YOUR WELL-BEING. MANAGED WELL.

2018 BENEFITS ENROLLMENT GUIDE

Table of Contents

STEPS TO PREPARE

Choose Your 2018 Benefits 3

BENEFIT ASSISTANCE

HELPING YOU CHOOSE

Quick Reference 10

What's New or Changing for 2018 6

Benefit Two Ways 11

Resources to Help You Decide 5

WELL-BEING PROGRAMS

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Choose Your 2018 Benefits

For 2018, we continue to offer a wide range of benefits and coverage options to meet the diverse needs of our employees. We're also making some changes that help our program remain competitive and demonstrate we're on the forefront of thinking about ways to maintain your health and the various aspects of your well-being.

These steps can help you understand the 2018 offerings, including what's new and what's changing, so you can make informed choices during the enrollment period, Oct. 12 through Nov. 3.

THESE STEPS CAN HELP:

1  Use the available information and decision-support tools.

• Read pages 6-9 in this guide to see the benefits program changes for next year.

• Find a wealth of information and tools on the Benefits Resource site.

• Attend a health and well-being fair where you’ll find more information about the 2018 benefit offerings and our well-being programs (including how you can earn up to $600 in health plan premium credits next year).* Fairs will be held in Hartford, Windsor, Charlotte, Lake Mary, New Hartford and San Antonio.

2   Get personalized help in making your choices. Is your current health plan option saving you the most money? What other ways can you boost your budget and protect your finances? Two resources can help you consider your options at no charge to you:

• ALEX®, the virtual benefits counselor – at netbenefits.com/thehartford is available during the enrollment period beginning Oct. 12. This year, ALEX has been improved to provide a better user experience on all devices, including smartphones. He’s also been enhanced to help you understand the tax savings offered by certain benefits (e.g., health savings account and flexible spending accounts) as well as how your health plan interacts with Medicare.

• Ayco financial coaches – Call 1-866-217-8691, Monday through Friday, 9 a.m. to 5 p.m. ET. Evening appointments available Monday through Thursday until 8 p.m. ET. Or schedule an appointment online.

  Before you meet with ALEX or an Ayco coach, look up your 2017 health care expenses, and if you’re having surgery or a medical procedure next year, estimate your costs with these tools. Having this information on-hand will help you answer their questions.

  STEPS TO PREPARE

TAKE NOTE:

For 2018, an important change to our prescription drug benefit resulted in savings that'll allow The Hartford to hold your health plan premiums flat next year.

Get more details on page 6.

continued

* Plan members on long-term disability or COBRA and employees in Hawaii are not eligible for health premium credits. In addition, to receive health premium credits after Q1 2018, employees must complete the health risk assessment.

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3   Protect your money as well as your life. The Hartford offers Basic Life, Basic Accidental Death and Dismemberment (AD&D) and Short-Term and Long-Term Disability insurance to help safeguard your family’s finances. You can also purchase other insurance for additional protection, including Critical Illness, Accident, Optional Life, Optional AD&D and Optional Long-Term Disability coverages.

4   Factor in your well-being. In addition to improving your health and the way you feel, you can save on your health plan premiums by taking advantage of our well-being programs.

5   Enroll in your benefits between Oct. 12 and Nov. 3. When you’re ready, go to Fidelity NetBenefits® to elect your benefits (Print or save your confirmation statement when you’re finished!). Remember, if you do not take action during this Annual Enrollment period, you’ll automatically receive:

• Your current 2017 medical, dental and vision coverages. If you have a health savings account (HSA) in 2017, your contribution election will automatically carry over for 2018.

• Your current 2017 optional coverages, including Critical Illness, Accident, Life, Accidental Death and Dismemberment (AD&D) and Long-Term Disability (LTD).

• Basic Life and AD&D coverage – each equal to one times your annual pay up to $100,000 (unless you elected $50,000 to avoid imputed income). Get details.

• No participation in the following benefits (you must re-elect these each year):

  » Health Care Spending Account and Dependent Day Care Spending Account

  » Purchased Paid-Time-Off (PTO)

MEET ALEX, YOUR VIRTUAL BENEFITS COUNSELOR

In addition to offering guidance for your benefit elections, ALEX helps you understand how they work.

DID YOU KNOW?

ALEX is available from any computer with an internet connection at netbenefits.com/thehartford. That means ALEX can offer guidance to both you and your family members about your coverages and tax-saving opportunities.

You can also learn more about the 2018 offerings from your home computer or tablet on the Benefits Resource site at thehartford.com/mybenefitsresource.

  STEPS TO PREPARE

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Resources to Help You Decide

To choose your benefits, it’s important to know how they work. These resources can help.

RESOURCE HOW IT HELPS YOU HOW TO ACCESS

Benefits Resource Site Access this site where you’ll find: • Detailed benefit plan descriptions • “How-to” guides • Fact sheets, videos and tools • Information about programs to improve your physical,

emotional, financial and social health

From work: go to “Life & Career” on iConnect

From home: visit thehartford.com/mybenefitsresource

ALEX, Virtual Benefits Counselor

Interact with ALEX who'll ask a few questions about you and your family and make recommendations for the following benefits based on your specific needs:• Medical, dental, vision, Life, Disability, Critical Illness

and Accident coverages• Health Care Spending Account and Dependent Day

Care Spending Account• Prescription drug savings (mail-order drug program)

ALEX is available from any computer with an internet connection at netbenefits.com/thehartford, so both you and your family members can interact with him as you consider your options.

Ayco Financial Coaches Receive one-on-one counseling to help as you make benefit decisions – at no cost to you.

Call 1-866-217-8691, Monday through Friday, 9 a.m. to 5 p.m. ET. Evening appointments available Monday through Thursday until 8 p.m. ET. Or schedule an appointment online.1

HR Service Center Get answers to your benefits and enrollment questions. Call 1-877-HR-AT-WORK (1-877-472-8967). Press “1” or say “Healthcare, 401(k) or Pension.”

Fidelity NetBenefits Go here to enroll in your benefits. You can also access your health savings account (HSA) and Investment and Savings Plan (ISP)/401(k) account.

From work: go to “Life & Career” on iConnect

From home: visit netbenefits.com/thehartford

My Wellness At Work Get answers to well-being program and health plan premium credit questions.

Call 1-855-651-2910 or review the Well-Being eBook. Also, register and log in at mywellnessmywork.com

  HELPING YOU CHOOSE

1 To access Ayco from home or from the Benefits Resource site, you first need to register on the Aycofn® site from your work computer. After you access the site, click the “My Profile” icon in the top toolbar and select “Click Here” under “Website Access.”

The Ayco Company, L.P., (Ayco) is a subsidiary of The Goldman Sachs Group, Inc and an affiliate of Goldman Sachs & Co. LLC, a worldwide, full-service investment banking, broker-dealer and asset management organization.

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What’s New or Changing for 2018

Before reviewing what’s new or changing for 2018, here’s a quick summary of the benefits and coverage options that will continue to be available:

• Three Consumer-Directed Health Plan (CDHP) options with a Health Savings Account (HSA)

• PPO – only for eligible employees who re-enrolled in this option for 2017

• Dental and Vision coverages

• Health Care Spending Account and Dependent Day Care Spending Account

• Our award-winning well-being programs

• Company-paid Short-Term Disability, Basic Life, Basic Accidental Death & Dismemberment (AD&D) and Long-Term Disability (LTD)

• Other coverages, including Critical Illness, Accident, Optional Life, Optional Accidental Death & Dismemberment and Optional Long-Term Disability

• Purchased paid-time-off (PTO)

• Commuter Benefits Program

Take time to understand the following changes before you make your 2018 elections on Fidelity NetBenefits, during the enrollment period, Oct. 12 through Nov. 3.

continued

  HELPING YOU CHOOSE

BENEFIT CHANGE

PRESCRIPTION DRUG CLAIMS ADMINISTRATOR

OPTUMRX® TO ADMINISTER PRESCRIPTION DRUG COVERAGE INSTEAD OF EXPRESS SCRIPTS INC.

As of Jan. 1, 2018, The Hartford is moving the administration of our prescription drug services from Express-Scripts to OptumRx. The change is a result of our participation in the Health Transformation Alliance, which The Hartford joined last year.

With this change, we expect minimal disruption, as approximately 95 percent of drugs will stay in the same formulary tier and less than one percent of pharmacies that our members are using today will become out-of-network.

We understand some employees may need help in making the transition. The links to the right can help you understand what’s changing, if you need to take action and where to get help.

What’s changing:

• Prescription drug coverage (formulary and clinical guidelines)

• Pharmacy network

• New option for maintenance medications

• Refill requirements

• Specialty pharmacy program

What to expect next:

• Your prescriptions will automatically transfer to OptumRx

• You’ll receive new ID cards in December

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BENEFIT CHANGE

FIDELITY HEALTH SAVINGS ACCOUNT® (HSA)

CONTRIBUTION LIMITS ARE INCREASING

To align with Internal Revenue Service regulations, the health savings account (HSA) contribution limits are increasing for “individual” coverage and “family” coverage under The Hartford consumer-directed health plan (CDHP) options, as of Jan. 1.

For individual coverage, the limit is increasing from $3,400 to $3,450 and for family coverage, the limit is increasing from $6,750 to $6,900.

Remember, The Hartford’s contribution to your HSA ($400 for individual and $800 for family) is factored into this limit. So, if you’re enrolling in either the Standard or Value CDHP option and you want to contribute up to the IRS limit, you need to adjust your annual contribution to the following amounts:

• For individual coverage, change your contribution to $3,050

• For family coverage, change your contribution to $6,100.

It’s a good idea to review your contribution amount during the enrollment period, but you can change it at any point during the year by calling the HR Service Center, 1-877-HR-AT-WORK (1-877-472-8967), select option 1 – Health Care, 401(k) or Pension.

HEALTH PLAN (BOTH THE PPO AND CONSUMER-DIRECTED HEALTH PLAN OPTIONS)

COVERAGE ADDED FOR APPLIED BEHAVIORAL ANALYSIS THERAPY

Effective Jan. 1, The Hartford’s health plan will cover Applied Behavioral Analysis (ABA) therapy, a treatment for children who have been diagnosed with Autism Spectrum Disorder. The coverage will be available to dependents, age birth through 20.

To receive coverage, the following are required:

• A diagnosis of Autism Spectrum Disorder completed by a psychiatrist, developmental behavioral pediatrician, psychologist or neurologist.

• Precertification before the services are rendered. Your provider will coordinate this step. Those receiving ABA services in 2017 who expect to continue in 2018 will also require precertification to be eligible for coverage in 2018.

• Ongoing reviews for medical necessity. These will occur at specific intervals – typically every six months – throughout the child’s treatment. The intervals may vary based on the child’s needs and the behaviors being addressed through therapy.

• Certain credentials – the ABA provider who delivers the treatment must be:

» An independently licensed professional such as a clinical social worker, clinical psychologist or master’s level therapist or

» A behavior analyst certified by the Behavior Analyst Certification Board

Note services provided in a classroom setting that are educational in nature are not covered. Also, additional terms apply – see the Summary Plan Description document on NetBenefits, for details.

continued

  HELPING YOU CHOOSE

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BENEFIT CHANGE

BENEFIT DEDUCTION SCHEDULE FOR EMPLOYEES PAID BI-WEEKLY

BENEFIT COSTS TO BE DEDUCTED FROM ALL 26 PAYCHECKS EACH YEAR

Beginning Jan. 1, benefit costs will be deducted from all paychecks for employees who are paid on a bi-weekly basis. This means the payments will be spread out over 26 pay periods instead of 24.

The new deduction schedule change only applies to your health and benefit deductions. Your 401(k)/Investment and Savings Plan (ISP) loan repayments and any ancillary deductions (e.g., homeowners and auto insurance) are not affected.

How It Works:

The table below compares the 26-week schedule to the 24-week schedule. In the 26-week schedule, the benefit cost deductions are lower each pay period but the total amount paid at the end of the year is the same for both schedules.

In this example, the employee has an annual salary of less than $60,000 and selects the Standard consumer-directed health plan option and the Enhanced Dental plan, both with family coverage.

Health Dental Total Benefit Costs for the Year (rounded)

26-week schedule: $126.72 $37.98 $4,282

24-week schedule: $137.28 $41.14 $4,282

PAID-TIME-OFF (PTO) PAYOUTS OF ACCRUED PTO WILL NO LONGER OCCUR FOR EMPLOYEES WHO LEAVE THE COMPANY

Background: The purpose of PTO is to give active employees time away from work so they can feel better, focus and perform at their best when they return. It’s one of our employees’ most valued benefits, but faced with the need to reduce expenses, we chose this option because it does not impact our active employees.

Also, this change does not apply to:

• Purchased PTO time – you can continue to purchase additional PTO time during the enrollment period, and if you leave the company, any unused purchased time will be reimbursed

• Employees affected by any reductions in force (RIFs) that may occur after Jan. 1, 2018

• Employees in states that require PTO payout, including California, Illinois, Massachusetts, Colorado, Louisiana, Montana, Nebraska, North Dakota and Wyoming. This list is subject to change.

Note that you will still be able to roll over up to five days of accrued, unused PTO at the end of each year.

continued

  HELPING YOU CHOOSE

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BENEFIT CHANGE

SHORT-TERM DISABILITY INSURANCE

COVERAGE FOR WORK-RELATED INJURIES IS CHANGING

Effective Jan. 1, the Short-Term Disability plan will exclude disabilities resulting from a work related injury or illness.

If you have an injury or illness that is work related, you may be covered by our workers’ compensation program. If your injury or illness is not work related, you may be eligible for Short–Term Disability benefits.

This means that, if approved, you will be covered by one plan, but not both, for the same injury or illness.

LEAVE OF ABSENCE POLICY

EMPLOYEES ON LEAVE WILL BE ABLE TO BORROW PAID-TIME-OFF

To offer additional flexibility to employees on an unpaid leave of absence, we’re offering the ability to borrow up to the equivalent of one work week of paid-time-off (PTO) to use during leave. This means these employees can use the PTO, even if it hasn’t accrued, to receive pay during an unpaid portion of the leave.

To “pay back” the PTO when the leave is over, the employee will need to accrue the number of borrowed hours by the end of the year. If it’s not possible to accrue the time before year-end, the balance will be deducted from the employee’s PTO for the following year.

If the employee leaves the company before the time is accrued, he or she will need to reimburse The Hartford for any remaining balance.

RETIREE CONSUMER-DIRECTED HEALTH PLAN (CDHP)

FEWER YEARS OF SERVICE REQUIRED FOR ELIGIBILITY

Fewer years of service will be required to be eligible for The Hartford retiree consumer-directed health plan (Retiree CDHP). As of Jan. 1, the required number of years is being lowered from 10 to five.

Note that your age plus years of service must equal 65 or more to be eligible for the Retiree CDHP. So, with the change in required years of service, the definition of eligibility will be as follows:

• You must be at least 55 years old and are less than 65 years old; and

• You must have completed at least five years of service at The Hartford; and

• Your age plus years of service must equal at least 65 or more

Reminder: Retirees pay the full cost of this plan.

ENHANCED RESOURCE

ALEX, YOUR VIRTUAL BENEFITS COUNSELOR

ENHANCED TOOL OFFERS AN EVEN BETTER EXPERIENCE

ALEX is again available on NetBenefits to help you choose the benefits for your needs and budget. This year, this tool has been enhanced to:

• Provide a better user experience, on all devices. Access ALEX from any smartphone or mobile device – the flow of the conversation has also been restructured so you can more quickly get the information you need.

• Drive home the financial benefits of our programs. ALEX explains how you can put money back in your pocket by contributing to a health savings account (HSA), flexible spending account, or a 401(k) plan.

• Offer help with new topics. If you’re approaching Medicare eligibility, get personalized guidance to help you understand how Medicare inter-acts with your plans at The Hartford (including HSA limitations). He’ll also explain the benefits of using an HSA for long-term expenses.

  HELPING YOU CHOOSE

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Quick Reference: Benefit Assistance

In addition to the resources on page 5, the following contacts can answer specific questions about your coverage and claims:

RESOURCE GET ANSWERS ABOUT THESE BENEFITS HOW TO ACCESS

Anthem Health plan 1-800-801-6308

anthem.com

Express Scripts 2017 Prescription drug coverage 1-800-233-7840

express-scripts.com

OptumRx 2018 Prescription drug coverage

1-844-368-8712 Oct. 12 through Dec. 31: learn.optumrx.com/hartford After Jan. 1: optumrx.com

Delta Dental of NJ Dental plan 1-888-234-4612

deltadentalnj.com

Blue View Vision (administered by Anthem)

Vision plan 1-866-723-0515

anthem.com

WageWorks• Health Care Spending Account• Dependent Day Care Spending Account• Commuter Benefits Program

1-877-WageWorks (877-924-3967) wageworks.com/Hartford

The Hartford’s Group Benefits Call Center

• Critical Illness insurance• Accident insurance• Life and AD&D insurance

1-866-623-8688 or thehartford.com/benefits-resource/other-coverages

HartLeave• Short-Term Disability• Long-Term Disability

1-800-727-9737

My Wellness At WorkWell-being program and health plan premium credit questions

Call 1-855-651-2910 or review the Well-Being eBook. Also, register and log in at mywellnessmywork.com

Download apps for these resources from the App Store for Apple or Google Play for Android.

  BENEFIT ASSISTANCE

DID YOU KNOW?

It’s really important for you to add the following items to your to-do list:

1. Update your beneficiaries. If your beneficiaries aren’t up-to-date, or you haven’t elected any, your hard-earned money and your benefits might not be distributed according to your wishes if you should pass away. Especially if you’ve recently had life changes, like marriage or divorce, it’s important to update this information in NetBenefits.

2. Re-enroll in the following benefits on NetBenefits during the enrollment period if you want them for next year. If you don’t re-enroll, you won’t be able to participate:

• Health care spending account

• Dependent day care spending account

• Purchased paid-time-off (PTO)

3. By March 31, 2018, submit your health care spending account and the dependent day care spending account claims for eligible expenses incurred between Jan. 1, 2017 and Dec. 31, 2017. See a list of eligible expenses for the HCSA and DCSA. Get details on how to submit claims.

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Benefit Two Ways: Be Well and Save On Health Plan Premiums

In addition to improving your health and the way you feel, participation in our well-being programs can help you save on your health plan premiums.

If you enroll in The Hartford’s health plan in 2018, you can earn up to $600 in credits toward your health premiums next year by participating in programs and activities to improve your well-being.1

When you participate, you’ll earn wellness points. If you earn at least 10 wellness points during a quarter, you’ll receive a $150 healthy lifestyle premium credit toward your health plan premiums the following quarter in 2018.

EASY WAY TO EARN Q1 2018 CREDIT

You can earn all 10 of the points needed for the first quarter 2018 $150 health plan premium credit in one easy step – complete a free company-sponsored health screening by Nov. 3. Based on the results of your screening, you could also earn up to an additional 15 wellness points toward future health plan premium credits.

And, you can earn two more wellness points this fall by receiving a free flu shot at one of our onsite flu clinics or reporting a flu shot received outside of work on the wellness portal.

Learn other ways to earn wellness points by reviewing the Well-Being eBook.

  WELL-BEING PROGRAMS

SAVE MONEY FOR IMPROVING YOUR WELL-BEING

1 To be eligible to receive a health premium credit, you must be enrolled in The Hartford’s health plan. Plan members on long-term disability or COBRA and employees in Hawaii are not eligible for health premium credits. In addition, to receive health premium credits after Q1 2018, you must complete the health risk assessment.

PARTICIPATE IN WELLNESS PROGRAMS

AND ACTIVITIES

EARN AT LEAST 10 WELLNESS POINTS PER QUARTER AND

COMPLETE THE ANNUAL HEALTH RISK ASSESSMENT

SAVE UP TO $150 PER QUARTER (OR $600

PER YEAR) ON YOUR HEALTH PREMIUMS!1

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IMPORTANT LEGAL NOTICESThe following information and notices are being provided to you in accordance with federal law. While not all of them may be relevant for you at this time, you should review them, and you may want to retain a copy for your future reference.

ABOUT YOUR PRIVACY

SUMMARY OF BENEFITS AND COVERAGE

IMPORTANT INFORMATION: WOMEN’S HEALTH AND CANCER RIGHTS ACT OF 1998

SPECIAL NOTICE OF ENROLLMENT RIGHTS UNDER THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT (HIPAA)

HEALTH INSURANCE PORTABILITY AND ACCOUNTABILTY ACT (HIPAA) PRIVACY NOTICE

CHILDREN’S HEALTH INSURANCE PROGRAM REAUTHORIZATION ACT OF 2009 (CHIPRA) NOTICE

NOTICE TO EMPLOYEES ON COBRA, LEAVE OR SEVERANCE

MEDICARE PART D NOTICE OF CREDITABLE COVERAGE

FIDELITY HSA

This guide is not intended to create, nor will it be construed to form, a contract or promise for a benefit. Participation in the plans is subject to all applicable terms and conditions of the plans. Full details about the plans are provided in the official Plan Documents, which govern the operation of the plans. Any differences between this guide and the Plan Documents are not intended, but if any differences are found to exist, the Plan Documents will govern. Summary plan descriptions for The Hartford’s health plan reflecting 2018 benefit changes will be available on NetBenefits beginning Oct. 12, 2017. The plan administrator reserves the right to make all interpretations with respect to the plans described here. The decisions of the plan administrator are final and binding upon all participants. The Hartford reserves the right, without your consent or concurrence, to amend, modify, suspend, replace, or terminate the plans, in whole or in part, including any level or form of coverage or contribution amount at any time. If the plans are amended, modified, suspended, replaced or terminated, you or other employees may not receive benefits as described here.

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.

This information has been provided by The Hartford and is the sole responsibility of The Hartford.

Aycofn® is a trademark of The Ayco Company, L.P., a Goldman Sachs Company. This service is provided exclusively by The Ayco Company, L.P. Used with permission. The Ayco Company, L.P., (Ayco) is a subsidiary of The Goldman Sachs Group, Inc and an affiliate of Goldman, Sachs & Co., a worldwide, full-service investment banking, broker-dealer and asset management organization.

All Optum® trademarks and logos are owned by Optum, Inc. All other brand or product names are trademarks or registered marks of their respective owners.

YOUR WELL-BEING. MANAGED WELL.

17-0795 © September 2017 The Hartford

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