2021 OPEN ENROLLMENT - Island County

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2021 OPEN ENROLLMENT - Island County
2021 OPEN ENROLLMENT

Island County
2021 OPEN ENROLLMENT - Island County
DISCLAIMER

This presentation is intended to provide a brief description of 2021 coverage
and is not a complete explanation of covered services, exclusions, limitations,
reductions or terms under which a program may be continued in force. This
presentation is not a contract. For full coverage provisions, including a
description of waiting periods, limitations and exclusions, please contact
Human Resources or refer to the applicable summary plan documents posted
to www.wcif.net.

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2021 OPEN ENROLLMENT - Island County
ISLAND COUNTY
YOUR
Open EMPLOYER
       Enrollment OFFERS    THE FOLLOWING
                    is your annual         BENEFITS
                                   opportunity       THROUGH WCIF:
                                               as an employee  to make
thoughtful benefit elections for you and your family for the upcoming
year. During this time members may change plans, add or remove
dependents to existing plans, enroll in a new line of coverage, terminate
an existing line of coverage and make FSA/HSA/HRA elections. All open
enrollment plan changes will be effective January 1, 2021.

 YOUR EMPLOYER OFFERS THE FOLLOWING BENEFITS THROUGH WCIF:

  Medical                                 Dental

  Voluntary Vision                        Employee Assistance Program (EAP)

  Base Long-Term Disability (BLTD)        Basic Life/Accidental Death & Dismemberment
                                          (AD&D)
  Voluntary Term Life (VTL)               Voluntary Accidental Death & Dismemberment
                                          (AD&D)
  Voluntary Buy-Up Long-Term Disability   Voluntary Short-Term Disability (VSTD)
  (VLTD)
  Flexible Spending Arrangement (FSA)     Health Reimbursement Account (HRA)

  Health Savings Account (HSA)            Voluntary Worksite Plans                      3
2021 OPEN ENROLLMENT - Island County
MID-YEAR QUALIFYING EVENTS
 All open enrollment plan changes and additions will be effective January 1,
 2021. Your elections are to stay in effect for all of 2021, unless you
 experience a Qualifying Life Event.
 Below is a table that outlines the events and time frames.
Dependent                      Enrollment Deadline                                     Coverage Effective

Spouse                         Within 31 days of the date of marriage                  The first of the month following the date of marriage

                                                                                       The first of the month following the date of registration
                               Within 31 days of Washington State registration or
Domestic Partner (See                                                                  or the first of the month following the date of
                               within 31 days of the date of completed Affidavit of
Domestic Partner Eligibility                                                           completed Affidavit of Domestic Partnership
                               Domestic Partnership (depending on employer’s
below)                                                                                 (depending on employer’s choice - see Domestic
                               choice - see Domestic Partner Eligibility)
                                                                                       Partner Eligibility)
Dependent of Spouse /          If existing dependent , same rules as spouse/domestic partner (31 days – as shown above)
Domestic Partner               If acquired after spouse’s/domestic partner’s effective date (60 days – as shown above)

Newborn Child                  Within 60 days of birth                                 The date of birth

Adopted Child                  Within 60 days of placement in an employee’s home       The date of adoption (or placement for adoption)

Foster child                   Within 60 days of placement in an employee’s home       The date of foster care placement

Child Under Legal              Within 60 days of legal guardianship being granted to
                                                                                       The date of that legal guardianship is granted
Guardianship                   employee

Event                        Enrollment Deadline                                       Coverage Effective
Involuntary Loss of Other                                                              The first of the month following the date the application
                             Within 31 days of the date the other coverage ended
Coverage                                                                               for coverage is received.
State Medical Assistance and
                                                                                       The first of the month following the date the application
Children's Health Insurance  Within 60 days from the date of event (see below)
                                                                                                                                                   4
                                                                                       for coverage is received.
Program (CHIP)
2021 OPEN ENROLLMENT - Island County
DEFINITION OF TOP THREE HEALTH CARE TERMS

Deductible                                                   Coinsurance
The amount you could owe during                              Your share of the costs of a
a coverage period (usually one                               covered health care service,
year) for health care services your                          calculated as a percentage (for
health insurance or plan covers                              example, 20%) of the allowed
before your health insurance or                              amount for the service. You
plan begins to pay. For example, if your deductible is       generally pay coinsurance plus any deductibles you
$1000, your plan won’t pay anything until you’ve met         owe. For example, if the health insurance or plan’s
your $1000 deductible for covered health care services       allowed amount for an office visit is $100, and you’ve
subject to the deductible. The deductible may not apply      met your deductible, your coinsurance payment of 20%
to all services.                                             would be $20. The health insurance or plan pays the
                                                             rest of the allowed amount.

   Out-of-pocket Limit
   The most you could pay during a coverage period (usually one year)
   for your share of the costs of covered services.

   After you meet this limit, the plan will usually pay 100% of the allowed
   amount. This limit helps you plan for health care costs.
   This limit never includes your premium, your balance-billed charges, or health care your health insurance
   or plan doesn’t cover. Some health insurance or plans don’t count all of your copayments, deductibles,
   coinsurance payments, out-of-network payments or other expenses toward this limit.

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2021 OPEN ENROLLMENT - Island County
DEFINITION OF TOP THREE HEALTH CARE TERMS

Claims Payment Example

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2021 OPEN ENROLLMENT - Island County
MEDICAL / PREMERA BLUE CROSS
premera.com | 1.877.500.9247 (customer service) | 1.800.841.8343 (24-hour nurseline)

Heritage Network

• New Benefits: None
• Pharmacy Preferred Drug Formulary List: Preferred B3 or Open A1 (HSAs)

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2021 OPEN ENROLLMENT - Island County
MEDICAL / PREMERA BLUE CROSS

Virtual Care Options

Virtual care gives members immediate and convenient access to care
whenever and wherever they need it. You can avoid any drive times and
wait times you might experience at an urgent care center or emergency
room. Members who are covered by this service receive care virtually
from their own doctor (if available) or from a doctor with one of
Premera’s contracted vendors for virtual care.

  Major Benefit Categories               Benefit “Bucket”                         Cost Share
 Primary/Urgent Care              Virtual Care Only using Premera       $5 copay OR deductible &
 (includes Dermatology)           virtual care vendors                  coinsurance depending on your
                                                                        plan
 Primary/Urgent Care              Traditional Providers (e.g. Everett   Follows standard professional
 (includes Dermatology)           Clinic, Virginia Mason, etc.)         cost shares just like in person
 Mental Health                    Virtual Care Only – Mental            Mental Health outpatient office
                                  Health                                visit cost shares apply
 Substance Abuse/                 Virtual Care Only – Chemical          Chemical Dependency
 Chemical Dependency              Dependency                            outpatient office visit cost
                                                                        shares apply

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2021 OPEN ENROLLMENT - Island County
MEDICAL / PREMERA BLUE CROSS
premera.com | 1.877.500.9247 (customer service) | 1.800.841.8343 (24-hour nurseline)

Creating an Account on Premera.com

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2021 OPEN ENROLLMENT - Island County
NEED CARE? KNOW WHERE TO GO –

      If you need care but your doctor isn’t available, you have options.
      Some options are more expensive than others. The exact cost of
      your visit depends on your medical plan and the care you get.

      24-Hour Nurseline / FREE
      Call the 24-hour nurseline listed on your medical insurance ID card—for free.
      The nurse can discuss your symptoms and help you find a doctor, urgent care
      clinic, or hospital near you.
      Virtual Care / $
      Premera members have the option of using a variety of virtual care vendors.

      Urgent Care / $$
      Urgent care clinics provide care for illnesses like ear infections, fever or flu
      symptoms, or sprains. Clinics are often open outside of normal business hours
      and are less expensive than the emergency room.
      Emergency Room / $$$
      Emergency room visits cost the most and should be used only for emergencies,
      such as sever abdominal pain, shortness of breath, sudden numbness, loss of
      consciousness, or broken bones. Most facilities are open 24 hours per day, 7
      days a week (including holidays).

                                                                                         10
REMINDERS…

1   Prescription drug formularies are subject to change with
    limited notice to members.

2 Some services require prior authorization. Members
    should make sure their provider requests an authorization in
    advance for certain services. If the member uses an out-of-
    network provider, it is the member’s responsibility to make
    sure their doctor requests the prior authorization.

3   There may be times when two prior authorizations may
    be needed for one condition. For example, testing to
    diagnose a condition may require one prior authorization,
    while the rental/purchase of durable medical equipment to
    treat the diagnosed condition will require another prior
    authorization.

4 Provider contracts are regularly negotiated and there is
    no way to guarantee or predict continued provider
    participation in any given network. Providers are subject
    to change without notice to members. Please make sure to
    check carrier websites for the most up-to-date information
    regarding provider availability for your network.
                                                                   11
BALANCE BILLING PREVENTION ACT

 Surprise Billing

                             Washington state’s Balance Billing Prevention
                             Act (HB 1065) took effect on January 1, 2020.

                             The law is intended to protect patients from getting
                             surprise or balance bills when they receive:
                                  o Emergency care at an out-of-network hospital
                                  o Treatment at an in-network facility but are seen by
                                    certain out-of-network providers covered under the
                                    Act

                             Patients are also protected from surprise bills for
                             emergency services provided in an out-of-network
                             facility in Idaho or Oregon.

                             Non-contracted providers covered under the new state
                             law can’t bill protected members above the in-network
                             cost sharing amount after December 31, 2019.

Contact your medical plan customer service number for specific billing questions.         12
MEDICAL / WAIVER OF COVERAGE

 Active employer group medical coverage can only be waived if
 you have other group coverage.

Group coverage can be:
    • Another employer plan
    • Coverage through a spouse/domestic partner’s
       employer plan
    • Government health plan
         • Tricare
         • VA (with ACA letter)
         • Medicaid (Washington Apple Health)
         • HealthPlanFinder (State marketplace plan)
         • Medicare*

*If an employee waives active group coverage through the
employer in favor of Medicare, Medicare Secondary Payer rules
prohibit the employer from providing any incentive to waive active
coverage. This includes HRA contributions and premium
reimbursement for Medicare Supplement plans.

                                                                     13
LIVE WELL AT WCIF
Due to today’s challenges regarding the COVID crisis,
the structure of the Live Well at WCIF program has been
adjusted to better suit the needs of employees.

Primary Program ($25 e-Gift Card): Eligible employees and
their covered spouse will have a list of activities to choose
from to earn their $25 e-Gift Card. See enrollment guide for
more detailed information.

•   Health Quality Assessment (HQA) and
•   One Additional Activity within SonicBoom portal
     • Health Screening
     • WCIF-sponsored Contest
     • Academy Course
•   One enhancement to the Primary Program is that the Health Quality Assessment will be
    made available on SonicBoom’s mobile app sometime in September. This should make it
    easier for a large portion of employees who do not have access to a desktop computer.

•   Secondary Program ($50 e-Gift Card): There are no changes, however, some activities
    completed to earn credit in the Primary Program will also be applied to the Secondary
    Program.
    The deadline has been extended to November 15, 2020. This should give you plenty of
    time to earn your individual incentives as the health screening is no longer a requirement.
                                                                                                  14
HEALTH REIMBURSEMENT ACCOUNT / VIMLY
flexspending@vimly.com ǀ 1.206.859.2694 (customer service) 1.866.727.2106 (fax)

Health Reimbursement Account (HRA)
EASY TO USE
The ability to file claims directly through the SIMON portal SIMON365.com makes the
reimbursement process quick and easy. If you do not already have a SIMON account an email
invitation will be sent to you shortly after enrollment.

You must include the EOB that corresponds with your eligible services to receive
reimbursement.

SAVE MONEY
Since HRAs are entirely employer funded there will be no cost to you for utilizing your HRA funds,
and no deductions will be taken from your paychecks.

SAVE TIME
Sign up for Direct Deposit so your reimbursements are deposited directly into your bank account
instead of having to wait for a check to arrive in the mail.

Request a Direct Deposit Form from your HR department or by emailing flexspending@vimly.com.

SAVE STRESS
World class security assures that your account information will be secure because access to
accounts is always encrypted and not based on your Social Security Number.
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HEALTH REIMBURSEMENT ACCOUNT / VIMLY
flexspending@vimly.com ǀ 1.206.859.2694 (customer service) 1.866.727.2106 (fax)

Health Reimbursement Account (HRA)
A health account (HRA) is an employer-funded health care reimbursement plan that receives
favorable tax treatment under the federal Internal Revenue Code (Code). Many employers that
sponsor HRAs establish unfunded notional “bookkeeping” accounts to reimburse eligible employees
for substantiated medical expenses that are not covered by health insurance, such as deductibles,
coinsurance, and copayments.

HOW ARE DEPOSITS MADE TO MY HRA ACCOUNT?
Only employers are allowed to make HRA contributions. Island County will provide each
employee up to $4,000 towards the individual out-of-pocket costs or up to $6,000 towards the family
out-of-pocket costs. Unlike health savings accounts (HSAs) and health flexible spending accounts
(FSAs), employees cannot make contributions to their HRAs.

HOW DO I RECEIVE REIMBURSEMENT FROM MY HRA?
You can complete an online or paper claim form and submit it to Vimly Benefit Solutions by email, fax
or regular mail. You can also submit claims manually via SIMON. In order to substantiate your claims
you will need to provide documentation.

WHEN ARE EXPENSES “INCURRED”?
The IRS rules state that an expense is incurred at the time the service is rendered (not when an
appointment is made), a bill is dated, or a bill is paid.

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HEALTH SAVINGS ACCOUNT / VIMLY
flexspending@vimly.com ǀ 1.206.859.2694 (customer service) 1.866.727.2106 (fax)

A Health Savings Account (HSA) is a tax-advantaged medical savings account that is
available to taxpayers who are enrolled in an IRS-qualified High Deductible Health
Plan (HDHP). It can be used to pay for qualified medical expenses
 ENROLL NOW AND SAVE
 That’s right. You can pay less in taxes and essentially get a discount on
 a big chunk of your medical expenses simply by signing up for an HSA.
 • Be enrolled in a qualifying HDHP
 • Set aside a portion of your paycheck before taxes
 • Use the funds to pay for medical expenses not covered by insurance
 (IRS Section 213d expenses)
 • Your funds carry over and can be invested to help you plan for
 future medical expenses – investment growth is tax-free

2021 CONTRIBUTION LIMITS
• $3,600 for self-only coverage (additional $1,000 catch-up contribution for
  anyone over 55 years old) – Island County will contribute $2,000 of the
  $3,600 maximum
• $7,200 for family coverage (additional $1,000 catch-up contribution for anyone
  over 55 years old) – Island County will contribute $4,000 of the $7,200
  maximum
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HEALTH SAVINGS ACCOUNT / VIMLY

 When you reach age 65, your HSA eligibility will change due
 to Medicare, as will the rules for withdrawing funds.

 Effects of Medicare
 At age 65, you become eligible for Medicare and may be
 automatically enrolled. Enrolling in Medicare ends your HSA
 eligibility in one of two ways:

  If Medicare is your only health insurance, you are no
   longer eligible to contribute to an HSA because Medicare
   is not an HDHP.
  If you have Medicare as secondary coverage in addition to
   an employer sponsored HDHP, you will also lose HSA
   eligibility because you have “other coverage.”

 When you turn 65 and begin Medicare coverage, you lose
 HSA eligibility on the first day of that month.

                                                               18
FLEXIBLE SPENDING ARRANGEMENTS / VIMLY
flexspending@vimly.com ǀ 1.206.859.2694 (customer service) 1.866.727.2106 (fax)

Health Flexible Spending Account
•    A Flexible Spending Arrangement is an easy
     way to lower your taxes and increase your
     spendable income.
•    You set aside part of the money you earn each
     year before taxes are calculated.
•    Your entire election amount is available on the
     first day of the plan year.
•    Services must be rendered during the current
     plan year.
•    IRS annual FSA contribution maximum is
     $2,750 (2020).

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DENTAL / DELTA DENTAL OF WASHINGTON
deltadentalwa.com | 1.800.554.1907 (customer service)

 Base Plan

• New Benefits: Posterior composite fillings now covered
• Network: PPO

Benefit Period                                      January 1, 2021 - December 31, 2021
Benefit Period Deductible                                          $50 / $150
Benefit Period Maximum (Per Person)*                                 $1,000

                                                                Dental Network
                                             PPO Dentist / Premier Dentist / Non-Participating Dentist

Class 1 - Diagnostic & Preventive                           80% / 80% / 80%
Class 2 - Restorative                                       60% / 60% / 60%
Class 3 - Major                                             40% / 40% / 40%
*Class 1 Services do not apply toward deductible or the benefit period maximum

                                                                                                         20
DENTAL / DELTA DENTAL OF WASHINGTON
deltadentalwa.com | 1.800.554.1907 (customer service)

 Buy-up Plan

• New Benefits: Posterior composite fillings now covered
• Network: PPO

Benefit Period                                          January 1, 2021 - December 31, 2021
Benefit Period Deductible                                              None
Benefit Period Maximum (Per Person)*                                  $2,000
Orthodontia - Adults & Children                                        50%
Lifetime Maximum (Per Person)                                         $2,000
                                                                 Dental Network
                                              PPO Dentist / Premier Dentist / Non-Participating Dentist

Class 1 - Diagnostic & Preventive                             100% / 100% / 100%
Class 2 - Restorative                                           90% / 80% / 80%
Class 3 - Major                                                 50% / 50% / 50%
*Class 1 Services do not apply toward benefit period maximum

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DENTAL / WILLAMETTE DENTAL
willamettedental.com | 1.855.433.6825 (customer service)

High Plan

• New Benefits:
 Starting in 2021 Willamette Dental Specialty offices will offer a
 Dental Implant Benefit covering up to $1500 for implant surgical
 services (limited to one implant per calendar year).

Benefit Period                                               January 1, 2021 - December 31, 2021
Annual Maximum                                                        No Annual Maximum*
Deductible                                                                 No Deductible
General or Orthodontic Office Visit                                    $10 Copay per Visit
Speciality Office Visit                                                $30 Copay per Visit
Comprehensive Orthodontia Treatment                                        $1,800 Copay
Dental Implant Surgery                                  Benefit Maximum of $1,500 per calendar year
* Benefits for TMJ, implant surgery, and orthognathic surgery have a benefit maximum, if covered.

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VISION / VISION SERVICE PLAN
VSP.com | 1.800.877.7195 (customer service)

 Voluntary Plan

• Network: Choice
• New Benefits: Starting in 2021, Walmart/Sam’s
  Club will be added as a provider, working in the
  same way as Costco. The frame allowance will
  be $95.

   Benefit                                    Frequency    Copay
   WellVision Exam                             12 months     $15
   Prescription Glasses Hardware                             $15
     Frames / $175 allowance                   24 months
     Lenses                                    24 months
                  OR
     Contacts / $155 allowance                 24 months
     Contact Lens Exam                         24 months   Up to $60

   Remember, you get either glasses or contacts… NOT both.             23
VISION / VISION SERVICE PLAN
VSP.com | 1.800.877.7195 (customer service)

 Premier Program

 With Premier Program locations, members will be able to choose from a wide
 selection of featured frame brands which are backed by a one-year, worry-free
 warranty including savings on replacement lenses. They’ll also get access to
 extra member value as well as savings like rebates on lenses and contacts.

 VSP’s Premier Program for VSP Network Doctors
 • Great Choice in Eyewear: Wide selection of featured frame brands
   available.
 • Eyewear Protection: Featured frame brands are backed by a one-year
   worry-free warranty if glasses are damaged or broken. Get great savings on
   replacement lenses as well.
 • Latest Technology: High-tech exam equipment, like retinal imaging
   technology, can monitor changes inside your eyes.
 • Performance Lenses for Sharp Vision: The latest High-definition lens
   technology with UNITY® digital lenses available.
 • Bonus Offers: Access extra savings and value only available through
   Premier Providers
                                                                                 24
FLEXIBLE SPENDING ARRANGEMENTS / VIMLY
  flexspending@vimly.com ǀ 1.206.859.2694 (customer service) 1.866.727.2106 (fax)

  Dependent Care Account Program (DCAP)

• A DCAP is an easy way to lower your taxes and
  increase your spendable income.
• You set aside part of the money you earn each year
  before taxes are calculated.
• IRS annual DCAP contribution maximum is $5,000 per
  household.
• Expenses are reimbursed only as payroll deductions
  are contributed to the account.
• Automatic recurring reimbursements can be set up by
  the provider and participant returning one simple form.
• Services must be rendered during the current plan year.
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EAP / FIRST CHOICE HEALTH EAP
FirstChoiceEAP.com | 1.800.777.4114 (customer service)

 Member Services

       COUNSELING SESSIONS
                                           WORK LIFE RESOURCES                  CRISIS SUPPORT
            • 1-6 Sessions
                                             • Legal Assistance            • 24/7 Telephonic Support
    • Individual, Couples, or Family
                                           • Financial Resources                with EAP Provider
              • Parenting
                                                • ID Theft
            • Grief & Loss
                                           • Childcare Resources
     • Change & Life Transitions
                                           • Eldercare Resources
             • Depression
                                         • Home Ownership Program
               • Anxiety
         • Domestic Violence
           • Alcohol & Drug                                                 ASSESSMENT PROCESS
             • TeleHealth
              • And More                                                    • 24 Hour Number/Online
                                                                                      Request
                                              CONFIDENTIALITY                   • Greeted by CSR
                                                                               • Describe Problem
                                       • Contacts with EAP Confidential           • Preferences
          WHO IS COVERED?
                                        • Exceptions to Confidentiality:   • Provider Calls within 24-48
                                          o Intent to harm self/others             Business Hours
             • Employees
                                                o Child abuse                 • Satisfaction Survey
       • Household Members
                                                o Elder abuse
     • Children up to the age of 26

                                                                                                           26
EAP / FIRST CHOICE HEALTH EAP
FirstChoiceEAP.com | 1.800.777.4114 (customer service)

 24/7 Telehealth

                                                         27
EAP / FIRST CHOICE HEALTH EAP
FirstChoiceEAP.com | 1.800.777.4114 (customer service)

 Website

                                                         28
BASIC LIFE/ACCIDENTAL DEATH &
DISMEMBERMENT / THE STANDARD
STANDARD.com | 1.800.848.5132 (customer service)

Island County provides you with a
Basic Life/AD&D Plan that provides a
$24,000 benefit. In addition, your
employer provides dependent life
benefit of $1,000 per dependent.
This helps serve as an employee’s
financial safety net during the most
crucial income earning years.

In addition, a Travel Assistance
Benefit through Assist America, Inc. is
provided as well as a Life Services
Toolkit through Morneau Shepell.

                                                   29
VOLUNTARY LIFE / THE STANDARD
STANDARD.com | 1.800.848.5132 (customer service)

Select the amount of Voluntary Life and Dependents
Voluntary Life insurance for which you are interested in
applying.

                                          Minimum         Maximum              Guarantee
                      May elect
                                           Benefit         Benefit               Issue
                                                      $500,000 or 6x Annual
                                                      Earnings, whichever is
    Employee       Multiples of $10,000    $10,000                              $150,000*
                                                      less, when combined
                                                     with Basic Life Amount
Spouse/ Domestic
                   Multiples of $10,000    $10,000          $250,000            $30,000*
    Partner

    Child(ren)     Multiples of $2,000     $2,000           $10,000             $10,000

*The Guarantee Issue amount only applies during the initial 31-day eligibility period

Amounts of coverage elected above the Guarantee Issue amount or after the initial
eligibility period are subject to medical underwriting approval.

   Please see the Voluntary Life Benefit Booklet for benefit details and rates              30
BENEFICIARY DESIGNATION REMINDER
STANDARD.com | 1.800.848.5132 (customer service)

Setting up beneficiaries isn’t a one-time thing. Be sure to review your
beneficiary designations regularly, especially after life events such as
marriage, divorce, birth, and death. Circumstances might have changed
for you or your beneficiaries, and you may need to alter your
designations to reflect that.

This is a great time of year to review and make any necessary changes.

                                                                           31
VOLUNTARY AD&D / THE STANDARD
STANDARD.com | 1.800.848.5132 (customer service)

If you elect coverage for yourself, you may also
elect coverage for your spouse/domestic partner
and dependent children.

                       May elect        Minimum Benefit     Maximum Benefit
                        Multiples of                       $500,000 or 10X Annual
     Employee                                 $25,000
                         $25,000                          Earnings whichever is less

 Spouse/ Domestic       Multiples of                           50% or 100% of
                                              $25,000
     Partner             $25,000                              employee amount

                                                          10% of employee amount
     Child(ren)             N/A                    N/A
                                                           not to exceed $30,000

Please see the Voluntary AD&D Benefit Booklet for benefit details and rates.

                                                                                       32
LONG TERM DISABILITY / THE STANDARD
STANDARD.com | 1.800.848.5132 (customer service)

Have you ever thought about how you would protect
yourself, your lifestyle, and those who count on you from
an unexpected loss of income?
Island County provides eligible employees with Base LTD
coverage to help protect a certain level of income, if you
are enrolled in the medical plan.
Guarantee issue coverage only applies during the initial 31-day eligibility period.

                    Benefit                                             Maximum
     LTD                                    Monthly Benefit*
                 Waiting Period                                          Benefit
                                      40% of first $10,000 of monthly
  Base LTD           180 Days                                            $4,000
                                         pre-disability earnings
                                      60% of first $10,000 of monthly
 Buy-Up LTD           90 Days                                            $6,000
                                         pre-disability earnings

*Disability reduced by deductible income.
 Please see the Buy-Up LTD Benefit Booklet for benefit details & rates.
                                                                                      33
VOLUNTARY STD / THE STANDARD
STANDARD.com | 1.800.848.5132 (customer service)

Short Term Disability is voluntary – Employee Paid

  The LTD plan you have determines the best VSTD plan for you:
   • Base LTD plan: VSTD plan has 180-day maximum benefit period.
   • Buy-Up LTD plan: VSTD plan has 90-day maximum benefit period.
   • No LTD plan: Employee elects 180- or 90-day maximum benefit period.

Guarantee issue coverage only applies during the initial eligibility period.
                           Benefit                                                Maximum
       STD              Waiting Period                Weekly Benefit*              Benefit*

                                                  60% of first $1,667 of weekly
       STD                    30 Days                                               $1,000
                                                    pre-disability earnings

*Disability reduced by deductible income.

     Please be advised, plan benefits are impacted by the new Washington State Paid Family and
                  Medical Leave Program. More information available on website:
                                    https://www.paidleave.wa.gov/workers

 Please see the STD Benefit Booklet for benefit details and rates.
                                                                                                 34
ACCIDENT INSURANCE / METLIFE

  Plan Highlights

 You have a choice of two plans: Low Plan and High Plan

 Covered Conditions                                                             Low Plan                                                  High Plan
                                                                   MetLife Accident Insurance Pays You                       MetLife Accident Insurance Pays You

 Injuries –                                                                   Ranging from                                               Ranging from
 12 covered injury types                                                 $25 – $5,000 per injury                                    $50 – $10,000 per injury

 Medical Services & Treatment –
                                                                      Ranging from $15 – $1,000                                  Ranging from $25 – $2,000 per
 15 covered medical
                                                                     per medical service/treatment                                 medical service/treatment
 services & treatments

 Hospital Coverage1                                               Admission – $500 per accident                                 Admission – $1,000 per accident
 (due to an Accident)                                     ICU Supplemental Admission – $500 per accident                ICU Supplemental Admission – $1,000 per accident

                                                              Confinement – $100 a day, up to 31 days                        Confinement – $200 a day, up to 31 days
                                                         ICU Supplemental Confinement – $100 a day, up to               ICU Supplemental Confinement – $200 a day, up to
                                                                             31 days                                                        31 days

• 1Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities.
  See MetLife’s Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

                                                                                                                                                                           35
ACCIDENT INSURANCE / METLIFE

  Plan Highlights

You have a choice of two plans: Low Plan and High Plan

 Covered Conditions                                                           Low Plan                                                       High Plan
                                                                 MetLife Accident Insurance Pays You                         MetLife Accident Insurance Pays You

                                                                            $25,000                                                         $50,000
Accidental Death
                                                            $75,000 if passenger on common carrier2                        $150,000 if passenger on common carrier2

Dismemberment,
                                                                     $250 – $10,000 per injury                                      $500 – $50,000 per injury
Loss & Paralysis

Additional Benefits –
Lodging1                                                          $100 per night, up to 31 nights                                 $200 per night, up to 31 nights

1The lodging benefit is not available in all states. It provides a benefit for a companion accompanying a covered insured while hospitalized, provided that lodging is at least 50
 miles from the insured’s primary residence.
2Common Carrier refers to airplanes, trains, buses, trolleys, subways and boats. Certain conditions apply. See your Disclosure Statement or Outline of Coverage/Disclosure

 Document for specific details. Be sure to review other information contained in this booklet for more details about plan benefits, monthly rates and other terms and conditions.

                                                                                                                                                                                 36
HOSPITAL INDEMNITY INSURANCE / METLIFE

 Plan Highlights

You have a choice of two plans: Low Plan and High Plan

Covered Conditions1                                                            Low Plan                                                     High Plan
                                                                  MetLife Hospital Indemnity Pays You                          MetLife Hospital Indemnity Pays You

Hospital Coverage (Accident and Sickness)

                                                            Admission – $500 1 time per calendar year                        Admission – $1,000 1 time per calendar year
Admission
                                                          ICU Supplemental Admission – $500 1 time per                     ICU Supplemental Admission – $1,000 1 time per
                                                                          calendar year                                                     calendar year

                                                             Confinement – $100 a day, up to 15 days2                          Confinement – $200 a day, up to 15 days2
Confinement
                                                        ICU Supplemental Confinement – $100 a day, up to                  ICU Supplemental Confinement – $200 a day, up to
                                                                            15 days                                                           15 days

Inpatient Rehab                                                             $100 per day,                                                   $200 per day,
                                                                   up to 15 days per calendar year                                 up to 15 days per calendar year

1Covered  services/treatments must be the result of an accident or sickness as defined in the group policy/certificate.
  See the Disclosure Statement or Outline of Coverage/Disclosure Document for more details..

                                                                                                                                                                             37
2 When plan includes an Admission benefit, Confinement begins on Day 2.
CRITICAL ILLNESS INSURANCE/ METLIFE

Plan Highlights

 Key Features

• Perpetual Guaranteed Issue of $15,000 or $30,000: No Evidence of
  Insurability (EOI) or Statement of Health (SOH) needed ever!
• Lump sum benefit paid upon diagnosis verification
• Maximum benefit (Total Benefit) is 3x the amount of your Initial Benefit
• Recurrence benefit1 of 50%
• No waiting periods or age restrictions
• No limitations on filing claims for covered conditions
• Pre-existing condition exclusion 3/6 (does not include heart attack or stroke)
• Portable (continuation of coverage)3

 MetLife Critical Illness Insurance Pays Benefits Directly to Employee
 . There is a Benefit Suspension Period between Recurrences. We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period. We will not pay a Recurrence Benefit
 for either a Full Benefit Cancer or a Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial
 Benefit during the Benefit Suspension Period.

 2. Coverage is guaranteed provided: (1) the employee is actively at work. Additional restrictions apply to dependents serving in the armed forces or overseas.

                                                                                                                                                                                                                      38
 3. Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife
 representative
CRITICAL ILLNESS INSURANCE/ METLIFE

    Covered Conditions

                                                                                      Conditions

    • Full Benefit Cancer1                                                                                 • Coronary Artery Bypass Graft (CABG)

    • Partial Benefit Cancer1                                                                              • Alzheimer’s Disease3

    • Heart Attack                                                                                         • Major Organ Transplant

    • Stroke2                                                                                              • 22 Listed Conditions4

    • Kidney Failure

•   1Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered

    at less than the Initial Benefit Amount. For NH-sitused cases and NH residents, there is an initial benefit of $100 for All Other Cancer.
•   2In certain states, the Covered Condition is Severe Stroke.

•   3Please review the Outline of Coverage for specific information about Alzheimer’s disease.

•   4MetLife Critical Illness Insurance will pay 25% of the Initial Benefit Amount when a covered person is diagnosed with one of the 22 Listed Conditions.

    A Covered Person may only receive one benefit payment of a Listed Condition in his/her lifetime. The Listed Conditions are: Addison’s disease (adrenal hypofunction); amyotrophic lateral sclerosis
    (Lou Gehrig’s disease); cerebrospinal meningitis (bacterial); cerebral palsy; cystic fibrosis; diphtheria; encephalitis; Huntington’s disease (Huntington’s chorea); Legionnaire’s disease; malaria; multiple

                                                                                                                                                                                                                    39
    sclerosis (definitive diagnosis); muscular dystrophy; myasthenia gravis; necrotizing fasciitis; osteomyelitis; poliomyelitis; rabies; sickle cell anemia (excluding sickle cell trait); systemic lupus
    erythematosus (SLE); systemic sclerosis (scleroderma); tetanus; and tuberculosis.
CRITICAL ILLNESS INSURANCE/ METLIFE

Health Screening Benefit

MetLife provides an annual Health                                                                        Health Screening Benefit
Screening Benefit for taking one of the

                                                                                                                      $50
eligible screening/prevention measures.
This coverage would be in addition to the
Total Benefit Amount payable for previously
mentioned Covered Conditions.

                                     45+                    ways to get the annual Health
                                                            Screening Benefit,1 including:

                                                                                     •   Lipid panel
  •   Annual physical exam
                                                                                     •   Mammogram
  •   Blood test to determine total cholesterol
                                                                                     •   Pap smears or thin prep pap test
  •   Colonoscopy
                                                                                     •   Prostate-specific antigen (PSA) test
  •   Electrocardiogram (EKG)
                                                                                     •   Serum cholesterol test to determine LDL
  •   Fasting blood glucose test
                                                                                         and HDL levels

 Plus, spouses and children can use the Health Screening Benefit, too
 1. The Health Screening Benefit is not available in all states. There is a separate mammogram benefit for MT residents and for cases sitused in CA and MT. Some   40
 states may limit the number of health screening tests.
BENEFITHUB DISCOUNT CENTER

All employees have access to
BenefitHub! To register, go to the
WCIF website and look at the
dropdown menu under Employees.
Click on Discounts & Rewards, then
look for the link. Be sure to use the
Referral Code on the flyer!

                                        41
NEXT STEPS…….

SIMON ESS Portal

This is a CHANGE ONLY open enrollment. If you
wish to change plans, add or remove a dependent,
or drop a voluntary plan please access your
SIMON portal and process your 2021 open
enrollment changes online. The website address
is: https://wcif.simon365.com.

IMPORTANT: If you cancel or decline the
electronic signing process, any changes you have
made will not be saved. If you do not wish to
electronically sign your enrollment form, you will
not be able to process your open enrollment
changes through SIMON.

                                                     42
CARRIER CUSTOMER SERVICE

Carrier              Customer Service    Website
Premera              1.877.500.9247      Premera.com
Delta Dental         1.800.554.1907      Deltadentalwa.com
Willamette Dental    1.855.433.6825      Willamettedental.com
VSP                  1.800.877.7195      Vsp.com
First Choice EAP     1.800.777.4114      Firstchoiceeap.com
Vimly CDHP           1.206.859.2694      Email:
                                         flexspending@vimly.com
The Standard         1.800.848.5132      Standard.com
MetLife              1.800.438.6388      Metlife.com

Planning to Retire? Please visit the Retiree Page on our WCIF website

                                                                        43
THANK YOU

   If you think of any questions later that you need help with,
              please reach out to Human Resources.

                                                                  44
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