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Benefits GuideJanuary 2024 - December 2024

Benefit enrollment is completed online viaPaycom. You must complete your enrollmentduring your new hire/newly eligible waiting periodor annually before open enrollment ends.Who can I add to my coverage?Note: You the employee must be enrolled in the coverage you wishto enroll a dependent into.Legally Married SpouseDomestic PartnerBiological ChildrenStepchildrenAdopted ChildrenChildren in your custody for adoptionChildren under your legal guardianshipPermanently disabled children over plan age restrictionsYou may only enroll in benefits when you are firsteligible or make changes to your benefits during openenrollment. However, you can make changes/enrollduring the plan year if you experience a qualifying lifeevent:Marriage DivorceNew Baby/AdoptionDeath of DependentYour Dependent's Open EnrollmentYou/Dependent lose other coverageYou/Dependent gain other coverageYou/Dependent lose Medicaid coverageYou/Dependent gain Medicaid/Medicare coverageGetting StartedMaking Benefit SelectionsMid Year Changes l Qualifying Life EventsIf you have a qualifying life event, you must submit your changes within30 days of the event (60 days for Medicaid events), or you must waituntil annual open enrollment to make any benefits changes. Theseevents should be entered online through your enrollment platform. Youmay also be required to provide proof of the event to HR.See Full Event List HereFor assistance, contact Human ResourcesTom Gardnertgardner@accesstca.com(774) 813-7537Laura Bedrosianlbedrosian@accesstca.com(774) 280-6011

In-networkNetworks are groups of medical, dental, and vision providers, pharmacies, andfacilities that agree to discount the cost of their care or service. In-network care isalways your lowest-cost option. Out-of-network provider can charge youwhatever amount they deem fair - typically much higher than in network.DeductibleThe amount you’re responsible for paying in care expenses before the medical ordental plan starts sharing in the cost of your medical and pharmacy (if applicable)expenses.Out-of-pocket maximumThe most you’ll pay for covered medical and pharmacy care in a year. Thisincludes your deductible and any coinsurance or copays. The out-of-pocketmaximum does not include your premium (the amount you pay for coverage) andnon-covered expenses.CoinsuranceAfter you’ve met your deductible, you’re sometimes responsible for a percentageof the cost of the medical care, dental care, or prescription medication youreceived. This percentage is coinsurance.Primary care physicianA primary care physician (PCP) is your main medical doctor – usually a generalpractitioner (GP), family doctor, internal medicine, or pediatrician (for children).CopayA flat fee you pay each time you receive a copay-eligible medical, dental, orvision service or prescription medication. Referral/pre-authorizationSome specialty medical providers/services and prescriptions require additionalsupporting information from your doctor. Examples include - but are not limitedto - inpatient or outpatient surgical procedures, brand name medications, orspecialty medications.Balance billingWhen you use an out-of-network provider, they may bill you the differencebetween what they charge and the amount your insurance pays.Helpful TermsWe've removed as much jargon as possible.But you’ll probably still encounter some terms as you enroll in and use your benefits, and we want you to be prepared!

Medical insuranceHarvard Pilgrim Health Care(617) 509-1000www.harvardpilgrim.orgDental insuranceGuardian1-888-482-7342www.guardiananytime.comVision insuranceVision Service Plan (VSP)1 (800) 877-7195www.vsp.comFlexible Spending Accounts (FSAs)Ameriflex(888) 868-3539www.myameriflex.comLife and AD&D insuranceEquitable(866) 444-6001www.equitable.comDisability insuranceEquitable(866) 444-6001www.equitable.comEmployee Assistance Program (EAP)ComPsych(833) 256-5115www.guidanceresources.com401(k) Retirement SavingsFidelity1 (800) 835-5095www.netbenefits.fidelity.comContact InformationClaims & Coverage AssistanceBenefits Contacts

Access America $500 PlanAccess America $1,000 PlanIn-Network CareDeductible (DED)$500 Employee Only $1,000 Family$1,000 Employee Only $2,000 FamilyOut-of-pocket maximum$750 Employee Only $1,500 Family$1,500 Employee Only $3,000 FamilyPre-tax account availabilityFSAFSAPreventive carePrimary care visitSpecialist visit100% covered (No Cost)$25 copay$25 copay (tier 1) / $40 copay (tier 2)100% covered (No Cost)$25 copay$25 copay (tier 1) / $40 copay (tier 2)Urgent careEmergency roomOutpatient hospital careInpatient hospital care$40 copay$150 copayDED then you pay 10%DED then you pay 10%$40 copay$150 copayDED then you pay 10%DED then you pay 10%Pharmacy Network Name:Optum RXOptum RXPrescription drugsGeneric Preferred brand Non-preferred brand(30 days / 90 days)$15 copay | $30 copay$35 copay | $70 copay$45 copay | $90 copay(30 days / 90 days)$15 copay | $30 copay$35 copay | $70 copay$45 copay | $90 copayOut-of-network care available?YesYesPlan Documents Plan DocumentsMental Health SupportFind a DoctorRewards ProgramsTelemedicineMedical InsuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.All plan coverage shown represents in-network coverage. For out-of-network coverage reference your plan documents.Your medical insurance comes with a lot of different resources to help you savemoney, make good health choices, and better understand your health. Accessthe resources below to make the most of the medical benefit you choose.

Network name:PPOIn-networkOut-of-networkAnnual Deductible (DED)$0 per person $0 family max$50 per person $150 family maxAnnual maximum benefit$1,500 per person $1,500 per person Preventive care100% covered100% coveredBasic care100% covered80% coveredMajor care60% covered50% coveredOrthodontic careCoverageLifetime max benefit50% covered$1,000 lifetime maxPlan DocumentsDental InsuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Stay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays). Find a ProviderYour dental insurance comes with a lot of different resources to help you savemoney, make good health choices, and better understand your health. Accessthe resources below to make the most of your coverage.4 Ways to Save on DentalDentalGuard Preferred

Network name:VSP ChoiceAnnual eye exam (every 12 months)$10 copayLenses (every 12 months)$25 copayFrames (every 24 months)$130 allowance / $150 allowance for featured brands20% off remaining balanceContact lenses (every 12 months)$130 allowanceContact Lens Fit and Follow UpUp to $60 copayPlan DocumentsYour vision plan covers either glass lenses (lenses in your frames) or contact lenses each year. If you receive contact lenses, they will be instead of your glass lenses benefit.Vision InsuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Find a Provider Savings ProgramsAll plan coverage shown represents in-network coverage. For out-of-network coverage reference your plan documents.Your vision insurance comes with a lot of different resources to help you save money, make good health choices, and betterunderstand your health. Access the resources below to make the most of your coverage.Vision, More than your EyesVSP Choice Vision Plan

Allowed ExpensesMedical, Dental, and Vision2024 IRS Maximum Contribution$3,200Annual Rollover Amount$640Balance AvailabilityFull annual election available day oneSpecial ConsiderationsYou cannot also contribute to an HSAFlexible Spending Accounts (FSAs)Allowed ExpensesChildcare or adult daycare 2024 IRS Maximum Contribution$5,000Annual Rollover AmountRollover not allowed by the IRSBalance AvailabilityFunds available as they are depositedSpecial ConsiderationsFunds can only be spent on taxdependents and are to be used so you(and your spouse if applicable) can goto work. Funds are forfeited if youleave employment.Runout“Use It or Lose It” with a 3 month runout period (3/31/25) to submit forreimbursement.Eligible expensesEligible expensesBudget for SuccessThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Dependent Care Account (DCA)Full Purpose FSAFlexible Spending Account is a blanket term that covers a number of pre-tax savings options. Flexible Spending Accounts are a form of self-insurance and follow thesame laws as other types of pre-tax benefits (like medical or dental). Once elected, you must have a qualifying life event to stop or change your deduction amount. Ifyou do not elect when eligible/available, you cannot newly enroll without a qualifying life event.Set aside pre-tax dollars to pay for qualified expenses.Download the Ameriflex AppView balance information + transaction history,submit claims for reimbursement & more.

Financial AcademyEstimate your healthcare expensesPhysical Wellness ToolkitEmotions and our FinancesJust One Thing: Reach OutTips to Manage Your MindChronic Condition: Self ManagementThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Total Wellbeing: Caring for All of YouSupport for your physical, mental, and financial health.There are five ingredients to wellbeing — each just important as the others:The recipe to living wellHaving good health and the energy to perform your job life outside of work, such asspending time with family, friends, or participating in activities you enjoy. Think ofphysical wellbeing as nutrition, staying hydrated, getting rest, avoiding illnessthrough vaccines, preventive screenings, and following doctors’ orders!Healthcare Access and QualityHealthy, supportive relationships with family, friends, and most importantly, yourself.Effectively managing feelings and emotions and practicing healthy ways to managestress and adapt to challenges.Social and CommunityFeeling connected to where you live, work and play through activities such asvolunteering and mentoring.Neighborhood and Built EnvironmentThe ability to effectively understand and plan for day-to-day expenses, short-term,and long-term goals, like paying back student loans, saving for a house, sendingchildren to college, retirement, or caring for aging family members.Economic StabilityLearning does not end when you leave school. You have invested in learning yourjob and role, but learning and knowledge extends to your personal wellbeing and selfimprovement.Education Access and QualityCDC: How Right Now40+ Ideas to Get Started!

Plan DocumentsBasic LifeBasic AD&DCoverage1 x Annual Salary up to $50,0001 x Annual Salaryup to $50,000Plan DocumentsEmployeeSpouseChild(ren)Coverageincrements$10,000$5,000$1,000GuaranteeIssue$100,000$25,000$10,000Maximum5 x Annual Salaryup to $500,00050% of EE Amt$10,000EOI Form How much coverage do I need?Electing an amount over the Guarantee Issue (GI)? Are you a lateenrollee (declined coverage when first eligible)? If you answered yes to either or both questions, you must completean Evidence of Insurability (EOI) form. If you are newly eligible andelecting coverage over the GI, you will not be approved forcoverage over the GI until your EOI form has been approved. If youare a late enrollee, the GI does not apply and any amount you applyfor will not go into effect until your EOI is approved.What's AD&D?Accidental death and dismemberment (AD&D) insurance may pay:Your beneficiary if you pass away due to an accidentYou a partial benefit due to the loss, or the loss of use, of bodyparts or functions such as limbs, speech, eyesight, and hearingLife and AD&D InsuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Financial peace of mind.Life insurance pays a benefit if you pass away while you're covered. Accidental Death and Dismemberment (AD&D) insurance pays an additional benefit if you pass away or are seriously injured due to an accident.Basic Life and AD&D InsuranceThis coverage is no cost to you.A beneficiary is the person, persons, or organization whowould receive your benefit in the event you lose you life.Make sure your beneficiaries are up to date – you canchange them at any time!Voluntary Life and AD&D InsurancePurchase additional coverage for you, your spouse, and your child(ren).You, the employee, must enroll/be approved for coverage for your spouse and/or child(ren) to also enroll.

Plan DocumentsPlan TypeEmployer Funded CoverageWeekly Covered Income60% of your income to $1,145maximumAccident Benefit Begins8th DaySickness Benefit Begins8th DayMaximum Duration of Benefits11 WeeksPlan DocumentsDisability InsuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Disability coverage insures your paycheck, replacing a portion of your income if you’re unableto work due to a covered illness or injury. This coverage is at no cost to you.Short-term DisabilityShort-term disability coverage can replace part of your paycheck ifyou’re unable to work for a shorter period of time. Long-term Disability Long-term disability coverage can provide lasting income protectionif you remain unable to work beyond a short term disability.Plan TypeEmployer Funded CoverageMonthly Covered Income60% of your income to $10,000maximumBenefit BeginsAfter 90 Days of DisabilityMaximum Duration of BenefitsADEA1 with SSNRAPre-existing condition limitation3/12The maximum is the longest length your disability will be covered. Most disabilities are shorter than the maximum and the length isdetermined by standardized measurements and medical advice.Duration of BenefitsDisability, FMLA, and ADA*State specific PFML may supersede.

Supplemental BenefitsAdditional benefit plans are a great way to customize your benefits package.The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Accident CoverageAccident coverage pays you a cash benefit for events like: stitches, anemergency room visit, ambulance ride, broken bone, concussion, andmuch more. You cannot plan for an accident, but you can help protectyour wallet! This benefit pays a lump sum directly to you to spendhowever you need. You can spend the money on medical bills - or useit for parking, groceries, a babysitter, etc.Plan DocumentsCritical IllnessCritical illness coverage pays you a cash benefit when you experience acritical illness - your plan may include coverage for: cancer, stroke,heart attack, organ transplants, coronary bypass, and more. Criticalillnesses are often unexpected and can come with a high cost for aprolonged period of time. Use the payment you receive to pay bills,buy groceries, cover expense while away from work, etc.Plan Documents

The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.24/7/365 access to care(833) 256-5115guidanceresources.comWeb ID: EQUITABLE23Our Employee Assistance Program (EAP) is a confidential service with access toguidance and resources at no cost for: Depression & anxiety - and other mental health concernsFamily relationships and parentingAddiction and substance abuseFinancial issuesLegal problems & online will preparationChildcare and eldercareGrief and lossEssentially, if it's part of your life, our EAP is here for you.Everyo ne needs support sometimes (even superheroes).Will anyone know I contacted the EAP?The EAP is confidential. No one will know you called or what was discussed.Who can use the EAP?Your spouse and children all have access to the EAP and it's services.Face to Face Visits?For no cost, each person can receive up to 3 face-to-face (or virtual) visits with alicensed counselor per issue per year. Additional visits - if needed - will gothrough your health insurance.EAP FAQsNational Crisis HelplinesSuicide and Crisis: 988Sexual Assault: 800-656-4673Domestic Violence: 800-799-7233Child Abuse: 800-422-4453Substance Abuse: 800-662-4357Trevor Project: 866-488-7386Employee Assistance Program (EAP)Care for your mind – and your life.See a full list of helplines HEREPlan Documents

The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Contact AXA Assistance USA24 hours a day, 7 days a weekWithin the United StatesOutside the United StatesTravel Assistance(855) 327-14761 (312) 356-5980Call AXA Assistance if you require:Medical and dental referralsEmergency medical evacuation or repatriationHospital admission and critical care monitoringLost document and luggage assistanceEmergency cash and bail assistanceID theft assistanceReturn of mortal remainsGeneral travel informationDispatch of prescription medicationConcierge servicesAccess a broad range of worldwide travel, emergency medicaltransportation and concierge services 24/7/365Support before, during and after travel.Plan DocumentsOur web portal, Travel Eye, offers useful intelligencedesigned to provide necessary knowledge throughout thelife cycle of your trip.Register Here

Plan DocumentsWhen youContribute:Access TCAContributes:For a Total Contribution of:$200$20$220$100$10$110$50$5$55RetirementThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Set your future self up for financial stability with a 401(k).With our company match, we’ll help you along the way.The BasicsChoose from pre-tax (traditional) or after-tax (Roth) contributions, depending onyour need. You can change your contribution amount or pre- or after-taxelection at any time.Automatic Enrollment of 5%. Automatic increase by 1% up to 8%. Access TCA will match 10% of your 401(k) contributions. Please take a lookat the examples below. You may contribute up to 70% of wages, up to the IRS maximum.ContributionsThe IRS maximum 401(k) contribution for 2024 is $23,000. If you’re over age 50,or will be turning 50 during 2024, you can contribute a catch-up contribution of$7,500 in addition to the maximum limit. Not sure whether to select pre-tax (traditional) or after-tax (Roth)? Check withyour financial advisor to determine the best choice for you. The basicdifferences:Pre-tax: your contributions come out of your paycheck before Federal andstate taxes but after FICA (Medicare and Social Security) taxes. You’ll payregular income tax when you withdraw your money at retirement.Roth (after-tax): your contributions come out of your paycheck after taxes.When you withdraw your funds at retirement, they’re tax-free.Learn how investing and saving actuallyworks - and can work for you.Access the Financial AcademyAuto-Enroll Notice

2024 Company Paid HolidaysThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.New Year’s Day 2024Monday, January 1Presidents DayMonday, February 19Memorial DayMonday, May 27JuneteenthWednesday, June 19Independence DayThursday, July 4Day after Independence DayFriday, July 5Labor DayMonday, September 2Thanksgiving DayThursday, November 28Day after ThanksgivingFriday, November 29Christmas DayWednesday, December 25Day after ChristmasThursday, December 26New Year’s EveTuesday, December 31New Year’s Day 2025Wednesday, January 1