Yezak 2024-2025 Benefits Presentation : simplebooklet.com

The benefits plan year runsJune 1st, 2024, through May 31st, 2025. Unless you have aqualified change-in-status event that impacts your eligibility and the change isallowed under the terms ofthe insurance contract or plan document, you cannot make changes to your benefits until the next OpenEnrollment 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 1st of the month following 60 days of 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 EnrollmentYezak Technical Staffing takes pride in providinga comprehensive employee benefits program,and we recognize the important role employeebenefits play as a critical component of youroverall compensation. We strive to maintain abenefits program that is rewarding and competitive.WHAT’S INSIDE2Employee Resources Employee Contributions Medical Dental Vision Life/AD&D Additional Benefits

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EMPLOYEE RESOURCESEMPLOYEE CONTRIBUTIONS (Weekly)Plan Features Employee Employee +SpouseEmployee +Child(ren)FamilyMEDICAL—BlueCross BlueShield$6,000 HDHP HSA (MMH1022) $38.89 $205.69 $150.24 $317.04$5,000 PPO (MMB422) $72.15 $282.14 $212.33 $422.33$3,000 PPO (MM4522) $93.16 $330.45 $251.56 $488.85DENTAL—Sun Life FinancialDental Low PPO $2.51 $5.08 $9.75 $12.31Dental High PPO $7.76 $15.71 $21.30 $29.25VISION—Sun Life Financial Vision Plan $2.15 $4.09 $4.31 $6.333Based on 52 pay periods per yearCarrier Name Group # Website Phone NumberBlueCross BlueShield of TexasMedical/RX105767www.bcbstx.com1.Click “Doctors and Hospitals”2.Click “Find a Doctor or Hospital”3.Click “Get medical care”4.Select “Primary Care, Specialist, Urgent Care, Hospital, etc.”(800) 521-2227Sun Life FinancialDental931529www.slfserviceresources.com1.Click “Find a Dentist”2.Search by your Group ID3.Click “Search”(800) 442-7742Sun Life Financial Vision 931529www.slfserviceresources.com 1.Click “Vision”2.Click “Search for a VSP Provider”3.Create an Account(888) 877-7195Sun Life Financial Group Life / AD&D931529 www.slfserviceresources.com(888) 600-1600Sun Life Financial- Supplemental Accident and Critical Illness931529 www.slfserviceresources.com (888) 600-1600ComPsychWill PreparationSLF4VAS www.estateguidance.com (888) 475-3827ComPsychEmergency Travel Assistance01-AA-SUL-100101www.medservices@assistamerica.com (800) 872-1414ComPsychIdentity Theft01-AA-SUL-100101Access code 18327www.securassist.com/sunlife (877) 409-9597

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4Overview of Benefit ProgramsBenefits Funding CarrierMedicalEmployee + DependentsShared FundingBlueCross BlueShieldDental PlanEmployee + Dependents Shared FundingSun Life FinancialVision PlanEmployee + DependentsShared FundingSun Life Financial Basic Life / AD&DEmployee Only 100% Company PaidSun Life Financial Voluntary Life / AD&DEmployee Only100% Employee PaidSun Life FinancialWorksite Benefits Employee + Dependents100% Employee Paid Sun Life Financial Supplemental Benefits Employee + Dependents100% Company Paid Sun Life Financial Benefit Effective Date:1st of the month following 60 days4Yezak Technical Staffing 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.Benefits At-A-Glance

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Frequently Asked QuestionsBENEFIT TERMINATION DATEWhen do benefits end if I were no longer eligible forbenefits or when I leave the company?The date coverage ends will depend on the benefitplan. Some may end on your last day of employment,while others may continue through the last day of themonth in which you worked. Refer to your benefitsummary, contact your HR Department, or call theinsurance carrier directly to confirm the date benefitsend for each of your benefit plans.BENEFIT CONTINUATIONMay I continue my benefits if I lose coverage due to theabove-mentioned reasons?Yes, you may be eligible to continue your medical,dental and vision plans through COBRA if covered underthese plans. Please refer to the Cobra section of thisguide located in the “Legal Required Notices” section.You may be eligible for Conversion/Portability for your life, accident, critical illness, and hospital indemnity insuranceso long as you request within 31 days from youremployment termination or change to part-time status.Please refer to the respective benefit plansummaries or Summary Plan Description for additionalinformation.ACTIVELY-AT-WORK CLAUSEDo any of the benefit plans summarized in this guideinclude what is referred to an “Actively-at-Work” clause?Yes. Some plans will require that you be actively at workon the day benefits are scheduled to take effect. If youare not actively at work on mentioned date, coveragewill be delayed, and benefits will not take effect until thedate you are actively at work; this stipulation may alsoapply to your covered dependents.BENEFIT PREMIUM PAYMENTSHow do I find out how much my share of the benefitpremium cost is for the benefits I elect to enroll in?Please refer to the specific benefit pages of this guide, or the online enrollment portal to find the employee benefit cost per pay period information. How will I pay for the voluntary benefits I elect to enrollin?Once your benefits take effect, premiums associatedwith each voluntary benefit plan option you enroll in willbe deducted from your paychecks.COMPREHENSIVE PLAN DETAILSDoes this benefit guide include all plan coverage details,exclusions, restrictions, limitations, and/or otherstipulations that apply to the benefits described in thisguide?No. This guide is intended to provide benefit coverageinformation in a summarized fashion and so does notInclude all plan coverage information.For detailed coverage information, please refer to therespective benefit plan’s Summary Plan Description.NETWORKS & YOUR OUT-OF-POCKET COSTSHow do I make sure I get the best coverage?Many of your benefit plan options have provider networks. When you use doctors, other health care providers, hospitals, and facilities that are in your plan’s network you will receive the best coverage your benefit plans have to offer. Making sure that you use in-networkproviders will ensure you get the best coverage as out-of-network coverage does not provide discounts, doesnot protect you from balance billing, and may imposehigher deductibles, co-insurance, and out - of - pocketmaximums.If you receive services from out-of-network providers yourout-of-pocket costs are usually considerably higher. Thisis partly the case because you lose valuable networkdiscounts and, in addition to you not receiving adiscount, you may also be balance billed*.*Balance billing occurs when an out-of-ne twork providerbills a patient for the difference between what theybilled for services rendered and what the insurancecompany has established as th e max imum allowablecharge for th e service(s) rendered by out-of-networkproviders; depending on the type of service(s) renderedyou may be balanced billed hundreds or thousands ofdol lars m ore than what you would have been billed hadyou used an in-network provider. Why pay more? Selectfrom in-network providers and enjoy the best coverageyour plans have to offer.How do I locate in-network providers?Call the specific insurance carrier’s customer servicenumber or visit their website to locate in-networkproviders. Refer to the “Carrier Contact Information”section of this guide for instructions on how to locate In-network providers for each of the benefit plans youare enrolled in.5

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Key Terms6This is the total amount you can pay out ofpocket each calendar year before theplan pays 100 percent of coveredexpenses 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.The amount you must pay each yearbefore the plan starts paying aportion 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). These expenses are your share ofcosts 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. PPO – A network of doctors, hospitals, and other healthcare providers that only offers in-network coverage. There is out-of-network coverage available but your costs will be significantly more expense. HDHP – A plan that has higher deductibles in exchange for lower premiums. HDHPs are compatible with Health Savings Accounts (HSA).Out-of-Pocket MaximumPlan TypesCopays and CoinsuranceAnnual Deductible

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Medical – BlueCross BlueShield Plan Features BlueCross BlueShield of Texas Group #105767IN NETWORK$6,000 HDHP PPO MMH1022$5,000 PPO MMB422$3,000 PPO MM4522Deductibles(Individual / Family)$6,000 / $12,000 $5,000 / $10,000 P$3,000 / $9,000Coinsurance 0% 30% 30%Out-of-Pocket Max(Individual / Family)$6,000 / $12,000$5,600 / $10,200Pharmacy: $1,000 / $3,000$5,600 / $10,200Pharmacy: $1,000 / $3,000Preventive Care No charge No Charge No chargePrimary Care Visit No charge after deductible $40 copay $45 copaySpecialist Visit No charge after deductible $40 copay $45 copayDiagnostic Test (x-ray, blood work)No charge after deductible 30% after deductibleNo charge30% after deductibleComplex ImagingOutpatient ProcedureNo charge after deductible 30% after deductible 30% after deductibleInpatient VisitEmergency Room No charge after deductible$100 per visit + 30% after deductible$100 per visit + 30% after deductibleUrgent Care No charge after deductible $65 copay $70 copayRetail Pharmacy RX Generic/Preferred/Non-Preferred(30 Day Supply)No charge after deductibleParticipating / Non-Participating $20/$25; $40/$50; $60/$70; Specialty: $20 / $40 / $60Participating / Non-Participating $20/$25; $40/$50; $60/$70;Specialty: $20 / $40 / $60Mail Order Pharmacy / RX(90 Day Supply)No charge after deductible 3x retail copay 3x retail copayOUT OF NETW ORK $6,000 HDHP MMH1022 $5,000 PPO MMB422 $3,000 PPO MM4522Deductibles (Individual / Family)$12,000 / $24,000 $10,000 / $20,000 $6,000 / $18,000Coinsurance 30% 30%-50% 30% - 50%Out-of-Pocket Max(Individual / Family)$24,000 / $48,000$20,000 / $60,000Pharmacy: $1,000 / $3,000$16,000 / $48,000Pharmacy: $1,000 / $3,000Preventive Care30% after deductible 30% after deductible 30% after deductiblePrimary Care VisitSpecialist VisitEmergency Room No charge after deductible$100 per visit + 30% after deductible$100 per visit + 30% after deductibleUrgent Care 30% after deductible 30% after deductible 30% after deductibleRetail Pharmacy RX (30 Day Supply)No charge after deductibleNon-Participating Copay + 20% after deductibleNon-Participating Copay + 20% after deductibleThis 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.7

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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 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 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 the company, 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 ContributionEmployee Only $4,150Employee + Spouse $8,300Employee + Child(ren) $8,300Employee + Family $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. 88

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Dental – Sunlife FinancialSun Life Financial Plan Features Low PlanHigh PlanOut-of-Network Claim Payment Basis 45% off the 80th UCR 45% off the 80th UCRWhat your plan coversIn Network/Out-of-Network In Network/Out-of-NetworkCalendar Year Deductible•Individual•Family$25$75$50$150Preventative Services•Cleanings•Oral Exams•X-Rays100% 100%Basic Services•Fillings•Extractions80% 80%Major Services•Crowns•Inlays, Onlays and Veneers•Dentures•Endodontics/PeriodonticsN/A50%OrthodontiaNone 50% (children only)Annual Maximum per Covered Person$750 $1,500Lifetime Orthodontia MaximumNone $1,000This 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.9

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Vision – Sunlife Financial VSP NetworkThis 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.Plan FeaturesSun Life Financial – VSP Network In-Network Out-of-Network ReimbursementVision Exam $10 copay Up to $45Prescription Lenses*Single $10 copay Up to $30Bifocal $10 copay Up to $50Trifocal $10 copay Up to $60Lenticular $10 copay Up to $100Frames$130 allowance + 20% discount on balance over allowance($70 allowance at Costco)Up to $70Elective Contact Lenses*Conventional: $0 copay; $130 $130 allowance for elective contacts Up to $70Medically Necessary Contact LensesCovered in full for members with specific conditionsUp to $210Lasik or PRK from U.S. Laser Network15% off retail price or 5% off promotional priceN/AAdditional Pairs Benefit20% off additional glasses and sunglassesN/AFrequency (from date of last service)Exam Every 12 MonthsLenses Every 12 MonthsContacts Every 12 MonthsFrames Every 24 Months10

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Life and AD&D InsuranceSunlife Financial Sun Life Financial Plan Features Employer Paid Term Life and AD&DEmployee Life Benefit $10,000Employee AD&D Benefit $10,000Included Benefits Accelerated Death Benefit, Conversion, & Waiver of PremiumThe following benefit reduction schedule shows how much benefits are reduced at certain ages:Age Benefit Reduces by65 65%70 50%Plan Features Voluntary Term Life and AD&D (Employee Paid)Employee Benefit Amount 5 times employee salary to $500k, (whichever is less)Spouse Benefit 50% of Employee amount to $250,000Dependent Child Benefit $5,000 or $10,000 (15 days to age 25)Guarantee Issue Employee: $100,000 / Spouse: $50,000 / Child: $10,000Included BenefitsAccelerated Death Benefit, Conversion, & Waiver of PremiumThe following benefit reduction schedule shows how much benefits are reduced at certain ages:Age Benefit Reduces by:65 65%70 50%Accelerated Benefit – If you become terminally ill and are not expected to live more than 12 months, you may request a portion of your life insurance amount. Conversion – If you retire, reduce your hours or leave Yezak Technical Staffing., you may be eligible to take your coverage with you. You will be required to submit an application to Sun Life within 31 days of your termination if you wish to continue your coverage. Contact Guardian or the summary plan description for details.Waiver of Premium – If you become disabled under the terms of the contract for 9 months or longer and are no longer able to work, your life insurance will be continued, and your premiums will be waived during the period of disability. Please note: you need to apply for continued benefits under the Waiver of Premium Provisions after you cease to be Actively at Work11

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Worksite Benefits Accident InsuranceAccidents happen! Whether you suffer a concussion falling off a ladder, break your leg slipping on ice or dislocate your shoulder moving a couch, injuries can lead to costly medical care, loss of work time and various other related expenses. This insurance can helpprotect you financially in case of an accidental injury, by paying you a cash benefit. Regular medical insurance won’t cover all the expenses that result from an injury at the very least you will owe a deductible and copays. Accident insurance can help fill in those coverage gaps as you pay out-of- pocket medical bills. If you don’t want to be caught financially unprepared to handle an accident, consider accident insurance. All family members are eligible to join your benefit.Accident Insurance can help with:• Emergency Treatment• Dislocation• Fractures• Lacerations• Hospital Admission• Hospital Confinement• Intensive Care• Medical ImagingCritical Illness Insurance• Heart Attack• Stroke• Major Organs Failure• End Stage Renal• Invasive / Non-invasive cancer• Severe burns• Skin cancer• Coma• Blindness• Occ. HIV or Occ. Hepatitis B, C, or D12Critical Illness insurance helps protect employees and their families from financial loss by providing a lump-sum benefit upon diagnosis of covered condition. While health plans may cover direct costs associated with a critical illness, you can use your benefit to help with related expenses like lost income, child care, travel, deductibles and co-pays.

Yezak 2024-2025 Benefits Presentation

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