WELL-BEING GUIDE: LOOK AHEAD TO STAY ON TRACK

STAY MOTIVATED VIEW OUR RESULTS FIND A PRIMARY CARE DOC GET EMOTIONAL SUPPORT BE A SAVVY SAVER HELP KIDS IN NEED

At the half-way mark in the year, you’ve been working hard toward your well-being goals, using your health risk assessment (HRA) results to guide your focus. Even if you’ve made great progress, it’s important to continue looking ahead and keep up the motivation to stay on track. The Hartford is here to help.

In this guide, see how we’re doing together, as a company, in improving our well-being. Also, learn about specific benefits, resources and tools that can help you:

Stay well and prevent health problems

Manage life’s challenges, calm your mind and reduce stress

Protect your retirement savings

Boost your giving spirit

A number of other well-being programs are available to you, as well. Get details in the My Wellness at Work eBook, and if you have questions, call 1-855-651-2910, Monday through Friday, 8 a.m. to 11 p.m. ET or weekends, 9 a.m. to 6 p.m. ET.

KEEP UP THE GREAT WORK.

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STAY MOTIVATED VIEW OUR RESULTS FIND A PRIMARY CARE DOC GET EMOTIONAL SUPPORT BE A SAVVY SAVER HELP KIDS IN NEED

Have normal blood pressure Are able to manage stress well

2013 34% 2013 79%2016 52% 2016 85%

Have normal blood glucose levels Are not using tobacco

2013 73% 2013 94%2016 84% 2016 95%

Consume the right amount of fat in our diets Are receiving mammograms

2013 64% 2013 52%

2016 72% 2016 61%

Eat enough fruits and vegetables Are getting flu shots

2013 64% 2013 57%2016 72% 2016 70%

Get the recommended level of activity

2013 73%2016 75%

The company-wide results of this year’s health risk assessment (HRA) are in. Good news – they indicate that together, we’ve made notable improvements in all of the following areas over the last four years. Specifically, they show that we:

WE’RE GETTING BETTER TOGETHER.

Weight management is still a key focus.

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Two-thirds of employees who completed the HRA (66.5 percent) are considered

overweight or obese. This continues to be our most significant health risk.

We can lower this number together – The Hartford helps by offering a number of

weight management programs. Select the one best suited for your specific needs –

visit www.mywellnessmywork.com for details.

STAY MOTIVATED VIEW OUR RESULTS FIND A PRIMARY CARE DOC GET EMOTIONAL SUPPORT BE A SAVVY SAVER HELP KIDS IN NEED

Adults need a primary care physician (PCP) just as much as kids do. Scheduling an annual health exam – and establishing a long-term, ongoing relationship – with a PCP are essential to staying well. Your PCP can help you in a number of ways, including by:

• Providing preventive care and identifying health problems early when they’re smaller and easier to treat;

• Recommending screenings, like mammograms, prostate specific antigen (PSA) tests and routine blood tests;

• Making sure your immunizations are up-to-date (and administering any you may need);

• Providing guidance to help you meet your health goals (e.g., weight loss, fitness or general well-being);

• Treating many chronic medical conditions; and

• Helping you make decisions about health care services or treatment options.

DON’T HAVE A PCP?

You should select one. When you do get sick, you’ll generally pay less to see your PCP than you will at an urgent care center or emergency room. Plus, because your PCP is familiar with your health history, he or she may be better equipped to identify the appropriate treatment options.

Keep in mind these tips in selecting a PCP:

• Stay in-network. If you’re enrolled in The Hartford’s health plan, most preventive care is covered at 100 percent if you visit a physician who participates in the Anthem network. To locate an in-network physician, visit www.anthem.com and choose “Find a Doctor.”

• Find the right fit for you. Select a physician with the expertise and qualifications to meet your needs. In the “Find a Doctor” tool, select “Family General Practice.” You can further narrow your search by specialty, gender and recognitions/awards.

• Search for quality. Look for a physician with a “Blue Distinction Total Care” designation. This recognizes he or she spends more time with patients, coordinates care with other doctors and focuses on the best ways to help you get and stay healthy.

• Do your homework. Check to see if the physician is board certified. You can also find this information by visiting the website of the professional society for his or her specialty. Or you can visit www.Vitals.com to read more about his or her credentials, education and affiliations.

• Consider logistics. Choose a physician whose location and office hours are convenient for you.

• Schedule a consultation. Meet with the physician to discuss your health needs. Prepare a list of questions in advance.

• Trust your instincts. Make sure you’re comfortable with the physician and how you’re treated by the office staff.

STAY MOTIVATED VIEW OUR RESULTS FIND A PRIMARY CARE DOC GET EMOTIONAL SUPPORT BE A SAVVY SAVER HELP KIDS IN NEED

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PRIMARY CARE DOCS AREN’T JUST FOR KIDS.

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STAY MOTIVATED VIEW OUR RESULTS FIND A PRIMARY CARE DOC GET EMOTIONAL SUPPORT BE A SAVVY SAVER HELP KIDS IN NEED

IF YOU ARE... PROGRAM HOW IT WORKS HOW TO GET STARTED WHO’S ELIGIBLE

Experiencing anxiety or depression, problems with a family or work relationship, or trouble managing daily stressor,

A manager seeking guidance for an employee issue or support for your team during a challenging time

Employee Assistance Program (EAP)

Meet with a licensed therapist in your communityIf you’re in Connecticut, on-site counseling is available in the Hartford or Windsor health and well-being centers

Counselors are available to offer manager consultations by phone or in person

Call 1-800-563-4760,24 hours a day, seven days a week

Open to all employees, their spouses/domestic partners and/or dependent children up to age 26Each individual receives five free sessions per issue per calendar yearNo cost to managers

Experiencing stress, feeling anxious and need to talk to someone, but you’d rather not – or aren’t able to – be seen in a therapist’s office

LiveHealth Online® Psychology

Talk with a licensed psychologist or therapist from home, seven days a week from 7 a.m. to 11 p.m. Psychologists typically charge $95 per visit, and therapists typically charge $80 per visit1

Register on www.livehealthonline.com from a personal device (Smartphone, tablet or laptop)2

To protect your privacy, this site isn’t accessible from your work computer

Open to all employees and family members age 18+

Dealing with a substance abuse problem or mental health issue requiring medication, or seeking inpatient treatment

Behavioral health provider services*

* All services subject to precertification and based on medical necessity criteria

Receive coverage for treatment in inpatient, residential, partial hospitalization, intensive outpatient or outpatient settings1

To find an in-network behavioral health provider, log on to www.anthem.comNeed an immediate consultation? Call the Behavioral Health Resource Center, 24 hours a day, seven days a week to speak to a licensed clinician at no cost to you (limited to a one-time assessment)1-866-621-0554

Available for The Hartford health plan members

Looking to learn how to calm your mind, improve your focus or build resilience

Stress Less, Live More® program

Register for this 10-week online course, which is led by a live instructor, at no cost to you Earn four wellness points for completion

Log on to thehartford.emindful.com

Open to all employees

Finding sleep problems are affecting your daily routine

Sleepio Join this six-week online sleep improvement program at no cost to you Earn four wellness points for completion

Log on to www.sleepio.com/work/thehartford

Open to all employees and spouses/domestic partners

Seeking self-help information and resources

Live and Work Well website provided by Optum Health

Learn about topics to help support your health and well-being, relationships, education and career

Go to liveandworkwell.com and use the access code: TheHartford

Open to all employees, spouses/domestic partners and dependents

EMOTIONAL SUPPORT WHEN YOU NEED IT.

We all need a little help sometimes. From managing day-to-day stressors to handling life’s more significant challenges, you can be more successful with the right support. The Hartford offers a range of resources to help meet your specific needs – choose the one most appropriate for you.

1 If you’re in The Hartford’s health plan, part or all of the cost of these services may be applied toward your deductible. Once your deductible has been met, you may need to pay a coinsurance amount. See your coverage details in the applicable Summary Plan Description on the Benefits Resource Site.

2 LiveHealth Online® cannot be accessed from Alaska, Arkansas and Texas due to current state laws, but employees who live in these states can still register and use the service when traveling in other states.

As you watch your retirement nest egg grow, it may be tempting to tap into it, especially if you’re in a short-term crunch for cash. Although this may seem like a reasonable solution at the time, it can really stifle your long-term saving success.

Before you take a loan from your 401(k)/Investment and Savings Plan (ISP) account, be aware of these points:

• The interest rate you’ll pay on a loan may be lower than the possible earnings on your account’s investments, so you may miss out on potential investment growth. This could affect monthly income during retirement by hundreds of dollars per month.1

• To pay back the loan, you may be forced to reduce how much you’re contributing to your 401(k)/ISP from each paycheck – or stop contributing altogether – which will reduce your long-term retirement account balance.

• If you default on the loan (don’t pay it back), you’ll be taxed on the outstanding balance and will generally have

to pay an additional 10 percent penalty (if you’re under the age of 59 ½ ).2

• If you borrow from your before-tax savings, you may pay twice the income tax on the money. That’s because you’ll need to pay back the loan (principal plus interest) with “after-tax” income, and then the amount may be taxed again when you withdraw it at retirement.2

If you’ve already taken a loan, try to pay it back as quickly as possible. You can also repay your outstanding loan balance in full at any time. Learn more about your repayment options by calling the HR Service Center at 1-877-HR-AT-WORK (1-877-472-8967) and say “401(k)” at the prompt.

If you need help with your retirement savings strategy or have questions about repaying loans, talk with an Ayco financial coach at no cost to you. Call 1-866-217-8691 for assistance Monday through Friday, 9 a.m. to 5 p.m. ET, or to schedule an appointment for a coach to call you between 5 p.m. and 8 p.m. ET, Monday through Thursday.

IT DOESN’T PAY TO TAP INTO YOUR 401(k).

Become a savvy saver, earn wellness points.

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Watch a pre-recorded retirement planning webinar to learn more about saving

for your future – click the orange “view past webinars” box (best viewed in

Chrome). Then you can earn one wellness point by completing a short affidavit

on the My Wellness at Work site.

Remember, if you earn 10 wellness points in a quarter, you’ll receive a $150 credit

toward your next quarter’s health plan premiums.3 3 To be eligible to receive a premium credit, you must be enrolled in The Hartford’s health plan. Plan

members in Hawaii are not eligible for premium credits. In addition, to receive premium credits after Q1 2016, you must complete the health risk assessment.

STAY MOTIVATED VIEW OUR RESULTS FIND A PRIMARY CARE DOC GET EMOTIONAL SUPPORT BE A SAVVY SAVER HELP KIDS IN NEED

1 Fidelity Investments®, 2015.

2 Special tax rules may apply if the loan balance reflects after-tax or qualified Roth 401(k) savings. See the Summary Plan Description for details. Exceptions to the additional 10 percent penalty tax may also apply, so please consult with your tax or legal advisor for advice.

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

Boost your giving spirit by helping kids fill their backpacks as they head back to school this fall.

Through The Hartford’s Back-to-School Giving program, which will run from July 11 through early August, you’ll be able to:

• Donate school supplies, such as pens, pencils,and notebooks; or

• Volunteer to help coordinate a Back-to-SchoolGiving program or volunteer fair in yourlocal office.

Watch iConnect for more details about the program and how to participate.

OTHER REWARDS OF VOLUNTEERING

Sharing your time and talent for a great cause can also improve your well-being. People who volunteer say they feel healthier and have lower stress levels.1

You can also benefit from giving back to your community in the following ways all year long:

• Paid time off – You receive eight hours of paidtime off every year for volunteer work. Select“Volunteer Time” in the Time Reporting Codefield in your myHR timesheet.

• Rewards – By logging your volunteerhours in The Hartford’s volunteer website(accessible from your work computer only), youautomatically earn rewards that accumulatebased on the number of hours you volunteer.

• Wellness points – You can log your volunteeractivities on the wellness portal and earnup to four wellness points – one per activity.Remember, if you earn 10 wellness points in aquarter, you’ll receive a $150 credit toward yournext quarter’s health plan premiums.2

ABOUT THIS ISSUE

This guide is not intended to create, nor will it be construed to form, a contract or promise for a benefit. Participa-tion in the plans is subject to all applicable terms and conditions of the plans. Full details about the plans are provided in the official Plan Documents, which govern the operation of the plans. Any differences between this guide and the Plan Documents are not intended, but if any differences are found to exist, the Plan Documents will govern. The Hartford reserves the right, without your consent or concurrence, to amend, modify, suspend, replace or terminate the plans, in whole or in part, including any level or form of coverage or contribution amount, at any time.

16-0495 BR © June 2016 The Hartford. All rights reserved.

1 2013 Health and Volunteering Study, United Health Group2 To be eligible to receive a premium credit, you must be enrolled in The Hartford’s health plan. Plan members in Hawaii are not

eligible for premium credits. In addition, to receive premium credits after Q1 2016, you must complete the health risk assessment.

HELP KIDS IN NEED SUCCEED.

STAY MOTIVATED VIEW OUR RESULTS FIND A PRIMARY CARE DOC GET EMOTIONAL SUPPORT BE A SAVVY SAVER HELP KIDS IN NEED