1. Employee Benefits Williamson County Government & Board of Education

2. Important Notices Benefits Website: www.williamsoncounty-tn.gov/mybenefitswww.williamsoncounty-tn.gov/mybenefits, is your link to important online resources for: Enrollment forms Plan documents Eligibility requirements Locate Health Care Professionals Voluntary programs Notice of Privacy Policy & Practices Williamson County is HIPPA Compliant: Williamson County provides all full time employees at time of orientation the Notice of Privacy Policy & Practices. This notice describes how medical information about you may be used and disclosed and how you can get access to this information. IMPORTANT NOTICE Summary of Benefits and Coverage: Plan participants or eligible members may access “The Summary of Benefits and Coverage” (SBC) by visiting the Williamson County Benefits website at www.williamsoncounty-tn.gov/mybenefits or contacting any of the staff in the Benefits Department to request a printed copy. This document will provide individuals with standard information so they can compare medical plans as they make decisions about making plan choices. The Benefits Department is located in the Administrative Complex at 1320 West Main Street, Suite 204B, Franklin, TN 37064. Office hours are Monday through Friday 8:00 am - 4:30 pm. Fax # 615-790-5876 LeAyn BarnhillNew Hire Administration615-591-8521 leaynb@williamson-tn.org www.williamsoncounty-tn.gov/mybenefits

3. Williamson County offers the following benefits to all full-time employees:  Employer Paid Life Insurance  Medical Coverage Options  Prescription  Dental  Flexible Spending Account (FSA)  Voluntary Programs www.williamsoncounty-tn.gov/mybenefits Dependent Eligibility is as follows: Spouse Dependent Children  Birth Certificate is required at time of enrollment for dependents from birth to age 26. If the Birth Certificate is not received the dependent child will not be enrolled.  Dependent children may continue coverage until the age of 26. Please refer to the plan documents at our website for a detailed description of your benefits.

4. Employer Paid Basic Life Insurance  Williamson County provides at no cost to all full–time employees, a basic life insurance policy in the amount of $40,000.00 with AD&D included through Cigna.  The Employer Paid Basic Life Insurance coverage is effective on the Employee’s first day of full-time employment.  You may also enroll in Basic Dependent Life which provides $5,000 in coverage for your spouse and $2,500 per dependent child. Dependent children are covered from 15 days to age 26.  Please refer to the plan documents at our website for a detailed description of your benefits. www.williamsoncounty-tn.gov/mybenefits

5. Plan Year 2016 Medical Coverage www.williamsoncounty-tn.gov/mybenefits  Medical Benefits will be effective 31 days from your Full Time Date of Hire.  **You must set your HSA account up with JP Morgan Chase within the first 31 days of employment. Medical Plan Highlights EmployeeFamilyEmployeeFamily Medical Deductible In-Network Out of Network $1,300 $2,600 $5,200 $550 $1,250 $1,375 $3,125 Contribution To HSA by Employer** Up to $500 yearlyUp to $1,000 yearly$0 Completion of Health Risk Assessment with Biometric Screening** $125$125 (Spouse Only)Not Available Out of Pocket Expenses In-Network Out of Network Plan pays: 90% - After Deductible 50% - After Deductible Plan pays: 90% - After Deductible 50% - After Deductible Plan pays: 90% - After Deductible 50% - After Deductible Plan pays: 90% - After Deductible 50% - After Deductible Out of Pocket Maximum In –Network Out of Network $2,600 $5,200 $10,400 $2,500 Unlimited $5,000 Unlimited Prescription PlanOption 1 Prescription Plan Retail (30 Day Supply) Home Delivery (90 Day Supply) Retail (30 Day Supply) Home Delivery (90 Day Supply) Pharmacy DeductibleCombined With plan’s medical deductible Combined with plan’s medical deductible $0 Generic30% after deductible $15 Cigna Preferred40% after deductible $30 or 40%, max $100$50 Non-Preferred Brand50% after deductible $45 or 50%, max $150$85 Out-of-Pocket MaximumCombined with plan’s medical out-or-pocket $4,000 employee $8,000 family $4,000 employee $8,000 family OPTION 1OPTION 2 Deductible Plan with Health Savings AccountDeductible Plan

6. Spousal Insurance Verification  If your spouse is offered medical insurance benefits through their current employer, and your spouse declines the coverage, you will be charged an additional $100.00 per month surcharge in order to enroll your spouse on the Williamson County medical plan. This can be waived if your spouse is not employed, self employed, if their current employer does not offer benefits or your spouse enrolls in his/her employer plan as primary coverage and Williamson County as their secondary coverage. The Spousal Insurance Verification form must be completed in full and returned to the Benefits Department within your 31 day new hire eligibility period. Otherwise, your spouse will be added and the surcharge will apply. If the employee is enrolled in Option 1 Deductible Plan with H.S.A., please note that this plan will not coordinate with any other health plan except another High Deductible Health Plan (HDHP).** **HDHP is defined by the IRS in publication 969** www.williamsoncounty-tn.gov/mybenefits

7. Williamson County Government 2016 Cost of Medical Insurance Option 1 – Deductible Plan with Health Savings Account Employee Only$ 00.00$ 00.00 Employee + 1$101.26$ 46.74 Family$193.32$ 89.22 Option 1 – Deductible Plan with Health Savings Account Spousal Rule Surcharge Employee + 1$201.26$ 92.89 Family$293.32$135.38 Option 2 - DeductibleMonthlyPer pay period (26) Employee Only $ 00.00$ 00.00 Employee + 1 $164.52$ 75.93 Family$314.08$144.96 Option 2 Deductible Spousal Rule Surcharge Employee +1$264.52$122.09 Family $414.08$191.11 Per pay period deductions are based on the monthly cost and the number of pay periods in a 12 month period. www.williamsoncounty-tn.gov/mybenefits

8. Per Pay Period Deductions20 Pay/22 Pay/ 24 Pay/ Monthly 10 Month 11 Month 12 Month Option 1 – Deductible Plan with Health Savings Account Employee Only$ 00.00$ 00.00 $ 00.00$ 00.00 Employee + 1$101.26$ 60.76$ 55.23$ 50.63 Family$193.32$ 115.99$105.45$ 96.66 Option 1 – Spousal Surcharge Deductible Plan with Health Savings Account Employee + 1$201.26$120.76$109.78$100.63 Family$293.32$175.99$159.99$146.66 Option 2 - DeductibleMonthly10 Month11 Month 12 Month Employee Only $ 00.00 $ 00.00 $ 00.00$ 00.00 Employee + 1 $164.52 $ 98.71 $ 89.74$ 82.26 Family $314.08 $188.45$171.32$157.04 Option 2 - Deductible Spousal Rule Surcharge Employee +1$264.52 $158.71$144.28$132.26 Family$414.08$248.45$225.86$207.04 Per pay period deductions are based on the monthly cost and the number of pay periods in a 12 month period Williamson County Board of Education 2016 Medical Insurance Cost www.williamsoncounty-tn.gov/mybenefits

9. The In-Hospital Indemnity program is available to full-time employees who decline the group medical coverage offered by Williamson County because they have medical coverage through another plan. There is no cost to the employee for enrollment in this program. Full-time employees are only eligible for this program. Under the In-Hospital Indemnity Program, benefits are payable on a per diem basis for inpatient hospital confinements that are the result of non-occupational injury or sickness. An inpatient confinement is defined as a hospital stay of a minimum of 24 hours with a room & board charge. Benefits begin the first day of the confinement and are payable for up to a maximum confinement of 365 days per calendar year. There is a yearly maximum benefit of $10,000 per covered individual and a lifetime maximum benefit of $100,000 per covered individual. Claims must be submitted within one year from date of discharge. Reimbursement Schedule $72.50 per day In-Hospital Benefit (includes Maternity) $145.00 per day Intensive Care Benefit $145.00 per day Cancer Benefit $ 36.25 per day Convalescent Care If more than one type of hospital care listed above is received during the hospital confinement, only one daily benefit is payable per day. Therefore, daily benefits are not payable simultaneously under more than one category of hospital care. Questions regarding the Williamson County In-Hospital Indemnity Program, please contact Jaime White Benefits Specialist (615)591-8526 Jaimew@williamson-tn.orgJaimew@williamson-tn.org (or) Jaime.white@wcs.edu Williamson County IN-HOSPITAL Indemnity Program www.williamsoncounty-tn.gov/mybenefits

10. Williamson County Government 2016 Dental Benefits and Cost Dental benefits will be effective 31 days from your full-time hire date. Diagnostic & preventive services are paid at 100%. There is a yearly deductible of $50.00 per enrollee or $100.00 family deductible maximum. The deductible applies to basic & major services. Basic services are paid at 80% and major services are paid at 50%, with a $1,000.00 yearly maximum benefit per enrollee. Orthodontics has a $1,000.00 lifetime maximum benefit per enrollee. There are 2 Provider Networks to choose a Dentist from, PPO and Premier. Williamson County Government Employee Only:$0.00 Employee + Family$7.42 All cost are based on 26 payroll deductions Board of Education (BOE) Employee Only:$0.00 Employee +Family: 20 pay periods$9.64 22 pay periods$8.77 24 pay periods$8.04 All cost are based on 20, 22, or 24 pay periods Please refer to the plan documents at our website for a detailed description of your benefits. Delta Dental Customer Service800-223-3104www.deltadentaltn.comwww.deltadentaltn.com www.williamsoncounty-tn.gov/mybenefits

11. Flexible Spending Account (FSA)  You may choose to take money out of your paycheck on a pre-tax basis for the following expenses: Medical expenses up to $2,500.00 per calendar year. (Non HSA Medical plan ONLY) Daycare expenses up to $5,000.00 per calendar year.  The Flexible Spending Account will be effective 31 days from your full- time hire date.  You must re-enroll during the open enrollment period to continue the Flexible Spending Benefit each calendar year. The plan begins January 1st or the date your benefits become effective and ends December 31st.  Please refer to the plan documents at our website for a detailed description of your benefits www.williamsoncounty-tn.gov/mybenefits

12. Life Changing Event / Open Enrollment Life Changing Events are: DivorceLegal CustodyLoss of other coverage MarriageAdoptionGaining other coverage DeathBirth When a life changing event occurs, you have 31-days from the date of the event to notify the Benefits Department and provide the appropriate documentation to change your benefits. If you do not notify the Benefits Department within the 31-day eligibility period, your next opportunity to make changes will be during the annual open enrollment period. Open Enrollment: Open Enrollment is the one time a year, eligible employees have the opportunity to make changes to their benefits. Normally open enrollment is held in the fall of each year. Please refer to the plan documents at our website for a detailed description of your benefits www.williamsoncounty-tn.gov/mybenefits

13. Voluntary Benefits In addition to medical and dental benefits, Williamson County offers supplemental insurance through The Drury Group. These benefits, if enrolled in, are 100% Employee paid through payroll deduction. Williamson County does not pay any portion of the premium cost. Newly hired employees have 60 days to enroll in the voluntary insurance plans in order to be eligible for Guarantee Issue. Enrollment after this period will be subject to underwriting approval. Employee will be responsible for providing proof of good health. Voluntary benefits become effective the 1st of the month following 60 days of employment. If you have questions or wish to enroll, please contact: The Drury Group, Inc. Charles Pareigis: (615) 628-3382 or charles@drurygroup.comcharles@drurygroup.com Roxanne Sanders: (615) 628-3377 or roxanne@drurygroup.comroxanne@drurygroup.com www.williamsoncounty-tn.gov/mybenefits

14. Vision Insurance Insured receives the following allowance to use for covered expenses…  Exam: $75 every 12 months  Frames: $125 every 12 months  Single Lenses: $50 every 12 months  Bifocal Lenses: $75 every 12 months  Trifocal Lenses: $100 every 12 months  Lenticular Lenses: $100 every 12 months  Contacts: $175 / pair every 12 months (in lieu of lens & frame benefit) Monthly Rates: Employee Only:$10.10 Employee + 1:$18.92 Family:$28.87 Underwritten by Ameritas www.williamsoncounty-tn.gov/mybenefits

15. Supplemental Life Additional life insurance for you & your eligible dependents  Newly Hired Employee: Guarantee Issue: 5 x’s annual salary or $150,000, whichever is less Maximum Benefit: 7 x’s annual salary or $750,000, whichever is less, $10,000 increments  Spouse of Newly Hired Employee: Guarantee Issue: 50% of the employee benefit to a maximum of $50,000, $5,000 increments Maximum Benefit: 50% of the employee benefit to a maximum of $100,000  Dependent Children of Newly Hired Employee: Live Birth – 6 months:$1,000 6 months – age 26:$10,000 (available in $2,500 increments)  Rates are based on age & the benefit amount elected. www.williamsoncounty-tn.gov/mybenefits Employees must enroll in coverage within 60 days of Date of Hire in order to be eligible for Guarantee Issue. Any enrollment (regardless of benefit amount) after the initial eligibility period is subject to underwriting approval and employee must be able to provide proof of good health to SunLife. Underwritten by Cigna

16. Short-Term Disability Short-term disability provides an income benefit if you become disabled and are unable to work due to an off the job accident or illness Benefits begin 7 or 14 days, you are unable to work, based upon the plan you choose Benefits are paid for 3 months (90 days) of a medically diagnosed disability Maximum benefit is 60% of weekly earnings. Coverage will be Guaranteed Issue during your initial new hire period for benefit amounts up to $3,000/month. Coverage up to $6,000/month may be obtained with limited medical underwriting Pre-existing condition exclusions may apply during the first 12 months you are insured by the policy Rates are based on age, salary, and benefit amount selected AFLAC will pay benefits regardless of any other benefits you collect, including sick pay, PTO, sick bank or vacation benefits AFLAC Coverage is portable after employment ends, renewable to age 75, and may even pay a benefit if you are not working full time at the time of disability Underwritten by AFLAC www.williamsoncounty-tn.gov/mybenefits

17. Long-Term Disability Long-term disability provides an income benefit if you become disabled and are unable to work due to accident or illness Benefits begin 90 days after you are unable to work Benefits are paid to Social Security Defined retirement age or until you are released by physician to return to work Benefit is 60% of monthly earnings to a maximum of $5,000 month Rates are based on the employees age and salary amount Pre-existing conditions could apply during the first 2 years of coverage on all enrollees as of effective date of coverage Payable benefits may be offset by other forms of income, such as:  Worker’s Comp  Social Security  State or federal government retirement plan  Pension plan  Salary Continuance – such as sick leave paid by employer Underwritten by Cigna www.williamsoncounty-tn.gov/mybenefits

18. AFLAC Critical Illness If enrolled in this program it pays benefits directly to you if you are diagnosed with one of the following illnesses. Available Benefits: Employee $10,000 or $20,000 Spouse $ 5,000 or $10,000  Cancer (internal or invasive) Pays 100% of Benefit  Heart Attack (myocardial infarction)Pays 100% of Benefit  Stroke (apoplexy or cerebral vascular accident)Pays 100% of Benefit  Major Organ Transplant Pays 100% of Benefit   Renal Failure (End Stage)Pays 100% of Benefit  Carcinoma In Situ Pays 25% of Benefit  Coronary Artery By-Pass Surgery Pays 25% of Benefit www.williamsoncounty-tn.gov/mybenefits

19.  Enrolling in the accident plan means that in the event of an accident, benefits are paid directly to you to help cover the costs associated with unexpected bills such as ambulance rides, wheelchairs, stitches, use of the emergency room, and casts.  No Limit on # of claims  Pays regardless of any other insurance plans you may have for injuries on the job or off the job  Benefits for both inpatient and outpatient treatment of covered accidents  Benefits available for spouse and/or dependent children  Guaranteed Issue (no underwriting required)  Coverage is portable upon termination at the same monthly rate AFLAC Accident www.williamsoncounty-tn.gov/mybenefits EmployeeEmployee + SpouseEmployee + ChildrenFamily $ 19.65$ 29.45$ 34.44$ 44.24

20. www.williamsoncounty-tn.gov/mybenefits Additional Voluntary Benefits available through payroll deduction are…. Long Term Care – security for the future This voluntary program is only available to County Government Employees only Additional information about this benefit is available upon request. Please contact: The Drury Group, Inc. Charles Pareigis or Roxanne Sanders (615) 708-6679 or (615) 791-0128

21. Overview You are NOT automatically enrolled in any of the insurance benefits Williamson County offers.  Medical, Dental and Flexible Spending Account enrollment must be returned within 31-Days of your full time start date by completing the appropriate enrollment forms.  Voluntary program(s) enrollment forms must be returned within 60-Days of your full time start date by completing any of the necessary paperwork required by that plan. The following information must be returned to enroll in any of the Benefit Programs:  Medical Insurance – Enrollment form, Spousal Verification (if applicable) & Birth Certificate (if applicable).  Dental Insurance – Enrollment form & Birth Certificate (if applicable).  Employer Paid Life Insurance – Enrollment Form will be completed & turned in during the Benefits Orientation.  Voluntary Benefits: LTD, STD, Supp. Life, Critical Illness & Vision - Enrollment forms required by that plan. For your records, make copies of paperwork you send to the Benefits Department. Please note: Medical, Dental, Vision, Flexible Spending Account (FSA) & Employee Contributions to the Health Savings Account (HSA) benefits are deducted from your paycheck on a pre-tax basis, unless the employee notifies payroll differently. www.williamsoncounty-tn.gov/mybenefits