Welcome to the NWTF 2019 Open Enrollment

In this video you will find: A review of your benefits for this plan year Additional resources to guide you through your benefit options New enhanced benefit options for NWTF Open Enrollment meeting details New broker for our benefit plans

Open Enrollment This is the time of year when you can make benefit changes. You can add or drop coverage, add or drop dependents, and make any other necessary changes. You will enroll through the EMS portal on CBIZ . Details are on the open enrollment webpage. Vision

We still have 2 plans available: the base plan and the buy up plan. Health Plan We still have 2 plans available: the base plan and the buy up plan. Disability

Medical Our health insurance will continue to be with Blue Cross Blue Shield. We are increasing the deductible on the base plan by $500. Employees will not see a change because NWTF will reimburse this amount. More details on this prior to open enrollment. On this plan our Health Incentive Account will also increase lowering your total exposure. The buy up plan will see no changes. Dental

New deduction rates are in the guide on the open enrollment site Health Tiers Network Employee only Employee + spouse Employee + child(ren) Employee + family New deduction rates are in the guide on the open enrollment site Nationwide: Blue Cross Blue Shield Personal Coverage

Dental Blue Cross of SC will continue to be our carrier for Dental coverage Dental is bundled with our medical coverage Savings can vary from 5-25% by choosing an in network provider Routine check ups do count towards one of two available HIA credits for employee or spouse Life

Basic Life Insurance Sunlife Voluntary Term Life Sunlife All employees are provided 1.5 times annual salary in life insurance and accidental death and dismemberment Employees are eligible for up to a $500k or 7 times salary (lessor of). If electing at open enrollment, evidence of insurability is required Disability Coverage

Long Term Disability Sunlife Vision Coverage EyeMed NWTF provides employees with long term disability. Plan has a 90 day elimination and pays 60% of monthly salary up to 10k. Employees can purchase coverage that covers exams, materials and contacts. See your guide for more information. Disability Coverage

FLEX SPENDING Any changes to FSA contributions need to be submitted during open enrollment for plan year 1/1/2019-12/31/2019 The maximum contribution for employees in 2019 is $2,700 Maximum of $5000 for dependent care if filing jointly, $2500 if married and filing separately Flex spending

See sign up details for each webinar on the Open Enrollment website Benefits Webinar Where to sign up When: November 6th , 2018 9:00 am EST November 7th , 2018 10:00 am CST November 8th , 2018 12 noon, PST Go to Webinar See sign up details for each webinar on the Open Enrollment website Disability Coverage

Open Enrollment Timeline Open Enrollment for benefits begins November 1st and ends on November 16th . These elections must be selected through EMS. Open enrollment elections are to be entered on EMS at CBIZ. If you have any questions on enrollment (directions are on this website) please contact Shirley Mims in Human Resources or Laura Howell at Clarke & Company. Open Enrollment Timeline

New Brokerage Firm The NWTF has changed our benefits brokerage to Clarke & Company Benefits. If you have issues with any of your benefits, have questions on how something is covered, or any general issues on benefits, please call Clarke & Company. Their contact info is included at the end of the video The benefit website has many tools to assist you in understanding your current benefits and choices for this upcoming renewal Open Enrollment Timeline

2422 Devine St., Suite B, Columbia, SC www.clarkebenefits.com Columbia: 803-253-6997 or 800-540-9403 2422 Devine St., Suite B, Columbia, SC www.clarkebenefits.com Norman Clarke, Client Manager: nclarke@clarkebenefits.com Laura Howell, Account Manager: lhowell@clarkebenefits.com Alex Williams, Client Services: awilliams@clarkebenefits.com Vision