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2019 New Hire Benefits Guide

Welcome

ABOUT THIS GUIDE: The 2019 New Hire Guide describes the coverage offered to the majority of benefits-eligible employees under the Donnelley Financial Group Benefits Plan (“the Plan”). Your benefits eligibility will determine the coverage that is offered to you, your spouse, domestic partner and/or your dependent child(ren). More details on benefits eligibility are available in the Summary Plan Descriptions (SPDs) and Summaries of Material Modifications (SMMs) online at mybenefitsdfsco.com.

IMPORTANT: The descriptions in this Guide are based on official Plan documents. Every effort has been made to ensure the accuracy of this material. In the unlikely event there is a discrepancy between this document, the SPDs, SMMs, any other materials summarizing the Donnelley Financial Solutions Plan and the official Plan documents, the official Plan documents will control. Donnelley Financial, LLC reserves the right to amend, change or terminate any or all of the benefit Plans it sponsors, including without limitation, the Donnelley Financial Group Benefits Plan and the Donnelley Financial Flexible Benefits Plan in whole or in part, at any time.

What’s Inside Page

Welcome! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

What You Need to Do . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

What Happens if You Don’t Enroll . . . . . . . . . . . . . . . . . . . . . .2

Your Benefit Choices

Medical . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Prescription Drug Coverage . . . . . . . . . . . . . . . . . . . . . . . . . .6

Health Savings Account (HSA) . . . . . . . . . . . . . . . . . . . . . . . . 7

Dental . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Vision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Flexible Spending Accounts (FSAs) . . . . . . . . . . . . . . . . . . . . 10

Health Care FSA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

Dependent Care FSA . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

Supplemental Health Care Coverage. . . . . . . . . . . . . . . . . . . . 11

Commuter Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

Group Legal Services Plan . . . . . . . . . . . . . . . . . . . . . . . . . 11

Life and Accident Insurance . . . . . . . . . . . . . . . . . . . . . . . . 12

Business Travel Accident and Assistance . . . . . . . . . . . . . . . . . 13

Disability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

Additional Benefit Programs . . . . . . . . . . . . . . . . . . . . . . . . 15

Life Solutions: EAP & Wellness Resources . . . . . . . . . . . . . . . . 15

PerkSpot Discounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

Purchasing Power . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

Wellness. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

ClassPass: Studio and Gym Discounts . . . . . . . . . . . . . . . . . 16

BCBSIL Fitness Program . . . . . . . . . . . . . . . . . . . . . . . . . 16

Weight Watchers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

Tobacco Cessation . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

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Welcome!This New Hire Guide describes the Health & Welfare benefits that are available to you, provided you meet the eligibility and waiting period requirements as an employee of Donnelley Financial Solutions (DFIN). Some benefits you receive automatically, while others you receive after you choose the appropriate option and coverage category.

It is your responsibility to make sure you have the benefits information you need to enroll in a timely manner. Learn more about your benefit options at our all-in-one benefits information website: mybenefitsdfsco.com. There, you’ll find:

• An easy-to-use online resource that you and your family can access quickly and easily

• A one-stop shop where you can find the most up-to-date benefits information, plan documents, Summaries of Benefits & Coverage (SBCs) and links to key resources

• How to contact the vendors for each of your benefit programs

Through the Benefits Center website dfsco.benefitsnow.com you can enroll in your benefits and access health-related tools.

If you don’t have online access or if you have additional questions, call the Benefits Center at 1-844-44-DFSCO (1-844-443-3726) for assistance Monday through Friday (except holidays), from 8:00 a.m. to 5:00 p.m. Central Time.

What You Need to Do

Enroll Before Your Benefit Effective Date

If you start any day in the month of… Your coverage begins on…

January March 1

February April 1

March May 1

April June 1

May July 1

June August 1

July September 1

August October 1

September November 1

October December 1

November January 1

December February 1

The elections you make remain in effect through December 31 of each year. You cannot change your benefit elections during the year unless you experience a qualified status change (e.g., marriage, divorce, birth of a child). Go to mybenefitsdfsco.com and refer to your SPDs (and any related SMMs) for more information about qualified status changes.

If you experience a qualified status change during the year, you can make a new election, consistent with the status change, within 30 calendar days (or 60 days following eligibility for premium assistance for Medicaid or CHIP or birth of a child) through the Benefits Center. Refer to your Qualified Status Changes SPD available at mybenefitsdfsco.com for more details.

For information on who’s eligible for benefits coverage, go to mybenefitsdfsco.com.

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Register to Enroll OnlineRegister as a new user on dfsco.benefitsnow.com. This will enable you to enroll in your benefits by clicking on the Your Benefits Resources™ link.

NOTE: If you don’t have online access, call the Benefits Center to set up your user ID and password and to enroll in your benefits.

Set Up a Personal Email and Go Paperless!If you want to set your email address as your preferred communication method, go to dfsco.benefitsnow.com and follow the steps to set your mailing preference.

To simplify your life, you can elect to review Plan information online — such as Summary Plan Descriptions (SPDs) and related Summaries of Material Modifications (SMMs) — rather than to receive paper copies. Log on to dfsco.benefitsnow.com and select the “Personal

Information” link under the “Your Profile” tab. There you will choose a Preferred Email Address so you can be notified when new documents are available.

As a reminder, you also have access to information about your benefits, SPDs and SMMs online at mybenefitsdfsco.com. You may refer to the SPDs and related SMMs whenever you have questions about your health and welfare coverage.

What Happens if You Don’t Enroll

OptionCoverage Applies To Benefit Who Pays

Medical You Only HSA medical plan through BCBSIL You and the Company

Dental, Vision and Flexible Spending Accounts

No coverage No coverage NA

Health Savings Account You OnlyThe company will automatically make a contribution to your Health Savings Account with Optum. However, you will have no HSA employee contribution.

Company

Basic Employee Life Insurance You Only 1x base pay, up to $125,000 (There are annual

reductions for active employees age 65 and older.) Company

Short-term Disability You Only 60% of weekly base earnings, up to 26 weeks1 Company

Basic Long-term Disability 2 You Only Monthly benefit amount of 50%,

up to a monthly maximum1 Company

1. Go to mybenefitsdfsco.com to see the SPDs, and any related SMMs, for Program details.2. Evidence of insurability (EOI) is not required for LTD Buy-up coverage at this time. See Long-term Disability for more information.

Your Benefits Resources is a trademark of Alight Solutions.

IMPORTANT: If You Don’t Enroll in MedicalIf you don’t take action to elect No Coverage or enroll in a medical plan before your benefit effective date, you will automatically default to the HSA medical plan and have Employee Only coverage for the Plan year.

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Your Benefit ChoicesMedical

You have two medical options that offer different levels of medical coverage to help meet different needs. Coverage is through Blue Cross and Blue Shield of Illinois (BCBSIL).

Coverage OptionsYour medical coverage options are:

HSA medical plan Copay medical plan

The HSA medical plan includes a Health Savings Account (HSA) and the company HSA contribution.

PremiumsYou must pay the premium of the coverage you elect for you and your enrolled, eligible dependents. Your Monthly Medical, Dental and Vision Premiums sheet lists the monthly costs associated with each option and coverage category. Premiums are based on your pay band, which is generally your base pay when you are first hired until the next September 1. The amount you pay is based on several factors as outlined in the SPD (and any related SMM).

Virtual Visits — Health Care on Your ScheduleYou and your covered dependents can get care for many non-emergency issues from a board-certified doctor when it’s convenient for you, 24/7 through a virtual visit right from your own home! Go to MDLIVE.com/bcbsil to register today.

Tobacco-Free PledgeDFIN encourages you to lead a healthy lifestyle. That’s why the company offers a discount on medical premiums if you and your covered spouse, domestic partner or child(ren) don’t use tobacco products. If you or any covered dependents are tobacco users and will not participate in the tobacco-cessation program in 2019, each of you will pay an annual surcharge (added to your medical premium) as follows:

• Employee Only: $500

• Spouse/Domestic Partner Only: $500

• Employee + Spouse/Domestic Partner: $1,000

• Dependent Child(ren) Only: $250

• Employee + Child(ren): $750

• Spouse/Domestic Partner + Child(ren): $750

• Family [Employee + Spouse/Domestic Partner + Child(ren)]: $1,250

If you are enrolled for fewer than 12 months, the additional amount will be prorated. Visit mybenefitsdfsco.com for more details on the tobacco-cessation program.

IMPORTANT: Your tobacco declarations for medical and optional life insurance must match — otherwise, we will contact you after your enrollment deadline.

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Comparing Plan OptionsYour medical options generally cover the same services and prescription drugs, but the way you pay for them differs. Consider your typical health care use and your ability to cover unexpected health care costs to determine which option will work best for your situation.

Consider Your Total CostsAs you’re deciding which medical option to choose, remember to think about your total costs for the type of care you’ll need.

TOTAL COST YOUR PREMIUM DEDUCTIBLE COPAYMENTS/COINSURANCE (up to your out-of-pocket maximum, which includes the deductible and copays/ coinsurance but NOT premiums)

= + +

Get Help to Make Informed Medical Decisions

Support for individuals with diabetes, coronary artery disease and congestive heart failure may be provided through BCBSIL. To get information about the programs available to you, contact a Benefits Value Advisor at 1-888-895-6981.

Also, if you are undergoing chemotherapy or later need such treatment, ask your doctor to contact BCBSIL for prior authorization. Our cancer management program aligns your chemotherapy treatment to national guidelines developed by the top 25 cancer facilities to promote the use of evidence-based guidelines for different types and stages of cancer.

Lower Reimbursement for Out-of-Network Care

• Many health plans cover services from out-of-network providers at a specific percentage of an amount referred to as “reasonable and customary.” The DFIN Medical Program pays out-of-network claims at the Medicare reimbursement level.

• This means you’ll pay significantly more to see an out-of-network doctor or other provider.

• Find in-network doctors and more information at www.bcbsil.com or call 1-888-895-6981.

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2019 Medical Program Options at a Glance

HSA Copay

Coverage Categories Employee Only

• Employee + Spouse • Employee + Child(ren) • Family Employee Only

• Employee + Spouse • Employee + Child(ren) • Family

Annual Deductible $3,000 $6,000

(individual deductible of $3,000) $2,000 $4,000 (individual deductible of $2,000)

Coinsurance• In-Network• Out-of-Network

• You pay 20% after deductible• You pay 40% after deductible

• You pay 20% after deductible • You pay 40% after deductible

Annual Out-of Pocket Maximum (Medical & Rx combined)

$6,200 $12,400 (individual maximum of $6,200) $6,200 $12,400

(individual maximum of $6,200)

HSA Contribution from DFIN*

$500

• $750 Employee + Spouse• $1,000 Employee +

Child(ren)• $1,250 Family

NA

Preventive Care• In-Network• Out-of-Network

• You pay $0 and no deductible • You pay 40% after deductible

• You pay $0 and no deductible • You pay 40% after deductible

Office Visit• In-Network• Out-of-Network

• You pay 20% after deductible • You pay 40% after deductible

• $25• You pay 40% after deductible

Specialist• In-Network• Out-of-Network

• You pay 20% after deductible• You pay 40% after deductible

• $40• You pay 40% after deductible

Emergency Room• In-Network• Out-of-Network

• You pay 20% after deductible• You pay 20% after deductible if true emergency,

otherwise 40% of balance after deductible

• You pay $500 copayment + 20% of balance• You pay $500 copayment + 20% of balance

if true emergency, otherwise 40% of balance

Prescription Drugs (Through CVS Caremark)

You pay (after deductible):

Retail & Mail ServiceYou pay (does NOT apply to your deductible):

Retail Mail Service

• Generic 20% 20% ($10 min/$40 max) 20% ($25 min/$100 max)

• Formulary 30% 30% ($40 min/$75 max) 30% ($100 min/$185 max)

• Non-Formulary 40% 40% ($55 min/$125 max) 40% ($140 min/$315 max)

• Specialty 40% $150 Not allowed

Get your annual checkup! In-network preventive care is FREE!

* Prorated based on your benefit effective date. See page 7.

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Prescription Drug Coverage

Both medical options include prescription drug coverage through CVS Caremark.

Save on Prescription Drug CostsTip Why This Matters

Use generics and formulary drugs when available

The use of generic drugs helps to lower prescription drug costs for both you and the company. The FDA requires generic drugs to be as safe and effective as brand-name drugs. Talk to your doctor about choosing a generic or brand formulary option.

BONUS: The Medical Program pays 100% of the cost of generic cholesterol and blood pressure medication.

Use the CVS Caremark Maintenance Choice Program or CVS Caremark Mail Service for maintenance drugs

Save time and money by getting a 90-day supply of your maintenance medication filled at your local CVS pharmacy, including Target stores with a CVS pharmacy, OR mailed directly to your home. Pay the same price either way. Plus, if you use the CVS Caremark Mail Service, you can choose to spread your payments over three months. See below for prescribing rules.

Use your HSA or FSA Save money by paying for your prescriptions with tax-free dollars through a Health Savings Account (HSA) or the Health Care Flexible Spending Account (FSA). Just be sure to understand IRS reimbursement rules and how your medical option can affect your Health Care FSA.

Prescribing Rule Why This Matters

Dispense as Written penalty If a generic drug is available, but your doctor notes “Dispense as Written/No Substitutions” on the prescription for the brand-name drug, you will pay the coinsurance plus the difference between the generic and the brand price.

Quantity limits on certain drug classes (e.g., steroid inhalants, nasal steroids)

Helps ensure appropriate drug use.

Prior authorization for certain drug classes (e.g., androgens, antipsoriatics, ADHD agents)

Protects against off-label use.

Generic step therapy Encourages use of less-costly generics before brand-name medications; please consult with your health care provider.

Maintenance Choice Program (Maintenance Choice does not apply to one-time or short-term medications, which are taken for 90 days or less)

• First maintenance medication: May fill a 30-day supply at any pharmacy in the CVS network.• After one fill: Must fill maintenance medications in a 90-day supply through the Mail

Service or at a CVS pharmacy, including those inside Target stores.

NOTE: If you continue to order 30-day supplies of your maintenance medications without using the CVS pharmacy Maintenance Choice Program or CVS Caremark Mail Service, you may be asked to pay the full cost of your prescriptions. If you prefer to obtain long-term medications through any network pharmacy, you must contact CVS Caremark to opt out of the Maintenance Choice Program.

No coverage for brand-name proton pump inhibitors or any non-sedating antihistamines

These are available over the counter with no prescription.

Learn MoreVisit caremark.com or call CVS Caremark at 1-866-273-8402 to get more information about your prescription drug coverage, find the list of formulary drugs and find local pharmacies in your network. You can also use the pharmacy search tool on the CVS Caremark app for iPhone or Android to find in-network pharmacies.

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Health Savings Account (HSA)

Only for the HSA Medical PlanIf you enroll in the HSA medical plan, you’ll receive a Health Savings Account (HSA). An HSA lets you save tax-free money to pay for eligible health care expenses now and in the future.

DFIN Contributes, and You Can, Too!DFIN will contribute to your HSA based on your medical coverage level. You can also choose to make contributions to your account, up to IRS limits. See below for the maximum contributions for 2019.

Medical Coverage Level DFIN Contribution Your Maximum Contribution* 2019 IRS Limit

Employee only $500 $3,000 $3,500

Employee + spouse $750 $6,250 $7,000

Employee + child(ren) $1,000 $6,000 $7,000

Employee + family $1,250 $5,750 $7,000

* If you are age 55+ you can make an additional $1,000 catch-up contribution.

If you are a new hire in 2019, DFIN’s contribution to your HSA will be prorated based on your benefit effective date:

Benefit Effective Date Prorated DFIN Contribution

January 1 - March 31 100% contribution

April 1 - June 30 75% contribution

July 1 - September 30 50% contribution

October 1 - December 31 25% contribution

You Can Use It Now …Use your HSA now to help you meet your deductible and to pay for current eligible health care expenses.

TIP: If you participate in the Limited-use FSA, you can use your FSA to pay for eligible dental and vision expenses at any time. However, you can use it to pay for eligible medical/Rx expenses only after you meet your deductible. And there isn’t a deadline to use your HSA — any unused funds roll over at the end of each year and continue to build.

… Or Invest It for the FutureYou earn interest on money in your HSA. If you choose to let your HSA grow (instead of using it now to pay for eligible health care expenses), you may invest the money in a choice of investment options once you meet the investment threshold. Mutual fund investment options are made available through the services of an independent investment advisor. Be sure to discuss if investing the money in your HSA is right for you with your financial advisor.

For More InformationVisit www.optumbank.com for tools and resources to help you plan your contribution amount and manage your HSA.

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DentalYour dental options include the Dental PPO and Dental PPO Plus (both provided by MetLife). Both options allow you to choose any dentist, but you receive a higher level of coverage with lower out-of-pocket costs if you use participating network dentists.

To find an in-network dentist, go to www.metlife.com/mybenefits, select Employee Benefits and then Dental. Look for the PDP Plus Network under Find a Dentist. If you use an out-of-network provider, the Program pays benefits in accordance with the two options’ usual and customary (U&C) limits.

The chart below compares the two coverage options.

Benefit DescriptionMetLife PPO

In-Network & Out-of-NetworkMetLife PPO Plus

In-Network & Out-of-Network

Deductible (no deductible applies for Type A services) $50 individual/$150 family $50 individual/$150 family

Annual Benefit Maximum — Non-Orthodontia $1,500 per individual $2,000 per individual

Lifetime Orthodontia Maximum Benefit NA $2,000 per individual receiving

treatment per lifetime

Preventive — Type A (routine exams, cleanings, bitewing x-rays, fluoride application, sealants, etc.)

You pay $0 You pay $0

Basic — Type B (fillings, full mouth x-rays, routine extractions, root canals, periodontics, oral surgery, etc.)

You pay 50% You pay 20%

Major — Type C (crowns, dentures, bridges, surgical extractions, implants, etc.)

You pay 50% You pay 50%

Orthodontia — Type D NA You pay 50%

PremiumsThe Monthly Medical, Dental and Vision Premiums sheet lists the monthly costs for each option and coverage category.

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VisionYour Vision Care Program options include EyeMed and EyeMed Enhanced.

Both EyeMed options provide comprehensive coverage for exams, lenses, frames and contact lenses through a network of providers, as well as discounts on laser vision correction.

To find an EyeMed provider, visit www.eyemed.com and look for the Vision Care Program network. Prospective members can also call 1-866-299-1358 for assistance.

Below is a summary of benefits.

Benefit Description

EyeMed EyeMed Enhanced

In-Network Out-of-Network In-Network Out-of-Network

Frequency of Service (months)

• 12 mo. exam

• 24 mo. frames

• 12 mo. lens

• 12 mo. exam

• 24 mo. frames

• 12 mo. lens

• 12 mo. exam

• 12 mo. frames

• 12 mo. lens

• 12 mo. exam

• 12 mo. frames

• 12 mo. lens

Routine Vision Exam $10 copay Up to $35

allowance $0 copay Up to $35 allowance

Frames$0 copay — $130

allowance; 20% off balance over $130

Up to $60 allowance

$0 copay — $160 allowance; 20% off balance over $160

Up to $80 allowance

Lens (single vision)* $20 copay Up to $25

allowance $10 copay Up to $25 allowance

Contacts*$0 copay — $150

allowance; 15% off balance over $150

Up to $150 allowance

$0 copay — $170 allowance; 15% off balance over $170

Up to $150 allowance

Laser Surgery15% off retail price or 5% off promotional

priceNA

15% off retail price or 5% off promotional

priceNA

* Benefit coverage is for either contact lenses OR frame lenses but not both.

PremiumsThe Monthly Medical, Dental and Vision Premiums sheet lists the monthly costs for each option and coverage category.

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Flexible Spending Accounts (FSAs)

FSAs allow you to pay for eligible out-of-pocket health care and dependent day care expenses using pre-tax dollars. Taking the time to understand how they work can help you save up to 40% or more on eligible expenses, depending on your tax bracket.

Health Care FSA Dependent Care FSA

Contribute Pre-tax

• $200 to $2,650 annually• Roll over up to $500 each year

• $200 to $5,000 (or $2,500 if married and filing separate tax returns)

• “Use it or lose it” at year end

Pay Expenses Use for eligible expenses for you and your eligible family members such as:• Coinsurance• Eyeglasses or contact lenses • Copayments• Prescription and over-the-counter drugs

prescribed by a doctor

Full-Use Health Care FSA if in Copay medical plan

Use immediately for eligible medical, prescription drug, dental and vision expenses1

Limited-Use Health Care FSA if in HSA medical plan

• For eligible medical and prescription drug expenses after you meet your medical plan deductible2

• Use immediately for eligible dental and vision expenses

For eligible dependent day care-related expenses such as day care for:

• Children

• Elderly parent

• Disabled spouse

Get Reimbursed for Eligible Expenses

Use your debit card or file a claim for reimbursement:• Save all itemized receipts• You can’t use your Health Care FSA to pay for

ineligible items (e.g., magazines, cosmetics) or dependent care expenses

• Can receive reimbursement automatically in your bank account

Can receive reimbursement automatically in your bank account

1. Applies for expenses for eligible dependents even if they do not have coverage under your Medical Program option.2. Even if the medical or prescription drug expense is not a covered expense under the Medical Program, you cannot pay it through your FSA until you have met

your deductible.

IMPORTANT: If you leave the company during the Plan year, you can only submit FSA claims for services incurred up to your termination date. The exception is if you elect to continue your Health Care FSA coverage during your COBRA eligibility period and you pay your COBRA premiums.

For More InformationFind more information on FSA-eligible expenses at www.irs.gov. Manage your FSA and estimate your contribution amount by choosing the Your Spending Account link through dfsco.benefitsnow.com.

Your Spending Account is a trademark of Alight Solutions.

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Supplemental Health Care CoverageMetLife can help supplement your existing health care coverage and provide cash benefits due to illness or injury. Policies include:

• Accident Insurance

• Critical Illness Insurance

• Hospital Insurance

For more information, visit www.metlife.com/mybenefits or call 1-855-JOINMET (1-855-564-6638), Monday – Friday, 7:00 a.m. – 10:00 p.m. Central Time. To enroll, log in at dfsco.benefitsnow.com.

IMPORTANT: The voluntary and supplemental benefit programs are not sponsored, maintained, subsidized nor endorsed by DFIN.

Commuter BenefitThe commuter benefit through WageWorks saves you money by letting you pay for eligible parking and transportation expenses as part of your daily commute to work with pre-tax payroll deductions.

• Save up to 40% on eligible transit and parking costs

• No open enrollment — sign up any time to start saving

• Variety of easy-to-use payment options

You can contribute up to a maximum of $265 per month for transit and/or $265 per month for qualified parking. It’s a great way to put extra money in your pocket each month. Learn more and sign up at any time at www.wageworks.com/mytransit.

Group Legal Services PlanWith the Group Legal Services Plan through Hyatt Legal, you can get quick legal advice at an affordable price. You can receive a virtual consultation with a participating plan attorney on a wide range of legal matters such as preparing a will, buying a new home, working with your creditors, getting married, or losing a parent or spouse.

Learn more at www.legalplans.com. Enroll along with your other benefits at dfsco.benefitsnow.com.

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Life and Accident InsuranceThe Life and Accident Insurance Program provides important financial protection in the event something happens to you or your spouse, domestic partner or child(ren).

IMPORTANT: You cannot cover another employee as a spouse/domestic partner or child under the Life and Accident Insurance Program.

Life Insurance Type Coverage

Basic Life Insurance

• Pays a benefit to your designated beneficiary if you die in accordance with Plan provisions

• This company-provided benefit is provided to you automatically

1x annual base pay up to $125,000

• The amount of basic life insurance for active employees age 65 and older is subject to annual age reductions in accordance with the Plan. See the Life SPD and Certificate at mybenefitsdfsco.com for details

Optional Employee Life Insurance

• Pays a benefit to your designated beneficiary if you die in accordance with Plan provisions

• You purchase this coverage

1x to 7x annual base pay, up to a combined benefit (basic and optional) of $2 million

• As your coverage amount or age increases, so do your premiums

Optional Spouse/Domestic Partner and Child Life Insurance

• Pays a benefit in accordance with Plan provisions


• Elect spouse/domestic partner life insurance from $10,000 up to $200,000 with certain restrictions

• Elect up to $25,000 life insurance coverage for child(ren)

Optional AD&D Insurance for yourself, spouse/domestic partner, child(ren)

• Pays a benefit in accordance with Plan provisions for accidental death and certain other losses


• You: 1x to 7x annual base pay, up to $2 million

• Eligible spouse/domestic partner if there are no covered children: 60% of the employee’s amount (up to a maximum of $750,000)

• Eligible dependent child if there is no covered spouse/domestic partner: 25% of the employee’s amount (up to a maximum of $150,000)

• If an eligible spouse AND child(ren) are covered: — The amount for an eligible spouse is 50% of the employee’s

amount (up to a maximum of $750,000)— The amount for an eligible child(ren) is 20% of the employee’s

amount (up to a maximum of $150,000)

Important Information About Your Tobacco DeclarationsYour tobacco declarations for medical and optional life insurance must match — otherwise, we will contact you. For example, you can’t declare yourself tobacco-free for the Medical Program but declare yourself a smoker for optional life insurance. You must elect “No tobacco surcharge — cessation program” if you will participate in the DFIN tobacco-cessation program for 2019 to receive the tobacco-free credit.

More instructions for taking the pledge are included on dfsco.benefitsnow.com. You can also contact the Benefits Center if you need assistance.

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Business Travel Accident and Assistance

Business Travel Accident The Business Travel Accident (BTA) policy is a global policy that provides death and disability coverage for any eligible employee traveling on company business — domestically or internationally. This benefit is administered by ACE American Insurance Company, a member of the Chubb Group of Companies. Benefits vary depending on the type of covered activities.

International SOS AssistanceDFIN has partnered with the world’s leading medical and security assistance company, International SOS, for worldwide medical, travel and emergency assistance when traveling on company business.

Optional Life Insurance — Evidence of Insurability (EOI) • If you enroll when initially eligible as a new hire:

— If you enroll for Optional Life Insurance, you can elect up to three times your annual base pay without providing EOI if the benefit remains under $500,000.*

— You can elect optional spouse/domestic partner life insurance up to $50,000* without your spouse/domestic partner needing to provide EOI.

— EOI is not required for optional AD&D insurance or optional child life insurance.

• If you don’t enroll when initially eligible as a new hire: You may be required to provide EOI no matter what level of coverage you initially select or increase to in the future.

IMPORTANT: If you start an online EOI, you must submit it within 7 days. No form will be mailed to you.

* Prudential will require satisfaction of EOI for any coverage above this amount.

mybenefitsdfsco.comLearn more at

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DisabilityThe Disability Benefit Program provides protection against the loss of your regular pay if you’re unable to work because of a covered illness or injury, subject to the claim administrator’s approval. Aetna Life Insurance Company is the claims administrator for the program.

Disability Type Coverage

Short-term Disability (STD)


60% of your pre-disability earnings for up to 26 weeks

• Benefits begin on the 8th calendar day even if you are hospitalized.

Basic Long-term Disability (LTD)


50% of your earnings (up to $10,000 a month combined with LTD Buy-up)

• Monthly LTD benefits continue until the earlier of age 65 or the date you are no longer disabled according to the Program.

• If you become disabled after age 60, your benefits duration schedule may vary.

LTD Buy-up


Additional 10% of LTD coverage, which would provide a total LTD benefit of 60% of your pre-disability earnings (up to $10,000 a month combined with basic LTD)

NOTE: Evidence of insurability (EOI) is not required for LTD Buy-up if you enroll by your benefit enrollment date when first eligible as a new hire.

LTD Pre-Existing Condition Limitations

These pre-existing condition limitations apply if you elect LTD Buy-up for the first time. For long-term disability (LTD) if the disability starts within the first 12 months after your coverage goes into effect, your LTD coverage does not pay benefits for a disability that is caused, or contributed to, by a pre-existing condition that you have been diagnosed, treated or received medical services for in the prior 15 months (i.e., this includes the three months prior to your coverage effective date). More information about pre-existing conditions can be found in the LTD Plan Summary at mybenefitsdfsco.com.

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Additional Benefit ProgramsLife Solutions: EAP & Wellness ResourcesYou can access the Employee Assistance Program (EAP) and additional work/life resources through Life Solutions: EAP & Wellness Resources online at www.achievesolutions.net/dfs or toll-free at 1-877-409-1508, 24 hours a day, 7 days a week.

The EAP is administered by Beacon Health — an experienced industry leader in the EAP and work/life fields. The EAP is completely confidential and free to you and your family.

3 Ways to Connect

By Telephone: Unlimited telephonic support for the issues listed below

In Person: Up to five no-cost EAP visits per incident for each Medical Program participant in your household

Online: Find a wealth of informational resources at www.achievesolutions.net/dfs

PerkSpot DiscountsWith your Employee Discount Program through PerkSpot, you now have access to hundreds of exclusive discounts at some of your favorite national and local merchants. Check out your savings from work, home or on-the-go with any device.

Discounts include cell phones and cellular plans, travel, tickets and entertainment, and health and wellness. Login to the discount program at dfsco.perkspot.com.

You can enroll in exclusive DFIN programs through the convenience of payroll deductions. Simply visit the “DFS Exclusives” tab at dfsco.perkspot.com. Programs offering discounts include MetLife Home & Auto and MetLife Pet Insurance.

Purchasing PowerBuy today and pay over time — right from your paycheck — with no credit checks, hidden fees or interest. Purchasing Power is easy to use: sign up for free at www.PurchasingPower.com, shop thousands of brand-name products, and receive your order right away.

IMPORTANT: The voluntary benefit programs and discounts are not sponsored, maintained, subsidized nor endorsed by DFIN.

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Wellness

ClassPass: Studio and Gym DiscountsDFIN has partnered with ClassPass, the leading fitness membership that grants you access to the world’s largest studio and gym network. We offer an exclusive discounted membership. To be eligible for the discounted rate, you must register through the customized DFIN landing page at www.classpass.com/try/dfs. Simply click on “Get Started” and choose your city from the dropdown menu to view the discounted rates.

IMPORTANT: The discounted membership rates are only offered to the first 250 employees who register for a ClassPass membership. The discounts are not sponsored, maintained, subsidized nor endorsed by DFIN.

BCBSIL Fitness ProgramMembers enrolled in a Blue Cross and Blue Shield of Illinois (BCBSIL) medical plan can sign up for the Fitness Program, which offers flexibility, convenience and ease for just one low monthly fee. Members have access to more than 9,500 participating facilities so they can work out whether traveling, at home or at work.

To enroll, log in to Blue Access for Members at www.bcbsil.com and search for the Fitness Program under Quick Links. If you have any questions or prefer to enroll over the phone, call 1-888-762-BLUE (1-888-762-2583).

Weight WatchersDFIN has partnered with Weight Watchers® to provide you with a proven weight-loss approach and powerful group support.

To purchase the special Weight Watchers offerings for DFIN, or for more information, visit https://wellness.weightwatchers.com :

• Employer ID: 11881307

• Employer Passcode: ww11881307

Tobacco CessationTobacco: Kick It! through Beacon Health is a multifaceted tobacco cessation program that addresses all three aspects of tobacco dependence — physical, psychological and behavioral — through a mix of telephone coaching, nicotine-replacement therapy, print communication materials and web-based support.

Get started today! Contact Beacon Health at 1-877-409-1508 or visit www.achievesolutions.net/dfs.

mybenefitsdfsco.comLearn more at

H000213206

CHOOSE PAPERLESS!

View Benefits Info OnlineAvoid mounds of paper and instead get easy online access to Summary Plan Descriptions, Summaries of Material Modifications and legal notices.

Log on to dfsco.benefitsnow.com. (“Register as a New User” if you are accessing the site for the first time.)

Enter a “Preferred Email Address” so you can be notified when new documents are available.

Select “Personal Information” under the “Your Profile” tab.

3 Simple Steps

It’s a no-brainer:

1.2.3.

You can also visit mybenefitsdfsco.com to get Plan information at any time.

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