Benefits Summary UNUM - Group Term Life/AD&D & Voluntary Life/AD&D Plan

Transcription

1 UNUM - Group Term Life/AD&D & Voluntary Life/AD&D Plan Benefits Summary Basic employee life insurance 1x base annual earnings rounded to the next higher $1,000 to a maximum benefit of $300,000 Supplemental (voluntary) employee life insurance is available. Amounts in $10,000 increments up to the lesser of 5x your annual earnings or $500,000. The supplemental life amount is rounded to the next higher $1,000 ($500,000 maximum). Maximum supplemental (voluntary) employee life insurance At Open Enrollment: If you previously waived your participation in the Supplemental Life plan or you are increasing your current election above the Guarantee Issue amount (the lesser of 5x your annual salary or $200,000) you will be required to complete Evidence of Good Health prior to your election becoming effective. For New Hires: The Guarantee Issue Amount is equal to the lesser of 5x your annual salary or $200,000 and will not require Evidence of Good Health. Supplemental life insurance employee contributions You may purchase additional life insurance if you want more coverage. Your contributions may depend on some or all of the following factors: your age, the amount of coverage and your smoker status. Basic Accidental Death & Dismemberment (AD&D) Insurance Same as basic life Accidental death & dismemberment (AD&D) Supplemental (voluntary) employee AD&D insurance Available Supplemental AD&D employee contributions You may purchase additional AD&D insurance if you want more coverage. Your contributions may depend on some or all of the following factors: your age, the amount of coverage and your smoker status. Spouse Life Coverage Amount Amounts in $5,000 increments. The maximum amount of Life and/or AD&D insurance that you may purchase for your spouse cannot exceed of your Supplmental Life and/or AD&D insurance or $500,000. You must be participating in the Employee Supplemental Life plan to elect coverage for your spouse. This applies for Spouse AD&D coverage as well. Dependent life insurance At Open Enrollment: If you previously waived participation in the Spouse Life plan or you are increasing your spouse's benefit amount above the Guarantee Issue amount ($25,000) your spouse will be required to complete Evidence of Good Health prior to your election becoming effective. For New Hires: The Guaranteed Issue Amount is $25,000 and will not require Evidence of Good Health. Plan Year August 1, 2008 July 31, 2009 Page 1

2 Each Child Life Coverage Amount Amounts in $2,000 increments up to $10,000 for each dependent child. You must be participating in the Employee Supplemental Life plan to elect coverage for your child(ren). This applies for Dependent Child(ren) AD&D coverage as well. Dependent life insurance employee contributions Your contributions for Dependent life insurance depend on who's covered and the amount of coverage. Some additional factors may apply when calculating Dependent life insurance such as age and smoker status. Reduction Schedule Eligibility Eligible Employees When can participation begin? Your Life and AD&D Insurance will be decreased by 35% at age 65 and 50% at age 70. All Life and AD&D Insurance terminates when you retire. Full-time Employees First of the month following or coincident with your hire date. You must be actively-at-work on your effective date for your coverage to be effective. Plan Year August 1, 2008 July 31, 2009 Page 2

3 UNUM - Short-Term Disability (STD) Base Plan Benefits Summary Elimination Periods Benefit Duration Period Injury/Accident: 14 day(s) Illness/Sickness: 14 day(s) 11 weeks Income Replacement Level 60% of weekly earnings (up to maximum) Maximum Benefit Definition of Earnings for Disability (STD) Partial Employment Eligibility Eligible Employees When can participation begin? $1500 weekly Earnings mean your gross income as reported by Presidio. It includes your total income before taxes. It is prior to any deductions made for pre-tax contributions to a qualified deferred compensation plan, Section 125 plan, or flexible spending account. It includes income actually received from commissions but does not include bonuses, overtime pay or any other extra compensation or income received from sources other than Presidio, Inc. If during your disability you are able to return to partial employment, you may be eligible for partial benefits. in this case, a portion of your earnings will offset your disability benefit. Full-time Employees First of the month following or coincident with your hire date. You must be actively-at-work on your effective date for your coverage to be effective. Contributions Employee Only Contributions are not required Plan Year August 1, 2008 July 31, 2009 Page 3

4 Benefits Summary UNUM - Short-Term Disability (STD) Buy-Up Plan Elimination Periods Benefit Duration Period Injury/Accident: 14 day(s) Illness/Sickness: 14 day(s) 11 weeks Income Replacement Level 66 2/3% of weekly earnings (up to maximum) Maximum Benefit Definition of Earnings for Disability (STD) Partial Employment Eligibility Eligible Employees When can participation begin? $2500 weekly Earnings mean your gross income as reported by Presidio. It includes your total income before taxes. It is prior to any deductions made for pre-tax contributions to a qualified deferred compensation plan, Section 125 plan, or flexible spending account. It includes income actually received from commissions but does not include bonuses, overtime pay or any other extra compensation or income received from sources other than Presidio, Inc. If during your disability you are able to return to partial employment, you may be eligible for partial benefits. in this case, a portion of your earnings will offset your disability benefit. Full-time Employees First of the month following or coincident with your hire date. You must be actively-at-work on your effective date for your coverage to be effective. Plan Year August 1, 2008 July 31, 2009 Page 4

5 UNUM - Long-Term Disability (LTD) Base Plan Benefits Summary Definition Elimination period During the first 24 months of disability you are considered totally disabled if you are unable to perform the duties of your job. After the first 24 months, you are considered totally disabled if you are unable to work at any job for which you are qualified by experience or training. you may qualify for benefits even if you are partially disabled during the 90 day elimination period. 90 day(s) Income Replacement Level 60% of monthly earnings (up to maximum) Maximum Benefit Benefit Duration Period Partial Employment Eligibility Eligible Employees When can participation begin? $ monthly Benefits during any one continuous period of disability may be paid to up to age 65 or the Normal Retirement Age for total disability caused by injury or illness, or up to two years for total disability caused by a mental disease or disorder, or substance abuse. Your benefit may be reduced by other income benefits, such as Social Security benefits, state mandated disability plans and Workman's Compensation. If during your disability you are able to return to partial employment, you may be eligible for partial benefits. In this care, a portion of your earnings will offset your benefit. Full-time Employees First of the month following or coincident with your hire date. You must be actively-at-work on your effective date for your coverage to be effective. Contributions Employee Only Contributions are not required Plan Year August 1, 2008 July 31, 2009 Page 5

6 UNUM - Long-Term Disability (LTD) Buy-Up Plan Benefits Summary Definition Elimination period During the first 24 months of disability you are considered totally disabled if you are unable to perform the duties of your job. After the first 24 months, you are considered totally disabled if you are unable to work at any job for which you are qualified by experience or training. you may qualify for benefits even if you are partially disabled during the 90 day elimination period. 90 day(s) Income Replacement Level 66.67% of monthly earnings (up to maximum) Maximum Benefit Benefit Duration Period Partial Employment Eligibility Eligible Employees When can participation begin? $ monthly Benefits during any one continuous period of disability may be paid to up to age 65 or the Normal Retirement Age for total disability caused by injury or illness, or up to two years for total disability caused by a mental disease or disorder, or substance abuse. Your benefit may be reduced by other income benefits, such as Social Security benefits, state mandated disability plans and Workman's Compensation. If during your disability you are able to return to partial employment, you may be eligible for partial benefits. In this care, a portion of your earnings will offset your benefit. Full-time Employees First of the month following or coincident with your hire date. You must be actively-at-work on your effective date for your coverage to be effective. Plan Year August 1, 2008 July 31, 2009 Page 6

7 CIGNA Medical Core Plan General Provisions In-Network Benefits Out-of-Network Benefits Deductible Out-of-pocket maximum $ Individual / $1, Family $2, Individual / $4, Family $1, Individual / $3, Family $5, Individual / $10, Family Lifetime benefit maximum Unlimited $1,000, Copayments/Coinsurance In-Network Benefits Out-of-Network Benefits Physician's office visit Primary doctor's office Specialist's office Routine adult physicals Laboratory services (Diagnostic tests, labs, x-rays) Inpatient hospital (Semi-private room, board, tests, medications) Preauthorization of treatment $20 PCP or $30 Specialist co pay $20 PCP co pay per office visit; then Plan pays $30 co pay per office visit; then Plan pays $20 PCP or $30 Specialist co pay $20 PCP or $30 Specialist co pay Plan pays 80% after Plan pays 60% of Usual & Plan pays 60% of Usual & Plan pays 60% of Usual & Not covered Plan pays 60% of Usual & Plan pays 60% of Usual & Applies out-of-network only Inpatient hospital stays and certain outpatient treatments require authorization by the insurance company before the plan pays any benefits. Outpatient hospital Plan pays 80% after Plan pays 60% of Usual & Emergency room visit (for true emergency) $150 co pay per visit, plan waived $150 co pay per visit, plan waived *If not a true emergency, then Plan pays 60% after plan "Emergency" - the sudden onset of a medical or behavioral condition that causes sufficiently severe symptoms or pain. In the absence of immediate medical attention, the emergency could be expected to result in: > placing the health of the person in serious jeopardy (or placing others in jeopardy in the case of a behavioral condition) Plan Year August 1, 2008 July 31, 2009 Page 7

8 > serious dysfunction of any organ or body part > serious disfigurement > serious impairment to bodily functions Maternity care (prenatal and post-natal) Well-baby care/immunizations $20 PCP or $30 Specialist co pay $20 PCP or $30 Specialist co pay Plan pays 60% of Usual & Not covered Chiropractic care Physical therapy Mental health treatment $20 PCP or $30 Specialist co pay 24 days maximum per policy year $20 PCP or $30 Specialist co pay Includes Physical Therapy, Speech Therapy, Occupational Therapy, Pulmonary Rehab, Cognitive Therapy 90 days combined maximum per policy year Plan pays 80% after plan Plan pays 60% of Usual & 24 days maximum per policy year Plan pays 60% of Usual & Includes Physical Therapy, Speech Therapy, Occupational Therapy, Pulmonary Rehab, Cognitive Therapy 90 days combined maximum per policy year Plan pays 60% after plan Substance abuse treatment $30 co pay per office visit, then Plan pays Plan pays 80% after plan Plan pays 60% after plan Plan pays 60% after plan $30 co pay per office visit, then Plan pays Plan pays 60% after plan Plan Year August 1, 2008 July 31, 2009 Page 8

9 Prescription drug coverage Vision Care Retail: Up to 30 day supply $10.00 Generic co pay $25.00 Brand-name co pay $45.00 Non-formulary co pay Mail Order: Up to 90 day supply $20.00 Generic co pay $50.00 Brand-name co pay $90.00 Non-formulary co pay Eye care exam every 12 months. Reimbursement toward purchase of a pair of lenses or contact lenses every 12 months and frames every 24 months. $90 allowance per office visit Single Lens $78 Bifocal $160; Trifocal $190 Lenticular $215 Contacts (elective) $125; Contacts (med nec) $131 Frames $82 Eye care exam every 12 months. Reimbursement toward purchase of a pair of lenses or contact lenses every 12 months and frames every 24 months. $90 allowance per office visit Single Lens $78 Bifocal $160; Trifocal $190 Lenticular $215 Contacts (elective) $125; Contacts (med nec) $131 Frames $82 Plan Year August 1, 2008 July 31, 2009 Page 9

10 CIGNA Medical Standard Plan General Provisions In-Network Benefits Out-of-Network Benefits Deductible Out-of-pocket maximum $ Individual / $ Family $1, Individual / $2, Family $1, Individual / $2, Family $3, Individual / $6, Family Lifetime benefit maximum Unlimited Copayments/Coinsurance In-Network Benefits Out-of-Network Benefits Physician's office visit Primary doctor's office Specialist's office Routine adult physicals Laboratory services (Diagnostic tests, labs, x-rays) Inpatient hospital (Semi-private room, board, tests, medications) Preauthorization of treatment $15 PCP or $25 Specialist co pay $15 PCP co pay per office visit; then Plan pays $25 co pay per office visit; then Plan pays $15 PCP or $25 Specialist co pay $15 PCP or $25 Specialist co pay Plan pays 90% after Plan pays 70% of Usual & Plan pays 70% of Usual & Plan pays 70% of Usual & Not covered Plan pays 70% of Usual & Plan pays 70% of Usual & Applies out-of-network only Inpatient hospital stays and certain outpatient treatments require authorization by the insurance company before the plan pays any benefits. Outpatient hospital Plan pays 90% after Plan pays 70% of Usual & Emergency room visit (for true emergency) $150 co pay per visit, plan waived $150 co pay per visit, plan waived *If not a true emergency, then Plan pays 70% after plan. "Emergency" - the sudden onset of a medical or behavioral condition that causes sufficiently severe symptoms or pain. In the absence of immediate medical attention, the emergency could be expected to result in: > placing the health of the person in serious jeopardy (or placing others in jeopardy in the case of a behavioral condition) > serious dysfunction of any organ or body part Plan Year August 1, 2008 July 31, 2009 Page 10

11 Maternity care (prenatal and post-natal) Well-baby care/immunizations Chiropractic care Physical therapy > serious disfigurement > serious impairment to bodily functions $15 PCP or $25 Specialist co pay $15 PCP or $25 Specialist co pay $15 PCP or $25 Specialist co pay 24 days maximum per policy year $15 PCP or $25 Specialist co pay Includes Physical Therapy, Speech Therapy, Occupational Therapy, Pulmonary Rehab, Cognitive Therapy Plan pays 70% of Usual & Not covered Plan pays 70% of Usual & 24 days maximum per policy year Plan pays 70% of Usual & Includes Physical Therapy, Speech Therapy, Occupational Therapy, Pulmonary Rehab, Cognitive Therapy Mental health treatment Substance abuse treatment Prescription drug coverage 90 days combined maximum per policy year Plan pays 90% after plan $25 co pay per visit, then Plan pays Plan pays 90% after plan $25 co pay per visit, then Plan pays Retail: Up to 30 day supply 90 days combined maximum per policy year Plan pays 70% after plan Plan pays 70% after plan Plan pays 70% after plan Plan pays 70% after plan Plan Year August 1, 2008 July 31, 2009 Page 11

12 $10.00 Generic co pay $25.00 Brand-name co pay $45.00 Non-formulary co pay Vision Care Mail Order: Up to 90 day supply $20.00 Generic co pay $50.00 Brand-name co pay $90.00 Non-formulary co pay Eye care exam every 12 months. Reimbursement toward purchase of a pair of lenses or contact lenses every 12 months and frames every 24 months. Eye care exam every 12 months. Reimbursement toward purchase of a pair of lenses or contact lenses every 12 months and frames every 24 months. $90 allowance per office visit Single Lens $78 Bifocal $160; Trifocal $190 Lenticular $215 Contacts (elective) $125; Contacts (med nec) $125 Frames $82 $90 allowance per office visit Single Lens $78 Bifocal $160; Trifocal $190 Lenticular $215 Contacts (elective) $125; Contacts (med nec) $125 Frames $82 Plan Year August 1, 2008 July 31, 2009 Page 12

13 CIGNA - Medical Enhanced Plan General Provisions In-Network Benefits Out-of-Network Benefits Deductible Out-of-pocket maximum $ Individual / $ Family $ Individual / $ Family $ Individual / $1, Family $1, Individual / $2, Family Lifetime benefit maximum Unlimited $1,000, Copayments/Coinsurance In-Network Benefits Out-of-Network Benefits Physician's office visit Primary doctor's office Specialist's office Routine adult physicals Laboratory services (Diagnostic tests, labs, x-rays) Inpatient hospital (Semi-private room, board, tests, medications) Preauthorization of treatment $10 PCP or $20 Specialist co pay $10 PCP co pay per office visit; then Plan pays $20 co pay per office visit; then Plan pays $10 PCP or $20 Specialist co pay $10 PCP or $20 Specialist co pay Plan pays after Not covered Applies out-of-network only Inpatient hospital stays and certain outpatient treatments require authorization by the insurance company before the plan pays any benefits. Outpatient hospital Plan pays after Emergency room visit (for true emergency) $150 co pay per visit, plan waived $150 co pay per visit, plan waived *If not a true emergency, then Plan pays 80% after plan. "Emergency" - the sudden onset of a medical or behavioral condition that causes sufficiently severe symptoms or pain. In the absence of immediate medical attention, the emergency could be expected to result in: > placing the health of the person in serious jeopardy (or placing others in jeopardy in the case of a behavioral condition) Plan Year August 1, 2008 July 31, 2009 Page 13

14 > serious dysfunction of any organ or body part > serious disfigurement > serious impairment to bodily functions Maternity care (prenatal and post-natal) Well-baby care/immunizations Chiropractic care Physical therapy Mental health treatment $10 PCP or $20 Specialist co pay $10 PCP or $20 Specialist co pay $10 PCP or $20 Specialist co pay 24 days maximum per policy year $10 PCP or $20 Specialist co pay Includes Physical Therapy, Speech Therapy, Occupational Therapy, Pulmonary Rehab, Cognitive Therapy 90 days combined maximum per policy year Plan pays after plan $30 co pay per visit, then Plan pays Not covered 24 days maximum per policy year Includes Physical Therapy, Speech Therapy, Occupational Therapy, Pulmonary Rehab, Cognitive Therapy 90 days combined maximum per policy year Plan pays 80% after plan Plan pays 80% after plan Substance abuse treatment Plan pays after plan $30 co pay per visit, then Plan pays Plan pays 80% after plan Plan pays 80% after plan Prescription drug coverage Retail: Up to 30 day supply Plan Year August 1, 2008 July 31, 2009 Page 14

15 $10.00 Generic co pay $25.00 Brand-name co pay $45.00 Non-formulary co pay Vision Care Mail Order: Up to 90 day supply $20.00 Generic co pay $50.00 Brand-name co pay $90.00 Non-formulary co pay Eye care exam every 12 months. Reimbursement toward purchase of a pair of lenses or contact lenses every 12 months and frames every 24 months. Eye care exam every 12 months. Reimbursement toward purchase of a pair of lenses or contact lenses every 12 months and frames every 24 months. $90 allowance per office visit Single Lens $78 Bifocal $160; Trifocal $190 Lenticular $215 Contacts (elective) $125; Contacts (med nec) $125 Frames $82 $90 allowance per office visit Single Lens $78 Bifocal $160; Trifocal $190 Lenticular $215 Contacts (elective) $125; Contacts (med nec) $125 Frames $82 Plan Year August 1, 2008 July 31, 2009 Page 15

16 CIGNA Medical High Deductible Plan General Provisions In-Network Benefits Out-of-Network Benefits Deductible Out-of-pocket maximum $5, Individual / $15, Family $5, Individual / $15, Family $10, Individual / $20, Family $10, Individual / $20, Family Lifetime benefit maximum Unlimited $1,000, Copayments/Coinsurance In-Network Benefits Out-of-Network Benefits Physician's office visit Plan pays after Primary doctor's office Plan pays after Specialist's office Plan pays after Routine adult physicals Plan pays after Laboratory services (Diagnostic tests, labs, x-rays) Inpatient hospital (Semi-private room, board, tests, medications) Preauthorization of treatment Plan pays after Plan pays after Applies out-of-network only Inpatient hospital stays and certain outpatient treatments require authorization by the insurance company before the plan pays any benefits. Outpatient hospital Plan pays after Emergency room visit (for true emergency) Plan waived. Plan waived. *If not a true emergency, then 80% after plan. "Emergency" - the sudden onset of a medical or behavioral condition that causes sufficiently severe symptoms or pain. In the absence of immediate medical attention, the emergency could be expected to result in: > placing the health of the person in serious jeopardy (or placing others in jeopardy in the case of a behavioral condition) > serious dysfunction of any organ or body part Plan Year August 1, 2008 July 31, 2009 Page 16

17 Maternity care (prenatal and post-natal) > serious disfigurement > serious impairment to bodily functions Plan pays after Well-baby care/immunizations Plan pays after Not covered Chiropractic care Physical therapy Mental health treatment Plan pays after 24 days maximum per policy year Plan pays after Includes Physical Therapy, Speech Therapy, Occupational Therapy, Pulmonary Rehab, Cognitive Therapy 90 days combined maximum per policy year Plan pays after plan 24 days maximum per policy year Includes Physical Therapy, Speech Therapy, Occupational Therapy, Pulmonary Rehab, Cognitive Therapy 90 days combined maximum per policy year Plan pays 80% after plan Substance abuse treatment Prescription drug coverage Plan pays after plan Plan pays after plan Plan pays after plan Retail: Up to 30 day supply $10.00 Generic co pay $25.00 Brand-name co pay $45.00 Non-formulary co pay Mail Order: Up to 90 day supply Plan pays 80% after plan Plan pays 80% after plan Plan pays 80% after plan Plan Year August 1, 2008 July 31, 2009 Page 17

18 Vision Care $20.00 Generic co pay $50.00 Brand-name co pay $90.00 Non-formulary co pay Eye care exam every 12 months. Reimbursement toward purchase of a pair of lenses or contact lenses every 12 months and frames every 24 months. Eye care exam every 12 months. Reimbursement toward purchase of a pair of lenses or contact lenses every 12 months and frames every 24 months. $90 allowance per office visit Single Lens $78 Bifocal $160; Trifocal $190 Lenticular $215 Contacts (elective) $125; Contacts (med nec) $131 Frames $82 $90 allowance per office visit Single Lens $78 Bifocal $160; Trifocal $190 Lenticular $215 Contacts (elective) $125; Contacts (med nec) $131 Frames $82 Plan Year August 1, 2008 July 31, 2009 Page 18

19 CIGNA Dental Preferred Provider Organization (PPO) Plan General Provisions Calendar year Deductible Calendar year Maximum In-Network $50.00 individual/$ family Waived for preventive services. $1,100 $100 per year increase in annual maximum for using preventative services, up to $1,400. Out-of-Network $50.00 individual/$ family Waived for preventive services. $1,100 $100 per year increase in annual maximum for using preventative services, up to $1,400. The maximum is combined for in- and out-of-network services. Covered Services In-Network Out-of-Network Preventive services Plan pays > The is waived for preventive services. Plan pays 80% > The is waived for preventive services. Basic services Plan pays 80% after Plan pays 60% of Usual & Customary charges after Major services Plan pays 50% after Plan pays 40% of Usual & Customary charges after Plan Year August 1, 2008 July 31, 2009 Page 19

20 Vision Benefits of America (VBA) - Network Vision Plan Benefit VBA Participating Provider Amount Covered Non-Participating Provider Amount Reimbursed Vision Exam $40 Clear Standard Lenses (Pair) Single Vision $50 Bifocal $75 Trifocal $100 Lenticular $100 1 Year Scratch Protection N/A Polycarbonate Lens* N/A Frame OR Contacts includes vision exam allowance ** $50 Selected in Lieu of Glasses $150 $150 Medically Required UCR*** $300 Available In-Network at no charge for children under age 19. **Within the program's $50 wholesale allowance (approximately $100-$135 retail value). ***Usual, Customary and Reasonable as determined by VBA. Plan Year August 1, 2008 July 31, 2009 Page 20

21 HFS - Health Care Flexible Spending Account Plan General Provisions Minimum employee contribution Maximum employee contribution Eligible expenses IRS restrictions $ Annual $7, Annual In general, you can use the money to pay for: > Expenses not covered by your health care plans (e.g., copayments, coinsurance, amounts over usual and customary limits) > Most unreimbursed medical, dental, vision and/or hearing care expenses that are considered tax by the IRS, including expenses for your dependents such as your spouse and children. For more information, visit the IRS' website. Because of its tax advantages, rules and limitations are clearly defined by the IRS (including eligible expenses). > Use it or lose it - carefully estimate the amount you want to contribute. The IRS requires you to forfeit any amounts not spent by the end of the year. > The contribution election you make when you enroll generally must stay in effect for the entire calendar year. You cannot increase, decrease or cancel your contributions during the year unless you have a change in family status (e.g., marriage, divorce, birth or adoption of a child, etc.). Plan Year August 1, 2008 July 31, 2009 Page 21

22 HFS - Dependent Care Flexible Spending Account Plan General Provisions Minimum employee contribution Maximum employee contribution Eligible expenses IRS restrictions Eligible Dependents $ Annual Single or married filing a joint return $5, Annual Married filing a separate return $2, Annual In general, you can use your contributions to help pay for the cost of care for your eligible dependents so that you (or if you're married, you and your spouse) can work. For more information, visit the IRS' website. Because of its tax advantages, rules and limitations are clearly defined by the IRS (including eligible expenses). > Use it or lose it - carefully estimate the amount you want to contribute. The IRS requires you to forfeit any amounts not spent by the end of the year. > The contribution election you make when you enroll generally must stay in effect for the entire calendar year. You cannot increase, decrease or cancel your contributions during the year unless you have a change in family status (e.g., marriage, divorce, birth or adoption of a child, etc.). > Your children to age 13 > A spouse or other dependent of any age (such as parent) who is physically or mentally unable to care for himself or herself. Plan Year August 1, 2008 July 31, 2009 Page 22

23 Employee Assistance Program (EAP) Presidio understands how challenging it can be to balance your work and personal life, and we are committed to helping you achieve that balance! An Employee Assistance Program (EAP) is being provided for all Presidio Team Members and their family members at no cost. Confidential support is available by calling Ceridian's LifeBalance, 24 hours a day, 7 days a week. Face-to-face consultations: You and each of your dependents can consult with a local counselor up to three times per issue for short-term problem resolution. Referrals are provided by your EAP phone consultant. Your EAP consultant may refer you to your medical plan for more serious or longer term issues. After this period, services may transition to your medical carrier, depending on the diagnosis. Educational materials: Receive information on a variety of issues through LifeBalance's library of CD's and booklets. You can order free booklets and tapes and view and print over 500 articles via the online resources. Legal: Will Consultation Living wills Beneficiary assistance Attorney issues Consumer protection Estate and probate law Family and elder law Real estate issues Financial: Budgeting On-line financial calculations Credit card or loan problems Saving for college Tax questions Planning for retirement Everyday Living: Timesaving services Consumer resources Buying and leasing cars Real estate agents Education Elder Care Plan Year August 1, 2008 July 31, 2009 Page 23

24 Help is easy to access: Help is easy to access Telephone consultation: Speak confidentially, an unlimited number of times, with a master's level consultant to clarify your needs, evaluate options, and create an action plan. Consultants are available 24 hours a day, 7 days a week by calling (English), (Spanish), or (TTY/TDD). Face-to-face consultations: You and each of your dependents can consult with a local counselor up to three times per issue for short-term problem resolution. Referrals are provided by your EAP phone consultant. Your EAP consultant may refer you to your medical plan for more serious or longer term issues. After this period, services may transition to your medical carrier, depending on the diagnosis. Educational materials: Receive information on a variety of issues through LifeBalance's library of CDs and booklets. You can order free booklets and tapes and view and print over 500 articles via the on-line resources. Online resources: Access interactive tools, articles and free materials at user ID and password: lifebalance. Plan Year August 1, 2008 July 31, 2009 Page 24

25 Assist America - Travel Assistance Should you experience a medical emergency while traveling; one call to the toll-free number will help you get the assistance you need. The services offered include medical consultation and evaluation, medical referrals and medical care monitoring. If your emergency is such that you need to be hospitalized and it is determined that you cannot receive the appropriate care in your current location, the emergency medical assistance service will evacuate you by whatever means necessary to the nearest facility offering the level of care you need. There is no cost to you to access services. Assist America, Inc. pays for the services provided. The emergency medical assistance service will guarantee hospital admission. If necessary, funds can be forwarded to the hospital to ensure that you receive prompt medical treatment. If you are traveling alone and it seems likely that you will be hospitalized for more than seven days, the emergency medical assistance service will cover the transportation costs to fly a family member or friend to be with you. When you are ready to be discharged, if you still need ongoing medical care, the emergency medical assistance service will bring you home. A medical or non-medical escort will be provided, if necessary. The emergency medical assistance service also provides assistance with replacement prescriptions, emergency message transmission, care of minor children left unattended due to the medical incident, return of mortal remains, and legal or interpreter referrals. You or your health insurance plan are responsible for incurred medical expenses, just as if you were home. However, there is no charge to you or your employer for any of the services that the emergency medical assistance service arranges or provides. For additional information, you can go on-line to General questions regarding the service can also be ed to services@assistamerica.com. Plan Year August 1, 2008 July 31, 2009 Page 25