Benefits Orientation Presentation

1. Benefits Orientation Presentation

2. Today’s Agenda • Additional Benefit Options • Enrollment Checklist • MyTotalSource.com • How to Login to MyTs.com • Making Benefit Elections • Important Items to Note • Summary Plan Description (SPD) • All About ADP Totalsource • What’s Going on in the Benefits Marketplace • Health Care Options • Medical & Dental Plan Information • Vision Information • Life/STD/LTD • FSA *Click on the link of the topic that you would like to go to above Return Home

3. Medical Insurance Aetna Life and Accidental Death & Personal Loss Insurance Aetna Short and Long Term Disability Coverage Vision Insurance Dental Insurance Health Care and Dependent Care Flexible Spending Accounts (FSAs) JPMorgan Chase Health Savings Accounts (HSAs) Health Advocate Commuter Benefits CIGNA Medical Benefits Abroad Universal Life Insurance Accidental Death & Dismemberment Insurance Legal Services Auto and Home Insurance Pet Insurance Disability Income Insurance Critical Illness Plan Level Term Life Insurance Accident and Sickness Hospitalization Plan Cancer Plan Employee Service Center (ESC) My TotalSource Life’s Solutions Employee Assistance Program ADP Personal Discounts Program TotalSource University ADP TotalSource TotalBenefits Return Home

4. Why Consider TotalBenefits? • Think of your benefits package as a whole VoluntaryBenefits Automatic, No-CostBenefits Tax Savings Accounts Retirement Health Care Financial Protection Return Home

5. Being With ADP Has Its Perks… • Enhanced Benefit Package: • Multiple Medical & Dental Plan Options, Vision coverage, Life, and Disability Offerings, Flexible Spending Accounts – Health and Dependent Savings Accounts • Employee Perks include: • Employee Service Center, Employee Assistance Program, Direct Deposit in up to 3 checking accounts and 2 savings accounts, 24/7 Online Access to Personal information/Changes, Optional Supplemental Insurance, Personal discounts and much more! Your Employer continues to make decisions regarding the organization, day-to-day operations and your job responsibilities. Return Home

6. Are You Ready to Enroll? Enrollment Checklist Return Home

7. Prior to enrolling make sure you have the following information… • Have you read your benefits package? • If you are enrolling dependents, do you have their social security numbers and dates of birth? (Dependent social security numbers are now a mandatory requirement for enrolling dependents) • If you are enrolling in an HMO or Dental HMO plan, have you selected a primary care physician (PCP)? • Have you read the acknowledgement section of your benefits package? • If applicable, have you read the California Arbitration and/or the SRC Limited Benefits Disclosures? Return Home

8. MyTotalSource.com Return Home

9. About MyTotalSource.com • Log onto www.adptotalsource.com • Secure Access 24/7 • View your paycheck • View your benefits • View & change direct deposit, tax withholdings & update your personal profile • Link to the personal discount programs Return Home

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11. First Time My TotalSource Users – User Name • Your User Name is constructed by using: • Your first initial • The first seven characters of your last name and • The last four digits of your social security number. • If your last name is shorter than three characters: • Add a one (1) after the last letter of your last name to make a minimum user name of 8 characters. • Examples: Return Home

12. First Time My TotalSource Users - Password Your initial Password will be: • The first character of your first name • The six-digit file number (located in the paycheck detail section of your earnings statement) and • The first character of your last name Example: If your name is Fred Smith and your paycheck file number is 000056, your initial password will be: F000056S To protect your privacy and My TotalSource's security, you will be prompted to change your password after you log in the first time. Choose something that will be easy for you to remember but hard for others to guess. If you are unsuccessful in logging in, please call the Employee Service Center at: 800-554-1802. Return Home

13. Enrolling in Benefits via MyTotalSource.comStep 1. Click benefits link Return Home

14. Step 2. Review & Elect Your Benefits Return Home

15. Step 3. Elect FSA Plan Year Amount Return Home

16. Step 4. Select your PCP or Dentist Return Home

17. Step 5. Enter Dependent & Beneficiary Info Return Home

18. Step 6. Determine Life Insurance Distribution amounts Return Home

19. Step 7. View your elections and Accept! Return Home

20. Step 8. Print Confirmation Page & Temporary Insurance Card Return Home

21. Factors Currently Impacting Health Care Costs In General Return Home

22. H1N1: Impact on Health Care Costs • A study was conducted by the Centers for Disease Control to analyze the cost impact of the H1N1 virus. They estimate that a patient with an undiagnosed infection or a visitor in a hospital with no protection will result in 2,580 infected patients within 30 days. The cost of treating H1N1 will vary based on the different alert levels: • Green alert (mandates personal protective equipment for health care workers in direct contact with patients suspected of having H1N1) - this would result in an additional $95 to prevent one additional infected patient and $23,600 to prevent one death; • Yellow alert (mandates enhanced personal protective equipment at all high-risk areas) - this would result in an additional $3,221 to prevent one additional infected patient and $828,000 to prevent one death; • Orange alert (mandates N95 masks for all patient contact as well as all other stated measures) - this would result in $7,153 to prevent one additional infected patient and a staggering $2.5 million for one death averted. Return Home

23. COBRA Participation has increased with ARRA Subsidy A study conducted from March 2009 to June 2009 of 200 large U.S. companies, which covered 8 million employees. The study found that: • COBRA enrollments doubled to 38% for eligible Americans. This figure is up from 19% for the previous period of September 2008 through February 2009. • COBRA enrollments in the industrial manufacturing industry jumped 800% since the subsidy became available. Original enrollment was just 7% and rose to 59% in the four months following the subsidy. A recent survey of more than 300 employers who attended Aon Consulting's webinars on the COBRA subsidy, found that: • Nearly 60% expected their overall health care costs to increase as a direct result of the new federal COBRA subsidy. Return Home

24. Health Care Options Return Home

25. Health Care Options • As we review the available Health options, we should keep in mind that our needs and the needs of our families will be unique. • Our Core F3Q and Buy Up 7AB plans are the same with no increase in Deductibles, Co-pays, or Prescription drugs. • Our current H.S.A. 7AI (hdhp) is no longer available. The renewal plan is the 7AT. Difference: Prescription co-pays after meeting the deductible. • At most, the increase is 3% of the average $30k salary. • All elections are: • Deducted on a pre-tax basis each pay period • Part of Section 125 – Cafeteria Plans Return Home

26. Benefit Effective Dates Return Home

27. FLS/SST Plan Offerings • ** Enrollment form indicates monthly premium amount. • ** Premiums are deducted per pay period. Return Home

28. Medical Plan Information Return Home

29. FLS/SST Plan Offerings • 7AB F3Q 7AT • Buy Up Core H.S.A.

30. Per Pay Period Deductions • Core – F3Q Medical – United Health Care • Currently Enrolled: • Employee Only - 25 • Employee + Sp – 10 • Employee + Child – 6 • Family - 9 • **Ideal for those who have not been to the hospital or plan to go. Return Home

31. Core Plan F3Q Return Home Carrier/Product Info

32. Core Plan F3Q Return Home Carrier/Product Info

33. Per Pay Period Deductions • Buy Up – 7AB Medical – United Health Care • Currently Enrolled: • Employee Only - 19 • Employee + Sp – 15 • Employee + Child – 5 • Family – 29 • *Our plan with the most coverage possible. If you do not know what to expect, but want to be safe and covered for any obstacle. Return Home

34. Buy Up 7AB Return Home Carrier/Product Info

35. Buy Up 7AB Return Home Carrier/Product Info

36. Per Pay Period Deductions • Currently Enrolled: • Employee Only - 3 • Employee + Sp – 4 • Employee + Child – 0 • Family – 3 • **Good tax breaks for H.S.A. Accounts • **Ideal plan for heavy medical users that will reach their deductibles or for medical users that do not go to the doctor except for their annual physical. • H.S.A. – 7AT Medical – United Health Care Return Home

37. H.S.A. HDHP 7AT Return Home Carrier/Product Info

38. H.S.A. HDHP 7AT Return Home Carrier/Product Info

39. H.S.A. HDHP 7AT Return Home Carrier/Product Info

40. Per Pay Period Deductions Overview and Comparison • 7AB F3Q 7AT • Buy Up Core H.S.A. Return Home

41. Dental Provider Information Return Home Carrier/Product Info

42. Per Pay Period Deductions Dental – Aetna PPO Buy Up DMO Core Return Home

43. Dental Option - DMO

44. Dental Option - PPO Return Home Carrier/Product Info

45. Vision Information Return Home

46. Monthly Deductions • Vision –VSP Return Home

47. Vision Options Return Home

48. Vision - VSP • Save on exams, eyeglasses or contact lenses and Laser eye surgery. • Benefits vary depending on whether services are provided in or out of network • No paper forms required, call your VSP participating provider to begin the pre-approval process! • Participating providers can be found at vsp.com Return Home

49. Life/STD/LTD Return Home

50. Life, Accidental Death & PL • Employer Paid • Basic Life insurance – $25,000 • Offered to all Full-Time eligible Employees (working a minimum of 30 hours a week) Provided by Aetna Return Home