2017 Mandatory Open Enrollment

Top Guard Security’s Open Enrollment period will run from Monday, November 28th –

December 17th

The company will pay 50% of the single employee premiumon the MEC plan, making your cost $110.88 per year, whichis much less than the $695 tax penalty!As outlined under the healthcare law, the Affordable CareAct (ACA), all individuals must have Minimum EssentialCoverage (MEC) beginning January 1, 2014 or pay a taxpenalty. In 2017, the tax penalty for not having healthcarecoverage is the greater of 2.5% of adjusted householdincome or $695 per adult plus $347.50 per child. Employeescan prevent being taxed the “Individual Mandate” taxpenalty by purchasing the Reliance Essential Plan offered byTop Guard Security effective January 1, 2017.

In addition to this health plan, we are also offering limited medical and supplemental health options through Reliance Standard and Allstate Insurance. The Reliance BasicAdvantage Total plans provide for services such as inpatient hospital benefits, outpatient benefits, and prescription drug benefits. The Allstate plans supplement your health benefits to alleviate financial strain due to an illness or injury. This allows you to retain your hard earned money by paying cash benefits to you in order to offset high copayments, deductibles and non covered services under the plan. The Allstate policies will pay you directly for an unforeseen illness, injury or accident.

IMPORTANT – ACTION REQUIREDAs an employee of Top Guard Security, you are requiredto attend an open enrollment meeting and enroll or waive participation in each benefit plan. Open Enrollment will be held from: 11/28 – 12/17/2016. We will be tracking participation and are requiring100% compliance of each employee. You must confirm

your elections for the 2017 plan year; 2016 elections will not carry over.

Log onto the benefit enrollment system by clicking on thebelow link, and following the instructions outlined below:https://allstate.benselect.com/Enroll/Lib/login

1. Enter your Social Security number (9 digitswithout dashes)

2. Enter your Personal Identification Number (last four digits of your Social Security number and the last two digits of your birth year(ex: social 123-45-6789 and born in 1985 –PIN = 678985)

3. Follow the step-by-step process to elect or waive benefits and add or remove dependents as applicable.

4. Enter your PIN to confirm your enrollment elections

5. Print a confirmation statement for your records.

Reliance Standard BasicAdvantage PlansThe BasicAdvantage Plans provide coverage for medical services such as physician visits, emergency room, lab & x-ray, high level imaging as well as prescription drugs. The following page contains a brief summary of covered services; however, please refer to the official plan documents for all covered services as well as exclusions. Again to review the list of participating primary care physicians – please visit the Multiplan website below and click on the find a provider link. The plan comes with a medical ID Card that should be presented to your medical provider at the time of service. https://www.multiplan.com/ . For a complete plan summary, please go to: http://topguardsecurity.benaware.com/

Reliance Standard Essential PlanThis MEC Plan covers 100% of the government’s listed

Preventive and Wellness Benefits when you visit a network provider . Offered by Top Guard Security, this coverage is made available to you to satisfy your individual mandate requirement under the new ACA law. MEC provides first dollar coverage for preventive and wellness benefits ONLY -with access to one of the largest national preferred provider organization networks (PPO) available. The plan comes with a medical ID Card that should be presented to your medical provider at the time of your preventive screening. The MEC Plan is a very affordable option that covers the 63 preventive services at 100% that are required under the government list of Preventive and Wellness Benefits. To review the list of participating primary care physicians –please visit the Multiplan website below and click on the find a provider link. https://www.multiplan.com/. For a complete plan summary and listed exclusions and non-covered services, please go to: http://topguardsecurity.benaware.com/

Mandatory Open Enrollment

The Reliance Standard Essential Plan satisfies the ACA individual mandate required under the new healthcare law. The company will pay 50% of the single employee premium making your cost $110.88 per year, much less than the $695 tax penalty!

IMPORTANT – ACTION REQUIREDAs an employee of Top Guard Security, you are required to attend an open enrollment meeting and enroll or waive participation in each benefit plan. Open Enrollment will be held from: 11/28/16 –12/17/16. We will be tracking participation and are requiring 100 % compliance of each employee.For more information , please visit: http://topguardsecurity.benaware.com/

Mandatory Open Enrollment

ACCIDENT INSURANCE Depending of level of coverage employee selects –

benefit can pay up to $750 for ER visits, $1,500 upon initial hospital confinement, $300 for ambulance service, $40,000 - $60,000 for accidental death and many other accident related benefits

Plans can pay up to $75 for any doctor visit outside of a hospital

24 hour coverage Employee, employee/spouse, employee/child(ren) and

family coverage available This benefit is fully portable

CANCER INSURANCE Plan covers cancer, muscular dystrophy, multiple

sclerosis and eighteen other specific diseases Plan pays $100 annually for specific wellness tests,

such as Pap smear, chest x-ray, colonoscopy, prostate exam, etc.

Individual and Family coverage available

CRITICAL ILLNESS INSURANCE Employees can choose $10,000 or $20,000 benefit Plan pays a lump sum benefit when diagnosed with a heart

attack, stroke, paralysis, major organ transplant, end stage renal failure, cancer, advance Parkinson’s or Alzheimer’s disease, benign brain tumor, coma, complete blindness or loss of hearing

Employee, employee/spouse, employee/child(ren), and family coverage available

This benefit is fully portable

UNIVERSAL LIFE INSURANCE Permanent life insurance, that builds cash value Choose level of coverage to protect your family’s financial

security Spouse and child(ren) coverage available This benefit is fully portable

Mandatory Open Enrollment

Voluntary Supplemental Health Products

As an employee of Top Guard Security, you are required to attend an open

enrollment meeting and enroll or waive participation in each

benefit plan.

Open Enrollment will be held from: 11/28/16 –

12/17/16. We will be tracking participation and are requiring 100 %

compliance of each employee.For more information , please visit:

http://topguardsecurity.benaware.com/

WebDoc247 makes it simple to consult with a nurse for basic information or medical advice, and a licensed board certified physician to obtain a prescription when necessary. This voluntary benefit plan is available to you and your family members in order to consult with a licensed doctor or nurse at no cost.

Members also benefit from the free discount prescription card which offers savings of up to 70% on generic and name brand drugs. Currently accepted at over 65,000 pharmacies nation-wide.

For a low monthly premium, this allows you to reduce healthcare costs, out-of-pocket expenses, travel & time wasted waiting for appointments. This plan can be used in conjunction with other medical plans.

WebDoc247 can be used to treat many common conditions including:

•Allergies•Asthma•Bronchitis•Cold and Flu•Diabetes•Ear infections•Headache•Nausea•Pink Eye•Stomach Viruses•And more

United Concordia will continue to be our dental carrier for the 2016 plan year. At a low monthly cost, employees and their dependents can elect dental coverage. After meeting a minimal deductible, insurance covers 100% of in-network preventive and diagnostic care, 80% of basic dental services like simple extractions, repairs of crowns, etc.; and 50% of major services such

as prosthetic and complex restorative care.

Legal Resources provides 100% coverage for you, your spouse, and dependents on the most often needed legal services, protecting you and your family from the high cost of legal fees. Attorneys fees are 100% covered on the following services:

•Wills and Estate Matters•Real Estate Matters•Traffic Violations•Identify Theft Assistance•Preparation and Review of Routine Legal Documents•Criminal, Elder, and Family Law Matters•Consumer Relations and Credit Protection

Mandatory Open Enrollment

As an employee of Top Guard Security, you receive special membership rates at OneLife Fitness. For additional details, please call (757) 424-1600. Each membership includes:

•2 personalized training sessions•Health age assessment•Sports medicine evaluation•dotFIT nutrition program•Unlimited classes - abs, kickboxing, bodypump, and yoga•Travel benefits with over 3,400 IHRSA passport facilities

IMPORTANT – ACTION REQUIREDAs an employee of Top Guard Security,

you are required to attend an openenrollment meeting and

enroll or waive participation in each benefit plan.

Open Enrollment will be held from: 11/28/16 –

12/17/16. We will be tracking participation and are requiring 100

% compliance of each employeeFor more information, please visit: http://topguardsecurity.benaware.co

m/

Mandatory Open Enrollment

During open enrollment, you and your dependents may enroll in the available benefit plans. After this open enrollment period is completed, IRS regulations prevent you from changing your benefit elections or adding/deleting dependents until next years’ open enrollment, unless you have a mid‐year change in status event or a special enrollment event.

Employee Employee

Employee + Spouse Employee + Spouse

Employee + Child Employee + Child

Employee + Children Employee + Children

Family Family

Employee

Employee + Spouse

Employee + Child

Employee + Children

Family

Employee Employee

Employee + Spouse Employee + Spouse

Employee + Child(ren) Employee + Child(ren)

Family Family

Employee Employee

Employee + Spouse Employee + Spouse

Employee + Child(ren) Employee + Child(ren)

Family Family

Ages 18-35 36-50 51-60 61-63 64+ Ages 18-35 36-50 51-60 61-63 64+

Employee $1.65 $4.35 $9.50 $15.80 $25.30 Employee $2.60 $7.40 $16.25 $25.00 $40.20

Employee + Spouse $2.23 $6.28 $14.00 $23.45 $37.70 Employee + Spouse $3.65 $10.85 $24.13 $37.25 $60.05

Employee + Child(ren) $1.65 $4.35 $9.50 $15.80 $25.30 Employee + Child(ren) $2.60 $7.40 $16.25 $25.00 $40.20

Family $2.23 $6.28 $14.00 $23.45 $37.70 Family $3.65 $10.85 $24.13 $37.25 $60.05

Ages 18-35 36-50 51-60 61-63 64+ Ages 18-35 36-50 51-60 61-63 64+

Employee $2.80 $8.21 $18.50 $31.10 $50.10 Employee $4.70 $14.31 $32.00 $49.51 $79.90

Employee + Spouse $3.96 $12.06 $27.50 $46.40 $74.90 Employee + Spouse $6.80 $21.21 $47.75 $74.01 $119.60

Employee + Child(ren) $2.81 $8.21 $18.50 $31.10 $50.10 Employee + Child(ren) $4.70 $14.31 $32.00 $49.51 $79.90

Family $3.96 $12.06 $27.50 $46.40 $74.90 Family $6.80 $21.21 $47.75 $74.01 $119.60

Single

Family

Single

Employee

Employee + Spouse

Employee + Child(ren)

Family

Family

Reliance Short-Term Disability Rate

$7.58

$23.74 $92.54

$80.25

WebDoc Rates

Allstate Cancer Insurance - High Plan

Allstate Group Critical Illness - Low Plan

(Tobacco)

$31.73

$12.18

$19.03

$17.05

$23.89

$7.81

$12.45

$10.73

United Concordia Dental Rates

Legal Resources Rates

Reliance Medical - Essential Plan

Allstate Cancer Insurance - Low Plan

Allstate Accident Insurance - Low Plan

Allstate Group Critical Illness - High Plan

(Non-Tobacco)

$9.95

$14.95

$17.59

$34.65

$33.20

$54.88

Reliance Medical - Basic Advantage Total Plan #2

$53.50

$112.88

Allstate Group Critical Illness - Low Plan

(Non-Tobacco)

$15.36

$23.61

$25.84

Allstate Accident Insurance - High Plan

Reliance Medical - Basic Advantage Total Plan #1

$179.75

Employee Rates Per Pay Period

$135.35

$10.00

Allstate Universal Life Insurance - Rates Available atwww.benawareoinfo.com/tg

Allstate Group Critical Illness - High Plan

(Tobacco)

$4.62

$9.16

$13.72

$28.29

$9.00

$16.93

$18.42

$22.45

$36.57

$77.18

$54.86

$122.89

$12.34