Lawrence Berkeley National Laboratory Postdoctoral Scholar Supplemental Benefit Plans Open Enrollment Presentation October 31, 2011 through November 22, 2011 All Changes Effective January 1, 2012

Agenda Introduction Introduction Review of Postdoc Benefits & Plan Designs Review of Postdoc Benefits & Plan Designs Review the open enrollment process Review the open enrollment process Q & A Q & A

Introduction  Lawrence Berkeley National Laboratory (LBNL) has partnered with Garnett-Powers & Associates to administer the postdoc supplemental benefit plans.

2012 Benefits Open Enrollment  Timing: October 31- November 22, 2011  Open Enrollment Actions:  Enroll yourself or your eligible dependents in the dental and/or vision plan if you previously waived (declined) coverage  Add eligible dependents  End coverage for yourself and/or dependents

Benefit Plans Administered by Garnett-Powers & Associates Dental Insurance Dental Insurance Vision Insurance Vision Insurance Life Insurance Life Insurance Short Term Disability Insurance Short Term Disability Insurance Long Term Disability Insurance Long Term Disability Insurance

Dental Insurance

What is a POS Dental Plan? The Point of Service (POS) benefit design has three level of benefits available. The Point of Service (POS) benefit design has three level of benefits available. »Exclusive Provider Organization (EPO) level »Preferred Provider Organization (PPO) level »Non- Network Level You receive greater savings through dentists who participate in the EPO and PPO networks. You receive greater savings through dentists who participate in the EPO and PPO networks. Maximum Accumulation allows for a portion of unused maximum benefit to carry over to next year’s maximum benefit amount. Maximum Accumulation allows for a portion of unused maximum benefit to carry over to next year’s maximum benefit amount. With a POS plan the benefit received is determined at the time of service depending on the type of provider you visit for care. With a POS plan the benefit received is determined at the time of service depending on the type of provider you visit for care. No need to sign up with a particular dentist or get approval before changing dentist or visiting a specialist. No need to sign up with a particular dentist or get approval before changing dentist or visiting a specialist. All EPO and PPO dentists locations are open to new patients. All EPO and PPO dentists locations are open to new patients.

Postdoc Dental POS Plan Principal Insurance Company EPO PPO Non-Network Postdoc Pays Postdoc Pays Postdoc Pays * Calendar Year Maximum $2,000 $1,500$1,500 * Calendar Year Deductible$0 per person $0 per person $25 Individual/$75 Family Diagnostic and Preventative Care Routine Exam (2 per 12 months)No ChargeNo ChargeNo Charge Routine Teeth Cleaning (4 per 12 months)No ChargeNo ChargeNo Charge Routine X-RaysNo ChargeNo ChargeNo Charge Basic Procedures Fillings No Charge10%20% Endodontics No Charge10%20% Non-Surgical Periodontics No Charge10%20% Simple Oral Surgery No Charge10%20% Complex Oral Surgery No Charge10%20% Major Procedures Crowns 40%50%50% Bridgework 40%50%50% Dentures 40%50%50% Orthodontia $1,000 Lifetime Maximum (Child only)50%50%50% * Calendar Year Maximum and Calendar Year Deductibles are combined. Postdoc Dental POS Plan Principal Insurance Company EPO PPO Non-Network Postdoc Pays Postdoc Pays Postdoc Pays * Calendar Year Maximum $2,000 $1,500$1,500 * Calendar Year Deductible$0 per person $0 per person $25 Individual/$75 Family Diagnostic and Preventative Care Routine Exam (2 per 12 months)No ChargeNo ChargeNo Charge Routine Teeth Cleaning (4 per 12 months)No ChargeNo ChargeNo Charge Routine X-RaysNo ChargeNo ChargeNo Charge Basic Procedures Fillings No Charge10%20% Endodontics No Charge10%20% Non-Surgical Periodontics No Charge10%20% Simple Oral Surgery No Charge10%20% Complex Oral Surgery No Charge10%20% Major Procedures Crowns 40%50%50% Bridgework 40%50%50% Dentures 40%50%50% Orthodontia $1,000 Lifetime Maximum (Child only)50%50%50% * Calendar Year Maximum and Calendar Year Deductibles are combined.

V ISION I NSURANCE

Postdoc Vision PPO Plan Vision Service Plan (VSP) Vision Benefits In-Network Out of Network Postdoc Pays Postdoc Allowance Postdoc Pays Postdoc Allowance Exam with Dilation (if necessary)$10 Copay $50 Allowance Frame and Lenses:$25 Copay From $50 to $100 Allowance Contact Lenses$120 Allowance$105 Allowance Frequency: ExaminationOnce Every 12 Months Lenses or Contact LensesOnce Every 12 Months FrameOnce Every 24 Months

L IFE I NSURANCE

Postdoc Life Insurance Plan Mutual of Omaha Insurance Company Postdoc Life Insurance Plan Mutual of Omaha Insurance Company The plan pays $45,000 in the event of a death. The plan pays $45,000 in the event of a death. Accelerated Benefit Provision – Allows eligible members who are terminally ill to receive an early allocation of up to 75% of their group life insurance benefit. Accelerated Benefit Provision – Allows eligible members who are terminally ill to receive an early allocation of up to 75% of their group life insurance benefit.

Repatriation & Medical Evacuation Coverage International Postdocs and their dependents are not required to purchase supplemental coverage for their J1 and J2 Visa requirements. The Mutual of Omaha Life Insurance Program satisfies these requirements even if the Postdoc waives the dental, or vision coverage. International Postdocs and their dependents are not required to purchase supplemental coverage for their J1 and J2 Visa requirements. The Mutual of Omaha Life Insurance Program satisfies these requirements even if the Postdoc waives the dental, or vision coverage.

S HORT T ERM D ISABILITY I NSURANCE

Postdoc Short-Term Disability Plan Mutual of Omaha Insurance Company The plan pays 60% of the weekly pre-disability earnings. The plan pays 60% of the weekly pre-disability earnings. The maximum weekly benefit is $1,000 per week. This benefit is reduced by deductible income such as workers’ compensation. The maximum weekly benefit is $1,000 per week. This benefit is reduced by deductible income such as workers’ compensation. The minimum benefit is $ The minimum benefit is $ The benefit waiting period is 0 days for disability caused by an accidental injury and 7 days for disability caused by sickness or pregnancy. The benefit waiting period is 0 days for disability caused by an accidental injury and 7 days for disability caused by sickness or pregnancy. The maximum benefit period is 26 weeks. The maximum benefit period is 26 weeks. The plan covers non-occupational disability only. The plan covers non-occupational disability only.

L ONG T ERM D ISABILITY I NSURANCE

Postdoc Long-Term Disability Plan Mutual of Omaha Insurance Company The benefit waiting period is 180 days of the disability. This program starts when the Short Term disability ends. The benefit waiting period is 180 days of the disability. This program starts when the Short Term disability ends. The maximum monthly benefit is $5,000. This benefit is reduced by deductible income such as workers’ compensation and CA State Disability. The maximum monthly benefit is $5,000. This benefit is reduced by deductible income such as workers’ compensation and CA State Disability. Your benefit is equivalent to 60% of your before-tax monthly earnings, not to exceed the plan’s maximum monthly benefit amount, less other income sources. Your benefit is equivalent to 60% of your before-tax monthly earnings, not to exceed the plan’s maximum monthly benefit amount, less other income sources. Once approved, benefits are payable each month while you are disabled up to age 65. The benefit maximum is graded according to the Age Discrimination Employment Act, if you are disabled after age 62. Once approved, benefits are payable each month while you are disabled up to age 65. The benefit maximum is graded according to the Age Discrimination Employment Act, if you are disabled after age 62.

The Open Enrollment Process The Postdoc should go to the Garnett-Powers & Associates website at and click on the “Enrollment” link and then the sub link “Open Enrollment”. The Postdoc should go to the Garnett-Powers & Associates website at and click on the “Enrollment” link and then the sub link “Open Enrollment”. The Postdoc should then click on the “Open Enrollment Instructions” link and print them out for assistance with completing the enrollment form properly. The instructions will guide you to the appropriate parts of the form that need to be completed to reflect your changes for 01/01/12. The Postdoc should then click on the “Open Enrollment Instructions” link and print them out for assistance with completing the enrollment form properly. The instructions will guide you to the appropriate parts of the form that need to be completed to reflect your changes for 01/01/12. Once the guidelines are in hand, go directly to the “Enrollment Form”. The enrollment form must be completed online. You may print a copy for your records, once it’s complete. Once the guidelines are in hand, go directly to the “Enrollment Form”. The enrollment form must be completed online. You may print a copy for your records, once it’s complete. When the enrollment form is complete, the Postdoc must confirm that s/he has read and understands the “COBRA Initial Notification” as required by federal regulations. When the enrollment form is complete, the Postdoc must confirm that s/he has read and understands the “COBRA Initial Notification” as required by federal regulations.

Family Member Eligibility Family member eligibility requirements are the same as the family member eligibility requirements for the UC Benefit plans. The major family member categories are the following: Family Member Eligibility Family member eligibility requirements are the same as the family member eligibility requirements for the UC Benefit plans. The major family member categories are the following: Spouse Spouse Natural or adopted child or children to age 26 (unless eligible to continue coverage because of disability) Natural or adopted child or children to age 26 (unless eligible to continue coverage because of disability) Stepchild to age 26 if unmarried if they live with the Postdoctoral Scholar, is supported by the Postdoctoral Scholar at more than 50% and is claimed as a tax dependent by the Postdoctoral Scholar or spouse Stepchild to age 26 if unmarried if they live with the Postdoctoral Scholar, is supported by the Postdoctoral Scholar at more than 50% and is claimed as a tax dependent by the Postdoctoral Scholar or spouse Same-sex domestic partner. Same-sex domestic partner. Opposite-sex domestic partner (per AB205) Opposite-sex domestic partner (per AB205)

For Additional Information: Garnett-Powers & Associates Garnett-Powers’customer service Garnett-Powers’customer service

LBL Benefit Plans Questions to: HR Benefits Group (510)