YOUR GUIDE TO 2018 BENEFITS ROCKFORD/COLORADO CHOOSING THE ... Guide... · YOUR GUIDE TO 2018...

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YOUR 2018 BENEFITS

YOUR GUIDE TO 2018 BENEFITS ROCKFORD/COLORADO

CHOOSING THE RIGHT BENEFITS FOR YOU AND YOUR FAMILY

Open Enrollment 2

What’s New in 2018 3

Who Is Eligible to Enroll 4

How to Enroll 5

Medical and Prescription Drug Benefits 6

Dental Benefits 13

Vision Benefits 14

Health Care Premiums 15

Flexible Spending Accounts (FSAs) 16

Life and AD&D Insurance 18

Disability Insurance and EAP 20

Vacation 21

Voluntary Benefits Introduction 22

Group Auto & Home Insurance 23

Whole Life Insurance 25

Critical Illness Insurance 26

Hyatt Legal Plan 27

Telephone and Website Directory 28

This Benefits Guide contains highlights only and is subject to change. The specific terms of coverage, exclusions, and limitations are detailed in the Plan Documents or insurance certificates. If you have any questions, please contact your local Benefits Administrator. You may also refer to the Telephone and Website Directory page of this guide for a list of phone numbers.

CONTENTS

YOUR 2018 BENEFITS

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OPEN ENROLLMENTNOVEMBER 1 - NOVEMBER 8

During this time, you’ll have a chance to enroll in, change, or waive your Medical/Prescription Drug, Dental/Vision, Health Care and Dependent Care Flexible Spending Accounts, and Voluntary Coverage Options. This guide is designed to assist you in that process. Below are important steps you should take to make your benefit selections.

• Read this Benefits Guide carefully to understand each benefit plan and the steps to follow to enroll in your 2018 benefits or change your current elections.

• Review the Medical Plan Summary of Benefits and Coverage (SBC) included in this mailing. You can also review the SBC Uniform Glossary at www.dol.gov/ebsa/healthreform. Note: The Coverage Examples in the SBC do not reflect the Health Reimbursement Account (HRA), PreventiveRx, or the 100% benefit for services received within the Woodward Health Center.

If you have questions regarding the plan options or need assistance related to the Open Enrollment process, please contact your local Benefits Administrator.

Open Enrollment is the time to review your benefits, consider what’s new for 2018, and choose the benefits that will best meet your needs in the coming year.

Visit https://wss.woodward.com/health. This site provides more detailed information about the benefits and your coverage options.

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YOUR 2018 BENEFITS

Effective January 2018, CVS Caremark will be Woodward’s new pharmacy provider for the Anthem administered health plans, replacing Express Scripts and Accredo Specialty Pharmacy.

You’ll be able to choose from more than 68,000 retail pharmacies nationwide, including independent pharmacies, and chain pharmacies such as Walmart, Walgreens, Meijer, Shopko, King Sooper, and 9,600 CVS locations (including those inside Target stores).

CVS Caremark will serve as your mail order and specialty pharmacy.

We think you’ll find the enhanced member service level to be worth the change. For example, you’ll be able to pick up your 90-day supply of maintenance medications (such as blood pressure) directly from the CVS Pharmacy If you choose to do so.

On November 1, you’ll receive a CVS website link that will allow you to check preventive drug, preferred (formulary) drugs, and costs from home, office, etc. You’ll also find a pharmacy locator to find the location closest to you!

In December, you’ll receive a Welcome Kit from CVS Caremark that includes more information about your new prescription benefit program.

WHAT’S NEW IN 2018

Effective December 4, register at Caremark.com to make the most of your prescription benefits.

• Find network pharmacies

• Refill medication and check order status

• Check drug costs

• View prescription history

YOUR 2018 BENEFITS

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WHO IS ELIGIBLE TO ENROLLYou are eligible to enroll if you are an active full-time or benefit-eligible part-time member who works 20 hours or more per week and has completed 30 days of employment.

Eligible dependents may include your:

• Lawful spouse;

• Child (up to age 26); or

• Certified domestic partner.

Note: The term “child” means a child born to you, a child legally adopted by you, a stepchild, or a child related to you by blood or marriage and you are the legal guardian. A dependent child who is no longer eligible due to attainment of the limiting age of 26 is eligible to continue benefits under COBRA.

Changing Benefit ElectionsDuring the annual Open Enrollment period, you can change coverages for the next calendar year.

After the annual Open Enrollment period, you may be able to change your coverage if you have a qualifying event. The following list highlights these qualifying events, but is not limited to a change in:

• Marital status (marriage, death of spouse, divorce, legal separation);

• Number of dependents (birth, death, adoption, change in child custody, eligibility status, child support order);

• Employment status for you or your spouse (commencement, termination, leave of absence, full-time to part-time or vice versa); and

• Spouse’s employer-sponsored coverage (plan offerings change).

MARRIED WOODWARD COUPLESIf you and your spouse both work at Woodward:

• You are covered as either a member or spouse, but not both; and

• Children are covered by one parent only.

For health insurance coverage:

• Married members have the option to cover the entire family under one health care plan;

• Only one member elects health coverage insuring the other Woodward member as a “spouse”; and

• The “spouse” waives health coverage as a member.

For life insurance coverage:

• Married members cannot elect spouse life coverage; and

• Only one member can elect dependent child(ren) life coverage.

CHANGING BENEFITS MID-YEAR

Any benefit changes during the year must be made within 30 days of the qualifying event. If you miss that deadline, you must wait for the next Open Enrollment. For more details about qualifying events, refer to the Summary Plan Description.

DEPENDENTS UP TO AGE 26

Our health care plans will extend coverage for adult children through the entire calendar month in which he or she attains age 26.

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YOUR 2018 BENEFITS

HOW TO ENROLLTo access the Open Enrollment portal:1. Log in to INFOR (use your individual username and password). You can access the INFOR

Login from the home page of Inside Woodward using the link at the bottom of the page under Quick Navigation.

2. Click on To Do from the menu, hover over Pay And Benefits and click on Open Enrollment.

3. Log in to Lawson Benefit Enrollment (use your individual username and password).

4. Click on Continue to begin your enrollment. Please be sure to read and follow all system prompts.

REMINDER: ENROLLMENT IS MANDATORY!

Failure to complete the online enrollment process will result in you having no benefits for 2018.

ENROLLMENT TIPS

• To view a plan description of any benefit, simply click on the link such as Woodward Health Center Plan to learn more.

• To add a qualified dependent to your plan, you will need to contact your local Benefits Administrator.

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Woodward Health Center (WHC) PlanThe WHC Plan is an innovative approach to providing health care for you and your family. Here is what you need to know about this new plan:

IT’S CONVENIENT• One stop for most care. The majority

of your care is provided at one of our Woodward Health Centers. With just one stop, you can see the doctor, have routine testing performed (such as labs, mammograms, etc.), and receive basic, one-time prescriptions (such as antibiotics).

• Same-day or next-day appointments.

• No claim forms. There are no claim forms to complete and less paperwork overall.

• Wellness programs and services. You can access our wellness programs and services at the WHC, making it easier to stay healthy.

IT’S COST-EFFECTIVE• No cost to you for care at a WHC. No out-

of-pocket expenses for care provided at the Woodward Health Centers.

IT’S PERSONALIZED• Personalized service. As soon as you

walk through the WHC door, you receive personalized service to make your health care visits as comfortable as possible.

• Patient Support Specialists/Care Navigators. They help you transition any records and schedule your appointments at the WHC or with any needed referrals.

• Care Coordinators. Your Care Coordinator helps you manage all of your health care needs, whether with your Primary Care Physician at the WHC or with any needed specialists.

Visit the Reimagine Your Health website at https://wss.woodward.com/health for the latest, detailed information about the plans and CVS Caremark. This site can be accessed from work or at home anytime. You can also find information at www.anthem.com/woodward.

WATCH FOR NEW CARDS IN DECEMBER

Both Anthem and CVS Caremark will mail new ID cards to your home in December.

Using the Woodward Health Center (WHC) Is Easy

Meet with your Care Coordinator and Primary Care Physician to start your health care program.

Most of your care can be completed at the WHC.

When referrals or outside tests are required, the WHC staff will take care of it for you.

Call and set up appointments for you and your dependents.

MEDICAL AND PRESCRIPTION DRUG BENEFITS

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YOUR 2018 BENEFITS

OneWoodward Health PlanThe OneWoodward Health Plan is a consumer-driven plan administered through Anthem with first dollar coverage provided by the company using a Health Reimbursement Account (HRA).

Here is how the OneWoodward Health Plan works:

• For 2018, Woodward will credit your HRA account—$750 for single coverage and $1,500 for family coverage—that will be applied to your deductible and other out-of-pocket medical and prescription drug costs. At year end, any unused dollars in the HRA will roll over and be available in the next plan year.

• In-network preventive care is covered at 100%—no out-of-pocket costs. This encourages you and your covered family members to get regular check-ups.

• When you need care:

− First you meet your deductible (HRA balance will be applied).

− Once you meet the deductible, you and the plan share expenses (referred to as coinsurance).

− Once you meet the plan’s out-of-pocket maximum, the plan pays 100% of your eligible expenses for the remainder of the plan year.

This plan design integrates the medical and prescription drug coverage, which means your prescription benefits are built in to your medical plan. Both medical and prescription costs (except PreventiveRx, see following pages) are applied to the HRA, deductible, and out-of-pocket maximums.

Coordination of BenefitsThe OneWoodward Health Plan adheres to the following Coordination of Benefits (COB) rules when paying claims:

• When a working spouse has other coverage through his or her employer, and is also covered under the OneWoodward Health Plan, his or her employer’s plan is primary and pays first.

• If a child is covered by both parents, the plan of the parent whose birthday falls first during the calendar year is the primary plan for the child.

• COB does not apply to prescriptions.

For more information, visit the Reimagine Your Health website at https://wss.woodward.com/health, or www.anthem.com/woodward, or caremark.com.

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Medical Plan Comparison The chart below provides a summary of the plan features under both the Woodward Health Center Plan and the OneWoodward Health Plan. For more information on both plans, visit the Reimagine Your Health website at https://wss.woodward.com/health.

2017 Woodward Health Center Plan Summary OneWoodward Plan Summary

Coverage In Woodward Health Center (WHC)

Non-Referred In-Network (Anthem)

Non-Referred Out-of-Network

In-Network (Anthem)

Out-of-Network

Comprehensive annual health maintenance physicals (preventive care)

100% covered

60%, after deductible

60%, after deductible, of Maximum Allowed Amount

100% covered 60% after deductible, of Maximum Allowed Amount

Acute care for illness and injury 60%, after deductible


90% after deductible

60% after deductible, of Maximum Allowed Amount

Well child visits and CDC ACIP recommended immunizations



100% covered 60% after deductible, of Maximum Allowed Amount

Anticoagulation management services





Imaging (professional fee will require coordination with Anthem)• Routine digital radiographs (e.g.

chest, extremities)• Bone density testing/screening• Digital 2D mammography



100% covered if Preventive, otherwise 90% after deductible


Sports medicine consultations 60%, after deductible




Basic Laboratory Services, including:• CLIA-waived POC testing• Labs associated with annual health

maintenance visit• Complete Blood Count (CBC)• Urinalysis• Comprehensive metabolic panel• Lipid panel



100% covered if Preventive, otherwise 90% after deductible


Minor surgical procedures 60%, after deductible




Joint and soft tissue injections (if indicated)





Lifestyle and Disease Management Health Services: Health assessments, biometric screenings, and coaching

N/A N/A N/A N/A

Pharmacy consultations for complex medication management

N/A N/A N/A N/A

Limited generic prescription medication dispensing

N/A N/A N/A N/A

Care Coordination N/A N/A N/A N/A

Note: There may be Referred Benefit services available at a WHC location; your care coordinator will assist with the determination of any potential out-of- pocket expenses associated with Referred Benefit services.

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YOUR 2018 BENEFITS

Woodward Health Center Plan Summary OneWoodward Plan Summary

Benefits Outside of Woodward Health Center

Design Feature ReferredBenefits

Non-ReferredIn-Network (Anthem)

Non-ReferredOut-of-Network

In-Network (Anthem)

Out-of-Network

Annual Individual DeductibleNote: Medical and Rx out-of-pocket amounts apply

None$300

$1,500 Individual Deductible$750 Health Reimbursement Account

Annual Family DeductibleNote: Medical and Rx out-of-pocket amounts apply

None$600

$3,000 Family Deductible$1,500 Health Reimbursement Account

Individual Out-of-Pocket Amount $2,500 $7,500 $2,500 $5,000

Family Out-of-Pocket Amount $5,000 $15,000 $5,000 $10,000

Coinsurance 100% (after any applicable copays)





Office Visit Coverage—PCP (non preventative)

$30 copay 60% after deductible




Office Visit Coverage—Specialist $30 copay 60%, after deductible




Office Visit Coverage—Mental Health Treatment/ Substance abuse

100% covered 60% after deductible




Hospital Copayment (per admission) $300 copay 60%, after deductible




Emergency Room CoverageNote: Emergency Room Care that is not a TRUE emergency will be covered based on Referred, Non-Referred In-Network and Non-Referred Out-of- Network level of service

$150 copay $150 copay $150 copay 90%, after deductible


Urgent Care Coverage $35 copay 60% after deductible




OP Surgical Coverage $200 copay 60% after deductible




Advanced Radiology Coverage(Magnetic Resonance Imaging (MRI), Computerized Tomography (CT scans), Positron Emission Tomography (PET scan), Magnetic Resonance Spectroscopy (MRS scan), Magnetic Resonance Angiogram (MRA scan), Echocardiography, and nuclear cardiac imaging)

$100 copay 60% after deductible




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Other Covered Services

ReferredBenefits

Non-ReferredIn-Network (Anthem)

Non-ReferredOut-of-Network

In-Network (Anthem)

Out-of-Network

Home Health Care 100% covered 60% after deductible 60%, after deductible, of Maximum Allowed Amount

90% after deductible 60% after deductible, of Maximum Allowed Amount

Skilled Nursing Facility $300 copay 60% after deductible 60%, after deductible, of Maximum Allowed Amount


Hospice Care 100% covered 60% after deductible 60%, after deductible, 90% after deductible 60% after deductible, of Maximum Allowed Amount

Infertility Diagnosis—diagnosis only

Related Office Visits - office visit copay; Any other in-network services - 100% covered after deductible

60% after deductible of Maximum Allowed Amount


Transplant Services 100% covered 60% after deductible Not Covered 90% after deductible Not Covered

Durable Medical Equipment 100% covered 60% after deductible 60%, after deductible, of Maximum Allowed Amount


Acupuncture 100% covered 60% after deductible 60%, after deductible, of Maximum Allowed Amount


Chiropractic Services $15 copay (referral not required)

$15 copay (referral not required)



TMJ 100% covered 60% after deductible 60%, after deductible, of Maximum Allowed Amount


Emergency Ambulance Service

100% covered 100% covered 100% covered 90% after deductible 90% after deductible

Hearing ExamsNote: Preventive Screenings covered at 100%

80% covered 80% covered 80% of Maximum Allowed Amount

80% covered 80% of Maximum Allowed Amount

Hearing Aids 80% covered 80% covered 80% of Maximum Allowed Amount

80% covered 80% of Maximum Allowed Amount

Anesthesiologists (no choice if they are not contracted with Anthem)

100% covered 60% after deductible 60% after deductible 90% after deductible 60% after deductible

Bariatric SurgeryNote: no travel benefit will be provided

100% covered 60% after deductible Not Covered 90% after deductible Not Covered

Hair loss/Wigs 100% covered 100% covered 100% covered 100% covered 100% covered

In-Patient Precertification Requirement

Yes Yes Yes Yes Yes

Mental Health 100% covered outpatient;$300 copay inpatient

60% after deductible 60%, after deductible, of Maximum Allowed Amount


Substance Abuse 100% covered outpatient;$300 copay inpatient

60% after deductible 60%, after deductible, of Maximum Allowed Amount


Prosthetics 100% covered 60% after deductible 60%, after deductible, of Maximum Allowed Amount


Speech Occ. Physical Therapy

$30 copay 60% after deductible 60%, after deductible, of Maximum Allowed Amount


Note: This summary does not contain all of the provisions or limitations that apply to your Woodward benefits plans.

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YOUR 2018 BENEFITS


Prescription Drugs – RETAILCVS Caremark

Retail Pharmacy Network (Up to a 34-day supply)

CVS CaremarkRetail Pharmacy Network

(Up to a 34-day supply)

Generic Medicines (Tier 1) 10% ($20 max Copay)

10% Coinsurance, after deductiblePreferred (Formulary) Brand (Tier 2) 20% ($20 min/$50 max Copay)

Non-Preferred Brand (Tier 3) 20% ($40 min/$1,000 max Copay)

Prescription Drugs - MAILCVS Caremark Mail Service Pharmacy

or CVS Pharmacy(Up to a 90-day supply)

CVS Caremark Mail Service Pharmacy or CVS Pharmacy

(Up to a 90-day supply)

Generic Medicines (Tier 1) 10% ($40 max Copay)

10% Coinsurance, after deductiblePreferred (Formulary) Brand (Tier 2) 20% ($40 min/$100 max Copay)

Non-Preferred Brand (Tier 3) 20% ($80 min/$2,000 max Copay)

Preventive Drug List (List of drugs specific to chronic conditions.)

100% Covered 100% Covered

Note: This summary does not contain all of the provisions or limitations that apply to your Woodward benefits plans. Please see the Summary Plan Documents (SPD) for full coverage details.

Prescription Drug BenefitsBoth medical plans provide prescription drug coverage through CVS Caremark. Both plans cover the same drugs—what differs is how much each plan pays. The chart below compares prescription drug coverage under both plans.

NO COST FOR WHC-DISPENSED DRUGS

The WHC provides basic, one-time medications (such as antibiotics) so you don’t have to make a separate trip to the pharmacy.

THE TRANSITION TO CVS CAREMARKAs we transition to CVS Caremark for the Anthem administered health plans, there are some important things to keep in mind:

• Beginning November 1st, Members and dependents will be able to obtain detailed information on all programs during Open Enrollment. CVS Caremark will provide a link for Open Enrollment so members can look up specific drugs, costs and pharmacy locations. You can also contact CVS Caremark’s Customer Care Line at 844-345-3240 with questions about transition, actual cost of specific drugs, etc.

• Most current mail order prescriptions will be automatically transferred. There is no action required by you. Expired prescriptions will not transfer. If your current prescription expires before January 1, you must get a new prescription from your doctor and submit it for mail order service.

• If your current medication is not on CVS Caremark’s Preferred (Formulary) Drug List, you will receive a letter from CVS in late November.

• If you take Preventative Drug prescriptions, you will want to check CVS Caremark’s Preventative Drug List to see if your prescription is listed. CVS will provide a link to this list later this year.

• CVS Specialty Pharmacy

You will now be required to fill Specialty Medication through CVS/Specialty Pharmacy.

¢ Current Specialty Prescriptions with refills available will be transferred.

¢ Members who are currently taking Specialty Medication will receive letters from CVS in late November.

¢ CVS Specialty is designed for individuals with rare, complex or genetic conditions. Our specialty pharmacy offers convenient delivery of specialty medications or pickup at CVS Pharmacy, personalized service and educational support for your specific treatment. CVS Specialty also offers access to a clinical pharmacist anytime for any questions that may come up.

¢ Specialty Guideline Management (SGM) promotes the appropriate use of biotech/specialty medications and monitors patient safety.

¢ CVS/Specialty pharmacy Customer Care Number: 1-800-237-2767.

NEW PRESCRIPTION BENEFITS MANAGER

Beginning December 4, 2017, members can register and log into www.caremark.com to review all drug lists including Preferred (Formulary), Specialty and Preventative.

REMINDER

Fill your prescriptions before year end, to ensure you have enough to get you through the holidays and the transition period to CVS Caremark.

PREVENTIVE DRUGS

Your Current Preventative Drug List will change to CVS Caremark’s Preventative Drug List. They are not identical. Go to www.caremark.com to review the new full list beginning December 1st.

Note: Expired prescriptions will not transfer. If your current prescription expires before January 1, you must get a new prescription from your doctor and submit it for mail order service.

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YOUR 2018 BENEFITS

DENTAL BENEFITS The Dental Plan is administered by Anthem. The Dental Plan pays 100%* of the charges for regular check-ups and other preventive care. If you need other dental work, your dental benefits will help pay for these services as outlined below.

TO FIND A NETWORK DENTIST

Go to www.anthem.com/woodward.

OneWoodward Dental Plan Summary

DENTAL SERVICES In-Network (Anthem) Out-of-Network*

Class I: Diagnostic & Preventive ServicesOral examinationsX-RaysCleaningsPeriodontal Cleanings for Treatment of Gum DiseaseFluoride TreatmentsSealantsSedation/Pain Control Methods (Medically Necessary)• General Anesthesia• IV and Non-IV Sedation• Nitrous Oxide

100% covered 100% covered*

Class II: Other (Restorative)FillingsCrownsPulpal Therapy and Root Canal FillingExtractionsDenturesBridgesNight GuardsOcclusive GuardsInlaysOnlaysReliningRebasingRepairsEmergency Treatment of Dental Pain


Class I and II: Combined Annual Limit $2,000 $1,500

Class III: Orthodontia 50% covered 50% covered

Class III: Orthodontia Lifetime Limit $1,500 $1,500

Class IV: Oral SurgeryOral SurgeriesRelated ServicesPain Control Methods (Medically Necessary)• General Anesthesia• IV and Non-IV Sedation• Nitrous Oxide


Class IV: Oral Surgery Lifetime Limit No annual or lifetime limit No annual or lifetime limit

*Subject to UCR (Usual, Customary, and Reasonable) limits.Note: This summary does not contain all of the provisions or limitations that apply to your Woodward benefits plans. Dental benefit maximum (combined for participating and non participating dentists).

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VISION BENEFITS The Vision Plan is administered by Vision Service Plan (VSP). It is designed to provide for regular eye examinations and benefits toward vision care expenses including glasses and contact lenses. The plan covers standard eye examination and glasses as follows:

FINDING A PROVIDER

To find a VSP provider in your area, go to www.vsp.com and select “Signature Network.” To register for the VSP website, use the ID number on your Anthem Dental/Vision ID card.

Benefit Description Copay

Your Coverage with a VSP Provider

WellVision Exam • Focuses on your eyes and overall wellness • Every calendar year

$10

Prescription Glasses $15

Frame • $150 allowance for a wide selection of frames• $170 allowance for featured frame brands• 20% savings on the amount over your allowance• $80 Costco® frame allowance • Every other calendar year

Included in Prescription Glasses

Lenses • Single vision, lined bifocal, and lined trifocal lenses • Polycarbonate lenses for dependent children • Every calendar year

Included in Prescription Glasses

Lens Enhancements • Standard progressive lenses • Premium progressive lenses • Custom progressive lenses • Average savings of 35-40% on other lens enhancements• Every calendar year

$50$80 - $90$120 - $160

Contacts (in addition to glasses)

• $150 allowance for contacts; copay does not apply• Contact lens exam (fitting and evaluation)• Every calendar year

Up to $60

Diabetic Eyecare Plus Program

• Services related to diabetic eye disease, glaucoma and age-related macular degeneration (AMD). Retinal screening for eligible members with diabetes. Limitations and coordination with medical coverage may apply. Ask your VSP doctor for details.

• As needed

$20

Extra Savings Glasses and Sunglasses• Extra $20 to spend on featured frame brands. Go to vsp.com/

special offers for details.• 30% savings on additional glasses and sunglasses, including lens

enhancements, from the same VSP provider on the same day as your WellVision Exam. Or get 20% from any VSP provider within 12 months of your last WellVision Exam.

Retinal Screening• No more than a $39 copay on routine retinal screening as an

enhancement to a WellVision Exam

Laser Vision Correction• Average 15% off the regular price or 5% off the promotional price;

discounts only available from contracted facilities

Your Coverage with Out-of-Network Providers

Visit vsp.com for details, if you plan to see a provider other than a VSP network provider.

Coverage with a participating retail chain may be different. Once your benefit is effective, visit vsp.com for details. Coverage information is subject to change. In the event of a conflict between this information and your organization’s contract with VSP, the terms of the contract will prevail. Based on applicable laws, benefits may vary by location.

Exam ............................... up to $40 Lined Trifocal Lenses ...... up to $60Frame .............................. up to $40 Progressive Lenses ......... up to $60Single Vision Lenses...... up to $40 Contacts ........................... up to $150Lined Bifocal Lenses ..... up to $50

YOUR 2018 BENEFITS

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HEALTH CARE PREMIUMS2018 CONTRIBUTIONS (BI-WEEKLY)Colorado & Rockford

Colorado/Rockford Health Plan Options Woodward Health Center (WHC) Plan

OneWoodward Plan Dental/Vision Plan

Member $29 $35 $2

Member + Spouse/Domestic Partner $96 $116 $9

Member + Child(ren) $62 $75 $6

Family $129 $156 $13

Working Spouses Access Fee

Working Spouse Access Fee $102 (bi-weekly) N/A

Tobacco User Surcharge

Tobacco User Surcharge $46 (bi-weekly) N/A

TOBACCO USER SURCHARGE—NO CHANGE

A $100 a month surcharge is applicable to members, spouses/domestic partners, or children who enroll in one of our medical plans and who are tobacco users. The member pays a single surcharge even if multiple family members are tobacco users. Each member’s Tobacco User Status will be gathered during Open Enrollment.

SPOUSE ACCESS FEE—NO CHANGE

The spouse access fee is for members whose spouse is eligible for other employer-sponsored coverage and chooses to enroll in a Woodward medical plan.

A working spouse is defined as a dependent spouse/domestic partner who is eligible for coverage with his or her own employer. Please see our detailed Frequently Asked Questions (FAQs) on Inside Woodward for further information.

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FLEXIBLE SPENDING ACCOUNTS (FSAs)Flexible Spending Accounts (FSAs) offer you a tax-free way to set aside money for certain health care and dependent care expenses. If you have eligible expenses, an FSA may be a useful addition to your benefits package. FSA contributions are taken out of your pay before federal or state income and Social Security taxes, so 100% of each dollar you contribute goes towards your eligible expenses. As a result, you save on taxes. PayFlex administers the Flexible Spending Accounts.

Members must enroll each year to take advantage of this benefit.

Health Care FSAWant to reduce your taxable income and increase your take home pay? Enroll in an FSA and start saving money on eligible health care expenses.

Great Reasons to Enroll in a Health Care FSA

• Contribute pretax dollars from your paycheck, up to the Internal Revenue Service (IRS) limit of $2,600.

• Your full contribution is available at the start of the plan year.

• If you and your spouse both have a Health Care FSA, you can each contribute up to the IRS limit.

• Pay for eligible health care expenses for you, your spouse, and/or your tax dependents. Such expenses may include:

–Copays, coinsurance, and deductibles

–Dental expenses like orthodontia, crowns, and bridges

–Vision expenses like LASIK laser eye surgery, glasses, and contacts

–Prescription drugs and over-the-counter (OTC) items*

The maximum annual amount you can save in a Health Care FSA is $2,600. The minimum is $100.

GRACE PERIOD

The Health Care FSA gives you an additional two and a half months (through March 15) to incur expenses and use the previous year’s funds.

To log in to your account online, visit www.payflex.com.

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*OTC medication/drugs require a written prescription in order to be reimbursed through an FSA. Please go to www.payflex.com for additional information.

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YOUR 2018 BENEFITS

Dependent Care FSAIf you are paying for day care for your child who is under the age of 13 or for a spouse or dependent who is not able to take care of himself or herself, you should consider enrolling in a Dependent Care FSA. This account allows you to pay for eligible dependent care expenses such as:

• Day care

• Before and after school care

• Preschool and nursery school

• Summer day camp

Flexible Spending CardIf you were enrolled in an FSA in 2017, your PayFlex debit card will be reactivated with your 2018 election amounts. Please do not destroy your card.

For new enrollees, or those whose card has expired, you will receive a card in December 2017. This new debit card may be used beginning January 1, 2018.

SavingsThe amount you save in taxes by using one or both of these Flexible Spending Accounts depends upon your income and tax bracket. Contributions are made through payroll deductions.

Plan carefully as these plans fall under the “Use It or Lose It” rule per federal law. In other words, funds remaining in your account at the end of the year will be forfeited. For the Health Care FSA, our plan allows a “grace period.” If members do not spend their entire Health Care FSA balance by the end of the calendar year, there is an additional two-and-a-half-month “grace period” through March 15 that members can incur expenses and use their previous year’s FSA funds. Grace period claims must be paper-filed. Visit the PayFlex website at www.payflex.com or see your Benefits Administrator for the correct form.

Remember to save all of your receipts and EOBs from your insurance providers because you will be required to provide documentation for your claims and occasionally for card transactions.

Keep in mind that mid-year changes to your FSA contributions may only be made in the event of certain “qualifying events.” Please see the Summary Plan Description for more information.

The maximum annual amount you can contribute to the Dependent Care FSA is $5,000.

You cannot use your Dependent Care FSA to pay for any health care expenses (such as medical, dental, or vision care).

SAVE YOUR RECEIPTS

Remember to save all of your receipts and EOBs from your insurance providers. You may be required to provide documentation for claims and card transactions.

$

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LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) INSURANCE Woodward provides member Life and AD&D coverage based on the schedule below up to a maximum of $1,000,000.

Basic Life Basic AD&D

All Members: 2x annual base salary 2x annual base salary

Your Annual Base Salary is the yearly salary or wage you receive for your work at Woodward. It does not include bonuses, commissions, or overtime pay.

Optional Member and Dependent Term Life Insurance1

1EOI may apply. Read this section carefully.

During Open Enrollment each year, members can purchase additional life insurance as follows:

Member Multiples of $10,000; from $10,000 to $750,000

Spouse/Domestic Partner Multiples of $10,000; from $10,000 to $200,000

Child(ren) (Ages 0 - 26) $5,000, $10,000, or $20,000 per child

Please note: Term Insurance does not build cash and will increase in cost with age. The amount of Dependent Life Insurance for your spouse or child may not exceed 100% of the amount of your insurance.Note: Active at work provisions may apply.

Optional Term Life Evidence of Insurability (EOI) InstructionsEvidence of Insurability (EOI) is required:

• If a member is requesting additional life insurance on Self or Spouse/Domestic Partner that is above their current level of life coverage; or

• For late entrants—members (and their dependents) who did not purchase coverage the first time they were eligible but are now requesting coverage (regardless of the amount); or

• If a new member (first open enrollment) is choosing over $200,000 in coverage for Self or more than $20,000 in Spouse/Domestic Partner coverage.

The above changes to existing optional life insurance will require an EOI form to be completed for each dependent affected. EOI Forms are located at the following locations:

• Forms are linked at the beginning and end of the Open Enrollment session;

• On Inside Woodward under Member Services – Benefits – Life Insurance – Life Insurance Evidence of Insurability Form; or

• Your local HR/Benefits Department.

19

YOUR 2018 BENEFITS

You must choose the applicable EOI form based on your state of residence. If your state is not listed, please select the EOI form for “All Other States.”

You are responsible for submitting the required EOI form(s) directly to:

Standard Insurance Company Attn: Medical Underwriting 900 SW Fifth Avenue Portland, OR 97204

If you have questions regarding this EOI process or the status, call The Standard at 1-800-843-7979.

Member Plan

Member Only Multiples of $25,000; from $25,000 to $200,000

50% Family Plan

Spouse/Domestic Partner Only 50% of Member Amount

Spouse/Domestic Partner andChildren

50% for your spouse/domestic partner15% for each child, not to exceed $30,000

100% Family Plan

Spouse/Domestic Partner Only 100% of Member Amount

Spouse/Domestic Partner andChildren

100% for your spouse/domestic partner15% for each child, not to exceed $30,000

Children Plan

Children Only 15% for each, not to exceed $30,000

Evidence of Insurability (EOI) is not required for optional AD&D increases or new elections.Note: Active at work provisions may apply.

Optional Accidental Death and Dismemberment (AD&D)AD&D coverage is a very important benefit. You may purchase AD&D to cover you and your dependents that will pay a benefit if you die as a result of a covered accident. In the event of a covered injury/dismemberment, the plan will pay the amount payable for that type of injury. The amount of AD&D Insurance for dependents is equal to a percentage of the Member’s Optional AD&D Insurance, as follows:

The deadline for submitting forms is November 30, 2017. If you do not submit forms by the deadline, you must wait until the next annual Open Enrollment.

20

DISABILITY INSURANCE AND EMPLOYEE ASSISTANCE PROGRAM Disability Coverage—Provided to You at No CostSecurity for you and your family is what the disability plan is all about. Without a doubt the ability to earn income is crucial to the security of members and their families. That is why disability benefits are so important.

The plan chosen by Woodward provides financial protection for you by paying part of your income while you are disabled. The amount you receive depends upon the income you had before your disability began.

Long-Term Disability Benefits (LTD)

• Benefit amount 66-2/3% of monthly salary

• Maximum monthly benefit $10,000

• Waiting period before benefits begin is 180 days (after start of illness or accident)Note: Active at work provisions may apply.

EMPLOYEE ASSISTANCE PROGRAM (EAP)Woodward offers the LifeMatters EAP for members and anyone living in your household. A LifeMatters professional is available 24/7 to provide assistance with a wide range of support and work/life services. All services provided directly by the EAP are confidential and free.

Contact LifeMatters EAP 1-800-634-6433 website: www.mylifematters.com Password: WWG1

Complete Services

• Short-term counseling

• Financial and legal consultations

• Identity theft

• Child and elder care

• Adoption

• Education

Convenience Services

• Entertainment services

• Pet sitters

• Veterinarians

• Pet obedience training

• Apartment locators

• Home maintenance

• Travel planning

• Volunteer services

• Emergency services

• Wellness

• Diet and nutrition

• Fitness centers and programs

21

YOUR 2018 BENEFITS

VACATION The Woodward vacation benefit plan allows members to use their earned time for paid time away from the office. Members accrue vacation time with each paycheck. All vacation time accrued must be used by the vacation cut-off-date, but may carry over a maximum of 40 hours to the next year.

Main aspects of the plan are:

• Loaded at the beginning of the plan year

• Use it or lose it

• Carry over up to 40 hours unused accrued vacation at year end

Vacation BuyWoodward offers its members the option to purchase up to five extra vacation days during Open Enrollment. The cost for these days will be deducted from your pay in equal installments throughout the calendar year. If you do not use the purchased vacation time, it will be paid out at the end of the calendar year. The maximum limit for vacation time is 248 hours (this includes accrued, rollover, and purchased vacation). Members are required to use vacation days during scheduled plant shutdowns.

Lastly, as a reminder, listed below is the sequence of how vacation time is used for the calendar year.

• 1st: Member Designated Holiday (8 hours)

• 2nd: Carryover (maximum of 40 hours)

• 3rd: Accrued Vacation

• 4th: Purchased Days (unused purchased days paid out at year-end)

22

VOLUNTARY BENEFITS INTRODUCTION Woodward is committed to enhancing the benefits offered to our members. We understand the value in providing a diverse selection of benefits to meet the unique needs of each member. As part of our ongoing effort to maintain the high standards of our benefit programs, Woodward will once again support enrollment in these voluntary benefits.

Enroll Now in Voluntary Benefits!It’s easy to apply for these benefits with no paperwork or confusing forms.

HERE’S HOW…

MetLife Auto & Home InsuranceTap into savings on your Auto & Home insurance and pay your premium via payroll deductions. To receive a quote or enroll, call 1-800-GET-MET8 (1-800-438-6388).

Humana Critical Illness or Whole LifeProtect your family’s financial future against a catastrophic illness or even death. To learn more, view the videos on Inside Woodward.

New Enrollees

To ask questions or enroll, call a licensed representative at 1-800-463-7420.

You may also enroll by clicking the link from ESS. To log in to the Humana online enrollment you will need the following:

• Employee ID = Woodward Member ID Number with leading zeros to create a total of 9 digits Example: If your Woodward ID is 123, your Humana User Name = 000000123

• PIN = The last 4 digits of the above Employee ID plus the last 2 digits of your birth year Example: If your birth year is 1968, your Humana PIN = 012368

You will be asked to confirm your personal information and update your social security number. You will also need to provide the personal information for your spouse/domestic partner or children who will be enrolled in these plans (i.e. name, social security number, date of birth, etc.). Please have this information available when you log in or call.

Changes to Existing Coverage

To make changes to existing coverage, call 1-800-463-7420.

Hyatt LegalConsider enrolling in this affordable plan that will help with your legal needs. To enroll or change your current enrollment in this plan, please complete the form on Inside Woodward and return to your Benefits Administrator.

23

Auto and Home

Make the most of your workplace benefitswith MetLife Auto & Home®

Program description

MetLife Auto & Home’s group insurance program is available to you as a voluntary benefit through your employer. This program is underwritten by MetLife Auto & Home and offers special discounts to employees of participating groups.

Maximize your company benefits today and start saving:• Save up to an additional 10% right away with our Welcome Discount for NEW customers.

• Qualify for a group discount of up to 15% off your policy.

• Earn an additional discount when you pay your premium through automatic payroll deduction.

• Receive extra savings if you’ve been with your company for a long time.

• Save more with our superior driver discount.

• Earn multi-vehicle savings when you insure more than one vehicle with us.

• Make the most of our multi-policy discounts when you insure both your home and auto with MetLife Auto & Home.

Switch and save today!

Since everyone’s insurance policies renew at different times during the year, you may apply for group auto and home insurance at any time. And coverage is 100% portable, so even if you change jobs you can take your policy with you. Take advantage of ALL your company benefits and start saving today. Call 1 800 GET-MET 8 (1-800-438-6388) and see how MetLife Auto & Home makes it easier!

To make the most accurate comparisons, please have your current policies with you when you call, and provide your discount code: 0GC

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, discounts, and policy features vary by state and product, are available in most states to those who qualify. Met P&C®, MetCasSM, and MetGenSM are licensed in the state of Minnesota.

MetLife Auto & Home | 700 Quaker Lane | Warwick, RI 028871703 808079 1208-2982 1900031997(0317) L0615428284[exp0518][All States][DC] © 2017 MetLife Auto & Home

2422

You may elect to supplement your

life insurance needs with this

permanent, .noitpo elbatrop

The Whole Life Insurance program

is a life insurance program for your

.ylimaf eritneThe policies

are individually owned and build cash value. You decide the right

combination of insurance

protection for you and/or your family

by choosing the coverage and

premium amounts.

Learn more about Humana Volunt

Protect yourself and your family with:• Humana Critical Illness/Cancer• Humana Whole Life

You may enroll online by accessing the enrollment link on Inside Woodward or you may call 800-463-7420.

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Humana.com

$16.50 per month — covers you, yourspouse and dependents

Telephone and office consultationsfor an unlimited number of personallegal matters with an attorney of yourchoice

E-Services—Attorney locator; law firme-panel; law guide; free, downloadablelegal documents; financial planning,insurance and work/life resources

Representation for these services:Estate Planning Documentsn Simple and complex willsn Trusts (revocable and irrevocable)n Powers of Attorney

(healthcare, financial, childcare)n Living willsn Codicils

Document Reviewn Any personal legal document

Real Estate Mattersn Sale, Purchase or Refinancing of your

primary residencen Eviction and Tenant Problems (primary

residence)n Home Equity Loansn Zoning Applicationsn Boundary or Title Disputesn Property Tax Assessmentn Security Deposit Assistance

(for Tenant)

Financial Mattersn Negotiations with Creditorsn Debt Collection Defensen Identity Theft Defensen Personal Bankruptcyn Tax Audit Representation (municipal,

state or federal)n Foreclosure Defense

Juvenile Mattersn Juvenile court defense, including

criminal matters

Family Lawn Prenuptial Agreementn Protection from Domestic Violencen Adoption and Legitimizationn Uncontested Guardianshipn Name Change

Document Preparationn Affidavitsn Deedsn Demand Lettersn Mortgagesn Promissory Notes

Defense of Civil Lawsuitsn Administrative Hearingsn Civil Litigation Defensen Incompetency Defensen School Hearingsn Pet Liabilities

Immigration Assistancen Advice and Consultationn Review of Immigration Documentsn Preparation of Affidavits and Powers of

Attorney

Traffic Offenses*n Defense of Traffic Tickets

(excludes DUI)n Driving Privileges Restoration (includes

license suspension due to DUI)

Consumer Protectionn Disputes over consumer goods and

servicesn Small Claims Assistance

Elder Law Mattersn Consultations and document review for

issues related to your parents includingMedicare, Medicaid, PrescriptionPlans, Nursing Home Agreements,leases, notes, deeds, wills and powersof attorney as these affect participant

Personal Property Protectionn Consultations and document review for

personal property issuesn Assistance for disputes over goods

and services

Family Matters™** n Available for an additional feen Separate plan for parents of participants

for estate planning documentsn Easy enrollment - online or by phone

MetLaw®

fi

Group legal plans and Family Matters provided by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, group legal plans and Family Mattersprovided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, Rhode Island. Please contactHyatt Legal Plans for complete details on covered services including trials. No service, including advice and consultations, will be provided for: 1) employment-relatedmatters, including company or statutory benefits; 2) matters involving the employer, MetLife® and affiliates, and plan attorneys; 3) matters in which there is a conflict ofinterest between the employee and spouse or dependents in which case services are excluded for the spouse and dependents; 4) appeals and class actions; 5) farmand business matters, including rental issues when the participant is the landlord; 6) patent, trademark and copyright matters; 7) costs and fines; 8) frivolous or unethicalmatters; 9) matters for which an attorney-client relationship exists prior to the participant becoming eligible for plan benefits. For all other personal legal matters, anadvice and consultation benefit is provided. Additional representation is also included for certain matters listed above under Legal Representation. *Not available in allstates. **For Family Matters, different terms and exclusions apply. L0816475543[exp1017][All States][DC]

For More Information:Visit our website info.legalplans.com and enter access code 1500727 or call our ClientService Center at 1-800-821-6400 Monday through Friday from 8 a.m. to 7 p.m. (EST).

Enrollment in this plan will renew automatically. If you need to enroll, or wish to dropthe plan, complete the form found on InsideWoodward and return to your BenefitsAdministrator by November 9th.

Smart. Simple. Affordable.®

For Woodward, Inc. Employees

Woodward, Inc. Plan Description_%NYU MedicalCntr.qxd 8/24/2016 8:58 AM Page 1

27

28

TELEPHONE AND WEBSITE DIRECTORYBe sure to refer to the Reimagine Your Health website at https://wss.woodward.com/health for plan details.

Woodward Benefits

Location Contact Phone Email

Colorado Laurie Harvey 1-970-492-0530 [email protected]

Loves Park/Rock Cut/ Machesney Park, IL

Kara Anderson 1-815-639-6338 [email protected]

Insurance Carriers

Phone Website

AnthemMedicalDental

1-844-445-53931-855-769-1467

www.anthem.com/woodward

CVS CaremarkPrescription Drugs

1-844-345-3240 www.caremark.com

Vision Service Plan 1-800-877-7195 www.vsp.com

PayFlex 1-888-678-8242 www.payflex.com

Life Matters EAP 1-800-634-6433 www.mylifematters.comPassword: WWG1

Voluntary Benefits

Phone Website

KMG – Humana Specialty Benefits Critical Illness InsuranceWhole Life Insurance

1-855-448-6982 www.kmgamerica.com

Hyatt Legal PlansLegal Plan Insurance

1-800-821-6400 www.info.legalplans.com Password: Metlaw

MetLife Auto & Home Insurance

1-800-438-6388 www.metlife.com https://autohome.metlife.com/public/ index.jsp?oc_id=ab3916&GPC=0gc

We are growing.

www.joinwoodward.com

Woordward-BC_2015_PRN.pdf 2 4/9/15 11:00 AM

VISIT THE REIMAGINE YOUR HEALTH WEBSITE

HTTPS://WSS.WOODWARD.COM/HEALTH

This guide is designed as a reference to help eligible members enroll for benefits and answer many of the questions you might have about benefits during the year. The legal documents and insurance contracts governing these plans will determine your benefits in the event of any omissions or discrepancies. Your participation in these plans is not a contract of employment and does not guarantee your future employment. Woodward reserves the right to change or end any of the plans, at any time and for any reason, to the extent allowed by law. 2017-2018.

WHC/1WW 10/17

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