Special Open Enrollment Information for Voluntary Plans

Vendors will provide links and additional educational materials in November

Open Enrollment for Voluntary Plans is from Friday, December 1, 2017 to Sunday,
December 31, 2017
The deadline to enroll for Voluntary Plans via Workday is Sunday, December 31, 2017
Elections will be effective Thursday, February 1, 2018

Summary descriptions of the new plans are listed below:

Voluntary Life Insurance (Benefit Increase)

You can now purchase additional life insurance for yourself, your spouse and your dependent children
through Standard Insurance. Voluntary life insurance is a payroll deducted benefit.

Employee: Up to $500,000, Guarantee issue: $250,000

Spouse: Up to $500,000 or 100% of the employees election, Guarantee issue: $50,000
Dependent children: Up to $10,000, Guarantee issue: $10,000

To find out more about additional and dependent life insurance through the Standard,
visit www.standard.com.

Voluntary Accidental Death and Dismemberment (AD&D)

You may purchase Voluntary AD&D insurance from The Standard. With Voluntary AD&D insurance,
you or your beneficiaries may receive an AD&D Insurance benefit in the event of death or
dismemberment as a result of a covered accident.

You can apply for the amount of protection you want for yourself and your family.
Employee coverage: Coverage available in increments of $10,000, to a maximum of
the lesser of $500,000 or 5 times your Annual Earnings
Spouse coverage: Coverage available in increments of $10,000, to a maximum of the lesser of
$500,000 or 100 percent of employees elected amount
Dependent children coverage: Coverage equal to the amount of Voluntary Life benefit

The amount of the Voluntary AD&D insurance benefit for loss of life is equal to the coverage amount
that you select. For other covered losses, a percentage of the Voluntary AD&D insurance in effect on
the date of the covered accident will be payable.

To determine how much Voluntary AD&D insurance coverage you may need, and to learn more about
the details of your coverage, including features and benefits, costs, exclusions, limitations and benefit
reductions, review the Coverage Highlights at www.standard.com.

Voluntary Short Term Disability

A disability is an illness or injury that prevents you from working and receiving normal earnings. We
now offer our employees the opportunity to apply for Voluntary Short Term Disability insurance from
Standard Insurance Company (The Standard). Group Short Term Disability (STD) insurance helps
provide financial protection for insured members by promising to pay a weekly benefit in the event of a
covered disability. If you suffer from an accident or a sickness, Voluntary Short Term Disability is
designed to cover you during a disability thats shorter than 26 weeks, including recovering from birth.

Benefit: 70% of your insured pre-disability earnings (reduced by deductible income from other
sources) up to the selected maximum per week.
Elimination period: Multiple options available. The cost of your coverage is determined by the
option you select.
Benefit duration: Up to 26 weeks.

To learn more about the details of your coverage, including features and benefits, costs, exclusions,
limitations and benefit reductions, review the Voluntary Short-Term Disability Coverage Highlights
atwww.standard.com.

Voluntary Long Term Disability

Long Term Disability (LTD) pays a benefit in the event that you cannot work because of illness or injury.
The LTD benefit replaces a portion of your monthly income, providing funds directly to you.

Benefit: 60% of your insured pre-disability earnings (reduced by deductible income from other
sources) up to $6,000 per month. Minimum benefit of $100 per month.
Elimination period: 180 days.
Benefit duration: Social security normal retirement age.

To learn more about the details of your coverage, including features and benefits, costs, exclusions,
limitations and benefit reductions, review the Voluntary Long-Term Disability Coverage Highlights
atwww.standard.com.

Voluntary Accident Insurance

You may purchase Accident Insurance through Colonial Life. Accident insurance helps offset unexpected
covered medical expenses, such as emergency room fees, deductibles and co-payments that can result
from a fracture, dislocation or other covered accidental injury.

Voluntary Term Life Insurance

You may purchase voluntary term life insurance through Colonial Life. Term life insurance offers a way
to provide additional coverage at affordable prices during high-need years.
Employee coverage: Benefits available in $1,000 increments from a minimum of $10,000 to a
maximum of $500,000, subject to an individuals maximum of 5.0x salary.
Spouse coverage: Benefits available in $1,000 increments from a minimum of $5,000 to a
maximum of 100% of the employee amount.
Dependent children coverage: Benefits available in $1,000 increments to a maximum of
$10,000. The maximum benefit payable to children less than 6 months of age is $1,000 regardless of the
benefit amount purchased. One rate covers all children in the same family.
Waiver of premium: Based on employees* total disability that occurs before age 65, lasts to age
65 or retirement with a 270-day elimination period.
*Total disability means unable to perform any occupation.
To find out more about Accident or Term Life Insurance through Colonial Life,
visit www.coloniallife.com.

Voluntary Critical Illness Insurance

Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered illness or
condition on or after your coverage effective date. You have the option to elect Critical Illness
Insurance to meet your needs through Voya Financial. Critical Illness Insurance is a limited benefit policy.
It is not health insurance and does not satisfy the requirement of minimum essential coverage under the
Affordable Care Act.

Features of Critical Illness Insurance include:

Guaranteed Issue: No medical questions or tests are required for coverage
Flexible: You can use the benefit payments for any purpose you like
Payroll deductions: Premiums are paid through convenient payroll deductions
Portable: If you leave your current employer or retire, you can take your coverage with you

To find out more about Critical Illness Insurance through Voya Financial, visit www.voya.com.