myBenefits 2017

Open Enrollment

SKUBI2017

In addition to this brochure, please download and review the Enrollment Notifications which can be found on the Open Enrollment website or on My Skanska.

The following pages summarize the benefits and are not meant to describe every detail of the coverage. In the event of a discrepancy

between these summaries and the carrier booklets, the latter will prevail. To view the carrier booklets, the Summary of Benefits and

Coverage, Skanska’s Summary Plan Description and all legally required notifications, download them from the BenXpress Open

Enrollment website, from My Skanska or ask your HR representative for copies.

If you have any questions, please call Creative Benefits, Inc. at 1-866-306-0200 and ask for a member of the Skanska team

(see Page 16).

Benefits 2017…………………………………………………………………………………………………….3

Medical PPO 1………………………………………………………………………………………….……….4

Medical PPO 2……………………………………………………………………………………………….….5

Prescription……………………………………………………………………………………………………… 6

Dental………………………………………………………………………………….……………………………7

Vision……………………………………………………………………………………………….……………….8

Payroll Contributions……………………………………………………………………………….………..9

Flexible Spending Accounts……………………………………………………………………………..10

Life/AD&D, Disability……………………………………………………………………….……..….…..11 Voluntary Products………………………………………………………………………………….……...12

Employee Assistance Program………………..……………………………………………………….13

LiveHealth Online………………………………………………………………………………………..….14

Online Enrollment/CBI Assistant…………………………...…..………………….…………….…15

Creative Benefits, Inc. …………………………………………………………………………………....16

Open Enrollment extends from Tuesday, October 11, 2016 through mid-night (PST) on Sunday, November 6, 2016 for benefits effective January 1, 2017. After November 6th, it will not be possible to change your elections or enroll in the Flexible Spending Account for 2017.

To make an election/change or to enroll/re-enroll in the Flexible Benefits Account, please go to www.benxpress.com/skanska (see Page 15). If you do not access BenXpress, your current benefits will remain the same in 2017 and you will not be enrolled in the Flexible Spending Account for 2017.

Once you have made your elections, they will stay in effect until the next Open Enrollment (1/1/2018) unless you experience a change in status e.g. birth, marriage, divorce. You have 31 days from the date of the qualifying event to notify HR if you wish to change your benefits. If you do not make the notification within that timeframe, your changes will not be effective until the next Open Enrollment.

TABLE OF CONTENTS

Benefits Effective January 1, 2017 One of Skanska’s core values is “Be Better – Together”. This philosophy guides how we interact with our clients as well as with each other. Employment at Skanska is a partnership and an opportunity for all of us to be better together. It is through collaborative effort that we grow, both as individuals and as a company.

The benefits that we offer also represent a partnership. Your health and well-being are important to you and your loved ones, as well as to Skanska’s success. As you know, healthcare is a significant cost that continues to rise for us as individuals and the company. We want to continue to provide a strong, affordable and flexible benefits program and, in turn, we ask that you partner with us as informed and engaged consumers of healthcare. Understanding - and fully utilizing - the benefits available to program participants are key to making the most informed healthcare choices. This open enrollment process provides a great opportunity to review your current elections and the programs that are available.

When making your election choices please remember to consider registering for LiveHealth Online, which you can do at any time during the year as long as you are enrolled in either the PPO 1 or PPO 2 medical plan. This program provides an alternative, low-cost, on-line option for consultation with physicians. The flyer is included in this guide. It is important to remember that you and your dependents must be registered for this program in order to use it.

This year we are introducing a new pilot Concierge Case Management Program through Creative Benefits, also at no cost to you. This program provides for consultation with a registered nurse for guidance and information related to medical diagnosis and disease management concerns. The program is tailored for those PPO 1 or PPO 2 plan participants who are in complex medical care situations, but all benefits eligible employees can take advantage of speaking with a registered nurse regarding health care questions.

The Employee Assistance Program does not require registration and is available to you at no cost to you. Employees and their family members can access the Carebridge interactive website or talk with a Carebridge counselor on a 24/7/365 basis regarding work-life stresses and challenges. Please refer to the program flyer also included in this guide.

For this Open Enrollment period, we have strived to enact changes to help us contain rising healthcare cost while at the same time preserve the value of/and not change the basic program offerings.

Highlight of Changes for 2017

Payroll Contributions: There are minor increases this year to the employee payroll contributions for the PPO 1 and PPO 2 plans, but no changes to the deductible or office visit copays. There are also increases to the employee payroll contributions for the Vision plan. The employee premiums for this plan have not increased for three years. The dental deductions are remaining the same as they are currently.

Prescription Drug Copays: There are important changes to the prescription copays for 2017, including the addition of a Specialty drug tier. These changes are reflective of the increase in prescription drug use as well as the increase in prescription drug costs. Specialty drugs have had the most impact on pharmacy costs and a Specialty drug tier has been added as a result.

New Cards: New Anthem ID cards will be distributed for use in 2017 to all who are enrolled in the PPO 1 or PPO 2 plans for 2017.

Emergency Room Copays: There are increases to the copays for Emergency Room (ER) visits. Please keep in mind that ER visits are intended for life-threatening symptoms such as chest pains, severe bleeding, head trauma, etc. LiveHealth Online or an Urgent Care Facility may be appropriate alternative options to consider for care that may be urgently needed but not in a life threatening situation. Remember that you can also call Anthem’s NurseLine to speak with a Registered Nurse 24/7/365 to help you determine whether medical attention should be sought and direction on the appropriate level of care.

Dependent Voluntary Life/AD&D requirements: The full-time student requirement has been removed for the Dependent Voluntary Life and Voluntary Accidental Death & Dismemberment (AD&D) plans. This change allows dependent children to be eligible for coverage from age 14 days to 26 years if they are unmarried and claimed as a dependent on your tax return.

If you have any questions about the open enrollment process or the plans please contact Creative Benefits, Inc. at 1-866-306-0200 and ask for a member of the Skanska team. Thank you

Thomas B. Crane Chief Human Resources Officer Page 3

Medical Skanska offers the choice of two health plans that differ by copay, deductible and coinsurance amounts. The choice of

providers is yours, but there are advantages to selecting in-network providers, primarily lower out-of-pocket expenses.

Anthem Blue Cross Blue Shield PPO 1 Benefits In-Network Out-of-Network

Deductible None $500 Single/$1,000 Family

Co-Insurance 100% 80%

Out-of-Pocket Maximum (Includes Rx) $4,000 Single / $8,000 Family $5,000 Single / $10,000 Family

Lifetime Maximum Unlimited Unlimited

Office Visits

Primary Care Physician Visit $15 copay 80% after deductible

Specialist Visit $30 copay 80% after deductible

LiveHealth Online visit (see Page 14) $7 copay Not available

Preventive Care (Frequency Schedule Applies) $0 80% after deductible

Hospital Care

Inpatient Hospital Care $100/day to $500/admission $100/day to $500 admission then 80%

Outpatient Surgery $100 copay $100 copay then 80% after deductible

Emergency Room $350 copay (waived if admitted)

Other Services

Lab Services/Routine Radiology 100% 80% after deductible

Complex Radiology (MRI, PET Scan) $60 copay $60 copay then 80% after deductible

Durable Medical Equipment 80% 80% after deductible

Physical, Speech & Occ. Therapy 90 visits for all therapies combined/calendar year

$30 copay

80% after deductible

Chiropractic Care (30 visits per calendar year) $30 copay 80% after deductible

Mental Health

Outpatient Office Visits $15 copay 80% after deductible

Inpatient $100/day to $500/admission $100/day to $500/admission then 80%

Reminders

Pre-Certification Pre-certification is required for inpatient admissions (hospital, hospice, skilled nursing, rehab, inpatient mental health) and for Applied Behavioral Analysis (ABA) treatment for Autism. Penalties apply so always check to confirm that pre-certification has been completed. Providers should call the number on the back of your ID card.

Not Covered

$300 Single / $600 Family

Balance Billing

You will be balance billed for the difference between the amount allowed by Blue Cross and the provider’s charge when you utilize an Out-of-Network provider. This amount will not accumulate toward your Out-of-Pocket maximum.

Coordination of Benefits (COB) Every year, Anthem will want to know whether your dependents have coverage elsewhere, i.e. through your spouse. Claims will be pended until this information is received. Please take the time to complete the COB form included on the BenXpress website and mail it to Creative Benefits, Inc. if you have coverage elsewhere.

NurseLine You can call Anthem’s NurseLine to speak with a Registered Nurse 24 hours a day, 7 days a week. Speaking with a nurse will help you determine whether medical attention should be sought and what the appropriate level of care would be. The number is 877-talk2rn (877-825-5276).

Please see the benefit booklet posted on My Skanska or ask your HR representative for a copy for complete coverage details. Page 4

To locate a participating doctor, visit www.anthem.com and select “Find a doctor.” The first three letters of your ID number are SQH. The copay change is bolded.

Medical

Anthem Blue Cross Blue Shield PPO 2 Benefits In-Network Out-of-Network

Deductible $500 Single/$1,000 Family

Applies to certain services only

$500 Single/$1,000 Family

Co-Insurance 100% 80%

Out-of-Pocket Maximum (Includes Rx) $5,000 Single / $10,000 Family $8,500 Single / $17,000 Family

Lifetime Maximum Unlimited Unlimited

Office Visits

Primary Care Physician Visit $30 copay 60% after deductible

Specialist Visit $50 copay 60% after deductible

LiveHealth Online visit (see Page 14) $7 copay Not available

Preventive Care (Frequency Schedule Applies) $0 60% after deductible

Hospital Care

Inpatient Hospital Care $150/day to $750/admission $150/day to $750 admission then 80%

Outpatient Surgery $150 copay $150 copay then 60% after deductible

Emergency Room $500 copay (waived if admitted)

Other Services

Lab Services/Routine Radiology 100% 60% after deductible

Complex Radiology (MRI, PET Scan) $100 copay $100 copay then 60% after deductible

Durable Medical Equipment 80% after deductible 60% after deductible

Physical, Speech & Occ. Therapy 90 visits for all therapies combined/calendar year

$50 copay

60% after deductible

Chiropractic Care (30 visits per calendar year) $50 copay 60% after deductible

Mental Health

Outpatient Office Visits $30 copay 60% after deductible

Inpatient $150/day to $750/admission $150/day to $750/admission then 60%

Reminders

Pre-Certification Pre-certification is required for inpatient admissions (hospital, hospice, skilled nursing, rehab, inpatient mental health) and for Applied Behavioral Analysis (ABA) treatment for Autism. Penalties apply so always check to make sure that pre-certification has been completed. Providers should call the number on the back of your ID card.

Not Covered

$300 Single / $600 Family

Balance Billing

You will be balance billed for the difference between the amount allowed by Blue Cross and the provider’s charge when you utilize an Out-of-Network provider. This amount will not accumulate toward your Out-of-Pocket maximum.

Coordination of Benefits (COB) Every year, Anthem will want to know whether your dependents have coverage elsewhere, i.e. through your spouse. Claims will be pended until this information is received. Please take the time to complete the COB form included on the BenXpress website and mail it to Creative Benefits, Inc. if you have coverage elsewhere.

NurseLine You can call Anthem’s NurseLine to speak with a Registered Nurse 24 hours a day, 7 days a week. Speaking with a nurse will help you determine whether medical attention should be sought and what the appropriate level of care would be. You’ll receive help in making informed decisions about your healthcare. The number is 877-talk2rn (877-825-5276)

Please see the benefit booklet posted on My Skanska or ask your HR representative for a copy for complete coverage details. Page 5

To locate a participating doctor, visit www.anthem.com and select “Find a doctor.”

The first three letters of your ID number are SQH. The copay change is bolded.

Prescriptions

PPO 1 and PPO 2 In-Network Copays

In NetworkNetworkNetworkNetwork

PPO 2 In Network Retail (30 Day Supply)

Tier 1: Generic Formulary Drugs $10

Tier 2: Brand and Select Generic Formulary Drugs $50

Tier 3: Non-Formulary Drugs 20% to a maximum copay of $250

Tier 4: Specialty Drugs 25% to a maximum copay of $350

Mail Order (90 Day Supply)

Tier 1: Generic Formulary Drugs $20

Tier 2: Brand and Select Generic Formulary Drugs $100

Tier 3: Non-Formulary Drugs 20% to a maximum copay of $500

Tier 4: Specialty Drugs 25% to a maximum copay of $700

Drug Copays – For the most expensive categories of medications (Non-Formulary and Specialty), the copay will now be

tied to the actual cost of the drug. The copay will be a percentage of the drug’s discounted price to a maximum

amount i.e. if a non-formulary drug costs $500, the copay will be 20% x $500 = $100. To determine the amount of your

copay, go to www.anthem.com and login or register. Continue through the “Welcome” screen, then select

“Prescription Benefits” and “Price a Medication”. You will be asked several questions (e.g. the name of the drug,

quantity and days supply). You’ll then be shown the copay as well as whether a generic equivalent is available.

Prior Authorizations: Certain medications require prior authorization by your physician who will need to call the number

on the back of your card to supply the requested information. If you are at the pharmacy and told that your drug requires

Prior Authorization, ask the pharmacist if he can give you a small supply until the requirements are met.

Accredo Specialty Pharmacy: Specialty drugs are used to treat chronic conditions including rheumatoid arthritis and

multiple sclerosis. These medications include those that are injected, infused or taken by mouth. You will need to obtain

them through Accredo, the specialty pharmacy division of Express Scripts. You can initiate the process by calling 1-800-

870-6419 Monday-Friday 8:00 a.m. to 11:00 p.m. Eastern Time. A representative will contact your physician to obtain

your prescription. You will then receive a call to schedule delivery to your home or to your doctor’s office.

Mail Order: There is a mail order program available for maintenance drugs. Maintenance medications are those

prescribed for an extended period of time to treat chronic conditions (e.g. high blood pressure). To participate in this

program, you should ask your doctor to write two prescriptions for you – one for a 30 day supply to be filled immediately

at the retail pharmacy and one for the 90 day supply (plus any refills) to be filled via the mail order program. To initiate

mail order, you can call 1-888-613-6091 Monday-Friday 8:30 a.m. to 8:00 p.m. Eastern Time or register at

www.anthem.com and download a Home Pharmacy Order Form in the “Prescription Benefits” section.

Quantity Limits: If your medication is not covered for the amount prescribed, you should contact your physician and

request that the prescription be written for an approved dosage or your physician can call Express Scripts to obtain Prior

Authorization for the amount prescribed.

Please see the benefit booklet posted on My Skanska or ask your HR representative for a copy for complete coverage details.

Page 6

Your prescription drug coverage is a formulary-based plan administered by Express Scripts for Anthem Blue Cross Blue Shield. A formulary plan is a defined list of drugs that are FDA approved and selected by the Pharmacy Benefit Manager (PBM) based on efficacy and value. You can determine how your medications are covered by reviewing the Formulary List or calling Customer Service at 1-844-736-9504. To view the list, register at www.anthem.com.

Dental

In- Network Out-of-Network*

Annual Deductible: Waived for Diagnostic/Preventive and Orthodontic

$50 per single/calendar year $150 per family/calendar year

Calendar Year Maximum Benefit (combined in-and out-of-network)

$2,000/person $1,000/person

Diagnostic/Preventive

Exams (once every six months) 100% 100%*

Bitewing X-Rays 100% 100%*

Cleanings (once every six months) 100% 100%*

Fluoride Treatments 100% 100%*

Space Maintainers 100% 100%*

Basic Services

Amalgam Restorations 90% After Deductible 80% After Deductible*

Periodontics 90% After Deductible 80% After Deductible*

Endodontic 90% After Deductible 80% After Deductible*

Oral Surgery 90% After Deductible 80% After Deductible*

Major Services

Crowns/Inlays 60% After Deductible 50% After Deductible*

Fixed Bridges 60% After Deductible 50% After Deductible*

Full and Partial Dentures 60% After Deductible 50% After Deductible*

Orthodontics (Dependent Children under the age of 19)

Appliances 50% 50%*

Lifetime Maximum (combined in-and out-of-network) $1,500 child to age 19

Other

Carryover of Maximum Benefit You can carry over a quarter of your unused maximum benefit into the next year.

Pre-Treatment Estimate If your dentist indicates that a treatment may exceed $300, it is recommended that you request an estimate of benefits prior to receiving the treatment.

*For out-of-network services, you will be balance billed for the difference between Delta Dental’s allowance and the provider’s charge (in addition to the co-insurance). Benefits may be subject to age or frequency limitations.

How the Maximum Rollover Works

Please see the benefit booklet posted on My Skanska or ask your HR representative for a copy for complete coverage details.

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To locate a dentist, please visit www.deltadentalnj.com. You may choose either the Premier or the PPO network. If you utilize a PPO dentist,

you will receive greater discounts and your out-of-pocket expenditures will be lower. You can also register to view your claims and benefit

information. For Customer Service, please call 1-800-452-9310.

Visit your dentist once a year for an exam or cleaning

If your claims for the calendar year are less than half of your annual benefit….

Delta Dental will automatically rollover up to $500

Rollover can be used anytime your dental claims exceed the calendar year maximum benefit

Vision Voluntary Vision from VSP How to Access Your Vision Coverage - It’s as easy as 1-2-3

In-Network Out-of-Network Reimbursement*

copay Copays $10 Exam Copay / $15 Material Copay (Lenses, Frames)

Examinations Once every calendar year

Exams Copay Applies Up to $50 Reimbursement

Standard Lenses Once every calendar year

Single Copay Applies Up to $50 Reimbursement

Lined Bifocal Copay Applies Up to $75 Reimbursement

Lined Trifocal Copay Applies Up to $100 Reimbursement

Progressive $50 copay - Standard Up to $75 Reimbursement

Contact Lenses Once every calendar year (instead of glasses)

Fitting and Evaluation $60 copay $150 allowance

Up to $105 Reimbursement Elective Lenses $150 allowance

Medically Necessary $0 copay, paid in full Up to $210 Reimbursement

Frames Once every other calendar year

At provider’s location $150 allowance, $170 for selected frames Up to $70 Reimbursement

Discounts – You will receive an average of 35% to 40% savings on all non-covered lens options. You will also receive 30% off additional glasses and sunglasses including lens options from the same VSP provider on the same day as your exam (or 20% off within 12 months of your exam). VSP has also contracted with certain facilities to offer discounts on PRK and Lasik surgeries.

Eyeconic - eyeconic.com offers you the opportunity to purchase single vision glasses and order contacts online following an exam with a VSP provider.

TruHearing – VSP is offering hearing exam coverage and hearing aid discounts if you enroll in the TruHearing Member Plus Program. A yearly comprehensive hearing exam will be covered for $75. You can call 1-877-396-7194 to schedule an appointment with one of over 1,600 audiologists nationwide. Sign up to learn more about the program at vsp.truhearing.com.

Eye exams can assist in the early detection of vision and health conditions such as: Glaucoma • Diabetes • Cataracts • High Blood Pressure. Be sure to have your family members checked. The American Optometric Association recommends that children receive an eye exam as early as six months of age.

*Less the exam or materials copay.

Please see the benefit booklet posted on My Skanska or ask your HR representative for a copy for complete coverage details. Page 8

Locate a VSP Signature Network

provider by calling 1-800-877-7195 or

by logging into www.vsp.com

Schedule an appointment with the VSP

provider

Your provider will file your claim for you (No ID cards, no claim forms

needed!)

Payroll Contributions Bi-Weekly/Weekly The contributions for both Medical/Rx have increased slightly.

Vision contributions are increasing for the first time in three years.

The dental contributions remain the same as they are currently.

Bi-Weekly Weekly PPO 1 Current January, 2017 Current January, 2017

Single $90.00 $96.30 $45.00 $48.15

EE + Child $170.00 $181.90 $85.00 $90.95

EE + Spouse/Partner $185.00 $212.73 $92.50 $106.37

EE + Children $200.00 $214.00 $100.00 $107.00

Family $210.00 $231.00 $105.00 $115.50

PPO 2 Current January, 2017 Current January, 2017

Single $60.00 $67.20 $30.00 $33.60

EE + Child $115.00 $126.50 $57.50 $63.25

EE + Spouse/Partner $125.00 $146.25 $62.50 $73.13

EE + Children $150.00 $165.00 $75.00 $82.50

Family $160.00 $179.20 $80.00 $89.60

Dental Current January, 2017 Current January, 2017

Single $13.00 $13.00 $6.50 $6.50

EE + Child $18.00 $18.00 $9.00 $9.00

EE + Spouse/Partner $22.00 $22.00 $11.00 $11.00

EE + Children $26.00 $26.00 $13.00 $13.00

Family $32.00 $32.00 $16.00 $16.00

Vision Current January, 2017 Current January, 2017

Single $2.91 $3.37 $1.46 $1.69

EE + 1 $5.65 $6.56 $2.83 $3.28

Family $8.41 $9.76 $4.21 $4.88

The following benefits are paid 100% by Skanska: Life/Accidental Death & Dismemberment Short Term Disability Long Term Disability Employee Assistance Program

Voluntary Life/AD&D and Disability products are available and would be paid by you. Please see Page 12.

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Flexible Spending

PayFlex

Healthcare Reimbursement Account

This account will reimburse you with pretax dollars for eligible healthcare expenses not reimbursed under your health plan. In general, expenses incurred to treat a medical condition or to alleviate pain are eligible for reimbursement. Under the Skanska plan, up to $2,500 for the plan year may be deducted on a pre-tax basis for this purpose (payroll deductions are made in equal increments over the course of the year). For a complete list of eligible expenses, download IRS Publication 502. Examples of eligible expenses: •Office visit copays •Prescription drug copays •Dental expenses, including orthodontia •Over the counter medications, if they have been prescribed •Hearing aids •Eyewear

Dependent Care Account

This account will reimburse you with pre-tax dollars for daycare expenses for your children and other qualifying dependents so that you and your spouse may go to work or school. Up to $5,000 may be set aside on a pre-tax basis (or $2,500 if you are married and file separate returns). Eligible dependents include children under age 13 who qualify as dependents on your federal tax return and children or other dependents of any age who are physically or mentally unable to care for themselves and who qualify as dependents on your federal tax return. Examples of eligible expenses: •Daycare, as long as the provider reports the income and complies will all state and federal laws •Before and after school programs •Adult daycare NOTE: This account is for daycare expenses. It is not to reimburse you for your dependent’s healthcare expenses.

Rollover You are eligible to rollover $500 of your unused 2016 healthcare election to pay for expenses incurred during 2017. But the rollover amount is not cumulative. The maximum that you can rollover from one year to the next is $500 and any amount in excess of that will be forfeited.

Run Out You have a period of 90 days following the end of 2016 to submit expenses incurred during 2016. These expenses will need to be submitted using a reimbursement form.

Debit Card If you are enrolling for the first time, you will receive a debit card. If you are currently enrolled, your debit card can be used until it expires (please check the expiration date on the card). You may be asked to substantiate a charge so be sure to save all receipts. If you do not respond to the request with appropriate substantiation, your debit card will be deactivated.

Direct Deposit You can submit a paper claim for reimbursement and have the amount deposited into your checking or savings account. Your claim can be faxed to 1-402-231-4310. To set up Direct Deposit, go to www.payflex.com after January 1, 2017 and login or register.

If you are mailing a paper claim, please make sure the address on the form is:

PayFlex Systems USA Inc., P.O. Box 981158, El Paso, Texas 79998-1158

Please see the benefit booklet posted on My Skanska or ask your HR representative for a copy for complete coverage details.

Page 10

The FSA accounts are administered by PayFlex. You can register to view a list of eligible expenses, download a claim form or submit claims at www.payflex.com. You will need to go to the enrollment website www.benxpress.com/skanska to make elections for 2017. Customer Service can be reached at 1-800-284-4885.

Life Insurance, Short & Long Term Disability Cigna

These benefits are paid for you entirely by Skanska and are provided through CIGNA. You are automatically enrolled in these coverages.

Life/Accidental Death & Dismemberment

Life Benefit 2 x Salary to $1,000,000

Accidental Death & Dismemberment 2 x Salary to $1,000,000

Guarantee Issue $1,000,000

Reduction Schedule To 65% at age 65, 50% at age 70

Accelerated Death Benefit This allows a terminally ill employee to access 75% of the benefit while still living.

Conversion Coverage can be converted to an individual policy upon retirement/termination of employment.

Short Term Disability (STD)

LTD Benefit 60% of your base pre-disability salary

Benefit Maximum $3,000/week

Benefit Duration 26 weeks

Benefits Begins After: Accident: 7 days

Illness (includes pregnancy): 7 days

Maternity: You are eligible for 12 weeks of paid leave at 60% of your base pre-disability salary

after a 7 day waiting period.

Long Term Disability (LTD) Long Term Disability (LTD) LTD Benefit 60% of your base pre-disability salary

Benefit Maximum $15,000/month

Benefit Duration Until disability ends or you reach Social Security Normal Retirement Age (SSNRA)

Benefits Begins After: 180 days of disability

CIGNA Resources

EAP (Employee Assistance Program) This program provides 24/7 confidential assistance regarding a multitude of work/life topics such as parenting, senior care and legal problems. Three face-to- face visits are also available to further assist you. Please call 1-800-538-3543 or visit www.cignabahvioral.com/cgi (User name: rewards; Password: savings). This service is available in addition to the new EAP through Carebridge.

Will Preparation Services Go to www.cignawillcenter.com and register to create your own personalized Last Will & Testament, Living Will, Healthcare Power of Attorney or Financial Power of Attorney. If you have questions, phone representatives are available to assist you.

Secure Travel This program provides medical emergency evacuation and travel services when traveling 100 miles or more away from home. It also offers translation assistance, help with lost or stolen items and a method of obtaining emergency cash. From the U.S. or Canada, call 1-888-226-4567. From other locations call collect, 202-331-7635. You can also email cigna@europassistance-usa.com.

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Voluntary Products How to Enroll:

UNUM Voluntary Long Term Disability – 100% Employee Paid

You can purchase an Individual Long Term Disability policy through UNUM to provide supplemental income protection. If you are interested in receiving a proposal, please contact Pat Visek at Creative Benefits, Inc. at 1-866-306-0200

or email pvisek@creativebenefitsinc.com.

Allstate Voluntary Benefits – 100% Employee Paid

Skanska offers Accident and Cancer insurance on a voluntary basis through payroll deduction. Benefit options and rates vary by state. If you are interested in these benefits, please call Creative Benefits, Inc. at 1-866-306-0200 or Benaware

at 1-877-628-3676. If you are currently enrolled in the Allstate program, your benefits will continue for the coming year.

Page 12

Request coverage during your enrollment on BenXpress or contact Dana Schappert at Creative Benefits to discuss the enrollment process

You would then submit the paperwork required by the carrier.

Upon approval by the carrier, cost of the coverage will be payroll deducted on a post-tax basis

Contact Us Toll Free at 1-866-306-0200 ext. 3158 or email dschappert@creativebenefitsinc.com

CIGNA Voluntary Term Life/AD&D Insurance - 100% Employee Paid

Amounts You: Increments of $10,000 up to 5 times salary to a maximum of $500,000

Your spouse: Increments of $5,000 to a maximum of $250,000 Your children: Choice of $2,500, $5,000 $10,000 or $25,000 Dependent life is covered at 100% of employee amount

Non-Medical Maximum Medical underwriting is not required up to these amounts if you and your dependents enroll when

first eligible:

You: 2 times salary to $250,000

Your spouse: $50,000

Your children: $25,000

These non-medical maximums apply only to employees enrolling for the first time. If you and/or your spouse

are increasing your current amount, you will be subject to medical underwriting for the amount in excess

of your current coverage. Child coverage is not underwritten by CIGNA.

Accidental Death and Dismemberment

This can be purchased separate from the voluntary life. The coverage amounts are the same as they are for life. However, medical underwriting is not required. Children’s Term Rider (Ages 14 to 24 years) Portability The coverage is fully portable at discounted group rates should you terminate your employment.

Eligibility You: You must be a full-time employee working 30 hours per week. Your spouse and children: You must apply for coverage in order for your spouse and children to be eligible. Dependent children are eligible from 14 days to age 26 if unmarried and claimed as a dependent on your tax return.

Benefit Reduction If you are still employed at age 70, your coverage will decrease to 65% of the benefit amount and then to

50% at age 75.

Employee Assistance Program

Do you need help managing stress and dealing with work-life challenges? Do you need assistance finding child care? Are you trying to quit smoking? Are you going through a divorce? Are you moving to a new area? Carebridge professionals are available to help you and your family members deal with work-life issues. Carebridge counselors have a minimum of 5 years of clinical experience, a master’s degree, and state licensure.

Examples of work-life topics with which you may need assistance are:

Child care – day care centers, nanny agencies, support groups, testing/assessments

Eldercare – adult day care, elder law, estate planning, home care, nursing homes

Stress Management

Grief/Loss

Adoption guidance

Relocation concerns – find a realtor, locate information about school districts, finding a mover

College planning – financial aid resources, beyond tuition payments, continuing education

Financial Planning- purchasing/selling a home, handling college costs, managing debt,

Smoking Cessation

Alcohol and drug abuse

Concierge/Convenience Services - pet services, cleaning services, travel arrangements

Special Needs – autism, diabetes, physical impairments, genetic disorders, ADD/ADHD

Counselors can be reached at 1-800-437-0911 on a 24/7/365 basis.

Just a few of the benefit/services you can access through Skanska’s EAP are: Unlimited telephonic interviews with a life management specialist Three face-to-face counseling visits One 30 minute telephone or face-to-face visit with a local attorney at no charge Consultations with financial professionals

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• Round-the-clock access to Carebridge’s interactive website at www.myliferesource.com Your Access Code for the site is: AM4RC

LiveHealth Online

LiveHealth Online

You can access medical care on a 24/7/365 basis through LiveHealth Online for only a $7.00 copay, if you are enrolled in one of Skanska’s medical plans. Board-certified physicians are available to address many of your medical issues wherever you happen to be.* Register at LiveHealthOnline so that medical care is just a click away.

Go to www.livehealthonline.com Click “Sign Up” at the top of the screen Provide name, date of birth, email address, location Select “Anthem Blue Cross Blue Shield” as your insurer

Choose a physician (click on the name to see a profile) Answer brief questions e.g. reason for your visit,

medical history (medications, allergies, etc.) Provide your pharmacy’s name and location Indicate method of payment

LiveHealth Online Psychology:

You can also select LiveHealth Online Psychology or LiveHealth Online Psychology for Teens for children ages 10-17 (you are able to register children to age 18 under your account). You can then schedule a session with a licensed therapist or psychologist (or speak with a provider immediately, if one is available). You can discuss issues such as anxiety, depression, grief or addiction during the 45 minute sessions. The copay is the same as your office visit copay and all therapists are in-network with Anthem.

24/7/365 Access to U. S. Board Certified Doctors

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Go to: www.livehealthonline.com *LiveHealth Online operates subject to state regulations and is not currently available in Texas and Arkansas. But you can register and use the service if you are traveling in another state. In California and Nevada, you can visit a Spanish-speaking doctor from 7 am to 11 pm, 7 days a week by selecting “Cuidado Medico” in the “My Services” menu.

The doctor is ALWAYS in… $7 Copay

Register

Start a Visit

Online Enrollment

The Open Enrollment site will be available from Tuesday, October 11, 2016 through the end of the day (12:00 PST) on Sunday, November 6, 2016.

During that time, you can make changes to your elections, enroll for the first time or cancel your benefits altogether.

If you don’t access the website to make changes to your benefits during that time, your elections will remain the same for 2017 as they are currently. You will also not be enrolled in the Flexible Spending Accounts for 2017.

You can access the benefits enrollment website at www.benxpress.com/skanska and log in as follows:

USER ID: Your User ID is your first initial and your entire last name. It is not case sensitive but please do not enter any punctuation (no apostrophes, hyphens, etc.).

PASSWORD: Your password is the last four digits of your Social Security Number.

You are able to enroll on a computer, tablet or smartphone. You can scan the website into your phone using the QR Code above. Please take some time to review your benefit options. Don’t forget to “Save” your elections and print your Confirmation Statement.

CBI Assistant Creative Benefits Mobile App

With the CBI Assistant, you’ll have insurance cards, benefit information and a contact list at your fingertips.

You can review your most recent Confirmation Statement, a plan summary and access benefit resources. You can also enter your Personal Health Data (your doctors’ numbers, your medications and your latest biometric screening results).

Just go to the app store on your iOS or Android device and search for CBI Assistant. For Blackberry devices, type http://bit.ly/10KtcsZ into your browser. Certain features are not available on the Blackberry version.

This app is available for use by all full-time salaried employees and spouses who are enrolled in Skanska’s benefits.

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Skanska has partnered with Creative Benefits, Inc. to provide assistance and service with your benefit needs. We encourage you to call one of the account managers below if you need help with any issues.

They can assist you in finding providers, researching claims, ordering ID cards, and answering benefit questions.

Call Creative Benefits, Inc. at 1-866-306-0200 Fax: 610-325-2687

Skanska’s CBI Team

Jay Rogers ext. 3115 Margaret Cottman ext. 3125 Deena Wiczalkowski ext. 3109

jrogers@creativebenefitsinc.com mcottman@creativebenefitsinc.com dwiczalkowski@creativebenefitsinc.com

For questions about Life/AD&D, Disability and FMLA

Dana Schappert ext. 3158 Kelly Fitzgerald ext. 3146 Pat Visek ext. 3138 Life, Disability, FMLA Life, Disability, FMLA Supplemental Disability dschappert@creativebenefitsinc.com kfitzgerald@creativebenefitsinc.com pvisek@creativebenefitsinc.com

For carrier contact information go to: www.creativebenefitsinc.com/skanska

Let Us Know How We Can Help

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