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The benefits plan year runsJanuary 1st throughDecember 31st. Unless you have a qualified change-in-status event that impacts your eligibility and thechange is allowed under the terms of the insurancecontract or plan document, you cannot make changes to your benefits until the nextOpen Enrollment period.Benefit changes must be consistent with your qualified change-in-status event.Changes must be submitted to Human Resources within 30 days of the event; documentation supporting the change will be required.Who is eligible for benefits?All full-time employees who work a minimum of 30 hours per week are eligible for benefits. For new hires, benefits are effective on the first of the month followingdate of hire.In addition to enrolling yourself, you may also enroll any eligible dependents. Eligible dependents are defined below:• Spouse: a person to whom you are legally married by ceremony• Child(ren): Your biological, adopted, or legal dependents up to age 26 regardless of student, financial, and marital status; coverage for a dependent child will terminate at the end of the month in which the child turns age 26Change-in-Status EventsUnless you have a qualified change-in-status event that impacts your eligibility andthe change is allowed under the terms of the insurance contract or plan document,you cannot make changes to the benefits you elect until the next Open Enrollmentperiod. Some examples of qualified change-in-status events are highlighted below:Marriage or divorceBirth, adoption, or deathChange in employment, or employment status for you, your spouse, or your dependent childChange in coverage under another employer plan, such as a change made during your spouse’s Open EnrollmentChrist The King takes pride in providing acomprehensive employee benefits program, and werecognize the important role employee benefits playas a critical component of your overallcompensation. We strive to maintain a benefitsprogram that is rewarding and competitive.WHAT’S INSIDEEmployee Resources Employee Contributions Medical Dental Vision Life/AD&D Disability2

EMPLOYEE RESOURCESMany of our providers have mobile apps that provide personalized access to your benefits when and where you need it! There are also a variety of FREE health and fitness related apps available. Browse and download apps to your smartphone or tablet from the App Store or Google Play.THERE’S AN APP FOR THAT!EMPLOYEE CONTRIBUTIONS Based on 24 pay periods per yearPlan Features Employee Employee + SpouseEmployee + Child(ren)FamilyMEDICAL—BlueCross BlueShieldPlan Option 1 $3,000$0.00 $337.44 $337.44 $674.89Plan Option 2 $1,250$0.00 $384.22 $384.22 $768.45DENTAL—Principal Dental Plan$0.00 $19.16 $19.41 $43.69VISION—PrincipalVision Plan$0.00 $4.12 $4.84 $9.933PlanPolicy Number Phone Number and Website/EmailMedicalCigna632155(800) 244-6224www.cigna.comDentalCigna632155(800) 244-6224www.cigna.com VisionCigna632155(800) 244-6224www.cigna.com Telehealth / Benefit AdvocacyBenezon(855) 861-8858www.thebenefitsapp.com/christtheking Life and Voluntary Life InsuranceUNUM131668(800) 445-0402www.unuminfo.com/CKPC Disability InsuranceUNUM131668(800) 445-0402www.unum.com Long Term CareUNUM131668(800) 693-4988www.unum.com Employee Assistance ProgramUNUMUser ID & Password Lifebalance(800) 854-1446www.unum.com/lifebalance Travel Assistance ProgramAssist America01-AA-UN-762490Within US: (800) 872-1414www.unum.com/travelassistance

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.KEY TERMS TO REMEMBER & HDHP/HSA PLAN DETAILSANNUAL DEDUCTIBLEThe amount you must pay each year before the plan starts paying a portion of medical expenses. All family members’ expenses that count toward a health plan deductible accumulate together in the aggregate; however, each person also has a limit on their own individual accumulated expenses (the amount varies by plan).OUT-OF-POCKET MAXIMUMThis is the total amount you can pay out of pocket each calendar year before the plan pays 100 percent of covered expenses for the rest of the calendar year. Most expenses that meet provider network requirements count toward the annual out-of-pocket maximum, including expenses paid to the annual deductible*, copays and coinsurance.*Except for Grandfathered medical plansCOPAYS AND COINSURANCEThese expenses are your share of cost paid for covered health care services. Copays are a fixed dollar amount and are usually due at the time you receive care. Coinsurance is your share of the allowed amount charged for a service and is generally billed to you after the health insurance company reconciles the bill with the provider.Medical4PLAN TYPESPPO – A network of doctors, hospitals, and other healthcare providers. You have coverage in and out of network.HMO – A network of doctors, hospitals, and other healthcare providers that offers only in-network coverage. There is no out-of-network coverage outside of a true emergency. HDHP – A plan that has higher deductibles in exchange for lower premiums. HDHPs are compatible with Health Savings Accounts (HSA).4

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.Overview of Benefit Programs5Christ the King provides an array of benefits that can help you enjoy increased well-being, deal with an unexpected illness or accident, build and protect your financial security, balance your personal and professional life and meet everyday needs. These benefits are affordable, comprehensive and competitive.The table below summarizes the benefits available to eligible staff and their dependents. These benefits are described in greater detail in this booklet.5Benefits Funding Carrier Medical & Prescription DrugsEmployee + DependentsEmployee coverage 100% Church PaidCignaDental PPO PlanEmployee + DependentsEmployee coverage 100% Church PaidCigna Vision PlanEmployee + DependentsEmployee coverage 100% Church PaidCignaTelehealth/Benefit AdvocacyEmployees + Dependents100% Church PaidBenezonGroup Life / AD&DEmployee Only100% Church PaidUnumShort-Term DisabilityEmployee Only100% Church PaidUnumLong-Term Disability Employee Only100% Church PaidUnumLong-Term CareEmployee Only100% Church PaidUnumEmployee Assistance Program (EAP)Employee + Dependents100% Church PaidCeridian / Unum Travel Assistance Program Employee + Dependents100% Church PaidUnum

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.MEDICAL & PRESCRIPTION PLAN HIGHLIGHTS6Plan Features Cigna Policy # 632155IN-NETWORK $3,000 Ded / 100% HDHP PPO $1,250 Ded / 80% PPOProvider Network Open Access Plus Open Access PlusHSA Compatible? Yes – EE & ER Contributions No Deductibles (Individual / Family)$3,000 / $6,000 $1,250 / $2,500Out-of-Pocket Max (Individual / Family)$3,000 / $6,000(Includes Deductible & Coinsurance)$4,500 / $9,000(Includes Deductible, Coinsurance, & Copays)Coinsurance(Member Responsibility)0% after deductible 20% after deductiblePreventive Care No Charge No ChargeVirtual Visits 0% after deductible $25 copayPrimary Care Visit 0% after deductible $25 copaySpecialist Visit 0% after deductible $50 copayDiagnostic Lab & X-Ray 0% after deductible No Charge after office visit copayComplex Imaging 0% after deductible 20% after deductibleOutpatient Procedure 0% after deductible 20% after deductibleEmergency Room 0% after deductible $250 copay per visit after deductibleUrgent Care 0% after deductible $50 copayRetail Pharmacy RX (30-Day Supply)0% after deductible $10 / $35 / $60Mail Order Pharmacy / RX (90-Day Supply)0% after deductible $30 / $105 / $180OUT-OF-NETWORK $3,000 Ded / 100% HDHP $1,250 Ded / 80% PPODeductibles (Individual / Family)$6,000 / $12,000 $2,500 / $5,000Out-of-Pocket Max (Individual / Family)$20,000 / $40,000 $9,000 / $18,000Coinsurance(Member Responsibility)30% after deductible 40% after deductibleEmergency Room (must be true emergency)0% after deductible $250 copay per visit after deductible

7This chart is intended for summary purposes only. If there are any discrepancies, the official plan documents will always govern. Pre-certification may be required for certain services.HEALTH SAVINGS ACCOUNTWho Is Eligible?* All three criteria must be met:• Enrolled in an IRS “qualified” High Deductible Health Plan• Not covered by another medical plan unless the other plans is also a “qualified” HDHP• Not enrolled in Medicare coverage*It is the employee’s responsibility to notify HR if you are not eligible for HSA.How does it work? The HDHP allows employees to set aside money on a pre-tax basis into a Health Savings Account (HSA). The HSA is an account established exclusively for the purpose of paying for qualified medical expenses for you and your eligible dependents on a tax-free basis. Contributions to the HSA are funded with pre-tax deductions withheld from your paycheck. The funds are deposited into an interest-bearing account in your name. The money in the HSA can be used to reimburse eligible expenses not covered by your insurance plan, including the deductible, coinsurance, and copays. Any money not used for medical reimbursement remains in the account. In the event you leave Teal Resources, you own the account and the money therein. For a complete list of “qualified” medical expenses, please refer to Publication 502 at www.irs.gov. How much can I contribute? IRS ANNUAL LIMITSEmployer Monthly ContributionEmployerAnnual Contribution2024 Max Contribution (Employer + Employee)Single Only*$100 / month $1,200 / year $4,150Employee + Family*$250 / month $3,000 / year $8,300Catch-Up Contribution Employees Age 55+ may be eligible to contribute an additional $1,000.You are responsible for tracking your contributions to ensure you do not exceed the maximum allowable contribution.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.BENEZON8The Power of Advocacy at your fingertips! 1.ACCESS FROM ANY DEVICE• Online: thebenefitsapp.com/christtheking• Google Play or App Store download: thebenefitsapp (no spaces)2.CREATE AN ACCOUNT• Enter Access Code: christtheking• Create username and password3.ACCESS YOUR BENEFITS ANYWHERE, ANYTIME • You’re now set up with access to your benefits information anytime you need it – from any device – PC, laptop, tablet or smart phone. Link to all benefits information & contactsCall the right people with questions. No more doubts!Call a ConciergeOne touch access to a specialist to help with all your questions.Cheaper Rx Save up to 70% on Rx through a network of licensed, international pharmacies.Get plan detailsAll medical, dental, and vision insurance plan information in one place.Store ID cards ID Cards stored in one place & sent seamlessly to the doctor.Need help with: • Understanding your health plan• Finding doctors in your network • Making your doctor’s appointments• Getting cost estimates for procedures• Resolving billing issues• Processing medical record transfersONE CALL, ONE APP! 1-855-861-8858Access to all your benefit information is available in one app!

Dental- PrincipalWe are pleased to offer you a comprehensive dental PPO plan. You can visit any licensed dentist, but your costs are usually lowest with an in-network dentist. In-network dentists accept reduced fees for covered services; out-of-network dentists may balance bill you the difference between their usual fee and what the plan pays.Plan Features In-Network & Out-of-Network*NetworkCigna DPPOCalendar Year DeductibleAmount you must pay per calendar year before the plan begins to pay benefits waived for preventive$50 individual$150 familyPreventive and Diagnostic ServicesNo charge—no deductibleBasic ServicesDeductible, then 20%Major ServicesDeductible, then 50%Annual Benefit MaximumMaximum amount the plan will pay per calendar year$1,500 per person per calendar year,plus any maximum rollover benefitOrthodontia Not CoveredOut of Network Processing 80th UCRNeed to locate a participating, in-network provider?To locate a participating provider, visit www.vsp.com DENTAL & VISION PLAN HIGHLIGHTSPrevention first!Make sure you take advantage of your preventive dental visits. Preventive care services are not subject to the deductible and the plan covers 100% of the cost if you visit an in-network provider!9Vision- Principal / VSPYour vision coverage provides a full range of vision care services. You may receive care from any provider you choose, but your benefits are greater when you see a participating provider in the network. If you choose to receive services from an out-of-network provider, you will be required to pay that provider at the time of service and submit a claim form for reimbursement.Plan Features In-NetworkOut-of-Network ReimbursementVision ExamOnce every 12 months$10 copay Up to $45Eyeglass FramesOnce every 12 months$150 allowance Up to $70Eyeglass Lenses Once every 12 monthsSingleBifocal TrifocalLenticular$25 copay$25 copay$25 copay$25 copayUp to $30Up to $50Up to $65Up to $100Contact Lenses Once every 12 months in lieu of eyeglassesElective: $150 allowanceNecessary: $25 copayUp to $105Up to $210

Basic Term Life and AD&D Insurance (Company Paid)All full-time employees working 30 or more hours per week are automatically enrolled in the basic life benefit. While coverage is automatic, is critical that you complete a beneficiary form when first enrolling in benefits. You can change your beneficiary at any time and as frequently as needed. LIFE INSURANCEDuring your benefits enrollment, don’t forget to designate a beneficiary!10Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. Accidental death and dismemberment (AD&D) insurance provides an additional benefit if you lose your life, sight, hearing, speech, or limbs in an accident. Company Paid SummaryLife Benefit$50,000Accidental Death Benefit$50,000Spouse Life Benefit$5,000 or $10,000Reduction ScheduleBy 35% @ 65; 50% @ 70Additional BenefitsConversion, Portability, Accelerated Death Benefit, Waiver of PremiumAccelerated Benefit – If you become terminally ill and are not expected to live more than 12 months, you may request up to 50% of your life insurance amount.Waiver of Premium – Your cost may be waived if you are totally disabled for a period. Portability – You may be able to keep coverage if you leave the company, retire, or change the number of hours you work. You are required to apply to Unum within 31 days of your termination if you wish to continue your coverage. Contact Unum or the summary plan description for details.Conversion – You can convert your coverage to an individual life policy if you terminate or are no longer eligible to participate.

DISABILITY INSURANCE11Why do you need Long-Term Disability?A lengthy disability can be devastating and is more common than you may think. Long-term disability may lead to a loss of income, independence, and financial security. A disability insurance policy can help provide security when you need it most and it pays you cash benefits when you’re sick or hurt and cannot work. As an active, full-time employee of Christ The King, you are automatically enrolled for Long-Term Disability through UNUM at no cost. Why do you need Short-Term Disability? How you pay your bills if you were sick or injured temporarily? Even a short illness or injury could seriously impact your paycheck. What happens when your sick time runs out? STD replaces part of your income if you are unable to work due to an accident, illness, or if you are expecting a new addition to your family. Maternity Leave is one of the most common short-term disability claims. As an active, full-time employee of Christ The King, you are automatically enrolled for Short-Term Disability through UNUM at no cost.Plan FeaturesShort-Term Disability (100% Church Paid)Employee Benefit Amount 60% of weekly earningsMaximum Benefit Amount $2,300 per weekElimination Period (Waiting Period) 7 daysBenefit Duration 12 WeeksPre-Existing Condition Exclusion NonePlan FeaturesLong-Term Disability(100% Church Paid)Employee Benefit Amount 66 2/3% of monthly earningsMaximum Benefit Amount $10,000 per monthElimination Period 90 days Own Occupation Period 2 YearsBenefit Duration Social Security Normal Retirement Age (SSNRA)Pre-Existing Condition Exclusion 3/12*

LONG TERM CARE12As a part of your compensation package, Christ The King Presbyterian Church provides you with a Long-Term Care insurance at no cost to you! EligibilityChrist The King provides active employees who work a minimum of 30 hours per week with a Long-Term Care Insurance from Unum.Benefit Effective DateBenefit effective date is first of the month following date of hire. If you should lose eligibility status, your Long-Term Care insurance will cease at midnight on the day you become ineligible. Contact Information: For more information about your Long-Term Care insurance benefit, visit: http://www.unuminfo.com/CKPC What your PPO plan covers Employer Paid Base Plan Voluntary Buy –Up OptionFacility Benefit$2,000 per month Up to $9,000 Professional Home Benefit$1,000 per month (50%) 50% of Facility BenefitFacility Duration3 Years 3,6 or, 10 Year DurationsProfessional Homecare Duration6 Years (2 x Facility Duration) 6,12 , or 20 Year Durations (2 x Facility)Elimination Period90 Days 90 DaysLifetime Maximum$72,000 Varies Based Upon Benefit & DurationGuarantee Issue- Benefit$6,000 per Month $6,000 per MonthGuarantee Issue- Duration6 Years 6 YearsPortabilityIf group Long Term Care ends for reasons other than non-payment of premium, the insured may elect to continue the same coverage he/she has under the group plan on a direct billed basis. Election for continued coverage must be made within 60 days of the date group coverage would otherwise end. CostEmployer Paid Employee Paid / See Rating ScheduleTotal Choice HomecareIncluded as Voluntary Buy-UpOptional Buy-Up, Regardless of who cares for you in home benefits will still be payable. 5% Compound InflationIncluded as Voluntary Buy-UpOptional Buy-Up, Adds inflation protection to the benefit level, adjusted each year. Eligible Family membersSpouse, siblings, children age 18 or older, parents, grandparents (family & in-laws are eligible through age 79)Family Member Guarantee IssueN/A, Family members must complete an evidence of insurability formBenefit QualificationMust have a loss of at least 2 “activities of daily living” or have a severe cognitive impairment. Activities of Daily Living1. Eating 4. Continence2. Bathing 5. Toileting3. Dressing 6. Transferring

ADDITIONAL BENEFITS13Employee Assistance Program - 100% Company PaidLife isn’t always easy. Sometimes a personal or professional issue can affect your work, health, and general well-being. During these tough times, it’s important to have someone to talk with to let you know you’re not alone. We are pleased to offer an employee assistance program (EAP) for you and your immediate family members. Our EAP is a comprehensive resource providing access to professional assistance for a wide range of personal and work-related issues. The service is provided by Christ The King , at no cost to you, and is available to you and your immediate family members twenty-four hours a day, 365 days a year, and provides resources to help employees find solutions to everyday issues. Services include 3 face-to-face counseling or video sessions per household, unlimited phone counseling with master’s-level consultants to help with more serious issues, and online resources. Participation is voluntary and strictly confidential.Sample topics include:✓Legal and financial matters✓Work and lifestyle✓Child / elder care resources and referrals✓Stress, anxiety, depression✓Substance abuse and addiction You have options! To speak to a counselor, or to learn more about your EAP plan, simply:Call: 1-800-854-1446, orgo online: www.unum.com/lifebalance

ADDITIONAL BENEFITS14Worldwide emergency travel services are only a phone call away. When traveling for business or pleasure, in a foreign country or just 100 miles away from home, you and your family can count on getting help in the event of a medical emergency. There are no geographical, coverage maximums or pre-existing condition exclusions. (Travel must be at least 100 miles or further away from home and coverage does not cover a spouse if he/she is traveling on business) Sample services include: → Hospital admissions guarantee → Multilingual crisis management → Medically supervised transportation → Prescription replacement assistance → Emergency medical evacuation → Care for unattended minors Worldwide Travel AssistanceFull time employees who normally work 30 hours or more per week are eligible to participate in the retirement plan. Contributions made to a PCA Tax-Sheltered Retirement Plan beginning on the date of hire. Please consult with the business office to determine the amount contributed to your retirement account by the church. VSP Vision Access Program (Must be enrolled in Dental to receive discounts) As a member of Principal’s Dental program, you’re eligible for a vision discount program offered through VSP. Please note that if you enroll in the vision insurance plan, those benefits are much better than is offered by this discount program. The VSP Access savings program is available to you and your covered family members. You can save money on exams, glasses and contacts when seeing a network provider. Services and discounts include:Eye Exam- 20% Discount on the doctor’s fee once every calendar year Prescription Glasses- 20% discount on a complete pair of glasses when the same VSP doctor provided your eye exam in the last 12 months. Lens Options- Up to 20% savings on progressives and scratch resistant and anti-reflective coatings. Contact Lens Exam- 15% discount on lens fitting and evaluation.Laser Vision Correction- Special discounts available through contracted Lasik and PRK surgery facilities. PCA Retirement Plan

2022 BENEFITS ENROLLMENT BOOKLETBooklet Developed in Partnership With