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VERSO BENEF I T S

REPRESENTED GUIDE

2020 BENEFITS ENROLLMENT

Table of Contents

02 2020 Benefits Enrollment03 Medical Plan04 Prescription Drugs05 Dental Plan06 Vision Plan07 Disability Coverage08 Life Insurance and AD&D09 Flexible Spending Accounts10 Employee Assistance Program 10 Retirement Savings Plan11 Voluntary Benefits12 Benefits Eligibility & Coverage13 How to Enroll in 2020 Benefits14 Important Rights and Information20 Contacts

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LIVE LIFE WELL

Verso is committed to offering affordable, competitive, quality benefit options for you and your family.

Your benefit choices are important decisions that affect how you receive benefits and how much you pay for them. We all need to take an active role in understanding, buying and using health care services wisely to get the most value for our benefit dollars. Being proactive also helps Verso manage overall benefit costs more effectively and helps keep insurance premiums as low as possible.

Please take the time to review this 2020 Employee Benefit Guide to fully understand Verso’s benefit plans available in 2020.

The elections you make will be effective through December 31, 2020. Once you’re enrolled in Verso benefits for 2020, you will be able to make changes only if you have a qualified life event, such as a marriage, birth, divorce, etc.

Welcome to Your 2020 Verso Benefits

This guide is intended to provide a summary of benefits offered to employees. In determining actual benefit coverage and eligibility, the official text of the legal plan document (including any insurance contracts and other coverage documents) are the governing source. For more information about the coverage described in this guide, refer to the Summary Plan Descriptions and other booklets available on MyVersoBenefits.com.

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2020 BENEFITS ENROLLMENTYour new hire benefits enrollment is your opportunity to choose the benefit plans you and your family will have in 2020.

What You Need to Do During Benefits Enrollment First, you should thoroughly review this 2020 Employee Benefit Guide for details about 2020 benefit plans, premiums and deductibles so that you can make informed benefit selections. Online enrollment is your only option; there is no offline process available.

Benefits Enrollment Checklist • Go to MyVersoBenefits.com to enroll.

• Create your username and password.

• Enter your personal information (address, phone, email, etc.)

• Enter dependents you wish to cover, making sure to verify that they meet Verso’s benefit eligibility requirements.

• Enter required information for your beneficiaries.

• Elect benefits for which you and your family members are eligible.

Important Reminders • Dependents: Be sure to enroll dependents for each coverage you select.

MyVersoBenefits.com

• First Payroll Deduction: Review your first paycheck to ensure that the deductions reflect your enrollment elections. No corrections will be made after enrollment unless you have a qualifying life event.

• ID Cards: You will have one ID card for medical and pharmacy coverage, a second ID card for dental and another for vision.

Need help enrolling?

If you need help enrolling, call the Verso One Number at 800-422-6103, option 5, sub-option 3 and a Call Center Representative will assist you. Representatives can help you enroll, answer general benefit questions or reset your enrollment website password. You can also email your questions to [email protected] or schedule a call with an enrollment advisor.

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+ Generic and formulary brand medications determined to be value based (cholesterol, diabetes and hypertension) will result in no cost when obtained from an in-network provider.

* Does not include surcharges.

MEDICAL PLAN

ICONOGRAPHY

RETIREMENT SAVINGS PLANNING HEALTH & WELLNESSMEDICAL PLAN

LIFE INSURANCE AND AD&DPRESCRIPTION DRUGS

DENTAL PLAN

VISION PLANEMPLOYEE ASSISTANCE PROGRAM

RETIREMENT/TRAVEL/LEISURE GROWTH ACTIVE LIFESTYLEDISABILITY COVERAGE

FLEXIBLE SPENDING ACCOUNT

VOLUNTARY BENEFITS

HEALTH REIMBURSMENT ACCOUNT

(HRA)

GROWTH ACTIVE LIFESTYLEHEALTH SAVINGS ACCOUNT

(HSA)TELEMEDICINE

BENEFITS ELIGIBILITY & COVERAGE

Health care is one of the most important and valuable benefits Verso offers. The plan covers in-network preventive care at 100% and is administered by Anthem Blue Cross Blue Shield.

Medical Plan Features HRA Plan (In-Network)

Annual Deductible$1,250 employee-only

$1,875 employee + spouse $2,500 family

Out-of-Pocket Maximum $2,500 / $3,750 / $5,000

Co-insurance after Deductible 80% of maximum allowable charge

HRA Employer Funding $500 / $750 / $1,000

Annual Incentive Rewards Maximum of $750 per covered employee or spouse

Office Visit 80% after deductible

Specialist 80% after deductible

Outpatient 80% after deductible

Diagnostic Testing 80% after deductible

Emergency Room Services 20% up to $250

Preventive Health 100%

Prescription Drugs

Generic+ 80% after deductible / $5 max

Formulary Brand+ 80% after deductible / $50 max

Non-Formulary Brand 60% after deductible / $75 max

Specialty $100 copay

Monthly Premium Rates*

Employee Only $140.88

Employee + Spouse $288.80

Employee + Children $253.58

Employee + Family $400.09

Definitions

A Health Reimbursement Account (HRA) is an IRS-approved, employer-funded account that helps with first dollar out-of-pocket medical expenses. You cannot contribute to an HRA. The employer HRA contribution is prorated monthly and is based on your enrollment date and/or any mid-year changes. Employer contributions to an HRA are not taxable, and any unused money in an HRA rolls over from year to year. However, if you terminate employment or retire, any money remaining in the HRA is forfeited.

The annual deductible is the amount of covered medical expenses you pay each year before co-insurance begins. Your in-network deductible applies to your out-of-network deductible and vice versa.

Co-insurance is the percentage of covered costs you pay after you have met your deductible.

The out-of-pocket maximum limits your annual exposure such as co-insurance and deductible amounts.

Tobacco User SurchargeTo discourage the use of tobacco products and cover additional health care costs associated with such use, the medical plan includes a tobacco user premium surcharge of $75/month for employees and covered spouses. You/your spouse can stop the surcharge by completing the tobacco cessation program offered at no cost by Anthem BCBS. Information on this program can be found at Anthem.com.

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PRESCRIPTION DRUGSPrescription Drugs Covered in the HRA Medical Plan

What you pay for your prescriptions will depend on what type of prescriptions you need and the class of drug you choose to take.

The plans classify drugs by four levels: generic, formulary brand, non-formulary brand and specialty. Each level of drug is a different cost. Generic medications are the lowest cost options. Formulary brand, non-formulary brand and specialty are higher priced medications. Your doctor may be able to prescribe a similar drug from another level with a lower cost.

Generic Drugs Many brand-name drugs have a generic equivalent. Generic drugs are equivalent to brand-name drugs in dosage strength, route of administration, quality, performance and intended use.

Because of the cost savings associated with generic medications, our plan requires the use of a generic drug unless your physician specifies on the prescription that you must take the brand-name product.

If your prescribing physician does not specify the need to take the brand-name drug, the plan will only cover the cost of the generic equivalent. The cost difference will be considered an ineligible expense and will not apply toward your deductible or out-of-pocket maximum, and will not be reimbursable under the co-insurance portion of the plan.

Specialty Drugs Specialty drugs are typically designed and used to treat complex and chronic conditions such as multiple sclerosis or rheumatoid arthritis. These drugs can be difficult to administer and often must be administered by a physician and require special handling.

Specialty drugs are the most expensive class of medication. The average monthly cost of a specialty drug is $6,500, which is 10 times the cost for non-specialty medications.

To help control these costs, the plan puts limits on specialty drugs. First, specialty drugs are dispensed in a maximum 30-day supply. Second, specialty drugs are only covered if obtained through select specialty pharmacies. This applies even if your physician orders and administers the specialty drug.

Mail Order and 90-Day Supply If you take certain medications on a regular basis you can save time and money using mail order or the 90-day program. With the mail order program you can get up to a 90-day supply with the convenience of home delivery. With the 90-day prescription program you can get a 90-day supply of your medication through many popular retail pharmacies.

ICONOGRAPHY



DENTAL PLAN




VOLUNTARY BENEFITS


(HRA)


(HSA)TELEMEDICINE


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There’s no better way to protect your smile than with regular dental care. Verso offers dental coverage to help with the cost of many dental services, including orthodontia.

Cigna Dental PPO Plan (DPPO) The Cigna DPPO plan offers you the choice of using in-network or out-of-network dentists. You’ll save the most money when you use a Cigna DPPO in-network dentist. The chart below provides a view of covered services and plan features for in-network coverage.

DENTAL PLAN

ICONOGRAPHY



DENTAL PLAN




VOLUNTARY BENEFITS


(HRA)


(HSA)TELEMEDICINE


Dental Plan Features

Preventive & Diagnostic ServicesOral exams, x-ray, cleanings, brush biopsy, topical fluoride, sealants 100% coverage

Basic ServicesRestorative services using amalgam, synthetic porcelain, and plastic filling material, periodontics, endodontic, oral surgery, nitrous oxide

80% coverage

Major ServicesProsthetics: bridges and dentures, crowns, jackets, labial veneers, implants, inlays, and onlays 80% coverage

Orthodontia Services Adults & Dependent Children 60% coverage

Plan Deductibles and Maximums(waived for preventive services)

$25 employee-only$75 family

Calendar Year Maximum (per covered member) $1,500

Orthodontic Lifetime Maximum(per eligible member) $2,000

Monthly Premium Plans

Employee Only $ 7.04




How to Find a Cigna DPPO Network Dentist

Go to Cigna.com and click on “Find a Doctor, Dentist or Facility” at the top of the screen.

Select “Plans through your employer or school” under the “Not a Cigna Customer Yet?” section.

Under “Select a Plan” click on the “Pick” button and select “Dental Plans” and then “Total Cigna DPPO.” Click on “Choose.”

01 02 03Under “Find Providers” enter your search location and search term and click on the search button.

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Services Participating Provider Non-Participating Provider

Exam with Dilation (as necessary) 100% after $15 copay $30 allowance

Lenses• Single• Bifocal• Trifocal

100% after $15 copay100% after $15 copay100% after $15 copay

$25 allowance$40 allowance$60 allowance

Frames $130 retail allowance $65 retail allowance

Contact Lenses• Elective (conventional and disposable)• Medically necessary (limit one pair)

$130 allowance100%

$104 allowance$200 allowance

Frequency (based on date of service)• Examination• Lenses or contact lenses• Frame

Once every 12 monthsOnce every 12 monthsOnce every 12 months

Once every 12 monthsOnce every 12 monthsOnce every 12 months

Monthly Premium Rates

Employee Only $ 9.14




VISION PLANVision Care

Besides helping you see better, regular vision checkups can detect serious conditions such as glaucoma, cataracts, diabetes and even tumors. With the Humana Insight Network Plan you have access to more than 74,000 optometrists, ophthalmologists and national retail providers, such as LensCrafters®, Pearle Vision®, Sears® Optical, Target® Optical and JC Penney® Optical.

To find an in-network provider, go to MyVersoBenefits.com and select “Represented Employees.” Then select “Vision.” Under the “Links” heading, select “Search Humana Insight Network for Vision Providers.” Enter your ZIP code and click “Get Results.”

ICONOGRAPHY



DENTAL PLAN




VOLUNTARY BENEFITS


(HRA)


(HSA)TELEMEDICINE


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Disability benefits provide income when you cannot work due to an illness or injury. All full-time employees are automatically enrolled in accident and sickness coverage administered by Cigna. You do not need to enroll and Verso pays the full cost of your coverage.

Accident and Sickness Accident and sickness coverage provides weekly income protection when you are unable to work due to a non-work-related illness or injury. Once approved by Cigna, you are eligible to receive a flat amount as stated in your applicable labor agreement.

The maximum benefit eligibility period for accident and sickness coverage is 26 weeks.

To Qualify for Accident and Sickness You must be unable to work and be receiving treatment for, or recovering from, a qualifying medical condition, as certified by your doctor.

Long-Term Disability (LTD) Long-term disability coverage is available to non-grandfathered represented employees. LTD can help provide financial security if you are unable to work for an extended period of time due to a covered injury or sickness. If approved, long-term disability benefits begin after you have been disabled and out of work for 180 days.

Once you’re approved and for as long as you meet the plan’s definition of a covered disability, the long-term disability plan will pay a monthly benefit of 50% of your base pay (up to a maximum of $4,500 monthly) until you are able to return to work or you reach the Social Security normal retirement age, whichever occurs first.

To Qualify for Long-Term Disability If you are unable to return to work at the end of the accident and sickness coverage period, you may be eligible for long-term disability benefits if you are unable to work because of a covered disability.

DISABILITY COVERAGE

ICONOGRAPHY



DENTAL PLAN




VOLUNTARY BENEFITS


(HRA)


(HSA)TELEMEDICINE


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LIFE INSURANCE AND AD&DCompany Paid Life Insurance and AD&DFinancial and Survivor Benefits To protect those who rely on your income for their support, Verso pays the full cost of basic life and accidental death and dismemberment (AD&D) insurance administered by Cigna. Coverage is equal to $80,000. This coverage is provided even if you are not enrolled in other benefits.

Reductions in Insurance Coverage amounts for employee life insurance are reduced by 11% a year starting at age 65.

Supplemental Life Insurance and AD&DYou have the opportunity to purchase additional term life and AD&D coverage for yourself. This coverage is paid for by you with after-tax dollars.

Increasing Your Supplemental Life Insurance If you want to increase your life insurance coverage after your initial enrollment, you will be required to provide evidence of good health to Cigna. Your evidence of good health must be satisfactory to Cigna before an increase in coverage will take effect.

ICONOGRAPHY



DENTAL PLAN




VOLUNTARY BENEFITS


(HRA)


(HSA)TELEMEDICINE


Supplemental Life Insurance and AD&D

Central Wisconsin Escanaba

$10,000

$50,000

$20,000

$30,000

$40,000

$50,000

How much coverage can you buy?

You can elect supplemental life and AD&D insurance in amounts shown in the table.

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Flexible Spending Accounts (FSAs) let you set aside pre-tax money to help pay for eligible expenses. Both a Health Care FSA and a Dependent Care FSA are available as part of your benefits.

Health Care FSA The Health Care FSA enables you to set aside pre-tax dollars to pay for qualified health care expenses.

Dependent Care FSA The Dependent Care FSA enables you to set aside pre-tax dollars to pay for qualified dependent care expenses. Funds can be used to pay for eligible day care, preschool, elder care or other dependent care.

To qualify for a Dependent Care FSA the IRS requires that dependent care is necessary for you and your spouse to work, look for work or attend school full-time, along with other requirements.

ICONOGRAPHY



DENTAL PLAN




VOLUNTARY BENEFITS


(HRA)


(HSA)TELEMEDICINE


FLEXIBLE SPENDING ACCOUNTS

Health Care FSA Dependent Care FSA

Eligible Expenses Copayments, co-insurance, deductibles, dental expenses, vision expenses, prescription drugs (see IRS Publication 502 for a complete list)

Eligible child (under 13) and adult care expenses such as day care, before and after-school care, preschool, nursery school, summer day camps (see IRS Publication 503 for a complete list)

Annual Maximum Contribution $2,700 $5,000 ($2,500 if married and filing separate tax return)*

Access to Contributions Funds are available to you as of the beginning of the plan year

You can be reimbursed for expenses only up to the amount currently in your account

Not sure of the difference between a Health Care FSA and Dependent Care FSA?

Use the comparison chart below to better understand the difference.

You must file claims for eligible 2020 expenses by March 31, 2021 or the unused amount in your FSA will be forfeited.

For more information, visit HealthEquity online at http://learn.healthequity.com/verso/fsa or call 866-375-1323.

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RETIREMENT SAVINGS PLANIf you are a full-time employee, you are eligible on your date of hire to enroll in Verso’s Retirement Savings Plan after your first paycheck is processed. Your deductions will begin as soon as is administratively possible.

If you do not enroll when you become eligible, you will be automatically enrolled in the plan unless you opt out. Contributions deducted from your pay will be pretax at 6% with a 1% increase each year thereafter until your contribution reaches 10%. Your contributions will default to the plan’s default investment option. You will receive an automatic enrollment notice and enrollment kit in the mail, and will have 30 days to review the information. If you do not opt out within the 30 days, deductions from your pay will begin as soon as is administratively possible.

To enroll in the plan, opt out, change your contribution amount, change your investments or ask questions, contact Transamerica, the plan administrator, at 800-422-6103, option 4 or visit transamerica.com/portal/verso/.

If you are a part-time or seasonal employee, speak to your local Human Resources representative for eligibility requirements.

EMPLOYEE ASSISTANCE PROGRAMVerso’s Employee Assistance Program (EAP) is provided to all Verso employees at no charge regardless of whether you are enrolled in a Verso medical plan. The EAP, provided by Freckman & Associates, is a confidential service for you and your family and covers a wide-range of issues, including stress and family matters.

ICONOGRAPHY



DENTAL PLAN




VOLUNTARY BENEFITS


(HRA)


(HSA)TELEMEDICINE


Face-to-face counseling sessions. Four visits per issue at no cost. If additional visits are needed, they may be coordinated under your medical plan, though you do not need to use your EAP before accessing counseling benefits under the Verso medical plans.

Parenting. Guidance on child development, sibling rivalry, separation anxiety and much more.

01

Legal consultation. Receive a 30-minute free consultation and up to a 25% discount on select fees.

02

Debt counseling. Receive 30-minute free telephonic consultation with a credit counselor.

03

04

Senior care. Learn about challenges and solutions associated with caring for an aging loved one.

05

Child care. Whether you need care all day or just after school, find a place that is right for your family.

06

Need to speak with an EAP counselor? EAP counselors are available 24/7. Call 800-331-3226 or go online to the Work Life Services section of freckmanandassociates.com and enter the password: Verso

EAP Benefits Include:

Need Help? Go to transamerica.com/portal/verso/ to access tools and calculators to help you determine how much you should be saving to meet your retirement goals.

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Supplemental Critical Illness Insurance

Critical Illness insurance is designed to help offset the financial effects of a catastrophic illness. With this coverage, you receive a lump sum benefit in the event that you are diagnosed with and/or receive treatment for a covered critical illness.

Critical Illness: How Does It Work? • No medical questions. Plans are guaranteed issue

during enrollment.

• You can elect benefit amounts of $5,000, $10,000, $15,000 or $20,000.

• Pays a lump-sum benefit at the diagnosis of a covered illness.

• Coverage is available for you, your spouse and dependent children.

• Coverage is portable—you can take it with you if you change jobs or retire.

With Critical Illness insurance, benefits are paid directly to you to help cover: • Deductibles, copays and co-insurance of your health

insurance

• Home health care needs and household modifications

• Travel expenses to and from treatment centers

• Lost income

• Rehabilitation

• Child care expenses and more

Supplemental Accident Insurance

Accidents happen when you least expect them and can include motor vehicle accidents, sports injuries, slips, falls or just every day mishaps. A supplemental accident policy from Aflac may pay cash to help you offset the expenses associated with accidents or injuries.

Accident Insurance: How Does It Work? • No medical questions. Plans are guaranteed issue during

enrollment.

• Pays a lump-sum tax-free benefit based on type of injury sustained and treatment needed.

• Covered injuries include broken bones, cuts, burns, eye injuries, ruptured discs, etc.

• Coverage is available for you, your spouse and dependent children.

• Coverage is portable - you can take it with you if you change jobs or retire.

With Accident Insurance, benefits are paid directly to you to help with the costs associated with out-of-pocket expenses and bills such as: • Emergency room visits

• Surgery and anesthesia

• Bandages, stitches and casts

• Ambulance rides

• Wheelchairs, crutches and other medical appliances

MetLife® Auto & Home Insurance MetLife’s voluntary Auto & Home group insurance program is available to all Verso employees. As part of the program, you have access to special group discounts on auto and home insurance*, as well as a variety of other insurance policies.

* Specific coverage offerings and discounts depend on state insurance rules. Speak to a MetLife representative for more information.

Convenient Home Billing Payroll deduction is not available for this insurance coverage. You will be billed at home at the discounted rates.

Get a Price Quote To get a price quote for Auto and Home insurance, call 800-GET-MET8 (800-438-6388).

ICONOGRAPHY



DENTAL PLAN




VOLUNTARY BENEFITS


(HRA)


(HSA)TELEMEDICINE


VOLUNTARY BENEFITS

Verso makes convenient premium payments (on a post-tax basis) available to you through payroll deduction if you elect the following Aflac coverage(s). The information below is provided for convenience. These coverages are not a part of Verso’s Health and Welfare Benefit Plan. If you have questions, contact Aflac at 800-992-3522.

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BENEFITS ELIGIBILITY & COVERAGEBenefit Eligibility Waiting Period • Eligibility begins on the first day of the month

following your date of hire.

When Coverage Ends Flexible Spending Accounts and Disability Coverage: • Coverage ends on the last day of employment.

Life Insurance and Other Benefits: • Coverage ends on the last day of the month in

which you terminate employment or become ineligible for benefits.

Changing Benefits After Enrollment After enrollment, you may change your benefit elections only if you have a qualifying life event, which include:

• Change in marital status

• Gain/loss of other coverage

• Employment change that affects your benefits

• You or a dependent becomes eligible for Medicare or Medicaid

• Gain/loss of dependent

IMPORTANT! All changes related to qualified life events must be made within 31 days of the event. The only exceptions are changes related to Medicaid or Children’s Health Insurance Plan events, and the birth, adoption or placement for adoption of a child, which allow 60 days.

Dependents Required Verification Documents To add dependents to your benefit plans you must provide the following documentation no later than 30 days after your enrollment date. Unverified dependents will not receive benefits coverage.

• Spouse: Marriage license

• Natural childbirth: Birth certificate

• Step child: Birth certificate and marriage license showing both parents’ names

• Dependent children, legal guardian, adopted or foster children: Final court order or legal guardianship with judge’s signature and or final adoption decree with judge’s signature

IMPORTANT! After you complete enrollment, dependents cannot be added to your coverage for the 2020 plan year unless you experience a qualified life event, so be sure to add them correctly to each benefit you elect.

ICONOGRAPHY



DENTAL PLAN




VOLUNTARY BENEFITS


(HRA)


(HSA)TELEMEDICINE


How do I change my benefits if I have a qualifying life event?To change your benefits, log in to MyVersoBenefits.com, click on “Life Events” and complete the appropriate status change request.

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Be sure to update beneficiaries on your life insurance and Retirement Savings Plan account if you have a qualifying life event.

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Make your benefit selections on the pages that follow. Make sure to read all information carefully and save your selections on each page before continuing. Be careful to check the boxes next to the names of the dependents to be covered or they will not have coverage in 2020.

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IMPORTANT!

After completing your benefit selections, review them carefully. Use the “Edit” buttons to make any needed changes.

Print a copy of your 2020 elections using the printer icon at the top right of the page. You can also email yourself a copy of your 2020 benefit elections using the envelope icon.

Click on “FINISH ELECTIONS.” You MUST complete this step to enroll in benefits for 2020.

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Register your 2020 username and set your password on the “Welcome” page.

Username: Up to the first six letters of your last name, the first letter of your first name and the last four digits of your Social Security Number (e.g., the user name for John Smythe would be smythej1234).

Password: Your full Social Security number without dashes. Once you have logged in using this password, you will be immediately prompted to create a new password and will use this new password for future sign in.

Click “Sign In” to proceed to the introduction page. Once you have read the introduction messages, click “Get Started.”

02Answer the questions about tobacco use and spouse work status.

05

Need Assistance?800-422-6103 Option 5, Sub-option 3 Monday–Friday, 8 am–5 pm Central Time

Complete your personal information.

03

Go online to MyVersoBenefits.com and click “Log In Here to Enroll.”

01Add dependent and beneficiary information. Be sure to read the instructions carefully.

04

HOW TO ENROLL IN 2020 BENEFITS

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IMPORTANT RIGHTS AND INFORMATION

You may not need to take action on these notices. We are required by law to provide the enclosed notices about your benefits.

Refer to the Medicare Part D notice that explains prescription options for Medicare-eligible individuals. The information can help you decide whether to enroll in coverage. Annual Enrollment for Medicare Part D coverage runs October 15 through December 7. If you and your family members are not eligible for Medicare, you may disregard the notice.

Availability of Summary of Benefits and Coverage (SBC) Provides information about receiving a standard summary of your health coverage so you can compare your options.

As an employee, the health benefits available to you represent a significant component of your compensation package. They also provide important protection for you and your family in the case of illness or injury.

You have available to you a series of health coverage options. Choosing a health coverage option is an important decision. To help you make an informed choice, your plan makes available a Summary of Benefits and Coverage (SBC), which summarizes important information about any health coverage option in a standard format, to help you compare across options.

You can view the applicable SBCs on our website at MyVersoBenefits.com. A paper copy is also available, free of charge, by calling the Verso Benefits Group at 937-528-3608.

Health Insurance Portability and Accountability Act of 1996 (HIPAA) The Health Insurance Portability and Accountability Act of 1996 (HIPAA) provides for protection of personal health information and stipulates who may have access to the information. Protected health information includes identifiable information about you and your covered dependents, and your patient records.

Protected health information can only be used or disclosed in certain instances as permitted by HIPAA or with the consent or authorization of the individual. The Plan administrator may grant access to protected health information only as necessary to fulfill its obligations to the Plan. In no way may protected health information be disclosed for employment purposes. In addition, you have the right to request a copy of

your health information, and may make changes to correct errors. You may also request an accounting of all disclosures of your protected health information.

Notice of Privacy Practices is available on MyVersoBenefits.com under the Legal Notices tab, a paper copy is also available free of charge by calling the Verso Benefits Group at 937-528-3608.

Newborns Act Disclosure - Federal Group health plans and health insurance issuers generally may not, under Federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, Federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under Federal law, require that a provider obtain authorization from the plan or the insurance issuer for presribing a length of stay not in excess of 48 hours (or 96 hours).

IMPORTANT NOTE: A summary of Verso’s plans, summary of benefits and coverage, notice of privacy practices and wrap up summary plan descriptions are available on our website at MyVersoBenefits.com.

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Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP) If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit healthcare.gov.

If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.

If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 877-KIDS NOW or insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan.

If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at askebsa.dol.gov or call 866-444-EBSA (3272).

MEDICAID AND CHIP

If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of July 31, 2019. Contact your State for more information on eligibility.

Alabama - Medicaid Florida - Medicaid

Website: http://myalhipp.com/Phone: 855-692-5447

Website: http://flmedicaidtplrecovery.com/hipp/Phone: 877-357-3268

Alaska - Medicaid Georgia - Medicaid

The AK Health Insurance Premium Payment ProgramWebsite: http://myakhipp.com/Phone: 866-251-4861Email: [email protected] Eligibility: http://dhss.alaska.gov/dpa/Pages/medicaid/default.aspx

Website: https://medicaid.georgia.gov/health-insurance-premium-payment-program-hippPhone: 678-564-1162 ext. 2131

Arkansas - Medicaid Indiana - Medicaid

Website: http://myarhipp.com/Phone: 855-MyARHIPP (855-692-7447)

Healthy Indiana Plan for low-income adults 19-64Website: http://www.in.gov/fssa/hip/Phone: 877-438-4479All other MedicaidWebsite: http://www.indianamedicaid.comPhone: 800-403-0864

Colorado - Health First Colorado (Colorado’s MedicaidProgram) & Child Health Plan Plus (CHP+) Iowa - Medicaid

Health First Colorado Website: https://www.healthfirstcolorado.com/Health First Colorado Member Contact Center:800-221-3943/ State Relay 711CHP+: https://www.colorado.gov/pacific/hcpf/child-health-plan-plusCHP+ Customer Service: 800-359-1991/ State Relay 711

Website:http://dhs.iowa.gov/hawk-iPhone: 800-257-8563

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MEDICAID AND CHIP CONTINUED

Kansas – Medicaid New Hampshire - Medicaid

Website: http://www.kdheks.gov/hcf/Phone: 785-296-3512

Website: https://www.dhhs.nh.gov/oii/hipp.htmPhone: 603-271-5218Toll free number for the HIPP program: 1-800-852-3345, ext. 5218

Kentucky - Medicaid New Jersey - Medicaid and CHIP

Website: https://chfs.ky.govPhone: 800-635-2570

Medicaid Website:http://www.state.nj.us/humanservices/dmahs/clients/medicaid/Medicaid Phone: 609-631-2392CHIP Website: http://www.njfamilycare.org/index.htmlCHIP Phone: 800-701-0710

Louisiana - Medicaid New York - Medicaid

Website: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331Phone: 888-695-2447

Website: https://www.health.ny.gov/health_care/medicaid/Phone: 800-541-2831

Maine - Medicaid North Carolina - Medicaid

Website: http://www.maine.gov/dhhs/ofi/public-assistance/index.htmlPhone: 800-442-6003TTY: Maine relay 711

Website: https://medicaid.ncdhhs.gov/Phone: 919-855-4100

Massachusetts - Medicaid and CHIP North Dakota - Medicaid

Website: http://www.mass.gov/eohhs/gov/departments/masshealth/Phone: 800-862-4840

Website: http://www.nd.gov/dhs/services/medicalserv/medicaid/Phone: 844-854-4825

Minnesota - Medicaid Oklahoma - Medicaid and CHIP

Website:https://mn.gov/dhs/people-we-serve/seniors/health-care/health-care-programs/programs-and-services/other-insurance.jspPhone: 800-657-3739

Website: http://www.insureoklahoma.orgPhone: 888-365-3742

Missouri - Medicaid Oregon - Medicaid

Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htmPhone: 573-751-2005

Website: http://healthcare.oregon.gov/Pages/index.aspxhttp://www.oregonhealthcare.gov/index-es.htmlPhone: 800-699-9075

Montana - Medicaid Pennsylvania - Medicaid

Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPPPhone: 800-694-3084

Website: http://www.dhs.pa.gov/provider/medicalassistance/healthinsurancepremiumpaymenthippprogram/index.htmPhone: 800-692-7462

Nebraska - Medicaid Rhode Island - Medicaid

Website: http://www.ACCESSNebraska.ne.govPhone: 855-632-7633Lincoln: 402-473-7000Omaha: 402-595-1178

Website: http://www.eohhs.ri.gov/Phone: 855-697-4347, or 401-462-0311 (Direct RIte Share Line)

Nevada - Medicaid South Carolina - Medicaid

Medicaid Website: http://dhcfp.nv.govMedicaid Phone: 800-992-0900

Website: https://www.scdhhs.govPhone: 888-549-0820

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OMB Control Number 1210-0137 (expires 12/31/2019)

MEDICAID AND CHIP CONTINUED

South Dakota - Medicaid Washington - Medicaid

Website: http://dss.sd.govPhone: 888-828-0059

Website: http://www.hca.wa.gov/Phone: 800-562-3022 ext. 15473

Texas – Medicaid West Virginia - Medicaid

Website: http://gethipptexas.com/Phone: 800-440-0493

Website: http://mywvhipp.com/Toll-free phone: 855-MyWVHIPP (1-855-699-8447)

Utah - Medicaid and CHIP Wisconsin - Medicaid and CHIP

Medicaid Website: https://medicaid.utah.gov/CHIP Website: http://health.utah.gov/chipPhone: 877-543-7669

Website: https://www.dhs.wisconsin.gov/publications/p1/p10095.pdfPhone: 800-362-3002

Vermont - Medicaid Wyoming - Medicaid

Website: http://www.greenmountaincare.org/Phone: 800-250-8427

Website: https://wyequalitycare.acs-inc.com/Phone: 307-777-7531

Virginia - Medicaid

Medicaid Website: http://www.coverva.org/programs_premium_assistance.cfmMedicaid Phone: 800-432-5924CHIP Website: http://www.coverva.org/programs_premium_assistance.cfmCHIP Phone: 855-242-8282

Paperwork Reduction Act Statement According to the Paperwork Reduction Act of 1995 (Pub. L. 104-13) (PRA), no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA, and displays a currently valid OMB control number, and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number. See 44 U.S.C. 3507. Also, notwithstanding any other provisions of law, no person shall be subject to penalty for failing to comply with a collection of information if the collection of

information does not display a currently valid OMB control number. See 44 U.S.C. 3512.

The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent. Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor, Employee Benefits Security Administration, Office of Policy and Research, Attention: PRA Clearance Officer, 200 Constitution Avenue, N.W., Room N-5718, Washington, DC 20210 or email [email protected] and reference the OMB Control Number 1210-0137.

To see if any other states have added a premium assistance program since July 31, 2019, or for more information on special enrollment rights, contact either:

U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272)

U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565

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MEDICARE PART D PRESCRIPTION DRUG COVERAGE

Medicare Part D Prescription Drug Coverage—Notice of Creditable Prescription Drug Coverage Explains the prescription options available to those eligible for Medicare and can help you decide whether or not to enroll in coverage. At the end is information about where you can get help to make decisions about your prescription drug coverage.

Note: If you enroll in one of the Medicare-approved plans which offer prescription drug coverage, you may need to provide a copy of this notice to show you are not required to pay a higher premium amount.

Medicare prescription drug coverage became available in 2006 to everyone with Medicare through Medicare prescription drug plans and Medicare Advantage Plans that offer prescription drug coverage. All Medicare prescription drug plans provide at least a standard level of coverage set by Medicare. Some plans may offer more coverage for a higher monthly premium.

Verso Corporation has determined that the prescription drug coverage offered by the Verso medical plans is, on average for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage will pay and is considered Creditable Coverage.

Because your existing coverage is on average at least as good as standard Medicare prescription coverage, you can keep the Verso coverage and not pay extra if you later decide to enroll in Medicare prescription coverage. Individuals can enroll in a Medicare prescription drug plan when they first become eligible for Medicare and each year from October 15 through December 7. Beneficiaries leaving employer/union coverage may be eligible for a Special Enrollment Period to sign up for a Medicare prescription drug plan. You should compare your current coverage, including which drugs are covered, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area.

If you decide to enroll in a Medicare prescription drug plan and elect to drop your Verso combined medical and prescription drug coverage, be aware that you and your dependents will not be able to get the Verso coverage back. Please contact us for more information about what happens to your coverage if you enroll in a Medicare prescription drug plan. You should also know that if you drop or lose your coverage with Verso and don’t enroll in Medicare

prescription drug coverage after your current coverage ends, you may pay more (a penalty) to enroll in Medicare prescription drug coverage later. If you go 63 days or longer without prescription drug coverage that’s at least as good as Medicare’s prescription drug coverage, your monthly premium will go up at least one percent per month for every month that you did not have that coverage. For example, if you go 19 months without coverage, your premium will always be at least 19 percent higher than what many other people pay. You’ll have to pay this higher premium as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to enroll.

For more information about this notice or your prescription drug coverage, contact Verso Benefit Group at 937-528-3608. You may receive this notice at other times in the future, such as before the next period you can enroll in Medicare prescription drug coverage, and if your Verso coverage changes. You also may request a copy.

For more information about your options under Medicare, the “Medicare & You” handbook contains more detailed information about Medicare plans that offer prescription drug coverage. If you’re eligible for Medicare coverage, you’ll receive a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. For more information about Medicare prescription drug plans:

• Visit medicare.gov.

• Call your State Health Insurance Assistance Program (see your copy of the Medicare & You handbook for the telephone number).

• Call 800-MEDICARE (800-633-4227). TTY users, call 877-486-2048.

• For people with limited income and resources, extra help paying for a Medicare prescription drug plan is available. Information about extra help is available from the Social Security Administration online at socialsecurity.gov or by calling 800-772-1213 (TTY 800-325-0778).

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SPECIAL ENROLLMENT RIGHTS

HIPAA Special Enrollment Rights—Loss of Other Group Health Plan Coverage or Acquisition of a New Dependent Under the Health Insurance Portability and Accountability Act (HIPAA) a special enrollment period for group health plan coverage may be available if you lose coverage under certain conditions or when you acquire a new dependent by marriage, birth, adoption, or placement for adoption.

If you decline enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to enroll yourself and your dependents in the Verso Plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your other dependents’ other coverage). However, you must request enrollment and provide supporting documentation within 31 days after your or your dependents’ other coverage ends (or after the employer stops contributing toward the other coverage).

In addition, if you have a new dependent as a result of a marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must request enrollment and provide supporting documentation within 31 days after the marriage, or within 60 days after the birth, adoption, or placement for adoption.

To request HIPAA special enrollment, use the MyVersoBenefits.com website. You must make a timely enrollment request and provide supporting documentation by the applicable deadline described above when requesting HIPAA special enrollment. If you timely request enrollment and provide supporting documentation, coverage will be effective for those enrolled as of the date of the event.

CHIPRA Special Enrollment Rights—Medicaid—or CHIP-Related Events Under the Children’s Health Insurance Program Reauthorization Act (CHIPRA), a special enrollment period for group health plan coverage may be available if you or your dependent(s) lose coverage under a Medicaid plan under Title XIX of the Social Security Act (“Medicaid”) or under a state Children’s Health Insurance Program (“CHIP”), if that coverage is terminated due to a loss of eligibility, or if you or your dependent(s) become eligible for financial assistance under Medicaid or CHIP with respect to coverage under the Verso Plan. However, you must request enrollment within 60 days of the occurrence of either of these events.

To request CHIPRA special enrollment, use the use the MyVersoBenefits.com website. You must make a timely enrollment request and provide supporting documentation when requesting CHIPRA special enrollment. If you timely request enrollment and provide supporting documentation, coverage will be effective for those enrolled as of the date of the event.

If you have any questions about the special enrollment rights described above, you may email [email protected] and/or visit MyVersoBenefits.com or use the Verso One Number as follows:

• Verso One Number: 800-422-6103 (select option 5, sub-option 3) Available Monday—Thursday 8 a.m. to 5 p.m. CST; and Friday 8 a.m. to 4 p.m. CST

You may also contact the Plan Administrator:Benefits Plan Administration Committee Verso Corporation c/o Verso Benefits Group 8540 Gander Creek Drive Miamisburg, OH 45342

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BENEFITS CONTACTS

Medical Plans Anthem Blue Cross Blue Shield 800-422-6103 (option 1) Anthem.com Monday–Friday, 8 am–8 pm EST

Dental Plan Cigna 800-244-6224 Cigna.com 24 hours a day, 7 days a week

Vision Plan Humana 866-537-0229 Humana.com Monday–Saturday, 6:30 am–10 pm CST Sunday, 10 am–7 pm CST

FSA/HRA HealthEquity866-375-1323 HealthEquity.com 24 hours a day, 7 days a week

Employee Benefit Advocacy BenefitHelp™ 800-422-6103 (option 8) MyVersoBenefits.com Monday–Thursday, 8 am–5 pm CST Friday, 8 am–4 pm CST

Life Insurance & Disability Cigna 800-362-4462 Cigna.com 24 hours a day, 7 days a week

Employee Assistance Program Freckman & Associates 800-331-3226 FreckmanandAssociates.com Monday–Friday, 8 am–5 pm CST

General Benefit Questions Verso One Number 800-422-6103 (option 5, then 3) Monday–Thursday, 8 am–5 pm CST Friday, 8 am–4 pm CST

401(k) Transamerica 800-422-6103 (option 4) transamerica.com/portal/verso/ Monday–Friday, 8 am–5 pm CST

Critical Illness & Accident AFLAC 800-992-3522 AFLAC.com 24 hours a day, 7 days a week

Group Auto & Home Insurance MetLife® 855-975-3329 MetLife.com/versocorporation 24 hours a day, 7 days a week

The information included in this guide is intended to summarize the benefits offered in language that is clear and easy to understand. Every effort has been made to ensure that this information is accurate. It is not intended to replace the legal plan document or insurance contract, which contains the complete provisions of the program. In case of any discrepancy between this handout and the legal plan document or insurance contract, the legal plan document or (contract) will govern in all cases. A participant or beneficiary may review the legal plan documents upon request. Verso Corporation reserves the right to suspend, revoke or modify the benefit programs offered to employees at any time.

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