Pre-65 Retirees: Benefit Guide 2025

BENEFIT GUIDE 2025 Pre-65 Retirees Prepared for: DePauw University Visit the Required Notices page to view federal and state mandated notices.

Table of Contents 3 Eligibility 4 Terms You Should Know 5 UMR Information 9 Medical/Rx Benefit Overview 10 Monthly Medical/Rx Premiums 11 Health Savings Account Information 13 Pharmacy Information 15 Dental & Vision Overview 16 Basic Life Insurance 17 DePauw Health & Wellness 19 Tuition Benefits 20 401(b) Retirement Savings Plan 21 Contact Information This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 2 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

Eligibility 2025 PLAN YEAR DETAILS Eligibility Eligibility for retirement and continuation of group health insurance coverage is determined by the employee’s age and years of continuous full-time employment with the University. Employees will be considered eligible when the criteria in one of the following options is met. There is no continuation of group health insurance if an employee was hired on or after January 1, 2013. Option A: Employees may continue group health insurance at the retiree rate if by the retirement date they • are at least age 55 years, and • have completed at least 15 years of continuous full-time employment, and • have a combination of age and years of continuous full-time employment that totals at least 80. Option B: (Available only for employees hired prior to July 1, 1996). Employees may continue group health insurance at the retiree rate if by the retirement date they • are at least age 62 years, and • have completed at least 15 years of continuous full-time employment. Dependent Eligibility Group health insurance may also be continued for eligible dependents insured at the time of retirement. Retirees may terminate group health insurance coverage for an eligible dependent at any time but may not add new dependents. This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 3 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

Terms You Should Know Limited Spousal Eligibility. If your spouse is employed and Embedded deductible plans. Under family coverage, an your spouse’s employer provides a medical plan for which embedded deductible plan means that each family member the employer pays at least 50% of “Employee Only” has an individual deductible in addition to the total family coverage, your spouse must enroll in that plan in order to deductible. Each individual's deductible is much lower than be eligible to enroll in any of the DePauw University Medical the total family deductible. When an individual meets their plans. respective out-of-pocket total, the insurer begins to pay for Deductible. The amount you pay for covered health care that person's covered medical services, regardless of expenses before your insurance starts to pay. For example, whether the family deductible has been fulfilled. with a $2,000 plan year deductible, you pay the first $2,000 • The benefit of embedded deductibles: in some cases, covered services. this double-layered deductible can actually enhance individuals' coverage, according to the Center for Health Coinsurance. The percentage of costs of a covered health Insurance Reform at Georgetown University. If an care service you pay (for example 20%), after you have paid individual family member incurs a significant amount of your plan year deductible. medical expenses, the individual will fulfill their deductible sooner because it is lower than the family Out-of-Pocket Maximum. The most you have to pay for deductible. This can save families thousands of dollars covered services in a plan year. After you spend this amount because the individual's insurance policy will begin to on deductibles, copayments, and coinsurance, your health cover benefits even if the family deductible isn't met. plan pays 100% of the costs of covered benefits. Non-embedded deductibles. Under a non-embedded Network Benefits (In-Network). In network providers deductible plan, also known as an aggregate deductible agree to accept the UMR’s approved amount for their plan, the total family deductible must be paid out-of-pocket services. You will see these savings listed as the “discounted before the insurer starts paying for healthcare services for amount” on your Explanation of Benefits statements. any individual member. • Non-embedded deductibles are not economical for Non-Network Benefits (Out-of-Network). Doctors or some families. For some families, such as married hospitals who are not in the network do not accept the couples without children, non-embedded deductible UMR’s approved amount. You will be responsible for paying plans can cause families to spend thousands of dollars the difference between the provider’s full charge and your in extra out-of-pocket expenses that otherwise would plan’s approved amount. This is called balance billing. have been covered had they purchased individual plans Preventive Care. Preventive care is the care you receive to with lower deductibles or embedded family plans. prevent illnesses or diseases. Providing these services at no Plan Compliance Notifications. Federal required Notices cost is based on the idea that getting preventive care, such including but not limited to the HIPAA Privacy and Security, as screenings and immunizations, can help you and your Certificate of Creditable Coverage for Medicare and Market family stay healthy. Services will be paid at 100% when you “Exchange” Notices. Health Care Reform Notices are use a participating provider. available online on the human resources internet site or via Consumer Driven Health Plan (CDHP). Refers to a type of paper, free of charge, upon request. Please contact human health insurance plan that allows employers and/or resources with questions. employees to utilize pretax money to help pay for medical expenses not covered by their health plan. These plans are often linked to health savings accounts (HSAs). This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 4 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

Your Medical Provider UMR – A UnitedHealthcare Company UnitedHealthcare Choice Plus Network Web Services - Services at your Fingertips • Register for web services at umr.com Just a Click Away – 24/7 Access • Benefit Plan Details • Deductible, Out-of-Pocket Accumulations • ID Cards • Paid Claims for you and your insured dependents • Medical PPO Network providers using the United Healthcare Choice Plus Network • Health and Wellness Tools including o Plan Cost Estimator o Healthy “U” Presentations o Health Education Library This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 5 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

UMR on the Go UnitedHealthcare Choice Plus Network Welcome to a smarter, simpler, faster way to manage your The UMR app has a smart, fresh look, healthcare benefits, simple navigation, and faster access to right from the palm of your healthcare benefits information. View your hand. your plan details on-demand – anytime, anywhere, • Access your digital ID card • Look up in-network health care providers • Keep up to date with information about your health account balances • See how much you’ve paid toward your deductible • Find out if there’s a copay for your upcoming appointment • View your recent medical and dental claims • Chat, call or message UMR’s member support team This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 6 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

24/7 Doctor Visits Via phone or mobile app Teladoc gives you round-the-clock access to U.S. board certified doctors, from home or on the go. Call or connect online or using the Teladoc mobile app for affordable medical care, when you need it. Visit Teladoc.com or call 1-800-Teladoc Get the care you need. Teladoc doctors can treat many medical conditions, including: cold & flu symptoms, allergies, pink eye, respiratory infections, sinus problems, skin problems, and more. With your consent, Teladoc is happy to provide information about your Teladoc visit to your primary care physician. This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 7 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

UMR Shop for Care The health cost estimator allows you to research treatment options and learn about the recommended care and estimated costs associated with your selected treatment option. You can even access quality and efficiency measurements for participating providers. Compare Quality & Cost Before You Go The next time you’re in the market for a new doctor or are wondering how much you’ll pay for a possible medical procedure, visit umr.com first. Your online services make it easy to look up UnitedHealthcare network providers and health care facilities and find cost estimates for different services – all in one place. Stay in-network With umr.com, you have anytime access to a searchable directory of UnitedHealthcare network providers in your area. Choosing a doctor or facility in the network ensures your benefits are paid at the highest level, so you can expect to pay less out of your own pocket. And when you go to a network provider for preventive services, there’s typically no cost to you. Check for quality The two blue hearts next to a doctor’s name tells you they are a Premium Care Provider who has been reviewed by UnitedHealthcare and meets quality standards for delivering cost-effective care. You may also see star ratings for customer satisfaction based on reviews from previous patients. Understand the costs Different providers may charge different amounts for the services they offer. Your search results will give you a range of Login to umr.com the average costs for preventive care or medical procedures in your area. And the individual provider listings show whose and select Find a costs are below, above, or meet the local average. If a provider or log in procedure typically includes multiple steps of treatment, you and look for the can review the total cost and your estimated out-of-pocket health cost cost for each step. Your estimated out-of-pocket costs are estimator shopping personalized to you, based on your own benefit plan’s deductible, annual out-of-pocket max, copay, coinsurance and cart icon to get how much you’ve paid toward your deductible. started. This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 8 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

2025 Medical/Rx Benefit Overview Medical & Prescription Drugs Insured by UMR/CVS Caremark Consumer Driven Health Plan 1 Consumer Driven Health Plan 2 Consumer Driven Health Plan 3 Network Benefits Non-Network Network Benefits Non-Network Network Benefits Non-Network Benefits Benefits Benefits Physician Office Visit 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible Specialist Office Visit 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible Deductible Embedded Non-Embedded Non-Embedded Single $3,500 $4,500 $2,500 $4,000 $2,000 $3,500 Family $7,000 $9,000 $5,000 $8,000 $4,000 $7,000 Coinsurance (your 20% 40% 20% 40% 20% 40% responsibility) Out-of-Pocket Embedded Embedded* Non-Embedded Maximum Single $4,500 $9,000 $4,000 $8,000 $3,500 $7,000 Family $9,000 $18,000 $8,000 $16,000 $7,000 $14,000 Preventive Care 100% Coverage 40% after Deductible 100% Coverage 40% after Deductible 100% Coverage 40% after Deductible Hospital Services 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible Out-Patient Services 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible Maternity Services 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible Emergency Room 20% after Deductible 20% after Deductible 20% after Deductible Services Urgent Care Centers 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible Mental & Nervous In-Patient 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible Out-Patient 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible Substance Abuse In-Patient 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible Out-Patient 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible 20% after Deductible 40% after Deductible Retail Prescription Drugs Generic 0% after Deductible 40% after Deductible 0% after Deductible 40% after Deductible 0% after Deductible 40% after Deductible Preferred 40% after Deductible 40% after Deductible 40% after Deductible 40% after Deductible 40% after Deductible 40% after Deductible Non-Preferred 50% after Deductible 40% after Deductible 50% after Deductible 40% after Deductible 50% after Deductible 40% after Deductible Mail Order Prescription Drugs Generic 0% after Deductible Not Covered 0% after Deductible Not Covered 0% after Deductible Not Covered Preferred 40% after Deductible Not Covered 40% after Deductible Not Covered 40% after Deductible Not Covered Non-Preferred 50% after Deductible Not Covered 50% after Deductible Not Covered 50% after Deductible Not Covered Lifetime Maximum Unlimited Unlimited Unlimited * No individual shall incur more than $7,500 of out-of-pocket expenses for covered services. Medical Administration by UMR: UMR has negotiated discounts with a large national network of doctors and hospitals named United Healthcare Choice Plus. You will enjoy the highest level of benefits and the greatest value if you choose to receive care through the Choice Plus Network of providers. While it is not required that you utilize the network, the services you obtain outside of the network will be billed at a greater cost to you. You may log onto www.umr.com for a listing of participating providers. This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 9 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

2025 Monthly Medical/Rx Premiums NOTE: EE Share = Premiums paid by Retiree ER Share = Premiums paid by DePauw CDHP 1 Hired Before 2005 Hired 2005 – 2012 Hired 1/1/2013+ EE Share $92.66 $858.91 Retiree Only ER Share $766.25 - Not Eligible Total $858.91 $858.91 EE Share $212.57 $1,803.75 Retiree + Spouse ER Share $1,591.18 - Not Eligible Total $1,803.75 $1,803.75 EE Share $198.57 $1,590.06 Retiree + Child/ren ER Share $1,391.49 - Not Eligible Total $1,590.06 $1,590.06 EE Share $328.56 $2,662.68 Retiree + Spouse & 1 Child ER Share $2,334.12 - Not Eligible Total $2,662.68 $2,662.68 EE Share $453.73 $2,662.68 Retiree + Spouse & >1 Child ER Share $2,208.95 - Not Eligible Total $2,662.68 $2,662.68 CDHP 2 Hired Before 2005 Hired 2005 – 2012 Hired 1/1/2013+ EE Share $103.47 $865.46 Retiree Only ER Share $761.99 - Not Eligible Total $865.46 $865.46 EE Share $235.28 $1,817.51 Retiree + Spouse ER Share $1,582.23 - Not Eligible Total $1,817.51 $1,817.51 EE Share $218.59 $1,602.18 Retiree + Child/ren ER Share $1,383.59 - Not Eligible Total $1,602.18 $1,602.18 EE Share $362.09 $2,683.00 Retiree + Spouse & 1 Child ER Share $2,320.91 - Not Eligible Total $2,683.00 $2,683.00 EE Share $487.25 $2,683.00 Retiree + Spouse & >1 Child ER Share $2,195.75 - Not Eligible Total $2,683.00 $2,683.00 CDHP 3 Hired Before 2005 Hired 2005 – 2012 Hired 1/1/2013+ EE Share $168.82 $898.34 Retiree Only ER Share $729.52 - Not Eligible Total $898.34 $898.34 EE Share $415.74 $1,886.54 Retiree + Spouse ER Share $1,470.80 - Not Eligible Total $1,886.54 $1,886.54 EE Share $363.35 $1,663.03 Retiree + Child/ren ER Share $1,299.68 - Not Eligible Total $1,663.03 $1,663.03 EE Share $618.96 $2,784.88 Retiree + Spouse & 1 Child ER Share $2,165.92 - Not Eligible Total $2,784.88 $2,784.88 EE Share $744.13 $2,784.88 Retiree + Spouse & >1 Child ER Share $2,040.75 - Not Eligible Total $2,784.88 $2,784.88 This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 10 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

Health Savings Account For a Qualified Consumer Driven Health Plan A Health Savings Account (HSA) is a consumer-oriented, tax-advantaged savings account that is always combined with a Consumer Driven Health Plan (CDHP). It is an interest-accruing account, similar to 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. 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 Annual HSA Base Contributions If you enroll in one of the three CDHP plans for January 1, 2025, DePauw will make a base contribution to your HSA based on the tier of coverage you are enrolled in. To qualify for an HSA, you must The amount of this contribution will be available mid January. meet the following requirements, DePauw University Annual HSA Base Contributions as defined by the IRS: • You must be covered under a Retiree Only $500 Consumer Driven Health Plan • You have no other health Retiree + 1 or more Dependents $1,000 coverage except what is permitted by the IRS HSA Incentive Plan • You are not enrolled in Medicare You will have an opportunity to earn additional HSA contributions through the Our • You cannot be claimed as a Healthy Tiger incentive program. If you are covering your spouse, they will also have dependent on someone else’s the option of participating in the HSA incentive plan to earn contributions to your tax return. HSA. The maximum amount of incentive dollars you can earn each year is based on How Should You Manage Your your tier of coverage in the medical plan. HSA? Maximum HSA Incentive Contributions • Contributions can be made with Retiree Only $500 pre-tax money through payroll deductions, or contributions can Retiree + 1 or more Dependents $1,000 be made post-tax and then deducted from your income IRS 2025 Maximum Contributions when you file your income tax return. 2025 IRS Max Contributions IRS Post Age 55 “Catch-up” • Funds should be limited to qualified medical expenses; Single $4,300 $1,000 • Keep receipts documenting Family $8,550 $1,000 medical expenses; When to Stop Contributing to If You Will Be Turning 65 Your HSA? Active retirees turning 65 have the option to accept or decline enrollment in Medicare, including • When you are no longer Medicare Part A. enrolled in a qualified health • Retirees who accept enrollment in any part of Medicare are no longer eligible to make or plan; receive contributions to an HSA. • When you become eligible for • If you elect Medicare at age 65, your maximum HSA contribution for the year you elect will be Medicare and you plan to enroll, prorated by the number of months you were not enrolled in Medicare. you must stop your HSA • Retirees who decline enrollment may continue to make and receive contributions to an HSA. contribution 6 months prior to • Qualified distributions remain tax free regardless of your eligibility to contribute. your Medicare effective date. • 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. This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 11 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

Our Healthy Tigers HSA Rewards It’s easy to earn rewards by making healthy decisions. Our Healthy Tigers is a wellness program designed to incentivize you to prioritize your preventive care through earned employer HSA contributions. In addition to your annual base employer HSA contribution, you can earn up to an extra $500 (if enrolled in Retiree-Only coverage) or $1,000 (if enrolled in Retiree + Dependent(s) coverage) of contributions to your Health Savings Account! Retiree Spouse Retiree + Child(ren) DePauw Base Contribution $500 $500 $1,000 Annual Physical $150 $150 $300 Biometric Screening $150 $150 $300 Choose Any 4 Health Action $200 $200 $400 Activities Maximum Employer HSA $1,000 $1,000 $2,000 Contribution Health Action Activities (Pick Any 4) Learn More about Our • Dental Exam • Eye Exam Healthy Tigers • Colonoscopy • Pap Smear • Mammogram • Prostate Exam • Skin Check • Heart Scan Visit WellRight • Cancer Screening • Health Assessment • Diabetes • Mental Health Assessment • Move it – 7,000 daily • Healthy U – complete 5 steps for 90 days short (5-10 minute) courses This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 12 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

Pharmacy Management Options Prescription Management by CVS Caremark In 2025, CVS Caremark will continue as DePauw’s dedicated partner for pharmacy management. The Caremark network includes most retail chain pharmacies, such as Walgreens, CVS, Walmart and most supermarket pharmacy chains. Some independent pharmacies are included as well. Using your medical ID card, you may visit the online portal (caremark.com) or download the mobile app to:  Find a network pharmacy to keep medications cost as low as possible  See if a medication is covered to get the most affordable option  Compare drug costs to see where you can save HDHP Preventive Drug List Even if you haven’t met your deductible, these medications bypass your deductible and are covered from day one of the plan year: Certain medications, supplements or products to:  Manage certain health conditions, like high blood pressure, diabetes or high cholesterol  Help you quit smoking or stop using tobacco  Prepare for certain health screenings in adults Contraceptives for women; Vaccines and immunizations to prevent certain illnesses in infants, children and adults You may register on the Caremark portal after your benefit begins using your medical ID card to find the full preventive list and much more at www.caremark.com. Caremark Mail-Order Benefit Why get your Rx delivered by mail? With delivery, you have one less thing to worry about. Your 90-day supplies will arrive at your door from CVS Caremark® Mail Service Pharmacy. Filling your Rx in 90-day supplies usually comes with savings. Plus, there’s no extra cost for shipping. Contactless delivery keeps you and your loved ones safe. And our secure, nondescript packaging protects your privacy. Start Rx Delivery by Mail at Caremark.com/RxDelivery (after your benefits begin). This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 13 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

Pharmacy Cost Comparison Tools Did you know prescription drug costs vary from pharmacy to pharmacy? Your insurance carrier provides discounts for prescriptions when you use your ID card at the time of the fill. However, vendors exist that may provide greater or additional discounts. Review the tools below to shop and compare the next time you need to fill a medication. GoodRx www.goodrx.com RX Help Centers GoodRx has both a website and a mobile www.RXHelpCenters.com app that can be used to compare prices. RX Help Centers provides assistance in Go to the website and type in your drug finding resources for high-cost brand name. GoodRx will display the cost name medications by advocating directly available at multiple pharmacies. Show with drug manufacturers. Visit their the coupon to your pharmacist. You do website or call 866-478-9593. not need to register, and you don’t need an ID card. Rx Tools Mark Cuban’s When to Use Coupons CostPlus Drug Company In this video, our in-house Pharmacist walks you costplusdrugs.com through why medications are less expensive The goal of the Mark Cuban Cost Plus Drug through these services. He also compares if it Company is to dramatically reduce the cost of might be better to save using coupons, or if drugs like Albendazole, but we also think that it you’ll save more in the long run chipping away is just as important to introduce transparency at your deductible to meet your out-of-pocket to the pricing of drugs so patients know they max earlier in the year. are getting a fair price. Watch the video to the Watch online at lhdbenefits.com/rx-education/ left to understand when it’s right for you to use this service. This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 14 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

Dental & Vision Benefit Summary Annual Deductible In-Network Out-Of- Individual $50 Network Family $150 Routine Eye Exam - (once every 12 months) Annual Plan Maximum $1,250 $10 copay $42 allowance Orthodontia Lifetime $1,000 Frames - (once every 24 months) Maximum Plan Coinsurance Levels $130 $45 allowance Preventive Services 100% allowance Basic Services 80% then 20% off Major Services 50% any remaining Orthodontia 50% balance Provider Directory: www.deltadentalin.com Standard Plastic Lenses - (once every 12 months) Single vision (1 pair) $10 copay $40 allowance Bifocal lenses (1 pair) $10 copay $60 allowance Trifocal lenses (1 pair) $10 copay $80 allowance Retiree Monthly Premiums Retiree DePauw Contact Lenses - (once every 12 months in lieu of Retiree Only $16.57 $17.25 glasses) Retiree + Spouse $32.32 $29.97 Elective/ $130 $105 Non-Elective allowance/ allowance/ Retiree + Child(ren) $44.09 $36.30 Covered in $210 full allowance Family $64.02 $59.22 https://www.anthem.com/find-care/ Provider Directory: Allowances must be used on transaction Delta Dental offers three levels of benefit coverage: Retiree Monthly Premiums PPO Dentist, Premier Dentist and Non-Participating Retiree Only $6.08 Dentist. Review summary of benefits for more details. PPO Coverage - Offers significant discounts; no Retiree + Spouse $10.66 balance billing; acceptance of processing policies; Retiree + Child(ren) $11.57 and 108,000 dentist locations Family $17.67 Premier Coverage - Negotiated fees; no balance billing; acceptance of processing policies; and Anthem Blue Cross and Blue Shield vision members 186,000 dentist locations have access to one of the nation’s largest vision Non-Participating Coverage - Balance billing and network. Blue View Vision is the only network that gives does not offer discounts you the ability to use in-network benefits at 1-800- CONTACTS, or choose a private eye doctor, or go to retail vendors such as LensCrafters®, Sears Optical, Target Optical®, and most Pearle Vision locations. This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 15 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

Basic Life Insurance Benefits For Retirees A life insurance policy is a contract with Basic Life Class 1 an insurance company. In exchange for Retired prior to 7/1/1987 premium payments, the insurance Volume: $9,000 company provides a lump-sum payment, 100% DePauw Paid known as a death benefit, to Notice must be given to Sun Life within 30 days of death beneficiaries upon the insured's death. Proof must be given to Sun Life within 90 days of death A life insurance policy is a contract with Basic Life Class 2 an insurance company. In exchange for Retired on or after 7/1/1987 premium payments, the insurance Volume: $3,500 company provides a lump-sum payment, 100% DePauw Paid known as a death benefit, to Notice must be given to Sun Life within 30 days of death beneficiaries upon the insured's death. Proof must be given to Sun Life within 90 days of death This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 16 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

Added Slide / Layouts DePauw Health Enter your subhead line here Powered by Hendricks Regional Health DePauw Health has a comprehensive wellness program that focuses on the physical, emotional and spiritual health of our faculty and staff. We want our employees to lead balanced lives and commit to developing lifelong habits of wellness. The campus Wellness Center is available to all faculty and staff participating on the DePauw University Health Plan, as well as their dependents. The wellness center is located on the second floor of The Lilly Center. 01 Schedule a Wellness Appointment Call the DePauw Health Wellness Center at (765) 658-4555 to make an appointment. HEALTH SERVICES 02 Wellness Center Hours DePauw Health at DePauw University supports the Monday – 8 a.m. to 12 p.m. academic success, physical health and mental well-being of Tuesday – 1 p.m. to 5 p.m. faculty and staff by providing the highest quality offerings Wednesday – 8 a.m. to 12 p.m. in a timely and confidential manner. All faculty, staff and Thursday – 1 p.m. to 5 p.m. their dependents covered under the DePauw University Friday – 12 p.m. to 4 p.m. health plan are eligible to use the Center’s medical services. There is no fee for most services provided in the wellness center as they are covered through health insurance www.DePauwHealth.org premium contributions. Services include: • Clinic visits – annual physicals, musculoskeletal visits, sick visits, and wellness coaching. • Chronic disease management – support from clinical staff to better manage conditions such as diabetes, high cholesterol, asthma and others. Schedule a Wellness Coaching • Health risk assessments – helps identify targeted 03 Session concerns and preventive health goals. Please call (317) 718-8160 to schedule a • Referrals and care navigation – support in the personalized wellness coaching coordination of specialty referrals when needed, as well appointment with a certified Wellness as the management of follow-up care. Nurse. • Home Delivery & On-site pharmacy services – features a formulary of the most commonly utilized medications. • Lab draws – conveniently available on-site with rapid results turnaround. This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 17 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

Wellness Benefits • Annual flu shot clinics • Wellness education and awareness opportunities • Free Wellness coaching sessions • Free use of The Lilly Center Other Benefits • Welch Fitness Center and wellness classes • Indoor Tennis and Track Center • University Libraries • Peeler art galleries • Green Center for the Performing Arts events and programs • Ubben lecture and lecture series • Free athletic events • Bookstore and Starbucks (Greencastle) discounts • Free parking • Nature park, including walking and biking trails • Personal duplicating and printing discounts • Tuition benefit and exchange • Discounted tickets to various local attractions (i.e., Indianapolis Zoo) Annual Required Notices • Visit the Required Notices page to view federal, state mandated notices.

Tuition Benefits Tuition Waiver, Tuition Remission and Tuition Exchange The University provides several avenues for covering tuition costs for employees, retirees, their spouses and especially their dependent children. Detailed information can be found in the Employee Handbook. A retiree is eligible for Tuition Waiver with course credit or may audit Retirees a course for no course credit regardless of the degree(s) held. If you would like to submit an application for tuition waiver, use this formand submit to the Human Resources office. Spouse and For eligible spouses and dependent children. Spouses should Dependents complete the tuition remission application using this form. The form Enrollment at for dependent children to apply for tuition remission at DePauw is DePauw found here. Enrollment at a Dependent children are also eligible for tuition remission benefits at Member Institution the member institutions of the Great Lakes Colleges of the GLCA Association. Visit the GLCA site for more information about the Tuition Remission Exchange. Use the application form and print and return to the DePauw Human Resources office. Dependents Dependent children of a full-time benefit eligible employee who has Enrollment at met the two-year continuous employment requirement is considered qualified for the Tuition Exchange program. Information Tuition Exchange on the Tuition Exchange, including the application form for the School consideration for a scholarship, can be found at its website at http://www.tuitionexchange.org/ This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 19 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

403(b) Retirement Savings Plan TIAA 403(B) RETIREMENT SAVINGS PLAN Depending on your participation during your active DePauw employment, you may still be eligible to participate in DePauw-sponsored 403(b) retirement plan. Retirees are not eligible to continue receiving DePauw contributions to your 403(b) retirement savings plan, but depending on your age and eligibility you may be eligible to continue making your own contributions. Use the links below to get in touch with a dedicated TIAA representative. Managing Your 403(b) account • TIAA Login or call 800-732-8353 • Click here to schedule an appointment • How to start, stop or change your 403(b) Contribution • How to update your TIAA beneficiary information CapTrust - DePauw University has selected the CapTrust (formerly Cammack Retirement) Team to provide investment advisory, consulting and compliance services for the DePauw University Retirement Savings Plan. This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 20 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

Contact Information Important Contact 01 Medical Information: www.umr.com (800) 207-3172 Please utilize the website resources for provider information, pharmacy information, and general 02 Rx claims information. www.caremark.com The Customer Service phone numbers can assist (866) 425-9807 you with benefits and specific claims questions. 03 Health Savings Account http://myaccounts.hsabank.com (800) 357-6246 04 Dental Additional education pieces and www.deltadentalin.com resources are available. Talk to your (800) 524-0149 HR team for more information. 05 Vision www.anthem.com (866) 723-0515 06 Life Insurance www.sunlifeconnect.com (800) SUN-LIFE This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 21 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

Notes Date: This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 22 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

Notes Date: This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 23 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.

Notes Date: This benefit guide only highlights the benefits available. For a more complete description, see the Plan Certificate. 24 If any conflict should arise between this summary and the Plan, the Plan's Certificate will govern in all cases.