BB&N 2023 -2024 Employee Benefits Guide

Buckingham Browne & Nichols 2023 -2024 Employee Benefits Guide June 1, 2022 – May 31, 2023

CONTENTS Welcome _____________________________ 3 Eligibility _____________________________ 3 Medical Waiver _____________________________ 3 Cost of your Benefits _____________________________ 4 Medical – BCBS HMO _____________________________ 5 Medical – BCBS HDP _____________________________ 6 Using your medical plan _____________________________ 7 Your ID cards _____________________________ 7 BCBS member extras _____________________________ 7 RSI EOB _____________________________ 8 1.800MD _____________________________ 9 Your Rx Saver _____________________________ 9 TouchCare _____________________________ 10 Dental _____________________________ 11 Vision _____________________________ 11 Life and AD&D _____________________________ 12 Long-Term Disability _____________________________ 12 Retirement Plan _____________________________ 13 Flexible Spending Accounts _____________________________ 14-16 Perks _____________________________ 17 Child Care Benefit Options _____________________________ 18 BenefitHub _____________________________ 19 Contacts _____________________________ 20 - 2 -

WELCOME Welcome to your 2023-2024 Benefits Plan Year! We will continue working with EBS (Employee Benefit Solutions), Reimbursement Specialists, Inc. (RSI) and TouchCare. EBS is a full-service broker that helps BB&N design your benefit plans and advises us in the areas of compliance, HR technology, wellness, and communications. RSI is the medical plan administrator who is available to assist you with any day-to-day questions or issues you may have around your medical plan. TouchCare is our health care concierge service that knows our benefits, will help you solve claims issues, and answer all types of benefits questions. You can contact RSI at 1-855-493-9859 or [email protected] and TouchCare at 1-866-486-8242 or [email protected]. ELIGIBILITY All BB&N employees who are regularly scheduled to work at least 1,040 hours per year are eligible to participate in The BB&N 2023 (June 1, 2023 - May 31, 2024) Employee Benefits Program. Enrollment is permitted on the date of hire; annually during open enrollment; and/or within 30 days of a qualifying event such as the birth of a child or loss of spousal coverage. Medical Waiver As of June 1, 2023, BB&N is discontinuing the BB&N Medical plan opt-out program for new employees and for current employees newly waiving the medical plan. Any employees currently receiving the buy-out benefit may continue to receive the opt-out benefit until they decide to utilize BB&N's medical plan or lose their eligibility for BB&N’s medical plan. Note that employees are only eligible for the opt-out benefit if they are not on BB&N's medical plan as either the primary subscriber or as a participant or have not been on the plan for the full year. The amount for the medical plan opt-out is $1,500 and will be paid at the end of the academic year. - 3 -

COST OF YOUR BENEFITS BB&N employees may continue to choose between two medical insurance plans. The first is Blue Cross Blue Shield HMO NE (BCBS HMO) The second is Blue Cross Blue Shield HMO NE High Deductible Plan (BCBS HDP). The descriptions of these plans will follow, and below is the cost per pay period. - 4 -

MEDICAL PLAN – BCBS HMO The Health Plan integrates a fully insured component from Blue Cross Blue Shield (BCBS) of Massachusetts with a self-funded component underwritten by your employer, into a single benefit package. Your BCBS plan has an in-network plan deductible of $4,500 per individual/$9,000 per family. You are responsible for only the first $500 per individual/$1,000 per family. BB&N, via RSI, pays the remaining $4,000/$8,000 deductible on your behalf, plus applicable co-pays that apply after the deductible. Below are some examples of frequently used in-network services and your final cost after claims have been processed by both BCBS and RSI. Complete plan details can be found in your Summary of Benefits and Coverage (SBC). Covered Services (In-Network) Your Cost In-Network Routine adult physical exams, including relating tests (one per calendar No cost year) Routine GYN exams, including related tests (one per calendar year) No cost Well-child care visits No cost Routine eye exams (one every 24 months) No cost Routine hearing aids (up to $2,000 per ear every 36 months for a member No cost age 21 and younger) Non-routine office visits *Deductible Specialist visits, other practitioner office visits *Deductible Chiropractors’ office visits *Deductible Short-term rehab therapy (60 visits per calendar year) *Deductible Speech, hearing, and language disorder treatment—speech therapy *Deductible Mental health and substance abuse outpatient visits *Deductible Emergency room visits (co-pay waived if admitted) *Deductible Inpatient hospital services *Deductible Day surgery in hospital, ambulatory or surgical day care facility *Deductible Diagnostic lab work, X-rays (non-routine) *Deductible Complex imaging (MRI/CT/PET/Cardiac Imaging) *Deductible Durable medical equipment *Deductible Prescription drugs (retail) *$0 (with RSI Card) Prescription drugs (mail order) *$0 (with RSI Card) * Represents services that are supplemented by BB&N, via RSI - 5 -

MEDICAL PLAN – BCBS HDP The Health Plan integrates a fully insured component from Blue Cross Blue Shield (BCBS) of Massachusetts with a self-funded component underwritten by your employer, into a single benefit package. Your BCBS plan has an in-network plan deductible of $4,500 per individual/$9,000 per family. You are responsible for only the first $750 per individual/$1,500 per family. BB&N, via RSI, pays the remaining $3,750/$7,500 deductible on your behalf, plus applicable co-pays that apply after the deductible. Below are some examples of frequently used in-network services and your final cost after claims have been processed by both BCBS and RSI. Complete plan details can be found in your Summary of Benefits and Coverage (SBC). Covered Services (In-Network) Your Cost In-Network Routine adult physical exams, including relating tests (one per calendar No cost year) Routine GYN exams, including related tests (one per calendar year) No cost Well-child care visits No cost Routine eye exams (one every 24 months) No cost Routine hearing aids (up to $2,000 per ear every 36 months for a member No cost age 21 and younger) Non-routine office visits *Deductible Specialist visits, other practitioner office visits *Deductible Chiropractors’ office visits *Deductible Short-term rehab therapy (60 visits per calendar year) *Deductible Speech, hearing, and language disorder treatment—speech therapy *Deductible Mental health and substance abuse outpatient visits *Deductible Emergency room visits (co-pay waived if admitted) *Deductible Inpatient hospital services *Deductible Day surgery in hospital, ambulatory or surgical day care facility *Deductible Diagnostic lab work, X-rays (non-routine) *Deductible Complex imaging (MRI/CT/PET/Cardiac Imaging) *Deductible Durable medical equipment *Deductible Prescription drugs (retail) *$0 (with RSI Card) Prescription drugs (mail order) *$0 (with RSI Card) * Represents services that are supplemented by BB&N, via RSI - 6 -

USING YOUR MEDICAL PLAN 1 You and/or your family visit a provider (doctor, hospital, ER, etc.) - Show your BCBS ID Card - You pay nothing at the time of the visit 2 Your Doctor or Provider will bill BCBS directly 3 BCBS will - Process your claim Your Family - Notify/pay the provider - Send a Summary of Health Plan Payments to you and your provider. The Summary is not a bill and should be saved for your records! RSI Your Doctor - Sends a weekly report to RSI on your claim or Provider 4 RSI will: - Issue payment to your provider directly for the BB&N plan’s share of the deductible and select copays Your Insurance - Notify you via RSI’s EOB of what BB&N has paid on your Carrier behalf - Let you know what portion of the bill you are responsible for paying as outlined in your RSI EOB. You pay the provider directly. YOUR ID CARDS Blue Cross Blue Shield Blue Cross Blue Shield RSI RSI MEDICAL DENTAL MEDICAL PAYER CARD DEBIT CARD This is your primary health This is your dental insurance This is your medical This is your debit card to pay insurance card. Please show card. Please show this card to supplemental payer card. This for all approved BCBS Rx this card to all medical your dental provider at the card is for your personal medications and all qualified providers at the time of time of service. reference only and has no FSA and DCA expenses. service, including pharmacists. commercial value. BCBS MEMBER EXTRAS Your BCBS E-kit provides your with more in-depth information about your medical plan, including the various perks and resources. Access your BCBS e-kit by clicking here. Your e-kit includes information on: - Mail-order pharmacy - 24/7 nurse hotline - Emergency room alternatives - Fitness and weight loss programs - aHealthyMe wellness program - MyBlue Member App - 7 -

YOUR RSI EXPLANATION OF BENEFITS When you receive your RSI Explanation of Benefits (EOB), make sure it matches the bill sent from the provider before you pay anything. Remember: IF IT’S RED, READ IT! RSI’s Explanation of Benefits (EOB) educates you of your final plan liabilities as well as: 1 Patient name 2 Date of service 3 How much is owed 4 3 How much was paid 5 The provider from whom you will receive a bill 6 Where you are in your deductible to date - 8 -

1.800MD 1.800MD provides you and your family access to board certified physicians around the clock (24/7/365) via telephone or secure video. 1.800MD physicians can give advice, diagnose or treat illness, and even prescribe medication right over the phone. Best of all, there is no cost to you or your family for this service. No Co-payment & No Deductible. Activate your account online, or by calling member services. Once Common conditions treated 1 activated you will need to setup your member profile and Allergies Gastroenteritis complete your electronic health record. Arthritic Pain Headaches Bronchitis Insect bites Cold/flu Strains/sprains 2 Login to your account online or call member services Conjunctivitis Sinus infections at 1-800-530-8666 to request a consultation anytime Diarrhea Upset stomach 24/7. Ear Infections UTI 3 Receive diagnosis and treatment, giving you quality 1-800-530-8666 care and peace of mind wherever you are. www.1800MD.com YOUR RX SAVER Your Rx Saver is a copay and deductible offset program available to RSI members. Our prescription drug (Rx) savings program can help the BB&N plan save up to 80% off the price of prescription medications. Prescriptions available through Your Rx Saver may be less expensive than prescriptions available through your health insurance! The benefits offered from this program include: Drug Pricing Calculator – find your prescription at local pharmacies for the best price Prescription Assistance Programs – PAPs are created by pharmaceutical companies to provide free or discounted medicines to people who are unable to afford them Diagnosis Based Assistance Programs – DBAs offer help with costs associated with specific diagnosis and cover many types of expenses, such as durable medical equipment, in addition to drugs Coupons and Rebates – Coupons, rebates, savings cards, trial offers, and free samples Free/Low-Cost/Sliding Scale Clinics Rebates – Nearly 15,000 free or low-cost medical or dental clinics are included in this database to help people find affordable primary and preventive care in their area Retreats, Camps, and Recreational Programs and Scholarships – An extensive list of retreats, camps, and recreational programs and scholarships for people of all ages – and their loved ones – that are living with specific conditions Visit www.YourRxSaver.com and enter company code BBN to access savings! Using this program can help reduce BB&N medical plan costs and in turn future medical plan employee cost increases. Please direct questions to [email protected] - 9 -

TOUCHCARE TouchCare is a health care concierge focused on saving you and your dependents time, money and frustration. TouchCare is available to all BB&N employees and family members enrolled in the medical plans. The TouchCare Health Assistants can help you with anything you may need relating to your benefits and ensure that you have all the tools you need to get to the bottom of any issue. TouchCare will work on your behalf to: • Solve billing and claims concerns • Find and schedule quality doctors and specialists in your area • Provide accurate cost estimates for facilities and treatments close by • Answer any benefit related questions, simple or complex • Provide guidance on Open Enrollment decisions or mid-year benefit reviews • Assist with finding lowest cost Rx options • And more! The TouchCare Expert Health Assistants are available by phone, email, app and web portal. Please use whichever method you prefer. All interactions are confidential and only the Health Assistants will have access to your questions and information. TouchCare is open from 8:00 am until 9:00 pm, EST, Monday through Friday. Here is how you can reach the TouchCare team: Phone: 866-486-8242 E-mail: [email protected] Website: www.touchcare.com - 10 -

DENTAL PLAN Dental benefits will be remaining with Blue Cross Blue Shield of MA for the 2023 plan year. Below is a brief reference of frequently used in-network services and respective coverage levels. Refer to your carrier Plan Summary for complete plan details. BLUE CROSS BLUE SHIELD DENTAL BLUE FREEDOM Deductible (Individual/Family) $50/$150 Calendar Year Benefit Maximum $1,500 Preventive Services Covered 100% Deductible waived for preventive services Basic Services Covered 80% Major Restorative Services Covered 50% Orthodontia Services (No Deductible & does not count towards Calendar Year Maximum) Covered 100% $2,000 Lifetime Maximum per family member Accumulated maximum rollover: If your total claims don’t exceed $700 within your benefit period, then BCBS will rollover $500 into your Calendar Year Benefit Maximum for you to use next year and beyond. Your accumulated maximum rollover is capped at $1,250. VISION PLAN Vision benefits are provided by Blue 20/20 and available to all benefit eligible employees. This plan provides both in-network and out-of-network coverage. Below is a brief reference of frequently used in- network services and respective coverage levels. Refer to your carrier Plan Summary for complete plan details. BLUE CROSS BLUE SHIELD BLUE 20/20 Comprehensive eye exam (once every 12 $10 copay months) Contact lens fit & follow-up Up to $40 copay Frames (once every 24 months) $150 allowance, then 20% off balance Lenses (once every 12 months) $25 copay (single, bifocal, trifocal) Contact Lenses (once every 12 months) $150 allowance, then 15% off balance - 11 -

LIFE AND AD&D BB&N covers 100% of the premium costs of Life and Accidental Death and Dismemberment Insurance through MetLife. Employees are automatically enrolled in this coverage once they become eligible. Employees must choose a beneficiary upon eligibility. Additional employee Life insurance on an employee- paid basis is also available. LIFE AND AD&D Benefit 1x salary to $100,000 Benefit Reduction 67% at age 70 Participation Non-Voluntary LONG-TERM DISABILITY BB&N covers 100% of the premium costs of Long-Term Disability insurance through MetLife. Employees are automatically enrolled in this coverage once they become eligible. LONG-TERM DISABILITY Benefit 60% of your monthly salary up to $6,500 Elimination Period 90 days (benefits begin on day 91) Participation Non-Voluntary - 12 -

RETIREMENT PLAN BB&N sponsors a 403(b) Retirement Plan through TIAA. Participants select investments based on their goals and risk tolerance. Effective June 1, 2023 the Plan is available to all employees, even those who are not otherwise eligible for benefits. There are two classes of Participants. Full Participants are those employees in regularly scheduled positions with service requirements of at least 1,000 hours per year. Limited Participants are those with lesser schedules, such as those who are temporary, seasonal, or part-time. All Participants, regardless of Plan class, may save from their pay on a pre-tax basis up to IRS limits. Full Participants also receive BB&N contributions without a waiting period: 8% of base pay plus a 2% base pay match for those who save at least 2%. There are also two new rules that only apply to those who first start work on or after June 1, 2023. Any BB&N contributions are forfeited if employment terminates before 15 months of service. A minimum age requirement of 21 is also added for employer contributions, but not for voluntary savings contributions. Enrollment in this plan must be completed prior to making employee contributions or receiving employer matching contributions. The Plan document has more detailed provisions which will override any conflict with this brief description. 403(b) Maximum Annual Contribution $22,500 Catch-up Contribution (age 50+) An additional $7,500 annually Employer Match First 2%, plus 8% salary contribution

FLEXIBLE SPENDING ACCOUNTS HEALTHCARE & DEPENDENT CARE Using a Flexible Spending Account (FSA) is great way to stretch your benefit dollars. You use before-tax dollars in your FSA to reimburse yourself for eligible out-of-pocket medical and dependent care expenses. That means you can enjoy tax savings and increased take-home pay—all with the convenience of a prepaid benefits card. Plus, you can rollover your remaining balance up to $610 from one year to the next, reducing your risk of losing dollars at the end of the plan year. WHAT IS AN FSA? With an FSA, you elect to have your annual contribution deducted from your paycheck each pay period, in equal installments throughout the plan year, until you reach the yearly maximum you have specified. The amount of your pay that goes into an FSA will not count as taxable income, so you will have immediate tax savings. FSA dollars can be used during the plan year to pay for qualified expenses and services. - A Healthcare FSA allows reimbursement of qualifying out-of-pocket medical expenses. - A Dependent Care FSA allows reimbursement of dependent care expenses (such as daycare) incurred by eligible dependents. With all FSA account types, you’ll receive access to a secure, easy-to-use web portal where you can track your account balance, view your investment accounts and submit requests for reimbursements. In addition, you’ll receive a convenient prepaid benefits card to make it easy to pay for eligible services and products not covered by your health insurance. When you use the card, payments are automatically withdrawn from your account. Just swipe the card and go. It’s that easy! Save your receipts! Most expenses can be validated through the card transaction, but you may be prompted to provide a copy of the receipt for certain transactions in accordance to IRS regulations. When required, receipts can be easily sent uploaded to either the consumer portal online or, through the mobile app. It’s as simple as taking a picture of the receipt using the camera on your mobile device! WITH AN FSA YOU CAN: - Enjoy significant tax savings with pre-tax deductible contributions and tax-free reimbursements for qualified plan expenses - Quickly and easily access funds using the prepaid benefits card at point of sale, or request to have funds directly deposited to your bank account via online or mobile app - Reduce filing hassles and paperwork by using your prepaid benefits card - Enjoy secure access to accounts using a convenient Consumer Portal available 24/7/365 - Manage your FSA “on the go” with an easy-to-use mobile app - File claims easily online (when required) and let the system determine approval based on eligibility and availability of funds - Stay up to date on balances and action required with automated email alert and convenient portal and mobile home page messages - Get one-click answers to benefits questions - Use it or Roll It Over. And now up to $550 of your unused healthcare Flexible Spending Account balance can be carried over into the next plan year instead of you “losing it” - making enrollment in an FSA much less risky. This gives you more flexibility to spend your FSA money when you need it. You can use it for necessary out-of-pocket healthcare expenses, rather than feeling pressured to engage in last minute and potentially unnecessary spending at the end of the year. - 14 -

FLEXIBLE SPENDING ACCOUNTS HEALTHCARE & DEPENDENT CARE HEALTHCARE FSA A Healthcare FSA could save you money if you or your dependents: HEALTHCARE FSA - Have out-of-pocket expenses like copays, coinsurance, or ANNUAL deductibles for health, prescription, dental, or vision plans CONTRIBUTION LIMIT - Have a health condition that requires the purchase of prescription medications on an ongoing basis - Wear glasses or contact lenses or are planning LASIK surgery $3,050 - Need orthodontia care, such as braces, or have dental expenses not covered by your insurance DEPENDENT CARE FSA DEPENDENT CARE FSA ANNUAL A Dependent Care FSA provides pre-tax reimbursement of out-of- CONTRIBUTION LIMIT pocket expenses related to dependent care. This benefit may make sense if you (and your spouse, if married) are working or in school, and: - Your dependent children under age 13 attend daycare, after-school $5,000 care, or summer day camp - You provide care for a person of any age whom you claim as a dependent on your federal income tax return and who is mentally or physically incapable of caring for himself or herself HOW TO FILE AN FSA CLAIM FOR HOW TO FILE AN FSA CLAIM FOR REIMBURSEMENT – MEMBER PORTAL REIMBURSEMENT – MOBILE APP 1 Login to your RSI Member Portal 1 Download the Reimbursement Specialists, Inc™ Mobile App, then setup your account and login. 2 Select “File A Claim” from the Home Page 2 Click on the account you’re submitting a receipt for (Healthcare or Dependent Care FSA) From the “Pay From” drop down menu, 3 select the plan you are using to pay for your 3 Click the plus sign button next to “New Claim” eligible expense From the “Pay To” drop down menu, select 4 Take a picture of your receipt, or upload a 4 the payee of the claim. If they payment is to photo of your receipt from your phone’s camera be reimbursed to you, select “Me” 5 Enter the details of your claim including date 5 Click ‘Add Claim’ under “Submit My Claim” of service, amount, provider 6 Agree to the terms and conditions of filing a claim and click “Submit” Following submission you will receive an email and/or text confirmation that the claim has been filed. RSI will then review your claim. Approved claims will be paid within 7-10 business days - 15 -

FLEXIBLE SPENDING ACCOUNTS Election Irrevocability Once you have elected the plan year dollar amount that you wish to direct into your FSA(s), you may not change that election unless there is a qualifying change in your status that affects eligibility. Even if a change in status occurs, you only may make changes that are consistent with the qualifying event (or as otherwise specified by your Plan Document). Qualifying events include a change in marital status, change in number of tax dependents, change in employment status that affects eligibility, dependent ceases to satisfy eligibility requirements, judgement dictating provision of coverage, entitlement to Medicare or Medicaid (healthcare only), change in cost of the benefit (dependent daycare only), or change in coverage (dependent daycare only). Termination of Employment Healthcare FSA: Unless you elect COBRA, your participation in the plan ends when you terminate employment. You no longer will be able to incur expenses for reimbursement. Your contributions also will cease; however, you will have a 90-day runout period to file claims for services incurred before your termination. Dependent Care FSA: If, upon termination of employment, you have not yet claimed 100% of the contributions made to your account, you have a 90-day runout period to submit claims incurred from the beginning of the plan up to your termination date. Any funds remaining in your account after the run-out period will be subject to the Use-It-or-Lose-It rule. COBRA: COBRA, if elected, allows you to continue to participate in your healthcare account and receive reimbursement for medical expenses incurred after the termination of your employment. COBRA does not apply to dependent daycare accounts. Under COBRA, you must elect coverage within 60 days of notification, and you must continue to submit contributions (now with after-tax dollars) to your employer. COBRA eligibility terminates at the end of the plan year in which your employment terminated. If you are terminated, you may elect COBRA if (and only if) the plan sponsor (your employer) is subject to COBRA, and you have contributed more into your healthcare account than you have received in healthcare benefits as of your termination date. - 16 -

PERKS Employee Assistance Program (EAP) The Lifeworks Employee Assistance Program (EAP) (888-319-7819 or metlifeeap.lifeworks.com, username: metlifeeap & password: eap) gives you and your loved ones completely free and entirely confidential access to the programs, tools, and services you need to live a balanced and happy life. Get 5 no-cost phone or online sessions per faculty/staff with EAP counselor (MetLife participants). Please call 844-319-7819 to schedule. MBTA Monthly Pass Program BB&N subsidizes the cost of MBTA or Commuter Rail passes if an employee does not drive and park at the school. If you have any questions regarding this benefit, please contact the Payroll Team. Be Better & Now Wellness Program In an effort to health and well-being among BB&N employees and their families, BB&N has a wellness site which includes a number of health and related fitness programs HERE. Bicycle Commuter Benefit The Bicycle Commuter Beneﬁt offers reimbursement for employees who regularly use a bicycle to travel to work, and who do not receive any other transportation or parking beneﬁts from BB&N. Bicycle commuters are eligible for reimbursement of up to $240/year for the costs associated with bicycle purchase, improvement, repair and storage. Reimbursement is paid through payroll and is a taxable beneﬁt. Special Reimbursements from BCBS Fitness Reimbursement Benefit* $150 per calendar year for health club with cardiovascular and strength-training equipment; or a fitness studio offering instructor-led group classes for certain cardiovascular and strength-training programs. Weight Loss Reimbursement Benefit* $150 per calendar year for hospital-based or non-hospital-based weight loss programs that focus on eating and physical activity habits and behavioral/lifestyle counseling with certified health professionals. Other Supports & Discounts - 24-Hour Nurse Care Line/Blue Care Line: - Blue 365 Discounts and Savings 1-888-247-BLUE (2583) (www.blue365deals.com ) - www.ahealthyme.com - Living Healthy Naturally Discounts - www.livinghealthybabies.com (www.ahealthyme.com) - Text4Baby text BABY to 511411 - Message Wire text bluecrossma to 73529 - 17 -

Child Care Benefit Options After School Programs: Discounts on BB&N After School Programs are available to beneﬁts-eligible employees. Contact the Director of Extended Year Services for more information. Summer Camp: Beneﬁts-eligible employees receive a 65% discount on BB&N summer camp programs. Contact the Director of Extended Year Services for more information. The Family Cooperative (TFC) is an independent early childhood education center located in Watertown, MA. The TFC mission is to "love and nurture a community of inspired teacher learners." BB&N employees will receive preferential enrollment at The Family Cooperative located in Watertown, MA. BB&N will offer a $150 discount per enrolled month (prorated for those children not at TFC 5 days) per child as a benefit. This will be a transitional benefit for the 23-24 school year and will be revisited for the 24-25 school year. Part time employees will receive a ratable benefit. For more information, including a description of TFC's mission and values, please , and send questions to see their website at thefamilycooperative.org, review this flyer [email protected] regarding enrollment. Address as of August 2023: 51 Kondazian Street | Watertown, MA - 18 -

BenefitHub

CONTACTS Medical, Dental & Blue Cross Blue Shield www.bcbsma.com 1-800-262-2583 Vision Participating Reimbursement Funding Specialists, Inc.™ www.rsiadmin.com 1-855-493-9859 Arrangement & FSA Telemedicine 1.800MD www.1800MD.com 1-800-530-8666 Healthcare TouchCare www.touchcare.com 1-866-486-8242 Concierge Life, AD&D & MetLife www.metlife.com 1-800-638-5433 Disability Retirement TIAA www.tiaa.org 1-800-842-2252 EAP Lifeworks www.metlifeeap.lifeworks.com 1-888-319-7819 The Family The Family Cooperative www.thefamilycooperative.org 1-617-800-2762 Cooperative Employee Discounts BenefitHub https://bbns.benefithub.com 1-866-664-4621 - 20 -