2016 EMPLOYEE BENEFITS ENROLLMENT GUIDE

E X C E L L E N C E . E V E RY PAT I E N T. E V E RYT IME .

Welcome to your 2016 conemaugh health SyStem

BenefitS Program!

table of contentsEligibility ...................................................................................................1 Health Care Benefits ............................................................................2 Prescription Plan ...................................................................................5Dental Benefits .......................................................................................6Vision Benefits .......................................................................................7Flexible Spending Accounts .............................................................8 Life Insurance .......................................................................................11Short Term Disability, Long Term Disability ..........................12Universal Life .......................................................................................13Critical Illness ......................................................................................14Accident ..................................................................................................15Contact Information ..........................................................................16Notes .......................................................................................................17

eligibilityTo be eligible to enroll in benefits, you must work an average of18 hours per week.*Benefits for new hires will be effective on the first of the month following date of hire. If hired on the first of the month, the benefits will be effective that day.Eligible dependents include:• Your lawful spouse• Your children under age 26, including those you have legal guardianship over, as well as adopted and stepchildren *Conemaugh Health System utilizes a 12 month measurement period per ACA requirements.

Benefit Basics: your electionsThe elections made during this enrollment period cannot be enhanced, modified or canceled by you until the next enrollment period, unless you have a qualifying event. Qualifying eventsIf you experience a qualifying event during the year; you must notify Human Resources within 31 days by accessing the employeebenefit portal at www.conemaughbenefits.bswift.com. Qualifying events include:• Birth or adoption of a child (Please attach a copy of the birth certificate, baptism certificate, or certification from the hospital). If employee has “Employee Only” insurance coverage, dependents must be added within 31 days. If employee has “Family Coverage” insurance coverage, you must add dependents within 31 days.• Marriage (Attach a copy of the marriage certificate – must be within 31 days).• Change in spouse’s benefits (Attach documentation verifying this change – must be within 31 days).• HIPP eligible• CHIP eligible (Changes must be made within 60 days)• DeathIMPORTANT - If you miss the 31 day deadline to make a qualifying event status change, you cannot enroll a new dependent or make a change to your benefits until the next enrollment period.

1

health care Benefits enhanceD Benefit StanDarD Benefit out of netWorK narroW netWorK StanDarD netWorK Plan feature PPo choice hDhP choice PPo choice hDhP choice PPo choice hDhP choice Plan Plus Plan Plus Plan Plus

Benefit Period contract year Deductible per benefit period – Embedded Individual $500 $1,500 $1,500 $2,000 $3,000 $4,000 Family Plan $1,500 $4,500 $4,500 $7,500 $9,000 $12,000 Plan Pays – Payment 90% 90% 70% 70% 50% 50% based on the plan after after after after after after allowance deductible deductible deductible deductible deductible deductible out-of-Pocket maximum Individual $1,000 $1,000 $2,000 $2,000 $10,000 $10,000 Family $2,000 $2,000 $4,000 $4,000 $20,000 $20,000 total maximum out-of-Pocket Individual $6,600 Not Applicable Not Applicable Family $13,200 Not Applicable Not Applicable office/clinic/urgent care Visits Primary care Provider 100% after 100% after 70% after 70% after 50% after 50% after office Visits $25 copay $25 copay deductible deductible deductible deductible Specialist office Visits 100% after 100% after 70% after 70% after 50% after 50% after $35 copay $35 copay deductible deductible deductible deductible urgent care center At Medwell At Medwell 100% after 100% after 50% 50% Visits Only: 100% Only: 100% $100 copay $100 copay after after after $25 after $25 deductible deductible copay copay retail clinic Visits 100% after 100% after 100% after 100% after 50% after 50% after $40 copay $40 copay $40 copay $40 copay deductible deductible

Preventive care

routine adult Physical exams 100% 100% 100% 100% Not Covered Not Covered Adult Immunizations 100% 100% 100% 100% Not Covered Not Covered Colorectal cancer 100% 100% 100% 100% Not Covered Not Covered screening Routine Gynecological 100% 100% 100% 100% Not Covered Not Covered Exams, including a Pap Test Mammograms, annual 100% 100% 100% 100% Not Covered Not Covered routine and medically necessary Diagnostic services 100% 100% 100% 100% Not Covered Not Covered and procedures routine Pediatric Physical exams 100% 100% 100% 100% Not Covered Not Covered Pediatric 100% 100% 100% 100% Not Covered Not Covered Immunizations Diagnostic services and procedures 100% 100% 100% 100% Not Covered Not Covered2

health care Benefits enhanceD Benefit StanDarD Benefit out of netWorK narroW netWorK StanDarD netWorK Plan feature PPo choice hDhP choice PPo choice hDhP choice PPo choice hDhP choice Plan Plus Plan Plus Plan Plus

hospital and medical/Surgical expenses (including maternity) hospital inpatient 90% after 90% after 70% after 70% after 50% after 50% after deductible deductible deductible deductible deductible deductible hospital outpatient 90% after 90% after 70% after 70% after 50% after 50% after deductible deductible deductible deductible deductible deductible maternity 90% 90% 70% 70% 50% 50% (non-preventive facility after after after after after after & professional services) deductible deductible deductible deductible deductible deductible medical care (including 90% 90% 70% 70% 50% 50% inpatient visits and after after after after after after consultations)/Surgical deductible deductible deductible deductible deductible deductible Expensesemergency Services emergency room 100% after $150 copay Services ambulance 100% 100% 100% 100% 100% after 100% after deductible deductible ambulance 70% after 70% after 70% after 70% after 50% 50% non-emergency Standard Standard Standard Standard after after Benefit Benefit Benefit Benefit deductible deductible deductible deductible deductible deductible

therapy and rehabilitation Services Physical medicine 90% 90% 70% 70% 50% 50% after after after after after after deductible deductible deductible deductible deductible deductible respiratory therapy 90% after 90% after 70% after 70% after 50% after 50% after deductible deductible deductible deductible deductible deductible Speech & occupational 90% after 90% after 70% after 70% after 50% after 50% after therapy deductible deductible deductible deductible deductible deductible Spinal manipulations 90% after 90% after 70% after 70% after 50% after 50% after deductible deductible deductible deductible deductible deductible other therapy Services 90% 90% 70% 70% 50% 50% (Cardiac, Rehab, Infusion after after after after after after Therapy, Chemotherapy, deductible deductible deductible deductible deductible deductible Radiation Therapy) outpatient Dialysis 80% after 80% after 80% after 80% after 50% 50% Enhanced Enhanced Enhanced Enhanced after after Benefit Benefit Benefit Benefit deductible deductible deductible deductible deductible deductiblemental health/Substance abuse inpatient 90% after Enhanced Benefit deductible 50% after 50% after deductible deductible 3

health care Benefits enhanceD Benefit StanDarD Benefit out of netWorK narroW netWorK StanDarD netWorK Plan feature PPo choice hDhP choice PPo choice hDhP choice PPo choice hDhP choice Plan Plus Plan Plus Plan Plus

inpatient 90% after Enhanced Benefit deductible 50% 50% Detoxification/ after after rehabilitation deductible deductible outpatient 100% after 100% after 70% after 70% after 50% after 50% after $35 copay $35 copay deductible deductible deductible deductibleother Services allergy extracts and 90% after 90% after 70% after 70% after 50% after 50% after injections deductible deductible deductible deductible deductible deductible applied Behavior 90% after 90% after 70% after 70% after 50% after 50% after analysis for autism deductible deductible deductible deductible deductible deductible Spectrum Disorders assisted fertilization Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Procedures infertility counseling, 90% after 90% after 70% after 70% after 50% after 50% after testing and treatment deductible deductible deductible deductible deductible deductible Dental Services related 90% after 90% after 70% after 70% after 50% after 50% after

to accidental injury deductible deductible deductible deductible deductible deductible Diagnostic Services 90% 90% 70% 70% 50% 50% Advanced Imaging after after after after after after (MRI, CAT, PET scan, etc.) deductible deductible deductible deductible deductible deductible Basic Diagnostic Services (standard imaging, diag‐ nostic medical, lab/path‐ ology, allergy testing) Durable medical 80% after 80% after 80% after 80% after 50% after 50% after equipment, Orthotics Enhanced Enhanced Enhanced Enhanced deductible deductible and Prosthetics Benefit Benefit Benefit Benefit deductible deductible deductible deductible home health care 90% 90% 70% 70% 50% 50% 120 days per benefit after after after after after after period deductible deductible deductible deductible deductible deductible hospice 90% after 90% after 70% after 70% after 50% after 50% after deductible deductible deductible deductible deductible deductible $3,000 Annual Maximum Skilled nursing facility 90% 90% 70% 70% 50% 50% 120 days per benefit after after after after after after period deductible deductible deductible deductible deductible deductible transplant Services 80% after 80% after 80% after 80% after 50% 50% Enhanced Enhanced Enhanced Enhanced after after Benefit Benefit Benefit Benefit deductible deductible deductible deductible deductible deductible

Precertification Yes Yes Yes Yes Yes Yes requirements

This is not intended as a contract of benefits. It is designed purely as a reference of the many benefits available under your program. 4

PreScriPtion Plan Covered Prescriptions will be payable as follows:

formulary (Preferred) non-formulary (non-Preferred)Generic $5.00 co-payment 50%Brand Name 30% 50%The “dispense as written” policy encourages the use of generic drugs. If a Physician does not indicate “brand necessary” but thepatient requests any brand name drug, the patient will be responsible for the difference between the cost of that brand namedrug versus the cost of the generic drug, plus the generic drug co-payment.To be paid at the above levels, prescription drugs are only available through the MMC Pharmacy or any Catamaran Retail Pharmacy. You may only obtain a 14-day supply through a Catamaran Pharmacy. A 90-day supply is only available through theMMC Pharmacy.Experimental drugs are not covered. Drugs approved by the Food and Drug Administration are allowable, subject to plan provisions through the Prescription plan program. WellneSS Program In order to qualify for the Wellness Credit for the plan year beginning January 1, 2017, you must complete the following by December 1, 2016: 1. Complete Wellness Profile 2. Establish (if not already established) a Primary Care Physician relationship 3. Choose a wellness goal (based on 2015 BioMetric Screening Results) by April 1, 2016 4. Participate in 2016 BioMetric Screening (free employee screening) 5. Complete all appropriate age and gender wellness/preventative screenings and exams The $5 per pay discount for plan year 2016 remains active if you elected to participate in the Wellness Credit during the openenrollment process. New hires or those who previously did not participate in the Wellness Credit will complete items 1, 2, and 4. Please visit the link below to view a video explanation of the program and the tools and resources available to participants. http://conemaughwellness.org/other_projects/Wellness%20Credit/Information.html

5

Dental coVerageHere at Conemaugh, we want to ensure that our employees have dental coverage so that they continue to smile for years to come.Conemaugh continues to offer two different dental plans from United Concordia:

Plan a Plan B

Diagnostic & Preventive ServicesRoutine Exam 100% 100%Prophylaxis (Cleaning) 100% 100%Fluoride Treatments 100% 100%Sealants-For 100% 100%Bitewing X-Rays 100% 100%Full Mouth X-Rays 100% 100%endodontic ServicesRoot Canal Treatment 85% 85%Apicoectomy 85% 85%restorative Services (under local anesthesia)Fillings 85% 85%Single Unconnected Inlays, Onlays and Crowns 50% 50%oral Surgery ServicesSimple Extractions 85% 85%Most Other Oral Surgery 85% 85%PeriodonticsNon-Surgical 85% 85%Surgical 85% 85%removable ProstheticsFull or Partial Dentures 50% 50%Replacement 50% 50%Relining and Rebasing 50% 50%Repairs 50% 50%fixed ProstheticsFixed Bridgework 50% 50%Replacement 50% 50%Repairs 50% 50%orthodontics (for dependents to age 19)1Diagnostic, Active and Retention Treatment 50% Not Covered Deductibles and maximumsLifetime Orthodontic Maximum $1,500 per dependent Not ApplicableProgram Maximum $1,500 per person $1,000 per personExcludes OrthodonticsProgram Deductible $25 per person $25 per personExcludes Diagnostic & Preventive Services and Orthodontics

*All percentages are based upon United Concordia’s Maximum Allowable Charge (MAC). You may receive dental care from any licensed dentist. However, providers who participate in theConcordia Advantage network agree to accept United Concordia’s MAC as payment in full (less any deductible or coinsurance amounts that are the patient’s responsibility). In order to deter-mine if your dentist participates in the Concordia Advantage network, please visit our web site at www.ucci.com or contact Dental Customer Service at 1-800-332-0366.

1 $1,500 lifetime maximum per covered dependent up to age 19 for orthodontia. Participants who choose orthodontia coverage must remain in this plan until all orthodontia services arecomplete. (Example: if braces are to be on for 24 months, participant must remain in orthodontia coverage for 24 months to maximize reimbursement.)

6

ViSion coVerageConemaugh provides access to a vision plan, offered by National Vision Administrators (NVA), for you and your family.

in network out-of-network reimbursement(1)

frequency(2)Eye examination (including dilation, as Once every 12 monthsprofessionally indicated)Eyeglass lenses Once every 12 monthsFrames Once every 12 monthsContact lenses (in lieu of eyeglass lenses) Once every 12 monthseye examination (including dilation as professionally Covered In Full Up to $32 allowanceindicated)frames retail allowance towards a provider’s frame Up to $60 allowance Up to $30 allowanceStandard eyeglass lenses(3) (per pair)Single vision Covered In Full Up to $25 allowanceBifocal Covered In Full Up to $36 allowanceTrifocal Covered In Full Up to $46 allowanceLenticular Covered In Full Up to $72 allowanceoptional eyeglass lenses (per pair)Standard progressive lenses $50 discounted price Not CoveredGlass Grey #3 prescription sunglasses $10 discounted price Not CoveredPolycarbonate lensesAdult $25 or $30 discounted price Not CoveredDependent childrenSingle vision Polycarbonate lenses (in lieu of Covered In Full Not Coveredsingle vision eyeglass lenses)Bifocal Polycarbonate lenses (in lieu of bifocal Covered In Full Not Coveredeyeglass lenses)Trifocal Polycarbonate lenses (in lieu of trifocal Covered In Full Not Coveredeyeglass lenses)contact lenses(4) (in lieu of eyeglass lenses – per pair or initial supply of disposable contact lenses)Contact lens evaluation and fittingDaily wear Covered In Full Up to $20 allowanceExtended wear Covered In Full Up to $30 allowanceElective contact lenses Up to $75 allowance Up to $75 allowanceMedically necessary contact lenses (prior Covered In Full Up to $225 allowanceapproval required)

(1) If you choose an out-of-network provider, you must pay the provider directly for all charges and then submit a claim for reimbursement.(2) Eligibility will be determined from the date of the last similar service paid under this program.(3) Includes glass, plastic or oversized lenses.(4) Contact lenses can be worn by most people. Once the contact lens option is selected and the lenses fitted, they may not be exchanged for eyeglasses.This is a summary of the vision benefits. Please refer to the group policy for complete benefit information. Should the information in this summary differ from the information contained in the group policy, the terms of the group policy shall govern.

7

fleXiBle SPenDing account PlanFlexible Spending Account Plans (FSAs) offer you an opportunity to save money by paying for your out-of-pocket health careand/or dependent care expenses with tax-free dollars. Before the start of each benefit plan year, you are given the opportunity to enroll in the Health Care FSA and the Dependent Care FSA plans. health care flexible Spending accountThe Health Care Flexible Spending Account (HCFSA) allows you to pay for out-of-pocket health care expenses with pre-tax dollars. A wide range of medical, dental and vision-related expenses can be reimbursed through this account. These expenses canbe for you or anyone who is considered your dependent by definition in your plan guidelines – even those not enrolled in a company health insurance plan. Expenses must be incurred during your period of coverage under the plan. Expenses are considered incurred when the healthcare services are provided, not necessarily when you are billed or pay for the services. You cannot be reimbursed for expenses incurred before the plan effective date, before your enrollment date, after you terminate from the plan, or for expenses incurredafter the close of the plan year.

hcSa contribution limitsYou may contribute to the HCSA according to the amounts below. All contributions need to be in whole dollar amounts.min Annual Max Annual Jan 1, 2016 - $130 $2,550December 31, 2016

examples of expenses eligible for hcSa reimbursement:• Acupuncture• Ambulance Services• Artificial Limb• Birth Control Pills• Braille Books and Magazines• Capital Expenses Incurred for a Disabled Condition• Chiropractors• Christian Science Practitioner’s Fee• Coinsurance Amounts You Pay• Contact Lenses/Solution• Crutches - both buying and renting• Deductible medical expenses you pay• Dental Improvements• Doctor Fees• Eyeglasses (Prescription only, including eye examination fee)• Guide Dog - Cost and care of the dog• Hearing Aids - Including batteries• Lasik Eye Surgery• Lead-Based Paint Removal

• Learning Disabilities• Medicine (Prescription)• Mentally Handicapped - Cost of special home• Nursing/Retirement Home - Only the cost for medical care• Orthodontic Services• Oxygen• Prescribed Medical Equipment• Psychoanalysis• Psychologist• Special Education for a Mentally or Physically Disabled Person• Special Equipment for Blind or Deaf• Sterilization• Therapy Treatments• Transportation Essential for Medical Care - Include actual expenses, such as parking fees and not general maintenance• Weight Watchers - medical necessity required• Wheelchair - Autoette/manual/motorized

8

fleXiBle SPenDing account PlanDependent care flexible Spending accountThe Dependent Care Flexible Spending Account (DCFSA) allows you to pay for out-of-pocket work-related dependent/child carecosts on a pre-tax basis. You may participate in this plan regardless of your marital status. However, keep in mind that the plan isin place to allow you to pay for your dependent/child care expenses if you are gainfully employed (see below).You can be reimbursed for work-related dependent care expenses for: (1) a dependent under age 13 living with you, and whomyou can claim as a dependent on your federal income tax return; and (2) a dependent or spouse who is mentally or physically incapable of personal care. If you participate in the dependent care spending account, the IRS will require you to report the socialsecurity number or taxpayer identification number of your provider on your IRS Form 2441 when filing taxes at the end of eachplan year.

the following types of care are eligible under a Dependent care fSa:• Care provided inside or outside your home• Dependent care center or childcare center if the center cares for more than six children, and complies with state and local regulations• Housekeeper, au pair, or nanny whose services include providing care for a qualifying dependent• Preschool that the child/dependent attends while you (and spouse, if applicable) are gainfully employed• Before and After School Care program (only for children under age 13). The cost of schooling/education must be separated from the cost of care.

DcSa contribution limitsThe maximum amount you can contribute under IRS guidelines depends on your federal filing status, as shown in the following chart: Annual

minimum maximumSingle or married filing jointly $130 $5,000Jan 1, 2016 - December 31, 2016Married filing separate $130 $2,500Jan 1, 2016 - December 31, 2016 in aDDitionYour maximum contribution cannot exceed the lesser ofyour income or your spouse’s income. If your spouse is afull-time student and does not have an income, assume (forpurposes of participation) that your spouse’s income is$1,200 if you have one eligible dependent (or $2,400 if youhave two or more eligible dependents).

9

fleXiBle SPenDing account Plancalculating your annual election and Per Pay Period contributionsDuring each annual open enrollment period, you have the opportunity to enroll in the FSA plans. Participation is voluntary —you decide if you want to participate, and how much you want to contribute for the plan year. Your plan year election will be divided by the number of pay periods in the plan year. Each pay period, your employer deducts an amount from your paycheckand sets it aside in the plan.For the Health Care FSA plan, it is helpful to look back at the previousyear’s expenses, and think about the expenses you expect to incur in the coming plan year, then determine your upcoming annual election. For the Dependent Care FSA, total the amount you expect to spend on eligible dependent care during the upcoming plan year to determine your annual election. An online expense calculator is available to help you determine if the DCFSA or the Child Care Tax Credit is a better benefit for you. Remember — You must re-enroll each year if you would like to continue participating in the plan!use-or-lose rule and claim Submission run-out PeriodAny unused amounts left in your account after the close of the plan year will be forfeited. Keep in mind that you have a specific number of days after the end of the plan year to submit eligible expenses for reimbursement. This is called a Run-Out Period. You have 75 days, after the end of the plan year, to submit a claim for reimbursement of expenses that were incurred during theprior plan year.If your employment terminates before the end of the plan year (voluntary or involuntary), your participation in the plan will end and you may not use your HCFSA for expenses incurred after your last day of active participation. Expenses incurred before termination will be eligible for reimbursement if submitted within the termination run-out period allowed by your plan.Please refer to your Summary Plan Description regarding the details of your Claim Submission Run-Out Period for both active and terminated participants.changing your choices During the yearOnce you enroll in the FSA plan, you may not change your election until the next enrollment period, unless a qualified Change inElection Event occurs as defined in the Plan. Election changes generally cannot be retroactive, and typically you will have 30 daysto notify your employer of your Change in Election Event.You may be required to provide appropriate documentation for any changes that you request. The status and participationchanges must comply with the Plan, and the Administrator has sole discretion to make this determination. If your change in participation is denied, you will have to appeal the decision within the timeframe specified in your Summary Plan Description.accessing your account at chS PharmacyThe Flexible Spending Debit Card can only used at the MMC Pharmacy during these times:• Monday – Thursday 7 am – 8 pm• Friday 7 am – 4 pm• Saturday 8 am – 4 pm

10

life anD aD&D inSuranceBasic life and aD&D insurance Conemaugh Health System provides Basic Life and Basic Accidental Death & Dismemberment (AD&D) to full-time employees, atno cost to the employee.The Basic Life insurance provides a benefit to your beneficiary of 1 (one) times your base pay, in the event of your death. TheBasic Accidental Death & Dismemberment coverage is automatically included, and is payable up to an additional 1 (one) timesyour base pay when a loss is suffered, as a result of an accidental injury that occurs while covered.Voluntary life and aD&D insurance

full-time employeeYou automatically receive a base level of Life and AD&D coverage. You have the option of purchasing additional Life and AD&Dcoverage equal to 1, 2 or 3 times your base pay, to a combined maximum (Basic and Voluntary Life) of $1,000,000. When you select employee voluntary life insurance, you automatically receive the same amount of voluntary AD&D coverage.At each annual enrollment, if you currently elect Voluntary Life/AD&D, you can increase your insurance one level to the lesser of3 times your base pay or combined maximum of $1,000,000. If you were previously eligible and do not participate in the voluntary coverage, or if you wish to increase more than one level, you must complete an evidence of insurability form and beapproved by the carrier. Payroll deductions will not commence until approval from the carrier is received. Part-time employeeYou may purchase $10,000 in coverage at the applicable voluntary life rates.income taxes and life insurance• The IRS considers the cost of providing life insurance over $50,000 as taxable income.• This is referred to as “imputed income.” The tax on imputed income is deducted from your paycheck.• This amount is determined by the IRS table and would appear on your W2 form at the end of the year.• If you are concerned about the amount of imputed income applicable to your selection, it is recommended that you contact your tax consultant.Dependent life insuranceYou may elect insurance protection for your spouse and eligible dependents. If you and your spouse are both Conemaugh HealthSystem employees, only one of you may elect coverage for your dependent children. You may not cover each other under the dependent life insurance.• Spouse - $5,000• Child(ren) - $100 (Age 14 days but less then 6 months)• Child(ren) - $2,500 (Age 6 months to 26 years)The rate for covering children is the same, regardless of the number of children covered. Part-time employees may selectdependent life if they select voluntary life insurance.Designating a BeneficiaryYou need to designate a beneficiary (or beneficiaries) for your life insurance coverage. The beneficiary will receive your life insurance benefits in the event of yourdeath. You may change your beneficiary(ies) at any time. You are automatically the beneficiary of any dependent life insurance coverage you buy. If no beneficiary is on file at the time of your death, your benefit may not be immediately payable.

11

Short term DiSaBility Conemaugh provides Short Term Disability (STD) to full-time and part-time employees who become disabled due to a non-workrelated illness or injury, at no cost to the employee. how the Plan WorksThe STD plan begins paying benefits if you are disabled for more than 3 days (full-time status) or 2 days (part-time status). • Benefits may continue for up to 13 weeks• Any benefits you receive from the STD plan will be subject to all normal income taxesAdditional information can be found in the Conemaugh Health System Short Term Disability policy.

long term DiSaBility Conemaugh Health System provides Basic Long Term Disability (LTD) coverage to full-time employees. It is an important benefitthat provides you and your family with financial security in the event of an extended disability. Premiums are paid by Conemaugh Health System for Basic LTD in the chart below. A buy up option is available that increases thebenefit percentage and the maximum benefit. • If you become disabled, you may receive a monthly benefit, not to exceed the maximum amount• You cannot opt out of Basic LTD coveragehow the Plan WorksThe Basic LTD plan begins paying benefits if you are disabled for more than 90 days. Remember:• Benefits may continue until you reach normal social security age• Any benefits you receive from the Basic LTD Plan will be subject to all normal income taxes

coverage option maximum BenefitBasic LTD • 50% of your monthly pay (provided by CHS) $5,000 per monthBuy Up • 60% of your monthly pay (employee paid) $7,500 per monthYou may elect the buy up option during the annual enrollment. The pre-existing condition clause will apply.other Disability incomeYour Long Term Disability coverage works with other disability benefits, such as Social Security, to provide you with a monthly disability benefit. Your disability payments will be reduced by any disability income you receive from those, and other disability income sources. your Base PayYour Basic LTD benefit amount is determined by your actual monthly base pay. Your monthly base pay is your monthly compensation, not including overtime pay, etc. The cost of your option reflects your base pay as of April 1, and will not increaseuntil the next enrollment period. Base pay on date of hire is used for new employees.

12

Voluntary BenefitS - lincoln uniVerSal life inSurance

With individual universal life insurance, you can offer employees the protection of a permanent death benefit in a product that guarantees coverage as long as premiums are paid. Lincoln Employee Value® Universal Life offers that protection along with these important features:• Valuable coverage for a low cost per pay period• Coverage available for dependents even if the employee does not apply• Riders that let employees customize a policy to meet their unique needs• A higher death benefit per dollar of premium paid• Guaranteed renewable coverage - protection for a lifetime• Affordable level premiums throughout policy life• Individually owned policies that employees are able to keep should they leave their employeremployee eligibility• Must be actively at work and performing the regular duties of his/her occupation• Coverage begins on the effective date of each individual's policySpouse eligibility• As long as the employee is eligible, the spouse can apply for coverage whether or not the employee appliesaccelerated Benefit riderNo cost rider that pays up to 75% of the death benefit if the insured is diagnosed as terminally ill.

comparison Between term and universal life insurance

Benefit term life universal lifeProvides the most amount of insurance at the lowest cost XGets more expensive as you get older XRates can never change (even into retirement) XThe death benefit can never change (decrease) XGuarantee issue at initial offering (no health questions) X XPolicy can be taken with you at the same cost if you leave Conemaugh Health System X X

13

Voluntary BenefitS - lincoln critical illneSS With cancer inSuranceSurviving a critical illness is becoming more common today thanks to advances in medicine. With Critical Illness Insurance benefits from Lincoln Financial, you can face your financial future with confidence and concentrate on getting better when a critical illness strikes.Key points to the plan• Critical Illness benefits are paid directly to you and may be used according to your needs.• You can keep this coverage even if you leave Conemaugh Health System• A lump sum cash benefit is paid directly to the insured for any covered diagnosed illness including heart attack, stroke and cancer.• Price does not go up as you age• Guarantee issue (no health questions) is available for:• Employee amounts up to $30,000• Spouse amounts up to $15,000• Children are automatically covered 25% of the employee amount• The Lincoln CareCompassSM provides benefits for health screenings, and offers benefits for the unmet, often emotional needs of the employee and family members.• family care Benefit - pays a $25 benefit for child care expenses while a covered person is confined for a covered event/illness• critical illness assessment Benefit – pays $50 per insured per calendar year for a number of assessment tests including bone marrow testing, breast ultrasound, chest x-ray and more.

advocate Services Provides a health advocate to assist covered person in navigation through the health care system. Services include:• care coordination among physicians and medical institutions• help identify primary and specialist physicians, hospitals, and related healthcare providers• help identify providers for member’s rare, serious or complex medical conditionsSupport Services Provides services to address the emotional and supportive service needs of claimants and their caregivers. Services include:• referrals to appropriate community resources, support group and providers• consumer credit counseling for questions related to managing debt, making informed spending choices, developing long-term financial plans and constructing a budget• assistance with locating information resources and referrals related to child care options and educational resources, chore and handyman services moving or relocation services, apartment locators

14

Voluntary BenefitS - lincoln acciDent inSurance high anD loW oPtionAccident insurance from Lincoln Financial can pay lump-sum benefits based on the injury you receive and the treatment youneed, including emergency-room care and related surgery. The benefit can help offset the out-of-pocket expenses that medical insurance does not pay, including deductibles and co-pays. features include:• Benefits are paid for multiple injuries related to a single accident• You can keep your coverage even if you leave your company• Coverage is Guarantee Issue• Fully portable• Benefit options:• Sickness hospital confinement - if you are confined to a hospital as the result of a sickness, you will receive a daily confinement benefit of $200 for up to 30 days.• 1st hospital admission Benefit - if you are admitted to the hospital as the result of a covered sickness, you will receive the $1,000 benefit once per calendar year.• health assessment Benefit - if you undergo a defined health assessment, an optional $50 benefit will be paid.

Below is an example of how Accident Insurance coverage can help you with your expenses:Kelly chooses Accident Insurance from the plan benefits her employer is offering. Ten months later,she is traveling to work and is involved in a car accident where she is taken to the hospital. Lincoln Financial Accident insurance policy wouldprovide the following benefits:Ambulance Service: $150Hospital Admission: $1,000Fractured Collarbone (non-surgery): $350Fractured Hip (non-surgery): $1,500total cash Benefits: $3,000

15

conemaugh health SyStem Benefit contact/acceSS information

Benefit Phone WebsiteHealth Care - Highmark www.highmarkbcbs.com• Member Service: 1-800-472-1506 (benefits, claims, HRA, replacement of ID card, etc.)• Pre-certifications: 1-800-472-1506• Pre-certifications for Mental 1-800-258-9808Health & Substance AbuseDental - United Concordia 1-800-332-0366 www.ucci.comVision - National Vision Administrators (NVA) 1-800-672-7723 www.e-nva.comFlexible Spending Account (FSA) - bswift 1-866-365-2413 www.conemaughbenefits.bswift.com Universal Life - Lincoln Financial 1-800-423-2765 www.LincolnFinancial.comCritical Illness - Lincoln Financial 1-800-423-2765 www.LincolnFinancial.comAccident - Lincoln Financial 1-800-423-2765 www.LincolnFinancial.comEmployee Benefit Portal – bswift www.conemaughbenefits.bswift.com

16

LifePoint 401(k) - Wells Fargo 1-800-728-3123 www.wellsfargo.com

17

noteS

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

E X C E L L E N C E . E V E RY PAT I E N T. E V E RYT IME .