2019 BENEFITS OVERVIEW...Note: Domestic partner includes both same- and opposite-sex domestic partners. The total value of your domestic partner’s benefit is imputed income. Changing

2019 Overview of Employee Benefits Program B

BENEFITS OVERVIEW2019

2 2019 Overview of Employee Benefits Program

Benefit Description Who Pays for The Benefit

For More Information

Medical (includes prescription drug coverage)

• Medical plan administered by Cigna• Prescription drug plan administered by CVS/caremark• Two choices: – Health Savings Account Plan – Traditional Plan

You and Ecolab Page 7

Health Savings Account (HSA)

• Available with the Health Savings Account Plan• Administered by Cigna and HSA Bank

You and Ecolab Page 12

Be Well • Wellness program Ecolab Page 21

Dental • Dental plan administered by MetLife You and Ecolab Page 22

Vision • Vision plan administered by VSP You Page 23

Flexible Spending Accounts (FSAs)

• Health Care FSA • Limited Purpose Health Care FSA• Dependent Day Care FSA

You Page 25

Life Insurance • Basic Life Insurance (1x pay)• Optional Employee Life Insurance• Spouse or Domestic Partner/Child(ren) Life Insurance

EcolabYou You

Page 28

Business Travel Accident Insurance

Coverage when traveling for Ecolab business Ecolab Page 28

Accidental Death & Dismemberment (AD&D)

Optional coverage for you only You Page 28

Disability • Short-Term Disability (STD) administered by Lincoln Financial• Long-Term Disability (LTD) administered by Lincoln Financial - 60% - 10% optional

Ecolab Ecolab You

Page 30

Employee Stock Purchase Plan

• You purchase Ecolab stock• Ecolab matches

You Ecolab

Page 31

Group Legal Services Legal services plan administered by Hyatt Legal Plans You Page 32

Employee Assistance Program (EAP)

Confidential counseling and referral services to help resolve work/life issues Ecolab Page 32

Voluntary Benefits • Accident Insurance • Critical Illness Insurance• Hospital Indemnity Insurance• Auto and Homeowners Insurance• Pet Insurance • Identity Theft Protection

You Page 32

Retirement Benefits • Ecolab 401(k) Savings Plan• Ecolab Pension Plan• Other Retiree Benefits

You and EcolabEcolab You and Ecolab

Page 33

Educational Assistance Program

Support for your continuing education Ecolab Page 34

SPIRE Credit Union Membership and offers of competitive loan rates and fees You Page 34

Ecolab Benefits at a Glance

2019 Overview of Employee Benefits Program 3

At Ecolab, we recognize that the positive impact we make in the world is possible because of employees like you. We are committed to supporting you throughout your career journey with Ecolab. Part of that support is your benefits package, which we are pleased to offer you and your family.

We offer a broad range of quality programs that are comprehensive and competitive in the marketplace, and cost-effective for both you and Ecolab.

Take time to thoroughly review and understand the benefits that are available to you. Make sure you understand your options so you can make the most of the benefits and choose the ones that are right for you and your family. Share this guide with your family, and don’t forget to use the other resources available to you.

• Visit the My Benefits website at mybenefits.us.ecolab.com to:

– View the online benefits meeting presentation.

– Use the online modeling tool to help you compare the medical plans.

• Call Cigna at 1.800.401.4041 with questions about the medical plans or to find out if your doctor is in the Cigna network.

• Call the Ecolab Benefits Center at 1.800.964.0265 with enrollment questions.

As a new employee, you must complete your benefits

enrollment within 31 days of your date of hire. Benefits and payroll deductions are then retroactive to your hire date, with the exception of the Health Savings Account (HSA), Flexible Spending Accounts (FSAs) and the Employee Stock Purchase Plan (ESPP), which are effective on a go-forward basis.

Welcome to Ecolab

In addition to plan details, inside this guide you can also find:How to Enroll 4

Who Is Eligible for Benefits 5

Tools and Resources 20

Service Provider Contact Information 35


Ecolab offers two ways to enroll in your benefits, online and via phone. You have 31 days from your date of hire to enroll in Ecolab benefits.

Enroll OnlineThe My Benefits website is available 24 hours a day, seven days a week. You can log in from any device with internet access. Follow the instructions below to set up your user ID and password and then take advantage of the tools available to help you make your decisions.

FIRST-TIME USER REGISTRATION

1. Go to mybenefits.us.ecolab.com and click “Are You a New User?”

2. Answer the questions and set up your user ID and password.

3. Click on the “2019 Health and Insurance” box.

4. Click on “Enroll Now.”

5. Print a confirmation to keep for your records.

Enroll by PhoneIf you don’t have access to the internet or need further assistance, you can call to enroll. Simply call the Ecolab Benefits Center toll-free at 1.800.964.0265 and speak with a representative available Monday through Friday, between 8 a.m. and 8 p.m. Eastern Standard Time.

To make sure you have the coverage you need, it is important that you take an active role in understanding and reviewing your benefit options.

You may select coverage for:

• Employee Only

• Employee + Spouse/Domestic Partner

• Employee + Child(ren)

• Family

Note: Domestic partner includes both same- and opposite-sex domestic partners. The total value of your domestic partner’s benefit is imputed income.

Changing Coverage During the YearThe IRS tax rules that allow you to take advantage of pre-tax benefits also may limit when and whether you can make changes in your coverage. For example, you may not change your benefits during the year unless you experience a qualifying life event (a birth, divorce, marriage, etc.) that allows you to make a change. You may initiate a qualifying life event at mybenefits.us.ecolab.com within 31 days of the event.

All changes to coverage are effective on the date of the event with the exception of changes to your Flexible Spending Accounts (FSAs). Changes to FSAs are effective on the date of your first payroll deduction that reflects the change. If you do not initiate changes within 31 days of the event, you cannot make a change to your benefits coverage until the next open enrollment period. Supporting documentation (e.g., birth certificate, marriage certificate or divorce decree) is required to process a qualifying life event.

Note: Changes to your Health Savings Account or Employee Stock Purchase Plan can be made at any time. These changes are effective on the date of your first payroll deduction that reflects the change.

How to Enroll

If you do not enroll within 31 days of your date of hire, you will default to NO COVERAGE in 2019 for medical, prescription drugs, dental, vision, FSAs (Flexible Spending Accounts), Optional Life and AD&D Insurance, Optional Long-Term Disability Insurance and Group Legal Services. See below for information about changing coverage during the year.


EMPLOYEE ELIGIBILITY

You are eligible to participate in most Ecolab benefit plans if you are a regular full-time or part-time employee scheduled to work at least 20 hours per week. Temporary employees, such as co-ops and interns, contract employees, agency temporary employees and independent contractors are not eligible for benefits through Ecolab. You can enroll yourself and your eligible dependents for coverage under Ecolab benefits.

You must participate in the plan yourself to enroll your eligible dependents.

ELIGIBLE FAMILY MEMBERS

When you enroll in medical, prescription drug, dental, vision and optional dependent life coverages:

• Your spouse through marriage recognized as valid under U.S. federal or state law

• Your same- or opposite-sex domestic partner

• Your dependent child who has one of the following relationships to you or to your spouse or same- or opposite-sex domestic partner:

– Biological child;

– Legally adopted child;

– Child placed for legal adoption;

– Foster child; or

– Legal ward (child for whom you or your spouse or same- or opposite-sex domestic partner are legal guardian);

AND

– Is either under age 26 or is eligible for Extended Disabled Dependent Coverage

DEPENDENT CHILD(REN) COVERAGE, LIMITING AGE

For medical, prescription drug, dental, vision, child life insurance and the Employee Assistance Program, dependent child(ren) are eligible to age 26.

EXTENDED DISABLED DEPENDENT COVERAGE

To be eligible for Extended Disabled Dependent Coverage, a child must:

• Have proof of eligibility for Extended Disabled Dependent Coverage;

• Not be self-supporting due to physical, mental or intellectual disability.

For coverage to be continued beyond the maximum age referenced above, when requested, a Verification of Handicapped/Disabled Dependent Eligibility Form must be completed and submitted to each benefit plan administrator for approval.

Who Is Eligible for Benefits

Questions?If you have questions about your benefits, visit the My Benefits website at mybenefits.us.ecolab.com or call an Ecolab Benefits Center Representative toll-free at 1.800.964.0265.

As a new employee, you must complete your benefits enrollment within 31 days of your date of hire.

If you do not enroll, you will not have benefits coverage in the majority of Ecolab benefits for 2019.

Note: The effective date of coverage will be retroactive to your date of hire. Retroactive deductions will be deducted in the amount of one regular plus one extra deduction on your paychecks following the completion of your enrollment until the retroactive balance has been satisfied.


SAME-SEX OR OPPOSITE-SEX DOMESTIC PARTNER

Even if they are not a spouse or a legal dependent, your same-sex or opposite-sex domestic partner may be enrolled in medical, prescription drug, dental, vision and/or spouse/domestic partner life insurance if you and your partner meet all of the following criteria:

• Are 18 years of age or older and competent to enter into a contract, not legally married to nor the domestic partner of anyone else and not related to you by blood closer than permitted by marriage law in your state of residence.

• Have an ongoing and committed spouse-like relationship and intend to do so indefinitely.

• Share a principal residence for at least six (6) months and intend to do so indefinitely.

• Are jointly responsible for the direction and financial management of your household and take joint responsibility for each other’s financial obligations.

• Complete the affidavit you will receive in the mail after you enroll your domestic partner online. You must respond to this request within 30 days in order for your domestic partner’s coverage to continue. You may enroll your same-sex or opposite-sex domestic partner’s children if they meet all of the requirements for a dependent child listed on the previous page.

ELIGIBILITY REQUIREMENTS

If you enroll a spouse/domestic partner and/or a dependent, you’ll be required to provide documentation confirming that the dependent(s) meet Ecolab’s eligibility requirements. You’ll receive a request for documentation following your enrollment. You must comply with this request in order for your dependents to continue to be covered. Examples of documentation include:

• Marriage certificate

• Domestic partner affidavit

• Federal tax returns

• Birth certificate for biological children showing you as parent

• Court papers for adopted children or children placed for adoption, legal guardianship or custodianship


Medical PlansEcolab offers two medical plan choices: the Health Savings Account Plan and the Traditional Plan. Both plans offer:

• Access to a national network of high-quality providers through Cigna.

• Prescription drug coverage through CVS/caremark.

• Freedom to see the health care provider of your choice with no referral.

• 100% coverage for preventive care received in-network (no deductible applies).

Ecolab’s two medical plan options offer:

• Financial protection for your health.

• Choices to manage your level of coverage and costs.

• The opportunity to save for future health care expenses.

• Wellness programs designed to help you be well.

Important Terms to Know PremiumsThe amount automatically deducted, based on your election, from your paycheck pre-tax to enroll you in a medical plan through Ecolab.

DeductibleThe amount you must pay per year for non-preventive care received before the plan will pay benefits. You are responsible for the full cost of all non-preventive care until your total costs exceed your deductible.

CoinsuranceThe amount you share with the plan to pay for non-preventive care received, up to the annual out-of-pocket maximum. After you meet your deductible, the plan will pay a portion (80% in-network) of the cost of care received and you are responsible for the remaining cost (20% in-network).

Out-of-Pocket MaximumThe most you will pay out of your pocket for non-preventive care (not including premiums deducted from your paycheck) during the year. If your costs for care exceed the out-of-pocket maximum, the plan will pay the full cost of your care for the rest of the year.

CopaymentA flat dollar amount you pay for generic prescription drugs under the Traditional Plan and under the Health Savings Account Plan (once you meet the medical plan deductible). Emergency room visits also have a copayment unless you are admitted to the hospital, then the copayment is waived.

Preventive CareRoutine health care services to maintain your health and prevent disease, including services such as annual physical exams, well-woman exams, well-child exams and certain immunizations.


The Health Savings Account Plan covers in-network preventive care at 100%, so these services are not subject to the deductible or coinsurance. Under the Health Savings Account Plan, you will pay less in premiums and have a higher deductible and out-of-pocket maximum (for non-preventive care) than you would under the Traditional Plan.

HOW THE HEALTH SAVINGS ACCOUNT PLAN WORKS

1 All in-network preventive care is covered at 100%. No deductible or coinsurance is required. Out-of-network preventive care is not covered by the plan.

2 You pay the full cost of all non-preventive care (including most prescription drugs) until you reach your deductible.

3 After you meet your deductible, the plan shares the cost of your non-preventive care (including prescription drugs) through coinsurance up to the annual out-of-pocket maximum. Prescription drugs may also be subject to minimum and maximum copayments.

4 Once a covered member meets the “individual” out-of-pocket maximum, that member’s eligible in-network expenses are covered at 100% for the rest of the year.

OR

After any combination of covered family members meets the “family” out-of-pocket maximum, the plan pays 100% of eligible in-network expenses for all family members for the rest of the year.

Under the Health Savings Account Plan, prescription drugs are subject to the same deductible and out-of-pocket maximum as medical services. Certain preventive drugs are covered at 100% with no coinsurance or copayments. See page 16 for more details about prescription drug coverage, or call CVS/caremark at 1.866.490.0021.

If you enroll in the Health Savings Account Plan, in general, you cannot be covered by any other medical plan or you will not be eligible to contribute to an HSA (including Ecolab HSA contributions). This includes Medicare, a spouse’s medical plan or a Health Care Flexible Spending Account (not including a Limited Purpose Health Care FSA). See page 12 for more details about the HSA.

Plan Highlights• In-network deductible:

– Employee Only: $1,500

– All other coverage tiers: $3,000

• In-network coinsurance (after deductible): plan pays 80%; you pay 20%

• In-network out-of-pocket maximum (includes deductible and coinsurance): $4,000 per covered member or “individual” (up to $8,000 per “family”)

• The plan offers a Health Savings Account (HSA), to which Ecolab contributes based on your annual pay and medical coverage tier. You can also choose to contribute. See page 12 for more details.

Health Savings Account Plan


Plan Highlights• In-network deductible: $750

per covered member or “individual” (up to $2,250 per “family”)

• In-network coinsurance (after deductible): plan pays 80%; you pay 20%

• In-network out-of-pocket maximum (includes deductible and coinsurance for medical): $2,250 per covered member or “individual” (up to $6,750 per “family”)

The Traditional Plan covers in-network preventive care at 100%, so these services are not subject to the deductible or coinsurance. You will pay more in premiums for this plan, but the plan has a lower annual deductible and out-of-pocket maximum (for non-preventive care) than the Health Savings Account Plan.

HOW THE TRADITIONAL PLAN WORKS

1 All in-network preventive care is covered at 100%. No deductible or coinsurance is required. Out-of-network preventive care is not covered by the plan.

2 You pay the full cost of all non-preventive care (not including prescription drugs) until you reach the individual deductible.

3 Once a covered member meets the “individual” deductible, the plan shares the cost of their non-preventive care (not including prescription drugs) through coinsurance.

OR

After any combination of covered family members meets the “family” deductible, the plan shares the cost of all covered family members’ non-preventive care (not including prescription drugs) through coinsurance.

4 Once a covered member meets the “individual” out-of-pocket maximum, the plan pays 100% of covered expenses (not including prescription drugs) for the individual for the rest of the year.

OR

After any combination of covered family members meets the “family” out-of-pocket maximum, the plan pays 100% of covered expenses (not including prescription drugs) for all family members for the rest of the year.

Under the Traditional Plan, prescription drugs are not subject to the deductible. Prescription drugs have a separate out-of-pocket maximum — once your prescription drug expenses reach $1,600 Employee Only/$3,200 for other coverage tiers, the plan will pay eligible prescription drug expenses at 100% for the remainder of the year. Note that certain preventive prescription drugs are covered at 100% with no coinsurance or copayments. See page 16 for more details about prescription drug coverage.

Traditional Plan


MEDICAL COVERAGE ADMINISTERED BY CIGNA

Health Savings Account Plan Traditional Plan

Plan Features In-Network Out-of-Network1 In-Network Out-of-Network1

Preventive Care Plan pays 100% No coverage Plan pays 100% No coverage

Deductible $1,500 Employee Only/$3,000 all other coverage tiers

$3,000 Employee Only/$6,000 all other coverage tiers

$750 per covered member, up to $2,250 family maximum

$1,500 per covered member, up to $4,500 family maximum

Coinsurance for Non-Preventive Medical Care (i.e., primary care and specialist office visits, urgent care, hospital services, etc.)

Plan pays 80%/ employee pays 20% (after deductible)




Out-of-Pocket Maximum (includes deductible)





Ecolab HSA Contribution 2017 Annual Pay2

Group 1: Less than $60,000

Group 2: $60,000 – $120,000

Group 3: More than $120,000

Employee Only

$1,000

$350

$0

All Other Coverage Tiers

$2,000

$700

$0

N/A

1 If you receive services from an out-of-network provider, the plans will only cover 150% of a fee schedule developed by Cigna that is based on a methodology similar to one used by Medicare to determine the allowable fee for the same or similar service in a geographic area. You will be responsible for any fees in excess of what is considered 150% of the fee schedule. Charges in excess of the fee schedule do not apply toward your deductible or out-of-pocket maximum.

2 Your base salary or base rate of pay when you are hired is annualized to determine your annual pay used for the Ecolab HSA contributions.

How the Medical Plans Compare

All services, except in-network preventive care, are subject to the annual deductible and coinsurance. There are two steps:

1. You pay the cost of non-preventive care services until you meet the deductible.

2. After the annual deductible is met, the plan pays a portion of the cost and you pay the remaining cost (coinsurance).

If you reach the annual out-of-pocket maximum, the plan covers your eligible medical expenses at 100% for the remainder of the calendar year. The annual deductible counts toward the out-of-pocket maximum.

How Free In-Network Preventive Care WorksIf you go in for preventive care, make sure you tell your doctor to code it as preventive. If your doctor makes a diagnosis during a preventive care exam, it will no longer be considered preventive care, and your deductible and coinsurance will apply.

Preferred Lab PricingIf you use an independent lab, such as a LabCorp or Quest facility, for your lab work, you will receive even better pricing than if you use other in-network labs. Ask your doctor to send your lab work to a LabCorp or Quest facility.


Understanding the DeductibleThe deductible is important under both medical plans. There are some differences in how the deductibles work under each plan.

Health Savings Account Plan Deductible

Traditional Plan Deductible

• If you have Employee Only coverage, the plan begins paying benefits once you meet the Employee Only deductible.

• For all other coverage tiers, the full Family deductible must be met before the plan begins paying benefits for any individual covered family member.

• The cost of prescription drugs is subject to the deductible (excluding certain preventive drugs paid at 100% before the deductible) and applies toward the deductible.

• You pay the discounted cost of prescription drugs until you have met your deductible, then you pay a copayment or coinsurance with minimum and maximum copayments.

• The plan begins paying benefits for each covered family member when he or she meets the “individual” deductible.

OR

• The plan begins paying benefits for all covered members when any combination of covered members meets the “family” deductible.

• The cost of prescription drugs does not apply toward the deductible and out-of-pocket maximum. A separate out-of-pocket maximum applies to prescription drugs.

Medical PremiumsYou pay employee premiums out of each paycheck. The premiums shown in the chart below are monthly and will be spread over your paychecks received during the month.

2019 MONTHLY PRE-TAX MEDICAL PREMIUMS

Coverage Tiers


Employee Only $151 $213

Employee + Spouse/ Domestic Partner

$280 $395

Employee + Child(ren) $240 $363

Family $391 $562

Note: Your domestic partner and your domestic partner’s children may be eligible for coverage under Ecolab benefits. (See page 5.) Domestic partner includes both same- and opposite-sex domestic partners. The total value of your domestic partner’s benefit is imputed income.


Understanding the Health Savings Account (HSA)

The HSA is a feature of the Health Savings Account Plan to help you save and pay for qualified health care expenses for this year and future years.

KEY ADVANTAGES OF AN HSA

• You can use it to pay for current or future qualified out-of-pocket health care expenses for yourself and your qualified dependents.

• This is like a bank account and is not subject to the “use it or lose it” rule. Your funds remain in the account until you withdraw them.

• Because the account belongs to you, you take it with you if you change jobs, change your health plan, retire or change employment status without losing the money or the account.

• The money is yours to keep and spend on qualified health care expenses for yourself and your qualified dependents at any time.

• Your HSA contributions are tax-free, reducing your current taxable income. Your account may grow tax-free through investments. The money you withdraw from your HSA for qualified health care expenses is tax-free.*

* New Jersey and California tax all or some HSA contributions and/or earned interest may be taxed under current law.


Ecolab’s 2019 contribution to your HSA, if applicable, will be divided as follows (adding dependents to coverage may delay this timing due to the dependent verification process):

• Coverage effective January 1 – June 30: 50% deposited the month following enrollment, 50% deposited in July.

• Coverage effective July 1 – October 31: 50% deposited the month following enrollment, no additional contribution for 2019.

You must be employed by Ecolab on the date the contribution is made.

• Coverage effective November 1 – December 31: No Ecolab contribution for 2019.

Note: If you are covering dependents, in order to be eligible for the full employer HSA contribution, all dependent verification documents must be received and approved by December 15.

HSA contributions are not available to use until deposited into your account. This is a legal requirement of an HSA.

HSA CONTRIBUTION LIMITS

The maximum amount you can contribute to an HSA is $3,500 for Employee Only coverage and $7,000 for all other coverage tiers. Remember, these maximums include any amount Ecolab contributes to your HSA, as well as any other HSA contributions made through another employer’s plan during 2019 in your name.

2019 HSA CONTRIBUTIONS

Ecolab contributes…

Throughout 2019, you can contribute through payroll deduction…

Group 1: If your annual pay1 is less than $60,000

• $1,000 for Employee Only coverage

• $2,000 for all other coverage tiers

Group 2: If your annual pay1 is $60,000 – $120,000

• $350 for Employee Only coverage

• $700 for all other coverage tiers

Group 3: If your annual pay1 is more than $120,000, there is no Ecolab HSA Contribution.

Your total HSA contribution (both the contribution made by Ecolab and by you) can be:

• Up to $3,5002 for Employee Only

• Up to $7,0002 for Employee + Spouse/Domestic Partner coverage, Employee + Child(ren) or Family coverage

• An additional $1,0002 if you are age 55 or older anytime in 2019

1 Your base salary or base rate of pay when you are hired is annualized to determine your annual pay used for the Ecolab HSA contribution.

2 These amounts are set by the IRS and may change annually, and include both your and Ecolab's contributions.

After you enroll in the Health Savings Account Plan and open an HSA within 31 days of your hire date, contributions are as follows:


Without an HSA With an HSA

$100 $100

-$36 (taxes*) -$0 (taxes)

$64 to spend on your qualified

health care expenses

$100 to spend on your qualified

health care expenses

* Note: Example assumes 28% federal tax rate and Medicare and Social Security tax rate of 7.65%. Most states do not tax HSA contributions, making the savings even more. New Jersey and California may tax all or some HSA contributions and/or earned interest under current law.

In addition to tax savings, Ecolab may make pre-tax contributions to your HSA. (See page 13 for more details.)

HSA TAX SAVINGS

By using tax-free dollars in your HSA to pay for your eligible health care expenses, you save money. Here’s an example of how much $100 is worth after taxes and before taxes:

IMPORTANT INFORMATION TO REMEMBER

• With an HSA, the money can be used to cover out-of-pocket health care costs as long as it is available in your account.

• If you don’t use the account funds in a year, the money remains in your account to cover future health care expenses. The HSA gives you the option of paying out-of-pocket expenses for your medical care from your account, or you may choose to pay for out-of-pocket expenses using funds separate from your HSA, maintaining a higher HSA balance for future use.

• The HSA is administered by Cigna and HSA Bank. If you are enrolling in the Health Savings Account Plan, you must open an HSA with HSA Bank in order to receive any Ecolab HSA contributions. You will receive information on how to do this when you enroll. You will receive a welcome packet with a debit card and information about other ways to access your HSA. Your HSA balance will be available on the Cigna site.

• By contributing as much as possible to your HSA, you maximize your tax savings and can build up funds in your account to use in the future, including in retirement. Plus, the funds remaining in your account have the potential to grow with tax-free interest and investment returns. This makes your HSA a savings vehicle much like a 401(k) but specifically for health care. However, HSA funds have an additional advantage over 401(k) accounts because withdrawals to pay for qualified health care expenses are tax-free.

• If you are age 55 or older anytime in 2019, you may contribute an additional $1,000 annually beyond the IRS limits to your HSA.

• If you are enrolled in Medicare, you cannot contribute to an HSA.

• If you open an HSA after January 1, you should consult with your tax advisor to determine any tax implications.

• If you are not enrolled in the Health Savings Account Plan for the full year, you should consult with your tax advisor to determine any tax implications.

If you have questions about the HSA, call Cigna at 1.800.900.3791.

How to Open an HSA• Enroll in the Health Savings Account Medical

Plan either online at mybenefits.us.ecolab.com or by phone with the Ecolab Benefits Center at 1.800.964.0265.

• By enrolling in the Health Savings Account Plan, you accept the HSA terms and conditions to open the account. If you do not want to open the HSA, you must call the Ecolab Benefits Center at 1.800.964.0265 to decline the HSA.

• Look for your welcome kit in the mail, which will include your debit card.

• Respond to any correspondence you receive from HSA Bank requesting additional information.


HSA Frequently Asked Questions and AnswersWhat if I change medical plans and move to the Traditional Plan or my spouse’s or domestic partner’s plan next year?

Although any money in your HSA is yours to keep and use for eligible health care expenses, if you are no longer enrolled in a high-deductible health plan (as defined by the IRS), then you are no longer eligible to contribute future money to your HSA. You also lose eligibility for any Ecolab contributions to your HSA.

Do I need to submit my receipts for reimbursement from my HSA?

No, you do not need to submit your receipts for reimbursement, but you are responsible for knowing whether or not the service is “qualified” for reimbursement. It’s also recommended that you keep your receipts in case the IRS requests them if you’re audited.

How can I check my HSA balance?

You can check your balance online at any time at www.mycigna.com or by using the MyCigna mobile app.

Can I withdraw the funds in my HSA for non-qualified expenses?

The HSA is intended to help pay for your qualified health care expenses today or save for qualified health care expenses in the future. You may make withdrawals for non-qualified expenses; however, you will incur a penalty. Plus, the amount you withdraw is considered taxable income. Non-qualified expenses made before age 65 incur a penalty of 20% of the withdrawn amount.

Can I pay my dependent’s qualified health care expenses from my HSA funds?

Dependents are eligible to have their expenses covered by the HSA if they qualify as an eligible federal tax dependent. They do not need to be enrolled in a high-deductible health plan, as defined by the IRS (like Ecolab’s Health Savings Account Plan), for their qualified health care expenses to be eligible for payment with HSA funds.

A HEALTH SAVINGS ACCOUNT (HSA) IS NOT A FLEXIBLE SPENDING ACCOUNT (FSA)

An HSA and FSA have some important differences. An important rule to note is that if you are in the Health Savings Account Plan, you cannot contribute to a traditional Health Care FSA. However, you do have an FSA option called the Limited Purpose Health Care FSA, which can be used for eligible dental and vision expenses. If you have contributed to a Traditional Health Care FSA, you cannot contribute to an HSA in the same plan year. See page 25 for more information about the Limited Purpose Health Care FSA.


PRESCRIPTION DRUG COVERAGE PROVIDED BY CVS/CAREMARK

Prescription Drug CoveragePrescription drug benefits are included in both of Ecolab’s medical plan options (no need to enroll separately). Your cost for prescription drugs will depend on what type of prescription you need: generic, formulary brand, nonformulary brand or lifestyle management. The table below shows what your out-of-pocket cost will be for retail and mail order.

Note: In the Health Savings Account Plan, except for some preventive drugs that are paid in full before the deductible, you must meet the medical plan deductible before the cost sharing below applies.

RETAIL (up to 30-day supply)


Generic After you meet the deductible and a $10 copayment, Plan pays 100%

Plan pays 100% after you pay a $10 copayment

Formulary Brand (“preferred list” of drugs)

After you meet the deductible, Plan pays 70%/you pay 30% coinsurance

$30 minimum/$90 maximum per prescription paid by you

Plan pays 70%/you pay 30% coinsurance


Nonformulary Brand (not on “preferred list;” generic equivalent or preferred drugs available)





Lifestyle Management (such as weight loss, smoking cessation, erectile dysfunction drugs)

After you meet the deductible, Plan pays 50%/you pay 50%

Plan pays 50%/you pay 50%

A list of drugs included in the Formulary is available online at www.caremark.com or by calling 1.866.490.0021. Drugs are added to the list and removed from it throughout the year, which may impact your cost if your prescription is reclassified. Prescription drug costs are also subject to price changes from the manufacturer. If you have a question about the cost of a prescription drug, contact CVS/caremark at 1.866.490.0021.


MAIL ORDER OR CVS PHARMACY PURCHASE (up to 90-day supply)


After you meet the deductible and a $25 copayment, Plan pays 100%

Plan pays 100% after you pay a $25 copayment


$62.50 minimum/$225 maximum per prescription paid by you


$62.50 minimum/$225 maximum per prescription paid by you





After you meet the deductible, Plan pays 50%/you pay 50%

Plan pays 50%/you pay 50%

Under the Health Savings Account Plan: Under the Traditional Plan:

• Your prescription drug costs count toward your medical deductible AND out-of-pocket maximum.

• After you meet your medical out-of-pocket maximum, the plan will cover the full cost of your prescription drugs for the rest of the calendar year.

Example: If a non-preventive formulary drug costs $100, you are responsible for paying the full cost of the drug ($100) until you meet your deductible. You may use the money in your HSA to pay for prescription drugs. This $100 will count toward your annual deductible and out-of-pocket maximum.

• Your prescription drug costs do NOT count toward your medical deductible or out-of-pocket maximum.

• You will not pay more than $1,600 Employee Only/$3,200 for other coverage tiers annually for prescription drugs (once you’ve paid this amount, the plan will cover the cost of your prescription drugs for the rest of the calendar year).

Example: If you have Employee Only coverage, and a formulary drug costs $100, you pay $30 (30%). This $30 counts toward the $1,600 maximum you will pay for prescription drugs in a year. It does not count toward your medical deductible or medical out-of-pocket maximum.

Comparing How Prescription Drug Coverage Works Between Plans


How Your Prescription Drug Coverage Works MANAGING YOUR MEDICATIONS

Your prescription drug program through CVS/caremark includes a number of drug utilization management programs.

Step TherapyStep therapy is a specific type of prescription drug authorization that requires you to follow a series of steps before receiving coverage for certain drugs that treat ongoing medical conditions, such as blood pressure. These drugs will be reviewed to determine if alternative, cost-effective therapies have been tried before they will be covered. This ensures appropriate utilization of these medications.

Quantity LimitsThere are limits to the amounts of certain drugs that our plans will cover.

Prior AuthorizationThere are certain medications that require a closer review to support their benefit to the patient. Drugs selected to be included for prior authorizations have off-label (not approved by the FDA) uses or have the potential to be used inappropriately.

Prior authorization means that a review is performed on these medications to validate that they are medically necessary before these drugs will be covered. Because this information is not always available on the prescription, it may be necessary for CVS/caremark to contact your doctor before coverage can be approved under the plans.

Mandatory Mail Order or CVS Pharmacy (Maintenance Choice)If you regularly take a medication to manage or prevent a condition, you must use mail order to fill that prescription. Visit www.caremark.com for more information. As an alternative to mail order, you can fill your prescription at a local CVS pharmacy. You may purchase two refills of a long-term medication at a retail pharmacy. If you do not use the CVS/caremark Maintenance Choice program for the third refill, you will pay the full cost of the third refill when purchased at a retail pharmacy.

Factors Affecting Prescription CostsDrugs are added and removed from the formulary brand list throughout the year which may impact your cost if your prescription is reclassified. Prescription drug costs are also subject to price changes from the manufacturer. If you have a question about the cost of a prescription drug, contact CVS/caremark at 1.866.490.0021.

Generic Drugs — Same Quality and Performance at a Lower PriceAll FDA-approved generic drugs must be equivalent to the brand-name drug. Approved generics have met rigorous standards established by the FDA with respect to identity, strength, quality, purity and potency.

Generic drugs cost, on average, 80–85% less than their brand-name counterparts. Why? Because generic drug manufacturers don’t have costly clinical trials or advertising expenses the brand-name drug manufacturers add to their prices.

If you need a prescription, ask your doctor if there is a generic available.


You can use MDLIVE for these conditions:GENERAL HEALTH • Acne• Allergies• Bronchitis• Cold and flu• Fever• Gout• Headache• Infections• Joint aches and pains• Nausea and vomiting• Pink eye• Rashes• Sinus infection• Sore throat• Sunburn• Urinary tract infection

PEDIATRIC CARE • Cold and flu • Constipation • Ear infection• Fever• Nausea and vomiting• Pink eye

Around-the-Clock Telemedicine: MDLIVE®

MDLIVE telemedicine is a benefit offered as part of your Cigna medical plan, providing access to health care from the convenience of your home by phone or online in most states. It provides immediate, on-demand access to affordable, quality non-urgent care through a national network of licensed, board-certified U.S.-based doctors, including pediatricians.

MDLIVE is an alternative to using the emergency room or urgent care for minor illnesses. You can access MDLIVE by phone or by video conference with appointments available usually in less than an hour. It’s available in all states with the following differences. Idaho allows video conference only — telephone access is not available. Arkansas requires video for the initial appointment only.

Providers can send prescriptions directly to your pharmacy. And, with your permission, information is shared with your primary care provider following your MDLIVE visit. The cost of an MDLIVE appointment is $45 until you meet your deductible, then you pay 20% — or $9 — until you reach your out-of-pocket maximum.

HERE’S HOW IT WORKS:

BY PHONE

Step 1: Call toll-free Patient calls toll-free hotline at 1.888.726.3171, available 24/7/365, including holidays.

Step 2: Speak with a coordinator A consultation coordinator locates the next available doctor and prepares patient for the consultation.

Step 3: Speak with the doctor Once an available doctor is located, the system automatically calls and connects the doctor to the patient.

BY VIDEO

Step 1: Visit website or mobile app Patient visits the website at www.MDLIVEforCigna.com or mobile app MDLIVE, and logs in with username and password.

Step 2: Find a doctor System helps the patient search for a doctor by criteria, such as specialty, language, gender or location, or simply finds the next available doctor.

Step 3: See the doctor online Once an available doctor is located, the system automatically connects the doctor to the patient.


Estimate Health Care ExpensesKnowing how much you spend on health care can help you make informed choices. There is an easy-to-use tool available in the “Enroll Now” feature of the My Benefits website at mybenefits.us.ecolab.com. This tool allows you to compare your total costs — your medical premiums plus your out-of-pocket costs under both Ecolab medical plan options.

Keep Track of PrescriptionsGo to www.caremark.com to refill a prescription by mail service 24 hours a day, seven days a week. You can also go online to:

• Check medicine costs and benefit plan information;

• View prescription order status and history; and

• Find local in-network pharmacies near you.

OneGuide: Make the Most of Your Medical Plan ResourcesNavigating the health care system can be challenging. What if you only had to call one person when you needed something? And that person could handle just about anything in one simple call? With OneGuide, you do.

OneGuide offers a more robust level of customer service in addition to standard customer service representatives. They are highly trained professionals who are knowledgeable about the specifics of Ecolab‘s medical plans. Personal Guides are available 8 a.m. to 12 a.m., Monday through Friday (all time zones). Standard customer service representatives are available the rest of the time. Remember, Cigna is available 24/7!

Tools and Resources

Just look for Sara — she can provide benefits guidance. Start by clicking on “Get Your Own Estimate,” and proceed by entering your information. You’ll receive a comparison of how much you might spend under both Ecolab medical plan options so you can make an informed choice for 2019.


Ecolab Helps You Be WellEcolab’s health as a company starts with the health of our employees. The Be Well program is designed to encourage healthy behaviors in our employees and their families, providing tools and resources necessary to make informed decisions to reduce risk and improve all aspects of wellbeing — physical, financial and emotional health. Our goal in offering Be Well is to support and motivate as many employees as possible to make

healthy lifestyle decisions — to make wellbeing a top priority.

Ecolab is refreshing the Be Well program for 2019. At the time this guide went to print, the detailed program information was not available. Be Well communications will be provided to employees on an ongoing basis throughout 2019. Watch your email and home mailbox for information.

Cigna Oncology Support ProgramThe Cigna Oncology Support Program provides extra support and information to patients and families diagnosed with any type of cancer, including:

• Comprehensive and collaborative education to enable patients and caregivers to make an informed decision regarding treatment options;

• Routine symptom, disease status and functional assessments;

• Proactive care coordination, which includes inpatient management and discharge planning for all admissions, as well as care planning and post-therapy outreach;

• Hospice care coordination, which assists patients and families with advanced care planning and palliative care services; and

• Access and referral coordination, during which the oncologist and the oncology care coordinator are the primary contacts for the patient while in treatment, with 24/7 access to a practice-affiliated clinician.

For more information, call Cigna at 1.800.900.3791.


Dental PlanEcolab offers dental coverage to eligible employees and their dependents. The dental plan is administered by MetLife. The plan helps you pay for a wide range of dental expenses such as fillings and crowns at different benefit levels after the deductible is met.

With the dental plan, you may use any dentist, but if the dentist is not in the MetLife network, you will be responsible for any charges above what MetLife has agreed to pay.

DENTAL COVERAGE ADMINISTERED BY METLIFE

In- and Out-of-Network*

Annual Deductible Employee Only: $50 All other coverage tiers: $50 per person to a maximum of $150

Preventive 100% (no deductible), 2 exams per year

Diagnostic Exam 100% (no deductible), 1 exam per year

Basic 80% after deductible

Major 50% after deductible

Orthodontia • For children only

• 50% after deductible

• $2,000 lifetime maximum per child

Temporomandibular Joint Dysfunction (TMJ) Covered under medical plan

Oral Surgery Covered under medical plan

Annual Maximum Benefit (excluding orthodontia) $1,500 per person

* If you receive dental services from an out-of-network provider, the dental plan will only cover usual, customary and reasonable (UC&R) charges as determined by MetLife, and based on your geographic area. You will be responsible for any fees in excess of what is considered UC&R charges.

2019 MONTHLY PRE-TAX DENTAL PREMIUMS

Employee Only $20

Employee + Spouse/Domestic Partner $42

Employee + Child(ren) $46

Family $69

Note: Your domestic partner and your domestic partner’s children may be eligible for coverage under Ecolab benefits. (See page 5.) Domestic partner includes both same- and opposite-sex domestic partners. The total value of your domestic partner’s benefit is imputed income.

You pay employee premiums out of each paycheck. The premiums shown on the chart below are monthly and will be spread over your paychecks received during the month.

For more information or to find a dentist in the MetLife network, call 1.800.942.0854 or visit www.mybenefits.metlife.com.


YOUR COVERAGE WITH A VSP PROVIDER

Benefit Description Copay Frequency

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

Prescription Glasses $20 See Frame and Lenses

Frame • $180 allowance for a wide selection of frames

• $200 allowance for featured frame brands

• 20% savings on the amount over your allowance

• $100 Costco® frame allowance

Included in Prescription Glasses

Every 12 months

Lenses • Single vision, lined bifocal and lined trifocal lenses

• Polycarbonate lenses for dependent children

Included in Prescription Glasses

Every 12 months

Lens Enhancements • Progressive lenses

• Tints/photochromic adaptive lenses

• Average savings of 35–40% on other lens enhancements

$0$0

Every 12 months

Contacts (instead of glasses)

• $180 allowance for contacts; copay does not apply

• Contact lens exam (fitting and evaluation)

Up to $60 Every 12 months

Diabetic Eyecare Plus Program

• Services related to diabetic eye disease, glaucoma and age-related macular degeneration (AMD). Retinal screening for eligible members with diabetes. Limitations and coordination with medical coverage may apply. Ask your VSP doctor for details.

$20 As needed

Extra Savings Glasses and Sunglasses

• Extra $20 to spend on featured frame brands. Go to www.VSP.com/specialoffers for details.

• 30% savings on additional glasses and sunglasses, including lens enhancements, from the same VSP provider on the same day as your WellVision Exam. Or get 20% from any VSP provider within 12 months of your last WellVision Exam.

Retinal Screening

• No more than a $39 copay on routine retinal screening as an enhancement to a WellVision Exam

Laser Vision Correction

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

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

You have one vision plan option administered by Vision Service Plan (VSP). The vision plan helps you pay a portion of the cost of vision expenses, such as annual exams and eyeglasses (lenses and frames) or contacts. The highest benefits are paid when you use providers in the VSP Signature network. Here is an overview of how the plan works.

Vision Plan

2019 MONTHLY PRE-TAX VISION PREMIUMS

Employee Only $14.88

Employee + Spouse/Domestic Partner $21.34

Employee + Child(ren) $22.49

Family $36.06

Note: Your domestic partner and your domestic partner’s children may be eligible for coverage under Ecolab benefits. (See page 5.) The total value of your domestic partner’s benefit is imputed income.

You pay employee premiums out of each paycheck. The premiums shown on the chart below are monthly and will be spread over your paychecks received during the month.

Visit www.ecolab.vspforme.com or call 1.800.877.7195 for more details or to find out if your doctor is in the VSP Signature network.



Flexible spending accounts (FSAs) can help you save money on eligible out-of-pocket medical, prescription drug, dental, vision and dependent care expenses. You must enroll in these accounts each year during the open enrollment period. Through the My Benefits website, you have access to Your Spending AccountTM (YSA) throughout the year.

You may elect to participate in the following accounts:

• Health Care FSA — Can be used to pay for eligible health care expenses not covered by your medical, prescription drug, dental and vision plans (e.g., copayments, deductibles, eyeglasses, hearing aids and contacts). You may contribute up to $2,650 pre-tax per year to this account. Over-the-counter medications are not reimbursable unless prescribed by a physician. Note: You do not need to be enrolled in an Ecolab medical plan to be eligible to participate in this FSA. However, employees who enroll in the Health Savings Account Plan cannot participate in the Health Care FSA.

• Limited Purpose Health Care FSA — Available only to employees enrolled in the Health Savings Account Plan. Money in the account can be used to pay for qualifying dental and vision expenses only. This account is subject to the same annual limit ($2,650 in 2019) and provides the same tax advantages as the Health Care FSA described at left.

• Dependent Day Care FSA — Use this account to pay for eligible dependent day care expenses for a child (e.g., child care for children up to the age of 13) or an elderly parent. You may contribute up to $5,000 pre-tax per year (per household) to this account. Any current Dependent Day Care FSA contributions must be spent by December 31, 2018.

Flexible Spending Accounts

MAXIMUM 2019 FSA CONTRIBUTION LIMITS

Health Care FSA (Traditional Plan)

$2,650

Limited Purpose Health Care FSA (Health Savings Account Plan)

$2,650

Dependent Day Care FSA $5,000


How Flexible Spending Accounts (FSAs) Work You contribute pre-tax dollars through payroll deduction to these accounts during the year, and then draw money out to reimburse yourself for eligible expenses as you incur them. You never pay taxes on the money you contribute to an FSA.

HEALTH CARE FSAs ALLOW A $500 ROLLOVER

Federal guidelines allow employees to roll over up to $500 in unused Health Care FSA funds. All claims for expenses incurred in 2019 must be submitted for reimbursement by March 31, 2020. Any remaining balance in your 2019 FSA above $500 will be forfeited after the deadline.

Note: Dependent Day Care FSAs are not eligible for any rollovers. In other words, if you do not file claims for reimbursement of 2019 incurred expenses by the deadline, the unused funds in the Dependant Day Care FSA will be forfeited.

Through the My Benefits website, you have access to YSA, the administrator for your FSAs. You have a number of resources available to you to make participation in these accounts easy, including useful information and innovative support tools to help you manage your account(s). You can use the website to submit claims, review claim status, learn about eligible expenses and check your current account balance(s).

The Debit Card Following your enrollment in the Health Care FSA or Limited Purpose Health Care FSA, you will receive a Mastercard® debit card and activation instructions. Your debit card will be “loaded” with the amount you elect to contribute to your Health Care or Limited Purpose FSA. The card works like a debit card, providing you with a convenient way to electronically access the pre-tax contributions in your account and pay providers for eligible health care expenses.

The card is accepted at most eligible health care providers, including doctor and dentist offices, pharmacies, hospitals and vision care locations. If a provider does not accept the card, you can submit a paper claim for reimbursement. Claim forms and online features to track processed and paid claims can be found by clicking on the Flexible Spending Account tile — Access and Manage Your Flexible Spending Accounts — at mybenefits.us.ecolab.com. Always save your receipts, even though you may pay with the debit card, because you may be asked later to verify eligible expenses.

Remember, if you have a Limited Purpose Health Care FSA you can only use the money in the account to pay for out-of-pocket dental and vision expenses.

An FSA Is Not an HSAAn HSA and FSA have some important differences. An important rule to note is that if you are in the Health Savings Account Plan, you cannot contribute to a traditional Health Care FSA. However, you do have an FSA option called the Limited Purpose Health Care FSA, which can be used for eligible dental and vision expenses. See page 25 for more information about the Limited Purpose Health Care FSA.


Health Account ComparisonLet’s compare the HSA, Limited Purpose Health Care FSA and traditional Health Care FSA offered by Ecolab:

HEALTH ACCOUNT COMPARISON


HSALimited Purpose Health Care FSA

Health Care FSA

What It Can Be Used For

Used to save and pay pre-tax for qualifying health care expenses, including medical, prescription drug, dental, orthodontia and vision care. Deposits, earnings and withdrawals are tax-free (with the exception of some state taxes).

Used to save and pay pre-tax for qualifying dental (including orthodontia) and vision care.

Used to save and pay pre-tax for qualifying health care expenses, including medical, prescription drug, dental, orthodontia and vision care.

Eligibility Only available to employees enrolled in the Health Savings Account Plan.

Only available to employees enrolled in the Health Savings Account Plan.

Only available to employees NOT enrolled in the Health Savings Account Plan.

Ecolab 2019 Contributions

Amount based on your annual pay and medical plan coverage tier (see page 12 for details). Contributions may be prorated based on your hire date. See page 13 for details.

$0 $0

Maximum Contributions in 2019

Total HSA contributions (from both Ecolab and employee contributions) are limited to: Employee Only: $3,500 All other coverage tiers: $7,000 You may contribute an additional $1,000 if 55 or older anytime in 2019.

$2,650 $2,650

Funds Roll Over Yes. Yes. Up to $500. Yes. Up to $500.

Goes with Employee Yes. If you leave or retire from Ecolab, the entire balance (your contributions, Ecolab contributions and earnings) in your HSA belongs to you.

No. You may only be reimbursed for costs incurred while you are employed by Ecolab.

No. You may only be reimbursed for costs incurred while you are employed by Ecolab.

Ability to Change Contributions During the Year

Yes. You can start, increase, reduce or stop contributions made through payroll deduction anytime throughout the year.

No. The contribution amount you elect during enrollment cannot be changed unless you experience a qualifying life event.

No. The contribution amount you elect during enrollment cannot be changed unless you experience a qualifying life event.

When Funds Are Available to Spend

Your contributions are not available to spend until they have been deposited into your account, per IRS rules.

The annual amount you elect to contribute is available and loaded onto your YSA card as soon as administratively possible.

The annual amount you elect to contribute is available and loaded onto your YSA card as soon as administratively possible.

Earnings Potential Yes. Your balance will earn interest in an account insured by the FDIC. Once your HSA has a balance of at least $2,000, you can choose to invest in a selection of investment options. Information will be in your Welcome Kit mailed to your home after your enrollment is complete.

No. No.


Life Insurance CoverageEcolab provides various life and disability insurance benefits so you have the resources you need to protect loved ones in the event of your injury or death. Ecolab will also provide financial counseling at no cost to family members upon the death of an employee.

The following life insurance coverage is provided by Ecolab at no cost to you:

• Basic Life Insurance — Coverage is equal to one times your annual pay (as defined by the plan), rounded to the next higher $1,000 increment, up to a $2 million maximum. Your Basic Life Insurance coverage above $50,000 is imputed as taxable income to you.

• Business Travel Accident Insurance — Coverage is equal to three times your pay, up to a $1 million maximum limit with a $250,000 minimum benefit. If you die accidentally while traveling on company business, this benefit is payable to your beneficiary.

The following insurance coverage is available to employees to purchase through payroll deduction:

• Optional Life Insurance (for you) — Coverage is available from one to nine times your pay, rounded to the next higher $1,000 increment, up to a $2 million maximum. Evidence of Insurability (EOI) may be required if your Optional Life amount exceeds the lesser of four times earnings or $500,000.

• Optional Accidental Death & Dismemberment (AD&D) (for you) — Coverage is available for you to purchase. This is not tied to Optional Life. It is available in flat dollar amounts of $50,000, $100,000, $250,000, $500,000, $750,000 and $1 million. No Optional Spouse/Domestic Partner or Child AD&D is available.

• Spouse/Domestic Partner Life Insurance — Coverage is available in increments of $10,000, $25,000, $50,000, $75,000, $100,000 and $150,000. Coverage is available to same-sex and opposite-sex domestic partners. EOI will apply for any new coverage over $50,000.

• Child Life Insurance (per child) — Coverage is available in increments of $5,000, $10,000, $15,000, $20,000 and $25,000. Coverage is available for children 14 days old up to age 26.

Coverage Reduction Due to AgeCoverage will be reduced to 65% of the original value at age 65 and to 50% of the original value at age 70.

This limit applies to the following plans:

• Basic Life

• Optional Life

• Spouse/Domestic Partner Life

• Optional AD&D

For more details, see the Summary Plan Description posted online at mybenefits.us.ecolab.com.


2019 Life and AD&D Rates per $1,000 of coverage per month

Basic Life (flat rate)

All ages $0.096

Optional Life (by age)

Employee Dependents

Non-Nicotine Nicotine Non-Nicotine Nicotine

Under 25 $0.031 $0.077 $0.041 $0.061

25 – 29 $0.041 $0.091 $0.047 $0.064

30 – 34 $0.056 $0.126 $0.062 $0.087

35 – 39 $0.064 $0.144 $0.074 $0.109

40 – 44 $0.071 $0.167 $0.092 $0.155

45 – 49 $0.110 $0.260 $0.152 $0.266

50 – 54 $0.167 $0.407 $0.251 $0.490

55 – 59 $0.312 $0.757 $0.419 $0.772

60 – 64 $0.484 $1.132 $0.695 $1.083

65 – 69 $0.938 $2.259 $1.323 $2.061

70 – 74 $1.666 $3.785 $1.648 $2.307

75 – 100 $1.666 $3.785 $1.648 $2.307

Optional AD&D and child life (flat rates)

Optional AD&D Child Life (up to age 26)

$0.015 $0.068

Name Your BeneficiariesIn the event of your death, life insurance, Business Travel Accident and AD&D (if elected) benefits are paid to your beneficiaries. That’s why it’s important to name them when you enroll and to keep them current.


Disability BenefitsShort-Term Disability — Ecolab provides you with income replacement protection through a short-term disability policy for up to 25 weeks at no cost to you. Visit http://inside.ecolab.com/HRUSPolicies for more information.

Long-Term Disability — Ecolab offers you long-term disability insurance through Lincoln Financial for income replacement protection if you become disabled and are unable to work for an extended period of time. If approved, payments begin after 180 days of continuous disability (after short-term disability benefits end). Ecolab provides basic long-term disability coverage equal to 60% of your pay at no cost to you. There is a maximum limit of $15,000/month in taxable income replacement that applies to Long-Term Disability and Optional Long-Term Disability combined. Your benefit will be taxed when you receive it. To view details regarding Long-Term Disability please go to the My Benefits website at mybenefits.us.ecolab.com. You will then click on the “Your 2019 Health and Insurance Benefits” yellow tile and proceed to drop down the Health and Insurance block and select “Long-Term Disability,” which is under the Life, Accidental Death and Disability Plans column.

Optional Long-Term Disability — You may elect to purchase an additional 10% of your pay, for a total benefit of 70% pay replacement, on a pre-tax basis, for additional financial protection. The maximum monthly benefit is $15,000 (Long-Term Disability and Optional Long-Term Disability combined).* Your benefit will be taxed when you receive it. You will pay $0.289 per $100 of covered payroll for the additional 10% benefit.

* If your annual base salary exceeds $300,000, the Optional Long-Term Disability benefit is not available to you.


Ecolab’s Employee Stock Purchase Plan (ESPP) Highlights The ESPP provides U.S. full-time employees with an opportunity to own Ecolab stock. Here are some important plan highlights:

• You can contribute up to $6,000 per year after taxes to purchase Ecolab stock.

• Ecolab matches 15% of every dollar you contribute.

• Your contributions are made through regular payroll deductions. (Note: Stock is purchased the third week of the month following the month the payroll deductions are taken from your paycheck.)

• You can enroll, change or stop your payroll deductions anytime at mybenefits.us.ecolab.com or call the Ecolab Benefits Center at 1.800.964.0265.

– When you initially enroll, your account will not be opened with Computershare, Ecolab’s ESPP administrator, until the first purchase file has been processed by Computershare (i.e., January enrollment, account opened and stock purchased in the third week of February).

– Once your account has been opened, Computershare will send a welcome letter to new participants that includes individual account information. In addition, a PIN to access the account is sent under separate cover.

– With the welcome letter and PIN, you can log into the Computershare website at www-us.computershare.com/Employee or contact Computershare via phone at 1.866.657.8331 for account information.

– New participants are required to complete a W-9 form. Completion of the W-9 will certify your U.S. Social Security Number with Computershare to avoid backup tax withholding on dividends and sale proceeds. A W-9 will be mailed under separate cover. For convenience, you can certify your account (complete the W-9) on the Computershare website or via the automated phone system by calling 1.866.657.8331. You can also complete the form and return to Computershare via mail.

• Cash dividends are automatically reinvested. All dividend reinvestment and purchase brokerage fees are paid by Ecolab while you are an active employee.

• You can sell or transfer your stock at any time after the stock has been purchased and posted to your Computershare account. Stock can be sold or transferred on the Computershare website at www-us.computershare.com/Employee or by contacting Computershare via phone at 1.866.657.8331.

• Brokerage fees for the sale and transfer of stock are paid by the employee.

• Subject to plan eligibility rules.

FEE SCHEDULE

Sale Transaction

$.10 per share plus handling and SEC fees as applicable ($15 minimum transaction fee)

Transfer Transaction

$25 transfer fee

Additional fees may apply for a wire transfer or overnight payments. For questions regarding fees, please contact Computershare at 1.866.657.8331.


Group Legal ServicesEcolab offers a legal services plan administered by Hyatt Legal Plans that provides access to legal services at affordable rates. Through its national network of more than 9,000 attorneys, the plan offers legal representation for you, your spouse/domestic partner and covered dependents. You elect this benefit as a new employee or during the open enrollment period.

When you enroll in the legal plan and face a situation that you think has legal implications or you want to locate a participating Hyatt attorney, you can contact a Hyatt client service representative toll-free at 1.800.821.6400. One of the most important features of the legal plan is that it fully covers telephone advice and office consultations. This means you can talk to or visit with your plan attorney whenever an event in your life creates legal concerns.

You may search online for an attorney near your home or for more information about covered services at www.legalplans.com (password: METLAW). Hyatt attorneys are generally available to meet with you during normal business hours, on weekday evenings and Saturdays.

Hyatt offers legal advice and fully covers the following legal issues:

• Court appearances

• Document review and preparation

• Debt collection defense

• Uncontested adoptions and guardianships

• Wills, trusts and powers of attorney

• Real estate transactions, including the sale, financing and refinancing of your home

• Traffic tickets (except DUI)

When you use a Hyatt attorney for covered services, there are no deductibles or copayments, waiting periods, claim forms or limits on your annual usage. You can enroll in this benefit during the enrollment period online at mybenefits.us.ecolab.com. The cost is a group rate of $15.75 per month that you pay through automatic, after-tax payroll deductions.

Employee Assistance ProgramYour Employee Assistance Program or “EAP” is a benefit provided for you and your family members at no cost to you. You do not need to be enrolled in the Ecolab medical plan to take advantage of the EAP. Speak with a Cigna advocate anytime, day or night, who will answer your questions, direct you to valuable resources and connect you with a mental health professional, if necessary. These services are at no cost to you, confidential and include:

• Counseling. Receive phone consultations and three face-to-face sessions with a licensed mental health professional on the Cigna Behavioral Health network, all at no cost to you.

• Childcare referrals. Day care centers and homes, preschool programs, nannies, prenatal classes and more.

• Eldercare. Onsite assessment of the elder’s own living environment, assess possible housing options such as assisted living and more.

• Pet care. Find a veterinarian, pet sitter, obedience training location or pet insurance.

• Identity theft support. A 60-minute consultation with a fraud resolution specialist at no cost to you.

• Legal assistance. A 60-minute consultation at no cost to you and up to 25% discount on select fees.*

• Financial management. A 60-minute consultation at no cost to you.

* Legal consultations and discounts are not eligible for employment-related issues.

Voluntary BenefitsEcolab makes available several voluntary benefits. For these benefits, you pay the full cost for coverage, but you’ll take advantage of group discount pricing that you would not have if you sought coverage on your own.

These benefits include:

• Accident Insurance

• Critical Illness Insurance

• Hospital Indemnity Insurance

• Auto and Homeowners Insurance

• Pet Insurance

• Identity Theft Protection

Please refer to the separate materials included in your enrollment packet for additional information.


401(k) Savings PlanThe Ecolab 401(k) Savings Plan is administered by Fidelity and available to full-time or qualifying part-time employees. The Plan lets you save funds for your retirement on a pre-tax basis and/or with Roth 401(k) after-tax contributions. You are eligible to participate in the Plan as of your first active day at work. Once your enrollment is processed, you can begin contributing. For details, refer to the Savings Plan Prospectus and Summary Plan Description located on the Fidelity website at www.netbenefits.com.

• Enrollment is easy. You can enroll in the Plan by calling Fidelity at 1.800.835.5091 anytime after you receive your first paycheck from Ecolab or by logging into www.netbenefits.com.

• Your contributions are made through convenient payroll deductions on a pre-tax and/or Roth after-tax basis.

• Ecolab matches 100% of your first 4% of your contributions and 50% of the next 4%.

• When you contribute at least 8% of your pay to your 401(k) Savings Plan, you’ll receive the maximum 6% company match from Ecolab (IRS limits may apply). That means your total 401(k) savings will equal 14% of earnings annually. So if you contribute at least 8% of your pay, Ecolab adds 6%.

• You can contribute from 1% to 50% of your pay to the Plan, as long as it does not exceed the annual limit defined by the Internal Revenue Service ($18,000 for 2018). For the 2019 IRS limits, please contact Fidelity at 1.800.835.5091 or go to the Fidelity website at www.netbenefits.com.

• If you are age 50 or older, you may be eligible to make an additional catch-up contribution (up to $6,000 for 2018). For the 2019 IRS limits, please contact Fidelity at 1.800.835.5091 or go to the Fidelity website at www.netbenefits.com.

• A variety of investment options gives you flexibility and control in managing your investments.

• You can check your account balance, obtain prices and yields, check where your current contributions are invested, change where your future contributions are to be invested or change your investment direction through Fidelity’s phone and internet services — virtually 24 hours a day.

• You are always fully vested in the amounts you contribute to the Plan and the earnings on your contributions. Company matching contributions are 100% vested at the time they are made.

• You may roll over funds to the Ecolab Savings Plan from a previous employer’s qualified plan. Call Fidelity at 1.800.835.5091 for further information.

Fidelity Participant Services Representatives are available most business days between 8:30 a.m. and midnight Eastern Standard Time to answer your questions. You may call Fidelity directly at 1.800.835.5091, or go directly to the Fidelity website at www.netbenefits.com.

Ecolab’s Retirement Benefits

The annual IRS 401(k) Savings Plan dollar limits apply to all employer plans. If you contributed to another employer’s plan in 2019, the amount you can contribute to the Ecolab 401(k) Savings Plan is reduced by your contributions to the other plan. Please consider this when electing your 2019 contribution percentage under the Ecolab 401(k) Savings Plan.


Pension PlanThe Ecolab Pension Plan provides a retirement benefit to eligible employees with three or more years of continuous service. You may elect to have your vested benefit distributed upon termination of employment from Ecolab.

As a full-time employee, you become a participant on January 1 following your hire date. If you are a part-time or temporary employee, you become a participant on January 1 of the year in which you complete one year of eligibility service.

• Ecolab provides contribution credits to the Plan on your behalf in the amount of 3% of your eligible compensation at the end of each calendar year for which you are an eligible participant.

• You earn annual interest credits on your retirement account.

• You become vested (entitled to a retirement benefit) after you complete three (3) years of continuous service.

• You are eligible to receive a benefit upon retirement, or if you terminate your employment after you become vested.

• You may receive your benefit in a lump sum, or in monthly installments for your lifetime. If you are married, joint and survivor payment options are available.

• For details, refer to the Summary Plan Description located on the My Benefits website (mybenefits.us.ecolab.com).

Retiree Health CareIf you retire directly from Ecolab at age 55 with 10 years of service, or are age 62 on the date of your retirement, you may be eligible to purchase retiree health care benefits which include medical, prescription drug, dental and vision coverage. You will have a one-time opportunity to enroll in Ecolab’s retiree health care plans following your retirement.

Post-Retirement Death BenefitIf you retire directly from Ecolab at age 55 with 10 years of service, or are age 62 on the date of your retirement, Ecolab will provide a $10,000 Company-paid death benefit, which will be paid to your beneficiary upon your death. There is no cost to you for this benefit.

Other ProgramsEducational Assistance ProgramEcolab wants to continue to support your development both personally and professionally and offers financial support if you elect to continue your formal education.

The benefit is available to full- or part-time employees with no waiting period. An employee must be in good performance standing and receive manager approval before beginning a class or program.

For more information about this program, including maximum reimbursement amounts, visit http://inside.ecolab.com/HRUSPolicies.

SPIRE Credit UnionAs an Ecolab employee, you are eligible for membership at SPIRE Credit Union. SPIRE has over 80 years of experience serving members and offers competitive loan rates and fees. For more information, visit www.myspire.com or call 1.888.34.SPIRE or 1.651.215.3500.


Use this chart as an ongoing reference when you have questions about any of your benefit plans. If you cannot find the information you need in this guide, please contact the Ecolab Benefits Center at 1.800.964.0265. You may also contact the service provider directly. For your reference, following is a list of your service providers.

For What Your Contact Phone Number Web Address Provider Mobile Apps*

Medical Plans and Wellness Cigna 1.800.900.3791 www.mycigna.com myCigna

Prescription Drugs CVS/caremark 1.866.490.0021 www.caremark.com CVS Caremark

Health Savings Account Cigna/HSA Bank 1.800.900.3791 www.mycigna.com myCigna

Telemedicine MDLIVE 1.888.726.3171 www.MDLIVEforCigna.com MDLIVE

Employee Assistance Program (EAP) Cigna 1.800.900.3791 www.mycigna.com

Enter employer ID: ecolab No app available

Dental MetLife 1.800.942.0854 www.mybenefits.metlife.com MetLife US

Vision VSP 1.800.877.7195 www.ecolab.vspforme.com VSP Vision Care On the Go

Flexible Spending Accounts YSA 1.800.964.0265 http://mybenefits.us.ecolab.com Aon Hewitt‘s Reimburse Me

(for YSA accounts)

Life Insurance and AD&D Prudential 1.800.524.0542

(for claims only) www.prudential.com/gi No app available

Short-Term and Long-Term Disability Lincoln Financial 1.888.778.9219 www.mylibertyconnection.com

(company code: Ecolab) No app available

Employee Stock Purchase Plan Computershare 1.866.657.8331 www-us.computershare.com/employee No app available

Group Legal Services Hyatt Legal 1.800.821.6400 www.legalplans.com(password: METLAW) No app available

Accident Insurance, Critical Illness Insurance, Auto and Homeowners Insurance, Hospital Indemnity InsurancePet Insurance andIdentity Theft Protection

Mercer 1.877.473.9297 www.voluntarybenefitsforecolab.com No app available

Savings Plan — 401(k) Fidelity 1.800.835.5091 www.netbenefits.com Fidelity Investments

Pension Plan and Other Retirement Benefits Ecolab 1.877.854.6541 http://mybenefits.us.ecolab.com No app available

Educational Assistance Program See web address See web address http://inside.ecolab.com/USHRPolicies No app available

SPIRE Credit Union SPIRE 1.888.34.SPIRE or 1.651.215.3500 www.myspire.com No app available

* You can easily access the apps by searching the listed names in the Apple® iTunes® or Google PlayTM stores.

This guide is a summary of the Ecolab U.S. benefits program. It highlights the main provisions of your benefit plans, which are subject to the terms of the official Plan Documents and insurance policies and may be modified from time to time. A more complete summary of all benefit plans is provided in the Summary Plan Descriptions (found online at mybenefits.us.ecolab.com) required by law. Where this summary and the official Plan Documents vary, the official Plan Documents are the final authority. This guide (nor its related documents) is not an employment contract or any type of employment guarantee and is not a guarantee of benefits. Ecolab reserves the right to amend or discontinue the plans or reduce, suspend or discontinue future contributions or benefits at any time.

Service Provider Contact Information

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