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The benefits plan year runsFebruary 1st throughJanuary 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 91ST day following your date of employment. 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 EnrollmentNew Light Church takes pride in providing acomprehensive employee benefits program,and we recognize the important roleemployee benefits play as a criticalcomponent of your overall compensation.We strive to maintain a benefits programthat is rewarding and competitive.WHAT’S INSIDEEmployee Resources Employee Contributions Medical Dental Vision Life/AD&D Long-Term Disability Employee Assistance Program Travel Assistance Program 2

EMPLOYEE RESOURCESPlan Policy Number Phone Number and WebsiteMedicalUnited Healthcare1487047(866) 414-1959www.myuhc.comDentalMutual of OmahaG000B9B4(877) 999-2330www.mutualofomaha.com/dentistVisionEyeMed9769258(866) 268-4063www.eyemedvisioncare.comLife and Voluntary Life InsuranceMutual of OmahaG000B9B4(800) 775-8805www.mutualofomaha.comLong Term Disability InsuranceMutual of OmahaG000B9B4(800) 877-5176www.mutualofomaha.comEmployee Assistance ProgramMutual of OmahaNew Light Church(800) 316-2796www.mutualofomaha.com/eapTravel Assistance ProgramAXA Assistance USANew Light Church (888) 856-9947THERE’S AN APP FOR THAT!EMPLOYEE CONTRIBUTIONS PER PAY PERIODBased on 24 pay periods per year3Plan Features Employee Employee + Spouse Employee + Child(ren) FamilyMEDICAL—United HealthcareMedical $49.48 $598.84 $413.49 $939.81DENTAL—Mutual of OmahaDental $10.87 $21.04 $25.35 $39.00VISION—EyeMedVision $2.93 $5.54 $5.83 $8.59

4“Beloved, I wish above all things that thou mayest prosper and be inhealth, even as thou soul prospereth.” 3 John 1:2Dear Employees,The benefits open enrollment season is upon us. It is time once again for you to review your benefits coverage and make your ap-propriate elections. We have worked diligently to provide you with affordable, high-value benefit options for the 2024 plan year.New Light’s contribution of 50% will remain in effect for dental and long-term disability. The church will continue to cover all full-time eligible employees for $50,000 of life and accidental death insurance and will cover the full cost. You will have the opportunityto purchase medical coverage for yourself and your dependents from United Healthcare through payroll deductions that becomes effective February 1st. New Light will contribute 86% of the costs for employee only coverage.In an ever-changing world, one thing you can count on is valuable protection and security available to you through the New LightChristian Center Church World and Outreach & Worship Centers Benefits Program. Please read through this guide to see what’savailable to you and your dependents and to learn about the programs New Light has to offer.If you have any questions about your benefits or enrollment process, please contact New Light Christian Center Church World and Outreach & Worship Centers’ Human Resources Department.We wish you good health in the coming year!Pastor Irishea HilliardDr. Irishea HilliardSenior Pastor and Chief Operating Officer New Light Christian Center Church World and Outreach & Worship Centers

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 Programs5New Light Church 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 CARRIERMedicalEmployee + DependentsShared FundingUnited HealthcareDental PlanEmployee + Dependents Shared FundingMutual of OmahaVision PlanEmployee + Dependents 100% Employee PaidEyeMedLife / AD&DEmployee Only 100% Company PaidMutual of OmahaVoluntary Life / AD&DEmployee + Dependents 100% Employee PaidMutual of OmahaLong -Term DisabilityEmployee OnlyShared FundingMutual of OmahaEmployee Assistance Program (EAP)Employee + Dependents 100% Company PaidMutual of OmahaTravel Assistance ProgramEmployee + Dependents 100% Company PaidAXA Travel Assistance

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.Medical6PLAN TYPESPPO – A network of doctors, hospitals, and other healthcare providers. You have coverage in and out of network.6

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 HIGHLIGHTS7Plan Features United Healthcare Choice Plus BCYH $3,000 80/50Deductibles(Individual / Family)You Pay $3,000 / $6,000Coinsurance(Member Responsibility)20% after deductible Out-of-Pocket Max(Individual / Family)$6,000 / $12,000Preventive Care No ChargeTelehealth / Virtual Visit $0 copayPrimary Care Visit $30 copay ($0 for kids under 19)Specialist Visit (Designated / Non-Designated) $30 copay / $60 copayDiagnostic Test (x-ray, blood work)No chargeComplex Imaging (CT/MRI, PET scan)20% after deductibleOutpatient ProcedureInpatient VisitEmergency Room $250 copay + 20% after dedUrgent Care $75 CopayRetail Pharmacy (30-day supply) $10 / $35 / $85 CopayMail Order Pharmacy / RX (90 Day Supply) 2x retail copayOUT-OF-NETWORK United Healthcare Choice Plus BCYH $3,000 80/50Deductibles (Individual / Family)$5,000 / $10,000Coinsurance(Member Responsibility)50% after deductibleOut-of-Pocket Max(Individual / Family)$10,000 / $20,000Emergency Room $250 copay + 20% after ded

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.DENTAL PLAN HIGHLIGHTS8As part of your total compensation package, New Light Christian Center Church provides you and your eligible dependents with dental insurance coverage.This is only a partial list of dental services. Frequency and age limitations may apply to certain services. Your certificate of bene- fits will provide all coverage information including anyrestrictions, limitations, and exclusions.In & Out-of-Network (You Pay)Annual Deductible (Individual/Family)$50 / $150Out-of-Network Processing90th PercentilePreventive Care (Type A Services)• Routine Exam (once every 6 months)• Routine cleanings (once every 6 months)• Routine X-rays• Fluoride treatmentNo charge (deductible waived)Basic Services (Type B Services)• Fillings• Stainless Steel Crowns• Endodontics (root canal)• Periodontics20% after deductibleMajor Services (Type C Services)• Dentures• Bridges• Inlays, Onlays, Cast Crowns• Oral Surgery50% after deductibleOrthodontia (children only)50%Orthodontia Lifetime Maximum$1,000Calendar Year Max$1,750

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.VISION PLAN HIGHLIGHTS9An annual eye exam is about much more than healthy vision. It can help youmanage your overall health and wellbeing, too. An eye exam can spot the earlysigns of serious health conditions like diabetes and high blood pressure, so you can betreated sooner, rather than later. This vision plan allows you to improve your healththrough a routine eye exam, while saving you money on your eye care purchases.Vision Coverage In-Network Frequency Out-of-NetworkExam$10 Copay 12 Months Up to $35Prescription Lenses*• Single Vision $10 copay Up to $25• Bifocal $10 copay 12 Months Up to $40• Trifocal $10 copay Up to $60• Lenticular 20% off retail price N /AFrames$120 allowance; 20% off balance24 Months Up to $48Elective Contact Lenses*$115 allowance; 15% off balance12 Months Up to $95Medically Necessary Contacts$0 copay; Paid in Full 12 Months Up to $200Additional Savings for Members:•40% off complete pair of prescription eye glasses• 20% non-prescription sunglasses.• Lasik or PRK: 15% off retail price or 5% off promotional price.*Benefit includes coverage for glasses or contact lenses, not both.Provider Network: EyeMed

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.DISABILITY INSURANCE 10Why do you need Long Term Disability Insurance?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. Adisability insurance policy can help provide security when you need it most. As anactive, full-time employee New Light Christian Center Church, offers a competitiveLong-Term Disability plan through Mutual of Omaha.Benefit Percentage 60%Monthly Maximum: $5,000Waiting Period: 90 DaysOwn Occupation 2 YearsBenefit Length: SSNRA*Pre-Existing Exclusion: 3/12***SSNRA means Social Security Normal Retirement Age**You have a Pre-Existing Condition if:• You received medical treatment, consultation, care of services including diagnostic measures, or took pre-scribed drugs or medicines in the 3-months prior to your effective date of coverage.• The disability begins in the first 12-months after your effective date of coverageDefinition of Disability:You are disabled when Mutual of Omaha determines that:• You are limited from performing the material and substantial duties of your regular occupation due to sickness or injury; AND• You have a 1% more loss in monthly (LTD) earnings due to the same sickness or injury. Please refer to the contract for additional coverage definitions and exclusions

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.LIFE INSURANCE 11Employer Paid Life / AD&DEmployee Life Insurance$50,000Employee AD&D Insurance$50,000Age Reductions65% at age 7050% at age 75What Other Benefits Are Included?Living Care/Accelerated Death Benefit• 80% of the amount of the life insurance benefit is available to you if terminally ill, not to exceed $40,000.Conversion/Portability• If you retire, reduce your hours or leave New Light Church, you may be eligible to take your coverage withyou. You can convert your group term life coverage to an individual whole life policy or port your term lifeinsurance but must submit your application to Mutual of Omaha within 31 days of termination.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.Survivor Financial Counseling• Financial advice and planning support is available through New Light Church’s EAP for beneficiaries and forcovered employees and their spouses who are terminally ill.Please refer to the contract for limitations and exclusions on group & voluntary Life & AD&D insurance.Designatinga 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 and ad&d insurance. Contact Human Resources to uNew Light Churchte your ben-eficiary information. You are able to uNew Light Churchte your life insurance beneficiary at any time throughout the year and as

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.VOLUNTARY LIFE INSURANCE 12Voluntary Employee Paid Life / AD&DMaximum Guarantee Issue*Employee: ($10,000 increments) 5x salary up to $500,000 5x salary up to $100,000Spouse: ($5,000 increments)100% of employee election up to $100,00050% of employee election up to $25,000Child(ren):$10,000 $10,000Age Reductions:*(Reduction begins plan on anniversary date.)65% at age 7050% at age 75**Guarantee Issue is available to new hires.Amounts over the Guarantee Issue will require a health application/evidence of insurability. For late entrants, all amounts will require a health application/evidence of insurability.*For example, if you are 70 and elected $50,000 of coverage, your benefit will reduce to $32,500 (calculated as$50,000 x 0.65 = $32,500). Once you reach 75 and your coverage was reduced to $32,500 at age 70, your benefit will reduce to $16,250 (calculated as $32,500 x 0.50 = $16,250). Reduction would take place February 1st of thecoinciding/upcoming plan year.Age reduction schedule includes:• Employee Voluntary coverage – govern by the employee’s age• Spouse Voluntary coverage – govern by the employee’s age not the age of the spouse• Employer Group coverage – govern by the employee’s ageWhat Other Benefits Are Included?Living Care/Accelerated Death Benefit • 80% of the amount of the life insurance benefit is available to you if terminally ill, not to exceed $40,000.Conversion/Portability• If you retire, reduce your hours or leave New Light Church, you may be eligible to take your coverage withyou. You can convert your group term life coverage to an individual whole life policy or port your term lifeinsurance but must submit your application to Mutual of Omaha within 31 days of termination.Waiver of Premium• If it is determined that you are totally disabled, your life insurance benefit will continue without payment ofpremium, subject to certain conditions.• Employee paid supplemental life insurance includes: Accelerated Death Benefit, Conversion/Portability,Please refer to the contract for limitations and exclusions on group & voluntary Life & AD&D insurance.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 and ad&d insurance. Contact Human Resources at New Light Church to update your beneficiary information. Your life insurance beneficiary can be updated at any time throughout the year and as many times as needed.

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.ADDITIONAL BENEFITS 13Employee Assistance ProgramMutual of OmahaOur EAP is a comprehensive resource providing access to professional assistance for a wide range of personaland work related issues. The service is available to you and your immediate family members twenty four hoursa day, 365 days a year, and provides resources to help employees find solutions to everyday issues. Servicesinclude unlimited phone counseling with master’s-level consultants and online resources. Participation isvoluntary and strictly confidential.Sample topics include:• Financial consultation• Alcohol or drug addiction• Selecting child care• Relationship problems /divorce• General counseling• Stress management• Selecting elder care• Career developmentTravel Assistance ProgramAXA Travel AssistanceWorldwide emergency travel services are only a phone call away. When traveling for business or pleasure, ina foreign country or just 100 miles away from home, you and your family can count on getting help in theevent of a medical emergency. There are no geographical, coverage maximums or pre-existing conditionexclusions. (Travel must be at least 100 miles or further away from home and coverage does not cover aspouse if he/she is traveling on business).Sample services include:• Hospital admissions guarantee• Multilingual crisismanagement• Medically supervised transportation• Medical referrals• Emergency medicalevacuation• Care for unattended minors• Prescription replacement