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TABLE OF CONTENTS

2017 Benefits Overview

4

Determining Eligibility

3

Annual Enrollment

2

Welcome Letter

1

This Benefits Guide is intended to provide an easy-to-understand explanation of your Plan benefits. However, you should

refer to the official Plan documents for more extensive information about the Plan. In the event of any conflict between the

information in this booklet and the official Plan documents (including the Summary Plan Descriptions), the Plan documents

will govern.

Preventive Care, EAP & Medical Gap Plan

6

Your Medical Plan Options

5

Dental

7

Disability Benefits

9

Vision and Life Benefits

8

HCR Communication

10

Contact Information

11

Legal Notices

12-17