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Where to Go for More Info A tool you can use to get the answers you need January 2007 Important Benefits Information Distribution: Active and retired employees of all AT&T companies. NIN: 78-9121

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Where to Go for More InfoA tool you can use to get the answers you need

January 2007

Important Benefits Information

Distribution: Active and retired employees of all AT&T companies.

NIN: 78-9121

Where to Go for More Info Page 2

CONTENTSQuestions and answers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

ContaCt information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Adoption Reimbursement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

CarePlus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Commuter Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Dental . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

Disability (Short-Term and Long-Term), Workers’ Compensation and Job Accommodations . . . . . . . 5

Employee Assistance Plan/Employee and Family Assistance Program . . . . . . . . . . . . . . . . . . . . . . . . 6

Employee Concessions/Discounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

Flexible Spending Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

International Expatriate and Impatriate Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Leaves of Absence . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Long-Term Care . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Medical . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

Mental Health, Chemical Dependency and Substance Abuse . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

Prescription Drugs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

Savings and Security Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17

Stock Options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17

Vision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Voluntary Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Work/Life Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Changes to reCords . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

AT&T Beneficiary Designation Forms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

Death of Employee, Retiree, Inactive Employee and/or Eligible Dependent . . . . . . . . . . . . . . . . . . . 20

Active Employee Address Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20

Retiree and Inactive Employee Address Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21

Common resourCes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22

AT&T Health Benefits Enrollment Center (AT&T’s Eligibility and Enrollment Vendor) . . . . . . . . . . . . . 22

Fidelity Service Center Web Site . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23

glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24

Legend

‡ web site 2 fax * e-mail ( telephone ¡ hours of availabilty

Where to Go for More Info Page 3

QUESTIONS AND ANSWERSwhat information is included in this guide?This is a one-stop reference guide for frequently called numbers, Web site addresses and otherimportant AT&T benefits contact information .

how do i use this guide?It’s simple . Refer to this guide anytime you need contact information for employee benefits,concessions or other programs . The following contact information is organized to make it easy foryou to use . Here is how you look up a contact: 1 . Find the type of benefit, concession or other program — e .g ., medical, prescription drugs

or commuter . 2 . Find the claims administrator and contact information given with the program information . 3 . Included in this information, you will find available Web site addresses, telephone numbers,

hours of operation and mailing addresses .

To access the Where to Go for More Info guide from work, go to hronestop .att .com and choose the Benefits link located on the left-hand side . Click the where to go for more info button on the right navigation bar . From home, visit the Benefits section of http://access .att .com and click the where to go for more info button on the right navigation bar .

imPortant: when reviewing the contact information, remember that at&t offers a wide variety of benefits, concessions and other programs and that you may not be eligible to participate in every program listed in this guide . Please verify your eligibility for (or participation in) a program before taking any action .

• For eligibility and enrollment matters regarding health and life insurance programs, visit http://resources .hewitt .com/att (AT&T Health Benefits Enrollment Web site), or call the AT&T Health Benefits Enrollment Center at 1-877-722-0020 (domestic) or +1-847-883-0866 (international) .

• For information on eligibility to participate in savings and pension plans, visit the Fidelity Service Center Web site at http://netbenefits .fidelity .com (Fidelity’s NetBenefits Web site) or call 1-800-416-2363 (domestic) . International callers should dial your country’s toll-free direct access number and enter 800-416-2363 . Hearing-impaired callers should dial 1-888-343-0860 .

• For all other programs, concessions or plans, or for information not regarding eligibility and enrollment for health and life insurance programs, refer to the contact information listed in this guide for the particular program .

Where to Go for More Info Page 4

CONTACT INFORMATION

adoption reimbursement*adoption reimbursement Program administratorat&t health Benefits enrollment Center100 Half Day RoadP .O . Box 1474Lincolnshire, IL 60069-1474

For information on adoption reimbursement and eligibility, call the at&t health Benefits enrollment Center .

( 1-877-722-0020 (domestic)

( +1-847-883-0866 (international)

¡Monday through Friday from 7 a .m . to 7 p .m . Central time

CarePlus* unitedhealthcareAT&T CarePlus PlanP .O . Box 30571Salt Lake City, UT 84130-0571

For general information, to confirm whether a specific procedure is covered under CarePlus or to obtain preapproval for a procedure:

(1-877-261-3340 (domestic)

(+1-877-246-8173 (international)

¡Monday through Friday from 7 a .m . to 7 p .m . Central time

For information on eligibility:

(1-877-722-0020 (domestic)

(+1-847-883-0866 (international)

¡Monday through Friday from 7 a .m . to 7 p .m . Central time

Commuter Benefit*wageworks

‡http://www .wageworks .com

*help@wageworks .com

(1-877-924-3967

¡Monday through Friday from 7 a .m . to 7 p .m . Central time, excluding holidays

*Certain employment status restrictions may apply .

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Where to Go for More Info Page 5

dentalCigna dental

at&t dental service Center(Excludes Puerto Rico bargained employees .) P .O . Box 188040Chattanooga, TN 37422

at&t dental service Center(For Puerto Rico bargained employees only .)P .O . Box 188035Chattanooga, TN 37422

orthodontia claims already in progress for pre-merger at&t employees:CIGNA DentalAttn: Lyn BoyntonP .O . Box 1068Visalia, CA 93278

‡http://www .mycigna .com

(1-888-722-5505

¡Monday through Friday from 7 a .m . to 7 p .m . Central time

disability (short-term and long-term), workers’ Compensation and Job accommodationssedgwick Claims management servicesat&t integrated disability service CenterP .O . Box 61569King of Prussia, PA 19406-1569

( For more information, call the at&t integrated disability service Center at 1-866-276-2278 .

¡ Monday through Friday from 7 a .m . to 7 p .m . Central time

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Where to Go for More Info Page 6

employee assistance Plan/employee and family assistance Program note: This service is separate and distinct from any mental health, chemical dependency and substance abuse coverage that may be available through your company-offered non-HMO medical program .

ValueOptions

‡https://www .achievesolutions .net/att

( 1-800-554-6701

¡ Available 24 hours a day, seven days a week

employee Concessions/discountsPre-merger sBC active or retired employees:telephone Concession – inside the at&t 13-state region

Direct questions regarding your concessions, employee offers — e .g ., AT&T Yahoo! DSL, AT&T Yahoo! Dial-up, AT&T | DISH Network (retirees not eligible to participate at this time), AT&T Unified Messaging, Cingular Wireless — to the Regional Customer Service Center for customer assistance .

at&t midwest region

( 1-888-746-4343

¡ Tuesday through Friday from 7 a .m . to 7 p .m . Central time

at&t southwest region

( 1-800-586-6783

¡ Monday through Friday from 8 a .m . to 6 p .m . Central time

at&t west California

( 1-800-696-8833

¡ Monday through Friday from 8 a .m . to 5 p .m . Pacific time

at&t west nevada

( 1-877-469-2355

¡ Monday through Friday from 8 a .m . to 5:30 p .m . Pacific time

at&t east region

( 1-866-368-4559

¡ Monday through Friday from 7:30 a .m . to 7 p .m . Eastern time

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Where to Go for More Info Page 7

woodbury telephone

( 1-866-273-1104

¡ Monday through Friday from 8 a .m . to 6 p .m . Eastern timePre-merger sBC retired employees:telephone Concession – outside the at&t 13-state region (retiree Plans)

acordia national

( 1-800-542-8515

¡ Monday through Friday from 8 a .m . to 7 p .m . Eastern time

Pre-merger at&t active employees:

‡ Current Plan policies and a new reimbursement form are located in the at&t telephone Concession section of hronestop at https://intra .att .com/employeeofferings .

( For questions regarding your telephone concession plan, contact hronestop at 1-888-722-1787 and say “policy .”

Pre-merger at&t retired employees:Direct questions regarding your telephone concession plan to:

acordia national P .O . Box 11296Charleston, WV 25339-1296

( 1-888-251-0645

¡ Monday through Friday from 8 a .m . to 6 p .m . Eastern time

Where to Go for More Info Page 8

flexible spending accounts (Excludes employees located in Puerto Rico .)

shPsSHPS Spending AccountsP .O . Box 34740Louisville, KY 40232-4740

‡http://www .myshps .com

( 1-877-358-0302 (domestic)

( +1-502-267-3399 (international)

( 1-800-952-0450 (hearing-impaired)

2 1-866-643-2219

¡ Monday through Friday from 7 a .m . to 7 p .m . Central time

¡ The IVR is available 24 hours a day, seven days a week .

international expatriate and impatriate Benefits (medical , prescription drugs, dental and vision)Cigna international590 Naamans RoadClaymont, DE 19703 USA

¡ The following numbers are available 24 hours a day, seven days a week:

( 1-800-441-2668 (If dialing internationally, use that country’s AT&T direct access number .)

( 1-302-797-3100 (Reverse charges accepted .)

( +1-800-243-6998 (If dialing internationally use that country’s AT&T direct access number .)

2 1-302-797-3150

‡Member Web site: www .cigna .com/expatriates (Registration is required . Secure mail is available at this site .)

leaves of absenceFor information regarding leaves of absence, use the following resources in the order listed: • Your immediate supervisor . • Go to the Benefits home page, and select leaves of absence in the your home

and work life section . • If you need additional information, contact hronestop at 1-888-722-1787 .

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Where to Go for More Info Page 9

life insuranceat&t health Benefits enrollment Center100 Half Day RoadP .O . Box 1474Lincolnshire, IL 60669-1474

‡http://resources .hewitt .com/att

( 1-877-722-0020 (domestic)

( +1-847-883-0866 (international)

¡ Monday through Friday from 7 a .m . to 7 p .m . Central time

long-term CareJohn hancock life insurance CompanyGroup Long-Term Care Department B-6P .O . Box 111Boston, MA 02117

‡http://att .jhancock .com (username: t; password: mybenefit)

( 1-800-247-3020 (domestic)

( +1-617-572-0048 (international)

( 1-800-255-1808 (hearing-impaired)

¡ Monday through Friday from 7:30 a .m . to 5:30 p .m . Central time

Pre-merger at&t Bargained employees and retirees:metropolitan life insurance CompanyLong-Term Care GroupP .O . Box 937Westport, CT 06881-0937

( 1-800-438-6388 (domestic)

( 1-800-638-1004 (hearing-impaired)

¡ Monday through Friday from 7 a .m . to 10 p .m . Central time

‡www .metlife .com/mybenefits (You will need to create a User ID and password .)

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Where to Go for More Info Page 10

medical Blue Cross and Blue shield of illinois (Pre-merger sBC: Consumerwise Medical plan, Ameritech Comprehensive Health Care Plan – PPO/Non-PPO Plan)(Pre-merger at&t: Self-insured HMO participants in California, Illinois, Iowa, North Carolina, and Upstate New York)P .O . Box 805107Chicago, IL 60680-4112

* Secure e-mail messaging is available at http://www .bcbsil .com/att 24 hours a day, seven days a week .

( For information on providers, claims, benefits, explanation of benefits, ID cards, health and wellness information and more, call 1-800-621-7336, or go to http://www .bcbsil .com/att .

¡ The customer service center is available Monday through Friday from 7 a .m . to 7 p .m . Central time . During off hours, the VRU is available Monday through Friday from 7 a .m . to 8 p .m . and on Saturday from 8 a .m . to noon .

( 1-800-621-0965 (for medical services requiring precertification)

¡ The precertification line is available Monday through Friday from 8 a .m . to 5 p .m . Central time .

nurselineBlue Cross and Blue Shield of Illinois provides this line to answer questions about a variety of medical subjects and situations .

( 1-800-299-0274

¡ Available 24 hours a day, seven days a week .

horizon Blue Cross and Blue shield of new Jersey (occupational Pos Participants in new Jersey, upstate new york and minnesota)P .O . Box 1219Newark, NJ 07101-1219

*Secure e-mail messaging is available at http://www .horizonblue .com /nationalaccounts 24 hours a day, seven days a week .

( For information on providers, claims, benefits, explanation of benefits, ID cards, health and wellness information and more, call 1-800-828-5894 or go to http://www .horizonblue .com/nationalaccounts .

( 1-800-664-2583 (for medical services requiring precertification)

¡ The customer service center is available Monday through Friday from 8:30 a .m . to 6:30 p .m . Central time . During off hours, the VRU is available Monday through Friday from 7 a .m . to 8 p .m . and on Saturday from 8 a .m . to noon .

¡ The precertification line is available Monday through Friday from 8 a .m . to 5 p .m . Central time .

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Where to Go for More Info Page 11

horizon Blue Cross and Blue shield of new Jersey (occupational self-insured hmo Participants in new Jersey)P .O . Box 728Newark, NJ 07101-0728

* Secure e-mail messaging is available at http://www .horizonblue .com /nationalaccounts 24 hours a day, seven days a week .

( For information on providers, claims, benefits, explanation of benefits, ID cards, health and wellness information and more, call 1-800-828-5894 or go to http://www .horizonblue .com/nationalaccounts . All hospital admissions will be precertified by your primary care physician .

¡ The customer service center is available Monday through Friday from 8:30 a .m . to 6:30 p .m . Central time . During off hours, the VRU is available Monday through Friday from 7 a .m . to 8 p .m . and on Saturday from 8 a .m . to noon .

Blue Cross and Blue shield of georgia (occupational Pos Participants in georgia)P .O . Box 9907Columbus, GA 31908-6007

* Secure e-mail messaging is available at http://www .bcbsga .com 24 hours a day, seven days a week .

( For information on providers, claims, benefits, explanation of benefits, ID cards, health and wellness information and more, call 1-800-628-3988 or go to http://www .bcbsga .com .

( 1-800-662-9023 (for medical services requiring precertification)

¡ The customer service center is available Monday through Friday from 8:30 a .m . to 6:30 p .m . Central time . During off hours, the VRU is available Monday through Friday from 7 a .m . to 8 p .m . and on Saturday from 8 a .m . to noon .

¡ The precertification line is available Monday through Friday from 8 a .m . to 5 p .m . Central time .

nurselineBlue Cross and Blue Shield of Georgia provides this line to answer questions about a varietyof medical subjects and situations .

( 1-888-724-Blue (2583)

¡ Available 24 hours a day, seven days a week .

Where to Go for More Info Page 12

unitedhealthcare (Customcare/at&t medical Plan) P .O . Box 30557Salt Lake City, UT 84130-0557

‡ http://www .myuhc .com (for information on claims, benefits, explanation of benefits, ID cards, search for hospitals, physicians, specialists and more)

( 1-866-705-9767 (AT&T Medical Plan)

( 1-877-506-7221 (network and non-network)*

( 1-877-921-7222 (outside network area, MPR and MEP)*

( +1-877-246-8173 (international – all programs)

( 1-877-449-6611 (hearing-impaired – all programs)

¡ The customer service center is available Monday through Friday from 7 a .m . to 7 p .m . Central time, except some holidays .

¡ The IVR is available 24 hours a day, seven days a week .

*For all programs except the AT&T Medical Plan.

For medical services requiring precertification, preauthorization or prenotification .

( 1-866-705-9767 (AT&T Medical Plan)

( 1-877-506-7221 (network and non-network)

( 1-877-921-7222 (outside network area and PPO/non-PPO)

¡ Monday through Friday from 8 a .m . to 5 p .m . Central time, except some holidays

Optum NurseLineUnitedHealthcare provides this line to answer questions about a variety of medical subjectsand situations .

( 1-866-705-9767 (AT&T Medical Plan)

( 1-877-506-7221 (network and non-network)

( 1-877-921-7222 (outside network area and PPO/non-PPO)

¡ Available 24 hours a day, seven days a week .

Where to Go for More Info Page 13

unitedhealthcareP .O . Box 740800 Atlanta, GA 30374−0800

‡ http://www .myuhc .com (for information on claims, benefits, explanation of benefits, ID cards, search for hospitals, physicians, specialists and more)

( 1-800-842-6562 (pre-merger AT&T Choice, Choice Plus plans)

( 1-800-334-2400 (pre-merger AT&T plans – indemnity)

( +1-877-246-8173 (international – all programs)

( 1-877-449-6611 (hearing-impaired – all programs)

¡ The customer service center is available Monday through Friday from 7 a .m . to 7 p .m . Central time, except some holidays .

¡ The IVR is available 24 hours a day, seven days a week .

For medical services requiring precertification, preauthorization or prenotification .

( 1-800-424-4288 (pre-merger AT&T plans)*

¡ Monday through Friday from 8 a .m . to 5 p .m . Central time, except some holidays

Optum NurseLineUnitedHealthcare provides this line to answer questions about a variety of medical subjectsand situations .

( 1-800-842-6562 (pre-merger AT&T Choice and Choice Plus plans)

( 1-800-334-2400 (pre-merger AT&T plans – Indemnity)

¡ Available 24 hours a day, seven days a week .

Pre-merger at&t bargained employees and retirees aged 65 or less:aetna – hmo PlansP .O . Box 981107El Paso, TX 79998-1107

active and retired management employees aged 65 or less in new Jersey, washington, d .C ., area or georgia:aetna – ePo PlansP .O . Box 981106El Paso, TX 77998-1106

* Secure e-mail messaging is available at www .aetna .com .

( For information on providers, claims, benefits, explanation of benefits, ID cards, medical services requiring precertification, health and wellness information and more, call 1-800-288-8742 .

‡ Online information on available providers, visit http://www .aetna .com/docfind/custom/att/index .html .

¡ The customer service center is available Monday through Friday from 7 a .m . to 5 p .m . Central time .

Where to Go for More Info Page 14

nurselineAetna provides this line to answer questions about a variety of medical subjects and situations .

( 1-800-556-1555

¡ Available 24 hours a day, seven days a week .

Pre-merger at&t retired employees who are medicare-eligible only: aetnamedicare advantageP .O . Box 981107El Paso, TX 79998-1107

* Secure e-mail messaging is available at www .aetna .com .

( For information on providers, claims, benefits, explanation of benefits, ID cards, health and wellness information and more, call 1-800-282-5366 .

( For medical services requiring precertification, call 1-800-624-0756 .

‡ For online information on available providers, visit http://www .aetna .com .

¡ The customer service center is available Monday through Friday from 7 a .m . to 8 p .m . Central time .

nurselineAetna provides this line to answer questions about a variety of medical subjects and situations .

( 1-800-556-1555

¡ Available 24 hours a day, seven days a week .

Pre-merger at&t active bargained employees only:

( Consumers’ Medical Resource 1-888-426-7435

‡www .consumersmedical .com

Where to Go for More Info Page 15

mental health, Chemical dependency and substance abuseFor precertification for non-Medicare-eligible participants or referrals, contact ValueOptions .

ValueOptions (CustomCare)P .O . Box 1860Latham, NY 12110

https://www .achievesolutions .net/att

( 1-800-554-6701

¡ The IVR is available 24 hours a day, seven days a week .

Blue Cross and Blue shield of illinois (Consumerwise)P .O . Box 805107Chicago, IL 60680-4112

‡http://www .bcbsil .com/att

( 1-800-621-7336

¡ The customer service center is available Monday through Friday from 7 a .m . to 7 p .m . Central time .

( 1-800-851-7498 (precertification for inpatient medical care)

¡ The precertification line is available Monday through Friday from 8 a .m . to 5 p .m . Central time .

united Behavioral health (For employees enrolled in the AT&T Medical Plan – Consumer Driven Health Plan through UnitedHealthcare)P .O . Box 30755Salt Lake City, UT 84130-0755

‡http://www .myuhc .com (health topics, mental health/substance abuse, liveandworkwell)

( 1-866-705-9767

( +1-877-246-8173 (international)

( 1-877-449-6611 (hearing-impaired)

¡ The customer service center is available Monday through Friday from 7 a .m . to 7 p .m . Central time, except some holidays .

¡ The IVR is available 24 hours a day, seven days a week

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Where to Go for More Info Page 16

Pensionfidelity service CenterP .O . Box 770003 Cincinnati, OH 45277-0065

‡http://netbenfits .fidelity .com (Fidelity’s NetBenefits Web site)

( 1-800-416-2363 (domestic)

( Dial your country’s toll-free AT&T direct access number, then enter 800-416-2363 (international) .

( 1-888-343-0860 (pension plan/hearing-impaired)

( 1-888-610-4015 (savings plan/hearing-impaired)

for pre-merger at&t active and retired employees:AT&T Pension Service CenterPension Service CenterPO Box 770Arlington Heights, IL 60006

( 1-800-Pen-7779 (800-736-7779)

¡ PSC Representatives will be able to assist employees Monday through Friday from 8 a .m . to 5 p .m . Central time .

( international locations: To contact the PSC from international locations without 800 number access, call the PSC direct or collect at 847-806-1101, Monday through Friday from 8 a .m . to 5 p .m . Central time .

*Send e-mail to PSC at: pensionquest@aoncons .com

‡https://www .attpsc .com (The PSC Online)

Prescription drugsCaremarkAT&T Dedicated UnitP .O . Box 686005San Antonio, TX 78268-6005

‡http://www .caremark .com

( 1-800-378-8851

( 1-800-231-4403 (hearing-impaired)

¡ Monday through Friday from 7 a .m . to 11 p .m . and Saturday from 7 a .m . to 5 p .m . Central time, except some holidays

¡ The IVR is available 24 hours a day, seven days a week .

To access the Web site, you must be a registered user, and you will need your username and password . If you’re not registered, select not registered and follow the instructions listed . The group code is attrX .

To access the IVR or to speak to a service associate, you will need the Social Security number of the primary member .

If you have a claim or wish to use the mail service program, claim forms and/or mail service order forms are available via the Web site or by phone . Mailing addresses are listed on the form .

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Where to Go for More Info Page 17

savings and security Plansfidelity service CenterP .O . Box 770003Cincinnati, OH 45277-0065

‡http://netbenefits .fidelity .com (Fidelity’s NetBenefits Web site)

( 1-800-416-2363 (domestic)

( Dial your country’s toll-free direct access number, then enter 800-416-2363 (international) .

( 1-888-343-0860 (pension plan/hearing-impaired)

( 1-888-610-4015 (savings plan/hearing-impaired)

stock optionsmerrill lynch

( 1-888-722-6767

‡www .benefits .ml .com Computershare

‡http://computershare .com

* att@computershare .com

¡ The Web site is available 24 hours a day, seven days a week .

shareowner hotline

( 1-800-351-7221 (domestic)

( +1-816-843-4280 (international)

( 1-888-403-9700 (hearing-impaired)

¡ Monday through Friday from 8 a .m . to 7 p .m . Central time

written requestsAll account inquiries and other requests for assistance regarding your common stock ownership should be sent to:

at&tc/o ComputershareP .O . Box 43078Providence, RI 02940-3078

Requests for transactions involving stock transfers or account changes should be sent to:

at&tc/o ComputershareP .O . Box 43070Providence, RI 02940-3070

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Where to Go for More Info Page 18

VisionVision service Plan P .O . Box 997105Sacramento, CA 95899-7105

‡http://www .vsp .com

( 1-866-221-8372

( 1-800-428-4833 (hearing-impaired)

¡ The IVR is available 24 hours a day, seven days a week .

¡ Service associates are available Monday through Friday from 8 a .m . to 9 p .m . Central time .

Pre-merger at&t active bargained employees:Cole VisionCole Managed VisionP .O . Box 8504Mason, OH 45040-7111Attn: Claims Dept .

( 1-800-334-7591

Voluntary Benefits (For active and retired management employees only .)

marsh Voluntary Benefits

‡www .personal-plans .com/att

( 1-866-909-5149

¡ Monday through Friday between 7 a .m . and 5 p .m . Central time

work/life ProgramlifeCare

‡www .lifecare .com

( 1-800-873-4636

¡ Available 24 hours a day, seven days a week .

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits Adoption

DisabilityVision Prescription

DrugsDental

Tuition Aid

Savings Plans

CarePlus

Medical

Flexible Spending Accounts

Leave of Absence

Long-Term Care

Pension

Mental Health/ Chemical Dependency

Life Insurance

Employee Assistance Plan

Product Concessions

Paid Time Off

General Benefits

Commuter

1-Color Benefits Icons Version 02.20.02 EMS

Use SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.

stock options shares of stock workers compensation

LifeCare

Wellness Web site Expats

Voluntary Benefits

Where to Go for More Info Page 19

CHANGES TO RECORDSAT&T Beneficiary Designation Forms

It’s important that you name the people, estate or trust that will receive the proceeds of your benefits programs (for example, final unpaid compensation and benefits, life insurance, pension, savings and stock ownership plan benefits) in the event of your death .

If you have not completed an AT&T Beneficiary Designation Form or if you wish to change your beneficiary on file, you can:

• Order the form through Fidelity’s NetBenefits Web site at http://netbenefits .fidelity .com . • Order the form by phone through the Fidelity Service Center . An AT&T Beneficiary Designation

Form will be mailed to you within three business days . • The AT&T Beneficiary Designation Form applies to most but not all AT&T-provided benefits .

Carefully review the AT&T Beneficiary Designation Form and the accompanying instructions to determine whether it applies to all of your benefits .

note: You will need your Fidelity Service Center PIN and Social Security Number/customer ID when you access the Fidelity NetBenefits Web site or IVR .

fidelity service CenterP .O . Box 770003Cincinnati, OH 45277-0088

‡http://netbenefits .fidelity .com (Fidelity’s NetBenefits Web site)

( 1-800-416-2363 (domestic)

( Dial your country’s toll-free AT&T direct access number, then enter 800-416-2363 (international) .

( 1-888-343-0860 (hearing-impaired)

Where to Go for More Info Page 20

Death of Employee, Retiree, Inactive Employee and/or Eligible Dependent

Contact the Fidelity Service Center to report the death of an employee, a retiree, an inactive employee and/or an eligible dependent .

fidelity service CenterP .O . Box 770003Cincinnati, OH 45277-0065

‡http://netbenefits .fidelity .com (Fidelity’s NetBenefits Web site)

( 1-800-416-2363 (domestic)

( Dial your country’s toll-free AT&T direct access number, then enter 800-416-2363 (international)

( 1-888-343-0860 (hearing-impaired)

Active Employee Address Changes

It’s important to keep your work and home addresses current because the majority of your benefits, payroll or similar information is sent to these addresses . Please include any room, cubicle or suite number that will help make mail-routing more efficient .

For employees with access to the employee intranet, go to http://myintranet .att .com to review and/or update your:

HOME address: 1 . Go to hronestop at http://hronestop .att .com, and select elink in the left navigation bar . 2 . From the elink home page, select elink self service web in the left navigation bar . 3 . Enter your AT&T User ID and elink password . (If you forgot or need to reset your eLink Web

password, select reset Password on the elink self service page .) 4 . Select update address and Phone numbers from the main menu . Under address type,

select Permanent residence and choose Change . Make any necessary changes to your home address and choose save . If you don’t have changes, just choose save .

WORK address: 1 . Go to http://myintranet .att .com on the employee intranet . 2 . Review your work address information in Webphone by looking up your name in the Phone

directory section on the home page . 3 . If you have changes, contact your supervisor or elink assistant . Remember to include any

room, cubicle or suite number that will help make mail-routing more efficient .

For employees without access to the employee intranet, contact your supervisor or elink assistant .

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Retiree and Inactive Employee Address Changes

(Includes LTD recipients, leave of absence participants and COBRA participants .)

It’s important that you keep your home address up to date so that you continue to receive correspondence from AT&T and from the various vendors that administer your benefits . If you need to change your current home address, contact the following vendors:

If you have a pension account, contact the AT&T Pension Service Center (PSC) at:

( 1-800-Pen-7779 (1-800-736-7779)

‡https://www .attpsc .com

( To contact the AT&T PSC from an international location without an 800-number access, call the PSC direct or collect at 847-806-1101 .

¡ Service associates are available Monday through Friday from 8 a .m . to 5 p .m . Central time .

If you have a savings account, contact the Fidelity Service Center at:

fidelity service CenterP .O . Box 770003Cincinnati, OH 45277-0065

‡http://netbenefits .fidelity .com (Fidelity’s NetBenefits Web site)

( 1-800-416-2363 (domestic)

( Dial your country’s toll-free direct access number, and then enter 800-416-2363 (international) .

( 1-888-343-0860 (pension plan/hearing-impaired)

¡ Service associates are available Monday through Friday, 7:30 a .m . to 11 p .m . Central time . Fidelity’s automated voice response system is available 24 hours a day, seven days a week .

note: You will need your Fidelity Service Center PIN and Social Security Number/customer ID when you access the Fidelity NetBenefits Web site or IVR .

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COMMON RESOURCESIn addition to the contacts listed, the following benefits information resources are available:

n at&t health Benefits enrollment Center . This is your one-stop contact for eligibility and enrollment information for AT&T health and life insurance programs . Access the AT&T Health Benefits Enrollment Web site or call the service center to obtain information about enrollment, eligibility, cost of coverage, administration, participating doctors and dentists, life events and billing and general information about the following benefits programs:

• Adoption Reimbursement • CarePlus • COBRA • Commuter Benefit • Dental • Flexible Spending Accounts • Group Life Insurance • Long-Term Care • Medical • Medicare Part B Reimbursement • Medicare Part D Prescription Drug Benefit • Mental Health, Chemical Dependency and Substance Abuse • Prescription Drugs • Vision

In addition to the above, you can access the AT&T Health Benefits Enrollment Web site to e-mail your question(s) directly by selecting Contact us and then send a Question to a Benefits representative online . You’ll receive an e-mail response from an AT&T Health Benefits Enrollment Center service associate within 24 hours (excluding weekends and holidays) .

Visit http://resources .hewitt .com/att (AT&T Health Benefits Enrollment Center Web site) or call the AT&T Health Benefits Enrollment Center at 1-877-722-0020 (domestic) or +1-847-883-0863 (international) . AT&T Health Benefits Enrollment Center service associates are available Monday through Friday from 7 a .m . to 7 p .m . Central time . An interactive voice response system (IVR) is available 24 hours a day (except Sunday from 1 a .m . to noon Central time and, periodically, during the week for one hour between midnight and 5 a .m . for maintenance and updates) .

To access the Web site or IVR or to speak to a service associate, you will need your AT&T Health Benefits Enrollment Center User ID and password .

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n fidelity service Center web site . The Fidelity Service Center Web site (NetBenefits), automated voice response system and service center are for AT&T’s savings and stock ownership plans .

Visit the Fidelity Service Center Web site at http://netbenefits .fidelity .com (NetBenefits), or call toll-free at 1-800-416-2363 (domestic) . International callers should dial your country’s toll-free direct access number and enter 800-416-2363 . Hearing-impaired callers should dial 1-888-343-0860 .

The Web site and automated voice response system are available 24 hours a day, seven days aweek . Fidelity service associates are available weekdays from 7:30 a .m . to 11 p .m . Central time .

To access information or execute a transaction, participants will need their Social Security Number/ customer ID and PIN .

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GLOSSARYfsa - Flexible Spending Account

hmo - Health Maintenance Organization

iVr - Interactive Voice Response System

ltd - Long-Term Disability

meP - Medical Expense Plan

Pin - Personal Identification Number

PPo - Preferred Provider Organization

shPs - FSA claims administrator; this is the actual company name