Required Notices

• Medicare Part D Notice of Credible Coverage
• USERRA (Uniformed Services Employment & Reemployment Rights Act)

• Right to Annual Change of Flexible Benefit Elections

Remember, your medical, dental, flexible benefit and vision contributions are effectively reduced by pre-tax payment through our flexible benefit plan. IRS regulations permit you to change your pre-tax elections only on January 1 unless you experience a qualifying status change. This means you may only reduce coverage (change from family to single) or terminate coverage in December of each year for a January 1 effective date, unless you experience a qualifying change in status. You must notify Human Resources of any changes prior to January 1. Changes in status include: changes in legal marital status, number of dependents, employment for you or your dependent, number of hours worked, eligibility of your dependent, entitlement to Medicare or Medicaid, or a spouse’s open enrollment. Any mid-year change in election must be consistent with and because of the event. You must notify Human Resources within 30 days of a change in status.

• Women's Health and Cancer Rights Act

The medical plan provides coverage for medically necessary mastectomies and reconstructive surgery of both breasts as well as any prostheses and resulting complications. In the case of a participant who is receiving benefits under the health plan in connection with a mastectomy and who elects breast reconstruction, the coverage will be provided in a manner determined in consultation with the attending physician and the patient, for:

reconstruction of the breast on which the mastectomy was performed

surgery and reconstruction of the other breast to produce a symmetrical appearance; and

prostheses and treatment of physical complications at all stages of the mastectomy, including lymphedemas.

Such benefits are subject to the deductibles, coinsurance and other provisions as outlined in the Summary Plan Description.

NOTE: This notice is being provided pursuant to the Women’s Health and Cancer Rights Act of 1998.