high bridge associates inc and work management inc · high bridge associates inc and work...

The Guardian Life Insurance Company of America, New York, NY 10004

Group Number: 00487026

HIGH BRIDGE ASSOCIATES INC ANDWORK MANAGEMENT INCALL ELIGIBLE EMPLOYEES

Here you'll find information about your following employee benefit(s). Be sure to review theenclosed - it provides everything you need to sign up for your Guardian benefits.

PLAN HIGHLIGHTS

• Dental• Vision• Life• Disability

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00487026

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About Your Benefits:

A visit to your dentist can help you keep a great smile and prevent many health issues. But dental care can be costly and you can befaced with unforeseen expenses. Did you know, a crown can cost as much as $1,4001? Guardian dental insurance will help you payfor it. With access to one of the largest network of dental providers in the country, who agreed to charge negotiated fees for theirservices of up to 30% less than average charges in the same community, you will benefit from lower out-of-pocket costs, quality carefrom screened and reviewed dentist, no claim forms to file, and excellent customer service. Enroll today and smile next time you seeyour dentist!1http://health.costhelper.com/dental-crown.html.

With your PPO plan, you can visit any dentist; but you pay less out-of-pocket when you choose a PPO dentist.

HIGH BRIDGE ASSOCIATES INC AND WORK MANAGEMENT INC ALL ELIGIBLE EMPLOYEES Benefit SummaryThe Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004

Dental Benefit Summary

HIGH BRIDGE ASSOCIATES INC ANDWORK MANAGEMENT INC

Benefit information illustrated within this material reflects the plan covered by Guardian as of 11/22/2015

Your Dental Plan PPO

Your Network is DentalGuard Preferred

Calendar year deductible In-Network Out-of-NetworkIndividual $50 $50Family limit 3 per familyWaived for Preventive Preventive

Charges covered for you (co-insurance) In-Network Out-of-NetworkPreventive Care 100% 100%Basic Care 80% 80%Major Care 50% 50%Orthodontia Not Covered

Annual Maximum Benefit $1000 $1000

Maximum Rollover YesRollover Threshold $500Rollover Amount $250Rollover Account Limit $1000

Lifetime Orthodontia Maximum Not Applicable

Dependent Age Limits 26

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A Sample of Services Covered by Your Plan:


PPOPlan pays (on average)In-network Out-of-network

Preventive Care Cleaning (prophylaxis) 100% 100%Frequency: 2 in 12 Months

Fluoride Treatments 100% 100%Limits: Under Age 19

Oral Exams 100% 100%Sealants (per tooth) 100% 100%X-rays 100% 100%

Basic Care Anesthesia* 80% 80%

Fillings‡ 80% 80%

Perio Surgery 80% 80%Periodontal Maintenance 80% 80%Frequency: Once Every 3 Months

(Enhanced)Root Canal 80% 80%Scaling & Root Planing (per quadrant) 80% 80%Simple Extractions 80% 80%Surgical Extractions 80% 80%

Major Care Bridges and Dentures 50% 50%Inlays, Onlays, Veneers** 50% 50%Repair & Maintenance ofCrowns, Bridges & Dentures 50% 50%

Single Crowns 50% 50%This is only a partial list of dental services. Your certificate of benefits will show exactly what is covered and excluded. **For PPO andor Indemnity members, Crowns, Inlays, Onlays and Labial Veneers are covered only when needed because of decay or injury or otherpathology when the tooth cannot be restored with amalgam or composite filing material. When Orthodontia coverage is for"Child(ren)" only, the orthodontic appliance must be placed prior to the age limit set by your plan; If full-time status is required byyour plan in order to remain insured after a certain age; then orthodontic maintenance may continue as long as full-time student statusis maintained. If Orthodontia coverage is for "Adults and Child(ren)" this limitation does not apply. The total number of cleanings andperiodontal maintenance procedures are combined in a 12 month period. *General Anesthesia – restrictions apply. ‡For PPO and orIndemnity members, Fillings – restrictions may apply to composite fillings.This handout is for illustrative purposes only and is an approximation. If any discrepancies between this handout and your paycheck stub exist,your paycheck stub prevails.

Manage Your Benefits:

Go to www.GuardianAnytime.com to access secure informationabout your Guardian benefits including access to an image of yourID Card. Your on-line account will be set up within 30 days afteryour plan effective date..

Find A Dentist:

Visit www.GuardianAnytime.comClick on “Find A Provider”; You will need to know your planand dental network, which can be found on the first page ofyour dental benefit summary.

EXCLUSIONS AND LIMITATIONSn Important Information about Guardian’s DentalGuard Indemnity andDentalGuard Preferred PPO plans: This policy provides dental insurance only.Coverage is limited to those charges that are necessary to prevent, diagnose ortreat dental disease, defect, or injury. Deductibles apply. The plan does not payfor: oral hygiene services (except as covered under preventive services),orthodontia (unless expressly provided for), cosmetic or experimentaltreatments (unless they are expressly provided for), any treatments to theextent benefits are payable by any other payor or for which no charge is made,prosthetic devices unless certain conditions are met, and services ancillary tosurgical treatment. The plan limits benefits for diagnostic consultations and for

preventive, restorative, endodontic, periodontic, and prosthodontic services.The services, exclusions and limitations listed above do not constitute acontract and are a summary only. The Guardian plan documents are the finalarbiter of coverage. Contract # GP-1-DG2000 et al.

n PPO and or Indemnity Special Limitation: Teeth lost or missing before acovered person becomes insured by this plan. A covered person may have one ormore congenitally missing teeth or have lost one or more teeth before he becameinsured by this plan. We won’t pay for a prosthetic device which replaces such teethunless the device also replaces one or more natural teeth lost or extracted after thecovered person became insured by this plan. R3 – DG2000

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Dental Maximum Rollover®

Save Your Unused Claims Dollars For When You Need Them Most

Guardian will roll over a portion of your unused annual maximum into your personal Maximum Rollover Account (MRA). If you reach your Plan Annual Maximum in future years, you can use money from your MRA. To qualify for an MRA, you must have a paid claim (not just a visit) and must not have exceeded the paid claims threshold during the benefit year. Your MRA may not exceed the MRA limit. You can view your annual MRA statement detailing your account and those of your dependents on www.GuardianAnytime.com. Please note that actual maximum limitations and thresholds vary by plan. Your plan may vary from the one used below as an example to illustrate how the Maximum Rollover functions.

Plan Annual Maximum* Threshold Maximum Rollover Amount Maximum Rollover Account Limit

$1000 $500 $250 $1000

Maximum claims reimbursement Claims amount that determines rollover eligibility

Additional dollars added to Plan Annual Maximum for future years

Plan Annual Maximum plus Maximum Rollover cannot exceed

$2,000 in total * If a plan has a different annual maximum for PPO benefits vs. non-PPO benefits, ($1500 PPO/$1000 non-PPO for example) the non-PPO maximum determines the Maximum Rollover plan.

Here’s how the benefits work: YEAR ONE: Jane starts with a $1,000 Plan Annual Maximum. She submits $150 in dental claims. Since she did not reach the $500 Threshold, she receives a $250 rollover that will be applied to Year Two.

YEAR TWO: Jane now has an increased Plan Annual Maximum of $1,250. This year, she submits $50 in claims and receives an additional $250 rollover added to her Plan Annual Maximum.

YEAR THREE: Jane now has an increased Plan Annual Maximum of $1,500. This year, she submits $1,200 in claims. All claims are paid due to the amount accumulated in her Maximum Rollover Account.

YEAR FOUR: Jane’s Plan Annual Maximum is $1,300 ($1,000 Plan Annual Maximum + $300 remaining in her Maximum Rollover Account).

For Overview of your Dental Benefits, please see About Your Benefit Section of this Enrollment Booklet.

NOTES: You and your insured dependents maintain separate MRAs based on your own claim activity. Each MRA may not exceed the MRA limit.

Cases on either a calendar year or policy year accumulation basis qualify for the Maximum Rollover feature. For calendar year cases with an effective date in October, November or December, the Maximum Rollover feature starts as of the first full benefit year. For example, if a plan starts in November of 2013, the claim activity in 2014 will be used and applied to MRAs for use in 2015.

Under either benefit year set up (calendar year or policy year), Maximum Rollover for new entrants joining with 3 months or less remaining in the benefit year, will not begin until the start of the next full benefit year. Maximum Rollover is deferred for members who have coverage of Major services deferred. For these members, Maximum Rollover starts when coverage of Major services starts, or the start of the next benefit year if 3 months or less remain until the next benefit year. (Actual eligibility timeframe may vary. See your Plan Details for the most accurate information.)

Guardian's Dental Insurance is underwritten and issued by The Guardian Life Insurance Company of America or its subsidiaries, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Policy Form #GP-1-DG2000, et al.

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Eye care is a vital component of a healthy lifestyle. With vision insurance, having regular exams and purchasing contacts or glasses issimple and affordable. The coverage is inexpensive, yet the benefits can be significant! Guardian provides rich, flexible plans thatallow you to safeguard your health while saving you money. Review your plan options and see why vision insurance may be a greatbenefit for you.

Vision Benefit Summary

Significant out-of-pocket savings available with your Full Feature plan by visiting one of Davis Vision's network locations includingretail centers such as Wal-Mart®, JCPenney®, Sears®, Target®, Sam’s Club®, and Pearle®.





Your Vision Plan Full Feature - Designer

Your Network is Davis Vision

Copay

Exams Copay $ 10

Materials Copay (waived for non-formulary elective contact lenses) $ 25

Sample of Covered Services You pay (after copay if applicable):

In-network Out-of-network

Eye Exams $0 Amount over $50

Single Vision Lenses $0 Amount over $48

Lined Bifocal Lenses $0 Amount over $67

Lined Trifocal Lenses $0 Amount over $86

Lenticular Lenses $0 Amount over $126

Frames 80% of amount over $130* Amount over $48

Contact Lenses (Elective and conventional) 85% of amount over $130* Amount over $105

Contact Lenses (Planned replacement and disposable) 85% of amount over $130* Amount over $105

Contact Lenses (Medically Necessary) $0 Amount over $210

Cosmetic Extras Avg. 40-60% off retail price No discounts

Glasses (Additional pair of frames and lenses) Courtesy discount from mostproviders

No discounts

Laser Correction Surgery Discount Up to 25% off the usual charge or 5%off promotional price

No discounts

Service Frequencies

Exams Every calendar year

Lenses (for glasses or contact lenses)‡‡ Every calendar year

Frames Every calendar year

Network discounts (cosmetic extras, glasses and contact lenses.) Applies to first purchase & courtesy discount from most providers onsubsequent purchases.

Dependent Age Limits 26

‡‡Benefit includes coverage for glasses or contact lenses, not both.

This is only a partial list of vision services. Your certificate of benefits will show exactly what is covered and excluded.

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With the Davis Vision Designer plans, frames from the Fashion or Designer collections are covered in full in excess of the plan’s materials copay, if applicable. Frames from thePremier collection are covered in full in excess of a $25 copay applied in addition to the plan’s materials copay, if applicable. Frames from a network provider that are not in thecollections are covered up to the plan’s retail allowance in excess of the plan’s materials copay, if applicable.

Contact lenses from Davis Vision's Collection are available at most private practice locations with Full Feature and Materials Only plans. Contacts from the collection are covered infull including fitting and evaluation, in excess of the plan's materials copay. Elective contacts that are not part of the Collection are covered up to the plan's elective contact lensallowance and the materials copay is waived.

For Davis Vision, complete eyeglasses must be purchased at one time from one provider. For example, if a member purchases only lenses, he or she cannotpurchase frames later in the same benefit period. The member is not eligible for new vision materials until the next benefit period.

Only charges for an initial purchase can be used toward the material allowance. Any unused balance remaining after the initial purchase cannot be banked forfuture use.

*Due to lower prices available at Wal-mart and Sam's Club locations, discounts do not apply. Members will pay 100% of the amount over their allowance.

This handout is for illustrative purposes only and is an approximation. If any discrepancies between this handout and your paycheck stub exist, yourpaycheck stub prevails.


Go to www.GuardianAnytime.com to access secureinformation about your Guardian benefits including access toan image of your ID Card. Your on-line account will be set upwithin 30 days after your plan effective date.

Find A Vision Provider

Visit www.GuardianAnytime.comClick on “Find A Provider”; You will need to know your planand vision network, which can be found on the first page ofyour vision benefit summary.

EXCLUSIONS AND LIMITATIONSImportant Information: This policy provides vision care limited benefits healthinsurance only. It does not provide basic hospital, basic medical or majormedical insurance as defined by the New York State Insurance Department.Coverage is limited to those charges that are necessary for a routine visionexamination. Co-pays apply. The plan does not pay for: orthoptics or visiontraining and any associated supplemental testing; medical or surgical treatmentof the eye; and eye examination or corrective eyewear required by anemployer as a condition of employment; replacement of lenses and framesthat are furnished under this plan, which are lost or broken (except at normalintervals when services are otherwise available or a warranty exists). The planlimits benefits for blended lenses, oversized lenses, photochromic lenses,tinted lenses, progressive multifocal lenses, coated or laminated lenses, aframe that exceeds plan allowance, cosmetic lenses; U-V protected lenses andoptional cosmetic processes.

The services, exclusions and limitations listed above do not constitute a contractand are a summary only. The Guardian plan documents are the final arbiter ofcoverage. Contract #GP-1-DAVIS-05-VIS et al.

Laser Correction Surgery:

Up to 25% off for vision laser surgery.

Laser surgery is not an insured benefit. The surgery is available at a discountedfee. The covered person must pay the entire discounted fee. In addition, thelaser surgery discount may not be available in all states.

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Life Benefit Summary






Your family depends on you in many ways and you’ve worked hard to ensure their financial security. But if something happened toyou, will your family be protected? Will your loved ones be able to stay in their home, pay bills, and prepare for the future. Lifeinsurance provides a financial benefit that your family can depend on. And getting it at work is easier, more convenient and moreaffordable than doing it on your own. If you have financial dependents- a spouse, children or aging parents, having life insurance is aresponsible and a smart decision. Enroll today to secure their future!

What Your Benefits Cover:

BASIC LIFE VOLUNTARY TERM LIFE

Employee Benefit Your employer provides $25,000Basic Term Life coverage for allfull time employees.

$10,000 increments to amaximum of $300,000. See CostIllustration page for details.

Accidental Death and Dismemberment Your Basic Life coverage includesAccidental Death andDismemberment coverage equalto one times the employee's lifebenefits.

Not available

Spouse/Domestic Partner‡ Benefit N/A $5,000 increments to a maximumof $150,000. See Cost Illustrationpage for details.

Child Benefit N/A Your dependent children age 14days to 26 years.You may elect one of thefollowing benefit options: $10,000.Subject to state limits. See CostIllustration page for details.

Guarantee Issue: The ‘guarantee’ means you are not required toanswer health questions to qualify for coverage up to and includingthe specified amount, when you sign up for coverage during the initialenrollment period.

Guarantee Issue coverage up to$25,000 per employee

We Guarantee Issue coverage upto:Employee $100,000.Spouse $25,000.Dependent children $10,000.

Premiums Covered by your company if youmeet eligibility requirements

Increase on plan anniversary afteryou enter next five-year agegroup

Portability: Allows you to take your coverage with you if youterminate employment.

Yes, with age and otherrestrictions, including evidence ofinsurability

Yes, with age and otherrestrictions

Conversion: Allows you to continue your coverage after your groupplan has terminated.

Yes, with restrictions; seecertificate of benefits

Yes, with restrictions; seecertificate of benefits

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BASIC LIFE VOLUNTARY TERM LIFE

Accelerated Life Benefit: A lump sum benefit is paid to you if youare diagnosed with a terminal condition, as defined by the plan.

Yes Yes

Waiver of Premiums: Premium will not need to be paid if you aretotally disabled.

For employees disabled prior toage 60, with premiums waiveduntil age 65, if conditions are met

For employees disabled prior toage 60, with premiums waiveduntil age 65, if conditions met

Benefit Reductions: Benefits are reduced by a certain percentage asan employee ages.

35% at age 65, 60% at age 70, 75%at age 75, 85% at age 80

35% at age 65, 60% at age 70, 75%at age 75, 85% at age 80

Subject to coverage limits� Spouse coverage terminates at age 70.


Go to www.GuardianAnytime.com to access secure information aboutyour Guardian benefits. Your on-line account will be set up within 30days after your plan effective date.

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Voluntary Life Cost Illustration:

To determine the most appropriate level of coverage, as a rule of thumb, you should consider about 6 - 10 times your annual income,factoring in projected costs to help maintain your family’s current life style. To help you assess your needs, you can also go toGuardian Anytime and use our Life Insurance Explorer Tool.


Bi-weekly premiums displayed.Policy Election Amount Policy Election Cost Per Age Bracket

Employee < 30 30–34 35–39 40–44 45–49 50–54 55–59 60–64 65–69†

$20,000 $.65 $.74 $.92 $1.11 $1.85 $2.68 $5.35 $7.39 $12.37

$30,000 $.97 $1.11 $1.39 $1.66 $2.77 $4.02 $8.03 $11.08 $18.55

$40,000 $1.29 $1.48 $1.85 $2.22 $3.69 $5.35 $10.71 $14.77 $24.74

$50,000 $1.62 $1.85 $2.31 $2.77 $4.62 $6.69 $13.39 $18.46 $30.92

$60,000 $1.94 $2.22 $2.77 $3.32 $5.54 $8.03 $16.06 $22.15 $37.11

$70,000 $2.26 $2.59 $3.23 $3.88 $6.46 $9.37 $18.74 $25.85 $43.29

$80,000 $2.59 $2.95 $3.69 $4.43 $7.39 $10.71 $21.42 $29.54 $49.48

$90,000 $2.91 $3.32 $4.15 $4.99 $8.31 $12.05 $24.09 $33.23 $55.66

$100,000 $3.23 $3.69 $4.62 $5.54 $9.23 $13.39 $26.77 $36.92 $61.85

$110,000 $3.55 $4.06 $5.08 $6.09 $10.15 $14.72 $29.45 $40.62 $68.03

$120,000 $3.88 $4.43 $5.54 $6.65 $11.08 $16.06 $32.12 $44.31 $74.22

$130,000 $4.20 $4.80 $6.00 $7.20 $12.00 $17.40 $34.80 $48.00 $80.40

$140,000 $4.52 $5.17 $6.46 $7.75 $12.92 $18.74 $37.48 $51.69 $86.59

$150,000 $4.85 $5.54 $6.92 $8.31 $13.85 $20.08 $40.15 $55.39 $92.77

$160,000 $5.17 $5.91 $7.39 $8.86 $14.77 $21.42 $42.83 $59.08 $98.95

$170,000 $5.49 $6.28 $7.85 $9.42 $15.69 $22.75 $45.51 $62.77 $105.14

$180,000 $5.82 $6.65 $8.31 $9.97 $16.62 $24.09 $48.19 $66.46 $111.32

$190,000 $6.14 $7.02 $8.77 $10.52 $17.54 $25.43 $50.86 $70.15 $117.51

$200,000 $6.46 $7.39 $9.23 $11.08 $18.46 $26.77 $53.54 $73.85 $123.69

$210,000 $6.79 $7.75 $9.69 $11.63 $19.39 $28.11 $56.22 $77.54 $129.88

$220,000 $7.11 $8.12 $10.15 $12.19 $20.31 $29.45 $58.89 $81.23 $136.06

$230,000 $7.43 $8.49 $10.62 $12.74 $21.23 $30.79 $61.57 $84.92 $142.25

$240,000 $7.75 $8.86 $11.08 $13.29 $22.15 $32.12 $64.25 $88.62 $148.43

$250,000 $8.08 $9.23 $11.54 $13.85 $23.08 $33.46 $66.92 $92.31 $154.62

$260,000 $8.40 $9.60 $12.00 $14.40 $24.00 $34.80 $69.60 $96.00 $160.80

$270,000 $8.72 $9.97 $12.46 $14.95 $24.92 $36.14 $72.28 $99.69 $166.99

$280,000 $9.05 $10.34 $12.92 $15.51 $25.85 $37.48 $74.95 $103.39 $173.17

$290,000 $9.37 $10.71 $13.39 $16.06 $26.77 $38.82 $77.63 $107.08 $179.35

$300,000 $9.69 $11.08 $13.85 $16.62 $27.69 $40.15 $80.31 $110.77 $185.54

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Voluntary Life Cost Illustration continued< 30 30–34 35–39 40–44 45–49 50–54 55–59 60–64 65–69†

Policy Election Amount

Spouse/DP

$5,000 $.16 $.19 $.23 $.28 $.46 $.67 $1.34 $1.85 $3.09

$10,000 $.32 $.37 $.46 $.55 $.92 $1.34 $2.68 $3.69 $6.19

$15,000 $.49 $.55 $.69 $.83 $1.39 $2.01 $4.02 $5.54 $9.28

$20,000 $.65 $.74 $.92 $1.11 $1.85 $2.68 $5.35 $7.39 $12.37

$25,000 $.81 $.92 $1.15 $1.39 $2.31 $3.35 $6.69 $9.23 $15.46

$30,000 $.97 $1.11 $1.39 $1.66 $2.77 $4.02 $8.03 $11.08 $18.55

$35,000 $1.13 $1.29 $1.62 $1.94 $3.23 $4.69 $9.37 $12.92 $21.65

$40,000 $1.29 $1.48 $1.85 $2.22 $3.69 $5.35 $10.71 $14.77 $24.74

$45,000 $1.45 $1.66 $2.08 $2.49 $4.15 $6.02 $12.05 $16.62 $27.83

$50,000 $1.62 $1.85 $2.31 $2.77 $4.62 $6.69 $13.39 $18.46 $30.92

$55,000 $1.78 $2.03 $2.54 $3.05 $5.08 $7.36 $14.72 $20.31 $34.02

$60,000 $1.94 $2.22 $2.77 $3.32 $5.54 $8.03 $16.06 $22.15 $37.11

$65,000 $2.10 $2.40 $3.00 $3.60 $6.00 $8.70 $17.40 $24.00 $40.20

$70,000 $2.26 $2.59 $3.23 $3.88 $6.46 $9.37 $18.74 $25.85 $43.29

$75,000 $2.42 $2.77 $3.46 $4.15 $6.92 $10.04 $20.08 $27.69 $46.39

$80,000 $2.59 $2.95 $3.69 $4.43 $7.39 $10.71 $21.42 $29.54 $49.48

$85,000 $2.75 $3.14 $3.92 $4.71 $7.85 $11.38 $22.75 $31.39 $52.57

$90,000 $2.91 $3.32 $4.15 $4.99 $8.31 $12.05 $24.09 $33.23 $55.66

$95,000 $3.07 $3.51 $4.39 $5.26 $8.77 $12.72 $25.43 $35.08 $58.75

$100,000 $3.23 $3.69 $4.62 $5.54 $9.23 $13.39 $26.77 $36.92 $61.85

$105,000 $3.39 $3.88 $4.85 $5.82 $9.69 $14.05 $28.11 $38.77 $64.94

$110,000 $3.55 $4.06 $5.08 $6.09 $10.15 $14.72 $29.45 $40.62 $68.03

$115,000 $3.72 $4.25 $5.31 $6.37 $10.62 $15.39 $30.79 $42.46 $71.12

$120,000 $3.88 $4.43 $5.54 $6.65 $11.08 $16.06 $32.12 $44.31 $74.22

$125,000 $4.04 $4.62 $5.77 $6.92 $11.54 $16.73 $33.46 $46.15 $77.31

$130,000 $4.20 $4.80 $6.00 $7.20 $12.00 $17.40 $34.80 $48.00 $80.40

$135,000 $4.36 $4.99 $6.23 $7.48 $12.46 $18.07 $36.14 $49.85 $83.49

$140,000 $4.52 $5.17 $6.46 $7.75 $12.92 $18.74 $37.48 $51.69 $86.59

$145,000 $4.69 $5.35 $6.69 $8.03 $13.39 $19.41 $38.82 $53.54 $89.68

$150,000 $4.85 $5.54 $6.92 $8.31 $13.85 $20.08 $40.15 $55.39 $92.77

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Voluntary Life Cost Illustration continued< 30 30–34 35–39 40–44 45–49 50–54 55–59 60–64 65–69†

Policy Election Amount

Child(ren)

$10,000 $0.55 $0.55 $0.55 $0.55 $0.55 $0.55 $0.55 $0.55 $0.55

Refer to Guarantee Issue row on page above for Voluntary Life GI amounts.Premiums for Voluntary Life Increase in five-year increments‡Spouse/DP coverage premium is based on Employee age. Coverage for the spouse terminates at spouse’s age 70.†Benefit reductions apply.


Go to www.GuardianAnytime.com to access secure information aboutyour Guardian benefits. Your on-line account will be set up within 30days after your plan effective date.

LIMITATIONS AND EXCLUSIONS:

A SUMMARYOF PLANLIMITATIONSANDEXCLUSIONS FORLIFEANDAD&DCOVERAGE:You must be working full-time on the effective date of your coverage; otherwise, yourcoverage becomes effective after you have completed a specific waiting period. Employeesmust be legally working in the United States in order to be eligible for coverage.Underwriting must approve coverage for employees on temporary assignment: (a)exceeding one year; or (b) in an area under travel warning by the US Department of State.Subject to state specific variations. Evidence of Insurability is required on all late enrollees.This coverage will not be effective until approved by a Guardian underwriter. This proposalis hedged subject to satisfactory financial evaluation. Please refer to certificate of coverage forfull plan description.Dependent life insurance will not take effect if a dependent, other than a newborn, isconfined to the hospital or other health care facility or is unable to perform the normalactivities of someone of like age and sex.Accelerated Life Benefit is not paid to an employee under the following circumstances: onewho is required by law to use the benefit to pay creditors; is required by court order to paythe benefit to another person; is required by a government agency to use the payment toreceive a government benefit; or loses his or her group coverage before an acceleratedbenefit is paid.

Voluntary LifeOnly:We pay no benefits if the insured’s death is due to suicide within two years from theinsured’s original effective date. This two year limitation also applies to any increase inbenefit. This exclusion may vary according to state law. Late entrants and benefit increasesrequire underwriting approval.GP-1-R-LB-90, GP-1-R-EOPT-96Guarantee Issue/Conditional Issue amounts may vary based on age and case size. See yourPlan Administrator for details. Late entrants and benefit increases require underwritingapproval.

For AD&D: We pay no benefits for any loss caused: by willful self-injury; sickness, diseaseor medical treatment; by participating in a civil disorder or committing a felony; Travelingon any type of aircraft while having duties er on that aircraft; by declared or undeclared actof war or armed aggression; while a member of any armed force (May vary by state); whiledriving a motor vehicle without a current, valid driver’s license; by legal intoxication; or byvoluntarily using a non-prescription controlled substance. Contract #GP-1-R-ADCL1-00 etal. We won't pay more than 100% of the Insurance amount for all losses due to the sameaccident, except as stated. The loss must occur within a specified period of time of theaccident. Please see contract for specific definition; definition of loss may vary depending onthe benefit payable.

This handout is for illustrative purposes only and is an approximation. If any discrepancies between this handout and your paycheck stub exist, your paycheckstub prevails.

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You probably have insurance for your car or home, but what about the source of income that pays for it? You rely on yourpaycheck for so many things, but what if you were suddenly unable to work due to an accident or illness? How will you put foodon the table, pay your mortgage or heat your home? Disability insurance can help replace lost income and make a difficult time alittle easier. Protect your most valuable asset, your paycheck-enroll today!

What Your Benefits Cover:

HIGH BRIDGE ASSOCIATES INC AND WORK MANAGEMENT INC


Long-Term Disability Benefit SummaryGroup Number: 00487026


Long-Term Disability.

Coverage amount 60% of salary to maximum $10000/month

Maximum payment period: Maximum length of time you canreceive disability benefits.

Social Security Normal Retirement Age

Accident benefits begin: The length of time you must be disabledbefore benefits begin.

Day 91

Illness benefits begin: The length of time you must be disabledbefore benefits begin.

Day 91

Evidence of Insurability: A health statement requiring you toanswer a few medical history questions. Health Statement may be required

Guarantee Issue: The ‘guarantee’ means you are not required toanswer health questions to qualify for coverage up to and includingthe specified amount, when applicant signs up for coverage during theinitial enrollment period.

We Guarantee Issue $10000 in coverage

Minimum work hours/week: Minimum number of hours you mustregularly work each week to be eligible for coverage. Planholder Determines

Pre-existing conditions: A pre-existing condition includes anycondition/symptom for which you, in the specified time period priorto coverage in this plan, consulted with a physician, receivedtreatment, or took prescribed drugs.

3 months look back; 12 months after exclusion

UNDERSTANDING YOUR BENEFITS—DISABILITY (Some information may vary by state)l Disability (long-term): For first two years of disability, you will receive benefit payments while you are unable to work inyour own occupation. After two years, you will continue to receive benefits if you cannot work in any occupation based ontraining, experience and education.

l Earnings definition: Your covered salary excludes bonuses and commissions.

l Special limitations: Provides a 24-month benefit limit for specific conditions including mental health and substance abuse.Other conditions such as chronic fatigue are also included in this limitation. Refer to contract for details.

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l Work incentive: Plan benefit will not be reduced for a specified amount of months so that you have part-time earnings whileyou remain disabled, unless the combined benefit and earnings exceed 100% of your previous earnings.


Go to www.GuardianAnytime.com to access secure informationabout your Guardian benefits. Your on-line account will be set upwithin 30 days after your plan effective date.

A SUMMARY OF DISABILITY PLAN LIMITATIONSAND EXCLUSIONS

n Evidence of Insurability is required on all late enrollees. This coverage willnot be effective until approved by a Guardian underwriter. This proposal ishedged subject to satisfactory financial evaluation. Please refer to certificateof coverage for full plan description.

n You must be working full-time on the effective date of your coverage;otherwise, your coverage becomes effective after you have completed aspecific waiting period.

n Employees must be legally working in the United States in order to beeligible for coverage. Underwriting must approve coverage for employeeson temporary assignment: (a) exceeding one year; or (b) in an area undertravel warning by the US Department of State. Subject to state specificvariations.

n For Long-Term Disability coverage, we pay no benefits for a disabilitycaused or contributed to by a pre-existing condition unless the disabilitystarts after you have been insured under this plan for a specified period oftime. We limit the duration of payments for long term disabilities caused bymental or emotional conditions, or alcohol or drug abuse.

n We do not pay benefits for charges relating to a covered person: takingpart in any war or act of war (including service in the armed forces)committing a felony or taking part in any riot or other civil disorder orintentionally injuring themselves or attempting suicide while sane or insane.

We do not pay benefits for charges relating to legal intoxication, includingbut not limited to the operation of a motor vehicle, and for the voluntaryuse of any poison, chemical, prescription or non-prescription drug orcontrolled substance unless it has been prescribed by a doctor and is usedas prescribed. We limit the duration of payments for long term disabilitiescaused by mental or emotional conditions, or alcohol or drug abuse. Wedo not pay benefits during any period in which a covered person is confinedto a correctional facility, an employee is not under the care of a doctor, anemployee is receiving treatment outside of the US or Canada, and theemployee’s loss of earnings is not solely due to disability.

n This policy provides disability income insurance only. It does not provide"basic hospital", "basic medical", or "medical" insurance as defined by theNew York State Insurance Department.

n If this plan is transferred from another insurance carrier, the time aninsured is covered under that plan will count toward satisfying Guardian'spre-existing condition limitation period. State variations may apply.

n When applicable, this coverage will integrate with NJ TDB, NY DBL, CASDI, RI TDI, Hawaii TDI and Puerto Rico DBA.

Contract #.s GP-1-LTD94-A,B,C-1.0 et al.; GP-1-LTD2K-1.0 et al;GP-1-LTD07-1.0 et al.

This handout is for illustrative purposes only and is an approximation. If any discrepancies between this handout and your paycheck stub exist, yourpaycheck stub prevails.

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Long Term Disability Cost Worksheet

Step 1 – Calculate Monthly Covered Salary

Example: Assumes Annual Salary = $30,000 Benefit % = 60%, Maximum Benefit= $5,000

Column A Column B Column C Column D

Annual Salary ÷ 12 = Monthly Salary

Maximum Benefit ÷ Benefit % =

Maximum Covered Salary

Does Monthly Salary(Column A) exceed the

Maximum Covered Salary (Column B)?

Monthly Covered SalaryIf No, enter Monthly Salary (Column A) If Yes, enter Maximum Covered Salary (Column B)

$30,000 ÷ 12 = $2,500 $5,000 ÷ 60% = $8,333 No $2,500 (Column A)

Calculate your monthly covered salary below:

YOU: Your monthly covered salary is

Step 2 - Calculate Cost: To determine your total cost per pay period, follow the steps outlined in the example below.

• Please refer to the Long Term Disability Premium Illustration Page to capture your specific rate. • Examples of pay frequency: Semi-monthly -24 pay periods, Bi-weekly – 26 pay periods, Weekly – 52 pay periods,

Monthly 12 pay periods

Example: Assumes 24 Pay Periods

Rate Find your rate on the LTD Cost Illustration

Page

Monthly Covered Salary

(From Step 1, Column D)

Rate x Monthly Covered Salary

Divide by 100 =

Monthly Cost

Multiply by 12 = Annual Cost

Divide by Pay Frequency =

Cost per Pay Period

“Sample Rate” .33 $2,500 .33 x $2,500 = $825

$825 ÷ 100 = $8.25 $8.25 x 12 = $99.00 $99.00 ÷ 24 =$4.13

Calculate your cost per pay period below: YOU: Find your rate on the LTD Cost Illustration Page My rate is

Long Term Disability General Limitations and Exclusions: We limit the duration of payments for long term disabilities caused by mental or emotional conditions, or alcohol or drug abuse. We do not pay benefits for charges relating to a covered person: taking part in any war or act of war (including service in the armed forces); committing a felony or taking part in any riot or other civil disorder; or intentionally injuring themselves or attempting suicide while sane or insane. We do not pay benefits during any period in which a covered person is confined to a correctional facility, an employee is not under the care of a doctor, and the employee’s loss of earnings is not solely due to disability. This policy provides disability income insurance only. It does not provide “basic hospital,” “basic medical,” or “major medical” insurance as defined by the New York State Insurance Department. If the plan is new (not transferred): This LTD plan does not pay charges relating to a pre-existing condition. A pre-existing condition includes any condition for which an employee consults with a physician, receives advice or treatment, or takes prescribed drugs. Employees must be legally working in the United States in order to be eligible for coverage. Underwriting must approve coverage for employees on temporary assignment: (a) exceeding 1 year; or (b) in an area under travel warning by the US Department of State, subject to state specific variations. Please refer to plan documents for specific time periods. Contract #’s GP-1-LTD94-A,B,C-1.0 et al.; GP-1-STD94-1.0 et al; GP-1-LTD2K-1.0 et al, GP-1-STD2K-1.0 et al This handout is for illustrative purposes only and is an approximation. If any discrepancies between this handout and your paycheck stub exist, your paycheck stub prevails. Your company has selected Guardian to provide Life coverage to eligible employees according to plan terms, which have been mutually agreed upon. As an eligible employee, you can purchase this coverage at the group premium levels.

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ADDITIONAL MATERIALS

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WorkLifeMattersYour Confidential Employee Assistance Program – Helping find balance between work and homelife.

WorkLifeMatters provides guidance for personal issues that you might be facing and information about other concerns thataffect your life, whether it’s a life event or on a day-to-day basis.

• Unlimited free telephonic consultation with an EAP counselor available 24/7 at 800-386-7055• Referrals to local counselors — up to three sessions free of charge• State-of-the-art website featuring over 3,400 helpful articles on topics like wellness, training courses, and a

legal and financial center

WorkLifeMatters can offer help with:

Education Dependent Care & Care Giving Legal and financial▪ Admissions testing & procedures ▪ Adoption Assistance ▪ Basic tax planning▪ Adult re-entry programs ▪ Before/after school programs ▪ Credit & collections▪ College Planning ▪ Day Care/Elder Care ▪ Debt Counseling▪ Financial aid resources ▪ Elder care ▪ Home buying▪ Finding a pre-school ▪ In-home services ▪ Immigration

Lifestyle & Fitness Management Working Smarter▪ Anxiety & depression ▪ Career development▪ Divorce & separation ▪ Effective managing▪ Drugs & alcohol ▪ Relocation

For more information about WorkLifeMatters, go to www.ibhworklife.com; User Name: Matters; Password: wlm70101

WorkLifeMatters Program services are provided by Integrated Behavioral Health, Inc., and its contractors. Guardian does not provide any part of WorkLifeMattersProgram services. Guardian is not responsible or liable for care or advice given by any provider or resource under the program. This information is for illustrativepurposes only. It is not a contract. Only the Administration Agreement can provide the actual terms, services, limitations and exclusions. Guardian and IBH reservethe right to discontinue the WorkLifeMatters Program at any time without notice. Legal services provided through WorkLifeMatters will not be provided in connectionwith or preparation for any action against Guardian, IBH, or your employer.

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NOTICE OF PRIVACY PRACTICES

THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED ANDDISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION.

PLEASE REVIEW IT CAREFULLY.

Effective: 9/23/2013

This Notice of Privacy Practices describes how Guardian and its subsidiaries may use and disclose your ProtectedHealth Information (PHI) in order to carry out treatment, payment and health care operations and for other purposespermitted or required by law.

Guardian is required by law to maintain the privacy of PHI and to provide you with notice of our legal duties and privacypractices concerning PHI. We are required to abide by the terms of this Notice so long as it remains in effect. We reservethe right to change the terms of this Notice of Privacy Practices as necessary and to make the new Notice effective for allPHI maintained by us. If we make material changes to our privacy practices, copies of revised notices will be madeavailable on request and circulated as required by law. Copies of our current Notice may be obtained by contactingGuardian (using the information supplied below), or on our Web site at: www.GuardianLife.com/PrivacyPolicy

What is Protected Health Information (PHI):

PHI is individually identifiable information (including demographic information) relating to your health, to the healthcare provided to you or to payment for health care. PHI refers particularly to information acquired or maintained by usas a result of your having health coverage (including medical, dental, vision and LTC coverage).

In What Ways may Guardian Use and Disclose your Protected Health Information (PHI):

Guardian has the right to use or disclose your PHI without your written authorization to assist in your treatment, tofacilitate payment and for health care operations purposes. There are certain circumstances where we are required bylaw to use or disclose your PHI. And there are other purposes, listed below, where we are permitted to use or discloseyour PHI without further authorization from you. Please note that examples are provided for illustrative purposes onlyand are not intended to indicate every use or disclosure that may be made for a particular purpose.

Guardian may use and disclose your PHI to assist your health care providers in your diagnosis andtreatment. For example, we may disclose your PHI to providers to supply information about alternativetreatments.

Guardian may use and disclose your PHI in order to pay for the services and resources you may receive.For example, we may disclose your PHI for payment purposes to a health care provider or a health plan. Suchpurposes may include: ascertaining your range of benefits; certifying that you received treatment; requesting detailsregarding your treatment to determine if your benefits will cover, or pay for, your treatment.

Guardian may use and disclose your PHI to perform health care operations. For example, wemay use your PHI for underwriting and premium rating purposes.

Guardian may use and disclose your PHI to contact you and remind you of appointments.

Guardian may use and disclose PHI to inform you of health related benefits orservices that may be of interest to you.

Guardian may use or disclose PHI to the plan sponsor of your group health plan to permit the plansponsor to perform plan administration functions. For example, a plan may contact us regarding benefits, serviceor coverage issues. We may also disclose summary health information about the enrollees in your group health planto the plan sponsor so that the sponsor can obtain premium bids for health insurance coverage, or to decide whetherto modify, amend or terminate your group health plan.

GG-014346 08/1321

• To you or your personal representative (someone with the legal right to act for you);• To the Secretary of the Department of Health and Human Services, when conducting a compliance

investigation, review or enforcement action; and• Where otherwise required by law.

Although Guardian takes reasonable, industry-standard measures to protect your PHI, should a breach occur, Guardian isrequired by law to notify affected individuals. A breach means the acquisition, access, use, or disclosure of PHI in amanner not permitted by law that compromises the security or privacy of the PHI.

• We may disclose your PHI to persons involved in your care, such as a family member or close personal friend,when you are incapacitated, during an emergency or when permitted by law.

• We may disclose your PHI for public health activities, such as reporting of disease, injury, birth and death, andfor public health investigations.

• We may disclose your PHI to the proper authorities if we suspect child abuse or neglect; we may also discloseyour PHI if we believe you to be a victim of abuse, neglect, or domestic violence.

• We may disclose your PHI to a government oversight agency authorized by law to conducting audits,investigations, or civil or criminal proceedings.

• We may disclose your PHI in the course of a judicial or administrative proceeding (e.g., to respond to a subpoenaor discovery request).

• We may disclose your PHI to the proper authorities for law enforcement purposes.• We may disclose your PHI to coroners, medical examiners, and/or funeral directors consistent with law.• We may use or disclose your PHI for organ or tissue donation.• We may use or disclose your PHI for research purposes, but only as permitted by law.• We may use or disclose PHI to avert a serious threat to health or safety.• We may use or disclose your PHI if you are a member of the military as required by armed forces services, and

we may also disclose your PHI for other specialized government functions such as national security orintelligence activities.

• We may disclose your PHI to comply with workers' compensation and other similar programs.• We may disclose your PHI to third party business associates that perform services for us, or on our behalf (e.g.

vendors).• Guardian may use and disclose your PHI to federal officials for intelligence and national security activities

authorized by law. We also may disclose your PHI to authorized federal officials in order to protect thePresident, other officials or foreign heads of state, or to conduct investigations authorized by law.

• We may disclose your PHI to correctional institutions or law enforcement officials if you are an inmate or underthe custody of a law enforcement official (e.g., for the institution to provide you with health care services, for thesafety and security of the institution, and/or to protect your health and safety or the health and safety of otherindividuals).

• We may disclose your PHI to your employer under limited circumstances related primarily to workplaceinjury or illness or medical surveillance.

Your Rights with Regard to Your Protected Health Information (PHI):

Other than for the purposes described above, or as otherwisepermitted by law, Guardian must obtain your written authorization to use or disclosure your PHI. You have the rightto revoke that authorization in writing except to the extent that: (i) we have taken action in reliance upon the authorizationprior to your written revocation, (ii) you were required to give us your authorization as a condition of obtainingcoverage, or (iii) and we have the right, under other law, to contest a claim under the coverage or the coverage itself.

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Under federal and state law, certain kinds of PHI will require enhanced privacy protections. These forms of PHI includeinformation pertaining to:

• HIV/AIDS testing, diagnosis or treatment• Venereal and /or communicable Disease(s)• Genetic Testing• Alcohol and drug abuse prevention, treatment and referral• Psychotherapy notes

We will only disclose these types of delineated information when permitted or required by law or upon your prior writtenauthorization.

An ‘accounting of disclosures’ is a list of the disclosures we have made, ifany, of your PHI. You have the right to receive an accounting of certain disclosures of your PHI that were made by us.This right applies to disclosures for purposes other than those made to carry out treatment, payment and health careoperations as described in this notice. It excludes disclosures made to you, or those made for notification purposes.

We ask that you submit your request in writing. Your request must state a requested time period not more than sixyears prior to the date when you make your request. Your request should indicate in what form you want the list (e.g.,paper, electronically).

You have a right to request a paper copy of this notice even ifyou have previously agreed to accept this notice electronically.

If you believe your privacy rights have been violated, you may file a complaint withthe U.S. Secretary of Health and Human Services. If you wish to file a complaint with Guardian, you may do so usingthe contact information below. You will not be penalized for filing a complaint.

You have the right to request a restriction on the PHI we use or disclose about youfor treatment, payment or health care operations as described in this notice. You also have the right to request a restrictionon the medical information we disclose about you to someone who is involved in your care or the payment for your care.

Guardian is not required to agree to your request; however, if we do agree, we will comply with your request untilwe receive notice from you that you no longer want the restriction to apply (except as required by law or in emergencysituations). Your request must describe in a clear and concise manner: (a) the information you wish restricted; (b) whetheryou are requesting to limit Guardian's use, disclosure or both; and (c) to whom you want the limits to apply.

You have the right to request that Guardian communicate withyou about your PHI be in a particular manner or at a certain location. For example, you may ask that we contact you atwork rather than at home. We are required to accommodate all reasonable requests made in writing, when such requestsclearly state that your life could be endangered by the disclosure of all or part of your PHI.

If you feel that any PHI about you, which is maintained by Guardian, is inaccurate orincomplete, you have the right to request that such PHI be amended or corrected. Within your written request, you mustprovide a reason in support of your request. Guardian reserves the right to deny your request if: (i) the PHI was notcreated by Guardian, unless the person or entity that created the information is no longer available to amend it (ii) if we donot maintain the PHI at issue (iii) if you would not be permitted to inspect and copy the PHI at issue or (iv) if the PHIwe maintain about you is accurate and complete. If we deny your request, you may submit a written statement of yourdisagreement to us, and we will record it with your health information.

You have the right to inspect and obtain a copy of your PHI that we maintainin designated record sets. Under certain circumstances, we may deny your request to inspect and copy your PHI. Inan instance where you are denied access and have a right to have that determination reviewed, a licensed health careprofessional chosen by Guardian will review your request and the denial. The person conducting the review willnot be the person who denied your request. Guardian promises to comply with the outcome of the review.

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How to Contact Us:

If you have any questions about this Notice or need further information about matters covered in this Notice, please callthe toll-free number on the back of your Guardian ID card. If you are a broker please call 800-627-4200. All othersplease contact us at 800-541-7846. You can also write to us with your questions, or to exercise any of your rights, at theaddress below:

Guardian Corporate Privacy OfficerNational Operations

The Guardian Life Insurance Company of AmericaGroup Quality Assurance - NortheastP.O. Box 2457Spokane, WA 99210-2457

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