Robins & Morton 2019 Benefits Enroll between October 20th & November 7th for 2019 Benefits You must elect or waive each benefit option If you don’t enroll - same benefits in 2019 BUT No FSA or Dependent Care Deduction – must enroll This does not enroll you for 2018 benefits Hired Before 10/2/2018 – Enroll for 2018 & 2019 Details in benefit Guide handed out at jobsite Call HR Helpline with questions 205.803.0102

Benefit Overview Medical Coverage NEW - HRA $$$ for medical expense Prescription Drug Benefits . Dental Coverage Mental Health & Substance Abuse Vision Coverage with Safety Glasses Telemedicine Short Term Disability Long-term Disability Insurance Medical Travel Assist Will Preparation Accident Insurance Hospital Indemnity

What’s changed for 2019? Health Reimbursement Account - $$$ Money for you to use for medical care $500 single, $750 + kids or spouse, $1,000 family Robins & Morton deposits money in your account Debit card for medical, dental vision or Rx bills Medical Dental & Vision – no coverage change Vision & Dental enrollments are for 2 years You enroll 90 days after hire or in even years No enrollment for 2019 unless you are a new hire Election lasts till the next even year

CDHP Plus Health Plan from Blue Cross Blue Shield of AL 2019 Costs for CDHP Plus Health Plan Employee Only EE + Spouse EE + Children Family Total Cost: $565.00 $1,213.00 $896.00 $1,320.00 R&M pays: $498.00 $1,064.00 $788.00 $1,158.00 Weekly cost: $15.46 $34.38 $24.92 $37.38 Plan Feature In-Network Out-of-Network Calendar Year Deductible Individual / Family $2,700 / $5,000 family Out-of-Pocket Maximum $4,050 individual/$8,100 family plus calendar year deductible After you reach the Calendar Year Out-of-Pocket Max, applicable expenses are covered at 100% for the remainder of the calendar year Preventive Care 100% No copay or deductible Not Covered Most Other Services Covered at 80%; subject to calendar year deductible Covered at 50%; subject to calendar year deductible

Delta Dental Plan Details Dental Benefit Coverage Deductible $50 per member/$150 per family per calendar year Maximum $1,000 per member each calendar year Preventive / Diagnostic Care* (Exams & Cleanings) 100% Restorative* (Fillings & Tooth Extraction) Supplemental* (Oral Surgery & Anesthesia) Prosthetic (Crowns and Dentures) 50% Periodontics (Gum Disease) Dental Benefit Weekly Premium Employee $5.92 Employee+ Spouse $10.75 Employee + Children $9.43 Family $15.57 If you enrolled for 2018 - you are enrolled for 2019 No new enrollments for 2019

VSP Vision Plan Details Vision Premiums Weekly Rate Employee $2.06 Employee+ Spouse $3.57 Employee + Children $3.63 Family $5.71 Dental Benefit Coverage Vision Exam – 1 per calendar year $10 copay Prescription Glasses $10 Copay Frames – 1 pair Every Other Year $150 Allowance Lenses - Single Vision lined bifocal or trifocal Every year Included Progressive lenses $55 Contacts Safety Glasses Separate pair – Same allowance as Regular glasses If you enrolled for 2018 - you are enrolled for 2019 No new enrollments for 2019

Short-term Disability Short Term Disability Insured by Liberty Life & pays a portion of your base pay if you are disabled Benefit equals 60% of pre-disability base pay up to $750.00 from day 6 to day 90 Benefits are payable for a maximum of 90 days Cost is 100% employee paid – Benefit is tax free You become eligible for the benefit on the 1st of the month following 90 days of service

Long-Term Disability Provided by Liberty Life Monthly Benefit 60% of salary Pays until Social Security Retirement age Elimination Period: 90 days Cost is 100% employee paid – Benefit is tax free You become eligible for the benefit on the 1st of the month following 90 days of service