Inotiv: Employee Benefits Guide 2025

Employee Benefits Guide 2025 st th Open Enrollment: Nov 1 – 14 , 2024 st st Plan Year Effective: Jan 1 – Dec 31 , 2025 You may request paper copies of all notices, free of charge, upon request to the Inotiv Benefits Department, at [email protected] .

What you need to know for 2025 Inotiv is proud to continue to offer a comprehensive benefits package to those employees working 30 or more hours per week. The open enrollment period for 2025 runs from November 1st to November14th, 2024, and benefits will become effective on January 1, 2025. • Except for Health Savings Account (HSA) and Flexible Spending Account (FSA) contribution elections, other current benefit elections will rollover into 2025.  Employees must make 2025 HSA or FSA elections during open enrollment, or their contributions to the HSA or FSA will be defaulted to non-participating.  In order to get the employer contribution to the HSA, you must Select the HSA benefit plan even if you choose to contribute zero dollars yourself. If you choose Waive, you will not get the employer contribution.  Employees can change their benefit plans and add or drop dependents for 2025 during open enrollment.  If a dependent is added to the medical plan, then dependent verification documents (birth certificates, marriage licenses, etc.) are required to be uploaded into Workday before you can submit your elections.  After Open Enrollment, you can only make plan changes or add/drop dependents during 2025 with a qualifying life event. • 2025 will see increases to deductibles and out of pocket maximums for all three medical plans.  Traditional PPO deductible to $1500/$3000 (single/family) and out-of-pocket maximum to $5000/$10,000 (single/family)  HDHP 3500 deductible to $3500/$7000 (single/family) and out-of-pocket maximum to $5000/$10,000 (single/family). Plan name changed to HDHP 3500  HDHP 4500 deductible to $4500/$9000 (single/family) and out-of-pocket maximum to $6000/$12,000 (single/family). Plan name changed to HDHP 4500. • There will also be a slight premium increase for medical and dental plans for 2025. • All other plan premiums, providers, and plan designs will remain the same. • If you are adding or increasing employee voluntary life insurance by more than $10,000 or spouse life insurance by any amount, you will need to complete evidence of insurability through Sun Life by November 22, 2024. • All Health Savings & Flexible Spending accounts remain with Bank of America – deduction elections for health savings or flexible spending are required during Open Enrollment. • Legal notices and benefit plan summary documents are available on the benefits website at https://benefits.inotiv.com. Page 2 | Inotiv | Plan Year 2025 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Eligibility & Making Changes 2025 PLAN YEAR DETAILS Eligibility All full-time employees working 30 or more hours per week are eligible for the benefits program. For new hires, benefits are effective on the 1st of the month following your hire date. • You may insure yourself, your legal spouse and eligible children under the benefit program. • Children are eligible to remain on all benefits to age 26. Benefits will end at the end of the month following their 26th birthday. • Your children of any age are also eligible if you support them, and they are incapable of self- support due to disability. Documentation is Proof of Dependent Eligibility required. As required by our insurance contracts, you may be required to provide proof of eligibility for your dependents. If your dependent becomes ineligible for coverage during the year, you must contact your plan administrator within 30 days. Making Benefit Changes After Open Enrollment Your medical, dental, and vision contributions are deducted on a pre-tax basis under a Section 125 Plan. Pre-tax benefits can ONLY be changed during annual open enrollment or within 30 days of the effective date of a qualifying event such as: •Change in a child’s dependent status •Marriage •Death of a Spouse, child, or other qualified dependent •Divorce •Commencement or termination of adoption •Legal Separation •Change in your spouse’s benefits or employment status •Birth or adoption of a child Last Day of Benefits Upon full-time separation of service, medical, dental, and vision benefits will end at the end of the month of your last day of employment. All other benefits end on your last day of employment. Compliance The offered plans meet essential and affordable guidelines in compliance with the Affordable Care Act. All Federal and State required Plan Notices can be found on our website, https://benefits.inotiv.com. You may also request a printed copy of all Notices, free of charge, upon request. Page 3 | Inotiv | Plan Year 2025 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Overview of Benefit Contributions Contributions Effective January 1, 2025, per Pay Period Cigna Medical Premiums Coverage Level Traditional Plan HDHP 3500 HDHP 4500 Employee Only $80.23 $65.99 $51.52 Employee + Spouse $194.78 $158.59 $126.70 Employee + Child(ren) $162.47 $132.29 $104.46 Family $257.76 $209.82 $166.12 Delta Dental Premiums Coverage Level Standard Low Premier High Plan Plan Employee Only $12.32 $18.03 Employee + Spouse $26.18 $38.34 Employee + Child(ren) $26.71 $36.16 Family $40.89 $56.63 VSP Vision Premiums Coverage Level 26 Biweekly Pay Periods Employee Only $3.72 Employee + Spouse $7.44 Employee + Child(ren) $7.97 Family $8.71 Life/AD&D/Short & Long-Term Disability Coverage Level 26 Biweekly Pay Periods Basic Life/AD&D (1x salary) No cost to eligible employee Short-Term Disability No cost to eligible employee Long-Term Disability No cost to eligible employee Voluntary Life/AD&D Employee pays 100% of cost Critical Illness/Accident Employee pays 100% of cost Page 4 | Inotiv | Plan Year 2025 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

2025 Medical Benefit Overview Traditional Plan HDHP 3500 (HSA) HDHP 4500 (HSA) All plan information provided below is for IN-Network Providers. Deductible Embedded Embedded Embedded Single $1,500 $3,500 $4,500 Family $3,000 $7,000 $9,000 Coinsurance 20% 20% 20% Out-of-Pocket Maximum Embedded Embedded Embedded Single $5,000 $5,000 $6,000 Family $10,000 $10,000 $12,000 Preventive Care 100% Coverage 100% Coverage 100% Coverage Physician Office Visit $25 Copay 20% after deductible 20% after deductible Specialist Office Visit $40 Copay 20% after deductible 20% after deductible Virtual Care - MDLIVE $25 Copay 20% after deductible 20% after deductible Virtual Specialist Visit $40 Copay 20% after deductible 20% after deductible Urgent Care Centers $50 Copay 20% after deductible 20% after deductible ER Services $300 Copay 20% after deductible 20% after deductible Hospital Services 20% after deductible 20% after deductible 20% after deductible Out-Patient Services 20% after deductible 20% after deductible 20% after deductible Maternity Services 20% after deductible 20% after deductible 20% after deductible Lab and Radiology 20% after deductible 20% after deductible 20% after deductible Preventive RX - Free Retail Pharmacy Generic $10 Copay 20% after deductible 20% after deductible Preferred $50 Copay 20% after deductible 20% after deductible Non-Preferred $90 Copay 20% after deductible 20% after deductible Non-Preferred 40% to $250 Copay 20% after deductible 20% after deductible Mail Order Pharmacy Generic $25 Copay 20% after deductible 20% after deductible Preferred $125 Copay 20% after deductible 20% after deductible Non-Preferred $225 Copay 20% after deductible 20% after deductible Specialty Rx 40% to $250 Copay 20% after deductible 20% after deductible *Embedded Deductible— Each family member has an individual deductible within the overall family deductible. Meaning if an individual in the family reaches his or her deductible before the family deductible is reached, that person will start paying coinsurance. Page 5 | Inotiv | Plan Year 2025 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

CHOOSE A PLAN WITHCONFIDENCE Cigna OneGuide service can help. We understand how confusing and overwhelming it can After enrollment, the support continues for be to review your health plan options. And we want to Cigna customers. help by providing the resources you need to make a Cigna One Guide service will be there to guide decision with confidence. you through the complexities of the health care That’s why Cigna One Guide® service is available to system, and help you avoid costly missteps. Our you now. goal is a simpler health care journey for you and Call a Cigna One Guide representative during your family. preenrollment to get personalized, useful guidance. Cigna One Guide service provides personalized Your personal guide will help you: assistance to help you:  Easily understand the basics of healthcoverage. • Resolve health care issues.  Identify the types of health plans available to you. • Save time and money.  Check if your doctors are in-network to help you • Get the most out of your plan. avoid unnecessary costs. • Find hospitals and health care providers in  Get answers to any other questions you may have your plan’s network. about the plans or provider networks available to you. • Get cost estimates and avoid surprise expenses • Understand your bills. The best part is, during the enrollment period,your personal guide is just a callaway. AccessCignaOneGuide–afterenrollment – Don’t wait until the last minute to in the waythat’s mostconvenient for you: enroll. myCigna.com orthe Livechat Phone myCigna®app Call 888.806.5042 to speak with a Cigna One Guide representative today. Offered by: Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company or their affiliates. Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and complete details of coverage, see your plan documents. All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company (CHLIC), Connecticut General Life Insurance Company, Cigna Behavioral Health, Inc., Cigna Health Management, Inc., and HMO or service company subsidiaries of Cigna Health Corporation, including Cigna HealthCare of Arizona, Inc., Cigna HealthCare of California, Inc., Cigna HealthCare of Colorado, Inc., Cigna HealthCare of Connecticut, Inc., Cigna HealthCare of Florida, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Indiana, Inc., Cigna HealthCare of St. Louis, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of New Jersey, Inc., Cigna HealthCare of South Carolina, Inc., Cigna HealthCare of Tennessee, Inc. (CHC-TN), and Cigna HealthCare of Texas, Inc. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC); GSA-COVER, et al. (CHC- TN). The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. All pictures are used for illustrative purposes only. 901993 b 06/20 © 2020 Cigna. Some content provided under license. Page 6 | Inotiv | Plan Year 2025 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

2025 HSA A Health Savings Account (HSA) is a consumer-oriented, tax- advantaged savings account that is always combined with a High Deductible Health Plan (HDHP). It is an interest-accruing account, like an Individual Retirement Account (IRA), which provides financial control over how you spend your health care dollars and can be used to pay for your out-of-pocket medical expenses. HSA earnings grow tax-deferred and qualified withdrawals are tax-free without “use it or lose it” provisions found with a Flexible Spending Account (FSA). Money not used in your Health Savings Account can be rolled over to the following year. HSA funds can be used for all qualified medical expenses, including medical services, as well as eyeglasses, dental procedures, prescription drug coverage and over-the-counter medications provided you submit a prescription from your provider. See IRS Publication 969 for more information and a listing of Qualified . Eligible Expenses at www.irs.gov Employer Annual HSA Contributions If you enroll in the HDHP plan for January 1, 2025, Inotiv contributes to your HSA based on the tier of coverage you are enrolled in. The annual amount is contributed on a per pay basis. In order to get the employer contribution to the HSA, you must Select the HSA benefit plan even if you choose to contribute zero dollars yourself. If you choose Waive, you will not get the employer contribution To contribute to an HSA account, you cannot be enrolled in Medicare, Medicaid or Tricare. Employer Annual HSA Contributions Employee Only $500 Employee+1 or more Dependents $1000 IRS 2025 Maximum Contributions – includes both employee and employer contributions 2025 IRS Max Contributions IRS Age 55 “Catch-up” Employee $4,300 $1,000 Family $8,550 $1,000 If You Will Be Turning 65 Active employees turning 65 have the option to accept or decline enrollment in Medicare, including Medicare Part A. • Employees who accept enrollment in any part of Medicare are no longer eligible to make or receive contributions to an HSA. • If you elect Medicare at age 65, your maximum HSA contribution for the year you elect will be prorated by the number of months you were not enrolled in Medicare. • Employees who decline enrollment may continue to make and receive contributions to an HSA. • Qualified distributions remain tax free regardless of your eligibility to contribute. • Non-qualified distributions are taxable but no longer carry a 20% penalty after age 65. • Medicare Part(s) A, B, D and Medicare HMO premiums may be paid or reimbursed with tax-free HSA dollars. You cannot use your HSA to pay for Medigap premiums. Bank of America allows you to choose investment options once your account balance is over $1,000. This is comparable to how you can manage your 401k retirement savings today. Page 7 | Inotiv | Plan Year 2025 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Flexible Spending Accounts (FSA) Inotiv has chosen to sponsor Flexible Spending accounts, or “FSA’s” as part of your insurance benefits. An FSA is an IRS-approved method of paying for your ‘out-of-pocket’ expenses for health, dental, vision, qualified over-the-counter, and dependent care expenses with pre-tax dollars. You have three plan options for 2025: Healthcare Flexible Spending Account: If Limited Purpose Flexible Spending Account: Also, you enroll in the Traditional Plan, you may an FSA but is limited to paying for qualified dental and elect this plan. vision care costs only. Only HSA enrollees may elect this FSA plan. Annual Maximum Benefit $3,300 Annual Maximum Benefit $3,300 FSA Debit Card Included FSA Debit Card Included Carryover None Carryover None FSA Reminders: Dependent Care Expense Account: Available to all • FSA dollars remaining in your healthcare, employees regardless of other benefit plan limited purpose and dependent care account elections. at the end of the plan year are forfeited. • Claims must be submitted to the plan in a timely manner or FSA dollars will be forfeited. Annual Maximum Benefit • If you separate from the company, you have 90 days from separation to file for Married, filing jointly $5,000 reimbursement. Bank of America is your FSA administrator. Single, or married filing separate $2,500 You have 24/7 access to your flexible sending A Dependent Care FSA (DCFSA) is a pre-tax benefit accounts. account used to pay for eligible dependent care services, such as preschool, summer day camp, before or after school programs, and child or adult daycare. It's a smart, simple way to save money while taking care of your loved ones so that you can continue to work. Page 8 | Inotiv | Plan Year 2025 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Dental & Vision Benefit Summary Delta Dental VSP Vision Standard Premier VSP Choice Network Low Plan High Plan Annual Deductible Routine Eye Exam - (once every 12 months) Individual $25 $25 $10 copay Family $75 $75 Annual Plan Maximum $1,500 $2,000 Materials - (once every 24 months) $25 Copay Orthodontia Lifetime N/A $1,500 $150-$200 allowance then 20% off any remaining balance Maximum Standard Plastic Lenses - (once every 12 months) Plan Coinsurance Levels Single vision (1 pair) $25 copay Preventive 100% 100% Bifocal lenses (1 pair) $25 copay Basic Services 50% 80% Trifocal lenses (1 pair) $25 copay Major Services 25% 50% Contact Lenses - (once every 12 months in lieu of glasses) Orthodontia (Child N/A 50% Elective $150 allowance or Adult) Non-Elective Covered in full Lens Enhancements (Progressive, Anti-Glare, Scratch Provider Directory: www.deltadentalin.com Resistant) $0 Provider Directory: www.VSP.com Delta Dental has three levels of benefit Members can visit vsp.com to find VSP in- coverage available; you can choose from any network doctor, discover special offers and of these networks. savings, and find the eye care and eyewear information they need. PPO Coverage - Offers significant discounts; When members create an account on vsp.com, no balance billing; acceptance of processing they can: policies; and 108,000 dentist locations. • View personalized benefit information . Premier Coverage - Negotiated fees; no • Print a member ID card, if they prefer to have balance billing; acceptance of processing one. policies; and 186,000 dentist locations. • Customize their email preferences. Utilize the Premier Program to maximize your Non-Participating Coverage - Balance billing savings. and does not offer discounts. Page 9 | Inotiv | Plan Year 2025 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Basic and Voluntary Life & AD&D Basic Life and AD&D Voluntary Life and AD&D Eligible Employees All Full-Time Employee Benefit: Employees Increments $10,000 Employee Benefit 1x Annual Salary Max Benefit Lesser of 5x Salary or Min Benefit $50,000 $500,000 Employee can add or increase up to $10,000 Max Benefit $250,000 without evidence of insurability (EOI). Reduction Schedule Age 70 – 65% Spousal Benefit: Age 75 – 50% Increments $5,000 A life insurance policy is a contract with an insurance Lesser of 100% of company. In exchange for premium payments, the Max Benefit Employee Benefit or insurance company provides a lump-sum payment, $250,000 known as a death benefit, to your beneficiary. This is a New enrollments in the plans or increases in good time to review and update your beneficiaries. benefit amount for spouse/dependent, will require EOI application. Child Benefit: (One premium charge $10,000 covers all children) Rates are age based and will display in the enrollment system as you view coverage levels. Page 10 | Inotiv | Plan Year 2025 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Cigna EAP FOR EMPLOYEES & FAMILIES How can CIGNA EAP help? Cigna’s EAP can connect you with a range of services, including emotional support, financial Marriage assistance, home/life support, and legal assistance.1 • Connect over the phone or through live chat and receive a referral to licensed Divorce or clinicians and consultants. Separation • Provides up to three sessions to connect with licensed clinicians in our EAP network per person, per issue, per Grief year. • Meet with counselors virtually on your phone, tablet or home computer. • Live, on-demand EAP webcasts. • 100%confidential. Stress • Available to anyone in your household. • No additional cost to you. 1. Employee assistance program services are in addition to, not Financial instead of, your health plan benefits. These services are Worries separate from your health plan benefits and do not provide reimbursement for financial losses. Customers are required to pay the entire discounted charge for any discounted legal and/or financial services. Legal consultations related to employment matters are excluded. Additional restrictions may Alcohol/Drug apply. Program availability may vary by plan type and location Problems andare not available where prohibited bylaw. Child/Adolescent (877) 622-4327 Issues Communication Problems Page 11 | Inotiv | Plan Year 2025 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Petinsurance fromNationwide® Fetch the best health coverage for your pet through your voluntary benefits package. With two budget-friendly plans plus a $500 wellness benefit option, there’s never been ¹ a better time to sign up for My Pet Protection®, available only through your workplace benefits program. Get cash back on eligible vet bills: Choose 50% or 70% reimbursement². Easy to use: Base plans have a $250 annual deductible and $7,500 in annual benefits. Just for employees: Preferred pricing offered only through yourcompany. Use any vet, anywhere: No networks, no pre-approvals. Did you know? Nationwide is the firstprovider with coverage plans for birds and exotic pets. How to use your pet Visit anyvet, Submit Get reimbursed for insuranceplan 1anywhere. 2Claim. 3eligible expenses. Visit: https://benefits.petinsurance.com/inotiv / Call:877-738-7874 1Starting on 9/1/23 new members can select the My Pet Protection® Wellness500 coverageoption, with the earliest effectivedateof 10/1/23and forward. Existing memberscan add My Pet Protection® Wellness500 duringtheirrespective renewal periodonly. 2 Someexclusionsmay apply.Certain coverages may be subject to pre-existing exclusion. See policy documentsfor a complete list of exclusions. Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record:DVM InsuranceAgency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual InsuranceCompany. ©2023 Nationwide. 23GRP9430 Page 12 | Inotiv | Plan Year 2025 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Legal Services, Critical Illness & Accident Insurance Legal Services Money Matters Home and Real Estate Vehicle and Driving 2 • Identity theft • Sale, purchase, or refinancing • Defense of traffic tickets • Negotiating with creditors of a primary or vacation home • License suspension due to DUI • Tax audit representation • Property tax assessment • Repossession • Financial planning workshops1 • Foreclosure Estate Planning Documents Civil Lawsuits Family and Personal • Simple or complex wills • Civil litigation defense • Adoption • Living wills • Small claims assistance • Prenuptial agreement • Revocable or irrevocable trusts • Pet liabilities • Personal property issues Elder Care Issues3 Additional Services • Medicare • Law Firm E-Panel® • Nursing home agreements • Self-help documents • Powers of attorney Critical Illness Insurance Accident Insurance Heart attack, Stroke, Major Accidental death, loss of Covered Conditions Organ Failure, Cancer, Covered Conditions limb, dislocations, Paralysis, Coma fractures, burns Benefit amounts range Benefit amounts range Employee Benefit Amounts from $10,000 to $40,000 in Employee Benefit Amounts from $100- $100,000 $10,000 increments depending on the accident Same as employee; cannot Benefit amounts range Spouse Benefit Amounts exceed 100% of the Spouse Benefit Amounts from $100- $100,000 employee amount. depending on the accident $5,000 to $20,000 in Benefit amounts range Child Benefit Amount increments of $5,000; Child Benefit Amount from $100- $50,000 cannot exceed 50% of depending on the accident employee amount Page 13 | Inotiv | Plan Year 2025 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Notes Date: Page 14 | Inotiv | Plan Year 2025 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Notes Date: Page 15 | Inotiv | Plan Year 2025 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Contact Information 01 Cigna Medical Important Contact www.myCigna.com Information: During Open Enrollment: (888) 806-5042 MDLIVE 24/7 Virtual Care (800) 726-3171 Please utilize the website resources for provider information, pharmacy information, and general claims information. 02 Delta Dental The Customer Service phone numbers can assist www.deltadentalin.com you with benefits and specific claims questions. (800) 524-0149 Additional education pieces 03 VSP Vision and resources are available. www.VSP.com Talk to your HR team for more (800) 877-7195 information. 04 Cigna EAP Inotiv Benefits Department Contacts www.mycigna.com (877) 622-4327 Email us at [email protected] or Employer ID: Inotiv Visit https://benefits.inotiv.com for 05 Nationwide Pet Insurance additional information PetsNationwide.com 877-738-7874 Enroll online: https://benefits.petinsurance.com/inotiv 06 Sun Life www.sunlife.com (800) 786-5433 Page 16 | Inotiv | Plan Year 2025 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.