2018 US Benefits

United States Benefits Options

Agenda

Holidays Company Philosophy on Benefits Review Benefit Choices + Medical + FSA

+ Dental + Vision + Life & Disability + 401k

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HOLIDAY SCHEDULE

40 BEST Promoting Work-Life Balance Our goal is for our team to be most productive during their 40-hour work week – we believe work-life balance is incredibly important! Perks Associates can flex their hours by… + Start work between 7:30am – 9:30am + Taking lunch for 30 or 60 minutes + End work between 4:30pm – 6:30pm After working for six months at Dwellworks, associates can work remotely for 12 days or can be taken in ½ increments

Our 2018 Holidays

2018 Office Closures for Holidays + New Year’s Day - Monday, January 1 + Memorial Day - Monday, May 28 + Independence Day - Wednesday, July 4 + Labor Day - Monday, September 3 + Thanksgiving - Thursday, November 22 + Day After Thanksgiving - Friday, November 23 + Christmas Eve - Monday, December 24 + Christmas Day - Tuesday, December 25

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Our Benefits Philosophy

Our Objectives + To provide a comprehensive benefits package for all associates + To share costs with associates + Offer affordable insurance to everyone - We do not exclude family members or charge a surcharge to carry a spouse on our plan + We want to distribute the risk - High users of the plan should pay more in premium (Option 3)

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Our Enrollment Process

About Making Changes + Effective the first of month following date of hire + Can make changes to elections when… - Eligible for all benefits the 1 st of the month after start date - In the event of a qualified life event... Within 30 days of the event - During our annual open enrollment (effective 1/1 of the following year) What Dwellworks Does + Negotiates affordable rates with the benefit providers + Looks at plan costs and evaluate each year + Communicates any changes during open enrollment process

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Our Benefits Options

03 02 01

Guardian

Fidelity

UnitedHealthcare

+ Medical + FSA Health Spending Account + FSA Dependent Spending Account

+ Dental + Vision + Optional life insurance for employee and dependents + Company-paid: Life, STD, LTD, and AD&D

+ Traditional 401K + ROTH 401K + Company match of $0.50 on the dollar between 2% and 5%

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Important Keyterms

1

Although the premium is a pre-tax statement, Dwellworks covers the majority for each plan.

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A premium is the amount paid by the associate on a semi- monthly basis . PREMIUM

OUT-OF-POCKET MAXIMUM

2

Examples of a co-pay include office visits, Rx, urgent care, emergency room, and other services outlined in the summary of benefits and summary plan descriptions. Although a co-pay is excluded from the deductible, it is included in the out-of-pocket maximum. For a deductible, apply only to covered medical services listed with a percentage in the summary of benefits and summary plan descriptions. On the PPO plans, the single deductible applies to each individual enrolled in the EE+children or family plans with no more than three family members maxing out the deductible. The coinsurance eligible services are noted in the summary of benefits with notation of a percentage, and the costs will be applied to deductible. Once the deductible is satisfied, the associate will share in the service’s cost.

The out-of-pocket maximum is the amount an associate will pay annually for services.

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4

3

CO-PAY

COINSURANCE

A co-pay is a flat dollar amount paid for services as part of the Preferred Provider Organization (PPO) plans.

A coinsurance is the percentage of negotiated costs that associates pay for eligible services.

A deductible is the annual amount that must be satisfied prior to coinsurance percentages being applied. DEDUCTIBLE

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2

3

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Services for out-of-pocket maximum apply to co-pays, deductibles and coinsurances.

UNITED HEALTHCARE

UnitedHealthcare

About UHC + Provider directory on site: www.myuhc.com > Choice Plus + Choose from three options that have varying deductibles and coverages + All plans utilize the same network of providers + Make decision based on coverage, not on providers

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Medical Options

Description

Option 1 HSA

Option 2 PPO

Option 3 PPO

Single $2,600 Family $5,200

Single $1,250 Family $2500

Single $500 Family $1500

Deductible

80% after deductible 80% after deductible 80% after deductible

Co-Insurance

Coverage requires the deductible to be met before coinsurance applies

Single $5,000 Family $10,000

Single $3,000 Family $6,000

Single $2,000 Family $4,000

Max out of Pocket

Unlimited

Unlimited

Unlimited

Life Max

20% after deductible $30 each visit

$25 each visit

Office Visit

100% no cost to associate

100% no cost to associate

100% no cost to associate

Preventative Care

20% after deductible $250

$250

Emergency Room

20% after deductible $75

$75

Urgent Care

20% after deductible 20% after deductible 20% after deductible

Lab/Diagnostic

20% after deductible $10/$30/$50/$100

$10/$30/$50/$100

RX Retail 30 day supply

20% after deductible $25/$75/$125/$250 $25/$75/$125/$250

RX Mail Order 90 day Supply

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Preventative Care for All

Pelvis exam

Height, Weight and BMI

PAP test

Adult physical exams

Well baby or child exams

Hearing screening

Screening for depression

Screenings during pregnancy

Newborn screens

Vision screens

Screenings for sexually transmitted diseases

Preventative physical exams

Immunizations: Hepatitis A and

B, influenza, HPV, polio, MMR)

Routine or periodic exams

Routine EKG

Option #1: High Deductible / HSA

Single $2,700 Family $5,400

Deductible: Coverage requires the deductible to be met before coinsurance applies

80% after deductible

Co-Insurance

Single $5,400 Family $10,800

Max Out of Pocket

Unlimited

Life Max

20% after deductible

Office Visit

100% no cost to associate

Preventative Care: Routine or periodic exams, well baby exams, well child exams, adult physical exams, pelvic examinations, routine EKG, immunizations, screening examinations

20% after deductible

Emergency Room

20% after deductible

Urgent Care

20% after deductible

Lab/Diagnostic

20% after deductible & contributes to Out of Pocket Max

RX Retail

20% after deductible & contributes to Out of Pocket Max

RX Mail Order

Option #1: High Deductible / HSA

+ Those enrolled in Option 1 (HDP/HSA) have the option of opening a Health Savings Account + OptumUHC is our HSA provider + The HSA account allows you to put money aside pre-tax + 2018 Maximums $3,450 Single/ $6,900 Family + Additional $1,000 for Single and Family if 55 and older + The amount you set aside can be changed each pay + You can only use money that you have in the account + The money can accumulate in the account from year to year + HSA money can only be used for eligible expenses

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Option #1: High Deductible / HSA

+ There is no gatekeeper to get the money out + You will need to maintain receipts incase of an IRS audit + If you leave the company, the account goes with you + HSA can be invested in mutual funds once a threshold is met + If you decide to change plans in future years, the money in your HSA can still be used for medical expenses

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Option #1: High Deductible / HSA

Dwellworks Portion (Per – Pay)

2018 Rate (Per – Pay)

$5.95

$215.00

EE ONLY

$138.79

$347.29

EE+SP

$106.59

$330.79

EE+CH

$194.93

$487.80

FAMILY

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Option #2 Deductible: Coverage requires the deductible to be met before coinsurance applies.

Single $1,250 Family $2,500

80% after deductible

Co-Insurance

Single $3,000 Family $6,000

Max Out of Pocket

Unlimited

Life Max

$30 each visit

Office/Specialist Visit

100% no cost to associate

Preventative Care: Routine or periodic exams, well baby exams, well child exams, adult physical exams, pelvic examinations, routine EKG, immunizations, screening examinations

$250

Emergency Room

$75

Urgent Care

20% after deductible

Lab/Diagnostic

30 day supply $10/$30/$50/$100 90 day supply $25/$75/$125/$250

RX Retail

RX Mail Order

Option #2

Dwellworks Portion (Per – Pay)

2018 Rate (Per – Pay)

$58.09

$224.68

EE ONLY

EE+SP

$191.52

$420.99

EE+CH

$147.08

$330.79

FAMILY

$268.98

$604.76

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Option #3 Deductible: Coverage requires the deductible to be met before coinsurance applies.

Single $500 Family $1500

80% after deductible

Co-Insurance

Single $2,000 Family $4,000

Max Out of Pocket

Unlimited

Life Max

$20 each visit

Office Visit

100% no cost to associate

Preventative Care: Routine or periodic exams, well baby exams, well child exams, adult physical exams, pelvic examinations, routine EKG, immunizations, screening examinations

$250

Emergency Room

$75

Urgent Care

20% after deductible

Lab/Diagnostic

30 day supply $10/$30/$50/$100 90 day supply $25/$75/$125/$250

RX Retail

RX Mail Order

Option #3

Dwellworks Portion (Per – Pay)

2018 Rate (Per – Pay)

EE ONLY

$78.58

$222.70

EE+SP

$241.83

$421.00

EE+CH

$185.73

$323.44

FAMILY

$339.64

$591.32

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UHC Wellness Program

What Is It? + Rewards for specific tasks for the associate and spouse/ domestic partner + Maximum per employee/covered spouse = $200/year + Gift cards to a variety of merchants + To sign up for the UHC Wellness Program visit www.myuhc.com >> Rewards Program

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UHC Wellness Gift Cards

Telephone-based health coaching program

Fitness Reimbursement Program

MyHealthCare Cost Estimator

$20

$50

$75

*

$25

$50

$75

**

**

Biometric Screening (at work or doctor’s office)

Health Survey

Online Action Plans

*Charged for per month **Required for HRA

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Flexible Spending Accounts

+ Our plan is administered through UHC

+ Provides a tax deferred way to save for eligible expenses

+ Once you decide to join you are locked in for 2018!

+ Dwellworks offers two FSA options

+

Health Care FSA

+

Dependent Care FSA

+ Available for Option 2 and 3

+ If you are enrolled in Option 1 you are eligible for Dependent Care FSA only

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Dependent Care FSA

+ Used for expenses for dependents under the age of 13

- Disabled/elderly dependents may also be eligible

+ Maximum of $5,000 annually can be set aside + Deductions are taken in equal increments each pay + Works like a checking account, can only use the money when it is in the account + Account is terminated upon termination date from Dwellworks

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Dependent Care FSA

+ Maximum contribution amount is $2,650 annually in 2018 + Contributions through payroll in equal increments each pay + Can use the money in advance of it being in your account + You can apply for a debit card, submit claims online, or submit paper claims + Must incur claims during the claim period to receive reimbursement + Account is terminated upon termination date from Dwellworks

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Flexible Spending Account Options

Dependent Care FSA

Healthcare FSA

+ Contributions through payroll in equal increments each pay + Can use the money before it is in your account + Use it or lose it benefit: Must incur claims during the claim period to receive reimbursement

+ Taken in equal increments each pay + Works like a checking account: Can only use the money when it is in the account

GUARDIAN

Guardian Dental

About Guardian Dental + Dental providers on site: www.guardiananytime.com + Maximum rollover account limit = $1,000 + Orthodontia is for dependents under age 19

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Guardian Dental

2018 Rate (Per Pay)

Dwellworks Portion (Per Pay)

$0.80

EE ONLY

$16.81

$9.86

EE+SP

$26.48

$12.75

EE+CH

$34.27

$17.83

FAMILY

$47.92

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Guardian Vision

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Guardian Vision

2018 Rate (Per Pay)

Dwellworks Portion (Per Pay)

$0.23

EE ONLY

$3.61

$2.34

EE+SP

$4.12

$2.38

EE+CH

$4.20

$3.77

FAMILY

$6.65

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Company-Paid Benefits

01

Life Insurance $50,000 for each employee

Short-Term Disability (STD) + 60% of base earnings & commission to a $750 weekly maximum + 7 day waiting period + Up to 13 weeks of benefit

02

Long-Term Disability (LTD) + 60% of base earnings & commission to $6,000 monthly maximum + 90 day waiting period (covered by STD)

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AD&D $50,000

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Optional Benefit: Through Guardian, employees can elect to enroll in additional life insurance at a per pay cost to the employee.

Employee Assistance Program

About EAP + Confidential assistance for many of life’s stressful issues + Available to all employees even if not enrolled in our benefit programs + Some offers for FREE - Unlimited phone sessions - 3 in-person sessions

Connect to a counselor for free support services

1-800-386-7055

www.ibhworklife.com + Username: Matters + Password: wlm70101

Voluntary Life Insurance

+ We offer Voluntary Life Insurance for yourself, spouse and children

- You must elect employee voluntary life if you want to cover your dependents

- If you elect EE 25,000 you can add: 12,500 Spouse and 2,500 Child

- If you elect EE 50,000 you can add: 25,000 Spouse and 5,000 Child

- If you elect EE 100,000 you can add: 50,000 Spouse and 10,000 Child

- If you elect EE 150,000 you can add: 50,000 Spouse and 10,000 Child

+ If you are adding or increasing your voluntary life insurance for yourself or your dependents you are subject to the Evidence of Insurability Form

- A member of the HR team will contact you if this applies

FIDELITY

Fidelity

Traditional and ROTH 401k Plans + Provider directory is on site: www.401k.com + 2017 Maximums - $18,500 401k - $6,000 catch-up for qualified employees (notify us ASAP) + Dwellworks 50% matching contributions - Made on deferrals of 2-5% of your earnings - Deferrals can go into traditional or ROTH accounts + Make online changes to contributions and how funds are invested + Contact Chris Naples with investment questions: - Christopher.Naples@morganstanley.com - 234.380.4805

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Pre-Tax Benefits

Taken to Reduce Taxable Income

+ Premiums for medical, vision, and dental + Contributions to Healthcare FSA and Dependent Care FSA + Contributions to HSA (only available for employees enrolled in HSA plan)

+ Contributions to traditional 401k

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