RIGHT-SIZE YOUR BENEFITS.

2017 BENEFITS ENROLLMENT GUIDE

Table of Contents

22017 BENEFITS ENROLLMENT GUIDE

Choose the Options that Fit Your Needs Between Oct. 13 and Nov. 4

When it comes to benefits, one size doesn’t fit all. That’s why The Hartford’s benefits program is designed to help you make the choices that support the way you live.

Because there are only a few changes to consider for 2017 it’s a great time to thoroughly review your health and financial needs and make sure your benefits are the right fit for them.

THESE STEPS CAN HELP:

1   Consider your life stage and lifestyle in choosing the benefits that best support your health and well-being, everyday budget and long-term financial plan. These examples can help you understand how to tailor your selections to your needs:

• Twenty-six year-old David is single and livingon his own for the first time. In addition to rent,he’s juggling student loans. So, he’s focused onminimizing his out-of-pocket costs.

• Nicole, a 44-year old mom of two wants to make sure her family is well protected within their tight budget.

• Fifty-four year-old Camilla and her husband havea little more financial freedom because their lastchild recently left home. But now they’re turningtheir focus to preparing for retirement.

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IT SpecialistFocused Expertise

David L.

IT SpecialistFocused Expertise

Nicole M.

Flawless Executer Gets it Done

Camilla P.

  STEPS TO PREPARE

32017 BENEFITS ENROLLMENT GUIDE

2   Get personalized help in making your choices. Is your current health plan option saving you the most money? What other ways can you boost your budget and protect your finances? Two resources can help you consider your options at no charge to you:

• ALEX®, the virtual benefits counselor – at netbenefits.com/thehartford is available during the enrollment period beginning Oct. 13.

• Ayco financial coaches – Call 1-866-217-8691, Monday through Friday, 9 a.m. to 5 p.m. ET. Evening appointments available Monday through Thursday until 8 p.m. ET. Or schedule an appointment online.

  Before you meet with ALEX or an Ayco coach, look up your 2016 health care expenses, and if you’re having surgery or a medical procedure next year, estimate your costs with these tools. Having this information on-hand will help you answer their questions.

3   Protect your money as well as your life. The Hartford offers Basic Life, Basic Accidental Death and Dismemberment (AD&D) and Long-Term Disability insurance to help safeguard your family’s finances. You can also purchase other insurance for additional protection, including Critical Illness, Accident, Optional Life, Optional AD&D and Optional Long-Term Disability coverages.

4   Factor in your well-being. In addition to improving your health and the way you feel, you can save on your health plan premiums by taking advantage of our well-being programs.

5   Enroll in your benefits between Oct. 13 and Nov. 4. When you’re ready, go to Fidelity NetBenefits® to elect your benefits (Print or save your confirmation statement when you’re finished!). Remember, if you do not take action during this Annual Enrollment period, you’ll automatically receive:

• Your current 2016 medical, dental and vision coverages. If you have a health savings account (HSA) in 2016, your election will automatically carry over for 2017. All employees enrolling in a consumer-directed health plan (CDHP) for 2017 should note these changes affecting HSA elections this enrollment period.

• Your current 2016 optional coverages, including Critical Illness, Accident, Life, Accidental Death and Dismemberment (AD&D) and Long-Term Disability (LTD).

• Basic Life and AD&D coverage – each equal to one times your annual pay up to $100,000 (unless you elected $50,000 to avoid imputed income. See page 22 for details).

• No participation in the following benefits (you must re-elect these each year):

  » Health Care Spending Account and Dependent Day Care Spending Account

  » Purchased Paid-Time-Off (PTO)

MEET ALEX, YOUR VIRTUAL BENEFITS COUNSELOR

In addition to offering guidance for your benefit elections, ALEX helps you understand how they work. Throughout this guide, look for tips, like this one:

DID YOU KNOW?

ALEX is available from any computer with an internet connection at netbenefits.com/thehartford. That means ALEX can offer guidance to both you and your family members about your coverages and tax-saving opportunities.

You can also learn more about the 2017 offerings from home on the Benefits Resource site at thehartford.com/mybenefitsresource.

  STEPS TO PREPARE

42017 BENEFITS ENROLLMENT GUIDE

Use These Resources to Tailor Your Decisions

To get the most out of your benefits, it’s important to know how they work. These resources can help.

RESOURCE HOW IT HELPS YOU HOW TO ACCESS

Benefits Resource Site

Access this site where you’ll find: • Detailed benefit descriptions• “How-to” guides• Examples, fact sheets, videos and tools• Programs to improve your physical,

emotional, financial and social health

From work: go to “Life & Career” on iConnect

From home: visit thehartford.com/mybenefitsresource

ALEX, Virtual Benefits Counselor

Interact with ALEX who will ask a few questions about you and your family and make recom-mendations for your medical, dental, vision, Life, Disability, Critical Illness and Accident coverages, based on your specific needs.

ALEX is available from any computer with an internet connection at netbenefits.com/thehartford, so both you and your family members can interact with him as you consider your options.

Ayco Financial Coaches

Receive one-on-one counseling to help as you make benefit decisions – at no cost to you.

Call 1-866-217-8691, Monday through Friday, 9 a.m. to 5 p.m. ET. Evening appointments available Monday through Thursday until 8 p.m. ET. Or schedule an appointment online.1

HR Service Center

Get answers to your benefits and enrollment questions.

Call 1-877-HR-AT-WORK (1-877-472-8967). Press “1” or say “Healthcare, 401(k) or Pension.”

Fidelity NetBenefits

Go here to enroll in your benefits. You can also access your health savings account (HSA) and Investment and Savings Plan (ISP)/401(k) account.

From work: go to “Life & Career” on iConnect

From home: visit netbenefits.com/thehartford

My Wellness At Work

Well-being program and health plan premium credit questions.

Call 1-855-651-2910 or review the Well-Being eBook. Also, register and log in at mywellnessmywork.com

1 To access Ayco from home or from the Benefits Resource site, you first need to register on the Aycofn® site from your work computer. After you access the site, click the “My Profile” icon in the top toolbar and select “Click Here” under “Website Access.”

Aycofn® is a trademark of The Ayco Company, L.P., a Goldman Sachs Company. This service is provided exclusively by The Ayco Company, L.P. Used with permission. The Ayco Company, L.P., (Ayco) is a subsidiary of The Goldman Sachs Group, Inc and an affiliate of Goldman, Sachs & Co., a worldwide, full-service investment banking, broker-dealer and asset management organization.

SIGN UP FOR TEXT ALERTS

You can get benefit updates and reminders – right on your cell phone by completing this form. If a family member or dependent helps with your benefit decisions, he or she can receive the alerts too.

NOTE: The dependent must be 18 or older.

Sign Up For Text Alerts About Your Benefits

Complete this form to receive timely text

reminders about your employee benefits on your

cellphone. You can also sign up a family member

who may help with your benefit decisions (he or

she must be age 18 or older).

Your First Name:

Your Last Name:

Your Work Email:

Your Cellphone Number:

After you submit this form, you’ll receive a text

message asking you to confirm your decision to

receive future texts. Note: standard message and

data rates apply, depending on your cellular plan.

Complete Your Registration

xxx-xxx-xxxx

  HELPING YOU CHOOSE

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52017 BENEFITS ENROLLMENT GUIDE

What’s Changing for 2017

Although most of our offerings will remain the same for 2017, a few benefit enhancements are being made to more effectively meet your needs.

BENEFIT CHANGE

Fidelity® Health Savings Account (HSA)

HSA AUTOMATICALLY ELECTED FOR STANDARD AND VALUE CONSUMER-DIRECTED HEALTH PLANS (CDHPS)

If you’re enrolling in the Standard or Value CDHP options, we’re making it easier for you to start using your health savings account (HSA), if you’re not already.

During the enrollment period, an HSA with an “Employer-Only” contribution will be automatically selected if you’re:

• Enrolling in the Standard or Value CDHPoptions for the first time; or

• Re-enrolling in either option and for 2016,you didn’t elect an HSA

With the automatic election, The Hartford will make a $400 (individual) or $800 (family) contribution to your HSA at the beginning of the year. If you’d like to contribute to your HSA too, you need to change the election to “Employer/Employee Contributions.”

If you’re not eligible for an HSA (e.g., because you’re claimed as a dependent on someone else’s tax return or you’re covered under another plan like Medicare, TRICARE or a spouse/domestic partner’s medical plan), you should elect “No Coverage Health Savings Account.” If you do so, neither you nor the company will be able to contribute to the account.

For All CDHP Options (Standard, Value and Basic):

• You need to open your account onNetBenefits to be able to access all of thefeatures of your HSA including a debit card,online bill pay and investment options.

• If you’ve taken the appropriate action toopen your HSA, you don’t need to re-openyour account on NetBenefits.

HSA Contribution Limits

To align with Internal Revenue Service (IRS) regulations, the HSA contribution limit is increasing from $3,350 to $3,400 for “participant-only” coverage on all CDHP options. Remember, The Hartford’s $400 “individual” contribution is factored into this limit. So, if you’re enrolling in either the Standard or Value CDHP option with “participant-only” coverage and you want to contribute up to the IRS limit, you need to change your contribution to $3,000 during the enrollment period.

NOTE: The family HSA contribution limit is not changing. To see all of the annual contribution limits, go to NetBenefits. From the top left menu bar, select “Health Savings Account” and then “Contributing and Investing.”

Health Plan Options

TAKE NOTE OF THESE COVERAGE CHANGES

As of Jan. 1, 2017, the following changes will go into effect for all of The Hartford’s health plan options:

• Naturopathic doctors will be eligibleproviders. Contact Anthem with anyquestions at 1-800-801-6308.

• The prescription drug benefit will followthe standard Preventive Drug List, whichoutlines certain drugs, supplements and

over-the-counter medications. These are covered at 100 percent when prescribed by a physician if you meet the requirements. To find out if your medication is covered, access the “Price a Medication” tool on express-scripts.com. After logging in, select “Manage Prescriptions.”

• It will be your provider’s responsibilityto work with Anthem to pre-certify any

in-network hospital stays and related expenses for you and your eligible dependents. You’ll continue to be responsible for pre-certifying all other types of in-network and out-of-network services, such as outpatient surgery and certain tests, procedures and medical services. For additional information, contact Anthem at 1-800-801-6308.

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  HELPING YOU CHOOSE

62017 BENEFITS ENROLLMENT GUIDE

BENEFIT CHANGE

Flexible Spending Accounts

• Health CareSpendingAccount

• Dependent Day CareSpendingAccount

These benefits allow you to pay for eligible health care, child care up to age 13 and elder care with money deducted from your paycheck before you pay taxes on it.

WAGEWORKS® BRINGS IMPROVED SERVICE

Starting in 2017, we’ll begin working with a new administrator, WageWorks, to deliver our Flexible Spending Accounts, including the Health Care Spending Account (HCSA) and Dependent Day Care Spending Account (DCSA). The benefits will remain the same, but the change will bring important service enhancements:

• An easy-to use-website at wageworks.com.If you choose an HCSA or DCSA during

the enrollment period, you can access your online account(s) as of Jan. 1, 2017. At that time, register and log in to the site at the address above, or access it directly from NetBenefits without having to enter a username and password (single sign-on is available).

• The EZ Receipts® mobile app, which putsthe power of the WageWorks website in thepalm of your hand. After you log in to your

account, check balances, submit claims, view transactions, snap photos of receipts and get account alerts by text or email – all on the go. You can even have yourdependent care provider sign receiptsusing your mobile device.

Prior to Jan. 1, 2017, current program participants will receive details about how to transition from the current administrator to WageWorks.

Commuter Benefits Program

This program allows you to use tax-free money to pay for public transit (including train, subway, bus, ferry and eligible vanpool) and qualified parking used as part of your daily commute to work.

WAGEWORKS MAKES COMMUTING EASIER

On Jan. 1, 2017, WageWorks also will begin administering our Commuter Benefits Program. The program itself will remain the same, but the change will bring more options to make commuting easier for employees across the country, including:

• Improved access. WageWorks coordinateswith parking providers and offers publictransit coverage options in all 50 statesand in more than 350 metropolitan areasnationwide.

• Convenient order, delivery and paymentoptions, which make it even easier to buytickets, vouchers and monthly passes forthe train, subway, bus or ferry and/or topay for vanpooling and parking as part ofyour commute to and from work. You canalso add, pause, change or cancel yourcontributions at any time.

After enrolling, you’ll receive a new debit card. You’ll also have access to WageWorks’ website (wageworks.com) and the

EZ Receipts mobile app, which offers on-the-go access to your account.

IMPORTANT: Between Nov. 11 and Dec. 10, 2016, order your commuter pass or debit card or set up parking payments for January 2017, at wageworks.com.

If you’re participating in the program this year, you’ll also receive an email explaining how to transition from the current administrator.

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  HELPING YOU CHOOSE

72017 BENEFITS ENROLLMENT GUIDE

BENEFIT CHANGE

Long-Term Disability (Company-provided and optional coverages)

ENHANCEMENTS OFFER GREATER PROTECTION

We’re making the following enhancements to our Long-Term Disability (LTD) insurance, which offers income replacement if you become unable to work due to an extended illness or injury:

• Increasing the maximum duration fordisability payments to the Social SecurityNormal Retirement Age. This meansemployees can receive benefits past age 65,depending on their birth year.

• Establishing a minimum benefit level thatequals $100 or 10 percent of the monthlydisability benefit (before any reduction),whichever amount is greater. This meansemployees eligible for LTD benefits areguaranteed a minimum amount, even ifthey have other income (e.g., from Workers’Compensation, Social Security, etc.) thatreduces the monthly disability benefit.

• Extending the amount of time an employeewill receive LTD benefits if unable to performtheir own occupation from 18 months to24 months. This enhancement extends theamount of time benefits will be paid toemployees who are unable to perform theirown duties but may be able to performanother occupation.

NOTE: The enhancements are available to employees who become unable to work due to a disability that occurs after Jan. 1, 2017.

Well-Being Programs

NEW WAYS TO EARN WELLNESS POINTS

Beginning on Oct. 1, 2016, you’ll have a few new ways to earn wellness points, and the number of points you can earn for certain activities will increase.

You’ll be able to earn points for connecting with your community and coworkers by

logging your volunteer hours or joining an Employee Resource Group (ERG). Also, the number of points you can earn for completing programs, like Sleepio, eMindful’s Stress Less, Live More® and Naturally Slim®, will increase.

Remember, if you earn at least 10 wellness

points during a calendar quarter, you’ll receive a $150 healthy lifestyle premium credit toward your health plan premiums the following quarter.*

Get more details.

Retiree Medical EXPANDED COVERAGE AT AGE 65

Beginning Jan. 1, 2017, employees who are at least 65 when they terminate active employment with The Hartford will have access to health coverage through the Aon Retiree Health Exchange. Also, in 2017, this exchange will be available to retirees and dependents who are currently enrolled in The Hartford’s Retiree CDHP upon turning age 65.

With more than 90 Medicare carriers nationally, this private exchange offers a wide range of individual plan choices at varying price levels to help meet the different needs of eligible individuals and their dependents.

More information will be provided to individuals as they become eligible.

  HELPING YOU CHOOSE

82017 BENEFITS ENROLLMENT GUIDE

BE ACTIVE.

EAT RIGHT.

STAY HEALTHY.

LIVE WELL.

October 1, 2016 - September 30, 2017

PARTICIPATE IN WELLNESS PROGRAMS AND ACTIVITIES

EARN AT LEAST 10 WELLNESS POINTS PER QUARTER AND COMPLETE THE ANNUAL HEALTH RISK ASSESSMENT

SAVE UP TO $150 PER QUARTER (OR $600 PER YEAR) ON YOUR HEALTH PREMIUMS!1

WELLNESSPOINTS

Benefit Two Ways: Be Well and Save On Health Plan Premiums

In addition to improving your health and the way you feel, participation in our well-being programs can help you save on your health plan premiums.

If you enroll in The Hartford’s health plan in 2017, you can earn up to $600 in credits toward your health premiums next year by participating in programs and activities to improve your well-being.1

When you participate, you’ll earn wellness points. If you earn at least 10 wellness points during a quarter, you’ll receive a $150 healthy lifestyle premium credit toward your health plan premiums the following quarter in 2017.

EASY WAY TO EARN Q1 2017 CREDIT

You can earn all 10 of the points needed for the first quarter 2017 $150 health plan premium credit in one easy step – complete a free company-sponsored health screening by Nov. 4. Based on the results of your screening, you couldalso earn up to an additional 15 wellness points toward future premium credits.

And, you can earn two more wellness points this fall by receiving a free flu shot at one of our onsite flu clinics or reporting a flu shot received outside of work on the wellness portal.

Learn other ways to earn wellness points by reviewing the Well-Being eBook.

SAVE MONEY FOR IMPROVING YOUR WELL-BEING

1 To be eligible to receive a health premium credit, you must be enrolled in The Hartford’s health plan. Plan members on long-term disability or COBRA and employees in Hawaii are not eligible for health premium credits. In addition, to receive health premium credits after Q1 2017, you must complete the health risk assessment.

Beginning Oct. 1, 2016, there

are a few new ways to earn

wellness points, and the

number of points you can

earn for certain activities will

increase. Get more details.

  HEALTH PLAN PREMIUM CREDITS

92017 BENEFITS ENROLLMENT GUIDE

Health Plan Options: Right-Size Your Benefits and Costs

The Hartford offers three consumer-directed health plan (CDHP) options, Value, Standard and Basic, which offer varying coverage amounts, so you can select the one that best suits your needs. Each option also gives you more control in managing your health care costs – and the ability to save long-term – with a health savings account (HSA).

NOTE: Employees who enrolled in the PPO for 2016 can choose to continue their coverage under this option next year. Or, they can switch to a CDHP.

Keep in mind, with all of The Hartford’s health plan options, in-network preventive care is covered at 100 percent for you and your dependents. Also, the amounts you pay out of your own pocket will be lower when you receive care from in-network doctors. To locate an in-network doctor, visit anthem.com and choose “Find a Doctor.”

A TAX-FREE WAY TO SAVE AND PAY

You can use your HSA to pay certain current – and future – health care expenses with money deducted from your paycheck before taxes are withheld.

The HSA offers these advantages:

• It never expires: Unused balances automaticallycarry over year to year, and the money is yourseven if you go to a new employer, retire or transferit to another HSA. This means you can build theaccount over time so you can use it down the line,including during retirement.

• There are “triple tax” savings:

» Money that goes into the account isn’t part ofyour taxable income under federal law, meaningyou pay less taxes overall.

» Your balance can grow with tax-free1 interest orinvestment earnings while it’s in your account.(NOTE: Investing involves risk – the value of yourinvestments may fluctuate over time, and you maygain or lose money.)

» You never have to pay federal taxes on themoney you use from your account, as long as it’sused to pay for qualified health care expenses.

• The Hartford contributes: With the Standard andValue CDHPs, you’ll also receive a contributionof $400 (individual) or $800 (family) from thecompany in your HSA. The company contributionisn’t available with the Basic CDHP, but you canstill contribute yourself and enjoy the HSA’sother advantages.

• You can invest your funds: Generally, once yourHSA balance reaches $2,500, investment optionsare available (this amount may be lower for someinvestment options). For more details, go toNetBenefits, in the top left menu, select “HealthSavings Account” and choose “Contributingand Investing.”

1 All references to “tax-free” refer to federal income tax. State tax laws may vary.

ENROLLING IN A STANDARD OR VALUE CDHP?

If you’re electing either of these plan options, it will be easier for you to open your HSA during the enrollment period, if you haven’t already.

Get more details.

  HEALTH CARE OPTIONS AND HSAs

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102017 BENEFITS ENROLLMENT GUIDE

You can contribute to an HSA if you:

• Enroll in a CDHP option through The Hartford

• Aren’t enrolled in Medicare, TRICARE or TRICARE for Life

• Aren’t claimed as a dependent on someone else’s tax return

• Attest through the online enrollment process that you meet these criteria

NOTE: The Internal Revenue Service (IRS) sets a limit on how much you can contribute to your HSA each year, and the company’s contribution is factored toward this amount. Also, for 2017, the contribution limit for employees with participant-only (individual) CDHP coverage is changing. Get more details.

KNOW HOW YOUR COVERAGE AND HSA WORK

These tools can help:

• CDHP video and HSA video – Explains the CDHP basics in a fun, easy-to-understand way.

• CDHP/HSA user guide – Serves as your “go-to” resource for details about how the CDHPs and HSAs work.

• Examples – Highlights how different life stages and life styles can affect how much health coverage an individual or family may need:

 » Sarah » Michael » Carol

OPEN YOUR HSA (IF YOU HAVEN’T ALREADY!)After your HSA is elected (either automatically if you’re enrolled in the Standard or Value CDHP options or manually if you’re in the Basic CDHP option), you’ll need to open the account before you can use all of the features.

When you enroll on NetBenefits, you’ll see Additional Action Required on the confirmation page. Click on the link and follow the steps provided. Your HSA election will be processed in one to two business days.

When the account is available, you’ll see HSA and your semi-monthly cost on NetBenefits. You’ll also receive a confirmation email from Fidelity along with a welcome kit by U.S. mail.

If you don’t open the account, you won’t be able to receive a debit card, use online bill pay, receive reimbursements via direct deposit, or invest your funds.

If your HSA is already opened, you don’t need to open it again each year.

DID YOU KNOW?

Building your HSA can help you create a safety net for unexpected health expenses now and prepare for expenses down the line – including during retirement. Even a small extra amount from each paycheck can add up over time to make an important difference.

ALEX can tell you more about the HSA’s advantages at netbenefits.com/thehartford.

  HEALTH CARE OPTIONS AND HSAs

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112017 BENEFITS ENROLLMENT GUIDE

Health Plan Options At-a-Glance

CDHP BASIC1 CDHP STANDARD CDHP VALUE

In-NetworkOut-of-Network

In-NetworkOut-of-Network

In-NetworkOut-of-Network

The Hartford’s HSA Contribution None $400 individual/$800 family $400 individual/$800 family

Medical and Prescription Deductible

$3,500 individual

$7,000 family

$7,000 individual

$14,000 family

$2,500 individual

$5,000 family

$5,000 individual

$10,000 family

$1,500 individual

$3,000 family

$3,000 individual

$6,000 family

The entire family deductible must be met – by one individual or a combination of family members – before coinsurance applies. Prescription drug costs are also subject to the deductible.

Preventive Care (what the plan pays)

100%, no deductible

40% after deductible

100%, no deductible

40% after deductible

100%, no deductible

40% after deductible

Office Visits (what the plan pays for non-preventive care visits with primary care physician/specialist)

80% after deductible

60% after deductible

80% after deductible

60% after deductible

90% after deductible

60% after deductible

Coinsurance (your share after deductible for other covered services)

20% 40% 20% 40% 10% 40%

Prescription Coverage coinsurance Learn about prescription drug coverage on next page.

Medical and Prescription Out-of-Pocket Maximum (combined)

$6,450 individual

$12,900 family

$12,900 individual

$25,800 family

$5,000 individual

$10,000 family

$10,000 individual

$20,000 family

$4,000 individual

$8,000 family

$8,000 individual

$16,000 family

When you pay your deductible, the amount counts toward the out-of-pocket maximum.

Also, after a family member reaches the individual out-of-pocket maximum, the plan covers all eligible expenses for that family member at 100 percent. Remaining family members will continue to accrue toward their individual out-of-pocket maximum until, as a family, they reach the family out-of-pocket maximum.

1 If you or your spouse is over age 65, this option does not provide creditable prescription drug coverage under Medicare Part D; therefore, at the time you apply for Medicare Part D coverage, you may be subject to a premium penalty. See the Notice of Creditable Coverage for more details.

DID YOU KNOW?

As you get ready to enroll, ALEX can add up your estimated care costs – and your premium costs – for each plan option to help you decide which one to choose for next year.

Visit ALEX at netbenefits.com/thehartford from any computer – this means you can use this tool from home with others who may help with your benefit decisions.

IF YOU’RE ENROLLED IN THE PPO HEALTH PLAN OPTION FOR 2016:

You’re eligible to select the plan again for next year, or you can choose to switch to a CDHP option. Get details about the PPO coverage.

  HEALTH CARE OPTIONS AND HSAs

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122017 BENEFITS ENROLLMENT GUIDE

Prescription Drug Coverage with Room to Choose and Save

When you participate in one of The Hartford’s health plan options, you’ll automatically receive prescription drug coverage through Express Scripts.

Before your prescription coverage begins with a CDHP option, you must satisfy the combined medical/prescription drug deductible. Your out-of-pocket prescription drug expenses also count toward the combined medical/prescription drug out-of-pocket maximum.

UNDERSTAND YOUR CHOICES

All health plan options include a formulary which is a list of the drugs your plan covers. These commonly prescribed medications have been shown to be both clinically effective and cost-effective.

The formulary includes four drug types – generic, preferred brand, non-preferred brand and patient choice – which you can purchase at participating retail pharmacies or through the home delivery program. How much coverage you receive depends on the type of drug you choose – you’ll receive the highest coverage with generic drugs and the lowest coverage with patient choice drugs.

WAYS TO SAVE ON PRESCRIPTION DRUGS

• Use the tax-free money in your health savings account (HSA) or your Health Care Spending Account (HCSA) topay your out-of-pocket drug costs.

• Save money by using generic drugs.

• Receive a 90-day supply of maintenance medications through the discounted home delivery drug program.If you don’t use home delivery after the third fill at a retail pharmacy, you’ll pay the full cost for these typesof drugs, and the expenses won’t accumulate toward your deductible or out-of-pocket maximum.

• Look up drug costs or find lower cost options for your prescriptions with the Price a Medication andMy RxChoices® tools on Express Scripts’ mobile app or website (express-scripts.com).

To learn more, review these frequently asked questions.

NOTE: Prescription drugs are covered differently under the PPO plan. Get more details. Note that the PPO is only available to employees who enrolled in this plan option for 2016.

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CHELSEA USES HER HSA TO PAY FOR PRESCRIPTIONS

In this example, see how Chelsea’s prescription drug costs applied toward her annual deductible and how her HSA helped her pay.

  PRESCRIPTION DRUG COVERAGE

132017 BENEFITS ENROLLMENT GUIDE

CDHP PRESCRIPTION DRUG BENEFITS AT-A-GLANCE

RETAIL (UP TO A 30-DAY SUPPLY), MAIL ORDER (UP TO A 90-DAY SUPPLY)

Generic and Preferred Brand After meeting the combined medical/prescription drug deductible, you pay 20 percent up to a maximum of $200 per prescription retail/$400 per prescription mail order

Non-Preferred Brand After meeting the combined medical/prescription drug deductible, you pay 40 percent up to a maximum of $200 per prescription retail/$400 per prescription mail order

Patient Choice Drugs1 After meeting the combined medical/prescription drug deductible, you pay 50 percent up to a maximum of $200 per prescription retail/$400 per prescription mail order

Get PPO prescription drug coverage information here. Note that the PPO is only available to employees who enrolled in this plan option for 2016.

1 Patient choice drugs include non-sedating antihistamines, weight loss drugs and drugs used to treat infertility and erectile dysfunction. The prescriptions do not accumulate toward the PPO in-network annual prescription drug out-of-pocket maximum.

DID YOU KNOW?

ALEX can tell you about ways to save at the pharmacy – go to

netbenefits.com/thehartford.

  PRESCRIPTION DRUG COVERAGE

142017 BENEFITS ENROLLMENT GUIDE

The Right Coverage for Your Favorite Smiles

The Hartford offers two dental options — the Core plan and the Enhanced plan — giving you greater ability to choose the level of coverage for your needs and those of your family.

What’s the difference? Simply put, the Enhanced Plan is available at a higher premium than the Core Plan. However, it offers more coverage for basic services, a lower annual deductible and a higher calendar year maximum. It also offers orthodontia coverage, whereas the Core Plan does not.

You don’t need to be enrolled in The Hartford’s health plan to elect dental coverage. Also, your current dental plan option election will carry over to 2017 unless you make a change during Annual Enrollment.

MUST-KNOW FACT: YOUR PROVIDER’S NETWORK AFFECTS WHAT YOU PAY

You can visit any dentist you choose, however, the amount you pay for dental services will depend on your plan option and whether your provider participates in the Delta Dental PPO network, the Delta Dental Premier network or is a non-participating provider.

• The highest benefit level will be paid when you visit a “PPO” network provider. These providers offer thehighest discount (on average, 35 percent), so your cost is lowest when you receive services from them.

• The lowest benefit level will be paid for “Premier” network providers and non-participating providers.Premier network providers offer a discount of about 12 percent on average.

• Non-participating providers don’t have a negotiated discount, so you may also need to pay any amounts thatexceed the reasonable and customary amount. In general, your costs are highest when you receive servicesfrom these providers.

It’s easy to find out if your dentist is in the Premier or PPO network. Visit the Delta Dental of New Jersey website at deltadentalnj.com for provider listings. The network name(s) are listed next to each provider.

If you have questions, call Delta Dental of New Jersey at 1-888-234-4612.

continued

DID YOU KNOW?

Only the Enhanced dental plan offers orthodontia coverage. So if you or any of your dependents need braces, this may be the right option for you.

Choosing the right dental plan can help you save money. Visit ALEX at netbenefits.com/thehartford to find the one that works for you.

  DENTAL OPTIONS

152017 BENEFITS ENROLLMENT GUIDE

DENTAL PLAN OPTIONS AT-A-GLANCE

CORE PLAN ENHANCED PLAN

PPO ProvidersPremier or

Non-Participating Providers

PPO ProvidersPremier or

Non-Participating Providers

Annual Deductible $100 individual/$300 family $50 individual/$150 family

Calendar Year Maximum Benefit $1,500 $1,000 $2,000 $1,500

Preventive Services Covered at 100% (no deductible) Covered at 100% (no deductible)

Basic Services Plan pays 80% Plan pays 60% Plan pays 90% Plan pays 70%

Major Services Plan pays 50% Plan pays 50%

Orthodontia Not covered Plan pays 50% (no deductible)

Lifetime Orthodontia Maximum Benefit

Not applicable $2,000 BEN COMPARES ROOT CANAL COSTS

In this example, see how Ben saves by selecting a provider in the dental PPO network.

  DENTAL OPTIONS

162017 BENEFITS ENROLLMENT GUIDE

Get into Vision Care With or Without the Health Plan

You can get routine eye care and benefits toward annual eye exams, glasses, contact lenses and more with The Hartford’s voluntary group vision plan — Blue View VisionTM, administered by Anthem.

Blue View Vision offers one of the largest vision care networks in the country and includes a wide selection of experienced ophthalmologists, optometrists and opticians, as well as many retail locations, including LensCrafters,® Sears Optical,® Target Optical,® JCPenney® Optical and most Pearle Vision® locations.

To locate a participating provider, use the “Find a Doctor” tool on anthem.com. When you search by plan or network, select “Vision,” your state and then “Blue View Vision.”

You don’t need to be enrolled in The Hartford’s health plan to elect vision coverage. Also, your current vision plan election will carry over to 2017 unless you make a change during Annual Enrollment.

Get coverage details for your vision plan. If you have questions call 1-866-723-0515.

REMEMBER, routine annual

eye exams by in-network

providers are covered at

100 percent – with no copay.

  VISION COVERAGE

172017 BENEFITS ENROLLMENT GUIDE

Save On Taxes While Taking Care of Yourself and Your Family

The Hartford offers two spending accounts that allow you to set aside “before-tax” money for eligible expenses – and take home more of your paycheck. Based on your feedback, we’re changing the administrator for these benefits to WageWorks to make it easier for you to get the most out of them.

• The Health Care Spending Account (HCSA) is a smart way to pay for eligible health expenses not coveredunder other plans, such as deductibles, copays, coinsurance, costs in excess of the maximum allowable amount,LASIK eye surgery, acupuncture and more. If you’re not enrolled in a CDHP option, this type of account might be helpful for you. The HCSA may also be anoption if you’re not eligible for an HSA (e.g., because you’re covered under another plan like Tricare, Medicare ora spouse/domestic partner’s medical plan).

• The Dependent Day Care Spending Account (DCSA) is a simple way to save money while taking care of yourloved ones so you can continue to work. It can help you pay dependent care services, such as preschool, summerday camp, before- or after-school programs, and child or elder daycare.

IMPORTANT: ESTIMATE YOUR COSTS TO DETERMINE CONTRIBUTIONS

The money you contribute to your HCSA and DCSA must be used within the plan year – any amount left unspent is forfeited. So, it’s important to estimate your annual out-of-pocket expenses to determine how much to contribute. The HCSA calculator and the DCSA calculator can help.

Keep in mind, after the Annual Enrollment period, you’re only able to change your contribution amounts if you experience a qualifying event like a marriage or a birth.

The Internal Revenue Service (IRS) sets annual limits for what you can contribute to an HCSA and DCSA:

• For the HCSA, you can contribute up to $2,550 each year.

• For the DCSA, individuals and married couples who file their taxes jointly can contribute up to $5,000 a year,while married couples who file separately can each contribute a maximum of $2,500.

continued

  TAX-FREE SPENDING ACCOUNTS

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HOW EXPENSES ARE REIMBURSED

For the HCSA:

• Medical claims: If you elect an HCSA, your 2017 Anthem medical claims will be automatically forwarded to WageWorks. This feature will reimburse any eligible out-of-pocket medical costs directly to you without action required on your part. NOTE: Due to federal tax regulations, you must opt out of this feature if you have secondary health plan coverage (such as a spouse’s employer’s plan, which could also reimburse you for the same eligible services), or a domestic partner covered under your health plan. Also, if you opted out of this feature

with Acclaris, you need to do so again with WageWorks – that option will not carry over.

The following options are also available for receiving reimbursement for your eligible medical expenses. As of Nov. 17, you can set up either of these at wageworks.com:

» Pay My Provider option – You can arrange to pay your health care providers directly from your WageWorks account for your eligible expenses.

» Pay Me Back option – You can arrange to pay yourself back from your HCSA for claims that aren’t automatically forwarded to WageWorks.

• Prescription claims: After you enroll, you’ll receive a WageWorks debit card, which may be used to purchase eligible prescriptions and over-the-counter items from participating pharmacies. For a list of these pharmacies, visit sig-is.org. NOTE: This site is managed by Sigis, an organization that certifies the pharmacies that can accept HCSA debit cards. To see the pharmacy list, enter your zip code under “Store Locator.”

For the DCSA:

You can arrange for DCSA funds to be deposited directly into your bank account or a check to be mailed to reimburse you for eligible expenses you’ve paid. You can also arrange to pay your dependent care providers directly from your WageWorks account for your eligible expenses. Get more details.

For both the HCSA and the DCSA:

If you need to manually submit claims for eligible expenses incurred between Jan. 1, 2017, and Dec. 31, 2017, you’ll have until March 31, 2018. See a list of eligible expenses for the HCSA and DCSA.

HOW TO SUBMIT YOUR 2016 CLAIMS

Claims incurred in 2016 need to be submitted to Acclaris by Mar. 31, 2017. Because your automated Acclaris payment options and debit card will be turned off as of Jan. 1, 2017, after that date you’ll need to submit your 2016 claims through the Acclaris website.

ARE THESE TAX-FREE ACCOUNTS THE RIGHT FIT FOR YOU?

In 90 seconds each, the DCSA video and the HCSA video can help you decide by explaining how these benefits work in an easy-to-understand way.

  TAX-FREE SPENDING ACCOUNTS

192017 BENEFITS ENROLLMENT GUIDE

How Additional Protection Can Fit into Your Life

Our comprehensive suite of optional insurance can provide an additional layer of protection for your finances – and the future of those who depend on you.

FOCUS ON RECOVERY WITH CRITICAL ILLNESS INSURANCE

You can choose voluntary Critical Illness insurance – the same coverage that helps our customers relieve the financial impact of a major illness, such as cancer, heart attack or stroke.

Choose from two coverage amounts – $10,000 or $20,000 – to suit your needs without having to provide Evidence of Insurability (EOI). Your spouse or domestic partner can be covered for 100 percent of your coverage amount. Your child(ren) can be covered for a $5,000 benefit.

How It Works

A lump-sum benefit is paid when you or a covered dependent is diagnosed with a covered illness while insured under the policy. The amount can be used in any way you choose, including:

• Expenses the health plan doesn’t cover, such as deductibles andcoinsurance, caregiver expenses, travel to and from treatment centersand rehabilitation.

• Day-to-day costs of living, such as rent or mortgage payments, groceries,child care and utility bills.

You or your covered dependents will not receive payments for any covered illness that results from or is caused by a pre-existing condition until you are continuously insured for 12 consecutive months.1

Review the Critical Illness Insurance Benefit Highlights for a list of the covered illnesses and additional benefits that are included in the plan.2

Also, check out this example and two-minute video, which can help you understand how this benefit works.

If you have questions, contact The Hartford Group Benefits Call Center at 1-866-623-8688, Monday through Friday, 8 a.m. to 8 p.m. ET.

This policy provides limited benefits for specified diseases only. This limited health benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.

In New York: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

Note: For residents of California, Georgia, New Jersey and New York, since Critical Illness is a limited benefit health product, persons without comprehensive health benefits from an individual or group health insurance policy or an HMO, or an employer plan providing essential health benefits are not eligible for Critical Illness insurance.

For residents of Idaho, Maine, New Hampshire, West Virginia and Connecticut: A person covered by any Title XIX program (Medicaid or any similar name) is not eligible for Critical Illness insurance.

DID YOU KNOW?

Medical bills are a leading cause of bankruptcy for Americans.3 Critical illness insurance can help cover unexpected expenses after an illness is diagnosed.

ALEX can tell you more about this coverage at netbenefits.com/thehartford.

1 For residents of Colorado, Idaho and South Dakota, the continuously insured period is limited to six consecutive months.

2 The following benefits are not available to residents of New Jersey: Lodging Benefit, Transportation Benefit, Prosthesis/Wig Benefit, Rehabilitation Benefit, Home Health Care Benefit and Physical Therapy Benefit.

3 Medical Bankruptcy in the United States, 2007: Results of a National Study. American Journal of Medicine, 2009. www.pnhp.org/new_bankruptcy_study/Bankruptcy-2009.pdf

  ADDITIONAL PROTECTION

continued

202017 BENEFITS ENROLLMENT GUIDE

MAKE SURE YOU’RE COVERED WHEN ACCIDENTS HAPPEN

An accident can happen to anyone, and recovery can be costly. For 2017, The Hartford is offering the same voluntary Accident insurance that helps our customers protect against significant financial loss associated with unexpected events.

How It Works

You and your covered dependents will receive a payment associated with a covered injury and related services. You can use the payment in any way you choose – from expenses not covered by your health plan to day-to-day costs of living such as a mortgage or utility bills.

Here are a few examples of covered services – for each, you or your covered dependent would receive a fixed dollar amount:

• Diagnostic exams, X-rays and other emergency services

• Initial and follow-up physician visits

• Ambulance transportation

• Follow-up/recovery services, including physical therapy and chiropractic care

See the Accident Insurance Benefit Highlights for a list of covered accidents and additional benefits included in your plan.

If you have questions, contact The Hartford Group Benefits Call Center at 1-866-623-8688, Monday through Friday, 8 a.m. to 8 p.m. ET.

continued

DID YOU KNOW?

In the U.S., a disabling injury occurs every second.1 And, more than 3.5 million children ages 14 and younger get hurt each year playing sports or participating in recreational activities.2 Accident insurance can offer financial relief when these types of unexpected events occur.

ALEX can tell you more about this benefit at netbenefits.com/thehartford. Also, see this example and this two-minute video, which can help you understand how it works.

1 Injury Facts. National Safety Council. 2014 Edition. p. 37. Print.

2 “Sports Injury Statistics.” Health Library. Johns Hopkins Medicine, n.d. Web. 06 Nov. 2014.

  ADDITIONAL PROTECTION

212017 BENEFITS ENROLLMENT GUIDE

PROTECT THOSE WHO DEPEND ON YOUR PAYCHECK

AT NO COST TO YOU, THE HARTFORD AUTOMATICALLY PROVIDES:

Type of Coverage Amount

Company-paid Long-Term-Disability insurance

Replaces 50 percent of your eligible income in the event of a covered disability.

Company-paid Basic Life insurance

Provides one times your eligible pay, up to $100,000. You can also limit this amount to $50,000 to avoid imputed income – see the section below ALEX for details.

Company-paid Basic Accidental Death and Dismemberment (AD&D) insurance

Provides one times your eligible pay, up to $100,000. If you elect to limit Basic Life insurance to $50,000, your Basic AD&D will also be limited to $50,000.

PURCHASE THE FOLLOWING OPTIONAL COVERAGES FOR ADDITIONAL PROTECTION:

Type of Coverage How It Works/Amount of Coverage

Optional Long-term Disability1

Replaces 60 or 70 percent of your income up to an annual salary of $360,000 in the event of a covered disability. This coverage is helpful because your savings might not be enough if an illness or injury keeps you out of work for an extended period of time.

We made a few enhancements to this benefit so it offers greater protection.

Got two minutes? Watch this video which explains disability insurance in a fun, easy-to-understand way.

Optional Life Insurance1 Helps you and your family members take care of burial and other funeral expenses, replace lost income, and pay off the mortgage.2 You can purchase optional coverage in the following amounts:

• For you: One to five times your eligible pay, up to $1,225,000

• For your spouse or domestic partner: $10,000, $25,000 or $50,000

• For your child or children: $5,000 or $10,000 per child

Want the basics about Life Insurance? This short video provides them in less than two minutes.

Accidental Death and Dismemberment (AD&D)1

Pays a lump sum benefit if you lose your life, a limb, sight, hearing and/or ability to speak in a covered accident. AD&D provides a death benefit over and above your Life insurance benefit, should a covered person die as a result of an accident.

You can choose to buy optional AD&D insurance in the amount of one to five times your eligible pay, up to $1,225,000.

Not sure how AD&D works? In about 90 seconds, this video explains.

1 You may be required to provide Evidence of Insurability (EOI) to increase your coverage more than one coverage level, or if you elect coverage that exceeds the guaranteed issue amount.

2 LIMRA, Facts of Life: Life Insurance Available through the Workplace, September 2015 http://www.limra.com/uploadedFiles/limra.com/LIMRA_Root/Posts/PR/_Media/PDFs/2015-LIAM-fact-sheet_Group.pdf View Date: January 21, 2016

DID YOU KNOW?

By asking you a few questions, ALEX can provide a reasonable estimate of your life insurance needs. Visit netbenefits.com/thehartford.

ALSO, REMEMBER TO UPDATE YOUR BENEFICIARIES. If they're not up-to-date, or you haven't elected any, your life insurance benefits could go to the wrong person or place if the unexpected occurs. Especially if you’ve recently had life changes, like marriage or divorce, it’s important to update this information when you make your 2017 elections on NetBenefits.

A NOTE ABOUT IMPUTED INCOME

The value of any Life insurance coverage that The Hartford pays for in excess of $50,000 is treated as income by the Internal Revenue Service (IRS). This imputed income is included on your W-2 form, even though you don’t actually receive it in your paycheck, and you'll be required to pay taxes on it.

If your eligible pay is greater than $50,000, you can limit both your Basic Life and Basic AD&D coverage to $50,000 to avoid paying imputed income. If you’d like to limit your coverage, you’ll need to actively elect the $50,000 coverage option.

The imputed income amount determined by the IRS is based on your age and the amount of company-provided Life insurance you receive over $50,000. For example, a 40-year old employee with $60,000 in company-provided Life insurance will incur $12 in imputed income per year.

  ADDITIONAL PROTECTION

222017 BENEFITS ENROLLMENT GUIDE

Purchase More Paid-Time-Off

Annual Enrollment is the one time of year you can purchase additional paid-time-off (PTO). The number of hours you purchase will be added to your accrued PTO balance – and be available for use – as of Jan. 1, 2017.

Eligible employees may purchase up to one workweek equivalent (maximum of 40 hours for full-time employees) of additional PTO.

Because Internal Revenue Service (IRS) regulations prohibit you from carrying over purchased hours from year-to-year, carefully consider the amount of hours that are right for you.

If you were enrolled in the purchased PTO program in 2016, you must re-enroll if you wish to purchase additional PTO hours for 2017.

Learn more about purchasing PTO.

Bring Home Savings on Your Commute

By allowing you to contribute up to $255 a month1 on a before-tax basis to your Commuter Transit Account or Commuter Parking Account, The Hartford’s Commuter Benefits Program helps you take home even more of your paycheck. And for 2017, the program is getting even better.

As of Jan.1, WageWorks will become the new administrator – get more details about how this change will make it even easier for you to use the program.

IMPORTANT: Between Nov. 11 and Dec. 10, 2016, order your commuter pass or debit card – or set up parking payments – for January 2017, at wageworks.com.

HOW MUCH COULD YOU SAVE?

See how much more money you could take home when you use a before-tax benefit like the Commuter Transit or Parking Account by using this calculator. You can also learn more by watching this video.

If you have questions, call 1-877-WageWorks (877-924-3967), Monday through Friday, from 8 a.m. to 8 p.m. ET.

1 Monthly IRS contribution limit in 2016.

  PTO PURCHASE

  COMMUTER BENEFITS

232017 BENEFITS ENROLLMENT GUIDE

Quick Reference: Benefit Assistance

In addition to the resources on page 5, the following resources can answer specific questions about your coverage and claims:

RESOURCE GET ANSWERS ABOUT THESE BENEFITS HOW TO ACCESS

Anthem Health plan 1-800-801-6308

anthem.com

Express Scripts Prescription drug coverage 1-800-233-7840

express-scripts.com

Delta Dental of NJ Dental plan 1-888-234-4612

deltadentalnj.com

Blue View Vision (administered by Anthem)

Vision Plan 1-866-723-0515

anthem.com

WageWorks• Health Care Spending Account• Dependent Day Care Spending Account• Commuter Benefits Program

1-877-WageWorks (877-924-3967) wageworks.com/Hartford

The Hartford’s Group Benefits Call Center

• Critical Illness Insurance• Accident Insurance• Life and AD&D Insurance

1-866-623-8688 or thehartford.com/benefits-resource/other-coverages

HartLeave• Short-Term Disability• Long-Term Disability

1-800-727-9737

My Wellness At WorkWell-being program and health plan premium credit questions

Call 1-855-651-2910 or review the Well-Being eBook. Also, register and log in at mywellnessmywork.com

Download apps for these resources from the App Store for Apple or Google Play for Android.

  BENEFIT ASSISTANCE

242017 BENEFITS ENROLLMENT GUIDE

IMPORTANT LEGAL NOTICESThe following information and notices are being provided to you in accordance with federal law. While not all of them may be relevant for you at this time, you should review them, and you may want to retain a copy for your future reference.

ABOUT YOUR PRIVACY

SUMMARY OF BENEFITS AND COVERAGE

IMPORTANT INFORMATION: WOMEN’S HEALTH AND CANCER RIGHTS ACT OF 1998

SPECIAL NOTICE OF ENROLLMENT RIGHTS UNDER THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT (HIPAA)

HEALTH INSURANCE PORTABILITY AND ACCOUNTABILTY ACT (HIPAA) PRIVACY NOTICE

CHILDREN’S HEALTH INSURANCE PROGRAM REAUTHORIZATION ACT OF 2009 (CHIPRA) NOTICE

NOTICE TO EMPLOYEES ON COBRA, LEAVE OR SEVERANCE

MEDICARE PART D NOTICE OF CREDITABLE COVERAGE

FIDELITY HSA

This guide is not intended to create, nor will it be construed to form, a contract or promise for a benefit. Participation in the plans is subject to all applicable terms and conditions of the plans. Full details about the plans are provided in the official Plan Documents, which govern the operation of the plans. Any differences between this guide and the Plan Documents are not intended, but if any differences are found to exist, the Plan Documents will govern. The plan administrator reserves the right to make all interpretations with respect to the plans described here. The decisions of the plan administrator are final and binding upon all participants. The Hartford reserves the right, without your consent or concurrence, to amend, modify, suspend, replace, or terminate the plans, in whole or in part, including any level or form of coverage or contribution amount at any time. If the plans are amended, modified, suspended, replaced or terminated, you or other employees may not receive benefits as described here.

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.

This information has been provided by The Hartford and is the sole responsibility of The Hartford.

Aycofn® is a trademark of The Ayco Company, L.P., a Goldman Sachs Company. This service is provided exclusively by The Ayco Company, L.P. Used with permission. The Ayco Company, L.P., (Ayco) is a subsidiary of The Goldman Sachs Group, Inc and an affiliate of Goldman, Sachs & Co., a worldwide, full-service investment banking, broker-dealer and asset management organization.

16-0645 © September 2016 The Hartford. All rights reserved.

RIGHT-SIZE YOUR BENEFITS.

252017 BENEFITS ENROLLMENT GUIDE