2019 – 2020 Employee Benefits Guide

Table of Contents

Contact Information 3

Your 2019-2020 Benefits 4

A whole new way to buy benefits 5

Shopping for benefits 7

Enrolling in your benefits 8

Changing your benefits selections 9

Visiting your marketplace year round 10

Things to keep in mind 11

Getting started 12

The cost of your benefits 13

Medical/Rx Plans 14

Health savings account 16

Motion Program 18

Flexible savings account 19

Dental plan 20

Vision Plan 21

Life Insurance 22

Short term disability 23

Voluntary long term disability 24

Voluntary benefits 25

2019 Rates 28

Glossary of important benefits terms 29

Required Notices 30

2

Contact Information

Benefit Vendor Phone

Number Website

Medical/Rx NHP (800) 357-0978 www.myuhc.com

Telehealth – Virtual Visits UHC N/A www.myuhc.com or download the

UnitedHealth4Me app

24 Hour Nurse Line NHP (888) 887-4114

TTY/TDD call (800) 828-1120

www.myuhc.com

Healthy Pregnancy Program

NHP (888) 246-7389 https://cx.optum.com/optumhealthlibrary

Healthy Pregnancy under Wellness tab

Advocacy Program DirectPath (800) 640-1898 www.directpathhealth.com

Flexible Spending Accounts (FSA)

Discovery Benefits

(866) 451-3399 www.discoverybenefits.com/employees

Dental MetLife (800) 275-4638 www.metlife.com/mybenefits

Vision MetLife (800) 275-4638 www.metlife.com/mybenefits

Basic Life/AD&D & Voluntary Life/AD&D

MetLife (800) 275-4638 www.metlife.com/mybenefits

Long-Term Disability MetLife (800) 275-4638 www.metlife.com/mybenefits

Employee Assistance Program (EAP)

MetLife (888) 319-7819 www.metlifeeap.lifeworks.com

Username: metlifeeap; Password: eap

Grief Counseling MetLife (888) 319-7819 https://metlifegc.lifeworks.com

Username: metlifeassist; Password: support

Travel Assist MetLife (800) 454-3679 http://webcorp.axa-assistance.com

Short-Term Disability, Accident, Critical Illness and Hospital Indemnity

BenTec (800) 282-0732

Dial 0 www.trustmarksolutions.com

www.metlife.com

Legal Services Preferred

Legal (888) 577-3476 www.preferredlegal.com

3

Eden Roc offers a comprehensive suite of benefits to contribute to the

present and future well-being of our employees and families. This booklet

provides you with a summary of benefits. Please review it carefully so you

can choose the coverage that is right for you and your family.

Benefit basics

As an Eden Roc regular full-time employee scheduled to work at least 30 hours per week, you are eligible

for all of our benefit programs. Your benefits are effective the 1st of the month following 30 days of hire.

Once your benefit elections become effective, they remain in effect until the end of the plan year or if

you experience a Qualified Life Event. You may only change coverage within 30 days of a Qualified Life

Event.

Get more bang for your

benefits buck.

Benefit Basics

4

Eligibility

Full-time employee First of the month following 30 days of hire. Eligible dependents

You are required to certify that any dependents you enroll meet the eligibility requirements. In addition,

you may be asked to provide supporting documentation. Your eligible dependents include legal spouse,

domestic partner (Domestic partner is eligible if he or she lived with you for at least six months in a

committed relationship. A Domestic Partnership Affidavit form must be completed) and children under

the age of 26 (biological, legally adopted, legal guardianship, or stepchildren).

Qualified life event

Generally, you may only change your benefit elections during the annual enrollment period. However,

you may change your benefit elections during the year if you experience a Qualified Life Event such as

marriage or the birth of a child.

Depending on the type of event, you may need to provide proof of the event. If you do not contact

Human Resources within 30 days of the Qualified Life Event, you will have to wait until the next annual

enrollment period to make changes (unless you experience another Qualified Life Event).

You may also choose to change the amount you allocate to certain savings accounts you may have been

eligible for and selected during the enrollment process at any time throughout the year.

The Cost of Your Benefits

Eden Roc pays the full cost of some of your benefits, you share the cost for

some others. In addition, you pay the full cost for any voluntary benefits

elected.

Ready to get started?

Be on the lookout for more information

soon including your login credentials.

Questions?

[SERVICE CENTER NAME AND PHONE

NUMBER] [BENEFITS PORTAL URL]

?

5

Benefit Who Pays Tax Treatment

Medical Coverage Company/You Pre-tax

Dental Coverage Company/You Pre-tax

Vision You Pre-tax

Flexible Spending Accounts (FSA) You Pre-tax

Basic Life and Accidental Death & Dismemberment (AD&D) Insurance

The Company After-tax

Voluntary Life and Accidental Death & Dismemberment (AD&D) Insurance

You After-tax

Long-Term Disability Coverage The Company After-tax

Voluntary Worksite Benefits (Accident, Critical Illness, Hospital Indemnity and Short-Term Disability)

You After-tax

Simply Engaged – Take Care of Your Health and be Rewarded

Simply Engaged is a personal health and wellness program which allows you to earn rewards when you complete these

health and wellness actions. It’s easy to start earning rewards! Access the Reward Program Overview through Rally when

you log in to www.myuhc.com for specific details regarding your wellness incentive program.

Participate in a biometric health screening and get $75 reward

Participate in a confidential event through any of the following convenient options: Worksite event (if employer has elected), Health Provider For, or Lab Screening.

Learn more about your important health numbers: total cholesterol, blood pressure and Body Mass Index (BMI).

Complete an online health survey through Rally when you log in to www.myuhc.com within 90 days of the start of the

program and get a $25 reward

Answer all of the survey questions to personalize your overall experience.

Complete the survey and receive your results as a “Rally Age” – an indicator of how your health age compass with your actual age.

Get a $20 reward each month that you visit a participating fitness center at least 12 times per month

Register at a participating fitness center or YMCA through the Health and Wellness tab on www.myuhc.com.

You must present your fitness ID card each time you go to the gym.

Complete a telephone-based health coaching program and get a $75 reward

Complete the health survey in order to participate in this health coaching program. Call the Health Coach at (800) 478-1057 to begin working on your personal health improvement plan.

Plan accordingly. A telephone-based health coaching session takes three to five months to complete.

Complete at least 3 Missions through the Rally experience and get a $50 reward

Complete the health survey to receive suggested online health actions or Missions. Missions are interactive and provide choice that may help you maintain your health.

Plan accordingly. Each mission can take at least four weeks to complete.

Healthy Pregnancy Program

NHP wants to help ensure you have a smooth pregnancy, delivery and a healthy baby. That’s why we created the Healthy

Pregnancy Program. By seeing your doctor regularly, and by enrolling in our Healthy Pregnancy Program, which is provided at

no additional cost, for NHP plan members, you’ll have built-in support through every stage of your pregnancy. After you

enroll in the program, you can call the maternity nurses 24 hours a day to ask questions or talk over your concerns. Call

(888) 246-7389.

Care 24

Care24 is a health and well-being concierge in which members are connected with a single point of contact who guides them

to clinical, wellness, financial, legal or counseling resources through NurseLine and the Employee Assistance Program

(EAP) – 24 hours a day, seven days a week.

NurseLine – Better clinical advocacy helping drive better health outcomes.

NurseLine’s registered nurses connect members to the right treatment, right

provider, right medication and right lifestyle by:

Providing support on managing a chronic condition or assessing

treatment options

Identifying UnitedHealth Premium providers and even scheduling

appointments

Care24®

services Available 24 hours a day, 7 days a week.

Call 1-888-887-4114.

myuhc.com®

TTY/TDD callers, please call

the National Relay Center at

1-800-828-1120 and ask

for the number above.

Care24 Services

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Additional Services for UHC Members

Virtual Visits

When you don’t feel well, or your child is sick, the last thing you want to do is

leave the comfort of home to sit in a waiting room. Now, you don’t have to.

A virtual visit lets you see and talk to a doctor from the comfort of your home or

office without an appointment. And it’s part of your health benefits.

Appointments can take place by mobile device or computer. Most visits take

10-15 minutes. And, doctors can write a prescription, if needed, that you can

pick up at your local pharmacy.

Access Virtual Visits

Login to www.myuhc.com or download the UnitedHealthcare

Health4Me app.

Click on the “Physician & Facilities” tab at the top of the page.

There you will find information where you can:

Learn more about virtual visits, and

Access direct links to provider sites where you can register and receive care.

It’s Part of your Health Benefits

Virtual visits are part of your health benefits which are administered by

UnitedHealthcare. You can expect to pay a portion of the costs according to your

medical plan. Your costs may be lower than an in-person appointment with your

doctor. All virtual visits will appear in claim summaries the same as any other

medical plan.

When to use a virtual visit

Talk to a doctor about non-emergency

conditions, including:

Allergies

Bladder infection

Bronchitis

Cough/cold

Diarrhea

Fever

Pink eye

Rash

Seasonal flu

Sinus problems

Sore throat

Stomach ache

Use virtual visits when:

Your doctor is not available

You become ill while traveling

You are considering visiting a hospital

emergency room for a non-emergency

health condition

$10 copay for in-network services only.

Telehealth – Virtual Visits

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About Your Benefits

Tips

When you enroll in a Eden Roc’s Medical/Rx plans, you will automatically receive prescription drug coverage through NHP/UHC. If you take medications regularly prescriptions can add up to a significant part of your health care expenses. Knowing how the Eden Roc prescription drug plan works and what to do to manage expenses can help you make good buying decisions and lower your out-of-pocket costs.

Get the most from your pharmacy benefit services

NHP/UHC provides access to a wide variety of U.S. Food & Drug Administration (FDA) approved medications. The program is designed to help you make informed decisions about your choice of prescription medications and pharmacy products. Follow these guidelines in order to get the most from your pharmacy benefits:

Choose a pharmacy that’s in the NHP/UHC network. Be aware that filling your prescriptions at a non-network pharmacy will increase your costs, and your prescriptions may not

be covered. To find a pharmacy, you can log into www.myuhc.com. When you visit a pharmacy, simply show your health plan ID card to the pharmacist, and they will inform you of your costs

for the prescription.

Remember—Go Generic and Get a Dose of Savings!

When it comes to prescription medications, you and your doctor usually have a choice between a brand name drug and its generic equivalent. Generic drugs offer the same strength and active ingredients as the brand name - but often cost much less.

In most cases, when you take your prescription for a brand name medication to the pharmacy, your prescription will be filled with the generic equivalent.

However, if you ask for the brand name medication instead of the generic, even though you doctor is ok with you taking the generic, you will pay a higher amount, which will be your generic copay plus the difference in cost between the brand name medication and the generic.

Urgent Care vs ER. Don’t pay for more if you don’t have to. The ER is meant for true emergencies such as life threatening illnesses and injuries. The ER costs an average of three times more than a visit to the UC. In a non-life threatening situation, you can most likely be treated at an UC.

Emergency Room Urgent Care

Chest Pain Coughs and Sore Throat

Broken Bones Minor Injuries and Burns

Allergic Reactions Ear / Sinus Infections

Continuous Bleeding Flu and Cold

Head Injury Sprains and Strains

Severe Shortness of Breath Fever

Deep Wounds Vaccinations

Savings Tips

Below are a few ideas on how to spend

your dollars or save on prescriptions

and medications.

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Tips

Make sure you’re always seeing a Contracted NHP/UHC Provider!

How do I locate an NHP/UHC Contracted provider?

Online: Register on www.myuhc.com to locate a contracted provider

Phone: Call (800) 357-0978 What if I receive an invoice from a provider or a facility and I verified

they were Contracted with NHP/UHC?

Retrieve your Explanation of Benefits (EOB) from NHP/UHC for that specific claim/date of service. If the amount that you owe on the EOB is equal to the amount on the invoice, then the invoice should be paid

in full. If the amount that you owe on the EOB is less than the amount on the invoice (the invoice is greater) you can

contact DirectPath at (800) 640-1898 and they can assist you.

NHP/UHC’s Contracted Lab is LabCorp, so please ensure you’re always seeking Lab Services from a Contracted LabCorp facility.

When you visit your Contracted NHP/UHC provider for your Annual Physical/Exam make sure you’re stating that this visit should be coded as your “Preventive Visit” so that you’re not charged a copay. (Remember if you’re treated for an illness during this visit it will no longer be considered a preventive visit and you will be charged the applicable copay/coinsurance.

If your Doctor orders an MRI, CT Scan or an Ultrasound, remember that a Standalone Testing Facility is much more cost effective than a hospital.

Don’t forget the Generic Drug Discount programs that are available at most retail chains. (Publix, Wal-Mart, Target)

Don’t forget the Minute Clinic’s and the Take Care Clinic’s at Walgreens & CVS. You only have to pay your PCP copay,

however please make sure you’re going to a Contracted clinic.

Medical Tips

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Medical/Rx Plans

Medical coverage offers health care protection for you and your family. You may visit any medical provider you choose, but in-network providers offer the highest level of benefits and lower out-of-pocket costs. Network providers charge members reduced, contracted fees instead of their typical fees. Providers outside the plan’s network set their own rates, so you may be responsible for the difference if a provider’s fees are above the Reasonable and Customary (R&C) limits.

Your 2019-2020 Benefits Eden Roc believes in making a positive impact not only within our industry but also with our employees – the organization’s greatest asset. We take pride in offering comprehensive benefits in a vast array of plans that contribute to the present and future well-being of our employees and their families. Some benefits are provided at no cost, while others require a cost share between employees and Eden Roc. Employees may also select voluntary plans and pay for these benefits through convenient payroll deductions. While you have many options to select from, getting the best value depends on understanding and using your benefits wisely. Take the following into account: 1. The premium cost (your

payroll deductions) 2. Your out-of-pocket cost when

you receive care 3. The type of health care

services you expect to use 4. Other coverage you might

have

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Medical/Rx Plans

Eden Roc offers a choice of three Medical/Rx plan options so that you can choose the plan that best meets your needs. Each plan includes comprehensive healthcare benefits including free preventative care services and coverage for prescription drugs.

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Plan Provisions NHP BAY3-M1 $500 POS Plan NHP F0SC-M2 $1,000 HMO Plan

In-Network Out-of-Network In-Network Only

Annual Deductible (Individual/Family) $500 / $1,000 $1,500 / $3,000 $1,000 / $2,000

Out-of-Pocket Maximum (Includes Deductible)

$3,000 / $6,000 $8,000 / $16,000 $6,000 / $12,000

Lifetime Maximum Unlimited Unlimited

Preventive Care Covered 100% 40%* Covered 100%

Telehealth $10 Not covered $10

Primary Physician Office Visit $25 40%* $25

Specialist Office Visit Open Access – no referrals required

$45 40%* $45

Inpatient Hospital Services 10%* 40%* 10%*

Outpatient Hospital Services 10%* 40%* 10%*

Diagnostic Lab Facility Covered 100% 40%* Covered 100%

Diagnostic X-ray Facility Covered 100% 40%* Covered 100%

Major Services – PET Scans, MRI, CT Scans 10%* 40%* 10%*

Urgent Care $50 40%* $100

Emergency Room Care $150; waived if admitted $200; waived if admitted

Retail Prescription Drugs (30-day supply)

Generic Brand Preferred

Brand Non-preferred Specialty: Generic, Brand Preferred & Brand

Non-Preferred

$10 $30 $50

$10/$125/$250

Not Covered

$10 $30 $50

$10/$125/$250

Mail Order Prescription Drugs (90-day supply)

Generic Brand Preferred

Brand Non-preferred

$25 $75

$125

Not Covered

$25 $75

$125

Employee Bi-Weekly Contribution NHP BAY3-M1 $500 POS Plan NHP F0SC-M2 $1,000 HMO Plan

Employee $88.32 $70.15

Employee + Spouse $190.09 $150.99

Employee + Child(ren) $172.51 $137.02

Employee + Family $274.27 $217.85

*After deductible

Medical/Rx Plans

Medical/Rx Plans

Wellness Tip – Adopting a healthy lifestyle, such as eating nutritious foods and exercising regularly can help you stay well and avoid unpleasant surprises at check up time. It can help you keep more serious problems from developing – and this saves time, money and worry!

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Plan Provisions NHP BAZ4-M1 HMO Plan

In-Network Only

Annual Deductible (Individual/Family) $5,000 / $10,000

Out-of-Pocket Maximum (Includes Deductible)

$6,850 / $13,700

Lifetime Maximum Unlimited

Preventive Care Covered 100%

Telehealth $10

Primary Physician Office Visit $35

Specialist Office Visit Open Access – no referrals required

$65

Inpatient Hospital Services 0%*

Outpatient Hospital Services 0%*

Diagnostic Lab Facility Covered 100%

Diagnostic X-ray Facility Covered 100%

Major Services – PET Scans, MRI, CT Scans $200

Urgent Care $75

Emergency Room Care $300; waived if admitted

Retail Prescription Drugs (30-day supply)

Generic Brand Preferred

Brand Non-preferred Specialty: Generic, Brand Preferred & Brand

Non-Preferred

After $100 Individual/$200 Family Deductible $10 $35 $60

$10/$125/$250

Mail Order Prescription Drugs (90-day supply)

Generic Brand Preferred

Brand Non-preferred

$25 $87.50 $150

Employee Bi-Weekly Contribution NHP BAZ4-M1 HMO Plan

Employee $34.32

Employee + Spouse $73.87

Employee + Child(ren) $67.04

Employee + Family $106.59

*After deductible

Medical/Rx Plans

The nation’s leading advocacy service retained to help

employees navigate the health care system and become better

healthcare consumer.

Who Do We Help?

Employees (and their dependents) with health care benefits through their

employer

What Do We Help With?

Providing cost & quality research for planned medical tests/procedures

Resolving claims & billing issues

Finding in-network providers

Verifying coverage

Educating employees about their health plan choices during Open Enrollment

Resolving prescription drug issues

Coordinating primary & secondary coverage benefits

Assisting with medical, dental, vision, and FSA benefits

Why Should A Member Call DirectPath For Help?

Company-paid benefits (costs nothing to use)

100% confidential

Totally independent and not affiliated with any insurance company

800-640-1898

Monday–Friday: 8 a.m. – 9 p.m. ET Saturday: 9 a.m. – 2 p.m. ET

DirectPath | Quick Guide

13

Dental Plan

Strong teeth and gums are an important part of good health, which is why Eden Roc offers

you and your eligible dependents comprehensive dental coverage through MetLife. To

help you and your family prevent the incidence of higher cost treatments, the dental

plans cover preventive exams at 100%.

Ready to get started?

Be on the lookout for more information

soon including your login credentials.

MetLife

Plan Provision DHMO PPO Plan

In-Network Only In-Network Out-of-Network

Annual deductible (Individual/Family)

None None $50/$150

Annual Benefit Maximum (per person)

None $2,200

Preventative

Refer to Benefit Summary for Fee

Schedule

100% 90%

Basic 90% 60%

Major 60% 40%

Orthodontia (Children to Age 19)

50%, deductible does not apply $1,500 lifetime maximum

Choose Well Tip: Be a Smart Dental Consumer! Establish a relationship with a dentist you trust. Visit www.metlife.com or call (800) 275-4638 to find a participating dentist. Schedule regular dental cleanings and exams to reduce the risk of gum disease. Request a pre-determination of benefits before you have major services to help you project your costs.

1

2

3 Wellness Tip Preventive services usually cost a lot less than fillings, root canals, and extractions. Therefore, routine exams and dental cleanings may help prevent the incidence of these higher–cost treatments and medical related issues. Remember to establish a relationship with a dentist you trust.

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Dental Plan

Vision Plan

Wellness is also about keeping your eyes healthy. That’s why everyone should get

regular vision check-ups by qualified doctors. Eden Roc offers voluntary vision plan

through MetLife which provides coverage for eye exams, prescription lenses and

frames, or contact lenses for you and your eligible family members.

Ready to get started?

MetLife Voluntary Vision Plan Highlights

Benefit PPO Plan

In-Network Out-of-Network

Exam $5 copay $45 allowance

Hardware $10 copay See Below

Frequency Exams

Once every 12 months Once every 12 months Lenses

Frames

Frames

$10 copay $180 Allowance, you will receive

an additional 20% off any amount that you pay over your allowance

$70 allowance

Lenses Single Lenses Bifocal Lenses Trifocal Lenses

Covered 100%

$30 allowance $50 allowance $65 allowance

Medically necessary contact lenses

Covered 100% after eyewear copay

$210 allowance

Elective Contact Lenses

$180 allowance $105 allowance

Wellness Tip Consider using MetLife providers for eye care needs to help save on out-of-pocket expenses. You want the best possible care, so on your next visit to your eye doctor be sure to: Take your list of medications — prescriptions and non prescriptions, including vitamins and share

this information with your doctor. Tell your doctor about any vision problems and share your family health history. If you have

medical conditions such as high blood pressure or diabetes, let your doctor know. Talk about your daily habits and hobbies, such as how often you use a computer each day or

whether you do a lot of close-up work or work outdoors. Hobbies like sports, reading and needlework can impact eyewear suggestions, so share this information too!

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Vision Plan

Flexible Spending Account

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A Flexible Spending Account (FSA) is a program that helps you pay for health care and

dependent care costs using tax free dollars. Each pay period, you decide how much

money you would like to contribute to one or both accounts. Your contribution is

deducted from your paycheck on a pre-tax basis and is put into the Health Care FSA, the

Dependent Care FSA, or both. When you incur expenses, you can access the funds in

your account to pay for eligible health care or dependent care expenses.

This chart shows the eligible expenses for each FSA; how much you can contribute to

each FSA each year, and how you benefit by using an FSA.

Example of Annual Savings With FSA Without FSA

Annual taxable income $50,000 $50,000

Pre-tax money deposited into an FSA ($2,700) $0

Remaining taxable income $47,300 $50,000

Minus Federal and Social Security

taxes* ($10,714) ($11,325)

Take-home pay spent on FSA eligible

expenses $0 ($2,650)

Remaining take-home pay $36,586 $35,975

Annual Savings $611 No Savings

What Are the Advantages of an FSA? Your contributions are not taxed, nor are you taxed when you receive reimbursements from the account or when you file your income tax returns at the end of the year. Example Here’s a look at how much you can save when you use an FSA to pay for your healthcare FSA, Dependent Care FSA and Limited Purpose FSA expenses.

Account Type Eligible Expenses Annual

Contribution Limits

Benefit

Healthcare FSA

Most medical, dental and vision care expenses that are not covered by your health plan (such as copayments, coinsurance, deductibles, eyeglasses and doctor- prescribed over the counter medications)

Maximum contribution is $2,700 per year

Saves on eligible expenses not covered by insurance; reduces your taxable income

Dependent Care FSA

Dependent care expenses (such as day care, after school programs or elder care programs) so you and your spouse can work or attend school full-time

Maximum contribution is $5,000 per year ($2,500 if married and filing separate tax returns)

Reduces your taxable income

Flexible Spending Accounts (FSA)

Life Insurance Coverage

Life and Accidental Death & Dismemberment (AD&D) Insurance

Company-paid Life/AD&D insurance: Work and life balance isn’t only for you, it’s also for your family. And part of achieving that balance is making sure your loved ones are taken care of in the event of an emergency. Because Eden Roc understands how important financial stability is to you and your family, the company provides this benefit to all eligible employees. Coverage is provided through MetLife. It is automatic and there is no cost to you.

Ready to get started?

Be on the lookout for more information

soon including your login credentials.

Wellness Tip Think about how much of your current paycheck is used for day-to-day living expenses. This can provide a guideline for the amount of income you need life insurance to replace. When you’re determining your life insurance needs, consider other coverage you have — including individual coverage, as well as coverage through your spouse’s employer and other insurance that provides a death benefit, like mortgage insurance. Also look at what savings and investments you have, and think about how many people depend on you for financial support.

Optional Term Life – Yourself, Spouse and Child(ren)

You may purchase additional Optional Life and AD&D insurance for yourself in increments of $10,000 to a maximum of the lesser of five times annual salary or $300,000. If you purchase Optional Life insurance when you are first eligible, you can obtain a guarantee issue up to $100,000 of coverage without providing evidence of insurability. Your Optional AD&D benefit amount is equal to the Life amount elected by you.

If you enroll in Optional Life, you may also elect Optional Life coverage for your spouse and children:

Spouse: $5,000 increments to a maximum amount of $150,000, with a guarantee issue of $25,000.

Child(ren): Increments of $1,000, $2,000, $4,000, $5,000 or $10,000 with a guaranteed issue of $10,000

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Insurance Coverage

Optional Term Life

Monthly contributions per $1,000 of coverage

Age <19 $0.068

Age 20 - 24 $0.068

Age 25 - 29 $0.068

Age 30 - 34 $0.080

Age 35 - 39 $0.091

Age 40 - 44 $0.137

Age 45 - 49 $0.217

Age 50 - 54 $0.343

Age 55 - 59 $0.535

Age 60 - 64 $0.792

Age 65 - 69 $1.454

Age 70+ $2.336

Dependent Child $0.240

Short -term disability insurance

When you’re healthy it’s hard to imagine not being able to work because of a serious

illness or injury. But a disability that keeps you out of work could have a devastating

impact on your income, jeopardizing your ability to cover normal household

expenses. That’s why Eden Roc provides Long-Term Disability coverage at no cost to

you. This benefit is 100% company-paid and is provided through MetLife.

Ready to get started?

Be on the lookout for more information

soon including your login credentials.

Wellness Tip

Low Impact Exercise

While most people desire the health benefits of exercise, not all exercise can or should be performed by everyone. For many people, health conditions or long-term injuries prevent them from taking up some of the more demanding forms of exercise. If you fall into one of those categories, low-impact exercise may be what you’re looking for. Designed to limit stress on the body, low-impact exercise can still be intensive enough to provide cardiovascular and musculoskeletal benefits. You don’t need to be a mountain climber or marathoner to obtain rewarding levels of personal fitness, but you do need regular exercise in order to maintain your health and well-being. Consider the following forms of exercise as a way to meet your fitness goals: Walking. The simplest form of exercise is still one of the best. This low-cost, low-stress workout will

benefit your body and mind without taking a toll on your body. Just make sure your shoes are up to the distance and terrain challenges.

Cycling. Whether stationary or in motion, pedaling a bike burns major calories without punishing your body.

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Long-Term Disability Insurance

Long-Term Disability

Plan Provisions Regular Full-Time Employees

Maximum Monthly Benefit

60% of salary up to $10,000 per month

Maximum Benefit Duration

Retirement Benefit Duration or Social Security Normal Retirement Age

Elimination Period

180 days (the number of days you must be disabled prior to receiving disability benefits)

Benefit Reductions

LTD benefits integrate with Social Security, and any other disability or retirement benefits, under a retirement plan to provide you with a combined monthly benefit (varies by option), up to the monthly benefit maximum

Voluntary long -term disability insurance

Life’s personal and family related issues shouldn’t make it hard to get through the

day. It can make a difference just knowing that you will have someone who will

listen, understand and suggest next steps. That is why Eden Roc provides you and all

members of your household with a free, confidential EAP service to help with such

issues as:

Be on the lookout for more information

soon including your login credentials.

Wellness Tip

Walking Walking is a great form of exercise for achieving better health and burning calories. But do you know the recommended amount of walking to achieve optimum benefits? Studies show that walking 10,000 steps, or about 5 miles, is an excellent daily goal for most people. But you don’t have to do endless laps around the local high school track; steps throughout your day all add up to a healthier you. Try wearing a pedometer to help you monitor how close you are to reaching your goal. Every step counts, so keep walking!

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Employee Assistance Program (EAP)

Stress, Anxiety and Depression Parent and Child Relationships Depression Alcohol and Drug Dependency Legal and Financial Counseling Financial Planning Family & Marital Conflicts Job Related Difficulties Identity Theft Counseling Grief Counseling and more This is a confidential service and is available 24 hours a day, seven days week. The EAP benefit includes five consultations per individual, per calendar year. When you call, you will speak to a friendly, compassionate professional who will genuinely care about your situation, help you clarify your concerns, and offer your guidance and support. If necessary, you will be connected with experts who can provide additional assistance. You may access information, benefits, educational materials and more either by phone at (888) 319-7819 or online at www.metlifeeap.lifeworks.com; Username: metlifeeap and Password: eap. You and your family members are automatically enrolled in the EAP plan. This service is provided through MetLife at no cost to you.

Voluntary benefits- Bridge the gap with hospital indemnity- AFLAC

Ready to get started?

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Worksite Benefits

Voluntary benefits- Voluntary benefits- Accident & Critical Illness Insurance

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Additional Services from MetLife

Grief Counseling

Facing a major loss is never easy, and how you cope and grieve is very personal. No matter the

circumstances, whether it’s a death, an illness, a divorce, or even a child leaving home, there are

valuable resources available to you that can help.

MetLife is here to help at your time of need, you and your dependents have 24/7 access to a work/life

counselor. Simply call a dedicated toll-free number to speak with a licensed professional. To contact a

professional counselor simply call (888) 319-7819 or you can visit https://melifegc.lifeworks.com;

Username: metlifeassist, Password: support.

You now have the opportunity to enroll in the MetLife Optional Life Insurance that can financially help

protect your loved ones should something happen to you. An when you enroll in Optional Life

Insurance, you have access to another service to protect the ones you love – Will Preparation.

Step 1: Call Hyatt Legal Plans’ toll-free number (800) 821-6400, and a Client Service Representative will

assist you in locating a participating plan attorney in your area and provide you with a case number.

Step 2: Call and make an appointment with a participating attorney – many plan attorney even have

evening and weekend appointments for your convenience.

Step 3: That’s it! When you use a plan attorney, you do not need to submit any claim forms. You also

have the flexibility of using a non-network attorney and being reimbursed for covered services according

to a set fee schedule. Optional Life Insurance and Will Preparation Service are two important ways to

protect yourself – and the ones you love.

Is a valuable benefit that is provided and administered by AXA Assistance USA, Inc. through an

arrangement with MetLife. This service offers you and your dependents medical, travel, legal, financial

and concierge services, 24 hours a day, 365 days a year, while traveling internationally or domestically.

When your AD&D coverage become effective, you will be provided with a travel assistance identification

card, along with an informative brochure that highlights the available services. If you become sick or

injured, require travel or financial assistance when traveling 100 miles or more from home, call the

number on the identification card to access services. You will promptly be connected to a multilingual

assistance coordinator who will be happy to assist you, 24 hours a day, 365 days a year. It’s that easy!

You can also obtain 24-hour pre-departure information on weather, currency or holidays through the

toll free number or by visiting the AXA website at http://webcorp.axa-assistance.com. These benefits

are provided to Eden Roc employees at no cost to you.

Life Insurance Coverage & Will Preparation Service

Travel Assist

Voluntary benefits

Preferred Legal

You never know when a legal problem is going to effect your work, your life, or your

wellness. With Preferred Legal plan, you will have access to professional attorneys,

financial planners, and other valuable resources to help you protect yourself and

everything that you’ve worked so hard to attain.

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Legal Services and Identity Theft

Identity Theft

STOP Identity Theft in its tracks with the power of Experian! ProtectMyID is pleased to

partner with Preferred Legal Plan. ProtectMyID provides more than identity protection.

They provide peace of mind. As a part of Experian, a leader in credit services and

decision analytics they use world-class security and technology standards. Here are

some features to fight identity theft.

Early warning Surveillance Alert notifications via email or text inform members of new activity related to their identities through daily monitoring

$1,000,000 Identity Theft insurance to cover items like electronic fund transfers, lost wages, legal fees and private investigator costs

Identity Theft Resolution Agents help resolve potential identity theft from start to finish. With a highly trained dedicated agent, members aren’t left on their own to contact creditors

A complete personal Experian credit report so members can check for inaccurate information that may be a sign of past identity theft

Additional resources so consumers can learn more about identity protection

Bi-Weekly Cost Preferred Legal

Only Identity Theft

Only Preferred Legal &

Identity Theft

Employee only $4.60 $4.16 $7.83

Employee + Spouse N/A $8.31 $11.06

Unlimited FREE legal advise via phone consultation Unlimited FREE review of legal documents (real estate

contracts, lease agreements, etc.) Unlimited FREE letters and phone calls on Employee’s behalf to third

parties Unlimited FREE credit report analysis and repair and settling

accounts in collection Unlimited FREE Identity Theft protection and restoration FREE loan modification assistance and foreclosure defense FREE Wills for Employee and Spouse FREE legal forms available through PLP Form Library FREE notary services Up to 40% reduced legal fee for panel attorney representation on all types of legal services

(pursuant to Fee Schedule) 24 hours a day, 7 days a week access

Glossary of important benefits terms

Here are some of the important benefits terms and types of insurance

coverages referenced in this guide:

Benefits Portfolio

A comprehensive package of various types of

insurance and benefits products that work together to

create the best protection based on your individual

needs.

Coinsurance

The amount you pay for services after you meet your

deductible. For example, your coinsurance might be

20% of the total charge, while your insurance

company pays the other 80%.

Copay

A flat fee you pay for health care services; your

insurer pays the balance. You may have one copay for

in-network (e.g., $20) while out-of-network copays

might be higher (e.g., $40).

Deductible

The amount you’ll pay toward medical expenses

before your insurer begins to pay for them.

Dependent

A qualifying child or relative, including a spouse or

domestic partner, who relies on you for financial

support.

Disability Insurance

Cash paid to you by your insurance company in the

event that an illness or accidental injury causes you

to be out of work for a certain amount of time.

Generic Drugs

Generic drugs are less expensive versions of brand

name drugs that have the same intended use, dosage,

effects, risks, safety and strength. The strength and

purity of generic medications are strictly regulated by

the Federal Food and Drug Administration.

Flexible Spending Account (FSA)

A tax-advantaged financial account set up through your

employer that allows you to set aside a portion from your

paycheck to pay for qualified expenses, such as

dependent or child care, transit or parking. Money

deducted from pay into an FSA is not subject to taxes.

Inpatient

Services provided to individual during an

overnight hospital stay.

Life Insurance

A specific amount of money paid to designated

beneficiaries in the event of the insured person’s

death.

Mail Order Pharmacy

Mail order pharmacies generally provide a

90-day supply of a prescription medication for

the same cost as a 60-day supply at a retail

pharmacy. Plus, mail order pharmacies offer the

convenience of shipping directly to your doctor.

Out-of-Pocket Maximum

The highest amount you’ll pay toward medical

expenses in a year including deductibles, copays,

and coinsurance, but not monthly premiums. If the

out-of- pocket-maximum is met, any further

qualified expenses will be 100% covered by the

insurance company for the remainder of the year.

Outpatient

Services provided to an individual at a hospital

facility without an overnight hospital stay.

Primary Care Physician (PCP)

Physician (generally a family practitioner, internist

or pediatrician) who provides ongoing medical

care. A primary care physician treats a wide

variety of health-related conditions.

Specialist

A physician who has specialized training in a

particular branch of medicine (e.g., a surgeon,

gastroenterologist or neurologist).

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Glossary of Medical Plan Terms

About This Guide This benefit summary provides selected highlights of the Eden Roc employee benefits program. It is not a legal document and shall not be construed as a guarantee of benefits nor of continued employment at Eden Roc. All benefit plans are governed by master policies, contracts and plan documents. Any discrepancies between any

information provided through this summary and the actual terms of such policies, contract and plan documents shall be governed by the terms of such policies, contracts and plan documents. Eden Roc reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at anytime. The authority to

make such changes rests with the Plan Administrator.

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