Supplemental Insurance Plans

Transcription

1 Supplemental Insurance Plans Honda offers a number of supplemental insurance programs to meet the varying needs of our associates. For More Information Administrative details and procedures for appealing a claim can be found in the Administrative Information section. Supplemental Insurance Plans HAM/EGA/HNA 181 January 1, 2014

2 Table of Contents Optional Life Insurance Who Is Eligible When Coverage Begins Cost Life Insurance Coverage Benefits Special Situations When Coverage Ends Survivor Medical Insurance Program Who Is Eligible When Coverage Begins Cost Coverage Special Situations When Coverage Ends Group Auto Insurance Who Is Eligible When Coverage Begins Cost Coverage Special Situations When Coverage Ends Group Homeowners Insurance Who Is Eligible When Coverage Begins Cost Coverage Special Situations When Coverage Ends Group Legal Plan Who Is Eligible When Coverage Begins Cost Coverage Special Situations When Coverage Ends Supplemental Insurance Plans HAM/EGA/HNA 182 January 1, 2014

3 Optional Life Insurance You can elect additional life insurance for yourself, as well as for your spouse and eligible children. You have two options from which to choose: Group Universal Life (GUL) Insurance or Supplemental Term Life Insurance Both options are underwritten by MetLife Insurance Company (MetLife). You may choose only one additional life insurance option; you, your spouse and your children may not be enrolled in both options or covered under two plans (e.g., covered as an associate and as a spouse). The optional life insurance benefits described in this section are subject to the terms and conditions of the group insurance policy issued by MetLife. If you are approved for GUL coverage or Supplemental Term Life Insurance coverage, you can receive a certificate of insurance describing your coverage in greater detail. Highlights Cost Per Pay Who Is Covered Coverage Begins Pays Benefits Special Features Coverage Ends Administered by Paid by you through payroll deduction If elected, eligible associates and/or their eligible dependents The first of the month following approval from MetLife In the event of covered person s death from any cause* You can continue GUL and Supplemental Term Life coverage after you leave Honda or are no longer eligible With GUL, you also can save after-tax dollars in a cash accumulation account The day your Honda employment or eligibility ends unless you opt to continue your coverage by direct bill GUL and Supplemental Term Life Insurance are both insured by MetLife and administered by the Honda Benefits Service Center * Benefit limitations apply for suicide. See your plan certificate of coverage for details. Who Is Eligible You are eligible for optional life insurance if you are a regular associate who routinely works at least 16 hours per week. The new hire eligibility period begins the first of the month following three full months of employment. You can also elect to cover your: Legally married spouse (as recognized by the federal government; excluding a spouse from whom you are legally separated) Same gender domestic partner and Dependent children from birth up to the end of the month they reach age 26 if they are eligible for healthcare coverage Optional Life Insurance HAM/EGA/HNA 183 January 1, 2014

4 You are not eligible if you: Are an active Honda associate who has a regular work schedule of less than 16 hours per week Are a self-employed person who provides services to Honda through an agreement between Honda and you Are employed by or obtain your employment through a company that provides temporary workers to Honda or Are a student or temporary associate When Coverage Begins Coverage is effective on the first day of the month after coverage is approved by MetLife. New Hire You are eligible for Optional Life the first of the month after three full months of consecutive employment. You must enroll within 31 days of your hire date to qualify for the special enrollment period. This opportunity allows you to apply for coverage up to 2 your base annual earnings (to a maximum of $450,000) and your spouse, if applicable, for coverage up to $50,000 with limited underwriting. Any amounts above this are subject to Statement of Health (SOH) review and approval. You may enroll after your initial special enrollment period but will be subject to SOH review and approval. Life Events If you experience a qualified life event such as a marriage, birth or adoption, you are eligible to apply for additional coverage with limited underwriting for an additional 1 your base annual earnings (not to exceed 5 base or $1,500,000). A newly eligible spouse may be eligible for coverage up to $50,000 with limited underwriting. Any amounts beyond this for you or your newly eligible spouse are subject to SOH review and approval. You must request the coverage change within 31 days of experiencing the life event. Annual Enrollment Each year during annual enrollment you will have the opportunity to request additional coverage. You may request an additional 1 base annual earnings (maximum of 5 base or $1,500,000 coverage) during this time with no SOH review. You may request up to 5 your base annual earnings; however, keep in mind that SOH review and approval is required whenever you increase coverage by more than 1 base annual earnings at one time. Your spouse will be subject to SOH if you elect spousal coverage at any time, including during annual enrollment. Changes in Dependent Eligibility Contact the Honda Benefits Service Center at or from 10:00 a.m. - 9:00 p.m. ET, Monday - Friday to: Add coverage for a new spouse or Report eligibility changes, such as a child reaching an age limit or divorce or legal separation Optional Life Insurance HAM/EGA/HNA 184 January 1, 2014

5 These changes should be reported within 31 days of the event. If your dependent s coverage ends, he or she may qualify for continued coverage. Important Note! You are responsible for ensuring that only eligible dependents are covered under the plans offered by Honda and for providing accurate and up-to-date dependent information. If a dependent s status changes, you must immediately report the status change to the Honda Benefits Service Center. Failure to do so or providing false information about your dependents could result in loss of elected benefits or in corrective action. Cost You authorize Honda to deduct premiums for coverage from your paycheck after taxes. Your total GUL premium may consist of: Life insurance premium(s) based on the covered person s age and desired amount of coverage and If elected, your cash accumulations account contribution. See Cash Accumulation Account GUL Plan on page 187 for information about that GUL plan feature Your Supplemental Term Life premium is based on the age of the insured person(s) and desired amount of coverage. Coverage under these plans is described in Life Insurance Coverage. How to Enroll For information about GUL coverage or Supplemental Term Life Insurance or to enroll in that coverage, contact the Honda Benefits Service Center at or by calling from 10:00 a.m. - 9:00 p.m. ET, Monday - Friday. Life Insurance Coverage You can choose from the following coverage amounts for you, your spouse and/or eligible children under this plan. The GUL allows you to cover your spouse even if you do not elect coverage for yourself. To cover your eligible children, you or your spouse must be enrolled. The same coverage amounts and options apply under both plans. However, keep in mind that you can choose to enroll in only one of these benefits; you cannot elect both. For You For Your Spouse For Your Children 1 base annual earnings* 2 base annual earnings* 3 base annual earnings* 4 base annual earnings* 5 base annual earnings* Minimum: $10,000 Maximum: $1.5 million Any multiple of $10,000 from: $10,000 (minimum) to $200,000 (maximum) Coverage applies to all eligible children: $10,000 for each eligible child from birth to age 26 if eligible for healthcare coverage * Base annual earnings means your regular base wage rate, excluding overtime, shift premium, bonus, expense allowances or other special compensation. If these amounts are not a multiple of $1,000, they are rounded up to the next $1,000. Optional Life Insurance HAM/EGA/HNA 185 January 1, 2014

6 The following Highlights of Plan Choices table shows the key features available under both of these optional life insurance plans. Highlights of Plan Choices Plan Feature Group Universal Life (GUL) Supplemental Term Life Portability of policy at affordable group portability rates if employment ends (for non-disability Yes until age 98 Yes until age 80 reasons) Coverage at retirement Yes Yes Conversion of policy to whole life individual Yes Yes MetLife policy within 31 days of termination or loss of eligibility Contributions to Cash Accumulation Fund that acts as a savings vehicle with guaranteed minimum annual interest rate. Policy owner may Yes No borrow from this fund or use to fund premiums if necessary Spouse can own his or her policy as your eligible dependent Covered spouse can name a beneficiary of his or her choice Yes Yes No No How Much Life Insurance Do You Need? Once you decide that you need life insurance, how much is enough? A general rule of thumb suggests an amount equal to at least five to eight times your salary, depending on a number of factors: Your age and stage of life How many children you have and their ages How much your spouse earns (if your spouse is employed full- or part-time) How much you have in savings and investments Your ongoing living expenses Future goals in your financial plan, such as college educations or retirement Other Things to Consider If you are Single and in Your 20s. You may not need much insurance, if any. Keep in mind that you should have sufficient cash available to meet any outstanding debt, in addition to your final expenses Married with Young Children. You may need additional insurance since most young families have little savings and big responsibilities. If you die prematurely, life insurance provides your spouse and children with the support they require plus critical resources for future needs A Single Parent and Sole Breadwinner. You need enough life insurance to cover day care and other living expenses, as well as to help provide for your child s college education Optional Life Insurance HAM/EGA/HNA 186 January 1, 2014

7 Married with No Children. If you own a home and significant assets, life insurance can help your spouse hold onto what you both worked so hard to achieve Married with Children in College and/or Elderly Parents. The unexpected death of one spouse could force the surviving spouse to deplete retirement savings in order to pay for college expenses or to care for older parents Older, Married and Have Grown Children. You may need a minimal amount of life insurance if your savings and other assets provide an adequate financial cushion for your spouse When Coverage Amounts Change Contact the Honda Benefits Service Center at or by calling from 10:00 a.m. - 9:00 p.m. ET, Monday - Friday to request changes to your GUL coverage or Supplemental Term Life Insurance. Satisfactory evidence of good health must be provided if you request any increase in coverage for you or your spouse. Requested changes are not effective until approved by MetLife. With the automatic increase option, your coverage amounts (described in Life Insurance Coverage on page 185) change automatically as follows provided you are actively at work: Your coverage changes effective each January 1 based on your annual base pay as of the prior October 1 Your spouse s GUL coverage increases by $10,000 on each January 1 up to the maximum of $200,000 Cash Accumulation Account GUL Plan The GUL plan offers a cash accumulation account option to help you save for current or future financial needs. You can elect to participate in the GUL cash accumulation account if you have life insurance coverage under this plan. This feature is also available to your spouse if he or she is enrolled for the life insurance coverage. When you enroll, you decide how much to deposit to the account each month in after-tax dollars. You can also make lump sum deposits. You can change your savings stop, start, increase, decrease at any time by contacting the Honda Benefits Service Center at or by calling from 10:00 a.m. - 9:00 p.m. ET, Monday - Friday. Your cash accumulation account earns tax-deferred interest at market rates, with a minimum rate guaranteed. You can also access your savings through loans. Cash Accumulation Loans GUL Plan You may request a loan from your cash accumulation account at any time by calling MetLife at The minimum loan amount is $200. There are no processing fees for a loan, but interest is charged for the loan. Loans may be repaid in a lump sum payment or in installment payments. Optional Life Insurance HAM/EGA/HNA 187 January 1, 2014

8 For More Information You should contact the Honda Benefits Service Center at or by calling if you: Have questions about this plan Want to change life insurance coverage, cash accumulation account amounts or beneficiaries Need to file a claim for a spouse or dependent, or to continue coverage after employment ends Need to request direct billing for spouse after divorce Need to request direct billing/stopping coverage for dependent children no longer eligible for child coverage Benefits In the event of your death, the amount of your current optional life insurance coverage plus any amount in your cash accumulation account is paid to the beneficiary you name. If no beneficiary is designated (or the beneficiary is not then living), amounts are paid as described in the certificate of insurance. Death benefits for your covered spouse and/or children are paid to you unless another beneficiary is named. All death benefits are paid income tax-free; however, interest earned on your cash accumulation account is taxed. Naming a Beneficiary You may name or change your beneficiary by contacting the Honda Benefits Service Center at or by calling Claims If you should die, a family member or beneficiary should notify the Honda Benefits Department or the Honda Benefits Service Center at as soon as possible. He or she will get more information about filing a claim and documents he or she will need to provide as proof of loss. Special Situations If you are on an approved leave of absence, you will be billed directly for the premiums and you must make payments to continue coverage. Important Note! It is important not to allow your coverage to lapse as you will be subject to Statement of Health (SOH) review and approval to be reinstated. If you have an approved leave of absence for your own medical condition, premiums for your policy may be waived if you become permanently and totally disabled. You can request Waiver of Premium paperwork after approximately five months of leave by contacting the Honda Benefits Service Center at If your claim is approved, you will continue to pay for your spouse s policy, if any. Optional Life Insurance HAM/EGA/HNA 188 January 1, 2014

9 When you go on leave of absence, you will be billed directly for your optional life insurance coverage. You will receive a monthly invoice from Conexis Corporation. It is important not to allow your coverage to lapse as you may be subject to a Statement of Health (SOH) review and approval to be reinstated. Once you return to work, your paycheck deductions will begin the first of the month following the return date. When Coverage Ends Unless you elect to continue coverage, your optional life insurance coverage will end for you and your dependents on the earliest of: The last day your Honda employment ends The last day your (or your dependents ) plan eligibility ends The date you fail to pay the required premiums while on a leave of absence or The date the plan ends Portable Coverage Your Supplemental Term Life or GUL coverage is portable, which means you may keep coverage even if you leave Honda or retire, as long as the policy is in effect. As a retiree, you can continue coverage for yourself and/or your dependents at Honda group rates by paying premiums directly to the insurance company. If you have a cash accumulation account, you can cash it in or use the money to pay premiums, purchase paid-up coverage or an annuity. You will be sent conversion/portability information directly from MetLife approximately three (3) weeks after your termination/retirement. Contact MetLife at if you do not receive your conversion/portability information timely. Rates and guarantees may change for continued coverage. Converting Coverage If you leave employment or lose eligibility for coverage, you have the option of converting your GUL coverage or Supplemental Term Life Insurance to an individual policy. You will be sent conversion/portability information directly from MetLife approximately three (3) weeks after your termination/retirement. Contact MetLife at if you do not receive your conversion/portability information timely. Rates and guarantees may change for continued coverage. Optional Life Insurance HAM/EGA/HNA 189 January 1, 2014

10 Survivor Medical Insurance Program The Survivor Medical Insurance Program lets you buy extended medical and prescription drug coverage for your eligible dependents if you die while you are working at Honda. Highlights Cost Per Pay Coverage Begins Pays Benefits for Special Features Coverage Ends Administered by Amount you pay is based on your age January 1 or first of month following an eligible associate s date of hire Extended medical/prescription drug coverage for an associate s eligible dependents in the event of his/her death Eligible dependents receive medical/prescription drug coverage at no cost for five years When you become eligible for retirement or leave Honda The Survivor Medical Insurance Program is administered by the Honda Benefits Service Center. Aetna is the claims payor Who Is Eligible All regular associates are eligible to participate. When you enroll, all of your eligible dependents are covered under the plan. Eligible dependents include your: Legally married spouse and Child(ren) up to age 26 You are not eligible if you: Are eligible for retirement (e.g., age 55 with 10 or more years of service) Are a self-employed person who provides services to Honda through an agreement between Honda and you Are employed by or obtain your employment through a company that provides temporary workers to Honda Are a student or temporary associate or Are an associate of an international affiliate on assignment at Honda Survivor Medical Insurance Program HAM/EGA/HNA 190 January 1, 2014

11 When Coverage Begins You can enroll in the Survivor Medical Insurance Program: During the annual enrollment period or Within 31 days of a qualified life event status change (see the Life Events section) If you are a new associate who is eligible, you must enroll within 31 days of your hire date. If you do not enroll during the 31-day period, your next opportunity will be the next annual enrollment period, unless you have a qualified life event status change. Coverage begins on the earliest of the following: January 1 of the next plan year if you enroll during the annual enrollment period The first day of the month following your date of hire if you are a new associate As soon as possible if you enroll due to a qualified life event status change Cost Your cost for coverage is similar to optional life insurance in that the amount you pay is based on your age. Contact the Honda Benefits Service Center at or by calling from 10:00 a.m. - 9:00 p.m. ET, Monday - Friday for rate information. Coverage Note Your contributions for Survivor Medical Insurance are made with after-tax dollars. Honda automatically provides all eligible associates with medical/prescription drug, dental, and vision coverage for their spouse and eligible dependents for 12 months following their death. By enrolling in the Survivor Medical Insurance Program, you can extend medical/prescription drug coverage for an additional five years for your eligible dependents, for a total of six years of coverage. After six years, your eligible dependents can purchase coverage at 50% of the applicable COBRA rates. Here is an overview of the coverage provided under the plan: Includes all eligible dependents Medical/ prescription drug coverage Coverage Type Automatic 12- Month Coverage 5-Year Survivor Medical Insurance Extension Survivor Medical 50% COBRA Rates Dental * N/A * Vision * N/A * * Available by paying normal COBRA rates for up to 36 months (three years). Retiree Medical Survivor Medical Insurance Program HAM/EGA/HNA 191 January 1, 2014

12 An Example The following example shows how the plan works for dependents of a covered associate who dies in June Survivor Medical Insurance Program Enrolled in Plan for 2015 June 2015 June 2016 July 2016 June 2021 Beginning July 2021 Automatically covered under Honda s healthcare programs: medical/prescription drug Coverage provided through Survivor Medical Insurance Program for five additional years: Eligible dependents can continue medical/prescription drug coverage at discounted COBRA dental vision medical/prescription drug Special Situations If you are on an approved leave of absence, you will be billed directly for premiums and you must make payments to continue coverage. When Coverage Ends Participation in the plan ends when you become retirement eligible or leave Honda. However, retirees are eligible for medical/prescription drug coverage under the Retiree Medical Plan. Survivor Medical Insurance Program coverage ends for your dependents when one of the following occurs: Your spouse remarries Your spouse/dependent becomes eligible for Medicare disability Your child(ren) no longer qualify as an eligible dependent(s) under Honda s medical plan Your spouse/dependent does not make the required contributions after he/she has received five years of Survivor Medical Insurance Program coverage at no cost or A dependent submits a false or fraudulent claim Survivor Medical Insurance Program HAM/EGA/HNA 192 January 1, 2014

13 Group Auto Insurance Group Auto Insurance gives you the option of purchasing comprehensive auto insurance coverage. Highlights Cost Per Pay Coverage Begins Pays Benefits for Special Features Coverage Ends Administered by Depends on type of coverage you choose; paid by you through payroll deductions Can enroll at any time during year; coverage begins as soon as administratively possible after you enroll Auto liability, medical, collision/comprehensive, uninsured/under-insured drivers Helps pay benefits to survivors if an accident results in death Can cancel at any time; can convert coverage to individual policy if you leave Honda Mercer Voluntary Benefits; insured by Travelers Indemnity Company or MetLife Important Note The group auto benefits described in this section are subject to the terms and conditions of the group insurance policy issued by the carrier. If you are approved for insurance coverage, you will receive a certificate of insurance describing your coverage in greater detail. Who Is Eligible You are eligible for Group Auto Insurance if you are a regular associate who routinely works at least 16 hours per week. You are not eligible if you: Are an active Honda associate who has a regular work schedule of less than 16 hours per week Are a self-employed person who provides services to Honda through an agreement between Honda and you Are employed by or obtain your employment through a company that provides temporary workers to Honda Are a student or temporary associate or Are an associate of an international affiliate on assignment at Honda When Coverage Begins You can enroll in Group Auto Insurance coverage at any time during the year. Coverage begins as soon as administratively possible after you enroll. Group Auto Insurance HAM/EGA/HNA 193 January 1, 2014

14 Cost Your cost for coverage is based on the type of coverage you choose. For a quote, contact Mercer Voluntary Benefits at or log in to Please have the following information available when calling or visiting the website: Your current auto policy Vehicle identification numbers Year, make and model of your vehicle Your driver s license number Driver s license numbers for other eligible drivers in your household Coverage When you enroll in Group Auto Insurance, you may receive the following coverage: Liability. Applies to property damage or injuries that you cause to other people while driving Medical. Applies to medical treatment for you and your passengers if you are in an accident Collision/Comprehensive. Collision applies to the damage to your car up to the book value of your car in an accident that you cause. Comprehensive applies to other kinds of damage or loss from theft, vandalism, natural disasters, etc. Uninsured/Under-Insured Drivers. Applies to your costs if a driver can not pay for injuries to you and/or your passengers Other Options. Towing and car rental are available This coverage can also help to offset the cost of: Bodily injuries to yourself or others Lost wages due to injury Benefits to survivors if an accident results in death Lawsuits brought against you as the result of an accident Repairs made to your car due to damage caused in an accident Group Auto Insurance HAM/EGA/HNA 194 January 1, 2014

15 Other Types of Coverage You can also purchase coverage for: Motorcycles Recreation vehicles Campers Travel trailers All-terrain vehicles Personal excess liability (umbrella) Personal articles Claims To file a claim, contact Mercer Voluntary Benefits at or log in to Special Situations If you are on an approved leave of absence and unable to have payroll deductions, coverage continues. If you are on leave for six weeks or less, the missed premiums are divided evenly among your remaining pay periods for the rest of the policy period. Your adjusted payroll deductions will resume when you return. If you are on leave for more than six weeks, you will be billed directly for the missed premium deductions. You will not be able to renew payroll deductions until the plan renews. When Coverage Ends Your coverage is generally renewable every six months. You can cancel your coverage at any time. If you leave Honda, you can continue your coverage through an individual policy and make direct payments to the carrier. Group Auto Insurance HAM/EGA/HNA 195 January 1, 2014

16 Group Homeowners Insurance You have the option of purchasing Group Homeowners Insurance to protect your property and belongings. If you rent, you can purchase insurance to cover the loss of your belongings. The group homeowners insurance benefits described in this section are subject to the terms and conditions of the group insurance policy issued by the carrier. If you are approved for insurance coverage, you will receive a certificate of insurance describing your coverage in greater detail. Highlights Cost Per Pay Coverage Begins Pays Benefits for Coverage Ends Administered by Depends on individual coverage; paid through payroll deductions Can enroll at any time during year; coverage begins as soon as administratively possible after you enroll Loss of your belongings and cost of repairs or replacement to property Can cancel at any time; can convert coverage to individual policy if you leave Honda Administered by Mercer Voluntary Benefits; insured by Travelers Indemnity Company or MetLife Who Is Eligible You are eligible for Group Homeowners Insurance if you are a regular associate who routinely works at least 16 hours per week. You are not eligible if you: Are an active Honda associate who has a regular work schedule of less than 16 hours per week Are a self-employed person who provides services to Honda through an agreement between Honda and you Are employed by or obtain your employment through a company that provides temporary workers to Honda Are a student or temporary associate or Are an associate of an international affiliate on assignment at Honda When Coverage Begins You can enroll in Group Homeowners Insurance coverage at any time during the year. Coverage begins as soon as administratively possible after you enroll. Group Homeowners Insurance HAM/EGA/HNA 196 January 1, 2014

17 Cost Your cost for coverage is based on the coverage you choose and your individual circumstances, such as size of home and location. For a quote, contact Mercer Voluntary Benefits at or log in to You should have the following information available when calling or visiting the website: Current policy information Year the house was built Square footage and special features Coverage Homeowners insurance covers the loss of your belongings. If you must repair or replace property that is damaged, destroyed or stolen, your insurance will generally pay for all or part of the cost. This policy also protects you against liability lawsuits if you are sued by someone who is injured or whose property is damaged. Coverage typically included in a homeowner s insurance package includes: Dwelling. Covering your residence and an attached garage Other Structures. Covering a detached garage, shed, barn or fence Personal Property. Covering the contents of your home Medical Payments Coverage. Paying medical expenses if someone is injured on your property Additional living expenses. Paying for your living expenses if you have to move out of your home during repairs If available, you may add these features to your homeowner s policy: Debris removal (for example, after a tornado) Reasonable repairs to prevent further loss, such as repairing a storm-damaged patio to prevent soil erosion Lightning damage to trees, plants, shrubs and lawns Fire department service charges Jewelry Earthquake Coverage is available for most homes, including mobile homes. If you rent a house, condominium, townhouse or apartment, your coverage protects the contents of your home. Claims To file a claim through the carrier, contact Mercer Voluntary Benefits at or log in to Group Homeowners Insurance HAM/EGA/HNA 197 January 1, 2014

18 Special Situations If you are on an approved leave of absence and unable to have payroll deductions, coverage continues. If you are on leave for six weeks or less, the missed premiums are divided evenly among your remaining pay periods for the rest of the policy period. Your adjusted payroll deductions will resume when you return. If you are on leave for more than six weeks, you will be billed directly for the missed premium deductions. You will not be able to renew payroll deductions until the plan renews. When Coverage Ends Your coverage is generally renewable every year. You can cancel your coverage at any time. If you leave Honda, you can continue your coverage through an individual policy and make direct payments to the carrier. Group Homeowners Insurance HAM/EGA/HNA 198 January 1, 2014

19 Group Legal Plan The Group Legal Plan offers you access to legal advice and a variety of legal services. The pre-legal group benefits described in this section are subject to the terms and conditions of the insurance policy issued by the carrier. You will receive a certificate of insurance describing your coverage in detail. Highlights Cost Per Pay Coverage Begins Pays Benefits for Coverage Ends Administered by Paid by you through payroll deductions January 1 if you enroll during annual enrollment First day of the month following the date your enrollment is received and processed after a life event or as a new hire Legal advice and services December 31, if you cancel during annual enrollment, or the last day of the month if you end employment Administered by Mercer Voluntary Benefits; insured by ARAG Who Is Eligible You are eligible for the Group Legal Plan if you are a regular associate who routinely works at least 16 hours per week. You are not eligible if you: Are an active Honda associate who has a regular work schedule of less than 16 hours per week Are a self-employed person who provides services to Honda through an agreement between Honda and you Are employed by or obtain your employment through a company that provides temporary workers to Honda Are a student or temporary associate or Are an associate of an international affiliate on assignment at Honda When Coverage Begins You can enroll in the Group Legal Plan as a new hire within 31 days, during the annual enrollment period or within 31 days of a qualifying life event status change. Coverage begins on the earlier of: January 1 of the next plan year or The first day of the month following the date your enrollment is received and processed Group Legal Plan HAM/EGA/HNA 199 January 1, 2014

20 Cost For information, contact Mercer Voluntary Benefits at or log in to Coverage This plan provides legal services for a variety of reasons, including buying a home, negotiating landlord or tenant issues, creating a will or adopting a child. When you enroll in the Group Legal Plan, you receive the following coverage: Access to a wide network of attorneys across the nation Unlimited, toll-free phone access to attorneys for advice on common legal matters, to review documents, and provide simple preparation of items such as wills and power of attorney Help with family and juvenile issues, criminal misdemeanors, will preparation and more Online service including access to the Law Guide, which helps you learn more about common legal matters and provides access to do-it-yourself legal documents Refer to for a carrier link to the plan and more detailed description of what is covered. Special Situations If you are on an approved leave of absence and unable to have payroll deductions, coverage continues. If you are on leave for six weeks or less, the missed premiums are divided evenly among your remaining pay periods for the rest of the policy period. Your adjusted payroll deductions will resume when you return. If you are on leave for more than six weeks, you will be billed directly for the missed premium deductions. You will not be able to renew payroll deductions until the plan renews. When Coverage Ends Your coverage will automatically renew each year unless you cancel it during annual enrollment. Your coverage ends on the earlier of the following: December 31, if you cancel coverage during annual enrollment or If you stop paying the required premiums while on leave or when terminating If you leave Honda, you can continue your coverage through an individual policy and make payments to ARAG. Group Legal Plan HAM/EGA/HNA 200 January 1, 2014