PFIZER BENEFITS ADVANTAGE

PFIZERBENEFITSADVANTAGEVOLUNTARY BENEFITS FOR ELIGIBLE PFIZER U.S. COLLEAGUES

Exclusive Pfizer RatesAccident Insurance Auto & Home InsuranceCritical Illness InsuranceIdentity Theft ProtectionLegal ServicesPet Health Insurance www.PfizerAdvantage.com

http://www.PfizerAdvantage.com

2 www.PfizerAdvantage.com

Accident Insurance 4• MetLife

Auto & Home Insurance 5• MetLife Auto & Home• Liberty Mutual• Travelers

Critical Illness Insurance 8• Humana

Identity Theft Protection 9• InfoArmor Legal Services 10• Hyatt Legal Plans

Pet Health Insurance 11• Nationwide


3www.PfizerAdvantage.com

Pfizer Benefits Advantage provides access to discounted rates for accident insurance, auto and home insurance, critical illness insurance, identity theft protection, legal services, and pet insurance as well as a vision savings program*. You can enroll or cancel your enrollment in all but the accident, critical illness and legal services plans at any time. Signing up is easy and colleagues can enjoy payments through payroll deduction.

Building Better BenefitsDetails on the assortment of voluntary benefits now available are pro-vided in this booklet. For quick reference, a plan overview is shown below. For more information, visit www.PfizerAdvantage.com today or contact Pfizer Benefits Advantage customer care at 888-926-2525.

*The vision savings program is offered at no cost and provides discounts on eye care products and services.

Accident Insurance1, 2

Auto & Home Insurance1, 2

Critical Illness1, 2

ldentity Theft Protection1, 2

Pet Health Insurance1

Vision Savings Program

Legal Services1, 2

Pfizer Benefits Advantage offers a choice of three providers.

MetLife (800) 438-6388

Liberty Mutual (855) 645-2150

Humana (877) 872-4414

InfoArmor (800) 789-2720

Nationwide (877) 738-7874

MetLife VisionAccess

(800) 275-4638

Hyatt Legal Plans (800) 821-6400

MetLife Auto & (800) 438-6388Home

Travelers (888) 695-4640

You can enroll during annual enrollment, or within 31 days of employment or becoming eligible for benefits, without having to answer medical questions. You may cancel at anytime.

You may enroll or cancel at anytime.

You can enroll and elect up to $50,000 at annual enrollment, or within 31 days of employment or becoming eligible for benefits, without having to answer medical questions. You may cancel at anytime.



Enrollment is not required. This is a discount sav-ings program only, provided at no cost to you.

New hires or those newly eligible for benefits may enroll within 31 days of their hire date or status change. All others may enroll or cancel only during Annual Enrollment (AE) period. Your enrollment will automatically renew unless you cancel during the AE period.



PRODUCT

1 - This coverage may be continued on a direct-billed basis with the provider should your employment with Pfizer end. 2 - Coverage is available for Pfizer colleagues and/or eligible family members. (Certain restrictions may apply. See product details or contact provider for additional information.)

Welcome to Pfizer Benefits Advantage

ENROLLMENT TERMSPHONE NUMBERPROVIDER



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Accident Insurance Helps You FocusOn Recovery & Not On Your FinancesAccidents can happen anywhere and to anyone. They can lead to trips to the emergency room and the doc-tor’s office, which could amount to bills and expenses not covered by your medical and disability insurance. Help alleviate the added cost that may result from an accident with MetLife Accident insurance.

We’ve Got You CoveredAccident insurance provides a lump sum benefit if you or your covered family members experience a wide variety of accidental injuries including fractures, concussions and burns, and is different than the Accidental Death and Dismemberment (AD&D) insurance plan. There are over 150 different covered events, such as these:• Fractures• Concussions• Dislocations• Cuts/lacerations• Second and third degree burns

• Eye injuries• Skin grafts• Coma• Torn knee cartilage• Broken teeth• Ruptured disc

It’s Your MoneyPayments are made directly to you. You decide how to spend them. Pay for medical expenses not covered by your medical plan, like copays or deductibles, or for non-medical needs like household bills, childcare, or home modifications. You Won’t Be Denied CoverageYou and your eligible family members are guaranteed1 coverage, as long as you are actively at work. No medical exam and no hassle.

Information provided by MetLife

Accident Insurance from MetLife®

1Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas. 210 Leading Causes of Bankruptcy, 2015 Clear Bankruptcy, LLC.

Accessed May, 2015. METLIFE’S ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. There is a preexisting condition exclusion for hospital sickness benefits, if applicable. There are benefit reductions that begin at age 65. And, like most group accident and health insurance policies, policies offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife’s Group Accident Insurance is pending regulatory approval. 3National Safety Council (2012) Injury Facts, 2012 Edition. Itasca, IL: Author (based on a 2010 US resident population of 309.6 million with 19.9 million reported injuries). 4National Hospital Ambulatory Medical Care Survey: 2011 Emergency Department Summary Tables (based on 136.3 million total annual ER visits). 5Agency for Healthcare Research and Quality. Emergency Room Services-Mean and Median Expenses per Person With Expense and Distribution of Expenses by Source of Payment: United States, 2011. Medical Expenditure Panel Survey Household Component Data. Generated interactively. (February 12, 2014)

Don’t Worry About Missing A PaymentPremiums will be automatically deducted from your pay-check making this coverage more convenient for you.

Visit www.PfizerAdvantage.com today to learn more or to enroll under your group discount. For additional information, call 1 800 GET-MET 8 (1-800-438-6388) and identify yourself as a Pfizer colleague. (Program subject to annual enrollment terms.)

Recent studies have shown 42% of all personal bankruptcies are a result of medical expenses. The study also reveals that 78% of those who filed had insurance.2

Accidents can happen at any time: every 2 seconds at home … every 6 seconds at work … and every 9 seconds on the road.3 In the U.S. in 2011, there were more than 40,000,000 trips to the emergency room due to accidents.4 At an average cost of $1,354 per visit,5 it’s easy to see why having accident coverage makes good financial sense. Just think about the likelihood of having an accident:• Your child gets hurt playing sports or on the school playground• You injure yourself while doing home repairs or while on vacation

A Few Quick Statistics



MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Proper-ty and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify. L0216457129[exp0119][All States][DC]


Program DescriptionMetLife Auto & Home is a voluntary group auto and home* benefit program that provides you with access to insurance coverage for your personal insurance needs. Policies available include: auto, home, land-lord’s rental dwelling, condo, mobile home, renters, recreational vehicle, boat, and personal excess liability policies.

BenefitsThe program gives you access to special group discounts. You could also benefit from these program features:• One easy-to-remember, toll-free number, 1 800 GET-MET 8, for all your insurance needs, such as receiving free insurance quotes, making changes to your policy, or just asking questions• 24-hour claim reporting• Extended customer service hours, including week day evenings and Saturdays• Coverage you can take with you, should you retire or leave the company for another reason• Enhanced product coverages that are built into every auto policy**

Convenient Payment OptionsYou can choose to have your premiums automatically deducted from your paychecks or bankaccount. With these options, insurance premiums are spread throughout the policy term with no down payments, interest charges, or service fees (a down payment is required in some instances). Other payment options are available.

Free Premium Quotes And Application ProcessingSince everyone’s insurance policies renew at different times during the year, you may apply for group auto and home insurance at any time.

Visit www.PfizerAdvantage.com today to learn more or to try the Auto Insurance Quote Comparison Tool. For quotes on auto, home and renters insurance with multi-policy discounts, call 1 800 GET-MET 8 (1-800-438-6388) and identify yourself as a Pfizer colleague.*Home Insurance is not part of MetLife Auto & Home’s benefit offering in MA & FL. **See policy for restrictions.

Auto and Home Insurancefrom MetLife Auto & Home®

Information provided by MetLife




1Accident Forgiveness is subject to terms and conditions of Liberty Mutual’s eligibility guidelines. Not available in CA and may vary by state. 2Applies to a covered total loss. Your car must be less than one year old, have fewer than 15,000 miles, and have had no previous owner. Does not apply to leased vehicles or motorcycles. Subject to applicable deductible. Not available in NC or WY. 3Optional coverage. Applies to a covered total loss. Deductible applies. Does not apply to leased vehicles and motorcy-cles. Not available in NC. 4Subject to applicable deductible, policy terms, and conditions. Not available in all states. 5Subject to eligibility require-ments. Benefits and eligibility requirements may vary by state. 6Optional coverage provides additional protection for owned or leased items such as computers, peripheral devices, software, and media, including smart-phones and iPads. Items such as “smart” appliances with computer chips or the like are not covered. Other restrictions apply. Borrowed items not covered. Deductible of $50 will apply. Coverage provided and underwrit-ten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA 02116. ©2016 Liberty Mutual Insurance

We’ll Help You Worry Less, Whether You’re On The Road Or Relaxing At HomeWith Liberty Mutual Insurance, you’ll receive customized coverage, unique features, benefits, and discounts that will help you worry less and save more.

Pfizer colleagues could receive exclusive group savings of up to hundreds of dollars a year on already competi-tive rates when they purchase auto and home insurance with Liberty Mutual.

Auto Protection You Can Depend OnLiberty Mutual’s coverage provides a range of options—from collision to liability—and features such as Accident Forgiveness1, New Car Replacement™2, and Better Car Replacement™3. And should you have an accident, Lib-erty Mutual will work to get you back on the road quickly with 24-Hour Roadside Assistance coverage.

Home Protection That Helps You Sleep Better At NightLiberty Mutual’s home coverage provides protection for your home, your possessions, and your liability. And you can benefit from features such as Home Protector Plus™4, Loss Forgiveness5, Home Computer and Smart Phone coverage6, and Multi-Policy discounts. And should your property be damaged or stolen, Liberty Mutual will be there with 24-Hour Emergency Repair Services, a Contractor Network Referral program, and a Personal Property Replacement Service.

Discounts That Keep Pace With Your LifeWherever you are in life, Liberty Mutual will make sure you’re fully protected and aware of all the additional money-saving discounts you’re eligible for.

Sales And Service Your WayYou can purchase your policy through one of our local licensed Liberty Mutual Sales Representatives, online,

or through our licensed call centers. And we offer mul-tiple payment options such as payroll deduction, direct billing, online payment, and automatic deductions from your bank account.

Additional Coverages Make Sure You’re Fully ProtectedLiberty Mutual also offers motorcycle, condo, renters, watercraft, personal liability (umbrella) and identity fraud expense coverage.

Visit www.PfizerAdvantage.com today to learn more or to try the Auto Insurance Quote Comparison Tool. For quotes on auto, home and renters insurance with multi-policy discounts, call 1-855-645-2150 and identify yourself as a Pfizer colleague.

Auto and Home Insurance from Liberty Mutual

Information provided by Liberty Mutual




Travelers Auto And Home Insurance Program You could get the coverage that fits your needs for your auto, home and personal possessions with a savings advantage from Travelers. With over 160 years of experience and highly rated in the industry, you can trust Travelers for peace-of-mind protection. In fact, 9 out of 10 customers who have had a claim would recommend Travelers to others.*

Benefits-At-A-Glance• Special program savings• Money-saving discounts• Additional coverage options• Convenient payment methods and plans, including payroll deduction • Apply year round• 24/7 claim reporting• Portable policies

Licensed insurance representatives at Travelers can help you find the coverage you need and can help you determine your savings. You can request a quote

Insurance is underwritten by The Travelers Indemnity Company or one of its property and casualty affiliates, One Tower Square, Hartford, CT 06183. In CA: Insurance is underwritten by Travelers Commercial Insurance Company, One Tower Square, Hartford, CT 06183, Certificate of Authority # 6519, or Travelers Property Casualty Insurance Company, One Tower Square, Hartford, CT 06183, Certificate of Authority # 6521, State of Domicile: Connecticut. In FL: Homeowners insurance is not currently offered for new business. In TX: Auto insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers company. Coverages, discounts, special program rates or savings, billing options, and other features are subject to availability and individual eligibility. Not all features available in all areas. © 2016 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.

or switch at any time, even if your current policy isn’t expiring soon. Visit www.PfizerAdvantage.com today to learn more or to try the Auto Insurance Quote Comparison Tool. For quotes on auto, home and renters insurance with multi-policy discounts, call 1-888-695-4640 and iden-tify yourself as a Pfizer colleague.

* Based on Travelers Personal and Business Insurance Auto & Property Policyholder Claim Survey (2015).

Auto and Home Insurance from Travelers

Information provided by Travelers



1Heart Disease and Stroke Statistics – 2015 Update: a report from the American Heart Association. Circ. 2015;131:e29-e322. 2American Cancer Society, Cancer Facts and Figures 2015.Benefits and riders may vary by state and may not be available in all states. This is not a complete disclosure of plan qualifications and lim-itations. Please access our website to obtain a completed list for the workplace voluntary benefit products at Disclosure.Humana.com. Please review this information before applying for coverage. The amount of benefits provided depends on the plan selected. Premiums will vary according to the selection made. THIS POLICY PROVIDES LIMITED BENEFITS. Policy: 8011. Insured by Kanawha Insurance Company, a Humana Company

• No physical examination required up to $50,000 in coverage

• Enhanced plan design offers additional coverage for conditions such as Parkinson’s Disease and a Benign Brain Tumor

Key Features


If You Become Seriously Ill, You Can Rest Easy With A Humana Critical Illness Plan. During an afternoon jog, you experience unexplained chest pain. You rush to the hospital where you learn you are having a heart attack. After a series of tests, it was discovered you also have renal carcinoma in situ. No one likes to think it might happen to them, but every 43 seconds someone in the United States suffers a heart attack1 and more than 1.6 million new cancer cases are expected to be diagnosed in 2015.2

The direct and indirect costs of care can cost thousands of unexpected dollars. Could you afford to pay your bills if this happened to your family? The Humana Critical Illness Plan helps protect you, your family and your savings from unexpected expenses associated with a covered critical illness or cancer diagnosis.

Here’s How It WorksThe plan:• Pays one lump sum benefit directly to you or whomever you designate• Can cover you, your spouse and your children• Can be used to pay for unexpected expenses like your medical deductible, home healthcare, rehabilitation expenses or day-to-day living expenses• No physical examination required for up to $50,000 benefit• Pay your premiums through payroll deduction

Additional benefits:• Benefit recurrence provides an additional benefit for the same condition if a covered participant is treatment-free for at least 180 days• $500 additional benefit for an evaluation at a National Cancer Institute (NCI) sponsored cancer center• Policy riders for transportation and lodging benefits

Visit www.PfizerAdvantage.com today to learn more or to enroll under your group discount. For additional information, call 1-877-872-4414, Monday through Friday, 8:00 a.m. to 7:00 p.m. EST. (Program subject to annual enrollment terms.)

Critical Illness Insurance from Humana

Information provided by Humana



Your Identity Belongs To You, Protect It TodayWith InfoArmor’s comprehensive identity protection plan PrivacyArmor,® you can enjoy peace of mind, financial reassurance and time saving expertise.

Identity & Credit MonitoringEnjoy peace of mind with proactive monitoring for the most damaging types of fraud.* Uncover and resolve issues early to help minimize damages. Your credit is monitored through TransUnion, Equifax and Experian.

Credit Scores and ReportsStay informed and protect your financial assets by detecting credit misuse quickly. Access a monthly credit score and a credit report each year from TransUnion.

Social Media Reputation MonitoringActionable alerts help defend you and your family from reputational damage or cyberbullying. We monitorFacebook, LinkedIn, Twitter, and Instagram profiles.

Wallet ProtectionMinimize stress and potential damages. InfoArmor can easily replace the contents of a lost or stolen wallet through an online, secure vault that conveniently stores important documents.

Password ProtectionUsing complex passwords is simple and safe. Our secure vault automatically saves and syncs your pass-words across desktop and mobile devices.

Digital Exposure ReportTake control of your privacy. Our deep internet search creates a snapshot of your exposed information online.

Privacy Advocate RemediationHave an expert on your side to guide you through the identity restoration process and fight back against identity thieves.

$1,000,000 Identity Theft Insurance PolicyIf you are a victim of fraud, we will reimburse your out of pocket costs to reinforce your financial security.†

Solicitation Reduction and IdentityMDReduce unwanted calls, mail and preapproved credit

offers and receive guidance on how to limit exposure to fraud.

Affordable plans for you and your family!‡

Visit www.PfizerAdvantage.com today to learn more or to enroll under your group discount. For additional information, call 1-800-789-2720 and identify yourself as a Pfizer colleague.

Information provided by InfoArmor

Identity Theft Protection from InfoArmor

Sources: 1 Javelin Strategy and Research: 2015 Identity Fraud Report2 Javelin Strategy and Research: 2016 Identity Fraud Report©2016 InfoArmor, Inc. All rights reserved. 3ITRC “Identity Theft: The After-math” 2008. *Network provides comprehensive coverage, although no solution can detect all suspicious activity. Nonetheless, our Privacy Advo-cates will work tirelessly to restore your identity regardless of when or how the damage was done. †Identity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG. The description herein is a sum-mary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies describe. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Cover-age may not be available in all jurisdictions. ‡Family coverage is available for individuals that are supported by you financially or live under your roof.©2016 InfoArmor, Inc. All rights reserved.

• 2 SECONDS: Every 2 seconds an identity is stolen.1

• 13.1 MILLION: Number of identity theft victims in 2015.2

• $15 BILLION: Amount stolen from fraud victims in 2015.2

• 165 HOURS: Average time it takes to restore an identity.3

A Few Quick Statistics

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Legal Services from Hyat t Legal Plans

Value And Convenience With The Hyat t Legal Plan Legal matters, both planned and unplanned, are part of life. Enrolling in a Hyatt Legal Plan gives you the financial and emotional peace of mind to know you will be covered for expected and unexpected legal events. The Hyatt Legal Plan provides you, your spouse and dependents with fully covered legal services from attorneys experienced in estate planning documents, civil suits, adoption, creditor issues and much more.

Sign up for a convenient payroll deduction, during your open enrollment period, and save hundreds over typical

attorney fees… with no deductibles, no co-pays, no claim forms or usage limits when using a plan attorney.

Choose from 14,000 attorneys nationwide. Receive fully covered legal advice and representation for a wide range of legal matters. You can consult with your attorney on the phone or in person. You can also use a non-plan attorney and get reimbursed for covered services according to a set fee schedule.*It’s easy to access the right attorney online, by phone, or in person.

Visit www.PfizerAdvantage.com today to learn more or to enroll under your group discount. For additional information, call 1-800-821-6400, Monday through Friday, 8:00 a.m. to 7:00 p.m. EST and identify your-self as a Pfizer colleague. (Program subject to annual enrollment terms.)

COVERED SERVICES: Administrative HearingsAdoptionAffidavitsBoundary or Title DisputesCivil Litigation DefenseConsumer Protection MattersDebt Collection DefenseDeedsDemand LettersDocument ReviewDomestic Violence Protection

Elder Law MattersEviction and TenantProblems (for tenants)Uncontested GuardianshipHome Equity Loans(primary home)Identity Theft DefenseImmigration AssistanceIncompetency DefenseJuvenile Court DefenseLiving WillsMortgagesName Change

Personal BankruptcyPersonal Property ProtectionPowers of AttorneyPrenuptial AgreementPromissory NotesProperty Tax AssessmentRestoration of Driving PrivilegesSale, Purchase or Refinancing (primary home)Security DepositAssistance (for tenants)

Small Claims AssistanceTax AuditsTraffic Ticket Defense (excludes DUI)TrustsWills, CodicilsZoning Applications

*You will be responsible to pay the difference, if any, between the plan’s payment and the non-plan attorney’s charge for services. Please see your plan description for complete details. Group Legal Plans are provided by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, group legal plans are provided through insurance coverage under-written by Metropolitan Property and Casualty Company and Affiliates, Warwick, Rhode Island.


Information provided by Hyatt Legal Plans



Pet Health Insurance from Nationwide


Pet insurance from Nationwide® can help you balance the cost of many annual or one-time expenses, as well as help you cover the cost of unexpected treatments.

Overview Nationwide brings you health insurance coverage for your pets. A pet insurance policy from Nationwide helps pay for your pet’s treatments, surgeries, lab fees, X-rays and much more. You’ll have peace of mind knowing you can care for your pet no matter the cost.• Freedom: You’re free to use your choice of veterinarian (no preapproval necessary) worldwide– including specialties and emergency providers.• Flexibility: Nationwide’s plans are licensed in all 50 states.• Savings: Receive discounts when enrolling multiple pets – up to 5%, 10% and 15%.• Extras: Through our vetHelplinesm, policyholders receive live veterinarian guidance 24/7 about their pet’s health, from general questions to identifying urgent care needs. In addition, policyholders enjoy discounts on pet products and services, a newsletter, online support and more.

Since 1982, Nationwide has been the nation’s leading provider of pet health insurance. Don’t let another vet bill come your way before you decide to take action. Experience the protection and peace of mind that pet insurance from Nationwide can provide.

Visit www.PfizerAdvantage.com today to learn more or to enroll under your group discount. For additional information, call 1-877-738-7874 and identify yourself as a Pfizer colleague.

Insurance plans are offered and administered by Veterinary Pet Insurance Company in California and DVM Insurance Agency in all other states. Underwritten by Veterinary Pet Insurance Company (CA), Brea, CA, an A.M. Best A rated company (2013); National Casualty Company (all other states), Madison, WI, an A.M. Best A+ rated company (2014). Nationwide, the Nationwide N and Eagle, and Nationwide Is On Your Side are service marks of Nationwide Mutual Insurance Company. ©2016 Nationwide.

Information provided by Nationwide



v.10/2016

Pfizer Benefits Advantage3505 East Frontage Rd., Suite 160Tampa, FL 33607

Have questions?Call Pfizer Benefits Advantage anytime at 888-926-2525.

www.PfizerAdvantage.com

Exclusive Pfizer RatesAccident Insurance

Auto & Home InsuranceCritical Illness InsuranceIdentity Theft Protection

Legal ServicesPet Health Insurance


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PFIZER BENEFITS ADVANTAGE