Everzinc 2024 Benefits Guide : simplebooklet.com

The benefits plan year runs fromJanuary 1st through December 31st. Unless you have a qualified change-in-status event that impacts your eligibility and the change is allowed under the terms of the insurance contract or plan document, you cannot make changes to your benefits until the next Open 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 following date 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 and the 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 Enrollment period. 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 EnrollmentEverZinc takes pride in providing a comprehensive employee benefits program, and we recognize the important role employee benefits play as a critical component of your overall compensation. We strive to maintain a benefits program that is rewarding and competitive.WHAT’S INSIDEBenefits Overview Medical Virtual Visits Health Savings Account (HSA) Dental Vision Flexible Spending Account (FSA) Health Advocate Life/AD&D Disability Employee Assistance Program Travel Assistance Program2

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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.Benefits for 20242024 Employee BenefitsKEY TERMS TO REMEMBER & PLAN DETAILSANNUAL DEDUCTIBLEThe amount you must pay each year before the plan starts paying a portion of medical expenses. All family members’ expenses count toward a health plan deductible accumulate together; 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. COPAYS 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.HDHP – A plan that has higher deductibles in exchange for lower premiums. HDHPs are compatible with Health Savings Accounts (HSA).

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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.Benefits for 20242024 Employee BenefitsSummary of CoverageMedical Coverage5Plan Features CignaIN-NETWORKHDHP Consumer Plan Choice PlanProvider Network LocalPlus PPO LocalPlus PPOHSA Compatible? YES NOMedical Deductible(Individual / Family)$3,200 / $6,400 (embedded deductible)$2,000 / $4,000(embedded deductible) Coinsurance (Member Responsibility) 20% after deductible 30% after deductibleMedical Out-of-Pocket Maximum (Individual / Family)$6,400 / $12,800(Includes deductible and coinsurance)$4,000 / $8,000(Includes deductible, coinsurance, and copays)Preventive Care No Charge No ChargeVirtual Visits (Telehealth) 20% after deductible $25 copayPrimary Care Visit 20% after deductible $25 copaySpecialist Visit 20% after deductible $35 copay Diagnostic Lab & X-Ray 20% after deductible No ChargeComplex Imaging 20% after deductible 30% after deductibleOutpatient Procedure 20% after deductible 30% after deductibleInpatient Stay 20% after deductible 30% after deductibleEmergency Room 20% after deductible$100 copay per visit + 30% coinsurance; deductible does not applyUrgent Care 20% after deductible $50 copayRetail Pharmacy (30-day supply) -Generic (Tier 1) -Preferred Brand (Tier 2) -Non-Preferred Brand (Tier 3) 20% after deductible$10 copay$30 copay$50 copayMail Order Pharmacy (90-day supply) 20% after deductible $30 / $90 / $150 OUT-OF-NETWORKMedical Deductible(Individual / Family)$6,400 / $12,800 $4,000 / $8,000Coinsurance (Member Responsibility) 40% after deductible 50% after deductibleMedical Out-of-Pocket Max (Individual / Family)$12,800 / $25,600 $8,000 / $16,000Retail & Mail-Order Pharmacy Not Covered Not Covered Emergency Room (must be true emergency)20% coinsurance after deductible(Covered same as in-network)$100 copay per visit + 30% coinsurance; deductible does not apply(Covered same as in-network)Cost Per Pay Period Bi-Weekly (26) HDHP Consumer Plan Choice PlanEmployee Only$35.62 $98.55Employee + Spouse$78.35 $216.82Employee + Child(ren)$67.67 $187.25Employee + Family$128.81 $305.51

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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.Benefits for 20242024 Employee BenefitsFrom programs that help improve your health to tools that help manage your health spending, there’s so much you can do on myCigna.com or the myCigna® app.Find in-network doctors, hospitals and medical servicesManage and track claimsSee cost estimates for medical proceduresCompare quality of care information for doctors and hospitalsAccess a variety of health and wellness tools and resourcesThe myCigna website and app both have an easy, interactive health assessment to help you learn more about your health and what you can do to improve it.6

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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.Benefits for 20242024 Employee BenefitsUSER ID name@example.comPASSWORD ********* XXXXXCODE+ =Enhanced registrationWhen you register for the first time on the myCigna website or app, you’ll be required to provide a primary email address. Having an email address helps Cigna better protect the information in your myCigna account. We can send automatic alerts when you update your email or password. Your email address also can be used when you need help recovering your myCigna user ID or passwordTwo-step authenticationWith two-step authentication, you have the option of adding an extra layer of security to your myCigna account to further protect your claim, health and account information.1. First, you’ll be encouraged to add, update and verify contact information – email addresses and mobile phone numbers.2. Once you enable two-step authentication and log int to your myCigna.com account, you’ll be asked to enter your user ID and password, as well as a six-digit code that will be sent to either your email address or mobile phone number. You’ll also be offered to select “Remember this Device.” If this choice is selected, you won’t be prompted for a code each time you log in to your myCigna account from that device. Questions?If you have any questions about your myCigna account or your plan benefits, call the number on the back of your Cigna ID card. Customer service representatives are ready to speak with you 24/7/365.Now compatible with iPhone® X devicesThe Apple® Face ID® feature for iPhone X devices is a new way to unlock and authenticate your myCigna app. It’s even more convenient than the Touch ID® tool and makes authenticating fast and easy. Other iPhone users can still use Touch ID to log in to the app.** Please refer to your phone’s manufacturer for your phone’s specific capabilities. The downloading and use of the myCigna app is subject to the terms and conditions of the app and the online stores from which it is downloaded. Standard mobile phone carrier and data usage charges apply.iPhone, Apple, Face ID and Touch ID are registered trademarks of Apple Inc.All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, Cigna Behavioral Health, Inc., and HMO or service company subsidiaries of Cigna Health Corporation. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. All pictures are used for illustrative purposes only.832643 g 06/18 © 2018 Cigna. Some content provided under license.7

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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.Benefits for 20242024 Employee BenefitsKNOW BEFORE YOU GOVirtual careConvenience careclinicHealth careprovider’s officeUrgent care centerEmergency roomForminor medicalconditions. Connectwith aboard-certified doctor viavideoor phone when, whereand how it works bestfor you. Visit myCigna.com,or call MDLIVE at888.726.3171to talk with a doctor 24/7.*For minor medicalconcerns. Staffed bynurse practitioners andphysician assistants.Located in retailstoresandpharmacies. Often opennightsand weekends.The best place to go forroutine or preventive careor to keep track ofmedications.ManyPCPs offer virtualcare. Contactyour PCP to schedulean in-person or virtualcare visit.Finda PCP on myCigna.com.For conditions thataren’tlife threatening. Staffedby nurses and doctorsand usually haveextended hours.For immediate treatmentof criticalinjuries or illness.Open 24/7. If a situationseems lifethreatening,call 911 or go to thenearest ER.“Freestanding” ER locations arebecomingmore common in many areas.Because these ERs are not inside hospitals, they may look likeurgent carecenters. When youreceivecare at an ER, you’re billed ata much higher cost than at otherhealthcare facilities.•Colds and flu•Rashes•Sore throats•Headaches•Stomachaches•Fever•Allergies•Acne•Urinary tract infections(UTIs) and more•Colds and flu•Rashes or skin•conditions•Sore throats,earaches,earaches, sinuspain•Minor cuts or burns•Pregnancy testing•Vaccines•General health issues•Preventive care•Routine check-ups•Vaccines and screenings• Fever and flu symptoms•Minor cuts,sprains, burns,rashes•Headaches•Lower back pain•Joint pain•Minor respiratorysymptoms•UTIs•Sudden numbness,weakness•Uncontrolled bleeding•Seizure or loss of consciousness•Shortness of breath•Chest pain•Head injury/majortrauma•Blurry or loss of vision•Severe cuts or burns•Overdose•Costs the same orless than a visit withyour primary careprovider (PCP)• Appointments typically in•an hour or less•No need to leavehome or work•Same or lowerthan provider’soffice• No appointment needed•May charge copay/coinsurance and/ ordeductible•Usually needappointment•Short wait times•Costs lower thanemergency room (ER)• No appointment needed•Wait times vary•Highest cost• No appointment needed•Wait times may be longCigna Health Information LineA telephone service staffed by clinicians who help you understand and make informed decisions about health issues you areexperiencing, at no extra cost. These clinicians can help you choose the right care in the right setting at the right time, whetherit’s reviewing home treatment options, following up on a PCP’s appointment or finding the nearest in-network urgent care center. Just call the number on your Cigna ID card, go to myCigna.com or use the myCigna® App.*** Open 24/7. 8

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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.Benefits for 20242024 Employee BenefitsMinor medical virtual careBoard-certified doctors and pediatricians can diagnose, treat and prescribe most medications for minor medical conditions, such as:• Acne• Allergies• Asthma• Bronchitis• Cold and flu• Constipation• Diarrhea• Earaches• Fever• Headaches• InfectionsMDLIVE providers can also conduct virtual wellness screenings.Connect with virtual care your way.• Contact your in-network provider or counselor• Talk to an MDLIVE medical provider on demand on myCigna.com• Schedule an appointment with an MDLIVE provider or licensed therapist on myCigna.com• Call MDLIVE 24/7 at 888.726.3171Behavioral/Mental health virtual careLicensed counselors and psychiatrists can diagnose, treat and prescribe most medications for nonemergency behavioral/mental health conditions, such as:• Insect bites• Joint aches• Nausea• Pink eye• Rashes• Respiratory infections• Shingles• Sinus infections• Skin infections• Sore throats• Urinary tract infections• Addictions• Bipolar disorders• Child/Adolescent issues• Depression• Eating disorders• Grief/Loss• Life changes• Men’s issues• Panic disorders• Parenting issues• Postpartum depression• Relationship and marriage issues• Stress• Trauma/PTSD• Women’s issuesTo connect with an MDLIVE virtual provider, visit myCigna.com, locate the “Talk to a doctor or nurse 24/7” callout and click “Connect Now.” To locate a Cigna Behavioral Health provider, visit myCigna.com, go to “Find Care & Costs” and enter “Virtual counselor” under “Doctor by Type,” or call the number on the back of your Cigna ID card 24/7.Medical and behavioral/mental health virtual care is available from MDLIVE.*Availability may vary by location and plan type and is subject to change. See vendor sites for details.Cigna provides access to virtual care through national telehealth providers as part of your plan. Providers are solely responsible for any treatment provided to their patients. Video chat may not be available in all areas or with all providers. This service is separate from your health plan’s network and may not be available in all areas or under all plan types. A primary care provider referral is not required for this service.In general, to be covered by your plan, services must be medically necessary and used for the diagnosis or treatment of a covered condition. Not all prescription drugs are covered. Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. See your plan materials for costs and details of coverage, including other telehealth/telemedicine benefits that may be available under your specific health plan.All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company (CHLIC), Cigna Behavioral Health, Inc., and HMO or service company subsidiaries of Cigna Health Corporation, including Cigna HealthCare of Arizona, Inc., Cigna HealthCare of California, Inc., Cigna HealthCare of Colorado, Inc., Cigna HealthCare of Connecticut, Inc., Cigna HealthCare of Florida, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Indiana, Inc., Cigna HealthCare of St. Louis, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of New Jersey, Inc., Cigna HealthCare of South Carolina, Inc., Cigna HealthCare of Tennessee, Inc. (CHC-TN), and Cigna HealthCare of Texas, Inc. Policy forms: OK–HP-APP-1 et al. (CHLIC); OR–HP-POL38 02-13 (CHLIC); TN–HP-POL43/HC-CER1V1 et al. (CHLIC), GSA-COVER, et al. (CHC-TN). The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.937207 b 08/20 © 2020 Cigna. Some content provided under license.10

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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.Benefits for 20242024 Employee BenefitsHealth 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 your responsibility to notify HR if you are not eligible for HSA.How does it work?The HDHP Consumer Plan 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 youreligible dependents on a tax-free basis. Contributions to the HSA are funded with pre-tax deductions withheld from your paycheck. The funds are depositedinto an interest-bearing account in your name. The money in the HSA can be used to reimburse eligible expenses notcovered by your insurance plan, including the deductible, coinsurance, and copays. Any money not used for medicalreimbursement remains in the account. In the event you leave Everzinc, 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 LIMITS**2024 Max Contribution(Employer + Employee)Annual EmployerContributionHow much YOUcan contribute in 2024Employee Only$4,150 $1,000 $3,150Employee + Spouse$8,300 $1,250 $7,050Employee + Child(ren)$8,300 $1,250 $7,050Employee + Family$8,300 $1,500 $6,800Catch-Up Contribution Employees Age 55+ may be eligible to contribute an additional $1,000**You are responsible for tracking your contributions to ensure youdo not exceed the maximum allowable contribution.11

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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.Benefits for 20242024 Employee BenefitsDental CoverageSummary of CoveragePlan Features CignaProvider Network Total Cigna DPPOIN-NETWORK Base DPPO Buy-Up DPPOCalendar Year Maximum$1,750 $1,750 Annual Deductible (Individual / Family) $50 / $150 $50 / $150 What You Owe: Class I: Preventive & Diagnostic Care•Routine Exam (2 per calendar year)•Routine Cleanings (2 per calendar year)•Bitewing X-rays (2 per calendar year)0%, No Deductible 0%, No DeductibleClass II: Basic Restorative Care•Simple extractions•Fillings•Periodontics & Endodontics20% after deductible 20% after deductibleClass III: Major Restorative Care •Crowns •Bridges •Dentures 50% after deductible 50% after deductibleClass IV: Orthodontia (Adults & Children) Not Covered 50% after deductibleOrthodontia Lifetime MaximumN/A $1,500Class IX: Implants50% after deductible 50% after deductibleImplant Maximum$1,750 $1,750OUT-OF-NETWORK Base DPPO Buy-Up DPPOOut-of-Network Claim Payment Basis 90th Percentile 90th Percentile Your Cost Per Pay Period Bi-Weekly (26) Bi-Weekly (26)Employee$2.53 $3.81Employee + Spouse$5.13 $7.70Employee + Child(ren)$5.50 $8.58Employee + Family$7.35 $12.3712

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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.Benefits for 20242024 Employee BenefitsVision CoverageSummary of Coverage13Plan FeaturesCignaIn-Network Out-of-Network ReimbursementProvider NetworkCigna Vision PPOVision Exam $10 copay Up to $45Prescription Lenses* Single $20 copay Up to $40Bifocal $20 copay Up to $65Trifocal $20 copay Up to $75Lenticular $20 copay Up to $100Additional Savings: minimum of 20% on all additional lens enhancements you choose for your lensesFrames $130 allowance Up to $71Contact Lenses*Elective: $130 allowance Therapeutic: Covered at 100%Elective: Up to $105Therapeutic: Up to $210Frequency (frequency period begins on January 1)Exam Every 12 MonthsLenses Every 12 MonthsContacts Every 12 MonthsFrames Every 24 MonthsYour Per Pay Period Cost Bi-Weekly (26)Employee$2.02Employee + Spouse$3.79Employee + Child(ren)$3.81Employee + Family$6.13*Benefit includes coverage for contacts or glasses, not both.

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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.Benefits for 20242024 Employee BenefitsFlexible Savings Accounts14What is a Flexible Spending Account (FSA)?FSAs provide you with an important tax advantage that can help you pay health care and dependent care expenses on a pre-tax basis. By anticipating your family’s health care and dependent care costs for the next plan year, you can lower your taxable income.Eligible ExpensesEligible health care expenses for the Health Care Reimbursement FSA include more than just your deductible and copayments.The IRS publishes a detailed annual list of qualified eligible expenses. Please see the FSA enrollment kit for a sample of eligibleexpenses. You can also visit the website www.irs.gov/publications/p502/index.html.“Use it or Lose it”According to IRS regulations, the money you contribute to the FSA must be used for expenses incurred during the plan year inwhich you make the election. Our plan has a grace period through March 15, 2025, during which you can continue to use funds set aside in the previous plan year. Any money not used after this time will be forfeited. Please visit www.irs.gov for additional information about Flexible Spending Accounts.The Health Care FSA lets you pay for certain IRS-approved medical care expenses not covered by your insurance plan with pre-tax dollars. For example, cash that you now spend on deductibles, copayments, or other out-of-pocket medical expenses can instead be placed in the Health Care FSA pre-tax, to pay for these expenses. The annual maximum contribution for 2024 to theHealth Care Reimbursement FSA is $3,200. Funds contributed towards the Healthcare FSA are front-loaded. Eligible dependent care expenses include the cost of licensed childcare facility, nursery or preschool, and the cost of an adultDependent’s care inside or outside of your household. Funds contributed towards Dependent Care FSAs are not front-loaded. Keep these things in mind: • $5,000 annual maximum per household or $2,500 if married and filing separate tax returns.• To qualify, you and your spouse must be employed, or your spouse must be a full-time student or looking for work.• Record expenses for dependent children under age 13 who you claim on your taxes or a disabled spouse/dependent of any age.• If dependent care expenses are reimbursed from your Dependent Care FSA, these expenses cannot be claimed as a dependent care tax credit on your federal tax return.Healthcare FSADependent Care FSALimited Purpose FSAEmployees are not allowed to contribute to both a health savings account (HSA) at the same time as a standard (non-limited)health flexible spending account (FSA). They are, however, eligible for an HSA if they use a limited-purpose FSA for their dental and vision care needs. This will allow you to maximize your savings and tax benefits. Funds contributed towards Limited Purpose FSAs are front-loaded.

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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.Benefits for 20242024 Employee BenefitsGroup Term Life / AD&D InsuranceSummary of Coverage16Group Term Life and AD&D (Employer Paid)Plan Features Employer Paid Term Life and AD&DEmployee Life Benefit 2x Annual Salary up to $500,000Employee AD&D Benefit 2x Annual Salary up to $500,000Spouse Life Benefit $10,000Child(ren) Benefit $5,000Included BenefitsAccelerated Death Benefit, Conversion, Portability, & Waiver of PremiumThe following benefit reduction schedule shows how much benefits are reduced at certain ages:Age Benefit reduces to:70 50%Accelerated Death Benefit – If you become terminally ill and are not expected to live more than 12 months, you may request up to 80% of your life insurance amount not to exceed $400,000. Conversion – If you retire, reduce your hours or leave Everzinc, you may be eligible to take your coverage with you. You will be required to apply to Mutual of Omaha within 31 days of your termination if you wish to continue your coverage. Contact Mutual of Omaha or the summary plan description for details.Waiver of Premium – If it is determined that you are totally disabled, your life insurance benefit will continue without payment of premium, subject to certain conditions. Who Is Eligible:• All Active, full-time, regular employeesBenefits You Receive:• Everzinc provides every eligible employee with group term life and AD&D insurance equal to 2x your annual salary at no cost to you. Coverage is automatic and does not require an election though beneficiary designation is required. Designating a Beneficiary: You must name a person(s) or entity to receive benefits in the event of your death. The beneficiary designation applies to your group term life and AD&D and voluntary life AD&D insurance. Log into ADP to update your beneficiary information. If you have questions, contact Human Resources. You can update your life insurance beneficiary at any time throughout the year and as many times as needed.

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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.Benefits for 20242024 Employee BenefitsVoluntary Life / AD&D InsuranceSummary of Coverage• • 17*Guarantee Issue is for newly eligible employees only. Late enrollments, employees increasing current elections, or employees who decide to enroll, must complete an evidence of insurability (EOI) for enrolled amounts. Guarantee Issue is subject to carrier restrictions and guidelines. You, as the employee, must elect coverage for yourself to elect for your spouse and/or child(ren).Designating a Beneficiary: You must name a person(s) or entity to receive benefits in the event of your death. The beneficiary designation applies to your group term life and AD&D and voluntary life AD&D insurance Log into ADP to update your beneficiary information. If you have questions, contact Human Resources. You can update your life insurance beneficiary at any time throughout the year and as many times as needed. Coverage Provided ForVoluntary Term Life and AD&D (Employee Paid) Guaranteed Issue Amount*(new hires underage 70 only)Minimum MaximumIncrement AvailableEmployee $10,0005x’s Annual Salary up to $500,000Units of $10,0005x’s annual salary up to $100,000Spouse $5,000100% of employee’s benefit up to $250,000Units of $5,000100% of employee’s benefit up to $25,000Child(ren)(up to age 26)$1,000100% of employee’sbenefit up to 10,000$1,000100% of employee’sbenefit up to 10,000Included BenefitsAccelerated Death Benefit, Conversion, Portability, Waiver of Premium, & Annual Benefit Amount IncreaseThe following benefit reduction schedule shows how much benefits are reduced at certain ages:Age Benefit Reduces To:70 50%Annual Benefit Increase – If you are enrolled in coverage, you can increase your benefit amount each year by up to $20,000, up to the guaranteed issue amount, without EOI. Accelerated Death Benefit – If you become terminally ill and are not expected to live more than 12 months, you may request up to 80% of your life insurance amount not to exceed $400,000. Conversion – If you retire, reduce your hours or leave Everzinc, you may be eligible to take your coverage with you. You will be required to apply to Mutual of Omaha within 31 days of your termination if you wish to continue your coverage. Contact Mutual of Omaha or the summary plan description for details.Waiver of Premium – If it is determined that you are totally disabled, your life insurance benefit will continue without payment of premium, subject to certain conditions.

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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.Benefits for 20242024 Employee BenefitsVoluntary Life / AD&D Insurance RatesTo determine your bi-weekly deduction for Spouse coverage, use the chart below. First, locate the benefit amount you want. Second, find their age bracket (based on your spouse’s age). The premium amount is found in the box where the row (age bracket) and column (election amount) intersect.Example: Benefit Amount = $25,000 Employee’s Age = 35 Premium = $2.49 per pay periodNote: This is an estimate of premium cost. Actual deductions may vary slightly due to rounding. 18To determine your bi-weekly deduction for Employee coverage, use the chart below. First, locate the benefit amount you want. Second, find your age bracket. The premium amount is found in the box where the row(age bracket) and column (election amount) intersect.Example: Benefit Amount = $50,000 Age = 42 Premium = $7.62 per pay period*Regardless of how many children you have, they are included in the “All Children” premium amounts listed.EMPLOYEE PREMIUM TABLE (26 PAYROLL DEDUCTIONS PER YEAR)Age $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000$100,0000 - 29$0.86 $1.72 $2.58 $3.43 $4.29 $5.15 $6.01 $6.87 $7.73 $8.5830 - 34$0.86 $1.73 $2.59 $3.45 $4.32 $5.18 $6.04 $6.90 $7.77 $8.6335 - 39$1.09 $2.18 $3.27 $4.36 $5.45 $6.54 $7.62 $8.71 $9.80 $10.8940 - 44$1.52 $3.05 $4.57 $6.09 $7.62 $9.14 $10.66 $12.18 $13.71 $15.2345 - 49$2.22 $4.44 $6.66 $8.88 $11.10 $13.32 $15.54 $17.76 $19.98 $22.2050 - 54$3.31 $6.63 $9.94 $13.26 $16.57 $19.88 $23.20 $26.51 $29.82 $33.1455 - 59$5.56 $11.12 $16.68 $22.25 $27.81 $33.37 $38.93 $44.49 $50.05 $55.6260 - 64$6.16 $12.31 $18.47 $24.63 $30.78 $36.94 $43.10 $49.26 $55.41 $61.5765 - 69$10.26 $20.53 $30.79 $41.06 $51.32 $61.59 $71.85 $82.12 $92.38 $102.6570 - 74$18.03 $36.06 $54.10 $72.13 $90.16 $108.19 $126.23 $144.26 $162.29 $180.3275+$67.60 $135.20 $202.80 $270.41 $338.01 $405.61 $473.21 $540.81 $608.41 $676.02SPOUSE PREMIUM TABLE (26 PAYROLL DEDUCTIONS PER YEAR)Age $5,000$10,000$15,000$20,000$25,000$30,000$35,000$40,000$45,000$50,0000 - 29$0.41 $0.82 $1.23 $1.63 $2.04 $2.45 $2.86 $3.27 $3.68 $4.0830 - 34$0.41 $0.82 $1.23 $1.64 $2.05 $2.46 $2.88 $3.29 $3.70 $4.1135 - 39$0.50 $1.00 $1.50 $1.99 $2.49 $2.99 $3.49 $3.99 $4.49 $4.9840 - 44$0.65 $1.29 $1.94 $2.58 $3.23 $3.88 $4.52 $5.17 $5.82 $6.4645 - 49$0.91 $1.81 $2.72 $3.63 $4.54 $5.44 $6.35 $7.26 $8.16 $9.0750 - 54$1.31 $2.62 $3.93 $5.24 $6.55 $7.86 $9.18 $10.49 $11.80 $13.1155 - 59$2.09 $4.17 $6.26 $8.34 $10.43 $12.52 $14.60 $16.69 $18.78 $20.8660 - 64$3.08 $6.16 $9.24 $12.32 $15.41 $18.48 $21.57 $24.65 $27.73 $30.8165 - 69$5.14 $10.27 $15.41 $20.54 $25.68 $30.81 $35.94 $41.08 $46.21 $51.3570 - 74$9.02 $18.04 $27.06 $36.08 $45.11 $54.12 $63.15 $72.17 $81.19 $90.2175 - 89$33.82 $67.64 $101.46 $135.28 $169.10 $202.92 $236.74 $270.55 $304.38 $338.1990+$33.59 $67.18 $100.77 $134.35 $167.94 $201.53 $235.12 $268.71 $302.30 $335.88ALL CHILDREN PREMIUM TABLE (26 PAYROLL DEDUCTIONS PER YEAR)*$1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000$0.05 $0.09 $0.14 $0.18 $0.23 $0.28 $0.32 $0.37 $0.42 $0.46

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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.Benefits for 20242024 Employee BenefitsDisability Insurance19Plan FeaturesShort-Term Disability (Employer-Paid)Employee Benefit Amount 66 2/3% of before-tax weekly earningsMaximum Weekly Benefit Amount $3,571 per weekElimination Period (Waiting Period)Accident: 0 DaysSickness: 7 DaysBenefit Duration 26 WeeksPre-Existing Condition Exclusion NoneWhy 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 Everzinc, you are automatically enrolled for Short-Term Disability through Mutual of Omaha at no cost. Plan FeaturesLong-Term Disability(Employer-Paid)Employee Benefit Amount 60% of before-tax monthly earningsMaximum Benefit Amount $10,000 per monthElimination Period 180 days Own Occupation Period 2 YearsBenefit DurationIf disabled prior to age 62: Age 65, SSNRA, or 3.5 years, whichever is longestAge 62+: Benefit period will be based on a reduced duration schedulePre-Existing Condition Exclusion 3/12*Why 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 Everzinc, you are automatically enrolled for Long-Term Disability through Mutual of Omaha at no cost. *A pre-existing condition is one for which you have received medical treatment, consultation, care or services including diagnostic measures, or if you were prescribed or took prescription medications in the predetermined time frame prior to your effective date of coverage. The pre-existing condition under this plan is 3/12 which means any condition that you receive medical attention for in the 3 months prior to your effective date of coverage that results in a disability during the first 12 months of coverage, would not be covered.

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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.Benefits for 20242024 Employee BenefitsEmployee Assistance Program20The Employee Assistance Program can help with: •Emotional well-being•Family and relationships•Legal and financial matters•Work and lifestyle transitions•Grief, loss, and life adjustments•Relationship/martial conflicts•Stress, anxiety, depression•Substance abuse and other addictions•Online support and moreOur EAP is a comprehensive resource providing access to professional assistance for a wide range of personal and work-related issues. The service 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 unlimited phone counseling with master’s-level consultants to help with more serious issues, and online resources. Participation is voluntary and strictly confidential. You have options! To speak to a counselor, or to learn more about your EAP plan, simply:Call: 1-800-316-2796, orgo online: www.mutualofomaha.com/eap

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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.Benefits for 20242024 Employee Benefits21Will Preparation Additional Benefits (100% Employer Paid)Worldwide 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:Worldwide Travel AssistanceCreating a will is an important investment in your future. It specifies how you want your possessions to be distributed after you pass away. Whether you’re single, married, have children, or you’re a grandparent, your will should be tailored for your life situation. That’s why it’s good that you have access to FREE online will preparation services provided by Epoq, Inc.Epoq provides the following FREE documents: ➢ Last Will and Testament➢ Power of Attorney➢ Healthcare Directive➢ Living Trust Here’s how it works: 1. Log onto www.willprepservices.com and use code MUTUALWILLS to register2. Answer simple questions and customize your document in real time3. Download, print, and share your documents instantly 4. Don’t forget to update your documents with any major life changes, including marriage, divorce, and birth of a child5. Make the document legally binding – check with your state for requirementsIdentity Theft AssistanceIdentity Theft Assistance helps you and your dependents understand the risks of identity theft, learn how to prevent it, and most importantly, assist you if your information is compromised. Services include: Pre-Trip Assistance ➢ Travel, health advisories, and inoculation requirements for foreign countries➢ Daily Foreign currency exchange rates➢ Consulate and embassy locations Emergency Travel Support Services➢ 24/7 access to telephonic translation services➢ Assistance with lost, stolen, or delayed baggage while traveling on a common carrier➢ Emergency payment and cashMedical Assistance ➢ Help locating medical providers➢ Transportation home for further treatment – in the event of death, assist in the return of mortal remains➢ Coordination with your health insurance carrier during a medical emergencyAWARENESS & EDUCATION➢ Promoting awareness of identity theft➢ Answering your questions about ID theft➢ Education on how to avoid having your identity stolen RECOVERY ASSISTANCE➢ Connecting you to fraud departments at your bank and credit card companies➢ Facilitating access to credit bureaus and obtaining a complimentary credit report➢ Guidance contacting federal and local law enforcement agencies and filing reports and complaints

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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.Benefits for 20242024 Employee BenefitsContact Information22Carrier Name Group # Website Phone NumberMedical/RXCigna631441 www.myCigna.com (best to register)1.Find a doctor, dentist, or facility2.Log-in, or search ‘Plans through employer’3.Enter address, city, or zip code4.Select doctor by type, name, or facility5.Select a Plan/Network: LocalPlus PPO (both plans)(800) 244-6224DentalCigna631441www.myCigna.com (best to register)1.Find doctor, dentist, or facility2.Log-in, or search ‘Plans through employer’3.Enter address, city, or zip code4.Select doctor by type - Dentist5.Enter your zip code or address to find a provider near you6.Select a Plan/Network: Total Cigna DPPO (both plans)(800) 244-6224VisionCigna 631441www.myCigna.com (best to register)1.Find doctor, dentist, or facility2.Select ‘Additional Resources’3.Select ‘Cigna Vision Directory’4.Enter search criteria(800) 244-6224Health Savings AccountWex26355 www.customerservice@wexhealth.com (866) 451-3399Flexible Spending Accounts Wex26355 www.customerservice@wexhealth.com (866) 451-3399Health AdvocateBenefit Advocacywww.healthadvocate.com/members (866) 695-8622Group Life and AD&DMutual of OmahaG000BTPM www.mutualofomaha.com (800) 775-8805Voluntary Life and AD&DMutual of OmahaG000BTPM www.mutualofomaha.com (800) 775-8805DisabilityMutual of OmahaG000BTPM www.mutualofomaha.com (800) 877-5156Employee Assistance ProgramMutual of Omahawww.mutualofomaha.com/eap (800) 316-2796AXA Travel AssistanceMutual of OmahaWithin US: (800) 856-9947Outside US: (312) 935-3658

Everzinc 2024 Benefits Guide

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