2015 Brinker Benefits PART-TIME HOURLY TEAM MEMBERS

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1 2015 Brinker Benefits PART-TIME HOURLY TEAM MEMBERS

2 Enroll Online any time, day or night at Step-by-Step Instructions 1. Go to 2. If this is your first time accessing a Brinker system online, click New User? to access BAM (Brinker Access Manager). If you have already accessed a Brinker system online, enter your User ID and password then skip to step Enter your User ID, which is your Employee ID listed on your paycheck (it s different from the number you use to clock in), and your default password. 4. Follow the onscreen instructions for creating your unique password. 5. When your password has been successfully created, log out of BAM and close the browser window. 6. Return to the BrinkerNation login page and enter your User ID and new password. 7. Once you ve logged into BrinkerNation, click Speed Key, Health & Wellness Center, then choose your employee group. 8. Click Enroll Online. 9. Enter your User ID and password. For extra security, you ll be asked to enter it twice. 10. Click Enroll in benefits and follow the onscreen instructions. Default Password Formula Example Password: TX Work State Abbreviation Birth Month and Year Last 4 Digits SSN ex: Texas = TX ex: January 1982 = 0182 ex: = 6789 Note: To maintain your privacy, please enroll outside the restaurant from any computer with Internet access (ex. home, public library, Internet café). Be sure to close any open browser windows once your enrollment is complete. Never leave a computer unattended while enrolling for benefits online. If you need help with online enrollment, need assistance in Spanish or if you don t have online access contact us at (866) RATED FOR GREAT!

3 Eligibility As a newly hired hourly team member, you are eligible for the part-time benefits explained in this guide. You have 31 days from your date of hire to elect coverage. After one year of service, you may become eligible for full-time benefits. (You must maintain a 12-month average weekly hours of 30 or more throughout the year to be eligible for full-time benefits.) Covering Your Dependents If you enroll, you can also cover your spouse or domestic partner and eligible children. If you want to enroll your domestic partner, go to the Health and Wellness Center at or call the Brinker Benefits Service Center at (866) to get the required domestic partnership form. You can cover your unmarried children up to age 26, including: Natural children Legally adopted children or children for whom you have legal guardianship Children of your domestic partner (with established Domestic Partnership) Children named in a Qualified Medical Child Support Order (QMCSO) requiring you to provide coverage Foster children Stepchildren Children of any age who are physically or mentally disabled and dependent on you for support (continuing proof of disability is required) Coverage Details When Coverage Begins Coverage will begin on the Sunday after your premiums are deducted from your paycheck and will continue as long as you keep making timely payments. When Coverage Ends Your coverage would end due to: Non-payment If you have unpaid premiums for all of your benefit plans for more than 2 consecutive bi-weekly pay periods (or 4 weekly pay periods), your coverage will be cancelled back to the last day you paid for. If payroll deducted and/or direct payments are received for some, but not all, of your benefit plans, you will have a gap in coverage for those plans where the premium was not paid. Employment ends Coverage is effective through the last day you paid for. Note: If your coverage ends because of non-payment or termination, you may be eligible for COBRA coverage.

4 When You Can Make Changes You can drop your medical, dental, life and disability benefits at any time during the year for any reason. If your coverage ends for any reason during the year, you can re-enroll once without a qualified family status change in all plans except for life and disability. If you drop coverage again, you will only be able to re-enroll at the next Open Enrollment, or if you have a qualified family status change*, such as you get married or have a baby. *You can only enroll in life and disability coverage as a new hire or during annual Open Enrollment. To change your coverage, call the Brinker Benefits Service Center at (866) within 60 days of the qualified family status change. Coverage changes will become effective on the first Sunday after your new premiums are deducted from your paycheck. If you ve cancelled your coverage, the cancellation will become effective on the first Sunday after you no longer have premiums deducted from your paycheck. Visit the Health and Wellness Center at for more detailed information about eligibility and your ability to make changes. HIPAA Special Enrollment Rights If you are declining enrollment for yourself or your dependent(s) (including your spouse/domestic partner) because of other health insurance coverage, you may be able to enroll yourself or your dependent(s) in the Brinker benefit plans in the future, as long as you request enrollment within 60 days after your other coverage ends. In addition, if you have a new dependent as a result of marriage, birth, adoption or placement for adoption, you may be able to enroll yourself and your dependent(s), as long as you request enrollment within 60 days of the marriage, birth, etc. Medical* Brinker offers three medical plans insured by Nationwide: Basic Plan Plus Plan Select Plan All three plans include these great features: No deductibles A broad network of providers (First Health Network) Coverage for doctor visits A prescription drug benefit You can use any doctor or facility, but you ll save money by using a provider in the First Health Network. To find a network provider, visit or call the Brinker Benefits Service Center at (866) Note: The First Health Network is NOT insurance. Your ID Card You ll receive one ID card for medical, prescription and dental. You ll also receive a separate card for the Health Service Discount Program. *This product is (a) not a substitute for minimum essential health coverage under the Affordable Care Act (ACA); and (b) does not qualify as minimum essential coverage under the ACA. there s an in BENEFITS

5 Health Service Discount Program* This program provides discounts on services not covered by a medical plan. Nurse Hotline Counseling Services Vision Care Chiropractic Care Hearing Health and Wellness Talk to a registered nurse for free. Talk to a personal counselor for free. Save up to 60% on eye exams, glasses, contacts and surgical procedures not covered by the vision plan. Get your initial consultation for free and save up to 50% on other services. Get a free hearing screening and save 15% on select hearing aids. Save up to 10% on vitamins and nutritional supplements. Note: The Health Service Discount Program is NOT insurance. It does not make payments directly to the providers. The Health Service Discount Program is not available to team members who live in the state of Vermont or Washington due to state regulations. To find participating providers, visit or call the Brinker Benefits Service Center at (866) *These benefits are administered by New Benefits, Ltd. Karis Patient Advocacy Program* If you have medical bills that exceed $2,500 for the treatment of a medical condition, you ll have the opportunity to be assigned a patient advocate who can help negotiate with the providers and work to identify your payment options. Their goal is to reduce your medical expenses. An information packet will be mailed to your home address if you become eligible for this program. Note: The Karis Patient Advocacy Program is NOT insurance. *All medical plans include the Health Service Discount Program and Karis Patient Advocacy Program. Getting The Most From Your Benefits Here s How: 1. Check to see if your doctor is in-network. Use First Health Network providers whenever possible. The savings can be pretty big because network providers charge discounted rates. Visit to find a health provider in the First Health Network. 2. Schedule your appointment. When scheduling your appointment, it is also a good idea to ask what the typical charge is for an office visit. This will help you understand how much of the bill you will have to pay. 3. Bring your Nationwide ID card with you to your office visit. 4. Ask about generic drugs. Generics have the same active ingredients as brand-name drugs, but cost an average of 60% less! 5. Pay your portion. The doctor s office will file the claim for you. If the office costs exceed your benefit amount, you will receive a bill from the provider for the remaining uncovered portion.

6 Medical Benefits at a Glance* Doctor s Office Benefit Outpatient Diagnostic Lab Work Outpatient Diagnostic X-Rays Inpatient procedure Outpatient procedure Outpatient minor procedure Outpatient Surgical Facility *Prescription Drugs FROM BASIC PLAN* $60 per day (8 days max per year) $75 per testing day (4 days max per year) $150 per testing day Note: These plans are underwritten by Nationwide Life Insurance Company. The difference between the per day benefit maximum and the allowed amount of the claim, if any, will be paid to the member. *Prescription Drugs are not underwritten by Nationwide. $200 per testing day (3 days max per year) $75 per day (2 day max per year) $100 per day (365 day max per year day lifetime max) $200 per day (30 day max per year) $50 per day (30 day max per year $50 per day (60 day max per year) $50 per day (30 day max per year PLUS PLAN* $75 per day (8 days max per year) $75 per testing day (4 days max per year) $150 per testing day $300 per testing day (3 days max per year) $75 per day (2 day max per year) $250 per day $1,000 per day (1 day max per year) $500 per day (1 day max per year) $100 per day (1 day max per year) 30% of the daily benefit amount paid for the covered surgical procedure $250 per day (1 day per year) $500 per day (365 day max per year day lifetime max) $1,000 per day (30 day max per year) $250 per day (30 day max per year $250 per day (60 day max per year) $250 per day (30 day max per year SELECT PLAN* $90 per day (8 days max per year) $90 per testing day (4 days max per year) $180 per testing day $500 per testing day (3 days max per year) $150 per day (1 day max per year) $250 per day $1,500 per day (1 day max per year) $750 per day (1 day max per year) $150 per day (1 day max per year) 30% of the daily benefit amount paid for the covered surgical procedure $500 per day (1 day per year) $800 per day (365 day max per year day lifetime max) $1,600 per day (30 day max per year) $400 per day (30 day max per year $400 per day (60 day max per year) $400 per day (30 day max per year $200 per day (60 day max per year) $15 Generic copay ($200 max per month) Discounts on Brand drugs Prescription Drug Discount Program Basic and Plus Plans By participating in the Basic or Plus plans, you are enrolled in a prescription drug discount program. This program provides discounts for some of the most commonly prescribed drugs. There is no annual limit so you can continue to use the discount program for as long as you are enrolled in the plan. Before heading to the pharmacy, do a little comparison shopping. Visit or call (800) to find the lowest cost for your prescription at several of your neighborhood pharmacies (such as Walgreens, CVS, Rite Aid and Target). Note: Pharmacy discounts are Not Insurance, and are Not Intended as a Substitute for Insurance. The discount is only available at participating pharmacies. Prescription Drug Discount Program Select Plans By participating in the Select plan, you are enrolled in an insured prescription drug program. This program has no deductible and provides copays for many generic drugs. It also provides discounts for brand name drugs. To find a pharmacy in your area or to obtain a generic drug list, visit Generic Drugs: $15 Copay $200 Monthly Maximum per Member 2015 Bi-Weekly Medical Costs Coverage Level Basic Plus Select You Only $20.64 $42.50 $64.46 You & Spouse/Domestic Partner $39.20 $86.30 $ You & Child(ren) $34.56 $75.36 $ You & Family $50.02 $ $ Important Notices: This program is not intended or recommended to replace any comprehensive program of insurance in which you currently participate, or intend to participate. This plan is not designed to replace or provide major medical or catastrophic coverage. This brochure is for summary purposes only. The insurance benefits for the medical indemnity plan are offered by Nationwide Life Insurance Company. A detailed Certificate of Coverage may be requested upon enrollment in the Program. Plan exclusions and limitations apply. Money Saving Tip Brand Drugs: Discounts Only Unlimited Brand Drug Discounts Ask your doctor if a generic drug will work for you. Generics have the same active ingredients as brand-name drugs, but cost an average of 60% less! And, you can buy with confidence knowing that the FDA ensures that generic drugs are just as safe and effective as their brand-name counterparts. TO

7 Dental The Dental Plan covers services like cleanings, X-rays, fillings and crowns. You can see any provider. Dental Benefits at a Glance For Preventive and Diagnostic Oral exams, cleanings, x-rays, fluoride treatments, etc. Basic Treatment Fillings, extractions, oral surgery, periodontics, endodontics, etc. Major Treatment Crowns, dentures, inlays, onlays, bridges, etc. Orthodontia Braces for children up to age 19 For All services Orthodontia Plan Pays 80% of UCR* after $25 calendar year deductible 80% of UCR* after $25 calendar year deductible 50% of UCR* after $25 calendar year deductible (must satisfy 12-month waiting period) 50% of UCR* after $25 calendar year deductible (must satisfy 12-month waiting period) Plan Benefits Are Limited To $1,000 per year $500 per lifetime *UCR (Usual, Customary or Reasonable) charges are the amounts charged for similar services and supplies in your area. You are responsible for paying any charges above the UCR charges. Note: This plan is underwritten by Nationwide Life Insurance Company 2015 Bi-Weekly Dental Costs Coverage Level Dental Plan You Only $11.44 You & Spouse/Domestic Partner $26.22 You & Child(ren) $23.56 You & Family $32.10 RATED FOR GREAT!

8 Life Insurance* To protect you from the unexpected, Brinker offers term life insurance for you and your family. You can choose from three coverage levels. If you choose coverage for yourself, this plan automatically covers your spouse or domestic partner and eligible children at the amounts listed below. Life Insurance Benefits at a Glance **Coverage also provides an accidental death benefit for you in a matching amount. Plan 1 Plan 2 Plan 3 Team member life insurance** $10,000 $20,000 $50,000 Spouse/domestic partner life insurance $5,000 $10,000 $10,000 Child life insurance (14 days and older) $2,500 (per child) $2,500 (per child) $2,500 (per child) Note: This plan is underwritten by Nationwide Life Insurance Company. Team member coverage reduces to 65% at age 65 and reduces to 50% at age Bi-Weekly Life Insurance Costs Plan 1 Plan 2 Plan 3 $2.22 $4.44 $11.08 Disability* Short-term disability (STD) benefits replace part of your pay when you can t work due to a non work-related illness or injury. Disability Benefits at a Glance*** Benefits begin Plan pays Benefits continue On the 15 th day of disability 50% of your base pay (including tips, but not overtime) Up to a maximum weekly dollar amount of $125 or $250, depending on which amount you elect Up to 26 weeks (continuing proof of disability is required) ***If you live in California, Hawaii, New Jersey, New York or Rhode Island, this benefit is not available. You automatically pay for state disability insurance. Note: This plan is underwritten by Nationwide Life Insurance Company Bi-Weekly Disability Costs $125 per week maximum $7.00 $250 per week maximum $14.00 *You can only enroll in life and disability coverage as a new hire and during annual Open Enrollment.

9 IMPORTANT Paying for Your Benefits There are some important things you need to know about paying for your benefits: You pre-pay for your benefits each pay period. Coverage will begin on the Sunday after your premiums are deducted from your paycheck and will continue as long as you keep making timely payments. Deductions for a plan will only be taken if you have enough money to cover the whole premium. For example, if after taxes, your check is $45 and your medical premium is $42.50 and dental premium is $11.44, a deduction for medical would be taken, but you would need to make a direct payment for dental because the full deduction couldn t be taken. Review your pay stub for your current missed premium due. Your missed premium amount for each pay period is displayed on your pay stub. You can also find this information online. Visit the Health and Wellness Center at click enroll online login, and click View Arrears and Average Hours. To get your total balance due, contact the Brinker Benefits Service Center at (866) You have 30 days to pay your missed premiums. If you have unpaid premiums for all of your benefit plans for more than 2 consecutive bi-weekly pay periods (or 4 weekly pay periods), your coverage will be cancelled back to the last day you paid for. If payroll deducted and/or direct payments are received for some, but not all, of your benefit plans, you will have a gap in coverage for those plans where the premium was not paid. Pay your outstanding balance by credit card, debit card or E-check. To pay by credit/debit card or E-check go to: If this is your first time visiting the site, use the New User? box and sign in using your Social Security number (SSN) and date of birth. If requested the Group ID is From there you will be prompted to verify your billing address and contact information (one time process). If you have already created a user account at IAmEnrolling.com, select the Returning User? box and enter your username and password. The Security Question tool can assist in instances where you cannot remember your username or password. Once logged in, click on the Billing tab at the top portion of the screen, then the Payment Method subtab. Complete instructions are located within the screen. Payments made by check or money order should include: A Missed Premium Payment form (located in the Health and Wellness Center at A check or money order payable to Nationwide Life Insurance Company Send your payments to: Nationwide Life Insurance Anderson Mill Road Austin, TX *This product is (a) not a substitute for minimum essential health coverage under the Affordable Care Act (ACA); and (b) does not qualify as minimum essential coverage under the ACA. **The Discount Health Savings Program is not insurance nor is it intended to replace insurance. This discount card program contains a 30 day cancellation period. This plan provides discounts at certain healthcare providers for medical services. This plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with the discount plan organization. For a full list of disclosures, visit This brochure is intended to be only an overview of the Brinker benefit plans. The complete details about how the plans work are included in the summary plan description (SPD) and insurance certificate booklets, which are available on request. If there are any inconsistencies between this brochure and SPD and insurance certificates, the SPD and insurance certificates will govern. Brinker reserves the right to change or end the Brinker benefit plans at any time. October 2014

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