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MyIsleBenefits.com

2 MyIsleBenefits.com

Eligibility ...................................................................................................................................... 3 Enrollment Process ..................................................................................................................... 4 Open Enrollment Instructions ..................................................................................................... 5 How to Use Employee Access .................................................................................................... 6 MyIsleBenefits.com ...................................................................................................................... 7 Changes for the Year .................................................................................................................. 8 Anthem Medical and Rx Plans ..................................................................................................... 9-11 Hospital Income Plan ................................................................................................................... 12 Cancer Plan ................................................................................................................................. 13 Dental Plan .................................................................................................................................. 14 Vision Plan ................................................................................................................................... 15 Flexible Spending Accounts (FSA) .............................................................................................. 16-17 Term Life, Optional Life, Dependent Life Plans ........................................................................... 18 Critical Illness Plan ....................................................................................................................... 19 Disability Coverage Plans ............................................................................................................ 20 Accident Plan ............................................................................................................................... 21 Legal Plan ................................................................................................................................... 22 Identity Theft Protection Plan ....................................................................................................... 23 Retirement 401(k) Plan ................................................................................................................ 24 Employee Assistance Program .................................................................................................... 25 Emergency Travel Assistance ..................................................................................................... 26 Beneficiary Assistance ................................................................................................................. 26 Summary of Medical Benefits and Coverage .............................................................................. 27-46 Medical Plan 1 ................................................................................................................ 27-36 Medical Plan 2 ................................................................................................................ 37-46 Wellness Tips and Information .................................................................................................... 47-56 CHIP Notice ................................................................................................................................. 57-59 COBRA ........................................................................................................................................ 60-62 Rates ............................................................................................................................................ 62-66 Important Phone Numbers ........................................................................................................... 71

TABLE OF CONTENTS

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.


When am I Eligible for Benefits?

Contact your local Human Resource Department for the dates

and times of the one-on-one enrollment sessions with a

BenefitHelp™ Enrollment Counselor.

Waiving Medical Coverage

Under the employer responsibility provisions of the

Patient Protection and Affordable Care Act (PPACA)

eligibility for health benefits is determined through the

use of an initial or standard measurement period.

The standard measurement period (2/1 – 1/31) of each

year is used to determine who will be eligible to enroll

for coverage during the Open Enrollment period. An

11-month initial measurement period will be used for

variable hour employees throughout the plan year.

Full-Time employees expected to average 30 or

more hours per week - if you are hired as a full-time

employee, your benefits will become effective for the

medical and prescriptions drugs after 90 days. You

must go through the enrollment process timely for

coverage to be effective.

Variable Hour employees – if you are not hired as

a full-time employee, then you will be considered a

Variable Hour employee. Using an 11-month initial

measurement period, beginning the first of the month

following your date of hire, your hours will be reviewed

to determine if a 30 hour average was achieved.

If so, you would be considered full-time for purposes

of health benefit eligibility. You will be contacted

regarding your enrollment rights.

You may choose not to elect medical coverage under

the Isle of Capri Casinos group medical plan. But keep

in mind that the individual mandate provision of the

Patient Protection and Affordable Care Act (PPACA)

requires you, your children and anyone else that you

claim as a dependent on your taxes to have health

insurance in 2016 or you will be required to pay a

penalty when you file your federal income tax return.

Health Coverage under the Isle of Capri Casinos, Inc.

medical plans meets minimum essential coverage

guidelines and is deemed to be affordable using the

IRS federal poverty line safe harbor definition. This

means that if you are eligible for coverage under the

Isle of Capri Casinos, Inc. health plans you likely will

not qualify for a tax credit if you purchase your

coverage through the Health Insurance Marketplace.

If you choose to purchase health coverage through the

Marketplace, you will not be able to elect coverage

under the Isle of Capri Casinos, Inc. health plan until

our next open enrollment.

ELIGIBILITY


Adding Dependents

If you are adding dependents to the medical, dental

or vision plans for the first time during this open

enrollment, you must present the following dependent

verification documentation to your Human Resources

Department immediately following your enrollment.

If proper documentation is not provided by you by the

end of the open enrollment period, these newly added

dependents will not be enrolled for coverage during

the new plan year unless you experience a qualifying

life event.

Dependent Required Documentation

Spouse Marriage License and the first page of your most recent joint tax return. (financials should be blackened out)

Natural Children Birth Certificate

Step-Children Birth Certificate and Marriage License showing both parent’s names

Dependent Child(ren): Legal guardian, adoption or foster

Birth Certificate, Final Court Order of legal guardianship with judge’s signature and/or final adoption decree with judge’s signature

ENROLLMENT PROCESS

You can enroll the following dependents into the same medical, dental and vision plans you choose for yourself.

Your legal spouse (including same-sex spouses);

Your under age 26 child, stepchild, legal ward or any child required by a Qualified Medical Child Support

Order (QMCSO). Under age 19 dependent children can be enrolled into the dental or vision plans.

Q. If my spouse also works for the Isle of Capri Casinos, what coverage level should we select?

A. If both you and your spouse work

full-time for the Company and are both eligible

for coverage you may both enroll in employee-only

coverage, or one of you can enroll in employee +

spouse coverage.

NOTE: If both enroll in employee-only coverage,

only one of you may cover eligible dependent

children.


To make any CHANGES to your current elections, you must participate in the enrollment process.

OPEN ENROLLMENT INSTRUCTIONS

2016 Open Enrollment Open Enrollment for the 2016-17 plan year will be held from March 1 - March 31, 2016. During this time, you

have the opportunity to make your benefit elections or make any changes to your current benefit enrollments

that will be in effect for one full plan year - May 1, 2016 through April 30, 2017. You will not be able to make

any mid-year changes to your medical, dental, vision, or FSA unless you have a Qualifying Life Event such as

a marriage or birth of a child.

It’s Time to Enroll in Your Benefits... The Isle of Capri Casinos, Inc. Benefits Package is designed to protect you and your family from catastrophic

losses. Keeping our annual healthcare increases affordable year-over-year takes a joint effort. We depend on

our employees to become educated healthcare consumers. Visit your primary care physician annually for your

free preventive screenings that are included in all of our medical plan options. When medical tests or surgical

procedures are recommended, use Anthem’s on-line quality and cost comparison tools. This will provide you

with the estimated out-of-pocket expenses for certain services and helps manage the cost to you and the plan.

Do I have to Attend an Open Enrollment Meeting? There are some changes to the Isle of Capri Casinos, Inc. medical plans effective May 1, 2016. We feel it is

important for all employees to review these plan changes, it will be necessary for you to attend one of the Open

Enrollment meetings being held at your property and to make an appointment to review the benefit plans with an

Enrollment Counselor if you wish to make any changes to your current benefit enrollments. Check with your local

Human Resources Department for available dates and times.

What happens if I do nothing during this Open Enrollment period?

For this upcoming new plan year that begins May 1,

2016 there will be 2 medical plan options. The

former $500 deductible plan is being eliminated.

If you are now enrolled in the current Medical Plan 1

($500 deductible plan) and you do nothing during

Open Enrollment, you will be automatically moved to

the new Medical Plan 1 ($1,000 deductible plan).

Current enrollments in the $1,000 and $2,000

deductible medical plans will carry over into the

same plan in the new plan year. If you would like

to participate in the health care or dependent care

flexible spending accounts you must make an active

election every new year. By law, flexible spending

accounts cannot roll forward into the next plan year.

To enroll, you must make an active election through

Employee Access. See page 16 for information on

our NEW Flexible Spending provider, Ameriflex.

All of your other current benefit plan elections (dental,

vision, and other voluntary plans) will carry over into

the next plan year.


Enroll for your health and welfare benefits using our online intranet site at

https://islenet.net by clicking on the Employee Access link at an Isle of Capri computer.

Once you’ve enrolled, your benefit elections will remain in effect until April 30, 2017.

VERY IMPORTANT! You cannot change or enroll in the Accident, Critical Illness, Cancer or Hospital Income

Plans without the assistance of an Enrollment Counselor.

HOW TO USE EMPLOYEE ACCESS

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 My Dependents to verify or to add spouse and/or child(ren) dependent(s). You will need a social security number and date of birth for each dependent(s) added. Proper documentation must be provided to your HR department following enrollment of any new dependent(s). (See page 4).

3. ► Click Benefits, then My Beneficiaries to verify or to add beneficiary information to your Life Insurance plans. Ensure the information is correct for the beneficiaries you wish to add/change including social security number, date of birth and address.

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

5. ►

Enter the Benefit Change Date and Benefit Change Reason. Benefit Change Date is the effective date of your benefits and/or the lifestyle change date. Benefit Change Reason is the reason for the event and you will select one option from the drop down. For Open Enrollment, review/change your Benefit Type plan elections and proceed to step #7 below.

6. ► Select the Benefit Type plan elections you wish to enroll. Be sure to select the Opt Out if you choose not to enroll in any of the medical, dental and/or vision plans.

7. ► Select Continue which is the right arrow on the top of page. Check the box next to the dependent(s) you choose to add to a medical, dental or vision plan. Check the beneficiaries you want to assign to your

Life Insurance plan. Select Continue which is the right arrow on the top of the page.

8. ► Assign Beneficiary, primary and/or contingent allocation(s) and percentage(s). Select Continue which is the

right arrow on the top of page.

9. ► 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.

10. ►

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.

NEED HELP Enrolling? Enrollment Counselors are available

to answer questions and assist you with your enrollment.

https://islenet

https://islenet


MyIsleBenefits.com

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 from...

Important Phone Numbers

Carrier Information

Provider & Facility Searches

Employee Benefit News

Important Documents

Videos about Specific Benefits


CHANGES FOR THE YEAR

Benefit Plan Changes Effective May 1, 2016

1

2

3

Medical Plans – There will be 2 medical plan options, the former $500 deductible plan is being eliminated. See page 10 for new plan details.

NEW Medical Plan 1 Coinsurance that you owe (after the deductible is satisfied) has been reduced from 30% to 20%

Out of Pocket Maximum for Single has increased to $6,850 (from $6,000)

Out of Pocket Maximum for Employee & Child(ren) has increased to $10,275 (from $9,000)

Out of Pocket Maximum for Employee & Spouse has increased to $10,275 (from $9,000)

Out of Pocket Maximum for Family has increased to $13,700 (from $12,000)

NEW Medical Plan 2 Deductible for Employee & Child(ren) has decreased to $3,000 (from $4,000)

Deductible for Employee & Spouse has decreased to $3,000 (from $4,000)

Out of Pocket Maximum for Single has increased to $6,850 (from $6,000)

Out of Pocket Maximum for Employee & Child(ren) has decreased to $10,275 (from $12,000)

Out of Pocket Maximum for Employee & Spouse has decreased to $10,275 (from $12,000)

Out of Pocket Maximum for Family has increased to $13,700 (from $12,000)

Prescription Drugs - coverage is included with both medical plan options

Medical Plan 1 will have a NEW prescription drug deductible, separate from the medical plan, and new copay amounts for Tier 2 Brand Formulary and Tier 3 Brand Non Formulary drugs.

Single - $200 annual prescription drug deductible

Employee & Child(ren) - $300 annual prescription drug deductible

Employee & Spouse - $300 annual prescription drug deductible

Family - $400 annual prescription drug deductible

Tier 2 Brand Formulary 31-day supply - Deductible & $40 copay

Tier 3 Brand Non Formulary 31-day supply - Deductible & $75 copay

Specialty drugs 31-day supply - $175 copay (Deductible does not apply)

NEW Prescription Drug Step Therapy Program

Step therapy is a program that helps you and your doctor choose drugs that are right for you.

After studying many drugs, Anthem has chosen certain ones to be the first drugs to try when

treating some conditions. Trying drugs in a step-by-step way is called step therapy. When your

doctor prescribes a drug that requires step therapy, a message is sent to your pharmacy’s

computer. This lets the pharmacist know you must first try a different, similar drug that’s

covered by your plan. The pharmacist will call your doctor to get a prescription for the new

drug. See MyIsleBenefits.com for a list of the drugs that are covered under this program.


With Both Medical Plans, You Will Receive…

FREE Preventive Care Your age-appropriate screens and tests will be covered at 100% when you use an in-network provider.

Teledoc-LiveHealth Online Talk or chat with a doctor 24/7 using your phone, tablet or laptop. Download the free app.

Flexibility You can visit any provider you choose, but when you choose an in-network provider you’ll receive the highest level of benefits.

Discounts When choosing to use an in-network provider you also get the benefit of negotiated rates, resulting in less money out-of-pocket for you.

Prescription Drug Coverage. Many of your prescription maintenance drugs can be filled through the Mail Order service - saving you one monthly copay (get a 90-day supply for only 2 monthly copays).

MEDICAL OVERVIEW

Terms and Definitions...

Deductible This is the amount of money you pay for health services before your medical insurance begins paying. For some services you have to pay the deductible before the plan pays. Your deductible starts over each May 1st.

Copay This is the amount of money that you pay each time a particular service is utilized.

Coinsurance This is the rate that you will essentially be splitting the cost of your healthcare. For instance, if your health plan has an 80/20 coinsurance rate, your insurance plan pays for 80% of your eligible medical expenses and you’re responsible for the remaining 20%.

Out-of-pocket Coinsurance Maximum This is the most you will have to pay under your medical plan each year. Includes copays, deductible & coinsurance. This protects you from the financial drain of high medical expenses. Copays do count towards your out-of-pocket maximum and still apply even if you meet your maximum.

In-Network / Out-of-Network If your medical plan has “in and out of network” coverage, this means you can see any provider you wish. However, if you choose to see a provider that is not on the approved in-network list, you will pay a greater share of the cost. Determining whether or not a provider is in-network is your responsibility. Please check with the provider to see if he or she is in the network before services are rendered, preferably when making the appointment.

To locate a provider or to review the policy details, please visit:

www.MyIsleBenefits.com


Pick the medical plan that best fits your needs...

ISLE OF CAPRI MEDICAL PLANS (In Network Benefits)

Medical Plan 1 Medical Plan 2

Physician Office Visit $ 25 Copay* Deductible & Coinsurance

Specialist Office Visit $ 35 Copay* Deductible & Coinsurance

Wellness Benefit (age appropriate screenings apply)

100% Coverage (No Copay, No Annual Deductible)

100% Coverage (No Copay, No Annual Deductible)

Urgent Care Center $ 50 Copay* Deductible & Coinsurance

Emergency Room Visit $ 175 Copay* Deductible & Coinsurance

Annual Deductible

$ 1,000 Single $ 1,500 Employee + Spouse $ 1,500 Employee + Child(ren) $ 2,000 Family


Coinsurance 80% Coverage After Deductible 70% Coverage After Deductible

Annual Out-of-Pocket Maximum

(Includes Copays, Deductibles and Coinsurance under the

Medical & Prescription Drug Plans)



ANTHEM MEDICAL PLANS

Need HELP meeting your out-of-pocket expenses?

Meet with an Enrollment Counselor to find out how supplemental plans can help you.

* Deductible does not apply.

Rates

Page 63


Drugs on the Anthem Drug List/Formulary are grouped by ‘tiers.’ A number of factors are considered when

classifying drugs into tiers, including, but not limited to: clinical effectiveness, the absolute cost of the drug; the

cost of the drug relative to other drugs in the same therapeutic class; and the availability of over-the-counter

alternatives. To View the Anthem Drug List, visit www.MyIsleBenefits.com

RETAIL PHARMACY

31 Day Supply Medical Plan 1 Medical Plan 2

Tier 1 - Generics $ 10 Copay Medical Plan Deductible & Coinsurance

Tier 2 - Brand Formulary Rx Deductible & $ 40 Copay Medical Plan Deductible & Coinsurance

Tier 3 - Brand Non-Formulary Rx Deductible & $ 75 Copay Medical Plan Deductible & Coinsurance

Specialty $ 175 Copay Medical Plan Deductible & Coinsurance

*Specialty medications (Tier 4) are limited to 31 day supply regardless of whether they are retail or mail order.

MAIL ORDER PHARMACY

90 Day Supply Medical Plan 1 Medical Plan 2

Tier 1 - Generics $ 20 Copay Medical Plan Deductible & Coinsurance

Tier 2 - Brand Formulary Rx Deductible & $ 80 Copay Medical Plan Deductible & Coinsurance

Tier 3 - Brand Non-Formulary Rx Deductible & $ 150 Copay Medical Plan Deductible & Coinsurance

Specialty* $ 175 Copay* Medical Plan Deductible & Coinsurance

Specialty Drug Copay Assistance Program

Specialty drugs can be very expensive. Isle of Capri offers a Specialty Drug Copay Assistance Program that will assist employees and their dependents to apply for financial assistance directly from drug manufacturers for certain specialty medications. If you are identified as someone who is taking or is prescribed a drug that qualifies for financial assistance, you will receive an outreach call from IPC/Evergreen to help you with the application process.

PRESCRIPTION DRUG COVERAGE

Rx DEDUCTIBLE

Applies to Tier 2 and Tier 3 Only Medical Plan 1

Single $ 200

Employee + Spouse $ 300

Employee + Child(ren) $ 300

Family $ 400

NEW Step Therapy

See page 48 for details


$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 65

* 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 all 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 65


Isle of Capri offers dental protection through

Delta Dental of Missouri. With Delta Dental of Missouri, you can receive care from any

dentist. However, Delta Dental has contracts with a large network of

dentists who have agreed not to charge more than a specified amount

for particular services. If you use one of these network dentists, you

won’t have to worry about being charged for additional amounts above

the allowable amount covered by the plan.

Preventive Services

Oral exams, X-Ray, Cleanings, Brush Biopsy, Topical fluoride, Space maintainers, Sealants

100% Coverage

Basic Services

Restorative services using amalgam, synthetic porcelain, and plastic filling material, Periodontics, Endodontic, Oral surgery, Nitrous Oxide

80% Coverage

Major Services

Prosthetics: Bridges and Dentures, Crowns, Jackets, Labial Veneers, Inlays, and Onlays

50% Coverage

Orthodontia Services

For Dependent Child(ren) 50% Coverage

Plan Deductible and Maximums

Deductible $75

Benefit Maximum $2,000

Orthodontic Lifetime Maximum $2,000

DENTAL PLAN Rates

Page 63


VISION PLAN Rates

Page 63

No member cards are needed with the Vision Service Plan. You may receive care from any vision care provider. However, Vision Service Plan has an extensive nationwide network of doctors who provide eye care and eye wear. When you receive care through these vision care providers, you simply pay the appropriate copayment. If you visit an out-of-network provider, be aware that your out-of-network benefits do not guarantee full payment.

Your Coverage with a VSP Doctor

WellVision Exam • Focuses on your eyes and overall wellness $10 Every 12 months

Prescription Glasses $20 See frame and lenses

Frame • $150 allowance for a wide selection of frames

• 20% off amount over your allowance

Included in

Prescription

Glasses

Every 12 months

Lenses • Single vision, lined bifocal, and lined trifocal lenses

• Polycarbonate lenses for dependent children

Included in

Prescription

Glasses

Every 12 months

Lens Options • Standard progressive lenses

• Premium progressive lenses

• Custom progressive lenses

• Average 35-40% off other lens options

$50

$80 - $90

$120 - $160

Every 12 months

Contacts

(instead of glasses)

• $150 allowance for contacts and contact lens exam (fitting

and evaluation)

• 15% off contact lens exam (fitting and evaluation)

$0 Every 12 months

Diabetic Eyecare Program • Services related to type 1 diabetes; Limitations and

coordination with medical coverage may apply.

Ask your VSP doctor for details.

$20 As needed

Extra Savings and Discounts Glasses and Sunglasses

• 30% off additional glasses and sunglasses, including lens options, from the same VSP doctor on the same day

as your WellVision Exam. Or get 20% off from any VSP doctor within 12 months of your last WellVision Exam.

Retinal Screening

• Guaranteed pricing on retinal screening as an enhancement to your WellVision Exam.

Laser Vision Correction

• Average 15% off the regular price or 5% off the promotional price; discounts only available from contracted facilities

• After surgery, use your frame allowance (if eligible) for sunglasses from any VSP doctor

Your Coverage with Other Providers

Visit vsp.com for details, if you plan to see a provider other than a VSP doctor.

Exam.................................. up to $35 Single Vision Lenses...... up to $25 Lined Trifocal Lenses.....up to $55

Contacts..............................up to $105 Frame..............................up to $45 Lined Bifocal Lenses......up to $40

Progressive Lenses.............up to $55

VSP guarantees coverage from VSP doctors only. Coverage information is subject to change. In the event of a conflict between this

information and your organization’s contract with VSP, the terms of the contract will prevail.


Flexible Spending Accounts (FSAs) enable you to put aside money for important expenses and help you reduce your income taxes at the same time. The Isle of Capri offers two types of Flexible Spending Accounts: a Health Care FSA and a Depend-ent Care FSA. These accounts allow you to set aside pre-tax dollars to pay for certain out-of-pocket health care or depend-ent care expenses.

How Flexible Spending Accounts Work 1. Each year during Annual Enrollment, you decide on how much to set aside for health care and/or

dependent care expenses. 2. Your contributions are deducted from your paycheck on a pre-tax basis in equal installments

throughout the calendar year. 3. File your claims through Ameriflex. Please note that these accounts are separate and you may choose to participate in one, both or neither. You cannot use money from the Health Care FSA to cover expenses eligible under the Dependent Care FSA or vice versa.

How do I file a claim?

Ameriflex offers a number options when it comes to submitting your eligible, unreimbursed expenses for payment through

your flexible spending account.

Ameriflex Convenience Card – The Ameriflex Convenience Card can be used for your eligible expenses at the time

of service. This card works like a debit card and pays the provider’s office directly. You may request multiple debit

cards to be used by your eligible dependents. You will want to keep copies of your receipts in the event that

verification is required.

MyPlanConnect – register your insurance carrier information through the Ameriflex member portal so they can

receive copies of your EOBs (explanation of benefits) directly from Anthem or any other health insurance provider.

Funds are directly debited from your FSA for distribution to you. There is no need for you to provide additional

documentation.

Mobile App – use your smart phone or tablet to take a picture of your claim/receipt of your unreimbursed

expenses and submit directly to Ameriflex for payment. Ameriflex will process the payment from the submitted

information.

Member Portal – log into your secure, online account through any internet connection to upload and submit

your documentation for payment from your FSA.

Payment is provided via a paper check or you may elect to have funds placed into your banking account through

a direct deposit option.

Plan Annual Maximum

Contribution

Examples of

Covered Expenses

Health Care Flexible Spending Account

$2,550 Copays, deductibles,

prescriptions, orthodontia, eyeglasses, etc.

Dependent Care Flexible Spending Account

$5,000 ($2,500 if married and filing

separate tax returns)

Day care, nursery school, elder care expenses, etc.

FLEXIBLE SPENDING ACCOUNTS

For a full list of eligible expenses, visit https://www.irs.gov/publications/p502/


REMINDER Remember to calculate your

expenses conservatively when making your FSA elections.

IRS regulations require that you forfeit any money left in your account at the end of the plan year.

FSA EXAMPLE

WITHOUT a Flexible Spending Account: WITH a Flexible Spending Account:

Gross Annual Pay $30,000 Gross Annual Pay $30,000

Estimated Tax $ 7,500

FSA Pretax Contribution for Unreimbursed

Expenses

$ 1,000

Take Home Pay $22,500 Lower Taxable

Income $29,000

Unreimbursed Expenses

$ 1,000 Estimated Tax $ 7,250

Total Take Home Pay $21,500 Greater Total Take

Home Pay $ 21,750

FSA EXAMPLE / FLEX CARD

https://www.mywealthcareonline.com/ameriflex

MyAmeriflex Portal


Company Paid Basic Life As an employee, you will receive a company paid life insurance and AD&D benefit equal to one times your base annual salary rounded up to the next thousand. The below noted maximums apply by each class:

Executives One times annual salary to a maximum of $750,000

Directors One times annual salary to a maximum of $250,000

Salary Employees One times annual salary to a maximum of $150,000

Hourly Employees One times annual salary to a maximum of $100,000

Optional Term Life How Much Coverage Can You Buy?

Salary Employee: You can select supplemental life insurance in amounts equal to 1, 2, 3, or 4 times your annual compensation.

However, your total optional life insurance amount cannot exceed $750,000 (company provided and optional life combined).

Hourly Employee: You may purchase additional term life insurance in $10,000 increments to a maximum of $100,000.

Spouse: You may purchase term life insurance for your spouse in the amount of $10,000. You must have coverage for yourself

under the optional term life plan to have coverage on your spouse.

Child/Children: Life insurance in the amount of $5,000 is available for your children provided that you have optional life insurance

for yourself.

Guaranteed Issue:

Guaranteed issue means that you are guaranteed coverage without having to answer any health questions

or provide evidence of good health.

Salary Employee: You may purchase up to 3 times your annual compensation to a maximum of $750,000 (company provided and

optional combined) without providing Evidence of Insurability.

Hourly Employee: Guaranteed issue up to $100,000.

Guaranteed Issue for your Spouse is $10,000 and $5,000 for your children. For Salary Employees If you elect coverage equal to 4 times your salary (not to exceed a combined total of $750,000) you will be required to answer health questions on an Evidence of Insurability form. Cigna must approve all coverage amounts above the guarantee issue amount. You will be covered at the guarantee issue amount until a determination is made by Cigna at which point your coverage will increase to the requested amount or will remain at the guarantee issue amount (if denied). You may receive a request for additional information, if you fail to provide the additional information you will only be covered for the guarantee issue amount.

Reductions in Insurance: By the time you or your spouse reach age 70, chances are that your children will be grown and your mortgage paid.

At age 70, providing you are still employed, your coverage will decrease to 65% of the benefit amount. It will decrease to 50% at age 75.

2016 Open Enrollment Note:

Salary Employee: If you are currently enrolled, you may elect 1 additional times your salary (not to exceed 3 times your salary) in optional life coverage without medical questions during the 2016 open enrollment period.

Hourly Employee: If you are currently enrolled, you may elect up to $100,000 optional life coverage without medical questions during the 2016 open enrollment period.

If you do not enroll when first eligible, you will be required to complete an Evidence of Insurability Form if you later decide to elect this coverage.

BASIC & OPTIONAL TERM LIFE Rates

Page 64


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.

Rates

Page 66


Short Term Disability Insurance (STD) - CIGNA Your Short Term Disability plan is administered through Cigna. The plan requires that you be out of work, and certified disabled by your doctor, due to illness or injury for a minimum of 7 days before your weekly benefit is paid. Your weekly benefit will continue for 12 weeks provided that you remain disabled. Benefits are based upon the following class schedule:

Executives 60% of income to $2,500 per week Directors 60% of income to $2,500 per week All Other Salaried Employees 60% of income to $1,000 per week

Long Term Disability Insurance (LTD) - CIGNA Your long term disability plan is also administered through Cigna. The plan includes a 90 day elimination period, that is the amount of time you are disabled by your doctor and unable to work. Once you complete your elimination period the plan will begin paying a monthly benefit until you are able to return to work or you reach the age of 65, whichever occurs first. The benefits are payable based upon the following class schedule:

Executives 60% of income to $10,000 per month Directors 60% of income to $10,000 per month All Other Salaried Employees 60% of income to $ 5,000 per month

SHORT & LONG TERM DISABILITY

2016 Open Enrollment Note: If you did not enroll when first eligible, you will be required to complete an Evidence of Insurability Form and will be

subject to underwriting approval before disability benefit(s) will become effective.

Rates

Page 63

Short Term Disability Insurance (STD) - CIGNA

Short Term Disability is offered through Cigna. You have the opportunity to purchase insurance that would cover 60% of your pre-disability income to a weekly maximum of $600. The benefit begins after you have been unable to work for 7 days due to illness or injury. You will continue to receive a weekly benefit while disabled for up to 12 weeks.

Long Term Disability Insurance (LTD) - CIGNA

Long Term Disability is also available through Cigna. You have the opportunity to purchase insurance that would cover 60% of you pre-disability earnings to a monthly maximum of $2,500. The benefit begins after you have been unable to work due to illness or injury for 90 days. A monthly benefit will continue to be paid as long as you remain disabled or 3 years, whichever comes first.

Salaried...

Hourly...


ACCIDENT PLAN

Accidents can happen

anytime, anywhere.

But at some point, you may make an unexpected trip to your local emer-

gency 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.

Rates

Page 65


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

LEGAL PLAN Rates

Page 66


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

SocialArmor uncovers 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 Rates

Page 66


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.

Remember…It’s Never too

Late to Save for

Retirement!

401(k) - RETIREMENT

http://www.prudential.com/online/retirement%20or%20call%201-877-778-2100


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


Secure Travel

Worldwide emergency travel assistance can help when

you need it.

A car accident, an ear infection or forgotten medication can ruin

an otherwise fantastic trip. When you or covered members of your

family travel 100 miles or more from home, Cigna Secure Travel

can help with a medical emergency, even if the family member isn’t

traveling with you.

With one phone call, medically-certified, multilingual resources are available to help 24 hours a day,

7 days a week with:

Transportation to a hospital or medical facility

Emergency medical evacuation

Referrals to physicians, dentists and medical

facilities

Prescription refill services

New travel plans for a companion who lost

existing arrangements due to delays caused

by your emergency

Travel of a dependent child (under age 16) who is

left unattended as a result of your illness or injury

Round-trip (economy class) transportation for a

family member if you’re expected to be hospitalized

for more than 10 days

Up to $10,000 cash advance for the payment of

emergency medical services

Repatriation of remains

CIGNAssurance Program for Beneficiaries

The CIGNAssurance Program gives employees greater peace of mind

that insured loved ones will have the support they need following their

loss. Provides beneficiaries with:

Bereavement counseling with certified specialists

Financial information from experience professionals

Legal consultation services

Guidebook to help beneficiaries navigate legal and financial

responsibilities

If you need travel assistance anywhere in the world, contact:

Within the U.S.: 1-888-226-4567

From other locations, call collect: 1-202-331-7635

Via e-mail: [email protected]

OTHER BENEFITS

Summary of Benefits and Coverage Option 1 27

37 Summary of Benefits and Coverage Option 2

47 Wellness Resources and Tools

57 Legal Notices

58 Legal Notices

59 Legal Notices

60 Legal Notices

61 Legal Notices

62 Legal Notices


Me

dic

al

(pg

. 10)

Medical Plan - Bi-weekly Payroll Deduction

Who to Cover? Option 1

$1,000 Deductible Plan

Option 2

$2,000 Deductible Plan

Single Team Member $ 50.00 $ 31.00

Team Member + Spouse $117.00 $ 62.00

Team Member + Child(ren) $105.00 $ 66.00

Family $163.00 $ 91.00

Dental Plan - Bi-weekly Payroll Deduction

Who to Cover?

Single Team Member $ 6.00

Team Member + Spouse $12.00

Team Member + Child(ren) $11.00

Family $18.00

Den

tal

(pg

. 14)

Vision Plan - Bi-weekly Payroll Deduction

Who to Cover?

Single Team Member $ 3.00

Team Member + Spouse $ 6.00

Team Member + Child(ren) $ 6.00

Family $ 9.50

Vis

ion

(p

g.

15)

Review your worksheet prior to your enrollment session.

Short Term Disability

Hourly .92 Per $ 10.00 of Weekly Benefit

Weekly Max 60% to $ 600.00 per week

To calculate your cost, please use this formula:

Weekly earnings X .60 = covered weekly benefit amount Divide weekly benefit amount by 10 x rate (.92) = Monthly premium

Monthly premium x 12 divide by 26 = Your Bi-weekly Deduction

Long Term Disability

Salaried .74 Per $ 100 of Monthly Covered

Salary Monthly Max 60% to $ 5,000 monthly To calculate your cost, please use this formula:

Hourly 1.07 Per $ 100 of Monthly Covered

Salary up to 60% to $ 2,500 monthly

Monthly earnings divide by 100 x rate (.74 or 1.07) = Monthly premium

Monthly premium x 12 divide by 26 = Your Bi-weekly Deduction

LT

D

(pg

. 20)

ST

D

(pg

. 20)

Protecting Your Paycheck...

When Savings Aren’t Always Enough...

Pick the Plan that Best Meets Your Needs...

RATES


Op

tio

na

l L

ife

- H

ou

rly (

pg

. 18)

AGE 10K 20K 30K 40K 50K 60K 70K 80K 90K 100K

15 - 24 .28 .55 .83 1.11 1.38 1.66 1.94 2.22 2.49 2.77

25 - 29 .42 .83 1.25 1.66 2.08 2.49 2.91 3.32 3.74 4.15

30 - 34 .51 1.02 1.52 2.04 2.54 3.05 3.55 4.06 4.57 5.08

35 - 39 .55 1.11 1.66 2.22 2.77 3.32 3.88 4.43 4.98 5.54

40 - 44 .69 1.38 2.08 2.77 3.46 4.15 4.85 5.54 6.23 6.92

45 - 49 .97 1.94 2.91 3.88 4.85 5.82 6.78 7.75 8.72 9.69

50 - 54 1.20 2.40 3.60 4.80 6.00 7.20 8.40 9.60 10.80 12.00

55 - 59 1.66 3.32 4.98 6.65 8.31 9.97 11.63 13.29 14.95 16.62

60 - 64 2.58 5.17 7.75 10.34 12.92 15.51 18.09 20.68 23.26 25.85

65 - 69 4.94 9.88 14.82 19.75 24.69 29.63 34.57 39.51 44.45 49.38

70+ 7.80 15.60 23.40 31.20 39.00 46.80 54.60 62.40 70.20 78.00

Dependent Life

Spouse $10,000 $ 1.74

Child or Children $5,000 per child (6 months of age or older)

$1,000 (birth to 6 months of age) Per paycheck (26)

Dep

. L

ife

Optional Employee Life Hourly Bi-weekly Payroll Deduction

Review your worksheet prior to your enrollment session.

Optional Employee Life Salaried Monthly Rates

Age

(as of 5/1/2015) Rate (per $1,000)

Age

(as of 5/1/2015) Rate (per $1,000)

15-24 $ 0.06 45-49 $ 0.21

25-29 $ 0.09 50-54 $ 0.26

30-34 $ 0.11 55-59 $ 0.36

35-39 $ 0.12 60-64 $ 0.56

40-44 $ 0.15 65-69 $ 1.07

Salaried Calculator for Bi-weekly Cost

X Annual Salary

= $ X / $1,000 = X 12/26 =

1, 2, 3, 4 Coverage amount Rate Monthly cost Per pay cost

Op

tio

na

l L

ife

-

Sa

lari

ed

(p

g. 18)

Take Care of Those You Love…

RATES


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

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

Plan Levels Team Member Team Member +

Spouse

Team Member

+ Child(ren) Family

Level 1 $ 6.62 $ 10.50 $ 6.69 $ 10.57

Level 2 $ 8.26 $ 12.92 $ 8.40 $ 13.06

Level 3 $ 10.57 $ 17.79 $ 10.78 $ 18.00

Level 4 $ 14.70 $ 24.72 $ 14.98 $ 24.99

Ac

cid

en

t P

lan

(p

g.

21)

Can

ce

r P

lan

(p

g. 13)

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 Team Member

+ Child(ren)

Team Member

+ Spouse

17 - 49 $ 9.69 $ 25.18 $ 16.50 $ 20.79

50 - 59 $ 13.41 $ 32.47 $ 19.94 $ 28.62

60 - 64 $ 17.49 $ 41.28 $ 24.46 $ 38.05

65 - 74 $ 21.95 $ 51.69 $ 30.65 $ 47.68

Ho

sp

ita

l In

co

me

(p

g.

12)

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.

Protected from Life’s Accidents?

RATES


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

Cri

tic

al

Illn

es

s (

pg

. 19)

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.

Legal

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 ID

Th

eft

(p

g.

23)

What can Living with a Critical Illness Mean to You?

Le

ga

l (p

g. 22)

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

Identity Monitoring and Restoration

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.

ANTHEM Customer Service …………………………….. 877-508-6414

ANTHEM 24 Hour Nurse Line …..……………………….. 800-700-9184

ANTHEM Future Moms Services .................................... 800-828-5891

DELTA DENTAL Customer Service ............................... 800-335-8266

VSP Customer Service .................................................... 800-877-7195

CIGNA (to file a life or disability claim) ......................... 800-362-4462

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

Need Help with Enrollment?

Contact BenefitHelp at 888-663-1285 option #2

or email [email protected] for assistance.

IMPORTANT PHONE NUMBERS

Who Do I Contact After Enrollment? Corporate Benefits Department at 855-694-7531

or e-mail [email protected]

IOC FULL TIME v1.7

To learn more about your benefits visit MyIsleBenefits.com.