2016 Annual Enrollment

2016 Annual Enrollment Period: October 26 – November 10, 2015 Action Required

Committed to conserving resources All Annual Enrollment materials are available online Materials will not be sent to your home

Action required or pay more in 2016 Tobacco User Surcharge New for 2016: $300 (Individual) & $600 maximum (Family) Annual Surcharge (Default) You Must Take Action to Avoid the Surcharge Non-tobacco users: Certify that you, your covered spouse or domestic partner and/or children age 19 and over are not tobacco users Tobacco users: Enroll in a tobacco cessation program by December 31, 2015 ! New for 2016: Group Universal Life Insurance Higher premiums will be applied should you use tobacco or fail to attest. Tobacco user rates will also apply to spouse or domestic partner coverage under Dependent Term Life Insurance

Avoid the tobacco use surcharge Tobacco products: Cigarettes Smokeless tobacco Cigars Electronic cigarettes Pipes Tobacco cessation programs WebMD Tobacco Cessation Program Prudential Health Clinic Fresh Start Program Check with your health care program carrier Tobacco cessation program of your choice At no cost to you May provide discounted or free programs At your own cost

What’s changing for 2016 Tobacco surcharge applied to your medical contributions will increase to $300. Also, an additional $300 surcharge that will be applied if any of your covered dependents age 19 and over use tobacco Tobacco usage, or failure to attest of non-usage will result in higher premiums for Group Universal Life Insurance and Dependent Term Life Insurance High Deductible Health Program In-Network Out-of-pocket Maximum for family coverage is decreasing from $8,000 to $6,850 Effective February 20, 2016, the Cigna HSA will be administered by HSA bank instead of JPMorgan Chase Additional losses will be covered for Business Travel Accident and Accidental Death and Dismemberment Due to the continued rising cost of the health care, your contributions may be higher; however, the aggregate cost share is not changing and will remain at 72%/28% for 2016

What’s changing for 2016 Prescription Drug Changes administered by Express Scripts Unless physician required brand name for a certain medication, participants will be responsible for the difference between brand name and generic price if generic exist Specialty drugs will be required to be filled through Accredo, Express Scripts’ specialty pharmacy Aetna and Cigna medical program participants who are age 18 and older may receive vaccines for a variety of conditions at no charge when received at an Express Scripts participating pharmacy Long Term Disability benefit of 50% of monthly eligible earnings up to a new maximum of $12,500 per month You can elect Optional Long Term Disability and pay for an increase in your benefits to 65% of your monthly eligible to reach a new monthly benefit maximum of $25,000 per month for grades 7P-18P, and $40,000 per month for grades 1P-6P

Consider the High Deductible Health Program with a Health Savings Account Health Savings Account (HSA) Triple Federal Tax Advantage: Contributions are pre-tax Interest is tax-free Investment income is tax-free At your own cost There is no “use it or lose it” rule The money in the HSA is yours to keep and is 100% portable

Dependent Care Reimbursement Account Annual Maximum for 2016 Action required: Flexible Spending Accounts Health Care and Dependent Care Reimbursement Accounts ! You must make an election for 2016 if you want to participate. 2015 elections will not carry over. Health Care Reimbursement Account (HCRA) and Limited Purpose HCRA Annual Maximum for 2016 $2,550 Dependent Care Reimbursement Account Annual Maximum for 2016 $5,000 (Includes Prudential match of 25% up to $1,000)

Smart choices, healthy lives Health and wellness tools and resources

HealthQuotient + 2 healthy activities (HQ+2) Wellness Incentive Health Risk Assessment HealthQuotient + 2 healthy activities (HQ+2) $150 Wellness Incentive To Get a $150 Wellness Incentive… Complete the HQ+2… In 2015 Before November 30, 2015 In 2016 Before November 30, 2016

Smart choices, healthy lives Cigna and Aetna Care Counselors The Cigna and Aetna medical programs offer access to Care Counselors For employees facing an upcoming hospitalization, surgery, chronic disease or other health condition When you engage with and complete at least two goals set by a care counselor, you can receive a $100 incentive. 24-Hour Nurseline Every medical program has a nurseline For employees who have immediate questions or concerns

Smart choices, healthy lives Tools available to assist you on the Prudential Benefits Center and My Pru Medical Program Contribution Tool – obtain costs for all the medical programs that are available to you Medical Expense Estimator – estimate and compare costs for 2016 medical programs based on the medical care you and your family may need Health Savings Account Estimator – helps you calculate the amount you could save for both current and future health care costs through the Health Savings Account. Flexible Spending Account Estimator – help you determine how much you might want to contribute to a Health Care of Dependent Care Reimbursement Account Life Insurance Needs Estimator – helps you asses whether you have the right amount of life insurance Disability Estimator – helps you calculate how much disability coverage you might need

Smart choices, healthy lives Cigna and Aetna cost transparency tools: Show how significant the cost of a test can be from one provider to another for the same procedure in the same area Help you compare non-emergency procedures so you can spend your health care dollars effectively Hand X-ray in Northern NJ: $26 – $568 MRI of the leg in Greater Philadelphia: $400 – $3,700 The tools also provide information about the quality of providers in the networks.

Smart choices, healthy lives Cigna cost transparency tool

Smart choices, healthy lives Aetna cost transparency tool

Smart choices, healthy lives Maternity and new mother support programs Not just for first time mothers Visit My Prudential for more information Aetna and Cigna maternity programs both include incentives up to $150 for participation Details can be found in the Health Management Programs brochure Before You Enroll Enrolling For Your Benefits

Smart choices, healthy lives You can find more details on 2016 changes as well as descriptions of program features in the 2016 Annual Enrollment Guide and the 2016 Benefit Program Summary Where to find them: My Prudential – Benefits Enrollment 2016 Annual Enrollment Extranet – https://secure.prudential.com (See the 2016 Annual Enrollment Guide for details on how to access the Extranet)

Online Annual Enrollment information Prudential Benefits Center Website Booklets, other enrollment information and tools Personalized information Medical Program Contribution Tool Accessible within or outside of Prudential The only place to enroll for benefits My Prudential Booklets and other enrollment information Medical Program Contribution Tool Accessible within Prudential Annual Enrollment Extranet Booklets and other enrollment information Accessible outside of Prudential 2016 Annual Enrollment Guide 2016 Benefit Program Summary 2016 Tools and Resources 2016 Legal Notices What you can find online: