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MyIsleBenefits.com

2 MyIsleBenefits.com

Introduction ............................................................................................................ 3 Eligibility & Enrollment Process .......................................................................... 4 How to Use Employee Access & MyIsleBenefits ................................................ 5 Teladoc with HelpCard .......................................................................................... 6-11 Hospital Income Plan ............................................................................................ 12 Cancer Plan ............................................................................................................ 13 Optional Term Life ................................................................................................ 14 Critical Illness Plan ................................................................................................ 15 Disability ................................................................................................................ 16 Accident Plan ......................................................................................................... 17 Legal Plan .............................................................................................................. 18 Identity Theft Protection ...................................................................................... 19 Retirement .............................................................................................................. 20 Employee Assistance Program ............................................................................ 21 CHIP Notice ............................................................................................................ 22-24 Rates ....................................................................................................................... 25-27

TELADOC ............................................................................................................... 855-847-3627

LIFE ASSISTANCE EAP ........................................................................................ 800-538-3543

COLONIAL Customer Service .............................................................................. 800-325-4368

INFOARMOR Identity Theft Customer Service ................................................... 800-789-2720

METLAW Legal Service Customer Service ......................................................... 800-821-6400

PRUDENTIAL 401(k) Customer Service............................................................... 877-778-2100

TABLE OF CONTENTS

Need Help with Enrollment?

Contact BenefitHelp at 888-663-1285 option #2

or email [email protected] for assistance.

Who Do I Contact After Enrollment?

Corporate Benefits Department at 855-694-7531 or e-mail [email protected]


Part-Time Employee Benefit Options

HelpCard - Offers a variety of healthcare discounts including Teladoc doctors by phone, physician office visits, lab testing, diagnostic imaging, pharmacy prescriptions, dental, vision and hearing services and much more.

Hospital Income Plan - For when you are concerned about hospital bills.

Cancer Protection Plan - Focus on recovery, not the bills. Four benefit levels are available.

Critical Illness Plan - What can living with a Critical Illness mean to you? Coverages from $5,000 to $50,000 available.

Accident Plan - Protecting you from life's little accidents.

Term Life Insurance - For you and your dependents. Taking care of those you love.

Disability Coverage - Protect your paycheck. You choose the benefit payment period.

Legal Plan - Access to attorneys at a price that won’t break your budget.

Identity Theft Protection Plan - ID Monitoring and Restoration.

The Isle of Capri Casinos takes pride in offering our PART-TIME employees one of the most competitive benefit packages in the industry. Employees enjoy favorable purchasing power due to negotiated discounts for a variety of benefit plans.

YOUR EMPLOYEE BENEFITS PACKAGE


ELIGIBILITY & ENROLLMENT PROCESS

When am I Eligible for Benefits? You are eligible for the Isle of Capri part-time employee benefits once you complete your eligibility waiting period of 90 days of active service and work an average of 20 or more hours per week.

When does my coverage begin? Benefits will begin the first of the month following the completion of your 90 day waiting period.

ENROLLMENT SESSIONS Why is it important to meet with an Enrollment Counselor during open enrollment?

To review and verify your current and upcoming elections and payroll deductions. Has

your life changed in the last year? How has it changed? It is important to take a look at your selections and adjust them accordingly to fit your needs and that of your family.

To review and, if necessary, update your beneficiaries. While beneficiary changes can be

made outside of open enrollment, open enrollment is a good time to reflect on changes that you may have had throughout the year and determine if you need to make a change.

Confirm that your contact information is correct and up-to-date.

To add or change Accident, Hospital Income, Cancer, Critical Illness, Life or Disability coverage, you must meet with an Enrollment Counselor.

Enrollment Counselors can also assist you with filing your Colonial Life Supplemental Wellness and other claims to help you obtain dollars due to you.

Enrollment Counselors can help provide you with a better understanding of your

benefits and options.

Check with your Human Resources Department to learn when your employee open enrollment meetings are scheduled. You can also sign up with Human Resources for a

one-on-one, personalized meeting time that is convenient to your schedule.

VERY IMPORTANT! You cannot change or enroll in the Accident,

Critical Illness, Cancer, Hospital Income, Life or Disability Coverage without the

assistance of an Enrollment Counselor.

NEED HELP Enrolling? Enrollment Counselors are available

to answer questions and assist you with your enrollment.


EMPLOYEE ACCESS & MyIsleBenefits.com

How to Use Employee Access for Part-Time Benefit Transactions Enroll in or make changes to your health and welfare benefits using our online intranet site

at https://islenet. The IsleNet site is only available from an Isle of Capri Casinos network computer.

1. ►

Log on to https://islenet. Click on Employee Access.

Your user name is the first initial of your first name and the first five letters of your last name and the last four digits of your social security number. If this is your first time logging into Employee Access, your password is your social security number. You will be prompted to assign a new password once you have answered security questions. (User Name Example: jsmith1234)

2. ► Click Benefits, then New Hire/Benefit Changes and/or Open Enrollment (as applicable) to begin making elections for your benefits.

3. ► Enter the Benefit Change Date and Benefit Change Reason. Benefit Change Date is the effective date of your benefits.

4. ► Select the Benefit Type plan elections you wish to enroll.

5. ► Select Continue which is the right arrow on the top of page.

6. ►

Review your benefit elections. Read the statement and confirm your benefit elections by entering your

password twice. Submit your enrollment by selecting the disc icon located on the top of the page.

7. ►

A confirmation of your benefit enrollment will be placed in your Inbox My Messages. New Hire/ Benefit Changes and Open Enrollment will be reviewed and approved if all applicable documentation is received in a timely manner. Before closing, print your benefit elections and retain a copy for your records and Logout of Employee Access.

Where online can I get more information about my benefits?

Have you ever had trouble locating information about your benefits?

What about trying to remember how to find a participating doctor or dentist?

Not to worry, with MyIsleBenefits.com, you are just an internet connection away.

Important Phone Numbers

Carrier Information

Provider & Facility Searches

Employee Benefit News

Important Documents

Videos about Specific Benefits


Highlights

24/7/365 access to a doctor online or by phone at

NO COST TO YOU!

Fast treatment—Teladoc doctors respond within 24 minutes,

on average

Talk to a Teladoc doctor from anywhere: at home, work,

or while traveling

Save money by avoiding expensive urgent care or ER visits

Cold and flu

Bronchitis

Respiratory infection

Sinus problems

Allergies

Urinary tract infection

Poison Ivy

Pink eye

DISCLAIMERS: ©Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulations and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services. Teladoc phone consultations are available 24 hours, 7 days a week while video consultations are available during the hours of 7am to 9pm, 7 days a week.

This plan is NOT insurance. This discount card program contains a 30 day cancellation period. Your membership is effective upon receipt of membership materials. FL, LA, MS , and TX Residents: Member shall receive a full refund of membership fees, excluding registration fee, if membership is

cancelled within the first 30 days after the effective date. AR and TN Residents: A refund of all fees will be issues if membership is cancelled within the first 30 days. Pharmacy discounts range from 10%

to 85% on most medications. Discount Medical Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box 671309 Dallas, TX 75367-1309

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HelpCard Plan Available for $0.91 / Day

HELPCARD Doctors by Phone


Physician Visit - Galaxy

10% to 40% off at participating physician offices throughout the United States.

Access to primary care physicians, specialists and alternative care providers.

Discounts apply only to services performed in the doctor’s office.

If your doctor is not part of our program, call Member Services. You can also email the name, address, and telephone number of the doctor to [email protected].

Physician Visit benefit is not available to VT residents.

Hospital Referral - Galaxy

10% to 40% off at participating hospitals.*

Use any in-network provider or facility as often as needed.

IN CASE OF AN EMERGENCY, IMMEDIATELY CONTACT YOUR DOCTOR DIRECTLY OR CALL 911.

*Hospital benefit not available to MD, VT or WV residents.

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MRI & CT Scans - NextImage Direct 50% to 75%* off usual charges for the following imaging services:**

MRI

CT Scans

Ultrasound

Large nationwide panel of radiologists and imaging specialists with over 2,900 radiology facilities throughout the United States.

*Savings may vary based on geographic location, provider selected and procedure performed. **Available services may vary by provider.

Lab Testing - DirectLabs

10% to 80% off usual charges for blood tests and all other lab testing.

Not available to MA, MD, ND, NJ, NY, RI, or SD residents.

HELPCARD Additional Services


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Vision - Coast to Coast™ Vision

20% to 60% off prescription eyeglasses, including frames, lenses and specialty items

10% to 40% off soft contact lenses, including disposables, through American’s Eyewear mail order service

10% to 30% off medical eye exams and surgical procedures

40% to 50% off the overall national average for laser surgery

Not available to VT residents.

Vision - FramesDirect.com

40% off lenses for eyeglasses or sunglasses when ordering online

15% off your entire order through FramesDirect.com (excludes all contact lenses and certain brands of eyewear due to manufacturer guidelines)

Free standard shipping for orders over $99

World’s largest selection of prescription and non-prescription eyewear

Over 100,000 frames

All the top brands—Rayban, Oakley, Prada, Polo, Persol and more

NurseLine™ - Health Advocate™

Registered nurses ready to answer your calls 24/7/365

Detailed information on a range of concerns including appropriate treatment options for minor emergencies of illnesses

VERY IMPORTANT:

In life-threatening emergencies, call 911 or go directly to the nearest hospital emergency room for treatment. If 911 is not available in your area, call the local police/fire department or go directly to the nearest hospital or emergency room.

Pharmacy

10% to 85% off most medications

Over 60,000 participating pharmacies including Walgreens, Walmart, Target, Rite Aid, and CVS

Online pricing tool—RxPriceQuotes.com

Pharmacy Discounts are Not Insurance and are Not Intended as a Substitute for Insurance. The discount is only available at participating pharmacies.



Dental - Aetna Dental Access®

15% to 50%* savings per visit, in most instances, on services such as cleanings, x-rays, fillings, root canals, and crowns

Includes specialty care such as orthodontics and periodontics where available

*Actual costs and savings vary by provider, service and geographical area. The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent, representative or employee of discount program. Dental providers are independent contractors and not employees or agents of ALIC or it affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes. Not available to VT residents.

Medical Bill Saver™ - Health Advocate™

Negotiation can result in 25% to 50% savings

Easy-to-read, personal Savings Result Statement, summarizing outcome and payment terms

Provider sign-off on payment terms and conditions

Health Advocate does not replace health insurance coverage, provide medical care or recommend treatment.

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Medical Health Advisor - Health Advocate™ Call Medical Health Advisor to:

Save time and money

Find your way through the healthcare and insurance systems

Find doctors, hospitals and other providers

Make appointments with providers

Find “best in class” medical institutions for a serious illness or injury

Get unbiased health information to make informed medical decisions

Find and research current treatment options for a medical issue

Use our Health Cost Estimator—a pre-service pricing decision support tool

Resolve insurance claims and billing issues

Explain test, treatment and medications

Get second opinions for peace of mind

Address eldercare and related healthcare issues

Get help with Medicare and other government insurance programs

Make arrangements for in-home services after discharge from a hospital

The Medical Health Advisor program is not health insurance. Medical Health Advisor provides administrative, informational and referral type services, through its employees. Medical Health Advisor does not provide medical services and does not recommend treatment. Independent healthcare practitioners, who are not Medical Health Advisor’s employees or agents, provide all medical services.



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Medical Travel Assistance - FrontierMEDEX Access to a worldwide network of medical and travel assistance personnel and emergency evacuation services when traveling more than 100 miles away from home and suffering a serious injury or illness.

Services include (but are not limited to):

Emergency Medical Evacuation

Repatriation of Mortal Remains

Transportation to Join a Hospitalized Member

Return of Dependent Children

24-Hour Information Service

Monitoring of Treatment Worldwide

Medical and Dental Referrals

Facilitation of Hospital Payment

Transfer of Insurance Information to Medical Providers

Assistance with Replacement of Lost or Stolen Travel Documents

Assistance with Legal Referrals

Assistance with Medication, Vaccine and Blood Transfers

Assistance with Emergency Transfer of Funds

Assistance with Translation Services

Worldwide Destination Intelligence

Travel Assistance is not available to FL, OR or WA residents.

Hearing - Newport Audiology Centers

35% off hearing aids from Newport Audiology Centers, over 3,000 locations nationwide

Free initial hearing evaluation and complimentary evaluations every two years

Two year supply of hearing aid batteries with purchase

Two year manufacturer’s warranty, including a one-time replacement for loss or damage*

Unlimited follow-up visits during the useful life of the hearing aid for cleaning and checkups

100% Service Satisfaction Guarantee during the first 60 days

Patient financing options

*Members must pay for all repairs not included in the warranty. Discounts cannot be combined with any other promotional offer, discount, rebate, health insurance benefit or value-added discount plan. Unlimited follow up visits will be provided at no cost to the member; however, any costs for repairs no longer under the manufacturer’s warranty will be at the expense of the member. New Benefits will receive and retain a fee from Network Providers based upon the member’s hearing purchases.



Vitamins - Vitacost.com

Toll-free and online shopping with friendly and knowledgeable customer service representatives

10% off over 400 brands and over 12,000 items in stock

Brand names you know and trust such as Twinlab, Nature’s Way, Enzymatic Therapy, Country Life and hundreds more

30-day unconditional money-back guarantee

Diabetic Supplies - Diabetic Solutions Packages price from $29.99 to $169.99 per month—60% less than average retail prices.

Packages Include:

Free Glucose Meter

Test Strips

Lancets

Lancing Device

Control Solution

Swabs

Manual Log Book

Carrying Case

Battery

Free Shipping

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Dietary Supplements

Exercise/Fitness Products

Urological/Catheters

Maternity Care Products

Daily Living Aids

Wellness Products

Diabetes Supplies

Orthopedics

Bathroom Assists

Ostomy Supplies

Wheelchairs

Walkers, Canes & Crutches

Wound Care Supplies

Incontinence Products

Durable Medical Equipment - Allegro

Shipped directly to your home

Additional $5 off any order of $100 or more

20% to 50% off health and wellness products including:



$1,500 $750

Hospital Income Insurance helps protect you against those out-of-pocket expenses related to a hospital confinement or outpatient surgical procedure. With Hospital Income Insurance, you’re paid a benefit directly to you that can help you cover:

382

Percent

The direct cost most major medical plans cover.

Features

62.11

Percent Of Bankruptcies in the U.S. are directly related to illness or medical bills.

Choose between two Hospital Confinement Benefit Levels:

$1,000 or $2,000.

Coverage is guaranteed-issue (which means you may qualify

for coverage without having to answer health questions).

Coverage is portable, which means you can take it with you

if you change jobs or retire.

Coverage is available for you, your spouse and your family.

Includes Wellness Benefit & Outpatient Surgical Procedure Benefits.

Surgical Schedule Examples

How will you cover ALL of your medical expenses?

Larger deductibles, higher copayments, you may be left with more out-of-pocket costs.

Out-of-Pocket Expenses

Outpatient Surgical Procedures

Rehabilitation

Deductibles

Copays

Co-Insurance

623

Percent Of direct costs you pay due to illness or accidents.

$1,000 or $2,000 Benefits available with

NO MEDICAL QUESTIONS

ASKED!

Breast Reconstruction

Pacemaker Insertion

Colonoscopy

Tonsillectomy

Foot Surgery

Skin Grafting

Breast Reduction

Angioplasty

Laparoscopic Appendectomy

Mastoidectomy

Cataract Surgery

Arthroscopic Knee Surgery

Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. This information is only intended for informational purposes only. Refer to your policy for more detailed information and benefits.

1.Bloomberg Business, 2010 Businessweek

2.&3. Trends in Major Medical Coverage; Douglas Hedger and Donald Schmitt; www.bls.gov

3.American Cancer Society 2014

HOSPITAL INCOME PLAN Rates

Page 26

* Pre-existing Condition means having a sickness or physical condition for which any covered person was treated, had medical testing, received medical advice, or had taken medication within 12 months before the Policy Coverage Effective Date of the policy.

...and more ...and more


In the U.S., men have a slightly

less than 1 in 2 lifetime

risk of developing cancer; for women the risk

is a little more than

1 in 3. American Cancer Society

* Pre-existing Condition means having a sickness or physical condition for which any covered person was treated, had medical testing, received medical advice, or had taken medication within 12 months before the Policy Cover-age Effective Date of the policy

88.71 billion Total of al l healthcare expenditures for cancer

1.62 million New cancer cases that are expected to be diagnosed this year in the U.S.

14.53 million

Americans who were diagnosed with cancer in 2014.

When cancer strikes, you should focus on recovery.

Cancer insurance can help you offset the out-of-pocket medical expenses directly related to cancer.

Coverage Highlights Our cancer coverage helps pay for the unexpected costs, should a covered cancer be diagnosed.

In addition to the standard plan benefits, two optional riders are available.

Initial Diagnosis of Cancer: $1,000 to $10,000 benefit.

Initial Diagnosis of Cancer Progressive Payment rider.

Coverage is available for You, your Spouse, and Family.

Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. This information is only intended for informational purposes only. Refer to your policy for more detailed information and benefits.

There are a choice of 4 levels of Cancer Coverage allowing you to select the benefit amounts that best suit your needs and the needs of your family. With Cancer Coverage, you’re paid a benefit directly to You.

Features Guaranteed Renewability– You can keep the coverage for

life for as long you pay the premiums.

Portability-You can keep the same coverage at the same rate

even if you change jobs or retire.

Waiver of Premiums– Premium payments are waived if the

insured becomes disabled due to cancer for longer than 90

consecutive days and while the policy is in force.

Composite Premiums– All eligible applicants have the

same premium, regardless of risk class or age.

No Coordination of Benefits– Benefits are paid in addition

to other insurance you may have.

Indemnity Benefits– Pays the exact amount of what is listed

for the selected plan level.

1.2 & 3 2015 Cancer Facts & Figures; American Cancer Society

CANCER PLAN Rates

Page 26


You have the opportunity to purchase term life coverage for yourself and your dependents at your expense.

How secure is your family’s future without you? The last thing you or your family should have to worry about is the financial cost of losing a loved one. Funeral expenses, medical bills and taxes are just the tip of the iceberg. How would they cover ongoing living expenses such as the mortgage, healthcare and utilities?

What are the advantages of Term Life Insurance?

Offers level death benefit.

Offers a lower cost option compared with cash value insurance.

Provides coverage for specified periods of time, either 10 or 20 years, which can be during high-need years.

Benefit is typically paid tax-free to your beneficiaries.

What benefits and features are included?

Guaranteed premiums that do not increase during the term unless you receive an accelerated death benefit.

Guaranteed renewal to age 95 as long as premiums are paid when due.

Convertible to cash value insurance.

Portability allows you to take it with you if you change jobs or retire.

Includes an Accelerated Death Benefit.

How much insurance can I buy?

Employee: $10,000 to a maximum of $50,000

Spouse: $10,000, with the same term as the primary policyholder

Children: $5,000

You may purchase an Accidental Death Benefit Rider which would provide an additional benefit to the beneficiary in the event that the insured dies as a result of an accident prior to the age of 70.

Who depends on you?

Term life insurance can help you take care of those you love. How much

life insurance do you need?

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Page 25 OPTIONAL TERM LIFE


CRITICAL ILLNESS PLAN

What can living with a Critical Illness mean to you?

Critical Illness Insurance helps fill the gaps in your health insurance. With Critical Illness Insurance, you’re paid a benefit directly to You that can help you cover:

Deductibles, co-pays, and co-insurance of your health insurance

Home health care needs and household modifications

Travel expenses to and from treatment centers

83.63 million The number of Americans with Cardiovascular Disease.

Meeting Your Needs Our critical illness coverage helps offer financial peace of mind, should a covered cancer or critical illness be diagnosed. Choose benefit amounts of $5,000-$50,000* for Employee and

$5,000 to $30,000* for Spouse Coverage (in $1,000 increments).

Coverage is portable, which means you can take it with you if you

change jobs or retire.

Includes Subsequent Diagnosis Benefit & $50 Wellness Screening.

Coverage is available for You & Your Spouse.

108.92 billion The cost of Heart Disease in the United States.

Enroll in up to

$10,000* Critical Illness Plan

NO MEDICAL QUESTIONS

ASKED!

Lost income

Rehabilitation

Child care expenses

Everyday living expenses

Benefits Critical Illness with Subsequent Diagnosis 100% of face amount per covered person

Heart Attack (Myocardial Infarction)

Stroke

Major Organ Failure

End Stage Renal (Kidney) Failure

Cancer (if selected)

Permanent Paralysis due to a Covered Accident

Coma

Blindness

Occupational Infections HIV, Hepatitis B, C, & D

25% of face amount per covered person

Coronary Artery Bypass Graft Surgery

Carcinoma in Situ (if selected)

47%1 Of Americans have at least one of the three risk factors for heart disease: high blood pressure, high cholesterol and/or smoking

1 & 2. Centers of Disease Control and Prevention 2015

3. American Heart Association / American Stroke Association 2013

* Pre-existing Condition means having a sickness or physical condition for which any covered person was treated, had medical testing, received medical advice, or had taken medication within 12 months before the Policy Coverage Effective Date of the policy

* Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. This information is only intended for informational purposes only. Refer to your policy for more detailed information and benefits.

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When savings aren’t always enough. You and your family rely on your income. But what would happen if you became ill or suffered a serious accident and were unable to work? Who would pay the bills? You may never even think that you could be laid up for an extended period of time. But what if you had a stroke or some other injury that kept you from working? How many months could you continue your standard of living from your savings?

The chances of becoming disabled prior to age 65 are 1 in 3, yet the chances of your house burning down are 1 in 1,000.

In helping you prepare to meet financial obligations should you face a period of disability, Isle of Capri offers you the opportunity to purchase Disability insurance at competitive rates.

Who’s at risk? More than 26 million Americans suffer disabling injuries each year.

More than two-thirds of disabling injuries suffered by American workers occur off the job and are not covered by workers’ compensation.

Your disability benefits help you cover

what matters most.

Benefits and Features: Covers Off-Job Accidents and Off-Job Sickness.

You can select a benefit amount from $400 to $2,500 per month. However, the maximum income replacement available cannot exceed 60% of your pre-disability income.

The benefit period can be either 3, 6, 12, or 24 months.

You may select an elimination period of 14/14, 30/30, 60/60 or 90/90. Elimination period means the number of days following a disability before the benefit begins. The first number represents accident elimination period/the second number represents sickness.

A $50 Health Screening Rider may be included. Let your disability plan reward you for getting your health screening tests.

Pre-existing condition limitations apply.

Rates

Page 25 DISABILITY


ACCIDENT PLAN

Accidents can happen anytime, anywhere.

But at some point, you may make an unexpected trip to your local emergency room. And that could add a set of unexpected bills into the mix. According to the National Safety Council, 1 in every 14 people in the United States experience an unintentional injury at home serious enough to consult with a medical professional.

Accident & Treatment: up to $125

Fractures: up to $5,500

Burns: up to $12,000

Accidental Dismemberment: up to $15,000

That’s the benefit of Accident Coverage.

In the event of a covered accident, the plan pays cash benefits directly to you fast to help with the costs associated with out-of-pocket expenses and bills—expenses major medical may not take care of, including but not limited to:

3001 thousand The number of disabling injuries from a slip or fall.

40.11 million The number of ER visits due to injuries.

382 million The number of people who sought medical attention for an injury.

1.Summary Health Statistics for the U.S. population, National Health Institute, 2013

2.Injury Facts, 2014 Edition, National Safety Council

If you’re like most people, you don’t budget for life’s unexpected moments.

Features:

• Coverage is guaranteed-issue (which means you may qualify for coverage without having to answer health questions).

• Benefits are paid directly to you unless you choose otherwise.

• Coverage is available for you, your spouse, and dependent children.

• Coverage is portable. That means you can take it with you if you change jobs or retire.

• Coverage is Worldwide.

Air Ambulance: up to $2,000

Hospital Admission: up to $1,000 / accident

AD&D Life Insurance: up to $25,000

Every 8 seconds

someone is injured as a result of a slip or fall;

more than 21,000 people die each year.

Injury Facts, National Safety

* Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. This information is only intended for informational purposes only. Refer to your policy for more detailed information and benefits.

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Smart. Simple. Affordable.

Finding an affordably priced lawyer to represent you when you have trouble with creditors, buy or sell your home, or even prepare your will can be a challenge. Now there’s a smart, simple, affordable solution— MetLaw®, administered by Hyatt Legal Plans. MetLaw is a legal services plan that provides legal representation for you, your spouse and dependents at a price that won’t break your budget. With MetLaw, you have access to over 12,000 participating attorneys, as well as coverage for non-participating attorneys. Representation is provided for these services:

Estate Planning Document—Simple and Complex Wills; Trusts, Powers of Attorney, Living Wills, Codicils

Document Review and Preparation— Any Personal Legal Document; Affidavits; Deeds, Demand Letters;

Mortgages; Promissory Notes

Family Law—Prenuptial Agreement; Protection from Domestic Violence; Adoption; Guardianship; Name Change

Immigration Assistance—Advice and Consultation; Review of Immigration Documents; Preparation of Affidavits

and Powers of Attorney

Real Estate Matters—Sale, Purchase, or Refinancing of Your Primary, Secondary or Vacation Home; Eviction and

Tenant Problems (Primary Residence); Home Equity Loans; Boundary or Title Disputes; Property Tax Assessment; Security Deposit Assistance (For Tenant); Zoning Applications

Traffic Offenses—Defense of Traffic Tickets (excludes DUI); Driving Privileges Restoration (includes License

Suspension due to DUI)

Financial Matters—Negotiations with Creditors; Debt Collection Defense; Personal Bankruptcy; Identity Theft

Defense; Tax Audit Representation; Foreclosure Defense; Tax Collection Defense

Defense of Civil Lawsuits—Administrative Hearings; Civil Litigation Defense; Incompetency Defense; School

Hearings; Pet Liabilities

And much more . . .

When you use a Plan Attorney for covered services, there are no deductibles, no co-payments, no

waiting periods, no claim forms and no limits on usage.

MetLaw - Hyatt Legal Plan - $0.54 per Day

Rates

Page 27 LEGAL PLAN


Rates

Page 27

Industry-leading SNAPD2.0 Identity Monitoring to detect more fraud, sooner. Now includes High Risk Transactions alerts such as unauthorized account access, fund transfers, and password resets.

WalletArmor to quickly replace contents of a lost wallet, critical documents or passwords, and monitor for misuse in real-time on the Underground Internet.

Fully Managed identity restoration provided by CITRMS certified Privacy Advocates®. Highly trained Privacy Advocates® will manage your identity theft case from start to finish; allowing you to rest easy knowing that a professional is working on your behalf.

Internet Surveillance to scan the Underground Internet with proprietary network alerting you about activities with unparalleled accuracy.

Digital Identity to determine what a real-time deep Internet search can uncover about you on the Internet, plus a Privacy Grade and tips to better secure information.

IdentityMD to provide tips, tools, and additional resources to help prevent identity theft as well as restore your identity (Also includes assistance in pulling free credit reports from the three bureaus).

$25,000 Identity Theft Insurance Policy* to protect against the financial damages of identity theft costs, legal defense expenses, and lost wages.

Reduction in unwanted solicitations such as telephone solicitations, preapproved credit card offers, and junk mail to limit exposure of personal information.

SocialArmor to safeguard your digital reputation. Receive social media alerts when we uncover questionable information or comments on your Facebook, LinkedIn, Twitter, and Instagram profiles.

Identity theft is the #1 crime in America today

and high-profile breaches are now commonplace

InfoArmor Identity Theft Plan - $0.26 per Day

Trust InfoArmor, the leader in identity protection, to provide the most comprehensive identity monitoring available. InfoArmor uses innovative technology and data sources to protect against the impacts of identity fraud, alerting you at the earliest possible moment.

All employees and dependents can receive identity protection that includes:

IDENTITY THEFT PROTECTION


Remember…It’s Never too

Late to Save for Retirement!

Why should you participate in a 401(k) plan?

Everyone knows that a financially secure retirement doesn’t happen overnight; it requires careful planning. But a lot of people are put off by what they think will be a complicated process.

That’s why we’ve taken steps to make enrolling in the Isle of Capri Casinos, Inc. Retirement Trust and Savings Plan as straightforward as possible.

Here are some highlights of the 401k plan:

You are eligible to participate if you are age 21 or older and have at least 3 months of service.

Annual employer matching contributions – free money in your account that can help boost your savings account.

A contribution accelerator feature that allows you to automatically increase your contribution amount each year.

Automatic payroll deductions makes saving effortless.

A wide array of investment options that enables you to develop a savings strategy that works best for you.

You can enroll anytime once you are eligible. Simply log on to www.prudential.com/online/retirement or call 1-877-778-2100.

Enrollment packets are automatically mailed to your home address after you have been employed for 90 days.

401(k) RETIREMENT


Life Assistance Program

Just when you think you have it figured out, along comes a challenge. But whether those challenges are big or small, your Life Assistance & Work/Life Support Program is available to help you and your family find a solution and restore your peace of mind.

Through the CIGNA’s Life Assistance & Work/Life Support Program (EAP), you have unlimited access to consultants by telephone, resources and tools online and up to three face-to-face visits with a counselor for help with a short-term problem.

Help for personal challenges, big and small Personal problems can occur unexpectedly, and unnecessary worrying can affect your health and your professional life. Ease the stress of any uncomfortable situation by calling and speaking with an advocate who is ready to help assess your needs and develop a solution to help resolve your concerns. He or she can also direct you to an array of resources in your community and advice on topics such as:

Legal consultation. Receive a 30-minute free consultation and up to a 25 percent discount on select fees.

Parenting. Receive guidance on child development, sibling rivalry, separation anxiety and much more.

Senior care. Learn about challenges and solutions associated with caring for an aging loved one.

Child care. Whether you need care all day or just after school, find a place that is right for your family.

Pet care. From grooming to boarding to veterinary services, find out what you need to care for your pet.

Temporary back-up care. Don’t let an unplanned event get the best of you—find back-up child care.

You also have unlimited website access where you can: Access education materials.

Find information on parenting, aging, balancing, working and living.

Attend web seminars.

Email for consultant assistance.

Use personal assessment tools.

Engage through interactive tools such as financial calculators, retirement planners, worksheets and more.

Access a variety of legal forms

Use school, camp, eldercare and childcare locators.

Find Healthy Rewards discount and provider information.

Whatever life throws at you, throw it our way.

Visit MyIsleBenefits.com to locate phone numbers

and online resources.

EMPLOYEE ASSISTANCE PROGRAM

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$10,000 Benefit $25,000 Benefit $50,000 Benefit

AGE Non-Tobacco Tobacco Non-Tobacco Tobacco Non-Tobacco Tobacco

25 2.37 2.65 3.15 3.85 4.46 5.87

35 2.37 2.87 3.15 4.35 4.46 6.84

45 2.99 4.56 4.71 8.63 7.58 15.41

55 4.54 9.29 8.58 20.44 15.31 39.04

65 9.04 16.46 19.82 38.39 37.81 74.92

75 25.48 34.56 60.92 83.62 120.00 165.38

Term Life Bi-weekly Payroll Deduction

Review your worksheet prior to your enrollment session.

Disability—SAMPLE Bi-Weekly Payroll Deduction

Benefit Duration Ages 17-49 Ages 50-69

3 months $ 11.54 $ 14.54

6 months $ 15.92 $ 21.23

12 months $ 20.08 $ 26.97

24 months $ 26.77 $ 40.62

Who is Covered? You may cover yourself, your spouse,

and dependent children $12.44

HELPCARD Bi-weekly Payroll Deduction

Take Care of Those You Love…

Protecting Your Paycheck...

Doctors by Phone and additional services...

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NEED HELP? Enrollment Counselors are available to answer questions and assist you with your enrollment. Check with your Human Resources Department to

learn when your employee open enrollment meetings are scheduled.

RATES

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Cancer Plan SAMPLE Rates - Bi-weekly Payroll Deduction * most locations

Plan Levels Team Member Family

Level 1 $ 6.62 $ 10.57

Level 2 $ 8.26 $ 13.06

Level 3 $ 10.57 $ 18.00

Level 4 $ 14.70 $ 24.99

Team Member + Spouse

$ 10.50

$ 12.92

$ 17.79

$ 24.72

Team Member + Child(ren)

$ 6.69

$ 8.40

$ 10.78

$ 14.98

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Hospital Income Plan SAMPLE Rates - Bi-weekly Payroll Deduction * most locations

Rates for $1,000 Hospital Confinement and up to $1,500 Outpatient Surgery Benefit

Age Team Member Family

17 - 49 $ 9.69 $ 25.18

50 - 59 $ 13.41 $ 32.47

60 - 64 $ 17.49 $ 41.28

65 - 74 $ 21.95 $ 51.69

Team Member + Child(ren)

$ 16.50

$ 19.94

$ 24.46

$ 30.65

Team Member + Spouse

$ 20.79

$ 28.62

$ 38.05

$ 47.68

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How to File Claims

To file a claim, visit www.MyIsleBenefits.com or

contact Colonial Life with questions at 1-800-325-4368.

Concerned about Hospital Bills?

Focus on Recovery, not Bills.

Accident Plan SAMPLE Rates - Bi-weekly Payroll Deduction

Who to Cover? Basic Plan Basic Plan with Health Screening Benefit

Named Insured (Employee, Spouse, or Child) $ 6.66 $ 7.66

Team Member + Spouse $ 9.06 $ 10.58

One-Parent Family $ 10.64 $ 11.64

Two-Parent Family $ 13.04 $ 14.56

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Protected from Life’s Accidents?

RATES

27 Rates

Every reasonable effort has been made for the information provided in this booklet to be accurate. It is intended to provide the employees with Isle of Capri an overview of the coverages offered. It is in no way a guarantee or offer of coverage. Each carrier has the ability to underwrite based on its contract with Isle of Capri or its employees. Each carrier’s contract, underwriting, and policies will supersede this document. Please be aware that each carrier may have exclusions or limitations and you must consult your summary plan description and/or policies for details.

Critical Illness Plan SAMPLE Rates Bi-weekly Payroll Deduction * most locations

Sample Rates are based on a $10,000 policy - non-tobacco user

Age Named Insured Family 17 - 24 $ 1.11 $ 1.66

25 - 29 $ 1.43 $ 2.17

30 - 34 $ 1.80 $ 2.77

35 - 39 $ 2.54 $ 3.88

40 - 44 $ 3.46 $ 5.31

45 ‐ 49 $ 4.75 $ 7.29

50 ‐ 54 $ 6.23 $ 9.60

55 ‐ 59 $ 7.80 $ 11.95

60 ‐ 64 $ 9.88 $ 15.14

65 ‐ 70 $ 11.08 $ 16.98

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Who is covered?

The member, spouse and dependents defined as a child of the member and/or spouse, who is under the age of 26 and

unmarried, or is disabled.

MetLaw - Hyatt Legal Plan - $7.62 Bi-Weekly

Identity Theft

Who is covered?

Dependents for family pricing are defined as any dependent under roof or under

wallet. No age limits on children. Elderly parents and students can be added.

InfoArmor Identity Theft Plan $3.67 Employee Only / $6.44 Family Bi-Weekly

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What can Living with a Critical Illness Mean to You?

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Access to Attorneys at a Price that Won’t Break your Budget

Identity Monitoring and Restoration

RATES

28 MyIsleBenefits.com IOC PART TIME v1.5

To learn more about your benefits visit MyIsleBenefits.com.