Y OU ’ RE THE ONE THAT WE WANT ! 2014 Open Enrollment and Benefit Presentation

W HAT ARE WE COVERING TODAY ? Healthcare Reform and how it impacts you? Immanuel Benefits What’s new for Immanuel? Wellness Reward How to make changes Due Date – November 22 nd, 2013 – 4:00 p.m.

H EALTHCARE REFORM AND HOW IT IMPACTS YOU If you are eligible for Immanuel Benefits… You and dependents are NOT eligible for a subsidy/discount Cost of similar Marketplace plan: Immanuel EE+Child - $310.00/month $1500/$3000 deductible Marketplace EE+Child -$736.57/month $2000/$4000 deductible and limited provider list Eligible for Immanuel’s contribution towards insurance premiums and H.S.A Eligible for tax break

D ID YOU KNOW …I MMANUEL HAS ALL OF THESE BENEFITS ? Medical Insurance with max out of pocket $773/$1546 after HSA contribution Dental with Adult/Child Orthodontia plus Vision Benefits Life Insurance – Company pays 1X’s your annual salary Income protection through ST/LT Disability coverage Accident Insurance Cancer Insurance policy Flexible Spending Accounts for dependent and medical expenses EAP Financial/Legal Resources 401(k) with 3% annual contribution and 50% match on your first 6% contributed PTO Holidays: 6 plus 2 floaters!

D ID YOU KNOW …T HERE IS M ORE ? Helping Hands Assistance Fund Living the Mission PTO Fund Adoption Assistance Program Employee Discounts Identity Theft Insurance Wellness Program – Weekly education/snacks Fitness Centers Tuition Reimbursement FT - $3,000 PT - $1500 FREE Parking CHRIST Centered Organization 93% say they Enjoy their Work Leaders value people as their most important resource Top 5 Best Places to work Monthly Celebrations

M EDICAL I NSURANCE C HANGES

SAME P LAN … …N EW M EDICAL P REMIUMS NEW 2014 Full-Time (32+hrs/wk) Rates EE Only $49.75/check $44.78 subsidized EE+Spouse $164/check $ subsidized EE+Child(ren) $155/check $ subsidized Family $186/check $ subsidized 2013 Full-Time (32+hrs/wk) Rates EE Only $45.75/check $41.18 subsidized EE+Spouse $146/check $ subsidized EE+Child(ren) $143/check $ subsidized Family $163/check subsidized *Employees with a wage of $14/hour or less receive a 10% discount on medical premiums.

P ART T IME … …N EW M EDICAL P REMIUMS New 2014 Part-Time (28-31hrs/wk) Rates EE Only $65.25/check $58.73 subsidized EE+Spouse $214/check $ subsidized EE+Child(ren) $202/check $ subsidized Family $242/check $ subsidized 2013 Part-Time (28-31+hrs/wk) Rates EE Only $60.00/check $54.00 subsidized EE+Spouse $190/check $ subsidized EE+Child(ren) $184/check $ subsidized Family $212/check $ subsidized *Employees with a wage of $14/hour or less receive a 10% discount on medical premiums.

W HAT ’ S N EW

B EST C ARE EAP Best Care EAP Short – term Counseling up to 5 sessions Confidential Website resources and webinars Must be 19 yrs of age Employed by Immanuel or eligible dependent Legal and Financial Services Free Initial Consultation & discounted rates “Do It Yourself” Legal Forms/Document Preparation & Financial Calculators

C OVENTRY M OBILE A PP Coventry has a new Mobile App! Secure access to view, and fax your: ID Card Provider search to obtain participating network Dr’s, hospitals and urgent care centers Current medications Allergy and immunization details Emergency contact info Surgery and procedure history Family history details

H.S.A M AXIMUM C ONTRIBUTION L IMITS 2013 Employee Only $3,250 Employee Plus/Family $6,450 Catch-up (age 55+) $1, Employee Only $3,300 Employee Plus/Family $6,550 Catch-up (age 55+) $1,000 *Catch-up contributions can be made any time during the year in which the H.S.A participant turns 55

W ELLNESS R EWARD 2014 Immanuel’s H.S.A. contributions become the 2014 Wellness Reward if - Completed Health Risk Assessment Completed Biometric Screenings Completed Tobacco Affidavit  Started employment or insurance after July 1, 2013 Receive $14.50/ck

W ELLNESS R EWARD 2015 Immanuel’s H.S.A. contributions become the 2015 Wellness Reward if - Complete Health Risk Assessment Complete Biometric Screenings Complete Tobacco Affidavit Complete and earn 100 Points Receive $Reward$

I MMANUEL $1 FOR $1 M ATCH 2013 Employee Only - $350* Family - $700* *Amount is prorated based on eligibility date 2014 Employee Only - $350* Family - $1077*

T OTAL H.S.A C ONTRIBUTIONS BY I MMANUEL Wellness Reward Completed or New Participant (After July 1, 2013) Employee - $727 Family - $1,454

T OTAL H.S.A C ONTRIBUTIONS BY I MMANUEL NO Wellness Reward! Employee - $350 Family - $1,077 Eligible for match only!

T OTAL O UT OF P OCKET WITH C ONTRIBUTIONS FROM I MMANUEL Employee - $773 Family - $1,546 That cuts your deductible almost in half!

S HORT -T ERM D ISABILITY New STD Eligibility – 60% Payout Years Week 1 Week 2 Week 3 Week 4 Week 5 Week 6 Week 7 Week 8 Week 9 Week 10 Week 11 Week 12 LTD 0 to 1 1 to Yrs Must be employed for One Year before benefit Eligible. Three (3) week waiting period before benefits begin once eligibility period is met. Years 1 to 10 years – eligible for 5 weeks of pay at 60% following waiting period. Years 11 plus – eligible for 9 weeks of pay at 60% following waiting period.

U NIVERSITY P ARTNERSHIP Bellevue University has partnered with Immanuel to offer us: A dedicated Learning Strategist Streamlined enrollment process Application fee waived for Immanuel employees The University will defer payment of tuition and fees up to 45 days following end of the class/session. *Approval for the deferral program is contingent upon completion of all required documents.

F EDERAL E DUC P ROGRAM FYI… Public Service Loan Forgiveness (PSLF) Program: This program is intended to encourage individuals to enter and continue to work full-time in public service jobs. Under this program, you may qualify for forgiveness of the remaining balance due on Federal Direct Loan Program loans after you have made 120 qualifying payments while employed full-time by certain public service employers. Immanuel qualifies as a public service employer since we are a not-for-profit, tax-exempt organization under section 501(c)(3) of the Internal Revenue Code. Full-time employment is defined as at least an average of 30 hours per week. See flyer for additional information if you are interested.

T AKE A CTION - F ORMS Health Savings Account Changes – complete a H.S.A change form Flexible Spending Account holders – complete a PayFlex FSA Enrollment form Life Insurance – You will need to complete a Change Form and an Evidence of Insurability (EOI) 401(k) – You will need to complete a Principal 401(k) change form. ALL forms are available at Immanuelbenefits.com or your HR Manager or on the table NOW in this room.

A CTION = C HANGES If you want to make a Change to your benefits – CALL the Benefit Call Center at DUE BY: November 22, :00 P.M.

N O A CTION = No Changes 2014 Coverage will be the same as 2013 Coverage elections (except FSA)

QUESTIONS

Y OU ’ RE THE SQUARE THAT I W ANT !