2018 Benefits open enrollment October 23 – November 10, 2017

welcome to benefits open enrollment! Bentley is committed to: Offering a comprehensive, competitive and affordable benefits package that is part of your Total Rewards package Helping you and your family enjoy the best possible health and wellbeing Providing you with meaningful options so that you have the flexibility to make choices that best meet your needs Making available helpful tools so you can make informed decisions and have greater cost transparency

What’s happening in 2018 What’s new? What’s changing? New medical plan: High Deductible Health Plan (HDHP) with Health Savings Account (HSA) New Accident and Critical Illness plans with MetLife What’s changing? Modest plan design changes to the existing 3 medical plans Premium rate increases for the existing medical plans – 8% for Best Buy HMO and HMO, 13.6% for PPO New prescription administrator (OptumRx) with some prescription copay changes Adult orthodontia coverage added to the Dental High Plan What’s making your life easier? New interactive plan selection tool: ALEX First open enrollment through Workday Educational opportunities – information sessions, on-demand videos, office hours by appointment Open enrollment webpage – everything open enrollment in one place

Other advantages of the HSA: 2018 medical plans – introducing the High deductible health plan (HDHP) with Health savings account (HSA) Lower payroll premium contributions in exchange for a higher deductible The plan is considered a qualified HDHP so you are eligible for a tax- advantaged HSA Contributions and withdrawals for qualified medical, dental, and vision expenses are tax-free (+ interest/investment earnings are also tax-free) Bentley will contribute to your HSA, and you can too, up to the IRS limits: $3,450 Individual / $6,900 Family for 2018 If you are 55 or older or turning 55, you can contribute an additional $1,000 in catch-up contributions Other advantages of the HSA: Funds can be used to pay for qualified medical, dental, and vision expenses for you and your eligible dependents now—and in retirement (e.g., Medicare premiums) Because it’s a savings account owned by you, it’s portable, which means that the funds follow you, and balances roll over from year-to-year You can make payments (drawing on your HSA balance) with a convenient debit card You can take advantage of long-term investment options once you reach a certain balance

Hsa eligibility In order to contribute to an HSA, you must meet the following criteria: You must be enrolled in a qualified High Deductible Health plan (HDHP), such as the one Bentley is offering You cannot have other health coverage (see IRS Publication 969) You (or your spouse/partner, if a tax dependent) cannot be enrolled in any part of Medicare or Medicaid You cannot be listed as a dependent on someone else’s tax return You cannot be active in the military* You cannot be enrolled in a Health FSA (including through a spouse’s plan) or have a Health FSA balance * Veterans enrolled in a High Deductible Health Plans with no other disqualifying coverage and who have a service-connected disability may make or receive HSA contributions regardless of when they received VA benefits

Additional $1,000 – if 55 or older Hsa Contributions (2018) January 1: Bentley makes a contribution to your HSA just for enrolling: Bentley Contributes: Individual: $250 Family: $500 Throughout the Year: you contribute to your HSA on a pre-tax basis, and Bentley matches, up to certain limits: You Contribute: Individual: $2,700 Family: $5,400 Bentley Matches: Individual: $500 Family: $1,000 If you take full advantage, Bentley will ensure you don’t exceed the 2018 IRS maximums* 2018 IRS Maximums: Individual: $3,450 Family: $6,900 Additional $1,000 – if 55 or older * Applies to payroll contributions only; Bentley cannot track contributions made outside of payroll. Bentley will ensure your payroll contributions do not exceed the IRS annual maximum.

(Additional match up to $500/$1000) 2018 medical plans Plan Provision Best Buy HMO HMO PPO HDHP w/ HSA In-Network Out-of-Network Bentley HSA Seed n/a $250 / $500 (Additional match up to $500/$1000) Annual Deductible $1,000 / $2,000 None $500 / $1,000 $2,000 / $4,000 $4,000 / $8,000 OOPM $2,500 / $5,000 $6,000 / $12,000 Coinsurance 10%, after ded. 20%, after ded. 30%, after ded. Office Visit $25 copay Emergency Room $100 copay Inpatient / Outpatient Deductible, then $250 / $150 copay Prescription Drugs (Retail/Mail Copays) $15 / $30 / $50 $30 / $60 / $150 $30 / $60 / 150, after ded.

2018 medical plans – how services are treated under each plan

Pharmacy administrator changing to optumrx You’ll continue to have one card for both medical and prescriptions Your prescriptions will continue to be covered, though some may move to a different tier In most instances, you’ll be able to continue using your existing pharmacy You will be contacted by mail if you: Have a prescription that is moving to a higher (more expensive) tier Have an open refill that will require transfer to OptumRx – some won’t! Have a prescription that requires a prior authorization before it can be filled Consider talking to your doctor about lower-cost alternatives, such as generic equivalents, and taking advantage of the mail order service to save money You can call OptumRx at 855-546-3439 or visit at optumrx.com/CTRNS to check on your prescription tier and/or cost.

2018 medical premium contributions – full-time employees Continued movement to a defined contribution strategy where Bentley contributes roughly the same amount to all plans.

Want help choosing the right plan? Meet ALEX® ALEX® is an interactive animated, personalized online tool to help decide which plan best meets your needs.

New voluntary benefit – personal accident Insurance Supplements your primary medical plan by providing cash benefits— paid directly to you—in cases of accidental injuries. Accidental injuries include things like fractures, concussions, cuts and ambulance services and cash benefits range by injury or service. You can use the money to pay for uncovered medical expenses, such as your deductible or coinsurance. You can choose to cover yourself or your family. Premiums are paid on a post-tax basis.

New voluntary benefit – critical illness insurance Provides a lump-sum benefit payment—paid directly to you—upon diagnosis of certain covered conditions. Examples of covered conditions include cancer, heart attack and stroke. You can choose either $10,000 or $20,000 of coverage You can use the money to cover: Any out-of-pocket treatment expenses that are not covered by your medical plan Your everyday living expenses Critical illness premiums are based on your age and are paid on a post- tax basis.

Dental high plan – adding adult orthodontia Bentley will continue to offer two dental plan options through Delta Dental PPO Plus Premier: the High Plan and the Low Plan. NEW: The High Plan is being enhanced to include adult orthodontia coverage. Premiums for both plans will remain the same.

Vision plan – no changes for 2018 The vision plan provides: In-network benefits with EyeMed Vision Care Select Network Out-of-network reimbursements that give you the flexibility to go to any vision provider Coverage for annual exams, lenses, or contacts (one every 12 months) Coverage for frames once every 24 months NOTE: Harvard Pilgrim medical plans cover: One routine eye exam per year at $20 copay (Note: This is not a contact lens exam) Discounts on glasses/contacts through select vendors

Remember Flexible spending accounts (FSA) – pre-tax accounts Health Care FSA: Used to pay for eligible out-of-pocket medical, dental, and vision care expenses for yourself and your eligible dependent(s). Examples of eligible expenses – medical deductibles, prescription copays, braces, glasses You will receive a debit card to pay for eligible expenses Can’t enroll in a FSA if you are enrolled in a HDHP Dependent Care FSA: Used to pay for eligible expenses for the care of a dependent child under age 13 or a dependent adult. Some qualifying expenses include eligible preschool, before- and after-school programs, and child or elder day care.

Life, ad&D and disability benefits – no changes for 2018 Basic Life and Accidental Death & Dismemberment Automatically enrolled up to 1x your salary up to $300,000 Supplemental life You can enroll during open enrollment up to guarantee issue amounts without medical underwriting Employee Supplemental Life – you can enroll up to guaranteed issue amounts of the lesser of 3x your salary or $325,000 Spouse Life – spouses can enroll up to guarantee issue amounts of $30,000 Child Life – can be purchased in flat amount in increments of $10,000 Long Term Disability Provided to full-time employees at 60% annual base salary, up to $200,000, for a maximum monthly benefit of $10,000.

Go to workday to make your 2018 elections Begin from your Inbox in Workday You have until 5 p.m. on November 10, 2017 to make your elections! What happens if you do nothing? Medical, dental, and vision Stays the same Life insurance and disability FSA You won’t participate New options

Stay informed Here’s how: Use ALEX to learn more about your benefits and make informed decisions Attend an HSA information session – one offered each week during open enrollment Can’t attend? View the information sessions via on on-demand video Have specific questions? Schedule a time to meet with a Benefits representative during office hours Get hands-on help by attending a Workday session enrollment session in the Recreation Information Center (RIC) in the Library – held every Wednesday during Open Enrollment – October 25 & November 1 – 3:00 – 4:00 November 8 – 2:00 – 3:00 One additional session on last day of open enrollment – Friday, November 10th from 10:00 – 11:00 Visit the benefits webpage on the Bentley website for anything you need to know about open enrollment – meeting schedules, videos, office hour sign-ups, and more…

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