2015 Benefits Open Enrollment Guide

Make Choices by December 7, 2014

Effective Date - January 1, 2015Open Enrollment is the time to review all benefit plans. You may change or cancel plans, add or delete dependents and change beneficiaries.

Current plans will renew in 2015 if no action is taken during this open enrollment period.

Exception: Flexible spending accounts must be renewed annually.

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It is time for benefits open enrollment. We ask that you review your benefit elections and consider any changes you may want to make for 2015. Consider changes in your life this past year and how they may affect the choices you make about your benefits.

As you know, health care costs have continued to rise. We have seen large increases in the amount we spend on hospital claims and prescription drugs. However, we are committed to providing the best plans at a resonable cost to our employees. We have great partners and providers who know benefits inside and out. The health of you and your family is important to us. We have worked to maintain increases in employee premiums at levels below the national average and have done so since 2002.

Login to the Zone to make your enrollment elections today. Karen Gibbs in The Corporate Benefits Dept. is avaliable if you need further assistance and to answer all of your questions.

We realize these are important decisions so please take advantage of the information available as you consider your open enrollment decisions

Sincerely,

Kristi Pittman Director, Benefits & Human Resources Shared Services

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Your Medical & Rx BenefitsYour medical benefits will continue to be provided through Cigna Healthcare and prescription coverage will continue through Catamaran. The premiums below reflect a 7% increase.

Your Medical Benefits at a Glance

PPO – Buy Up Plan PPO – Core Plan

Covers: 80% In-Network / 50% Out-of-Network

Covers: 70% In-Network / 50% Out-of-Network

Deductible: Individual $750 / $1500 Family $2250 / $4500

Deductible: Individual $1500 / $3000

Family $4500 / $9000

Out-of-Pocket Maximum: Individual $3000 / $6000 Family $6000 / $12,0000

Out-of-Pocket Maximum: Individual $5000 / $10,000 Family $10,000 / $20,0000

Co-pay: $40 Primary Care, $50 Specialist Co-pay: $50 Primary Care, $60 Specialist

Emergency Room Co-pay: $100 Emergency Room Co-pay: $150

Mental health is covered as any other condition Mental health including Rx is not covered

RX Deductible: $150 Individual / $300 Family RX Deductible: $150 Individual / $300 Family

Rx Co-pay Retail: Gen $15, Brand $35, Non-Pref $70

Rx Co-pay Retail: Gen $20, Brand $50, Non-Pref $80

Rx Mail Order: Gen $30, Brand $70, Non-Pref $140

Rx Mail Order: Gen $40, Brand $100, Non-Pref $160

Both plans have unlimited lifetime maximums, allow for diabetic supplies through Diabetic Sense only and allow for specialty prescriptions to be filled by Catamaran Specialty Pharmacy only.

The chart above is a summary of the major differences between the two plans only. Please refer to the summary plan descriptions for a complete list of covered expenses and plan specifications. For a complete list of covered providers in your area, please go to www.mycigna.com, or call Cigna at 800-244-6224.

Getting Started with Open Enrollment Review Medical & Rx Choices

Plan Selected Weekly Premium

Core Plan – Employee Only $9.45

Buy Up Plan – Employee Only $23.55

Core Plan – Employee + Children $35.30

Buy Up Plan – Employee + Children $46.67

Core Plan – Employee + Spouse and/or Family $70.73

Buy Up Plan – Employee + Spouse and/or Family $94.44

Important Notes About Your PrescriptionsGeneric prescriptions will be substituted for certain brand name prescriptions unless medically necessary. Participants currently taking one of these medications will be contacted by Catamaran by mail with more information on determining medical necessity.

Check out MyCigna.Com

Have you checked out mycigna.com? Mycigna.com is a helpful tool to use for your insurance needs.

At mycigna.com you can:

•Check on claims

•Print ID Cards

•Shop for lower cost options on planned procedures

•Find in-network doctors in your area.

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Your Dental BenefitsGoodman provides two dental plan options through Cigna to meet your needs. There is no penalty for using a non-Cigna provider but the available discounts could lower your out-of-pocket expenses.

Plan Selected Weekly Cost

Core Plan – Employee Only $1.85

Buy Up Plan – Employee Only $2.60

Core Plan – Employee + 1 $4.15

Buy Up Plan – Employee +1 $8.45

Core Plan – Employee + 2 or more $6.92

Buy Up Plan – Employee + 2 or more $10.39

Your Dental Benefits at a Glance

Buy Up Plan Core Plan

Annual Deductible Ind $25 / Fam $75 Ind $50 / Fam $150

Annual Max/Person $2000 $1000

Preventive Care 20% No Deductible 20% No Deductible

Basic Treatment 80% / 20% 80% / 20%

Major Treatment 50% / 50% 50% / 50%

Orthodontia 50% / 50% with $50 Deductible

& $1000 Lifetime Maximum

Not Covered

New cards will NOT be automatically re-issued this year. To replace a card or for a complete list of providers, please visit their website at www.cigna.com or call 800-244-6224. Please refer to the Summary Plan Description for a detailed explanation of covered/non-covered benefits, plan requirements and applicable co-pays.

Next Step Review Dental Choices

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Next Step Consider Flexible Spending

Flexible Spending AccountYou may allocate pre-tax dollars to be set aside from each paycheck for medical out-of-pocket expenses. This can include office visit co-pays, deductibles, vision exams, dental work and prescriptions. For a list of covered & non-covered expenses, please go to www.irs.gov – Publication 502.

You do not have to be enrolled in the health plan to participate. The elected amount will be available immediately and a debit card will be provided. Substantiation for amounts other than co-pays will be required so you’ll need to save receipts and insurance statements.

You may also allocate pre-tax dollars for daycare expenses. Daycare expenses are reimbursed up to the amount that you contribute each pay period.

All charges must be incurred during the Plan Year. Reimbursement will not be allowed for expenses incurred from prior years or for ineligible dependents. Plan wisely – unused balances will not be refunded.

Next Step Decide on Vision Care

Vision CareEmployees who enroll in the Davis Vision benefit are eligible for a free pair of safety lenses annually AND upon request at the initial visit. (Brazers may also be eligible for tinted glasses. Please contact Corporate Benefits for additional information.)

Vision benefits are administered by Davis Vision. There is no ID card. Simply tell the provider that you are covered by Davis Vision when you make the appointment.

You may visit any doctor, but if you use an in-network doctor you pay a co-pay for most services. If you visit a doctor outside of the network, you pay the full amount at the time of the visit and submit a claim form for reimbursement.

In-Network

Co-pay for Exams (Every 12 Months) $10

Co-pay for Frames (Every 24 Months) $5

Co-pay for Lenses (Single/Bifocal/Trifocal) $5

Co-pay for Contacts (Every 12 Months) $24 / $45

Out-of-Network

Exams & Materials – Reimbursement of $50

Plan Selected Weekly Premium

Employee Only $0.00

Employee +1 $1.15

Employee +2 or More $2.07

Important NoteThe benefit plans you select during open enrollment will become effective on January 1, 2015 and will remain in effect for the entire calendar year unless you experience a qualified family status change (and make that change within 31 days of the event.)

Important NoteIf you would like to participate in flexible spending, you must enroll in the plan(s) each year during open enrollment.

Plan Contribution Limits:

$2,500 - Unreimbursed Medical Expenses

$5,000 - Day Care

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Next Step Review Additional Information on Voluntary Benefits in The Zone Company Provided BenefitsBasic Life InsuranceHourly employees are eligible for one times annual salary, up to $50,000 with a minimum of $30,000. This benefit is available to all eligible employees, at no cost.

Accidental Death & Dismemberment (AD&D)In the event of accidental death, your beneficiary will receive two times your annual salary, up to the same maximums as the basic life insurance.

Short-term Disability (STD)STD benefits are designed to help replace part of your income when you are temporarily disabled and unable to work. All regular-full time employees are enrolled in STD benefits after 90 days of employment. (Plan provisions apply.) The weekly benefit amount is $350 after a seven-day waiting period. Benefits may be received for as long as 13 weeks including the waiting period, based on temporary total disability.

Other BenefitsCritical Illness Insurance OptionTo protect yourself from the financial impact of battling a critical illness, a voluntary supplemental benefit plan is offered. The benefits may be purchased in $5,000 increments up to $30,000 and is available for you and your family through Aflac. The Zone contains rate information. Coverage is subject to pre-existing conditions.

401(k) Retirement Plan – Wells FargoAfter 90 days of service, full-time employees may contribute up to 17% of their salaries on a pre-tax basis up to the annual maximum of $18,000. If you are age 50 or older, you may contribute additional catch-up contributions. For employees hired before 12/14/2002, Goodman matches $.50 on each dollar up to a maximum Company contribution of 3.25% of eligible pay. For employees hired after 12/14/2002, Goodman matches $.50 on each dollar up to a maximum contribution of 6% of eligible pay. Employees with five years of service with the Company or three years of plan participation (whichever is earlier) will be automatically vested in the Company contributions. At wellsfargo.com, you may enroll, find information about investment funds, request a loan or hardship withdrawal, change your deferral amount, and designate a beneficiary.

Employee Assistance ProgramSometimes balancing work and family activities can create stress that is hard to handle on your own. To help you through these times, you can receive confidential counseling and referrals through the EAP at no cost to you. You and your eligible dependents can use the program. No enrollment is necessary and all employees are eligible

Counseling is available through the EAP for personal issues such as:■■ Family or marital problems■■ Parenting concerns■■ Emotional difficulties like depression, anxiety,

guilt or grief■■ Drug and alcohol dependency■■ Stress and burnout

■■ Eating disorders like anorexia or bulimia■■ Conflicts at work■■ Crisis situations■■ Questions about legal or financial concerns■■ Questions on child or elder care

Counselors are available 24 hours a day and Goodman will pay for up to three onsite counseling sessions per person per year with an EAP counselor. For more information, call Lifeworks at 1-877-234-5151 and use the Company Code GOODMAN GLOBAL.

Important NoteYou must renew annually in 401(k) catch up contributions if you will be 50 or older in 2015 by contacting the Corporate Benefits Dept.

New 401K Annual LimitRegular contributions are now $18,000.

Catchup contributions for age 50 and older are now $6,000.

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How to EnrollSTEP 1 - After reviewing this brochure, begin open enrollment by logging in to THE ZONE (https://TheZone.goodmanmfg.com)

STEP 2 - Review your dependents and beneficiaries and make appropriate changes under MY DEPENDENTS and MY BENEFICIARIES under the benefits menu.

STEP 3 - Select OPEN ENROLLMENT under the benefits menu. Your 2014 benefit elections will be displayed, along with the 2014 and 2015 premiums. If you make changes, the premiums will change accordingly.

PRE-TAX BENEFITS■■ MEDICAL & DENTAL - Select the Buy Up or

Core Plan and the level of coverage■■ VISION - Select the level of coverage only■■ FLEX SPENDING - Select Health and/or

Dependent Care – You will designate the annual amount later (see Step 6).

VOLUNTARY BENEFITS■■ Walk through each of the voluntary benefits.

Specific details on each are included in the step-by-step instructions available under Benefit Enrollment Docs in the Zone.

STEP 4 - Select only those dependents to be covered on each plan. When you are done, press RECALCULATE and, if satisfied, CONTINUE.

STEP 5 - Designate beneficiaries for each life insurance plan selected.

STEP 6 - If you selected flex spending, you will add the amounts on the savings plan worksheet. Additionally, you will add the weekly premium for Aflac critical illness if appropriate.

STEP 7 - Confirm your benefit changes. If you need to make changes use the back button on the screen (not on your browser). You will be able to scan and upload any forms needed at this step. If you would like to save and submit later, press SAVE AS DRAFT. When you are ready, hit the SUBMIT icon.

Next Step Enroll

Important NoteFor detailed step-by-step instructions, see the open enrollment instructions posted in the Zone under Benefit Enrollment Docs.

Try Out Our New Benefits

Abenity Discount Program■■ Provides a collection of local and

national discounts from thousands of companies as well as printable and mobile coupons

■■ Company-specific discounts like our Employee Purchase Program or the Whirlpool VIPLink program can be found on the site https://goodmanmfg.abenity.com, code: GOODMAN

VISA Paycards – PayChekPLUS Elite■■ Provides employees with a direct

deposit without a bank account■■ Access to the full balance at no cost

from banks that accept VISA■■ Free ATM at AllPoint ATM locations■■ Online account access and bill pay■■ Reduce worry over lost/stolen checks■■ Immediate access to your paycheck

while away on payday

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Need More Information?Start by going to the Zone (https://TheZone.goodmanmfg.com) where there are links to our benefit providers.

Cigna (Medical and Dental)www.mycigna.com or 1-800-244-6224

Catamaran Rxwww.catamaranrx.com or 1-888-869-4600

Davis Vision Customer Servicewww.davisvision.com or 1-800-999-5431

Zions Bank Connect Your Care Flex Spending www.connectyourcare.com or 1-866-326-9232

Wells Fargo Retirement Planwww.wellsfargo.com or 1-800-728-3123

Abenity Discount Programhttps://goodmanmfg.abenity.com code: GOODMAN

Your Internal Benefits ContactsHouston, GSD & Dayton Cheryl Guillory 713-263-5776

Fayetteville & Quietflex Karen Gibbs 713-263-5377

More DetailsDependent Children Age 19 thru 25Once a covered dependent child reaches the age of 19, he/she can remain on the healthcare plan as long as no other coverage options are available until he/she reaches age 26. You will be asked to complete an affidavit that certifies the child has no other coverage options each year.

Healthcare ReformThe medical plan continues to be “grandfathered” as defined by the healthcare reform law. Your 2015 W-2 will include the annual portion paid by the Company for your health insurance coverage. This is in compliance with the healthcare reform law. The amount will be listed in Box 12, Code DD.

1999 Women’s Health and Cancer Rights Act Our plans comply with this act by providing coverage for mastectomies and for reconstructive surgery and prostheses following mastectomies. This coverage will be provided in consultation with the patient and the patient’s attending physician and will be subject to the same annual deductible, co-insurance and/or co-payment provisions otherwise applicable under the Plan.

Making ChangesIf you have a family status change this year, you will be able to make changes to your elections. Family status changes include, but are not limited to, new marriage, divorce, legal separation, annulment, birth, adoption or placement for an adoption of an eligible child, death of your spouse or covered child, change in your spouse’s work status that affects his or her benefits eligibility, or change in your work status that affects your benefits eligibility.

If you have a family status change, you must submit a benefit change request through The Zone within 31 days of the event and provide proof of the change (marriage license, birth certificate, etc). Otherwise, you will have to wait until the next annual enrollment period to make benefit changes.

About this Guide & Benefits Eligibility InformationThis guide describes the benefit plans/policies available to Goodman Union employees. The details of these plans and policies are contained in the official plan and policy documents, including some insurance contracts. This guide is meant only to cover the major points of each plan/policy. It does not contain all of the details that are included in your Summary Plan Description (SPD)*, as described by ERISA.

If there are any questions, or if there is a conflict between the information in this guide and the formal language of the plan or policy documents, the formal wording in the plan or policy documents will govern. Please note that the benefits described in this guide may be changed at any time and do not represent a contractual obligation on the part of Goodman.

Regular, full-time employees working 30 hours or more each week are eligible for the following benefits after 90 days of employment: medical, dental, vision, basic life, short-term disability, flexible spending, critical illness and employee discounts. After 90 days of employment, employees become eligible for the 401(k) retirement plan.

While you are in the Zone, it is a great time to update your address before W-2s are sent out, make sure your emergency contacts are still correct, and update your email address for Company communication.

*SPD’s can be found in the Zone under the Benefit Enrollments tab.