also vary by stateVision Rider in addition to Dental coverage$10 Copay Annual Eye Exam$25 Copay Glasses or Contacts

Colonial LifeProduct underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable.All plans may not be available in all states and benefits provided may also vary by stateVision Rider in addition to Dental coverage Weekly premiumsEmployee Only Employee & Spouse$1.44$2.85Employee & Children $3.00 Family $4.70

Colonial LifeProduct underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable.All plans may not be available in all states and benefits provided may also vary by stateAccident Insurance Helps pay for out-of-pocket expenses due to accidental injuries – on or off the job Benefits can be used to cover deductibles and co-pays as well as non-medical expenses Your family is better prepared for those unexpected events

Colonial LifeAccident InsuranceHere is a sample of benefits you may be eligible for with Colonial Life’s Accident Insurance – Preferred Level:$125 Accident Emergency Treatment$150 Accident Follow-up Doctor Visits ($50/visit up to 3 visits per accident)$100 Appliance (such as wheelchair, crutches)$1,650 Fracture (broken leg, surgical repair)$250 Occupational/Physical Therapy ($25/per treatment for 10 days)$30 X-Ray (for diagnosis of broken leg)Total $2,305 of benefits paid to youThe claims example above is based on a covered person who receives a complete fracture of the leg and requires surgical repair. The policy has exclusions and limitations. Costs of treatment and benefit amounts may vary.Product underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable.All plans may not be available in all states and benefits provided may also vary by state.

Colonial LifeAccident InsuranceOther benefits includedHospital Admission due to an accident $1,000 Hospital Confinement $225 per day up to 365 days per accidentAccidental Death $25,000Accidental Death on a Common Carrier $100,000Many other benefits included. See brochure for complete list. Preferred Plan benefits listed. Basic option also available.Product underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable.All plans may not be available in all states and benefits provided may also vary by state.

Colonial LifeShort Term Disability• Income Protection• Replaces up to 60% of wages for off-job accidents or sickness• Benefit periods of 3, 6, 12, or 24 months• You select the waiting period - 7 days or 14 days

Colonial LifeTerm Life Insurance 10, 20, or 30 Year Term Periods available You can take the policy with you even if you change jobs or retire, with no increase in premium Your cost will vary based on the level of coverage you select Spouse and dependent children coverage available

What Happens Next?Product underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable.All plans may not be available in all states and benefits provided may also vary by state. Arrange for your 1-to-1 counseling session. The benefits counselor will help you… Learn about the value of your employee benefits including your medical, dental, vision and voluntary options Better understand the areas where you may lack protection Help you complete your enrollment confirmation or declinationNatalie J. Teltow, CBC™713.206.8880 phonenatalie@colonialtx.com

Thank youNS-118897/11