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YourBenefitsEffective January - December 2024

You must request a change to your benefitswithin 30 days of your life event (60 days forchanges involving Medicaid eligibility). Documentation may be required.Enroll nowYour benefit plans are in effect January 1 –December 31 each year. In general, there arethree times you can make benefit selections:Making benefit selectionsGetting startedEligibility Enrolling in coverageFor youYou are eligible for benefits as a full-timeemployee working at least 30 hours per week.Your Spouse or PartnerMedical, prescription, and dental benefits beginon the first day of the month following 60 days ofemployment; this is your effective date. Non-management employees become eligible for Life,STD and LTD once they have completed 5 years ofemployment with Penn Manufacturing. Be sure tosubmit your selections within your first 30 days ofbenefits eligibility. Your benefit selections will bein effect through December 31. When you're first eligible Open Enrollment is your one chance each year toreview your coverage options and make changesto your benefits.Your choices are in effect from January –December of the following year unless you have aqualifying life event. At Open Enrollment Qualifying life events allow you to change yourcoverage during the year outside of OpenEnrollment. These include:marriage or divorce, birth or adoption, death of a covered dependent, and a change in eligibility through Medicare,Medicaid, or a spouse or parent's coverage. If you have a qualifying life eventYou may also cover your eligible dependents whenyou elect coverage for yourself.Covering your familyDependent children are eligible:Medical, dental and vision: until age 26regardless of student or marital statusChild life insurance: until age 21, or 26 if afull-time studentYou may cover your legal spouse or domesticpartner.Your childrenEmployee Navigator Instructions

Balance billingWhen you use an out-of-networkmedical or dental provider, theymay bill you the difference betweenwhat they charge and the amountyour insurance pays.Medical: balance billing is inaddition to – and does not counttowards – your out-of-pocketmaximum.CoinsuranceAfter you’ve met your deductible,you’re sometimes responsible for apercentage of the cost of themedical care, dental care, orprescription medication youreceived. This percentage iscoinsurance.CopayA flat fee you pay each time youreceive a copay-eligible medical,dental, or vision service orprescription medication. DeductibleThe amount you’re responsible forpaying in care expenses before themedical or dental plan starts payingdeductible-eligible expenses.In-networkIn-network care is always yourlowest-cost option. Networks aregroups of medical, dental, andvision providers, pharmacies, andfacilities that agree to discount thecost of their care or service.Out-of-pocket maximumThe most you’ll pay for covered in-network medical care in a year. Thisincludes your deductible, anycoinsurance or copays, andprescription drugs. The out-of-pocket maximum doesnot include your premium (theamount you pay for coverage), non-covered expenses, or out-of-network care that’s been balancebilled.Primary care physicianA primary care physician (PCP) isyour main medical doctor – usuallya general practitioner (GP), familydoctor, internist, OB/GYN, orpediatrician (for children).Referral/pre-authorizationSome specialty medical providersand services require a referral froma primary doctor. These may include- but are not limited to -cardiology, psychiatry, orthopedicsurgeons, rheumatology, surgery,and imaging (CT or MRI).Have questions? Your advocate is here to help youwith all things benefits. See theircontact information on the nextpage.How to handlemedical bills (4:46)Annual NoticesWe’re required to tell you about certainrights and responsibilities you have as anemployee of Penn ManufacturingIndustries. Download nowHelpful terms & resourcesGetting startedWe've removed as much jargon as possible.But you’ll probably still encounter some terms as you enroll in and use your benefits, andwe want you to be prepared!

Medical & Rx insuranceIndependence Administrators1-844-864-4352www.ibxtpa.comDental insuranceGuardian1-888-482-7342www.guardiananytime.comTelemedicineSwiftMD1-xxx-xxx-xxxxwww.website.comLife and AD&D insuranceGuardian1-888-482-7342www.guardiananytime.comDisability insuranceGuardian1-888-482-7342www.guardiananytime.comEmployee Assistance Program (EAP)Guardian (Uprise Health)1-800-386-7055worlife.uprisehealth.comContact informationGetting startedOneDigital’s Client Advocacy Center (CAC) is here to help you withclaims, ID cards, coverage questions, and more!1-866-582-7378 Prompt 1myadvocate@onedigital.comMonday - Friday, 8:30am-5pm ESTBilingual (Spanish) assistance is availableCAC Flyer

In-network carePPO $2,000 planPPO $1,000 planPPO planAnnual Deductible (DED)Out-of-pocket maximum$2,000 per person $6,000 family max$6,600 per person $13,200 family max$1,000 per person $3,000 family max$6,600 per person $13,200 family max$0 per person$0 family max$6,600 per person $13,200 family maxPreventive carePrimary care visitSpecialist visit100% covered$40 copay deductible waived$50 copay deductible waived100% covered$20 copay$40 copay100% covered$20 copay$40 copayLab feeDiagnostic testComplex imaging$0 copay$50 copay$100 copay deductible waived$0 copay$40 copay$100 copay deductible waived$0 copay$40 copay$100 copayUrgent careEmergency roomInpatient hospital careOutpatient hospital care$15 copayDED then you pay 20%DED then you pay 20%DED then you pay 20%$15 copayDED then you pay 20%DED then you pay 20%DED then you pay 20%$15 copay$250 copay$0 copay$0 copayPrescription drugsGeneric Preferred brand Non-preferred brandSpecialty(30 days | 90 days)$20 copay | $40 copay$40 copay | $80 copay$60 copay | $120 copay$125 copay ded waived | N/A(30 days | 90 days)$20 copay | $40 copay$40 copay | $80 copay$60 copay | $120 copay$100 copay ded waived | N/A(30 days | 90 days)$15 copay | $30 copay$35 copay | $70 copay$50 copay | $100 copay$100 copay | N/AOut-of-network careAnnual deductibleCoinsuranceOut-of-pocket maximum Balance billing applies$5,000 / $15,00050%$30,000 / $90,000Balance billing applies$5,000 / $15,00050%$30,000 / $90,000Balance billing applies$4,000 / $8,00040%$7,600 / $15,200Your cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$44.39$90.64$90.64$130.23Per paycheck$57.22$116.83$116.83$167.87Per paycheck$94.55$217.14$217.14$277.42See plan detailsMedical insuranceSee plan detailsSee plan detailsMental health supportThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.All plans cover in-network preventive care at 100%, prescription drugs, andinclude an annual limit on your expenses. The differences are: what you pay for the plan, what you pay when you get care, how out-of-network care is covered, andyour annual maximum cost for care (out-of-pocket maximum).Select from three medical options through IndependenceAdministrators (IA).See your plan documents for out-of-network benefits.

Additional perksThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.There's more to love with these extra benefits. See detailsGoodRxThis is a website to help find discounts on prescriptioncosts.See plan detailsConnectCare3This is a Nurse Navigation perk that comes with themedical plan.

Access quality care in the convenience of your own home, on your lunchbreak, or on the way to your child’s soccer game! Whether it's a nagging cough, middle-of-the-night fever, or a suspicious-looking mole or rash — telehealth through SwiftMD is here when you need it.Connect with a board-certified physician 24 hours a day, 7 days a week.Your cost per visit depends on your medical plan:Telehealth: virtual health care that fits your scheduleSee plan detailsTotal wellbeing:caring for all of youSupport for your health, finances, and life.There are five ingredients to wellbeing — each is just as important as the others:The recipe to living wellConnection to your passion, the reason you get out of bed every day.PurposeFeeling connected to where you live, work and play through activities such as volunteering and mentoring.CommunityThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Social & EmotionalHealthy, supportive relationships with family, friends, and mostimportantly, yourself. Effectively managing feelings and emotions andpracticing healthy ways to manage stress and adapt to challengesPhysicalHaving good health and the energy to perform your job life outside of work, such as spending time with familyand friends, or participating in activities you enjoy. Think of physical wellbeing as nutrition, staying hydrated,getting rest, avoiding illness through vaccines, preventive screenings, and following doctors’ orders!The ability to effectively understand and plan for day-to-day expenses, short-term, and long-term goals, likepaying back student loans, saving for a house, sending children to college, retirement, or caring for agingfamily membersFinancialMental health care isessential health care.Managing work, family,relationships, and finances canbe tough.

In-network careTier 1Tier 2Out-of-NetworkNetwork name:DentalGuard PreferredPlatinumDentalGuard PreferredPlatinumAnnual Deductible (DED)$50 per person $150 family max$50 per person $150 family max$50 per person $150 family maxAnnual maximum benefit$2,000 per person $1,500 per person $1,500 per person Preventive care100% covered100% covered100% coveredBasic careDED then you pay 0%DED then you pay 20%DED then you pay 20%Major careDED then you pay 40%DED then you pay 50%DED then you pay 50%Orthodontic careCoverageLifetime maximum benefitNot coveredN/ANot coveredN/ANot coveredN/AYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$6.80$16.14$16.14$16.14See plan detailsDental insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Stay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays). All plans cover in-network preventive care at 100%. The differences are: what you pay for the plan, what you pay when you get care, the maximum amount Guardian will pay each year for dental care (annualmaximum benefit), andwhether orthodontic care is covered.Select from three dental options through Guardian.Learn about dental care categories

See plan detailsLife insurance pays a benefit if you pass away while you're covered.Accidental Death and Dismemberment (AD&D) insurance offers additionalsupport if you pass away or are seriously injured due to an accident.Financial peace of mind through Carrier.Life and AD&D insuranceWhat's AD&D?Accidental death anddismemberment (AD&D)insurance may pay:your beneficiary if you passaway due to an accidentyou a partial benefit if youlose specified bodilyfunctions (sight, limbs, etc.)Make sure to designate a beneficiary for your life insurance coverage toensure your family is cared for according to your wishes.The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Basic life and AD&D insurancePenn Manufacturing Industries provides life and AD&D insurance at no cost toyou.Life Insurance BenefitsEmployee Benefit1 X annual salary up to $100,000AD&D Benefits1 X annual salary up to $100,000Guarantee IssueUp to $100,000 per employeeConversion IssueIncludedAge Reduction35% at age 6560% at age 7075% at age 7585% at age 80

Benefits beginAccident: After 14 days of inability to workIllness: After 14 days of inability to work Coverage amount50% of your income up to $500 per weekPayments may continueUp to 11 weeks if you’re unable to return to workSee plan detailsSee plan detailsPre-existing conditionlimitations If you make a disability claimwithin the first year of beingcovered, check your plan detailsto see how pre-existingcondition limitations mightimpact your coverage.Benefits beginAfter 90 days of inability to work (once short-termdisability ends)Coverage amount50% of your income up to $6,000 per monthPayments may continueUntil your Social Security Normal Retirement Age ifyou remain unable to work.Wish you knew moreabout finances? Nowyou can - at no cost!Disability insuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Protect your paycheck with disability insurance throughGuardian.Disability coverage insures your paycheck, replacing a portion of your incomeif you’re unable to work due to a covered illness or injury.Short-term disability coverage can replace part of your paycheck if you’re unableto work for a shorter period of time. This coverage is available for purchase.Voluntary Short-term disabilityLong-term disability coverage can provide lasting income protection if youremain unable to work. This coverage is available for purchase.Voluntary Long-term disability

Employee AssistanceProgram (EAP)EAP features:Confidential. No one at Penn Manufacturing Industries will ever knowyou called or what was discussed.Available 24/7/365. Life doesn't happen during office hours. The EAP ishere when you need them.Family care is included. Anyone living in your home is eligible for EAPservices at no cost.Face-to-face visits. When needed, each person can receive up to xface-to-face (or virtual) visits with a licensed counselor per issue peryear. At no cost. Additional visits - if needed - will go through yourhealth insurance.24/7/365 access to care. 1-800-386-7055www.uprisehealth.comAccess Code: worklifeThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Our Employee Assistance Plan (EAP) is a confidential service with access toguidance and resources at no cost for: mental health concerns (including substance abuse or addiction),adoption, parenting, or caregiving needs,financial or legal support,familial relationships and friendships,coping with day-to-day challenges, andso much more.Essentially, if it's part of your life, our EAP is here for you.Access support online, through live chat, or over the phone. 24/7/365.Everyone needs support sometimes (even superheroes)Care for your mind – and your life – with support throughvendor.Confidential care designed for all that life brings.See plan details

2024 benefits