Better Together. October 19, Dear Colleagues,

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1 & Better Together October 19, 2015 Dear Colleagues, We re devoting this issue of Better Together to one of our biggest annual employee initiatives Kindred Open Enrollment. For 2016, benefits enrollment begins November 5 and goes through November 24. It is especially important to note that ALL employees must enroll in benefits during open enrollment to be covered in As always, our goal is to offer the most affordable and robust package to our employees. So we are proud to bring the Kindred Benefits Marketplace to all of our employees, unifying all of us under one benefits system. The marketplace will offer web enrollment; a variety of health benefit plans from several vendors at different price points (including an HSA/high-deductible plan); dental and vision plans; life, disability and supplemental insurance; and voluntary benefit options that include critical care, auto and pet insurance. In short, by partnering with Mercer, a leading provider of benefits and human resources solutions, the new marketplace will provide our employees greater choice, flexibility, and the ability to better manage costs. Tools include personalized decision-making support to help employees make informed choices and select the benefits that best meet their individual and family needs. And it will allow you to monitor and manage your benefits throughout the year. We want to make sure that, as an employee with Kindred Healthcare, you understand not only what will be changing, but also why we re making the changes, and what these changes mean to you personally. We want to ensure that you have a solid understanding of the 2016 healthcare offerings, how to enroll in the benefits, and where you can turn for additional information that may be needed. KINDRED HEALTHCARE S MISSION is to promote healing, provide hope, preserve dignity and produce value for each patient, resident, family member, customer, employee and shareholder we serve. OUR KEY SUCCESS FACTORS Take Care of Our People Take Care of Our Patients, Residents and Customers Grow Be Efficient Manage Our Capital Wisely Organizational Excellence Through Performance Improvement Gentiva s Mission is to improve quality of life and patient independence through the delivery of compassionate care and uncompromising service.

2 To do that, we ve developed some new resources that will improve the open enrollment experience and provide valuable support during the process, including a webcast, benefits welcome brochure, online decision guide with links to webinars and decision-making tools and a staffed call center. Be sure to keep an eye out for s and mailings about the information materials and other open enrollment activities. Since all employees must enroll for benefits, as well as meet other requirements for dependent verification, we urge you to read through all the materials available to you. In addition, please reach out to your local leadership if you need help in managing your benefits decisions. Thank you for your commitment to bringing the best homecare to our patients and their families. Best regards, David Causby Frequently Asked Questions Our goal is provide you with transparent and open communications as decisions are made. If you have a question about the integration, you can access all published FAQs by going to: See the link below the Better Together table. If you have a question about the integration, we encourage you to see if your question has already been answered, but if it has not, please us at kindredathomebettertogether@kindred.com. BENEFITS Dependent Coverage Can I cover the same dependents on Kindred s plans that I covered on Gentiva s? There are a few differences. First, you can only cover the child(ren) of your Domestic Partner if your Domestic Partner is covered on the plan. Kindred permits you to enroll foster children, in addition to stepchildren and adopted children. For all dependents, however, you will need to provide verification documents. Why is Kindred asking for documentation to enroll my dependents? Kindred wants to ensure the plans are available to you and your eligible dependents on a cost-effective and legally compliant basis and one way we do this is to ensure only those that are truly eligible for benefits are added to our plans. What type of verification documents are needed to enroll my dependents in Kindred coverage for 2016? Acceptable dependent verification documentation includes: Spouse marriage license or copy of the first page of your most recent federal tax filing Child birth certificate, adoption paperwork, guardianship/custody paperwork or copy of the first page of your most recent federal tax filing Domestic Partner proof that you have shared a permanent residence for a minimum of six months and continue to do so currently, or a copy of the first page of your most recent federal tax filing; if you reside in a state that recognizes civil unions and

3 you have your civil union certification or domestic partner registry certificate, please provide. What is the deadline to provide dependent verification documentation - and how do I submit the documentation? In order to ensure your newly enrolled dependent s coverage is reflected in the carrier s system by January 1, 2016, you must submit the required documentation by the end of Open Enrollment on November 24, However, if you need more time, you have until December 18, 2015, at the very latest to submit the documentation to include your newly enrolled dependent on your plan for To submit your dependent verification, you may fax or the documentation, along with a cover sheet included on the Kindred Benefits Marketplace website ( > Resource Center). The cover sheet will be made available during Open Enrollment. However, don t delay, please gather your dependent documentation now. Wellness Does Kindred offer a wellness program? Yes. Kindred s Healthy Steps Wellness program is a multi-faceted approach to well-being comprised of a Well-Being Assessment (WBA), a Health Screening, online activities and telephonic coaching. By participating in the program you can save money on your medical premiums by earning the Healthy Rewards Rate. The program is available to employees and spouses/domestic partners enrolled in a Kindred medical plan. Visit for more details. Commuter Benefits Gentiva did not offer any commuter benefits. Does Kindred? Yes! Kindred allows you to enroll in Transportation Benefits, a program designed to allow you to pay for qualified commuting expenses on a pre-tax basis (aka commuter spending account). Benefits Contacts Who do I contact for benefit questions? If you have questions about your current 2015 benefits, you can still call the Gentiva Benefits Center at If you have questions about 2016 benefits, beginning October 19 you can call the Kindred Open Enrollment Benefits Center at Beginning November 25 and going forward, you may call the Kindred HUB for all of your benefits questions at Open Enrollment When will I have the opportunity to enroll in Kindred benefits? Kindred s Open Enrollment period will be November 5-24, If you want coverage for yourself and your dependents in 2016, you must enroll by November 24. Your current coverage will not continue after December 31. Just like Gentiva, if you miss the deadline to enroll, you will NOT have coverage in Beginning October 19, you may access benefit materials online at Enrollment begins on this same site on November 5. Payroll Deductions for Benefits When will I receive my first Kindred paycheck and how will benefits deductions be made? Your first paycheck with Kindred will depend on your facility and payroll frequency. If you are paid weekly, your first paycheck will be on January 8, 2016 (for the period of 12/26-1/1), and you will have one day of Kindred benefit deductions taken. If you are a corporate employee, your first paycheck will be on the January 8, 2016 paycheck (for the period of 12/26-1/2) and you will have two days of Kindred deductions taken. If you are paid semi-monthly, your first paycheck will be on January 13, 2016 (for period ending 12/31), and will not include any Kindred benefit deductions. If you are paid bi-weekly, your first paycheck will be on January 15, 2016 (for the period of 12/26-1/8), and you will have eight days of Kindred benefit deductions taken. When will the last 2015 benefit deductions be taken for Gentiva benefits? Good news! Your last 2015 deductions will be taken earlier this year, and your final paycheck of the year at Gentiva will have NO benefit deductions. If you are paid weekly, your December 24 paycheck will have your final 2015 benefit deductions (your 12/31 paycheck will have no benefit deductions). If you are paid bi-weekly, your December 18 paycheck will have your final 2015 benefit deductions (your December 31

4 paycheck will have no benefit deductions). If you are paid semi-monthly, your December 30 paycheck will have your final 2015 benefit deductions (your January 13 paycheck will have no benefit deductions). Keep in mind that this does NOT apply to 401(k), home and auto, or Ennis Foundation deductions; those amounts will be deducted from all paychecks unless/ until you make a change. Network Access Will I have to change my medical, dental, or vision providers in 2016? This will depend on the carrier/network you choose. You may want to confirm your providers are in-network prior to enrolling. You can do so by going to the carrier s website and conducting a provider search. You may also call the Kindred Open Enrollment Benefits Center if you need assistance. Health Savings Account (HSA) What is a Health Savings Account (HSA)? By enrolling in one of the three HSA-eligible plans you are eligible to participate in an HSA. An HSA is a tax-advantaged savings account you can use to help cover the cost of your healthcare. If I currently have an HSA through Optum Bank what will happen to it in 2016? If you enroll in an HSA in 2016 you will establish a new HSA through Mercer Marketplace and receive a new debit card. Your current HSA through Optum Bank will remain open and you can continue to use funds from it. However, you will no longer be able to contribute to it through payroll deduction. You have the option to roll over funds from your Optum Bank HSA to your new Mercer Marketplace HSA. Beginning January 1, 2016, visit to obtain the Mercer Marketplace HSA Funds Transfer & Contribution Instructions Form. How do I open an HSA? As long as you enroll in one of the three HSAeligible plans you will have the option to enroll in an HSA on the Kindred Benefits Marketplace website or on the phone with the Benefit Counselor. How do I make contributions to my HSA? You may make pre-tax contributions to your HSA through payroll deduction. You may also make aftertax contributions by making direct payments to your HSA account. Will Kindred make contributions to my HSA? Depending on the plan and coverage level you choose, Kindred may make contributions to your HSA. In order to receive any Kindred contributions, you must open your HSA through Mercer Marketplace. Please review the Decision Guide available at for additional details. Benefits Eligibility Are there any changes to benefit eligibility and enrollment windows for new hires? Yes. Employees are eligible for most health & welfare benefits the 1st of the month following 60 days of continuous full-time employment. If the 60th day is the first day of the calendar month then coverage is effective that day. Employees must enroll within 31 days of their hire date or change to an eligible status. Employees are eligible for disability benefits after completing 12 months of continuous full-time employment (auto-enrolled). Employees hired on or before 12/2/15 at Gentiva will be eligible for Kindred benefits effective January 1, 2016, including disability. Employees hired on or after 12/3/15 are subject to Kindred s waiting periods, including the one-year wait for company-paid disability. I just enrolled in 2015 Gentiva benefits. Do I have to enroll in another system for 2016 benefits? Yes. You must actively enroll in 2016 benefits on the Kindred Benefits Marketplace at no later than November 24, 2015 to have benefits in Help Understanding Benefits - HUB What is the Kindred HUB? When do I call the HUB? For benefits questions, the Kindred HUB is the only number you need to know. Just call the Kindred

5 HUB for the benefit support you need, all in one place. The Kindred HUB, which stands for Help Understanding Benefits, is designed to make managing your benefits easier and help you take advantage of the many programs and resources Kindred offers. Benefit Specialists are available Monday through Friday, 7 am to 9 pm, ET. The number is Kaiser Will Kaiser be offered in 2016? Yes; however, Kaiser will be offered only in California. Insurance Cards Will I receive my new insurance cards by January 1, 2016? If you complete your enrollment by November 24, and provide all dependent verificaiton documentation by November 24, you should receive your ID cards by January 1, Life Insurance Will my supplemental life insurance election carry over to 2016? Yes, the amount of your life insurance coverage will automatically carry over, but the carrier and certain plan provisions will be different. Most importantly, the maximum amount will be limited under the new plan, as the Kindred plan allows elections up to 5x salary instead of 6x salary. If you elected 6x salary, your election will be reduced to the maximum available under the plan (5x). However, you may elect additional whole life insurance as a voluntary benefit on the Marketplace. Does Kindred provide company-paid life insurance? Kindred provides eligible employees with companypaid life insurance of one times your annual base salary. Will my dependent life insurance change in 2016? Yes, you will have many more options, and can elect up to $10,000 in coverage for your eligible dependent child(ren) and $50,000 for your spouse. I recently enrolled or made a change to my supplemental life insurance through Gentiva and was advised to complete an Evidence of Insurability form, but I have not yet completed it or been approved. Will I still have the higher level of coverage when this transitions to Kindred benefits on January 1? If you do not complete the Evidence of Insurability (EOI) process with Gentiva and receive approval on or before December 31, you will NOT be entitled to the higher level of life insurance benefits. Your 2016 life insurance coverage will be the coverage you had in place with Gentiva on December 31, 2015, subject to the limit of 5x salary. Long-Term Disability Does Kindred offer Long-Term Disability coverage? Kindred provides Long-Term Disability coverage at no cost to eligible employees when you are unable to work due to an illness, maternity, or injury. MetLife Home and Auto Insurance I am currently enrolled in MetLife Home or Auto insurance through Gentiva. Will that change in 2016? No, you can continue your current MetLife coverage through convenient payroll deductions in Policies will be transitioned from Gentiva to Kindred. General What are the main differences between Gentiva s 2015 benefits package and Kindred s 2016 benefits package? Both packages are provided to you through a Private Exchange, which allows you the opportunity to select the benefits plan that works best for you and your family. Although you will notice similarities with the networks (BCBS, UHC, etc), plan features and benefits (HSAs, FSAs, etc), the plans are different. Kindred s plans are designed to promote consumerism and wellness, and there are no copayments. You are encouraged to contact the Kindred Open Enrollment Benefits Center to learn more about these features. Kindred also offers a comprehensive array of voluntary benefits, including

6 identity theft, hospital indemnity, critical accident coverage, and pet insurance. Kindred provides you with short-term and long-term disability coverage at no cost. Part-Time Benefits Are part-time employees or per diem employees eligible for benefits at Kindred? Yes. Per Diem employees are eligible for hospital indemnity, accident, critical illness, identify theft protection, legal, and pet insurance through direct bill, meaning payment is handled directly between the employee and the carrier. Part-time employees are eligible for these same benefits plus vision and are able to have their premiums withheld through convenient payroll deduction. Additionally, both per diem and part-time employees are eligible for PerkSpot online discounts mall. Transition of Care What if I am (or my covered spouse/domestic partner is) in the third trimester of pregnancy at the time of the transition; will I (or my covered spouse/domestic partner) have to change my obstetrician? You will need to work through the transition of care department with the new provider. What if a covered member is being treated for cancer or another life threatening illness at the time of the transition; will that covered member have to change specialists? You will need to work through the transition of care department with the new provider. If an employee is on Short-Term Disability in December, how will the transfer between benefits be handled? If the disability occurred on or before December 31, 2015, it will follow the current Gentiva plan and benefit. 401(k) What happens to my Gentiva 401(k) account? Your 401(k) account will be merged into the existing Kindred plan, whose service provider is T. Rowe Price, effective January You will receive more detailed information about these changes in December.