Your opportunity to understand your benefits and make choices that meet your needs

YOUR BENEFITS. YOUR CHOICE. Your guide to annual enrollment

Benefits

WHAT DO I NEED TO KNOW?

WHAT DO I NEED TO DO?

We are increasing the amount that we contribute into the HSA.

Ensure you have the chosen the best options for you and your family.

We are maintaining the same Medical, Dental and Vision plans in 2017.

Review and select your Medical, Dental, Vision or Life Insurance choices.

This guide and other communications you’ll receive will help you understand your medical care and future savings.

Visit the new benefits information website, cpg.benefitdomain.com, where you can find more information about your benefits. Visit www.benefits.cpg.com to make Annual Enrollment changes during the enrollment window, and to see your personal benefit choices.

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YOUR BENEFITS Mak e your s: ion be n efit e lec t

We recognize that you and your family have unique needs. We offer a comprehensive benefits package that provides flexibility and peace of mind in the coverage you choose.

31 – OCTOBER R 11 NOVEMBE 2016

DENTAL

MEDICAL

HSA

RX

WELLBEING

p. 4-5

p. 6-7

p. 8

p. 9

p. 10

VISION

LIFE AND AD&D

DISABILITY

401(K)

OTHER BENEFITS

p. 11

p. 12

p. 13

p. 14

p. 13

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TOP TIP The first three digits of the subscriber ID on your medical ID card will identify your network

MEDICAL PLANS There are different plans for you to choose from. It is important you choose the plan that’s right for and provides the right level of coverage for you and your family.

This is how it will work for all plans

You pay a monthly premium

You pay for health care until you meet your deductible

Your plan then picks up 80% of the cost

If you have high medical costs, you won’t pay a penny more than your out-of-pocket maximum

With the HD PPO plans you also get HD PPO 1

HD PPO 2

L ower monthly premiums Access to a tax-favored Health Savings Account (HSA)*

C  PG contribution to your HSA Y  our HSA is yours to keep – even if you change plans, retire or leave the company

What does this mean to you? UNION PPO

NON-UNION PPO

We are increasing the money we contribute to the HD PPO 2. For more information read page 7.

Make tax-free contributions to your HSA

Savings earn interest tax-free, and can be invested in a fund which meets your needs

Pay for healthcare tax-free

Use your HSA in retirement to pay for healthcare expenses tax-free

More money in your pocket

* Annual IRS limits for 2017: $3,400 individual and $6,750 for family. If you are age 55 or older, you can also make a catch-up contribution of up to $1,000. The annual limit includes contributions from all sources, including the CPG contribution.

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$4,500

What is covered in each medical plan? The table below outlines some examples of the services that are covered in the medical plans. HD PPO 1

HD PPO 2

UNION PPO

NON-UNION PPO

100% preventive care Anthem BlueCross BlueShield network Tax-favored HSA savings Monthly Premiums Employee only

$75

$15

$233

$220

Employee + spouse

$150

$20

$467

$430

Employee + child

$150

$20

$455

$420

Family

$250

$25

$760

$700

Employee only

$1,500

$2,500

$500

$500

Employee + spouse

$3,000

$5,000

$1,000

$1,000

Employee + child

$3,000

$5,000

$1,000

$1,000

Family

$3,000

$5,000

$1,500

$1,500

Employee only

$3,000

$5,400

$1,500

$1,500

Employee + spouse

$6,000

$10,000

$3,000

$3,000

Employee + child

$6,000

$10,000

$3,000

$3,000

Family

$6,000

$10,000*

$4,500

$4,500

Deductible

Out-of-Pocket Maximum

IGHT WHAT’S R FOR YOU? ize that We recogn portant im n a is e healthcar decision. x le p m o c and ed a series p lo e v e d e We hav help you o t s n io t a of anim ou can y w o h d n understa to your s n la p e h t start using get more d n a e g a t n adva you save. y e n o m e from th m H ERE . Watch the

Coinsurance In-Network

20%

Out-of-Network

40%

Managing your care In-Network

20% coinsurance after deductible

PCP: $35 copay Specialist: $40 copay Emergency room: $150 copay Inpatient: 20% coinsurance after deductible

CPG HSA Contribution Individual Family (including Employee + spouse, Employee + child)

*Subject to $6,580 per individual family member

$800 $1,000

N/A

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HEALTH SAVINGS ACCOUNT (HSA) An HSA is an individual account that provides a smart way to save money to pay for your medical expenses. To help you meet the costs of your healthcare, CPG will make HSA contributions if you enroll in either one of the HD PPO plans, and agree to the terms of the UMB Custodial Agreement. CPG will help fund your HSA account based on the following annual contributions:

$800

$1,000

EMPLOYEE ONLY COVERAGE

EMPLOYEE AND DEPENDENT(S) COVERAGE*

for

for

Use your HSA funds alongside the HD PPO plan to pay for hundreds of approved health expenses for you, your spouse, or your dependents.

* Including Employee + spouse, Employee + child and Family plans

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Make your HSA work for you: • Triple tax savings; contributions, investment earnings and distributions are all free of federal tax, when your funds are used for qualified medical expenses

Jeff has an HSA

Kelly does not have an HSA

Amount Jeff saves each year:

Amount Kelly saves each year:

$600

$600

CPG’s Contribution

CPG’s Contribution

25% federal income tax that is applied:

25% federal income tax that is applied*:

$0

$150

Money available to spend on medical expenses

Money available to spend on medical expenses

$1,400

$450

$800

• You can invest your contributions in a wide range of investment options giving your money a chance to grow • If your investment funds have increased in value, keep any money you make, on a pre-tax basis • There is no ‘use it or lose it’ rule. Unused funds remain in your HSA and will be rolled over into the next year or can be taken with you to your next employer

$0

If you’re saving just enough to cover your annual expenses, why not increase your contributions to get more from your HSA? You can change your contribution at any time.

Am I eligible?

Visit www.benefits.cpg.com to make a change.

To enroll in the HSA you must not be: covered by another medical plan that is not a high-deductible health plan (e.g. you cannot be a dependent on anyone else’s plan except for vision and dental)

R LIMITS U O Y W O KN ount you m a m u im The max 17 will be: 0 2 in e t u can contrib al coverage u id iv d In r $3,400 fo y coverage il m a F r o f or $6,750

enrolled in medicare claimed as a child dependent on another person’s tax return a participant in an annual Health Care FSA for 2017 and you must have a balance of $0 in your 2016 Health Care FSA on Dec 31, 2016. For more details visit cpg.benefitdomain.com

* 25% federal income tax is applied to Kelly’s paycheck in the usual way, before the money is saved.

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Using generic, non-branded medications saved US workers over $200 billion last year.

RX PRESCRIPTION DRUGS You will automatically be enrolled in the prescription drug plan when you elect one of the CPG medical plans. Benefits of the prescription drug plan differs depending on which medical plan you choose, but you’ll receive access to reduce-priced prescription drugs, administered by Anthem BlueCross BlueShield. The HD PPO plans offer mail order drugs, not just retail! The price you pay for these drugs is outlined in the tables below. Retail Pharmacy (30-day supply) HD PPO 1

HD PPO 2

.01 6 $9 Average branded drug

.74 8 $2

27 . 7 $6

Average generic drug

Average saving

Take advantage of your doctor’s appointments to talk openly about your medication plan and find out if generics are available for you.

Mail-Order Pharmacy (90-day supply)

UNION PPO

NON-UNION

In-Network

HD PPO 1

HD PPO 2

UNION PPO

NON-UNION

In-Network

Generic

20% after deductible

20% after deductible, $5 minimum copay, $15 maximum copay

20% after deductible

$20 copay

Preferred Brand*

20% after deductible

20% after deductible, $15 minimum copay, $45 maximum copay

20% after deductible

$60 copay

Non-Preferred Brand*

20% after deductible

20% after deductible, $30 minimum copay, $90 maximum copay

20% after deductible

$120 copay

20% after deductible

Covered same as any other drug

Specialty*

Covered same as any other drug

Out-of-Network

Out-of-Network

Generic

40% after deductible

Not covered

40% after deductible

Not covered

Preferred Brand*

40% after deductible

Not covered

40% after deductible

Not covered

Non-Preferred Brand*

40% after deductible

Not covered

40% after deductible

Not covered

Specialty*

40% after deductible

Not covered

40% after deductible

Not covered

* If member or doctor requests brand when generic available, member will pay the difference.

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KICK-START A HEALTHIER LIFESTYLE Prevention is the key to living healthier and happier for longer. We like to make this easy for you which is why CPG makes it convenient and affordable to access preventive care through Anthem.

Free preventive care All health plans cover preventive services at no cost to you, even if you have not met your annual deductible.

There are tools and supporting materials available through Anthem, including an online health assessment, 24-hour NurseLine, support for future moms, and access to ConditionCare nurse coaches. Contact Anthem at 1-844-217-6159 or visit www.anthem.com for more details.

Coverage at 100% for in-network preventive services

Coverage of smoking cessation products

Includes a variety of preventive services including immunizations, age-specific screenings (colonoscopy, mammogram), and annual physicals.

To help you kick the habit for good.

the Live t e g r o f ’t n Do vailable on a is h ic h w Well Kit, n page at io t a m r o f the plan in s.cpg.com t fi e n e b . www ll the ways a t u o b a e or to learn m k-start a ic k u o y g in CPG is help style. e f li r ie h lt a he

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PREVENTIVE PLAN

DENTAL PLAN

DENTAL PLUS PLAN

Plan features

YOUR SMILE MATTERS

Network

You can choose from three voluntary dental plan options through Cigna.

Annual Deductible:

The table compares benefits between the Preventive Plan, Dental Plan and Dental Plus Plan.

Total Cigna DPPO

Calendar Year Maximum

$2,000

Unlimited

$2,000

Individual

$75 per person

$50 per person

$0 per person

Family

$225 per family

$150 per family

$0 per family

Class 1 – Preventive & Diagnostic Care • Oral Exams • Routine Cleanings • Panoramic X-ray • Full Mouth X-rays • Bitewing X-rays • Sealants • Periapical X-rays • Fluoride Application • Emergency Care to relieve pain • Space Maintainers

100%

Class 2 – Basic Restorative Care • Fillings • Root Canal Therapy / Endodontics • Periodontal Scaling and Root Planning • Anesthetics • Denture Adjustments and Repairs • Osseous Surgery • Oral Surgery – Simple Extractions • Brush Biopsy • Oral Surgery – All Except Simple Extractions • Surgical Extractions of Impacted Teeth • Repairs to Bridges, Crowns and Inlays

50%*

80%*

80%

Not covered

50%*

50%

Class 3 – Major Restorative Care • Crowns • Dentures • Bridges • Inlays / Onlays • Prosthesis Over Implant

Class 4 – Orthodontia

Not covered

Class 5 – TMJ

Not covered

Class 9 – Implants

Not covered

50%*; Unlimited Lifetime Maximum

50%; $1,500 Lifetime Maximum Coverage for Employee and All Dependents

50%; $300 Lifetime Maximum

50%*; Unlimited 50%; $600 Calendar Year Maximum Calendar Year Maximum

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Your coverage with VSP Provider Network: VSP Signature STANDARD PLAN

YOUR VISION. OUR FOCUS.

Benefit

WellVision Exam

Focuses on your eyes and overall wellness Every calendar year $0 copay

To help you take care of your eyesight, we offer a comprehensive vision plan as well as an exam-only vision plan. Both plans include discounts on eye exams, glasses, contact lenses and more, when provided by our chose in network provider, VSP.

Frames Every other calendar year $0 copay Wide selection of frames: $180 allowance On amount over your allowance: 20% savings

Glasses

Summary of the vision benefits are outlined in the table.

Complete pair of prescription glasses and sunglasses, including lens enhancements, from any VSP provider within 12 months from your last WellVision Exam:

Single vision, lined bifocal and lined trifocal lenses Polycarbonate lenses for dependent children

Lens Enhancements Every calendar year Progressive lenses: Up to 30% savings Scratch resistant coating: Up to 30% savings Tint: Up to 30% savings

Contact lens exam (fitting and evaluation):

15% savings

Your Coverage with Out-of-Network Providers

Exams can be up to $35.

Lenses Every calendar year $0 copay

20% savings

Contacts

Visit vsp.com for details, if you plan to see a provider other than a VSP network provider.

PREMIUM PLAN

Laser Vision Correction

Contacts instead of glasses Every calendar year $0 copay Contacts and contact lens exam (fitting and evaluation): $150 allowance Contact lens exam (fitting and evaluation): 15% savings

Average 15% savings (off regular price) or

Average 15% savings (off regular price)

TOP TIP

Average 5% savings (off promotional price)

or Average 5% savings (off promotional price)

Discounts only available from contracted facilities

Discounts only available from contracted facilities

Claim authorization must be obtained prior to your visit – ensure you identify yourself as a VSP member when making an appointment

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Type of Insurance

LIFE AND AD&D

Basic Life

We provide Basic Life Insurance and Accidental Death and Dismemberment (AD&D) coverage to full-time and part-time employees, at no cost to you, through Minnesota Life.

Optional AD&D

If you are a full-time employee, you also have the option of adding voluntary coverage for yourself or your family for an additional cost.

Group 2

There are three plans you can choose from:

Basic Life

Optional Life

Don’t forget your EOI! Evidence of Insurability (EOI) is required to increase coverage to voluntary life insurance plans.

$1,500,000* N/A

1x–7x annual earnings $10,000 increments

The lesser of 3x annual earnings or $500,000*

$1,500,000*

N/A

$50,000

Optional Spouse Life

$10,000, $25,000 or $50,000

$25,000

Cannot exceed employee elected amount

Optional Child Life

$5,000 or $10,000

$10,000

$10,000**

All basic insurance is guaranteed issue

$20,000 Basic AD&D

$20,000 N/A

Group 3 Basic Life

Amounts applicable to a particular retiree are as on file with CPG

All basic insurance is guaranteed issue

Amounts applicable to a particular retiree are as on file with CPG

Supplemental Retiree AD&D

If a retiree was enrolled in the Supplemental AD&D plan on the last day they were actively at work, they are eligible to enroll in the Retiree AD&D plan and may elect coverage in $10,000 increments up to a maximum of $50,000.

N/A

$50,000

G  roup 3: CEG Union and Non-Union Retirees

TOP TIP

Maximum Amount

All basic insurance is guaranteed issue

2x annual earnings Basic AD&D

G  roup 2: Part Time Union and Non-Union Employees

Guaranteed Issue

Group 1

We want to assure you that you, your dependents, or other loved ones will be provided for in the event of an untimely passing.

G  roup 1: Full Time Union and Non-Union Employees

Benefit

* When combined with the amounts of the employee’s basic Life or AD&D coverage. ** If the child passes away within the first 31 days of birth the benefit is $5,000.

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DISABILITY We provide a long-term disability plan for all eligible employees with coverage of 50% of base pay at no cost. You also have the option of electing an additional 10% of base pay. Enrollment in coverage at 50% of your base pay is automatic, and we pay the full cost of your coverage.

RETIREMENT SAVINGS 401(K) PLAN

FLEXIBLE SAVINGS ACCOUNT

All employees are eligible to join the CPG Retirement Savings 401(k) Plan.

A FSA allows you to save some of your pre-tax pay to cover health care and dependent care expenses.

There will be no changes to the company match contributions this year and all funds are vested immediately. The CPG 401(k) plan is administered by Fidelity Investments.

Catch-up Contribution (50 years or older)

Health Care

$18,500

The Health Care FSA helps you pay for eligible Medical, Prescription drug, Dental and Vision care expenses incurred by you or anyone claimed as a dependent on your federal income tax return. Save $60-$2,550 a year.

$6,000

You are not eligible to enroll in this benefit if you enroll in the HD PPO 1 or HD PPO 2 plan.

2017 401(k) Contribution Limits 401(k) Contribution Limits

There are two FSAs to choose from:

Dependent Care If you’ve got children, a disabled spouse / domestic partner or elderly relatives, they may need looking after whilst you’re at work. Pay for crucial Dependent Care services on a regular basis and get a tax break with the Dependent Care FSA. Save $60-$5,000 a year. For a full list of eligible health expenses, please visit www.irs.gov. The FSA provider is AONHewitt.

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OTHER BENEFITS Employee Assistance Program (EAP) Sometimes, balancing work, home, family, finances, health and wellbeing can seem challenging and we want to make sure you have access to advice and support. EAP is an independent information and counseling telephone service that gives you the chance to talk to a qualified adviser about a wide range of topics. You’ll receive confidential telephone sessions from expert advisers, who will give you the time to talk through your questions, concerns or feelings, help you consider the options open to you and support you with any changes you may decide to make. EAP is also fully funded by us, so there’s no cost to you.  The EAP counsellors are available 24 hours a day, 7 days a week and can be reached by the toll-free number. The EAP professionals are highly trained and qualified, and will provide you with accurate and relevant information for your particular circumstances. All personal information is kept strictly confidential, in accordance with federal and state laws.

Counseling Services Talk one-on one with someone about:

Financial Services Talk to a financial coach for guidance on:

Stress management

Grief and loss

Saving for college

General tax questions

Work/life balance

Relationship management

Debt consolidation

Retirement planning

Mortgage issues

Family budgeting

Estate planning Legal Services Legal support for: Divorce Landlord and tenant issues Real estate transactions

Wills and power of attorney Civil lawsuits and contracts Identity theft recovery

Online Resources Visit www.achievesolutions.net/cpg to access articles and tools such as videos, calculators and quizzes to help you improve your health and manage life events.

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NEW BENEFITS INFORMATION WEBSITE w e n e h t e iz l i Be sure t o ut m at ion t o h e lp or t ools an d in f e be n efits opt ion s you c h oose t h be st for you t h at are

.com n i a m o d t enefi Visit cpg.b find:

l where you’l ources; s e r d n a ls o dable to • Downloa ns; • Animatio ions; t s e u q d e k s ly a • Frequent ; and m r o f r e iv a w • Your efits n e B e r u c e s s to your s e c c a t c e your ir e k a •D m n a c re you Center whe choices. t n e m ll o r n e annual

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CPG BENEFITS CENTER The CPG Benefits Center is staffed with Customer Service Associates that are dedicated to helping you and your family get the most from your benefit choices.

Below, we have provided a list of contact numbers for our service providers:

CPG Benefits Center

Medical & Rx (Anthem BCBS) (844) 217-6159 www.anthem.com

1 (844) 474-6627

CPG Benefits Center www.benefits.cpg.com

CPG Benefits Center Associates are available from:

The CPG Benefits Center website is available:

Monday-Friday: 8.30am through 4.30pm (EST)

24 hours a day, seven days a week, except for the third Sunday of the month from 2am through 1pm (EST)

During Annual Enrollment: Monday-Friday: 8.30am through 6pm (EST)

On the site, you can: Review current benefits choices, including which family members are covered; Learn more about your benefits; and Review information about finding and receiving quality care.

Dental (Cigna) 1 (800) 244-6224 www.cigna.com Vision (VSP) (800) 877-7195 www.vsp.com Life and AD&D (Minnesota Life) (866) 293-6047 www.lifebenefits.com Retirement (Fidelity) (800) 835-5095 www.401k.com HSA (UMB) (866) 520-4472 www.hsa.umb.com

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