2019 Open EnrollmentOctober 9, 2018 – October 23, 2018

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Key Enrollment Messages

What’s New For 2019Open Enrollment

October 9 – 23, 2018

*Summary Plan Descriptions (SPDs) and Summary of Coverage are the official and detailed documents regarding our plans

Your Benefits3-Step Process

Pre-WorkEnrollment

Print Your Teammate Detail Statements

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What’s New in 2019

• Blue Cross Blue Shield of Texas, Kaiser• Deductible changes

• $1,500 Plan now $1,850 Deductible• $2,500 Plan now $2,850 Deductible• Teammates enrolled in the $1,850 or $2,850 plan will receive new medical cards

• Out of Pocket Maximums• Now $5,500/$11,000 in-network across all plans

• New Preferred Blue Cross Blue Shield Networks• Florida and Tennessee will have preferred networks – most existing providers remain in

network, but you should confirm with your current doctor to ensure they are part of the new preferred network.

• Metlife Vision• Added a high vision plan which offers a 2nd pair of glasses or prescription safety wear

• Short Term Disability• Enhanced buy-up plan now provides up to $2,000 in weekly income replacement

• Spending Accounts• Health Savings Account (HSA) contribution limits increase to: $3,500 individual/$7,000 family

• Teammate Paid Life Insurance• Higher coverage available - increments of $10K now up to a max compensation up the lesser of

$750,000 or 7X pay (combined with Basic Life)

Benefit Offering Overview• Three medical plan choices with BCBS for

teammates outside of CA:• PPO - $900 deductible • CDHP - $1850 deductible with HRA• CDHP - $2850 deductible with HSA

• Two choices with Kaiser for teammates in CA:• HMO - $900 deductible• CDHP - $2850 deductible with HSA

• Two dental plan choices with Metlife • (Basic & Enhanced)

• Two vision plan choices with Metlfe• Low Plan• High Plan

• Tobacco and Spousal surcharges remain

• Support tools available:• MDLIVE (telemedicine)• Protech Insurance• Cariloop• Supplemental Insurances

Choice

Consumerism

Wellness

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Surcharges

TobaccoSpousalAnnual surcharge of $1,200 for medical coverage only

$25.00 weekly

Legal spouse or domestic partner have access to coverage elsewhere and enroll in coverage at Service King

Affidavit during enrollment

Annual surcharge of $1,200 $25.00 weekly Teammate only Affidavit during enrollment All forms of tobacco, not just

smokingTobacco cessation program offered

No cost Upon completion, surcharge

discontinued

IMPORTANT: All teammates will be auto-enrolled with Tobacco surcharge. Teammates whose spouse is currently enrolled on the plan will also be auto enrolled with the Spousal surcharge. You must log in or call Mercer to answer Tobacco/spousal questions to remove surcharges.

Smoking Cessation ProgramsBCBS (866) 412-8795 Kaiser (800) NOBUTTS

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Medical Contributions

REMINDER: All teammates will be auto-enrolled with Tobacco surcharge. Teammates whose spouse

is currently enrolled on the plan will also be auto enrolled with the Spousal surcharge. You must log

in or call Mercer to answer Tobacco/spousal questions to remove surcharges.

Court Ordered Medical SupportService King will automatically enroll your

child(ren) in the $1,850 Deductible Plan with HRA unless you select a different plan.

Teammate & Child(ren) = $69.00

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Medical – Embedded Deductible

Dad: $100,000 in OOP costsFamily pays:

$2,850 Deductible + $2,850 Coinsurance = $5,700Plan pays: $94,300

Mom: $20,000 in OOP costsFamily pays:

$2,850 Deductible + $2,850 Coinsurance = $5,700Plan pays: $14,300

Child: $1,000 in OOP costsFamily pays: $0

Plan pays: $1,000

Individual Out-of-Pocket Max: $5,700Family Out-of-Pocket Max: $11,400

• In this scenario, the family pays a total of $11,400

• Since there is an embedded deductible, each individual is responsible for paying the individual out-of-pocket max up to the total family out-of-pocket max

Example: $2,850 Individual / $5,700 Family deductible, and 70% coinsurance. Richard, his spouse, and child are enrolled in this plan. Let’s say Richard has a hospital claim that costs $100,000:

Since the plan has an embedded deductible, Richard must pay the individual deductible of $2,850, and then 30% of the remaining $97,150 up to the individual out-of-pocket maximum or an additional $2,850, for a total of $5,700

Mom must pay the individual deductible of $2,850, and then 30% of the remaining $17,150 up to the individual out-of-pocket maximum or an additional $2,850, for a total of $5,700

The plan covers the child’s claim at 100% since the family out-of-pocket maximum has been met.

FSA/HRA/HSA

An employer funded health benefit that reimburses

teammates for out of pocket expenses

• Teammates enrolled in the $1850 Plan will receive HRA funding from Service King

• Service King contributes $250 for single coverage and $500 annually for family coverage

• While FSA and HSA allow teammates to contribute pre-tax dollars through payroll, an HRA is solely funded by Service King. Teammates cannot make contributions to an HRA and funds are not portable

An individual medical savings account that lets you save towards eligible healthcare

expenses

• Eligible expenses include coinsurance and prescriptions

• Teammates enrolled in the $2,850 Deductible Plan can contribute up to $3,500 single or $7,000

• SK contributes $250 annually for single coverage and $500 annually for family coverage.

• Contributions are made quarterly and teammates must have an open HSA account to receive funding

• HSA accounts can accumulate year over year and are portable

Allows an individual to set aside pre-tax money to use

for eligible expenses

HEALTH CARE• Health care contribution

limit of $2,650 annually• Participants receive a debit

card• Qualified medical, dental,

and vision expenses• USE IT OR LOSE IT• Can be used if enrolled in

the $900 or $1850 Deductible Plan

DEPENDENT CARE• Must be used for children

under age 13• Can be used for daycare,

before/after school care and summer camps

• Dependent care contribution limit is $5,000

• Can be used without enrollment in any medical plans

Flexible Spending AccountsEligible with $900/$1850 Plans

Health Savings AccountEligible with $2,850 Plan

Health Reimbursement AccountEligible with $1,850

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Telemedicine

• Consider telemedicine for non-emergent health treatment!• Board certified physicians via phone, web video or email, 24/7/365• Convenient access from your home or office• Secure and easy way to visit your doctor• Saves travel time and expense

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Dental

**Pre-certification is recommended for dental expenses over $200.MetLife may require additional dental documentation for services provided.

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Vision

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Supplemental Insurance Plans

Accident

Critical Illness

Hospital Indemnity

Accident insurance provides cash benefits in cases of accidental injuries. e.g. Fractures, cuts, concussions.

Critical Illness provides a lump-sum payment upon the first diagnosis of a covered condition. e.g. Cancer, heart attack, organ transplant

Initial Benefit: $15,000 or $30,000

Hospital Indemnity helps provide coverage for those expenses your medical coverages does not cover when you are admitted to the hospital. e.g. Deductibles, coinsurance, out of pocket expenses, rent, mortgage, etc.

Additional Benefits

• Access to attorneys for common legal services, such as: will prep, estate planning, family law, and more.

• Teammate, spouse, and dependents have access to a network of 13,500 attorneys nationwide.

• Helps reduce risk, deter theft attempts, detect fraud and manage the restoration process in the event of identity theft.

• Monitors your identity to uncover fraud at its inception. • Annual credit report, monthly credit scores, and monitoring of your credit file.• Certified advocates assist and resolve identity theft issues.

• Offers cost-effective coverage for unexpected veterinary care if medical issues arise.• Several policy options available to meet a variety of needs and budgets.• Mercer Marketplace participants are eligible to receive at least a 5% discount.

• Lowers your commuting costs by paying for qualified transportation expenses, such as transit passes and parking.

• Set up like an HSA account; weekly deduction for qualifying transportation for work. • Call Mercer for more details.

• Offers 24/7 access to exclusive prices, discounts, and offers from hundreds of local and national merchants.

• Choose from health clubs, movie theaters, restaurants, retailers, and all major cell phone providers. www.PerkSpot.com CODE: 9Z1XRD

Identity Theft Protection

(InfoArmor)

Transportation Benefit (Mercer

Marketplace)

Legal Benefit(MetLife Hyatt)

Online Discount Mall

(PerkSpot)

Pet Insurance(Nationwide)

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Life Insurance Overview

Employer paid Basic Life Coverage through UNUM

Company paid Coverage equal to $20,000

Teammate AD&D Coverage through UNUM

Company paid Coverage equal to $20,000

Supplemental Life Coverage through UNUM

Optional/Teammate-PaidTeammate:

Coverage available in increments of $10K up to a max compensation up the lesser of $750,000 or 7X pay (combined with Basic Life) Guaranteed issue (GI) of $300,000; if currently

enrolled an increase in coverage will require EOI Spouse/Domestic Partner: Multiples of $5,000 up to $200,000 or 100% of Teammate Life Insurance Guaranteed issue of $50,000 If currently enrolled an increase in coverage will require EOI

Child(ren): Multiples of $5,000 up to $20,000 Guaranteed issue of $20,000

Don’t forget to elect a life insurance beneficiary designation!

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Disability Coverage through UNUM

Short-Term Disability (STD) Up to 13 weeks of coverage at a % of weekly earnings* in the event you are disabled and unable to work.• Pre-existing conditions may apply• 40% Option

• Paid by Company• Weekly earnings• Taxable

• 60% Buy-up Option• Paid by Teammate• Weekly earnings• Taxable• New enrollee’s – pre-existing applies• Now provides up to $2,000 weekly in

income replacement

Voluntary Long Term Disability (LTD)• Paid by Teammate• Weekly earnings *• Non-taxable• Choice of 40% or 60% of pre-disability

eligible earnings – up to $10,000 per month follows – 13 week elimination period – New enrollee’s – pre-existing applies

and subject to Evidence of Insurability

IMPORTANT REMINDER: While out on Leave you are still responsible for your weekly benefit premium payments.

*See summary plan description on skbenefits.com for weekly earnings definition

Employee Assistance Program

Mental Health Counseling1-5 SessionsStress / Relationship IssuesAnxiety / Depression / Trauma/PTSD

PhysicalAddictions / Substance AbuseThreats of Violence

Work / Life BalanceChild or Elder Care / Workplace IssuesFinancial Issues / Debt ManagementLegal Issues (non-work)

Crisis AssistanceEmotional WellnessStress / Support Services Coping Strategies / etc.

Health & WellnessTracking Daily Goals OnlineHealth Coaches

Work Life ServicesCounseling, education, referral services, personalized assistance, concierge services,etc.

Types of Services an EAP Offers• Available 24 hours a day, 365 days per year• FREE to teammates and eligible dependents• Confidential Counseling from Licensed Counselors• Reduces time away from work Visit MagellanHealth.com/Member

100% CONFIDENTIAL ***FREE – NO COST TO YOU!***

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Pro-Tech Tool Insurance

• Teammates have the opportunity to purchase insurance for their personal tools

• One-time annual payment made directly by the teammate to the Pro-Tec, CMS Insurance Services

• Fully Transferable• Take pictures of your tools and always keep a current inventory log• Download apps, such as Sortly to help keep images

• Apply NOW: You do not have to wait until Open Enrollment!www.pro-tecinsurance.com/serviceking/application.htmlCall for details: (800) 344-3501

Coverage Level Cost

$20,000 $200 per year

$30,000 $300 per year

$50,000 $400 per year

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Cariloop

Ready to get started? Call: (844) 869-5667

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401(k) Plan – Fidelity Investments

• Enroll anytime after 90 days of employment and age 21.

• Company provides discretionary match annually, currently at 50% of the first 8% contributed. Teammate must be active on December 31 to receive annual match.

• That means: For every $1 you save, Service King puts in $.50

• Three year vesting: 33% / 66% / 100%

• You may elect a percentage of pay to save or a specific dollar amount through payroll deduction.

• Amount you contribute is tax-deferred. You pay taxes only when you withdraw the money. You’ll pay a penalty if you withdraw your account prior to age 59-1/2.

• Changes can be made at anytime to your account by logging into your Fidelity account at www.401k.com or by calling the Retirement Benefit Line @ 1-800-835-5097.

An ExampleIf you earn $30,000/year and save 8% in your 401(k):• Annual

Amount You Save = $2,400

• Service King Match = $1,200

• Total Amount in Your Account = $3,600 (before interest)

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Open Enrollment Reminders (October 9-23)

• To enroll in benefits, visit www.mercermarketplace.com/servicekingbenefits.

• Changes to benefit selections by teammates may be made at any time prior to the enrollment deadline

• Contact Mercer Marketplace to reset your password if you need assistance.

Mercer Benefit Call Center: (855) 344-9807

English / Spanish

How Do I Enroll?

What happens if I don’t enroll?• This is your annual opportunity to add/drop/change coverage for you and your eligible dependents• If you do not enroll by October 23 @ 9pm CST, you will be automatically enrolled in your current

coverage, with exception for flexible spending (Health/Dependent Care/Transportation) and savings accounts.

• You will be automatically enrolled with a Tobacco Surcharge and a Spousal Surcharge(Teammate + Spouse/DP or Family).

• To REMOVE surcharge, you must contact Mercer (call or online) to answer the questionnaire.

Enrollment – 3 Step Process

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Dependent Documentation

ADDING A NEW DEPENDENT?Eligibility documentation is required!

Deadline to submit documentation to Mercer: October 23• Examples of Documentation (for full list see benefits guide)

• Marriage Certificate (Spouse)• Domestic Partner (DP) Affidavit• One additional document: 1040 Form/Insurance Form (Spouse/DP)• Proof of Birth (Child)• Court Document & Income Tax Form (Guardianship)

• Send supporting dependent documents to Mercer via:• Email: MercerMarketplace.BenefitCenter@mercer.com• Fax Number: (515) 365-4364

• (Coversheet must have your name and EE ID#)

QUESTIONS: Mercer Benefit Call Center: (855) 344-9807

New hires between October 1 and December 31

NEW HIRES – October 1 – November 30• Enroll in 2018 New Hire benefits AND 2019 Benefits within 30 days of hire date

NEW HIRES - December 1 – December 31• Enroll in 2019 Open Enrollment benefits within 30 days of hire date

IMPORTANT

ADP Information verification

IMPORTANT REMINDER – Update ADP Contact Info

• To ensure you receive your insurance cards and communication timely, please update your home address, phone numbers, email addresses and emergency contact information are up-to-date in ADP.

https://adpvantage.adp.com/public/index.htmClick: Myself / Personal / Personal Information / select what you need to update / Edit

For assistance, please contact the Training Support Center at (469) 330-1771

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Questions

Mercer Benefit Call Center:

(855) 344-9807