Pechanga 2013-2014 Benefits Guide

Unum Voluntary Benefits / 401(k) Savings Plan

Unum Voluntary Benefits You may enroll or make changes to the following benefits by speaking with a Benefit Enrollment Counselor during Open Enrollment. Please refer to Unum plan materials for additional information. Group Accident Insurance Unum’s voluntary accident plan is designed to help you with uncovered medical costs due to qualified accidents. The plan covers a wide range of injuries and accident related expenses such as hospitalization, physical therapy, hospital intensive care, transportation and lodging. The lump sum payment is tax free and coverage is available for you and your family. Group Critical Illness Insurance Unum’s voluntary critical illness plan pays a lump sum benefit at the first diagnosis of a covered illness, including heart attack, cancer and stroke. You may select between $5,000 and $50,000 of coverage and it can be used however you choose for expenses that health insurance doesn’t cover. This plan also includes a Wellness Benefit that pays $75 per insured per year for one covered test such as a pap smear, stress test, colonoscopy, etc. Interest Sensitive Whole Life Unum’s voluntary interest sensitive whole life insurance can offer more protection, including living benefits and other options that go beyond a typical term death benefit. The plan allows you to earn cash value and premiums do not increase due to age after the policy is issued.

401(k) Savings Plan The 401(k) Savings Plan makes saving for retirement easy. All Team Members are eligible to participate in the 401(k) plan. Enrolling in the Plan

TRI-AD www.tri-ad.com To enter the web site, you will first need to register using account using your social security number, date of birth, and zip code. During registration, you will be required to set up a user ID and password. 877-690-4015 Voice Response Available 24 Hours a Day, 7 Days a Week Customer Service Representatives 5:00 am- 6:00 pm PST weekdays Email: 401kmail@tri-ad.com

You can enroll in the plan the first of the month, after you have completed 90 days of employment with Pechanga Resort & Casino. You will receive enrollment materials to elect your Plan contribution amount, choose your investment options, and name your beneficiary. After you have completed one year of service, you will become eligible for the employer match with an entry date of January 1st or July 1st. Your Contributions • Contribute 1% to 80% of your pay up to the set IRS limits. Contributions are made on a pre-tax basis and you are taxed when you make a withdrawal. • 100% vested (own) in your contributions. • Change your contribution amount on a bi-weekly basis by going online at www.tri-ad.com . • Stop contributions at anytime by going online at www.tri-ad.com .

• “Catch up” contributions available for Team Members who are age 50 or older by the end of the Plan year. • Roll over your account balance from a prior qualified plan to your PR&C 401(k) Savings Plan. Contact TRI-AD for roll over information. PR&C Contributions • For every $1 you contribute (up to 6% of your salary) PR&C will match $0.50 (for a maximum match of 3%) of your contribution per pay period.

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