2016 Benefits Summary SCANA is committed to providing quality, cost-effective benefit choices to our team of dedicated employees who put their energy to work every day to meet the needs of our customers in Georgia, North Carolina and South Carolina. We know that comprehensive health, wellness and financial investment benefits are important to our employees peace of mind enabling them to focus on the task at hand while knowing the well-being of their household is covered. As a self-insured company, SCANA offers competitive benefits options to all full-time employees. You will be eligible for the following benefits: Medical plan that includes prescription coverage Optional accounts Health savings account (HSA) if you enroll in the medical plan Dependent care flexible spending account (FSA), regardless of your medical plan option Health care flexible spending account (FSA), if you waive SCANA medical coverage, are ineligible to contribute to, or choose not to contribute to an HSA Vision plan Dental plan Life insurance (employee, spouse, dependent) Short-term and long-term disability insurance Accidental death and dismemberment insurance (employee) 401(k) Retirement Savings Plan (with dollar for dollar employer match up to 6%) Optional voluntary benefits such as cancer, supplemental disability and auto/homeowners insurance Health and wellness benefits SCANA employees and their families have access to resources that promote healthy living, at no cost to the employee. Our LiveWell resources encourage personal accountability, engagement and health care consumerism. Preventive Care Covered 100% encourages employees and their family members to establish themselves with a primary care provider who is able to conduct all recommended age- and gender-related health screenings. SCANA s Health Coach provides information and support for those who want to eat smart, move more, quit using tobacco, or reduce stress to improve their health. SCANA Pharmacy is a full-service pharmacy offering: personal clinical counseling; certain free preventive generic medications; walk-in service or intercompany mail delivery; and, frequently lower costs. Rally SM Wellness Portal through BlueCross BlueShield, provides an engaging and rewarding environment for achieving healthy behavior change. It all starts with a personal health survey to establish your Rally age. Regardless of medical plan coverage, all household members of SCANA employees have access to SCANA s Employee Assistance Program (EAP) to help deal with the daily challenges and changes in life. Counseling (in person or by telephone), education and support are available on a wide range of topics related to emotional well-being. This 2016 Benefits Summary does not contain all details of SCANA s benefits offerings, which are explained more comprehensively in our Summary Plan Descriptions ( SPD ) and in the formal plan documents. If there is any inconsistency between this summary and an SPD or a plan document, the SPD or the plan document will control. Also note that SCANA may alter or terminate any benefit at any time. Thus, this summary does not create a contractual right, reliance right, or any other right to any benefit. Nor does it create a contract or guarantee of employment.
SCANA Choice Medical Plan SCANA s medical plan includes prescription coverage and uses the BlueCross BlueShield network of health care providers for in-network care. Employees can choose coverage for: employee only; employee and spouse (if the spouse doesn t have access to their own employer-sponsored medical coverage); employee and children; or employee and family. Employees pay for medical coverage on a pre-tax basis. 2016 Medical Plan Features 2016 SCANA Choice In Network Out of Network Preventive Care 100% Coverage Deductible and coinsurance apply Deductible $1,500 Individual $3,000 Family $3,000 Individual $6,000 Family HSA Seed Money* $400 individual/$800 family Medical Care All Types 20% after deductible 40% after deductible Emergency/Urgent Care/Ambulance 20% after deductible Annual Out-of-Pocket Maximum Deductible & Coinsurance $3,000 Individual $6,000 Family Includes Rx $6,000 Individual $12,000 Family Includes Rx *Amount prorated based on date account is opened and the number of months you are enrolled in the Choice Plan for the year. Things to note about SCANA Choice medical plan: Some LiveWell resources, including the SCANA Pharmacy and Rally, require enrollment in the SCANA Choice plan. It is beneficial for spouses who are both employed by SCANA to be on one medical plan. The deductible ($1,500/individual; $3,000/family) must be met before SCANA pays any portion of non-preventive care claims; one member of the family can meet the entire family deductible. Prescription benefits are not paid by SCANA until the Choice plan deductible is met, with the exception of certain preventive generic drugs through the SCANA Pharmacy. Both medical and prescription claims count toward the deductible and out-of-pocket maximum. Vision and dental expenses do not contribute to the deductible. 2016 SCANA Choice Medical Plan Premiums Employee/ 2016 Plan Employee Only Employee/Spouse* Employee/Family Dependents Per Bi-Weekly Pay $9.45 $35.46 $31.91 $59.10 Choice Annual $245.70 $921.96 $829.66 $1,536.60 *Spouses with access to employer-sponsored group medical coverage through their former or current employer are not eligible for coverage under SCANA s medical plan. 2 Your Benefits. Your Choice.
2016 Medical Plan Highlights The following highlights commonly used services only. The percentage of coinsurance is the amount you pay once your deductible has been satisfied. Inpatient Facility Service In-Network Out-of-Network* Inpatient Physician/Professional Outpatient Surgical Facility Outpatient Surgeon Fees Skilled Nursing Facility (up to 120 days/year) Home Health Care (unlimited visits, 16 hours per day maximum) Hospice Inpatient Hospice Outpatient Durable Medical Equipment External Prosthetic Appliances Independent X-ray and/or Lab Facility Advanced Radiological Imaging (at all places of service) MRI, MRA, CAT scans, PET scans, Nuclear Medicine, DEXA, Nuclear Cardiology, etc. Urgent Care Facility billed as Urgent Care visit Maternity Global Fee (employee or spouse only) X-ray/Lab billed by Primary Care Physician All other X-ray and/or Lab Mental Health/Substance Abuse Outpatient Outpatient Rehab Therapy Physical, Speech, Occupational Therapy (up to 60 combined therapy visits) Chiropractic (up to 12 visits) 20% after deductible 40% after deductible *Plan pays 60 percent of reimbursable charges for out-of-network services. You are responsible for paying the remaining 40 percent plus any charges above and beyond the maximum reimbursable amount. Your Benefits. Your Choice. 3
Vision Plan SCANA offers vision coverage using the EyeMed Vision Care network of providers. Your BlueCross BlueShield ID card will indicate vision coverage. Basic components of the vision plan provide for savings on eye examinations, contact lenses, lens options and accessories. Vision Care Services Member Cost Out-of-Network Reimbursement Exam with dilation as necessary Covered in full $60 Exam options Standard contact lens fit and follow-up Up to $55 N/A Premium contact lens fit and follow-up 10% off retail price Frames Any available frame at provider location $135 allowance, 20% off balance over $135 $82 Standard plastic lenses Single vision/bifocal/trifocal/lenticular Standard progressive lens Premium progressive lens Lens options UV treatment/tint (solid and gradient)/standard plastic scratch coating Standard polycarbonate - adults Standard polycarbonate kids under 19 Standard anti-reflective coating Polarized/other add-ons Contact lenses (Contact lens allowance includes materials only) Conventional Disposable Medically necessary Laser vision correction Lasik or PRK from U.S. Laser Network Covered in full Covered in full 80% of charge less $120 allowance $15 $40 $0 $45 20% off retail price $135 allowance, 15% off balance over $135 $135 allowance, plus balance over $135 Covered in full 15% off retail price or 5% off promotional price Additional pairs benefit Members also receive a 40% discount off complete pair eyeglass purchases and a 15% discount off conventional contact lenses once the funded benefit has been used. Benefit Frequency Examination/lenses or contact lenses Once every 12 months Frame Once every 24 months Either standard lenses or contact lenses are covered every calendar year; not both. $78/$97/$107/$150 $149 $149 N/A $125 $125 $210 N/A N/A Plan exclusions: 1. Orthoptic or vision training, subnormal vision aids and any associated supplemental testing; aniseikonic lenses 2. Medical and/or surgical treatment of the eye, eyes or supporting structures 3. Any eye or vision examination, or any corrective eyewear required by a policyholder as a condition of employment; safety eyewear 4. Services provided as a result of any Workers Compensation law, or similar legislation, or required by any governmental agency or program whether federal, state or subdivisions thereof 5. Plano (non-prescription) lenses and/or contact lenses 6. Non-prescription sunglasses 7. Two pair of glasses in lieu of bifocals 8. Services or materials provided by any other group benefit plan providing vision care 9. Services rendered after the date an insured person ceases to be covered under the policy, except when vision materials ordered before coverage ended are delivered, and the services rendered to the insured person are within 31 days from the date of such order 10. Lost or broken lenses, frames, glasses or contact lenses will not be replaced except in the next benefit frequency when vision materials would next become available 4 Your Benefits. Your Choice.
Vision Plan Rates Employee Only Employee/Spouse Employee/Dependents Employee/Family Per Pay Period $0.91 $1.74 $1.83 $2.69 Annual Cost $23.66 $45.24 $47.58 $69.94 Preventive Benefits Most preventive benefits through an in-network provider are covered at 100 percent for individuals covered by SCANA s medical plan. Preventive care is the care you receive to detect or prevent conditions and is provided when you do not have symptoms. Screenings and tests are based on your age, gender, family history and health status. The benefits covered are based on recommendations from national experts. Things to note: Preventive benefits do not include care that treats existing conditions, ongoing tests for chronic conditions or the evaluation of a symptom. Physicians must code your visit as preventive for it to be paid at 100 percent. Pathology, ultrasound, lab work and additional testing for diagnosis or treatment are all subject to deductible and coinsurance amounts. Prescription Benefits Prescription benefits are included when you enroll in SCANA s medical plan. Generic medications can result in savings for SCANA and you. The SCANA Pharmacy provides certain preventive generics for the management of certain chronic conditions at no cost, regardless of deductible. 2016 Prescription Benefits SCANA Pharmacy Preventive Generic Medications 1 (not subject to deductible) Non-preventive generic medications and Preferred brand medication In-Network Retail or Mail Order Employee pays amounts below after deductible is met. Free 30% 25% 30% Per Rx Out-of-Pocket Maximum $100/31-day $250/90-day Non-preferred brand 50% None Specialty Medications (31-day supply only) Caremark Specialty Pharmacy ONLY - 50% $250/31-day Things to Note Pay negotiated prescription costs in full until deductible is met (except certain preventive generics). Combined medical and pharmacy out-of-pocket maximum: $3,000/individual; $6,000/family. 90-day prescriptions: only available at the SCANA Pharmacy or Caremark Mail Order Pharmacy. Out-of-network benefits: Available with 50% coinsurance for generic and preferred brand only. 1 Specific generic medications included can change from time to time without notice. Your Benefits. Your Choice. 5
Dental Plan Employees can elect dental coverage for: employee only; employee and spouse; employee and children (up to age 23); or employee and family. Dental is a pre-tax deduction. 2016 Dental Plan Premiums Coverage Level Per Bi-Weekly Pay Annual Employee Only $3.59 $93.34 Employee & Spouse $7.64 $198.64 Employee & Child(ren) $6.82 $177.32 Family $10.76 $279.76 Insurance and time away from work Basic Life Insurance SCANA provides each full-time employee life insurance equivalent to approximately one times their base salary at no cost to the employee. The company is required to impute income for life insurance amounts over $50,000 per year, and applicable income taxes are withheld for this purpose. Employees may elect to purchase supplemental life insurance up to six times their base salary. Evidence of Insurability may be required. Cost is based on age and salary. Maximum coverage is $1,250,000. Accidental Death & Dismemberment (AD&D) Insurance SCANA provides each employee AD&D insurance equivalent to approximately one times their base salary at no cost to the employee. Employees may elect to purchase additional levels of supplemental AD&D insurance at one or two times their base salary. Cost depends on age and salary. Maximum benefit is $500,000. Spouse Life Insurance Employees may elect to purchase life insurance to cover their spouse at $10,000, $20,000, $50,000 and $100,000 levels. Cost depends on the employee s age. The $50,000 or $100,000 election requires approval by the insurance company via Evidence of Insurability. Dependent Life Insurance Employees may elect dependent life insurance of $10,000 per child up to age 23 at a cost of $.55 biweekly (regardless of the number of dependents covered). Income Replacement During Disability SCANA provides employees who have successfully completed six months of continuous service the peace of mind of partial or complete income replacement during times of disability. Short-Term Disability coverage of 66 2/3% income replacement for up to 1,040 hours per rolling 52-week period is provided at no cost to the employee. Employees may supplement up to 100 percent of their base salary for the first six weeks and 66 2/3% income replacement for the remaining hours of STD. The cost for this coverage is based on salary. Long-Term Disability coverage of 50% at no cost to the employee. Employees may elect a higher level of 66 2/3% income replacement at a rate based on their salary. 6 Your Benefits. Your Choice.
Paid Time Off SCANA observes 11 paid holidays a year; 10 are designated days, and one is a floating holiday to be taken at a time scheduled with the employee s supervisor. Paid Time Off (PTO) - Vacation, personal time and sick time are combined into one bank of PTO. New employees are allocated PTO hours based on their month of hire as follows: Month of Hire January 120 hours April 90 hours July 60 hours October 30 hours February 110 hours May 80 hours August 50 hours November 20 hours March 100 hours June 70 hours September 40 hours December 10 hours New employees are eligible to use PTO immediately upon hire. PTO allowances increase at 6, 14 and 22 years of service. Bereavement leave, military leave and jury duty are not part of PTO and are administered under separate policies. Optional Accounts SCANA offers three types of optional accounts for employees to contribute pre-tax dollars: health savings account (HSA), dependent care flexible spending account (FSA), and health care FSA (if you waive SCANA coverage or are ineligible to contribute or choose not to contribute to an HSA). All optional accounts have defined qualified expenses and reimbursement policies as mandated by the IRS, and annual enrollment is required. Health Savings Account - Employees covered by the SCANA Choice plan have the option of enrolling in a health savings account, which is a portable account used to pay for most medical, dental and vision care expenses, including coinsurance and deductibles. The 2016 annual maximum contribution for individual coverage is $3,350, and the annual maximum contribution for family coverage is $6,750. Employees over age 55 may contribute an additional $1,000 per year. Dependent Care Flexible Spending Account - Regardless of whether you participate in SCANA s medical plan, all employees may choose a dependent care FSA to contribute $50 $5,000 annually for expenses such as daycare, after-school programs and elder care programs. Health Care Flexible Spending Account - Employees who waive coverage under SCANA s medical plan or who are ineligible to contribute or choose not to contribute to an HSA can contribute $50 $2,550 annually to cover most medical, dental and vision care expenses, including coinsurance, and deductibles. SCANA Corporation 401(k) Retirement Savings Plan New employees age 18 and older are immediately eligible to enroll and participate in the SCANA 401(k) Retirement Savings Plan (previously known as the SCANA Corporation Stock Purchase-Savings Plan). Additional information about the 401(k) Plan will be provided during your new employee meeting. Some 401(k) Plan highlights are as follows: Employee Contributions There are five types of Employee Contributions to the 401(k) Plan: Tax-Deferred Contributions (pre-tax); Regular Contributions (after-tax); Additional Contributions (the Additional Contributions may be made on a Tax-Deferred or Regular basis); Rollover Contributions; and Catch-Up Contributions (pre-tax) for employees age 50 or older. The amount of your Tax-Deferred Contributions and Regular Contributions is based on your eligible earnings. You may elect to contribute, in 1% increments, from 1% up to 6% of eligible earnings through Tax-Deferred or Regular Contributions, subject to IRS limitations. In addition to your Tax-Deferred Contributions and Regular Contributions, you may also elect to contribute, in 1% increments, from 1% up to 69% of eligible earnings in Additional Contributions, subject to IRS limitations. Employer Contributions The Company matches your Tax-Deferred and Regular Contributions by contributing $1.00 for each $1.00 you contribute to the plan, up to 6% of eligible earnings. Additional Contributions, Rollover Contributions and Catch-Up Contributions are not matched by SCANA. Your Benefits. Your Choice. 7
Investment Options You have the full authority and responsibility to manage the investment of your account under the 401(k) Plan. Your investment choices include SCANA Common Stock and 21 different mutual funds available through Merrill Lynch Retirement Plan Services. Your 401(k) Plan account will be invested according to your investment election. Automatic Enrollment and Escalation If you do not make an affirmative election to make contributions to the 401(k) Plan on a pre-tax or after-tax basis within 45 days of your hire date, you will be automatically enrolled in the 401(k) Plan and deemed to have elected to contribute 3% of your eligible earnings to the 401(k) Plan on a pre-tax basis, unless you opt out. If you are automatically enrolled, the 401(k) Plan also has an automatic escalation feature, which results in increasing your auto enrollment deferral percentage from 3% automatically by 1% for future years until your deferrals reach 6% of eligible earnings. Automatic deferrals will be invested in the target date investment fund that most closely corresponds to the year in which you turn 65. You may elect to change your investment designation for future automatic deferrals and/or transfer your automatic deferrals to a different investment fund at any time. Other Dividends paid on SCANA common stock shares credited to your account are, by default, reinvested in the 401(k) Plan. However, you may elect to have these dividends distributed to you as taxable dividends. There are loan and withdrawal features. Subject to 401(k) Plan approval, you may transfer funds from a previous employer s qualified plan into the 401(k) Plan. Voluntary Benefits SCANA offers to employees a few voluntary benefits through third-party providers. The type of benefits available and the providers that offer them may change. While SCANA does not administer or subsidize these benefits, we do provide employees the option to pay for these benefits via payroll deduction. Auto and Homeowners Insurance is offered through Kemper Direct preferred insurance. Cancer Insurance through Colonial Life & Accident Insurance Company helps guard against financial hardship if you or a loved one is diagnosed with cancer. Colonial Life s Supplemental Disability Insurance replaces a portion of your income to help make ends meet if you are totally disabled due to a covered accident or illness. Utilities Employees Credit Union membership is available to you and members of your family. Recreation Clubs: Employees of SCANA are eligible to join the distinctive employee clubs that offer recreational and leisurely amenities. Located across South Carolina for convenient access by all members, the clubs include Misty Lake Club in North Augusta, SC; Pine Island Club in Columbia, SC; and Sand Dunes Club in Sullivan s Island, SC. mc_scan15t8120 12/15