2018 OPEN ENROLLMENT GUIDE - OCTOBER 16-29, 2017 - Kenko at SPE

2018 OPEN ENROLLMENT GUIDE - OCTOBER 16-29, 2017 - Kenko at SPE
OCTOBER 16-29, 2017
                   2018 OPEN ENROLLMENT GUIDE

Enroll online at SPE Benefits Center: https://BenefitsCenter.spe.sony.com
Get answers to your questions from an SPE Benefits Center Representative: 1-833-9-SONY-01

Beginning October 16, 2017, report any 2017 changes/life events to both the old Benefits Connection and the new SPE Benefits Center

A copy of the updated Summary Plan Description (SPD) for your Sony Pictures Entertainment Health and Welfare Benefits Plan (“Plan”) is posted
on www.KENKOatSPE.com. This important document explains the terms and conditions of your Plan, including eligibility, coverage amounts and
exclusions. Please share this with your family members who are also covered under this Plan. If you want a paper version of the SPD, please
request one by emailing PO_EmployeeDirect@spe.sony.com. There is no additional charge for it.

                                                                                    SONY PICTURES ENTERTAINMENT
2018 OPEN ENROLLMENT GUIDE - OCTOBER 16-29, 2017 - Kenko at SPE















Information on Medicare Part D Prescription
Coverage can be found on page 20

Your Open Enrollment Checklist
• Review the Open Enrollment materials at www.KENKOatSPE.com
• Is your doctor in the Aetna Network? Go to Aetna’s Custom Docfind at www.aetna.com/dse/custom/sony
• Need to understand which plan may be right for you? Check out Ask Emma
• Review the Summary of Benefits Coverage (SBC) at www.KENKOatSPE.com
• Attend a benefits presentation or listen to a webinar for information on plan options. Have more questions?
     If you’re in Culver City, stop by “Ask the Experts” October 16-27, from 12 - 2 p.m. on Main Street
2018 OPEN ENROLLMENT GUIDE - OCTOBER 16-29, 2017 - Kenko at SPE
   It’s Open Enrollment time, and we are excited to introduce a new benefits platform – SPE Benefits Center –
   to guide you through the process and be a resource for benefits in 2018 and beyond. SPE Benefits Center
   provides an enhanced employee experience, includes new tools and resources like “Ask Emma,” and
   supports our “One Sony” initiative by aligning us with our sister companies in using the same platform.

   We will continue to offer eligible employees a generous benefits package which includes: our dedicated
   on-site Aetna nurse advocate MaeDel Martin, Best Doctors, and Teladoc. While there are minimal changes
   to the benefit plans for the 2018 plan year, health care costs continue to rise and you will see this in your
   cost of coverage. As always, we remind you to stay in-network as that is the best way to keep costs down.

   We remain committed to making sure that your health care benefits are comprehensive, convenient, and
   easy to understand. Visit www.KENKOatSPE.com for more information.

   Stay well,

   George Rose
   Executive Vice President
   People & Organization

                                                         • New SPE Benefits Center platform!

                                                         • Medical, dental and vision premiums are changing-
                                                           See the “Cost for Coverage” pages for details

FOR 2018?                                                • Eliminated $10 vision office visit copay
                                                         • Consumer Choice deductible increasing to IRS minimum
2018 OPEN ENROLLMENT GUIDE - OCTOBER 16-29, 2017 - Kenko at SPE
    Enroll on our new platform, SPE Benefits
    Center, by 9 p.m. PST, October 29, 2017                                NOTE:
                                                                           Please print your confirmation page and retain for
    Online: https://BenefitsCenter.spe.sony.com
                                                                           your records. Please notify the Plan Administrator
    By Phone: 1-833-9-SONY-01
                                                                           immediately if you see a discrepancy between the
    Monday-Friday, 5 a.m. - 7 p.m. PST                                     benefits you elect and the amount withheld on your pay.
    Otherwise, you must wait until next year’s Open Enrollment to
    make changes unless you have a change in status or qualifying
    life event. Refer to your Plan’s Summary Plan Description
    (SPD) on www.KENKOatSPE.com for a complete list of
    qualifying life events and change in status rules.               Making Changes to Your Coverage
    If You Do Nothing                                                During the Year
    If you do not actively go into our new platform, SPE Benefits    Consistent with IRS rules, you may make changes during the
    Center, during Open Enrollment, most of your 2017 benefits       year only if you have a change in status or qualifying life event.
    will automatically roll over for 2018.                           These events may include the following:
    REMEMBER: Health Savings Accounts (HSA) and Flexible                 • You get married or declare a domestic partnership
    Spending Accounts (FSA) elections don’t roll over; a new             • You become legally separated, get divorced, or terminate a
    election is required to participate.                                   domestic partnership

    Eligibility                                                          • You have a baby, adopt a child, or obtain legal custody
                                                                           of a child
    Eligibility for some plans may vary by location. Generally,
    if you are eligible for SPE benefits, you may also enroll your       • You lose a dependent through death or loss of legal custody
    legal spouse, same- or opposite-sex domestic partner, and            • Your child loses eligibility for coverage
    your children1.
                                                                         • You or your dependent lose other coverage
    Dependent Eligibility Audit                                      If you experience one of these events, you must:
    SPE conducts an audit of dependents covered under the            1. Notify SPE Benefits Connection to update your 2017 elections
    company’s health plans to verify that they are eligible to       2. Notify SPE Benefits Center to update your 2018 elections
    receive benefits. You must provide documentation that
    confirms your dependents are eligible. A SSN is required         Waiving Coverage
    for all dependents over 1 year of age.
                                                                     If you do not want benefits coverage through SPE, be sure to
    Tax Implications of Covering a Domestic Partner                  choose “waive coverage”.
    If you enroll your domestic partner and any of his or her         Eligible children are your biological children, stepchildren, legally adopted
                                                                     children, foster children, or children of your legal spouse or domestic
    dependents in your health care coverage, the IRS requires that   partner. For stepchildren and children of a domestic partner to qualify for
    you pay federal income tax on the fair market value of their     coverage, you must provide more than half of their support. You may enroll
    coverage. This is called imputed income. For more information    your domestic partner’s children only if your domestic partner is enrolled.
    about imputed income, see the SPD at www.KENKOatSPE.com.         For information about domestic partner eligibility, please refer to the
                                                                     Summary Plan Description available on www.KENKOatSPE.com.
    Update Your Dependent Status
    Please review the information on file for your dependents to
    make sure their Social Security Numbers (SSNs) are on file
    and listed correctly. The Affordable Care Act (ACA) requires
    SSNs so that SPE can provide you with accurate records.                ATTEND A BENEFITS PRESENTATION
                                                                           Attend a benefits presentation or listen to a webinar
                                                                           for information on plan options. Find the details
                                                                           on mySPE. Still have more questions? If you’re in
                                                                           Culver City, stop by to “Ask the Experts” October
                                                                           16-27 from 12 - 2 p.m. on Main Street.

4                                                                                                                                                4
2018 OPEN ENROLLMENT GUIDE - OCTOBER 16-29, 2017 - Kenko at SPE
Meet Ask Emma.

     EMMA is SPE’s online virtual assistant that helps you get the most from your benefits. She can help you figure out
     which plan is right for you and your family. She also explains how your benefits work. EMMA asks you questions to
     help make sure you get — and understand — the benefits information you need.
     She’ll ask you questions that pertain to you. Her plan recommendations are based on those answers. The information
     you share with EMMA is confidential. It’s used only to help you find the health plan that best fits your needs.
     Try out EMMA as your benefits advisor in the SPE Benefits Center: https://BenefitsCenter.spe.sony.com

     Aetna Plan Selection & Cost Estimator
     Take a deeper dive with your actual expenses
     Use Aetna’s Plan Selection and Cost Estimator that allows you to estimate out-of-pocket health care costs, compare
     plan offerings and determine which plan best meets your needs and those of your family.
     Log in at: https://www.aetna.com/planselection/mbrDis.jsp?id=1055

Helpful Terms to Know
Before you dive into the plans, it helps to understand some of the terms you’ll come across.
                             This is the percentage you pay for most covered expenses after you have satisfied the annual deductible.
                             For example, if your plan pays 80%, your coinsurance is 20%.
                             This is a fixed dollar amount that you pay for specific covered expenses, such as an office visit or generic
                             prescriptions. When a copayment is required, the remaining cost isn’t subject to the annual deductible or to
Copayment                    coinsurance. For example, if you pay a $25 copayment for an office visit with your primary care physician, the
                             plan pays the balance; the annual deductible doesn’t apply. Copayments vary by plan and may be different for
                             in-network and out-of-network services. They also count toward your out-of-pocket maximum.
                             This is the amount you must pay each calendar year out-of-pocket for most covered medical expenses before
Deductible                   the plan pays benefits. For the Sony Consumer Choice Plan, almost all covered services and prescription
                             drugs are subject to the deductible.
                             This is the most you’ll pay in a calendar year for covered medical expenses. Your out-of-pocket maximum
Out-of-pocket maximum        is based on which plan you choose, the number of people you cover and whether you use in-network or
(OOP)                        out-of-network providers. Your out-of-pocket expenses include money you pay for copays, coinsurance and
                             deductibles, whether for services or prescription drugs.
                             Certain services that you receive from a provider that are intended to help you avoid illness and improve your
                             health. In-network preventive care is covered at 100% under all plans, and may include services like:
Preventive care
                             • Annual physical
                             • Blood pressure, diabetes and cholesterol tests

2018 OPEN ENROLLMENT GUIDE - OCTOBER 16-29, 2017 - Kenko at SPE

SPE provides four medical plan options that meet your                          Example 1:
individual and family needs.                                                   Barbara has medical coverage for herself, her spouse and
                                                                               their two children.
Sony Consumer Choice Plan with                                                 The in-network family deductible of $2,700 has not been met.
Health Savings Account (HSA)                                                   Since the total family deductible has not been met, the family
                                                                               will continue to pay Aetna’s full negotiated rate for services
The Sony Consumer Choice Plan is a PPO plan that includes                      and prescriptions until their covered expenses reach $2,700.
a Health Savings Account. You have the flexibility to visit any
doctor or specialist you choose, in-or out-of-network. You’ll                   Participant                          Covered Expenses
have lower monthly premiums than with any of the other plans
                                                                                Barbara                              $1,350
offered – but also a higher annual deductible. In this plan,
many of your prescription drugs are subject to your medical                     Spouse                               $ 100
plan deductible so you will have to pay 100% of the cost for
                                                                                Child #1                             $ 250
them until you reach your deductible1.
                                                                                Child #2                             $   50
The Sony Consumer Choice Plan is designed to work in
conjunction with a Health Savings Account.                                      Total                                $1,750
Review the plan comparison chart on page 9 for more
information about the Plan’s coverage.                                         Example 2:
                                                                               Barbara’s family has met the deductible of $2,700 so the
How the Deductible Works in the                                                plan benefits will pay at 80% for the whole family. The
                                                                               family has also reached the total family in-network out of
Consumer Choice Plan                                                           pocket maximum (including annual deductible, copays and
The family deductible works differently than with the standard                 prescriptions) of $7,500, so the plan pays 100% of future
PPO plan. Family is defined as any coverage with more than                     in-network costs, including prescription drugs for the year.
employee only (i.e. employee + children or spouse/partner)
With the Sony Consumer Choice Plan, the family must meet                        Participant                          Covered Expenses
the family deductible before the plan starts paying benefits.                   Barbara                              $1,500
Remember, until the deductible is met, you pay the full cost of
health care and prescription drugs.                                             Spouse                               $4,500
Once you meet the family in-network deductible, the plan’s                      Child #1                             $1,000
coinsurance will kick in and you will only pay 20% for all                      Child #2                             $ 500
covered in-network medical services until you reach the family
in-network out-of-pocket maximum. Prescription drugs will be                    Total                                $7,500
paid at the rates shown on page 10.

    The Sony Consumer Choice Plan covers many preventive drugs at 100%. For more information, please see page 10 in the Prescription Drug section.

2018 OPEN ENROLLMENT GUIDE - OCTOBER 16-29, 2017 - Kenko at SPE
MEDICAL PLANS                                         CONT’D
The Health Savings Account (HSA)
If you enroll in the Sony Consumer Choice Plan, you may
enroll in a Health Savings Account (HSA).                                      ESTABLISH YOUR HSA
An HSA is a permanent and portable tax-deferred account that                   Your HSA must be established before qualified
is used to pay for qualified out-of-pocket medical expenses.                   medical expenses are incurred to receive
Unused funds can roll over year to year.                                       distributions free from federal taxes and state tax (for
                                                                               most states). The “Establishment Date” of an HSA is
Unlike a FSA, there is no “use it or lose it” penalty. The HSA is
                                                                               important because account holders can only receive
a special tax-advantaged account, similar to a bank account
                                                                               tax-free distributions from their HSA to pay or be
where you can earn interest and earnings on the balance. If
                                                                               reimbursed for qualified medical expenses incurred
you leave the company, you can take the HSA with you. The
                                                                               after the date the HSA is considered “established.”
HSA is not an SPE-sponsored benefit program or an insured
account. It’s an account that you own.                                         For example, if you go to the doctor on January 5,
                                                                               but don’t open your account until January 30,
Contributions                                                                  those January 5 expenses are not eligible
                                                                               for reimbursement.
The maximum that can be contributed to an HSA acount in 2018
is $3,450 for individuals, or $6,900 for a family, which includes              When you enroll in the Sony Consumer Choice Plan,
the SPE contribution. You can contribute to your account on a                  your HSA account is automatically opened for you.
pre-tax basis with contributions deducted from your paycheck. If               However, Section 326 of the Patriot Act requires
you don’t sign up for contributions when you are first hired, you              all banks to verify the identity of anyone who tries
can change your contributions during the year or make after-tax                to open an account. The information used is your
contributions later. If you’re age 55 or older, you can make an                legal name, social security number, date of birth
additional $1,000 “catch-up” contribution to your HSA – also                   and address (no P.O. boxes). Aetna will automatically
tax-free.1                                                                     open your account, and will notify you if they need
                                                                               more information for verification purposes.
2017 HSA Annual Contribution Limits                                            Make sure that your legal name matches what is
                           SPE                CONTRIBUTION                     on your social security card (i.e., if you recently got
    HSA TYPE                                                                   married or changed your name) and that your legal
                       CONTRIBUTION              LIMIT
                                                                               name matches your SPE file. If not, there may be a
 Employee only       $500                    $3,450                            delay in establising your account.
 Family              $1,000                  $6,900

Qualifying for an HSA                                                     Contributions are free from federal taxes, but in some areas, state tax

                                                                          may apply.
It is your responsibility to ensure you’re eligible to enroll in an   2
                                                                          If you enroll in Medicare mid-year, you can use still use the existing
HSA. To be an eligible individual and qualify for an HSA, you              funds in your HSA, you just cannot make new contributions or continue
must meet the following requirements:                                      to receive contributions from SPE. If you do enroll in Medicare and are
                                                                           contributing to the HSA, you must notify SPE Benefits Center that you
  • You must be covered under the Sony Consumer Choice                     are no longer eligible to contribute to the HSA and waive future HSA
     Plan, on the first day of the month.                                  contributions from SPE.
  • You have no other health coverage (except what is
     permitted under IRS rules).
  • You are not enrolled in Medicare.2
  • You cannot be claimed as a dependent on someone else’s
     tax return.
  • You or your spouse cannot have a general purpose Health
     Care FSA or Health Reimbursement Account (HRA). But
     you can enroll in a limited Purpose Health Care FSA (See
     page 12 for details).
  • The HSA can only be used for federal tax dependents.
When opening up an HSA, the account holder is the only one
that must meet the IRS eligibility requirements even if covered
under a family medical plan. Review the IRS rules on HSAs for
more details: www.irs.gov (Publication 969).
2018 OPEN ENROLLMENT GUIDE - OCTOBER 16-29, 2017 - Kenko at SPE
MEDICAL PLANS                                      CONT’D
Sony PPO Plan                                                        How the deductible works in the PPO/EPO Plan
This plan allows you to visit any health care provider you want,     Example 1:
but pays more when you use in-network providers. The PPO             Robert and his family are in the Sony PPO Plan. He has met
Plan’s network is the same as the Consumer Choice Plan. You          the individual deductible of $600, so his plan benefits will
must meet the deductible before the plan starts paying except        begin paying at 80%. However, the total family deductible of
for in-network office visits, which are subject to a copayment,      $1,200 has not been met, so his spouse and child will continue
and in-network preventive care. If you have enrolled any             to pay Aetna’s full negotiated rate for services until the family
dependents, each person will be subject only to the individual       deductible is met.
deductible amount until the entire family deductible is met. You
may meet the family deductible by any combination of covered          Participant                    Covered Expenses
medical expenses you and your covered family members incur.
                                                                      Robert                         $600
How the deductible works
When you use in-network doctors and facilities, the annual            Spouse                         $100
individual deductible is $600 and the family deductible is $1,200.
                                                                      Child                          $200

Sony EPO Plan                                                         Total                          $900
The EPO is an in-network-only PPO with a modest deductible.
You may visit any doctor in the Aetna Select EPO network
without needing a referral. Like the Sony PPO, you’ll pay for        Example 2:
all expenses until you reach the deductible, but preventive          Robert’s family has met the deductible in-network so the plan
care and certain preventive drugs are covered at 100%, and           benefits will pay at 80% for the whole family.
office visits are subject only to a copayment. Note that this
network is slightly different from the Aetna network for the          Participant                    Covered Expenses
Sony Consumer Choice and PPO plans, so make sure you
refer to the correct network when checking on your provider.          Robert                         $500
You don’t have to choose a primary care physician (PCP), but
                                                                      Spouse                         $200
having one provides better care continuity.
                                                                      Child                          $500
Kaiser HMO Plan (available in California only)
                                                                      Total                          $1,200
You must use health care providers and facilities in the Kaiser
network only. You choose a primary care doctor who will
direct you to a specialist if necessary. Most services require a
copay, and there are no deductibles.
For more information, review the “Sony Medical Plans at a
Glance” chart on page 9.

2018 OPEN ENROLLMENT GUIDE - OCTOBER 16-29, 2017 - Kenko at SPE
This table is an overview of your medical plan options and the coverage available under each plan. For additional plan details, see
the applicable Summary Plan Description (SPD) or Summary of Benefits and Coverage (SBCs) on www.KENKOatSPE.com.
Changes for 2018 are in PINK.

                                                    SONY CONSUMER                                                                  KAISER HMO
    PLAN FEATURE                                                                  SONY PPO                 SONY EPO
                                                        CHOICE                                                                      (CA ONLY)
    TYPE OF PLAN                                             PPO                      PPO                     EPO                       HMO
    Payroll Contribution                                   Lowest                   Highest                Moderate                  Moderate
                                                       IN-NETWORK               IN-NETWORK             NETWORK ONLY              NETWORK ONLY

                                                       $1,350 single1           $600 individual         $150 individual
    Annual deductible                                                                                                                   None
                                                       $2,700 family1            $1,200 family           $300 family

    Annual out-of-pocket (includes                     $3,750 single          $4,000 individual        $3,000 individual         $1,500 individual
    deductibles, copays & prescriptions)               $7,500 family3          $8,000 family            $6,000 family             $3,000 family

    Preventive care                                         100%                     100%                     100%                     100%

    Office Visits (primary care)                            80%2                  $25 copay                $20 copay                $20 copay

    Office Visits (specialists)                             80%2                  $40 copay                $35 copay                $35 copay

    Teladoc                                                  $40                  $25 copay                $20 copay                    N/A

    Coverage for most services                              80%2                      80%2                    90%2                  $20 copay

    Emergency Care                                          80%2                      80%2                    90%2                   $75 copay

    Inpatient Hospital                                      80%2                      80%2                    90%2             $250 per admission

    Outpatient Testing                                      80%2                      80%2                    90%2             $50 per procedure

    Diagnostic X-ray and laboratory                         80%2                      80%2                    90%2                  No Charge

    Inpatient mental health & substance use                 80%2                      80%2                    90%2             $250 per admission

    Outpatient facility                                                         $25 office visit        $20 office visit
                                                            80%2                                                                    $20 copay
    Per admission copayment/coinsurance                                            copay                   copay

                                                       $2,700 single1          $1,200 individual
    Annual Deductible                                                                                    No Coverage               No Coverage
                                                       $5,400 family1           $2,400 family
    Coinsurance after deductible
                                                             60%                      60%                No Coverage               No Coverage

    Annual out-of-pocket limit                       $7,500 individual        $8,000 individual
    Note: Any amount over maximum allowable                                                              No Coverage               No Coverage
    charge is not included.                           $15,000 family           $16,000 family

    Preventive Care                                          80%                      80%                No Coverage               No Coverage

   onsumer Choice Plan annual deductible includes all health care expenses and prescription drug costs, except for certain preventive medications.
     fter deductible
   Family out-of-pocket has an embedded per member out-of-pocket maximum of $6,850 for in-network services.

Note: Out-of-pocket and deductible cross apply in- and out-of-network.
2018 OPEN ENROLLMENT GUIDE - OCTOBER 16-29, 2017 - Kenko at SPE
Express Scripts (for Aetna Plans)                                      Kaiser
                          SONY CONSUMER CHOICE /
                                                                                     KAISER HMO (CALIFORNIA ONLY)
                             SONY PPO/SONY EPO
                          RETAIL            MAIL
                                                                          RETAIL (30-DAY SUPPLY)          MAIL (100-DAY SUPPLY)
                     (30-DAY SUPPLY)   (90-DAY SUPPLY)
     Generic                $10                     $20
                                                                                     $10                            $20
                          30%                     30%
                     $25 min, $75 max       $55 min, $125 max
                          40%                     40%                                $20                            $40
                    $40 min, $100 max       $70 min, $150 max

All Sony medical plans cover the full cost of certain contraceptives, tobacco cessation medications and other preventive drugs as
required by the Affordable Care Act (ACA).

Express Scripts                                                        Sony Consumer Choice Plan and Prescriptions
If you purchase a brand-name (preferred or non-preferred)              For most prescriptions, you’ll pay 100% of the cost of a
drug when a generic is available, you’ll pay the coinsurance           prescription until you reach the plan’s deductible. However,
plus the difference in cost between the brand-name and                 these certain medications that can help you avoid or curtail
generic drug, unless your prescription specifically prohibits          certain illnesses and conditions may also be covered at 100%.1
generic substitution.                                                  This list includes medications used for prevention or for
                                                                       treatment. Conditions that may be covered include:
Mail Order                                                               • Asthma		              • Cholesterol
If you take a maintenance medication, you may fill it three times        • Diabetes		            • High blood pressure
at a retail pharmacy. On the fourth refill, you must use the mail
order service or pay the full cost of your prescription.                 • Heart disease         • Side effects of cancer treatment
                                                                       For a complete list of covered preventive prescriptions
                                                                       covered at 100%, go to www.KENKOatSPE.com.

                                                       HELPFUL PRESCRIPTION TERMS
                                                       BRAND NAME: A drug marketed under a trademark-protected name like
                                                       Ambien or Prozac.
                                                       COMPOUND MEDICATION: Medications that are combined, mixed or
                                                       altered by a licensed pharmacist. The FDA does not verify the quality,
                                                       safety or effectiveness of compound medications, they are not covered
                                                       under the plan.
                                                       GENERIC: A generic drug is equivalent to the original brand-name drug in
                                                       dosage, safety, strength, quality, performance and intended use. By law,
                                                       the amount of active ingredient in a generic drug must be identical to the
                                                       brand-name product.
                                                       NON-PREFERRED DRUGS: Non-preferred medications under your plan
                                                       for which you’ll pay more.
                                                       PREFERRED DRUGS: Preferred generic and brand-name medications
                                                       under your plan for which you’ll pay a reduced rate.

Below is a breakdown of your cost per month for each benefit. How much you pay is based on your elections and your base salary
when you’re hired (and each September 1st thereafter). SPE shares the cost of most of your benefits with you as part of our
commitment to offering you the protection you need. Your payroll deductions are generally taken out of your pay on a pre-tax basis,
which means you pay less in taxes. Consult your tax advisor for details. The chart below shows your monthly contribution rates.

                                 MEDICAL PLAN EMPLOYEE CONTRIBUTION RATES
                                            (includes Prescription Drug Coverage)

                                                                   $60,000 to             $200,000 to            $300,000 and
BASE SALARY                             Under $60,000
                                                                    $199,999               $299,999                 Above

                                                     EMPLOYEE MONTHLY COST

                                                 SONY CONSUMER CHOICE PPO

Employee only                                 $64                      $64                     $64                    $64

Employee + spouse/partner                     $157                    $184                    $229                    $303

Employee + child(ren)                         $125                    $148                    $181                    $235

Employee + family                             $211                    $261                    $325                    $425

                                                            SONY PPO

Employee only                                 $231                    $274                    $318                    $374

Employee + spouse/partner                     $463                    $550                    $647                    $782

Employee + child(ren)                         $370                    $426                    $509                    $580

Employee + family                             $637                    $758                    $893                   $1,073

                                                            SONY EPO

Employee only                                 $126                    $142                    $167                    $182

Employee + spouse/partner                     $255                    $294                    $345                    $390

Employee + child(ren)                         $205                    $231                    $276                    $315

Employee + family                             $372                    $420                    $505                    $520

                                                      KAISER HMO (CA ONLY)

Employee only                                 $98                     $106                    $133                    $146

Employee + spouse/partner                     $219                    $255                    $295                    $327

Employee + child(ren)                         $187                    $212                    $252                    $319

Employee + family                             $296                    $335                    $401                    $414


You have until December 31, 2018 to use your
FSA funds. Make sure you plan your contributions
carefully because unused amounts are forfeited.

Flexible Spending Accounts (FSAs) increase your spendable income through pre-tax contributions. We offer three types of FSAs.
You determine how much you need to contribute to each account. Your contributions are deducted from your paycheck on a
before-tax (subject to IRS) basis. FSAs and the HSA are administered by Payflex.

Health Care FSA (general purpose)                                               Dependent Care FSA
Annual Contribution: Up to $2,600 each year, before taxes                       Annual Contribution: Up to $5,0001 each year, before taxes
You may pay for items such as medical and dental plan                           Similar to the Health Care FSA, you may increase your
deductibles, copayments, coinsurance, contact lenses,                           spendable income by enrolling in the Dependent Care FSA for
orthodontics, medical equipment and vision care expenses.                       qualified dependent day care or elder care expenses.

Limited Purpose Health Care FSA                                                 Qualified Caregivers Include:
                                                                                   • Licensed child care centers
Annual Contribution: Up to $2,600 each year, before taxes
                                                                                   • Nursery & preschools
Under IRS guidance, individuals cannot contribute to an HSA
and a general purpose Health Care FSA, so SPE offers a                             • In-home care (au pair/nanny) and babysitting
Limted Purpose Health Care FSA to participants in the Sony                         • Elder/senior day care
Consumer Choice Plan. This will allow HSA participants to
be reimbursed for dental and vision expenses, as well as any                    Qualified Dependents Include:
qualified medical expenses once the Sony Consumer Choice                           • Your child who is age 12 or younger
Plan’s deductible is met.
                                                                                   • A spouse or dependent of any age who lives with you, relies
For a complete list of qualified Health Care FSA                                     on you and is physically or mentally unable to care for him
expenses, view IRS Publication 502:                                                  or herself, listed as a dependent on your income taxes.
                                                                                Consult your tax advisor on whether you should enroll in the
                                                                                Dependent Care FSA or take advantage of the depdendent
                                                                                care tax credit.

    Highly compensated employees (those earning more than $115,000 in 2016) will be limited to $2,800 annual contribution.

The Vision Plan is provided by VSP. Under this plan, you and
your family are covered for eye exams, lenses and frames
once per calendar year. If you use an in-network provider,
your plan covers your eye exam, and glasses (frame and
lens) or contact lens allowance. If you use an out-of-network
provider, your plan may or may not cover the full cost of your
exam, and your glasses or contact lens allowance will vary
by selection. When you use an in-network provider, you may
also be eligible for discounts on additional products or services
purchased during the same visit or even later in the same year.
You’ll find a list of certified network optometrists and
ophthalmologists at www.vsp.com.

2018 Vision Plan Monthly Contributions
        COVERAGE LEVEL                        STANDARD PLAN

           Employee only                              $5.25

   Employee + Spouse/Partner                          $8.50

      Employee + Child(ren)                           $8.50

        Employee + Family                              $14

Vision Plan at a Glance (In-Network Benefits1)
 BENEFIT                         DESCRIPTION                                                COPAY                FREQUENCY
 WellVision exam                 • Focuses on your eyes and overall wellness                No copay

 Prescription Glasses                                                                       $10 Copay            See Frames & Lenses
 Frames                          • $150 allowance for a wide selection of frames
                                 • $170 allowance for featured frame brands                No Copay
                                                                                                                 Every Calendar Year
                                 • 20% savings on the amount over your allowance           Combined with exam
                                 • Or, $80 allowance at Costco® Optical
 Lenses                          • Single vision, lined bifocal and lined trifocal lenses   No Copay
                                                                                                                 Every Calendar Year
                                 • Polycarbonate lenses for dependent children              Combined with exam
 Contacts                        •$ 150 allowance for contacts and contact lens exam
                                   (fitting and evaluation)                                                      Every Calendar Year
 (instead of glasses)
                                 • 15% off contact lens exam (fitting and evaluation)
 Extra savings                   Glasses and sunglasses
                                 • 30% savings on additional glasses and sunglasses, including lens enhancements, from the same VSP
                                    provider on the same WellVision exam. Or, get 20% from any VSP provider within 12 months of your
                                    last WellVision exam.
                                 Laser vision correction
                                 • Average 15% off the regular price or 5% off the promotional price; discounts only available from
                                    contracted facilities.

1 Out-of-network benefits are available; contact VSP for details.
Like your medical plan, dental coverage also includes
preventive care benefits. Take advantage of these benefits and
schedule regular checkups with your dentist.
You are able to select from two dental options through Delta
Dental: the Sony High Plan and the Sony Standard Plan.

2018 Dental Monthly Contributions
                                      SONY HIGH
          PLAN FEATURE                                   STANDARD

                                      In-Network         In-Network

           Employee only                  $23                 $9

    Employee + Spouse/Partner             $50                $19

                                                                                     See if your dentist is in the Delta PPO or Premier
       Employee + child(ren)              $54                $21
                                                                                     network. You can check on www.deltadentalins.
         Employee + family                $83                $32                     com/sony, or call 1-800-471-7059.

Sony Dental Plans at a Glance
    PLAN FEATURE                                                   SONY HIGH PLAN                          SONY STANDARD PLAN

                                                                       In-Network                                In-Network

    Annual deductible                                    $50 per person, $150 per family          $25 per person, $50 per family

    Annual maximum benefit1                             $3,000 (includes orthodontia)             $1,500

    Preventive and diagnostic services1
                                                        100%2 (Two cleanings per year)            100%2 (Two cleanings per year)
    (Exams, routine cleanings3, X-rays, etc.)

    Basic restorative services
                                                       90% after deductible                       80% after deductible
    (fillings, extractions, root canals, periodontal3)
    Major restorative services
                                                        85% after deductible                      60% after deductible
    (crowns, bridges, dentures, implants)
                                                        50% after deductible                      Not covered
    (for adults and dependent children)
                                                        Preventive 100%, Basic 80%,
    Out-of-Network                                                                                Preventive 100%, Basic 80%, Major 50%
                                                        Major 50%, Ortho 50%

  Preventive and diagnostic services are applied toward the annual maximum.
  You do not need to meet the deductible before preventive and diagnostic services are covered.
  Two periodontal cleanings are covered in addition to two covered routine cleanings.

Financial health is just as important as physical health. We all    • You may purchase Optional Life and AD&D coverage for
have concerns about how loved ones would get by if something          yourself or family up to eight times your annual base
happened to us. SPE offers you the opportunity to replace             salary, (rounded to the next $1,000) or up to $1,500,000,
concern with solid financial planning to protect your loved ones.     whichever is less.
                                                                    • You may purchase Optional Life for your legally married
Life / Accidental Death & Dismemberment                               spouse or domestic partner in increments $10,000,
                                                                      $25,000, $50,000, $100,000 or $250,000. You may
(AD&D) Insurance                                                      also purchase coverage of $10,000 or $20,000 for your
Eligible employees are provided with Basic Life Insurance             dependent children.
and Basic AD&D equal to 1x annual base pay at no cost to you.       • Optional AD & D coverage may be purchased for your family
Coverage is provided by Cigna. Basic life insurance paid by           as follows:
SPE in excess of $50,000 in coverage is taxable to you as                     - Legally married spouse/partner - 60% of your
imputed income.                                                                 insurance amount.
                                                                              - Children - 25% of your insurance amount up to
  OPTIONAL LIFE INSURANCE EMPLOYEE CONTRIBUTION                                 $50,000 per child.
                    RATES (CIGNA)
                 Additional Employee       Additional spouse/       Long Term Disability (LTD)
                   Life Insurance             partner Life
                                                                    This coverage pays benefits in the event of an illness or injury
      Age           Monthly Cost           Insurance Monthly
                                                                    that prevents you from working for an extended period of
                   (Per $1,000 of           Cost (Per $1,000
                                                                    time. Through Liberty Mutual, you are automatically enrolled
                      Coverage)               of Coverage)
                                                                    for basic coverage that pays a benefit of 60% of your monthly
   Under 25             $0.034                   $0.050             base pay, up to a maximum of $20,000 (after 180 days of
     25-29               $0.041                  $0.060             disability) at no additional cost to you.
     30-34              $0.054                   $0.080               • You may purchase optional coverage, which increases
     35-39              $0.062                   $0.090                  your coverage amount to 70% of your monthly base pay, to
                                                                         a maximum of $20,000.
    40-44               $0.068                   $0.100
     45-49               $0.102                  $0.150
                                                                    Important tax information:
                                                                    Your premium for basic and optional LTD will be taxed. However, the
     50-54               $0.157                  $0.230             LTD benefit, should you ever need it, will not be taxable.
     55-59              $0.294                   $0.430
     60-64              $0.449                   $0.660                  OPTIONAL LTD EMPLOYEE CONTRIBUTION RATES
     65-69              $0.864                   $1.270                               (LIBERTY MUTUAL)
 70 and older            $1.400                  $2.060                                    Additional Employee LTD Monthly Cost
   Child Life        $10,000 coverage: $0.200 per month                                           (Per $100 of Coverage)
                     $20,000 coverage: $0.400 per month                  Under 25                            $0.029

                   OPTIONAL AD&D RATES                                     25-29                             $0.033

                             The monthly cost is $0.011 per                30-34                             $0.037
    Employee only
                                  $1,000 of coverage.                      35-39                             $0.063
                            The monthly cost is $0.023 per                 40-44                             $0.083
 Employee and family
                                 $1,000 of coverage.
                                                                           45-49                             $0.137

Leaves of Absence                                                          50-54                             $0.212

SPE provides a variety of leaves of absence that allow                     55-59                             $0.253
employees to take time off. Some of these leaves are required              60-64                             $0.253
by Federal and State Law. Other leaves, such as a Personal
Leave, are offered at the discretion of SPE. For specific                  65-69                             $0.270
information applicable to a particular leave, please refer to the       70 and older                         $0.362
Leave of Absence policies in the Employee Handbook. Contact
SPE Leave Administration at 1-800-530-6506 to report a leave.
Employee Assistance Program (EAP)
To help manage the competing time demands and stress of
today’s fast-paced world, SPE has partnered with ComPsych®
Corporation to bring all employees and their dependents
GuidanceResources®. It is your one stop for expert information
on the issues that matter most to you.
  • Eight visits per year for counseling, addiction, stress, etc.
  • Timely articles, HelpSheetsSM, tutorials, streaming videos
     and self-assessments
  • “Ask the Expert” personal responses to your questions
  • Child care, elder care, attorney and financial
     planner searches
Just call 1-855-327-7669 (1-855-EAP-SONY) or click
www.guidanceresources.com, web ID: EAPSONY to access
your services, 24 hours a day, seven days a week. The
information shared with the Guidance Resources counselor
(and outside resources) is completely confidential.

Best Doctors
Best Doctors is available to all eligible employees and their
dependents enrolled in SPE’s benefit plans. It is 100%
confidential and provided at no cost to you. Best Doctors offers
three important services to help you and your family members
make medical decisions with confidence.
  • In-Depth Medical Review – It’s like getting a second
    opinion, only much better. Through special patented
    process called InterConsultation™ the Best Doctors                     As part of SPE’s ongoing partnership with you in
    expert reviews everything in great detail and creates a                managing your health and well-being, SPE offers
    comprehensive report, either confirming what you’ve been               tools and resources that help you understand your
    told or recommending a change.
                                                                           options, evaluate the financial impact and give the
  • Ask the Expert – Discuss your concerns and get answers
                                                                           support to make smart health care decisions for
    to basic questions about a diagnosis, treatment options or
    a health condition. They will also help you determine what             you and your family.
    questions to ask.
  • Find a Doctor – If you need to find a specialist in your local
    area who is approved by your health plan, Best Doctors
    can help. They have a database of more than 53,000
                                                                     Back-Up Care Advantage
    medical experts in over 450 specialties and subspecialties        • The Bright Horizons® Back-Up Care Advantage (BUCA)
    worldwide. Go to https://members.bestdoctors.com or                 Program provides back-up care – where and when you
    call 1-866-904-0910.                                                need it. It is designed for any type of emergency situation
                                                                        when your regular child or adult/elder care arrangements
                                                                        break down. For example, you can rely on back-up
ON SITE NURSE ADVOCATE                                                  care when:
Need a helping hand? Reach out to MaeDel Martin.                      • A regular caregiver is unavailable or in need of respite.
Think of her as your personal benefits advisor –                      • A child is mildly ill and cannot attend school or child care.
ready with the answers or to connect you to the                       • Schools/child care programs are closed for vacation, in-
appropriate resources to guide you. She is also a                       service days, or holidays.
professional nurse so she is adept at maneuvering                     • An adult/elder relative is unexpectedly ill or recovering
through the healthcare maze. Contact MaeDel directly                    from medical treatment.
at 310-244-6636, or email MartinM7@aetna.com.                        For more information on SPE’s Back-Up Care program,
                                                                     go to the Discover section at www.KENKOatSPE.com
Business Travel Benefits                                          Financial Wellness
Business Travel Accident Plan (Cigna)                             Sony USA 401(K) Plan
Covers you and your eligible dependents while you are
                                                                  Everyone strives for the chance to retire comfortably. The
traveling on Company business at least 100 miles away
                                                                  Sony USA 401(k) Plan is the ideal way to achieve retirement
from your home.
                                                                  dreams by investing money now so you can enjoy the benefits
Cigna Medical Benefits Abroad (MBA)                               later.
Pays a benefit of up to $200,000 (per calendar year) if           Simply log on to www.empower-retirement.com/sony
you have an accident or illness while you are traveling on
                                                                  Our Plan offers you:
Company business outside your home country or country
of residence.                                                       • Pre-tax and/or after-tax savings

International SOS                                                   • Immediate match and immediate vesting
Provides medical assistance, travel assistance, and security        • Company match 100% for the first 3% you contribute, then
services to those traveling internationally on Company                50% for the next 3%
business. For more information on your business travel
                                                                  To manage your account, visit www.empower-retirement.
benefits, contact International SOS at 800-523-6523 (US).
                                                                  com/sony and enter your Username and Password or call
Commuter Benefits                                                 the Sony Savings Plans Service Center at 1-877-SONY-SAVE
                                                                  (1-877- 766-9728) from 8 a.m. to 9 p.m. Eastern time, Monday
Commuting to work can take its toll on your wallet. The           through Friday, for assistance.
Commuter Benefits products allow you to pay for certain
work-related transportation expenses on a pre-tax basis.          Employee Stock Purchase Plan (ESPP)
                                                                  You can own a piece of Sony. Through the Employee Stock
Two Ways to Save                                                  Purchase Plan (ESPP), you can be a shareholder in Sony
Parking Benefit: Use pretax dollars to pay for work-related       with the convenience of payroll deductions to purchase Sony
parking expense. Eligible expenses include:                       American Depositary Receipt (ADR) common stock. Sony ADR
  • the cost of parking at or near your worksite.                 stock is traded on the New York Stock Exchange (ticker symbol
                                                                  SNE) in U.S. dollars. Eligible employees can purchase shares
  • the cost of parking at a location from which you commute
                                                                  through after-tax payroll deductions. For more information call
    to work, either by mass transit or a qualifying commercial
                                                                  the plan administrator, Computershare at 1-800-621-3777 or
    or non-commercial vehicle or carpool.
                                                                  go to www.Computershare.com. You can find the enrollment
Transit Benefit: Purchase passes or vouchers on a pre-tax         forms on mySPE.
basis to cover the cost of mass transit to and from work.
Eligible expenses include:
  • Subway, train, bus.
  • Vanpool costs are also covered.
The IRS sets the monthly reimbursement rates. These are
adjusted periodically for inflation. Visit www.irs.gov for more
information or go to www.payflexdirect.com.

Teladoc                                                               Aetna Navigator®
Teladoc is a convenient and affordable alternative for non-           When you enroll in an Aetna medical plan, register for the
emergency medical care. Whether you’re at home, at work or            secure Aetna Navigator member website. You can:
out of town (in the U.S. only), you can request a consultation          • Review benefits information
with a board-certified, telemedicine-trained doctor any time.
                                                                        • View Explanation of Benefits statements
How does it work?                                                       • View Personal Health Record (PHR)
After you set up a Teladoc account, get in touch with Teladoc
at www.teladoc.com/Aetna or call 1-855-Teladoc (1-855-                  • Download and print standard Aetna forms
835-2362) and request a consult from a physician. A doctor              • Order an ID card or print a temporary card
will call you back in approximately 15 minutes. You will then:
                                                                        • See if your doctor is in the Aetna network on
  • Receive a diagnosis and short-term prescriptions* (if                 SPE’s Custom DocFind®
    necessary) during your appointment for conditions
                                                                      Visit www.aetna.com/dse/custom/sony. You can search by
    including: allergies, sinus problems, bronchitis, cold and
                                                                       zip code, doctor name, specialty, hospital affiliation or gender.
    flu symptoms, pink eye, urinary tract and respiratory
                                                                       When prompted for your plan type, select your plan.
    infections, poison ivy and more.
  • Teladoc and Aetna will confirm your eligibility in real time
    along with determining how much you will be responsible
                                                                      Aetna In Touch Care
    to pay for the consultation. If you are enrolled in the Sony      The Aetna In Touch CareSM program puts Aetna nurses on your
    Consumer Choice Plan, this service will costs $40 per             case. When your records show that you have certain health
    visit (until the deductible is reached). If you are enrolled in   risks, an Aetna nurse or consultant will call to offer support.
    the PPO or EPO, it will be charged as a primary care office       You can choose to work one-on-one with your assigned nurse,
    visit copay.                                                      or use the self-directed programs. You can even try both for a
*Charges for prescriptions are subject to pharmacy benefits.          well-rounded level of help. And, if you chose online programs,
                                                                      you can still connect with your assigned nurse when you have
Consulting with Teladoc                                               a question or issue. Working with an In Touch Care Nurse is
You can speak with a Teladoc doctor via a phone consult, video        voluntary. However, the nurse is properly trained to assist
consult within the secure member portal, or video consult             you in navigating through the health care system to help you
within the Teladoc mobile app.                                        optimize your health benefits.
Teladoc costs far less than urgent care or emergency room
visits for non-emergency medical care. It also qualifies as an        Talk to a Registered Nurse – Anytime, 24/7
expense for HSA and FSA accounts. Teladoc does not replace            Sometimes your question can’t wait until a doctor visit. Or even
your primary care physician.                                          the next morning! As an Aetna member, you’ll have round-the-
                                                                      clock access to a registered nurse with the Informed Health®
                                                                      Line at 1-800-556-1555.

A WORD ABOUT PRIVACY                                                  Know Before You Go!
Before selecting Aetna, we made sure that they                        The Cost of Medical Procedure by Facility Tool helps you
comply with all applicable data privacy laws                          review and compare the cost of medical procedures at
as well as Sony’s data privacy and security                           facilities in select locations around the country. This tool gives
requirements. Sony will not have access to                            you an easy way to find the cost for over 30 common medical
your medical information.                                             procedures performed at specific hospitals and other health
                                                                      care facilities. Rates can vary by provider based on their
                                                                      contracted rate with Aetna.

BENEFIT                              PROVIDER              PHONE NUMBER          WEBSITE

SPE Benefits Center                  SPE                   833-9-SONY-01         https://benefitscenter.spe.sony.com

SPE Benefits Connection
                                     SPE                   1-866-941-4773        https://benefits.spe.sony.com
2017 Benefits Only

                                     Aetna                 1-888-385-1053        www.aetna.com
• Sony Consumer Choice
• Sony PPO
• Sony EPO                           Kaiser Permanente     1-800-464-4000        www.kp.org
• Kaiser HMO

Teladoc                              Aetna                 1-855-835-2362
                                                                                 Mobile: www.teladoc.com/mobile

                                     Express Scripts       1-800-716-2773        www.express-scripts.com/sonypics
Prescription Drugs
                                     Kaiser (Sony Plans)   1-800-464-4000        www.kp.org

                                                                                 Emma: https://benefits.spe.sony.com

Medical Plan Compare Tools           SPE                   N/A                   Aetna Plan Compare Tool:

• Sony Standard Plan                 Delta Dental          1-800-471-7059        www.deltadentalins.com/sony
• Sony High Plan

Flexible Spending Accounts (FSAs)                                                www.aetna.com
                                     Aetna/Payflex         1-888-678-8242
Health Savings Account (HSA)                                                     https://www.payflex.com

Vision Coverage                      Vision Service Plan   1-800-877-7195        www.vsp.com

Financial Wellness:                  Empower
                                                           1-877-766-9728        www.empower-retirement.com/sony
 • Sony USA 401(k) Plan              Retirement
 • Employee Stock Purchase Plan
    (ESPP)                           ComputerShare         1-800-621-3777        www.computershare.com

Employee Assistance Program          ComPsych Guidance                           www.guidanceresources.com
(EAP)                                Resources                                   (Web ID: EAPSONY)

KENKŌ Health & Wellness              SPE                   N/A                   www.KENKOatSPE.com

Back-Up Care Advantage Benefits      Bright Horizons       1-877-242-2937        (first time users: User name: SPE/
                                                                                 password: backup1 )

Best Doctors                         Best Doctors          1-866-904-0910        www.bestdoctors.com/members

                                                           1-800-523-6586 (US)   www.internationalsos.com
Business Travel Benefits Information International SOS
                                                           1-215-942-8226        (Member Number 11BCPA000212)

Leaves of Absence/Disability         Liberty Mutual        1-800-530-6506
                                                                                 (Company code: sony pictures)

Summary of Benefits and Coverage
The health benefits available to you represent a significant component of your SPE Total Rewards package, in addition to your
compensation, and provides important protection for you and your family in the case of illness or injury. Your SPE plan offers a
series of health coverage options. Choosing a health coverage option is an important decision.

To help you make an informed choice, your plan makes available a Summary of Benefits and Coverage (SBC) to help you
compare your options. The SBC is available on SPE Benefits Center at https://BenefitsCenter.spe.sony.com under the Forms
and Documents section and at www.KENKOatSPE.com. You can also request a paper copy, free of charge, by contacting a SPE
Benefits Center Representative at 1-888-9-SONY-01. If you have dependents in your household who are enrolled in the SPE plan,
please share this information with them. Be aware that any SBC provided to you will be deemed to have been provided to your
dependents unless the plan is advised of a different address.

                                                                    under Medicare’s prescription drug coverage. This information
  MEDICARE PART D 		                                                can help you decide whether or not you want to join a
                                                                    Medicare prescription drug plan. If you are considering joining,
  PRESCRIPTION DRUG COVERAGE                                        you should compare your current coverage, including which
                                                                    drugs are covered at what cost, with the coverage and costs
  Important Notice for Medicare-Eligible                            of the plans offering Medicare prescription drug coverage in
                                                                    your area. Information about where you can get help to make
  Employees and Covered Dependents                                  decisions about your prescription drug coverage is at the end
                                                                    of this notice.
Sony Pictures Entertainment (SPE) is required to provide the        There are two important facts you need to know about your
notice that follows to all Medicare-eligible plan participants.     current coverage and Medicare’s prescription drug coverage:
The purpose of the notice is to provide you with a statement           1. Medicare prescription drug coverage became available in
of assurance that while you are enrolled in Sony EPO, Sony                2006 to everyone with Medicare.
PPO, Sony Consumer Choice or Kaiser HMO, the prescription
drug coverage you have under any of these SPE medical                    You can get this coverage if you join a Medicare
plans is “Creditable Coverage.” This means that, on average,             prescription drug plan or join a Medicare Advantage
your SPE coverage is at least as good as the standard                    plan (like an HMO or PPO) that offers prescription drug
Medicare prescription drug coverage. (For more information               coverage. All Medicare drug plans provide at least a
on Creditable Coverage, you can refer to the “Creditable                 standard level of coverage set by Medicare. Some
Coverage” section of the notice below.)                                  plans may also offer more coverage for a higher
                                                                         monthly premium.
Medicare prescription drug coverage is optional, and you
may find that you have all the coverage you need with SPE.             2. SPE determined that the prescription drug coverage
If you decide in a subsequent year that you want to enroll in            offered by SPE is, on average for all plan participants,
a Medicare prescription drug plan, this notice will serve as             expected to pay out as much as standard Medicare
confirmation to Medicare that you had Creditable Coverage in             prescription drug coverage pays and is considered
the interim. As a result, you will not have to pay a late penalty        Creditable Coverage.
on your Medicare prescription drug plan monthly premium if          Because your existing coverage is, on average, at least as
you decide to enroll during a subsequent annual enrollment          good as standard Medicare prescription drug coverage, you
window. Note, however, that if you opt out (choose the “No          can keep this coverage and not pay a higher premium (a
Coverage” option) with SPE, you do not have Creditable              penalty) if you later decide to join a Medicare prescription
Coverage and may be subject to a future premium penalty if          drug plan.
you subsequently enroll in a Medicare prescription drug plan.
The notice that follows explains the effect of having Creditable
and non-Creditable Coverage.
                                                                    When Can You Join a Medicare Drug Plan?
                                                                    You can join a Medicare prescription drug plan when you first
Important Notice from SPE About Your                                become eligible for Medicare and each year from October
                                                                    15 through December 7. However, if you lose creditable
Prescription Drug Coverage and Medicare                             prescription drug coverage through no fault of your own, you
                                                                    will be eligible for a two-month Special Enrollment Period
Please read this notice carefully and keep it where you
                                                                    (SEP) to join a Medicare drug plan.
can find it. This notice has information about your current
prescription drug coverage with SPE and about your options

ADMINISTRATIVE INFORMATION                                                              CONT’D
What Happens to Your Current Coverage If                        year from Medicare. You may also be contacted directly by
                                                                Medicare prescription drug plans.
You Decide to Join a Medicare Drug Plan?                        For more information about Medicare prescription drug coverage:
If you decide to join a Medicare prescription drug plan, your     • Visit www.medicare.gov
current SPE coverage is not affected.
                                                                  • Call your State Health Insurance Assistance Program (see
If you decide to join a Medicare prescription drug plan and         the inside back cover of your copy of the “Medicare & You”
drop your SPE prescription drug and medical coverage,               handbook for the telephone number) for personalized help
be aware that you and your dependents may not be able
to get this coverage back. Please remember that your SPE          • Call 1-800-MEDICARE (1-800-633-4227).
prescription drug coverage is bundled with your medical plan    TTY users should call 1-877-486-2048
option. Therefore, there is no separate employee contribution
for prescription drug coverage. If you want to keep your SPE    If you have limited income and resources, extra help paying
coverage and you want to avoid duplicate premiums, you          for Medicare prescription drug coverage is available. For
should NOT enroll in Medicare prescription drug coverage        information about this extra help, visit Social Security on
for 2017.                                                       the Web at www.socialsecurity.gov, or call 1-800-772-1213
                                                                (TTY 1-800-325-0778).
Please contact us for more information about what happens
to your coverage if you enroll in a Medicare prescription
drug plan.                                                        Remember: Keep this Creditable Coverage notice.
                                                                  If you decide to join one of the Medicare prescription
When Will You Pay a Higher Premium                                drug plans, you may be required to provide a copy of this
(Penalty) To Join a Medicare Drug Plan?                           notice when you join to show whether or not you have
                                                                  maintained Creditable Coverage and whether or not you
You should know that if you drop or lose your coverage with       are required to pay a higher premium (a penalty).
SPE and don’t join a Medicare prescription drug plan within
63 continuous days after your current coverage ends, you
may pay a higher premium (a penalty) to join a Medicare           Date: 		           October 1, 2017
prescription drug plan later. If you go 63 continuous days or     Name of Sender:    Sony Pictures Entertainment
longer without creditable prescription drug coverage, your
                                                                  Contact Office:    People & Organization - Total Rewards
monthly premium may go up by at least 1% of the Medicare
base beneficiary premium per month for every month that you       Address:           10202 West Washington Boulevard,
did not have that coverage. For example, if you go 19 months      		                 Culver City, CA 90232
without Creditable Coverage, your premium may consistently        Phone Number:      1-310-244-4000
be at least 19% higher than the base beneficiary premium. You
may have to pay this higher premium (a penalty) as long as
you have Medicare prescription drug coverage. In addition,      Notification of Your Rights to Plan
you may have to wait until the following October to join.
                                                                Modification, Termination, and Interpretation
For More Information About This Notice or                       SPE reserves the right in its sole and absolute discretion to
                                                                amend, modify, or terminate any or all employee benefit plans at
Your Current Prescription Drug Coverage                         any time and for any reason. This means that SPE may decide to
If you have questions, call a SPE Benefits Center               change the design of the prescription drug benefit so that it no
representative toll-free at 1-833-9-SONY-01.                    longer constitutes Creditable Coverage. If this happens, we will
                                                                notify you of the change and of your options at that time.
NOTE: You’ll get this notice each year. You will also get it
before the next period you can join a Medicare prescription     In addition, SPE reserves the sole and absolute discretionary
drug plan, and if this coverage through SPE changes. You also   right to interpret and apply the terms of the medical plan and
may request a copy of this notice at any time from an SPE       to render final and binding decisions about the plan and its
Benefits Center representative toll-free at 1-833-9-SONY-01.    coverage. In the event of a conflict between this notice and the
                                                                terms of the plan, the terms of the plan will govern in all cases.

For More Information About Your Options                         Notification of Your Rights for Benefits
Under Medicare Prescription Drug Coverage                       Continuation of Coverage
More detailed information about Medicare plans that offer
prescription drug coverage is in the “Medicare & You”           On April 7, 1986, a federal law was enacted (Public Law 99-
handbook. You’ll get a copy of the handbook in the mail every   272, Title X – The Consolidated Omnibus Budget Reconciliation
ADMINISTRATIVE INFORMATION                                                                  CONT’D
Act of 1985 [“COBRA”]) – requiring that most employers
sponsoring group health plans offer employees and their
                                                                     HIPAA Privacy Statement
families the opportunity for a temporary extension of health         Sony Pictures maintains the privacy and security of your
coverage (called “Continuation Coverage”) at group rates             personal health information in compliance with HIPAA. All
in certain instances where coverage under the plan would             policies regarding the HIPAA Privacy and Security regulations
otherwise end (called “qualifying events”). For additional           may be found in Sony Pictures’ HIPAA Privacy Notice which
information about your rights and obligations under the Plan         describes our legal duties and privacy practices relating to how
and under federal law, you should review the Plan’s Summary          medical information about you may be used and/or distributed.
Plan Description or contact the plan administrator.                  You can get a copy of the Privacy Notice, for no charge, on
                                                                     SPE Benefits Center or on www.KENKOatSPE.com. You can
Special Enrollment Periods                                           request a paper copy at no charge by calling (310) 244-4748.

If you decline enrollment for yourself or your dependents
(including your spouse) because of other health insurance or
                                                                     Patient Protection Notice
group health plan coverage, you may be able to enroll yourself       The Kaiser Permanente HMO generally requires the
and your dependents in this Plan if you or your dependents           designation of a primary care provider. You have the right to
lose eligibility for that other coverage (or if the employer stops   designate any primary care provider who participates in our
contributing toward your or your dependents’ other coverage).        network and who is available to accept you or your family
                                                                     members. Until you make this designation, Kaiser Permanente
However, you must request enrollment within 31 days after
                                                                     will designate one for you. For information on how to select
your or your dependents’ other coverage ends (or after the
                                                                     a primary care provider, and for a list of the participating
employer stops contributing toward the other coverage).
                                                                     primary care providers, contact Kaiser at 1-800-464-4000.
In addition, if you have a new dependent as a result of
                                                                     For children, you may designate a pediatrician as the primary
marriage, birth, adoption, or placement for adoption, you may
                                                                     care provider. You do not need prior authorization from Kaiser
be able to enroll yourself and your dependents. However, you
                                                                     or from any other person (including a primary care provider)
must request enrollment within 31 days after the marriage,
                                                                     in order to obtain access to obstetrical or gynecological
birth, adoption, or placement for adoption.
                                                                     care from a health care professional in our network who
If you decline enrollment for yourself or for an eligible            specializes in obstetrics or gynecology. The health care
dependent (including your spouse) while Medicaid coverage or         professional, however, may be required to comply with
coverage under a state children’s health insurance program           certain procedures, including obtaining prior authorization
is in effect, you may be able to enroll yourself and your            for certain services, following a pre-approved treatment plan,
dependents in this plan if you or your dependents lose eligibility   or procedures for making referrals. For a list of participating
for that other coverage. However, you must request enrollment        health care professionals who specialize in obstetrics or
within 60 days after you or your dependents’ coverage ends           gynecology, contact Kaiser at 1-800-464-4000.
under Medicaid or a state health insurance program.
If you or your dependents (including your spouse) become             Women’s Health and Cancer Rights Act of
eligible for a state premium assistance subsidy from Medicaid
or through a state children’s health insurance program with
                                                                     1998 (“WHCRA”)
respect to coverage under this plan, you may be able to enroll       Your health care plan, as required by the Women’s Health and
yourself and your dependents in this plan. However, you              Cancer Rights Act of 1998, provides benefits for mastectomy-
must request enrollment within 60 days after your or your            related services, including all stages of reconstruction and
dependents’ determination of eligibility for such assistance.        surgery to achieve symmetry between breasts, prostheses,
                                                                     and complications resulting from a mastectomy (including
To request special enrollment or obtain more information,
                                                                     lymphedema). These benefits will be provided subject to the
contact a SPE Benefits Center representative toll-free at
                                                                     same deductibles and coinsurance applicable to other medical
1-833-9-SONY-01. Individuals who have questions about
                                                                     and surgical benefits provided under the plan. Call your
HIPAA may contact The Centers for Medicare & Medicaid
                                                                     health care provider at 1-888-385-1053, Aetna or Kaiser
Services (CMS) toll-free at 1-877-267-2323. The CMS website
                                                                     at 1-800-464-4000, for more information.
also provides answers to your questions about the provisions
of HIPAA, which can be found at the following Internet address:
http://www.cms.hhs.gov/HIPAAGenInfo/. Individuals may also           Newborns’ and Mothers’ Health Protection
contact CMS directly, by mail, at:
                                                                     Act of 1996
The Centers for Medicare & Medicaid Services, 7500 Security          Group health plans and health insurance issuers generally
Boulevard, Baltimore, MD 21244.                                      may not, under Federal law, restrict benefits for any hospital
                                                                     length of stay in connection with childbirth for the mother or

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