You’re the one that we want!

1. You’re the one that we want! 2014 Open Enrollment and Benefit Presentation

2. What are we covering today? • Healthcare Reform and how it impacts you? • Immanuel Benefits • What’s new for Immanuel? • Wellness Reward • How to make changes • Due Date – November 22nd, 2013 – 4:00 p.m.

3. Healthcare reform and how it impacts you • If you are eligible for Immanuel Benefits… • You and dependents are NOT eligible for a subsidy/discount • Cost of similar Marketplace plan: Immanuel EE+Child- $310.00/month $1500/$3000 deductible Marketplace EE+Child- $736.57/month $2000/$4000 deductible and limited provider list • Eligible for Immanuel’s contribution towards insurance premiums and H.S.A • Eligible for tax break

4. Did you know…Immanuel has all of these benefits? • Medical Insurance with max out of pocket $773/$1546 after HSA contribution • Dental with Adult/Child Orthodontia plus Vision Benefits • Life Insurance – Company pays 1X’s your annual salary • Income protection through ST/LT Disability coverage • Accident Insurance • Cancer Insurance policy • Flexible Spending Accounts for dependent and medical expenses • EAP • Financial/Legal Resources • 401(k) with 3% annual contribution and 50% match on your first 6% contributed • PTO • Holidays: 6 plus 2 floaters!

5. Did you know…There is More? • Helping Hands Assistance Fund • Living the Mission PTO Fund • Adoption Assistance Program • Employee Discounts • Identity Theft Insurance • Wellness Program – • Weekly education/snacks • Fitness Centers • Tuition Reimbursement • FT - $3,000 • PT - $1500 • FREE Parking • CHRIST Centered Organization • 93% say they Enjoy their Work • Leaders value people as their most important resource • Top 5 Best Places to work • Monthly Celebrations

6. Medical Insurance Changes

7. SAME Plan… …New Medical Premiums • NEW 2014 Full-Time (32+hrs/wk) Rates • EE Only $49.75/check • $44.78 subsidized • EE+Spouse $164/check • $147.60 subsidized • EE+Child(ren) $155/check • $139.50 subsidized • Family $186/check • $167.40 subsidized 2013 Full-Time (32+hrs/wk) Rates • EE Only $45.75/check • $41.18 subsidized • EE+Spouse $146/check • $131.40 subsidized • EE+Child(ren) $143/check • $128.70 subsidized • Family $163/check • 146.70 subsidized *Employees with a wage of $14/hour or less receive a 10% discount on medical premiums.

8. Part Time… …New Medical Premiums • New 2014 Part-Time (28-31hrs/wk) Rates • EE Only $65.25/check • $58.73 subsidized • EE+Spouse $214/check • $192.60 subsidized • EE+Child(ren) $202/check • $181.80 subsidized • Family $242/check • $217.80 subsidized 2013 Part-Time (28-31+hrs/wk) Rates • EE Only $60.00/check • $54.00 subsidized • EE+Spouse $190/check • $171.00 subsidized • EE+Child(ren) $184/check • $165.60 subsidized • Family $212/check • $190.80 subsidized *Employees with a wage of $14/hour or less receive a 10% discount on medical premiums.

9. What’s New

10. Best Care EAP • Best Care EAP • Short – term Counseling up to 5 sessions • Confidential • Website resources and webinars • Must be 19 yrs of age • Employed by Immanuel or eligible dependent • Legal and Financial Services • Free Initial Consultation & discounted rates • “Do It Yourself” Legal Forms/Document Preparation & Financial Calculators

11. Coventry Mobile App Coventry has a new Mobile App! • Secure access to view, email and fax your: • ID Card • Provider search to obtain participating network Dr’s, hospitals and urgent care centers • Current medications • Allergy and immunization details • Emergency contact info • Surgery and procedure history • Family history details

12. H.S.A Maximum Contribution Limits 2013 • Employee Only • $3,250 • Employee Plus/Family • $6,450 • Catch-up (age 55+) • $1,000 2014 • Employee Only • $3,300 • Employee Plus/Family • $6,550 • Catch-up (age 55+) • $1,000 *Catch-up contributions can be made any time during the year in which the H.S.A participant turns 55

13. Wellness Reward 2014 Immanuel’s H.S.A. contributions become the 2014 Wellness Reward if - • Completed Health Risk Assessment • Completed Biometric Screenings • Completed Tobacco Affidavit • Started employment or insurance after July 1, 2013 Receive $14.50/ck

14. Wellness Reward 2015 Immanuel’s H.S.A. contributions become the 2015 Wellness Reward if - • Complete Health Risk Assessment • Complete Biometric Screenings • Complete Tobacco Affidavit • Complete and earn 100 Points Receive $Reward$

15. Immanuel $1 for $1 Match 2013 Employee Only - $350* Family - $700* *Amount is prorated based on eligibility date 2014 Employee Only - $350* Family - $1077*

16. Total H.S.A Contributions by Immanuel Wellness Reward Completed or New Participant (After July 1, 2013) Employee - $727 Family - $1,454

17. Total H.S.A Contributions by Immanuel NO Wellness Reward! Employee - $350 Family - $1,077 Eligible for match only!

18. Total Out of Pocket with Contributions from Immanuel Employee - $773 Family - $1,546 That cuts your deductible almost in half!

19. Short-Term Disability • Must be employed for One Year before benefit Eligible. • Three (3) week waiting period before benefits begin once eligibility period is met. • Years 1 to 10 years – eligible for 5 weeks of pay at 60% following waiting period. • Years 11 plus – eligible for 9 weeks of pay at 60% following waiting period.

20. University Partnership Bellevue University has partnered with Immanuel to offer us: • A dedicated Learning Strategist • Streamlined enrollment process • Application fee waived for Immanuel employees • The University will defer payment of tuition and fees up to 45 days following end of the class/session. *Approval for the deferral program is contingent upon completion of all required documents.

21. Federal Educ Program FYI… Public Service Loan Forgiveness (PSLF) Program: • This program is intended to encourage individuals to enter and continue to work full-time in public service jobs. Under this program, you may qualify for forgiveness of the remaining balance due on Federal Direct Loan Program loans after you have made 120 qualifying payments while employed full-time by certain public service employers. • Immanuel qualifies as a public service employer since we are a not-for-profit, tax-exempt organization under section 501(c)(3) of the Internal Revenue Code. • Full-time employment is defined as at least an average of 30 hours per week. See flyer for additional information if you are interested.

22. Take Action - Forms • Health Savings Account Changes – complete a H.S.A change form • Flexible Spending Account holders – complete a PayFlex FSA Enrollment form • Life Insurance – You will need to complete a Change Form and an Evidence of Insurability (EOI) • 401(k) – You will need to complete a Principal 401(k) change form. ALL forms are available at Immanuelbenefits.com or your HR Manager or on the table NOW in this room.

23. Action = Changes • If you want to make a Change to your benefits – CALL the Benefit Call Center at 1-877-282-0808 DUE BY: November 22, 2013 4:00 P.M.

24. No Action = No Changes 2014 Coverage will be the same as 2013 Coverage elections (except FSA)

25. questions

26. You’re the square that I Want!