MYBENEFITS

Updated January 2017

YOUR 2017 ENROLLMENT CHECKLISTFollow these steps to enroll for your 2017 benefits. Be sure to review pages 2 and 3 for decision support questions:

Learn more about the benefit options available to you.Go to roberthalfbenefits.com to see:

■■ 2017 Benefits Guide■■ Frequently Asked Questions■■ How to find a provider

Check out the Resource Center on mercermarketplace.com/roberthalf. On the website, you can:

■■ Find materials to help you make your decision.■■ Use the medical plan comparison tool to help you choose your medical plan.■■ Chat with a benefits counselor to get answers to your questions.

Review your current benefits coverage. If you’re already enrolled in benefits through Robert Half, log on to your account at mercermarketplace.com/roberthalf to see your current benefit elections.

Consider your coverage needs for 2017. See “WHICH COVERAGE IS RIGHT FOR YOU” on the next page for things to consider when choosing the right benefits for you and your family.

Submit your enrollment elections by your enrollment deadline.

mercermarketplace.com/roberthalf 855.879.6739

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Questions?

Call the Mercer Marketplace at 855.879.6739.

Benefit counselors are available:

Monday – Friday: 4 a.m. to 6 p.m. PT

When to Enroll■■ You must submit your benefit elections within 37 days from your date of hire.

■■ If you don’t enroll within 37 days of your hire date, you won’t be able to enroll for benefits until the next Open Enrollment period, unless you experience a qualified life event.

■■ If you experience a qualified life event during the year, you may enroll for coverage or make changes within 30 days of the event (examples of a qualified life event include marriage, divorce, birth/adoption of child or loss of other coverage). Your benefit elections or changes must be consistent with the event.

MYBENEFITS PAGE 2 YOUR 2017 ENROLLMENT CHECKLIST

Updated January 2017

WHICH COVERAGE IS RIGHT FOR YOU?As you consider your benefit options for 2017, ask yourself these questions to determine what coverage is right for you and your family:

Medical ■■ Do you rarely go to the doctor and want to pay the lowest per paycheck cost? Think about the $1,500 or $2,500 Deductible Plans. These plans have the lowest per paycheck contributions. With these plans, you can also take advantage of the company match* by contributing to the Health Savings Account (HSA) to help you pay for health care expenses.

■■ Do you want a plan with a low deductible? Think about the $400 or $900 Deductible Plans. These plans offer the lowest deductibles. However, you’ll pay higher per-paycheck contributions.

■■ Are you expecting a baby soon, or do you have a family member who needs ongoing medical treatment? Think about balancing lower paycheck costs vs. deductibles and out-of-pocket expenses.

Need more help? Use the medical plan comparison tool on the Mercer Marketplace website to help you estimate your out-of-pocket costs using real-life scenarios, and compare these costs under each of our medical plans. It’s a great (and easy) way to give each plan a virtual test drive, and see which one offers the right amount of coverage for the lowest out-of-pocket cost.

* Employees in the Salaried Professional Service program aren’t eligible for the company matching contributions.

Health Savings Account (HSA)

■■ Are you enrolling in the $1,500 or $2,500 Deductible Plans? If you enroll in these plans, Robert Half will put money in a Health Savings Account (HSA) to help you pay expenses. However, you only receive these company contributions* when you also contribute to your HSA. For every $1 you contribute, Robert Half will make a matching contribution of $0.50, up to $500 if you enroll in the $1,500 Deductible Plan and up to $1,000 if you enroll in the $2,500 Deductible Plan.

■■ The HSA: - Helps you save money on a pre-tax basis through payroll deductions - Can be used to pay for eligible health care expenses such as the deductible, coinsurance and

prescriptions - Can grow over time because balances roll over from year to year - Is your own portable bank account; so you maintain your balance even if you leave the company

* Employees in the Salaried Professional Service program aren’t eligible for the company matching contributions.

Accident Insurance ■■ Do you want help paying for unexpected injuries due to an accident? Think about Accident Insurance. This plan pays a lump sum for covered injuries that can help pay for hospital or urgent care bills.

Hospital Indemnity Insurance

■■ Can you cover expenses if you’re admitted to the hospital? Think about Hospital Indemnity Insurance. This plan provides supplemental payments that your medical plan may not cover during a hospital stay.

Critical-Illness Insurance ■■ Are you financially prepared for the cost of a long-term illness? Think about Critical-Illness Insurance. For specific covered conditions, like cancer and a heart attack, you may receive a lump-sum benefit to help pay for expenses.

Dental ■■ Do you want to pay the lowest cost per paycheck? Think about the Standard Plan.

■■ Will your children need orthodontia? Think about the Enhanced Plan, which covers orthodontia for your children, up to age 19.

■■ Do you go to the dentist often? Think about the Enhanced Plan, which offers a higher annual benefit maximum.

Vision ■■ Are you looking to lower your vision costs? Think about enrolling in vision coverage through Davis Vision, which provides an integrated experience — from exam to frames/lenses or contacts — to deliver lower vision costs.

MYBENEFITS PAGE 3 YOUR 2017 ENROLLMENT CHECKLIST

Updated January 2017

Dependent Care Flexible Spending Account (FSA)

■■ Do your children go to day care or have a nanny? Consider contributing to the Dependent Care FSA. You can put aside pre-tax money to help pay for these expenses and reduce your taxes. However, you should be aware of the “use it or lose it” rule and estimate your contributions appropriately.

Health Care Flexible Spending Account (FSA)

■■ Are you enrolling in the $400 Deductible Plan or $900 Deductible Plan? Think about contributing to the Health Care FSA. You can put aside pre-tax money to help pay for medical, dental and vision expenses. Paying on a pre-tax basis is like getting a discount. (Note: The Health Care FSA is not available to those who enroll in the $1,500 or $2,500 Deductible Plan.)

Health Care Combination Flexible Spending Account (FSA)

■■ Are you enrolling in the $1,500 Deductible Plan or $2,500 Deductible Plan? Think about contributing to the Combination FSA. You can use the money in your Combination FSA to reimburse yourself for eligible dental and vision expenses. And, once you meet the IRS deductible limit, you’ll also be able to receive reimbursement for eligible medical expenses.

Supplemental Long-Term Disability (LTD)

■■ If you’re injured or ill and unable work for six months or more, can you cover your monthly expenses on a reduced income? If not, think about enrolling for supplemental LTD insurance to increase your monthly disability benefit.

Supplemental Life Insurance

Supplemental Accidental Death & Dismemberment (AD&D) Insurance

■■ Do you have loved ones who you want to take care of financially if you pass away?

■■ How much annual income would your survivors need to cover day-to-day and large expenses, such as a mortgage or college tuition?

■■ Do your survivors have savings to cover burial expenses?

The answers to these questions will help determine how much insurance you need. A rule of thumb is that your insurance policy or policies should cover 7 to 10 times your annual income.

Remember, AD&D insurance only pays a benefit in the event of injury or death due to an accident.

Commuter Benefits ■■ Do you pay for parking at work or take public transportation? Think about contributing to a commuter benefits account. You can put aside pre-tax money to help pay for commuter expenses. Paying on a pre-tax basis is like getting a discount.

Other voluntary benefits like:

■■ Pet insurance

■■ Identity theft protection

■■ The legal plan

■■ Are you worried about the safety of your personal information?

■■ Do you have a cat, dog or other domestic animal?

■■ Do you need to set up a will or estate plan?

■■ Are you looking for a whole life insurance policy?

■■ Do you need a home insurance or car insurance policy?

If you answered “yes” to any of these questions, think about electing coverage through the appropriate voluntary plan.