Benefits Guide2017

Find Your Place on D•Street

2017 Benefits Cover v1.indd 1 9/26/16 9:43 AM

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2017

Benefits Guide

In this Guide: Summary of Benefit Options ....................................... 4

About Enrolling ........................................................ 5

About Your Plans ..................................................... 7

Choosing Your Benefits .............................................. 9 Health Plans .......................................................................... 9

Plan Comparison……………………………………………….11

Tax Savings Plans ................................................................. 14

Income Protection Plans ......................................................... 16

Well-Being Programs ............................................................ 18

Contact Information ................................................ 19

Resources .............................................................. 20

on DENSOBenefits.com.

Benefit Changes for 2017 were announced in this newsletter

mailed to homes in September 2016. If you need another

copy, contact your local HR/Benefits Department or view

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Summary of Benefit Options: DENSO’s plans are reviewed annually to ensure they are strong and competitive. Inside this guide are plan descriptions to help you compare to other plans and make your 2017 benefit elections. Benefits can be changed each year during open enrollment or within 30 days of an eligible family status change.

Plan Options Provider(s) Page

Medical

Medical: Blue Cross Blue Shield of

Michigan

Prescription: OptumRx

Mental Health and Substance Abuse: Behavioral Health Systems

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Dental Dental Core

Delta Dental of Tennessee 12 Dental Plus

Vision Vision Superior Vision 13

FSA – Health Care Elect up to $2,500 Discovery Benefits 14

FSA – Day Care Elect up to $5,000

Voluntary Life Insurance 1x-5x Annual Base Pay

Liberty Mutual 16 Spouse Life Insurance $25,000 - $300,000 (in $25,000 increments)

Child Life Insurance $10,000 on each child

The benefits below are provided automatically to DENSO associates with no open enrollment action required:

Plan Description Provider Page

DENSO Retirement Savings Plan 401(k)

Associate contributions, company match, annual discretionary company contribution

Empower Retirement 15

Basic Life 1.5x Annual Base Pay Liberty Mutual

16 Basic AD&D 1.5x Annual Base Pay

Business Travel Accident $250,000 ACE

Holidays 13 paid holidays N/A

Short Term Disability (STD) 60% to 100% of weekly base pay, dependent upon position and length of disability Liberty Mutual 17

Long Term Disability (LTD) 60% of monthly base earnings

Healthy Horizons Wellness Program: DIAM, DMAR, DMTN, DMMI, DWAM Viverae

18 Wellness Program: DMAT, DPAM HealthbyDesign

Employee Assistance Program Confidential advice/support Behavioral Health Systems

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About Enrolling

Your Open Enrollment To Do List Take advantage of the resources we offer to help you make your benefit decisions (see page 20). If you have completed the Healthy Horizons Member Health Assessment (MHA) and Biometric Screening by

August 31, 2016, you have qualified for 2017 Preferred Premiums. Anyone hired in 2016 will need to complete the MHA and Biometric Screening by November 30, 2016 to qualify.

Complete open enrollment in Oracle if you want to do any or all of the following: o Enroll in a Flexible Spending Account (FSA) in 2017 o Change health plans o Add or delete dependents/beneficiaries

Open Enrollment Dates for 2017 Benefits

Oracle for 2017 Open Enrollment • You can complete open enrollment through Oracle at https://prod.denso-diam.com. • Login with your User Name and Password.

– Your User Name will begin with the Oracle Prefix shown for your affiliate above (ex. AKMJACKSON). – Your Password should be what you used the last time you logged in to Oracle; if this doesn’t work, refer to

affiliate communications regarding how your password has been reset. • Be sure to verify the information for you and your dependents is correct. • Once logged in, click SS for Associate > Benefits > Update Benefits to begin the enrollment process.

– If you qualified for 2017 Preferred Premiums by August 31, 2016, your Preferred Premiums will automatically show in Oracle

– If you were hired in 2016 and qualified by November 30, 2016, you may see Standard Premiums, but your rates will be corrected to Preferred Premiums prior to deductions starting in 2017.

DIAM DMAR DMAT DMMI DMTN DPAM DWAM

Dates Oct 28-Nov 11 Oct 12-21 Nov 8-21 Nov 2-15 Oct 14-27 Oct 24-Nov 7 Oct 7-21 Oracle Prefix DS AK AN AA TN LA DW

What happens if you do NOT make changes during Open Enrollment? • Your health care and day care Flexible Spending Accounts (FSA) will reset to $0. • Your health plans and covered dependents will not change. • Your premiums will change as noted in this guide (including Preferred Premiums if you have

qualified).

Oracle is getting a new look in 2017! The Oracle Fusion upgrade is scheduled to be complete in February of 2017. Look

for more information about the changes and how to login soon.

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What to do After Enrolling If you enroll in OpenRoad:

• All participants need to recertify eligibility for an HSA annually by completing the Health Savings Account (HSA) Contribution Form and returning it to HR/Benefits. The form is available on DENSOBenefits.com or in HR/Benefits. Completing the form allows qualified participants to receive DENSO’s HSA contribution of $500 (individual) or $1,000 (family) in 2017.

• If you’re enrolling in DENSO’s high deductible health plan for the first time, and you qualify to receive DENSO’s HSA contribution and/or contribute to an HSA through payroll deduction, you’ll need to set up a Health Savings Account with Optum Bank within 4 months of the date you become eligible to receive the company HSA contribution. The link to set up the account is on your Oracle Confirmation Page at the conclusion of your Open Enrollment process. See an HR/Benefits representative if you have questions.

If you elect to increase life insurance coverage on yourself or your spouse during Open Enrollment, you may need to complete an Evidence of Insurability (E of I) form by November 30 as specified on page 16. • E of I submissions from open enrollment will not be considered if signed after November 30, 2016 or 30

days after a qualifying event date in 2017. • The easiest way to complete an E of I Form is online at mylibertyconnection.com:

o Click to sign up as a new user

o Enter “DENSO” as the Company Code • If you don’t have computer access, see HR/Benefits for a paper E of I Form and instructions.

ID Cards (Please note: Dependent names will not appear on ID cards): • Open Enrollment: Unless you’re enrolling in a plan with BCBS, Delta Dental, or Superior Vision for the first

time, you will not receive new insurance cards for 2017 (including OptumRx cards). You should continue to use the most recent ID cards you received in previous years for all other plans.

• New Hires in 2017: You’ll receive the following cards:

Medical (BCBS)/Prescription (OptumRx): your prescription dependents match who you cover on the medical plan.

Dental (Delta Dental)

Vision (Superior Vision)

Flexible Spending Account (Discovery Benefits) Note: Unless expired, you can continue to use your current card in 2017.

Health Savings Account (Optum Bank) Note: Optum Bank will send your debit card PIN separately.

TIP: You can order additional ID cards for any benefit by

calling the DENSO Benefits Helpline at 1-855-311-2115.

EX/LS/CL EVERY 12 MONTHS 888888888 FR EVERY 24 MONTHS JOHN SMITH C/L, ALLOWANCE: $130 EXAM CO-PAY: $0 EMPLOYEE + FAMILY C/L COPAY: $25 DISCOUNT FEATURES

Customer Service: 800.507.3800 SuperiorVision.com

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About Your Plans

Who is Eligible? Associates: You are eligible for health and retirement benefits on your date of hire. Dependents: Eligible dependents are also effective as of your date of hire; eligible individuals include: • Your lawful spouse • Your registered domestic partner (applies only to CA) • Your or your spouse’s dependent child up to age 26, including:

– A natural, step, or legally-adopted child – A child placed for adoption – A child for whom legal guardianship or legal custody has been

awarded to you or your spouse by a court of competent jurisdiction

Making or Changing Your Elections Be sure to consider your choices carefully when making elections. Once you make your elections and/or choose the dependents you want to cover on the plans, they remain in effect until the next open enrollment period, unless you have a qualified family status change during the year. Examples include: • Your marriage or divorce • Your child’s birth or adoption

o Your, your spouse's, or your child’s gain or loss of coverage due to change of employment status

Refer to your Summary Plan Description (SPD) for a full list of qualified events. Important: If such a change occurs, you must make your changes within 30 days of the family status change by completing a Family Status Change Form. Supportive documentation may be required, such as: -Marriage License -Divorce Decree -Birth or Adoption Certificate -Court Order

Only elections consistent with the status change will be allowed. Contact HR/Benefits for more details.

Domestic Partner Coverage (California only) You may enroll your registered domestic partner under the medical, dental, vision and voluntary group term life insurance plans. However, the IRS does not permit pre-tax benefits to be provided for a registered domestic partner, and the “value” of the coverage for your domestic partner will appear as imputed income on your paycheck and on the W-2 at the end of the year.

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Special Considerations:

DENSO Associates married to Other DENSO Associates Oracle cannot always prevent you from making elections that may not be the best choice financially or may duplicate coverage. Therefore, make your elections carefully as explained below: • Medical Plans:

You can both carry the other as a dependent, but not on the same plan (ex. both of you could not enroll in ExpressWay and cover each other). - Coordination of Benefit rules will apply to medical (see below for details).

• Dental Plans: Each policy will pay up to the annual or lifetime maximums without coordination of benefits.

• Vision Plan: Do not duplicate your elections by each enrolling the other as a dependent as this will cost you unnecessary additional premiums without any additional benefit.

• Voluntary and Spouse Life Plans: Elect Associate Voluntary Life and do not elect Spouse Life. − The insurance company will not pay a claim for someone as both an associate and a dependent.

• Child Life: Only one associate should elect coverage. − The insurance company will not pay a claim twice on the same child, even if both parents paid the premium.

Associates with Family Members in Other Countries Who Are Expected to Move to the U.S. If you have eligible family members living outside the United States who are not currently covered by DENSO’s plan, be sure to add them during open enrollment if you want to cover them. It is not considered a family status change to add them to your plans when they come to live in the United States.

Coordination of Benefits (COB)

Medical COB If you or a family member are covered by two or more medical plans, Coordination of Benefits (COB) determines which plan pays first (primary) and which plan pays second (secondary). If DENSO’s plan pays secondary, it will only pay if the primary plan paid less than DENSO’s plan would have if it were primary. DENSO’s plan will always be secondary to any medical or personal injury payments under an auto policy. The maximum combined payment you can expect from all plans cannot exceed 100% of the total allowable charge. Therefore, having dual coverage is not always the best choice financially. Details are available in the SPD. At least every 12 months, Blue Cross Blue Shield requires you verify whether your dependents have other coverage. You will be notified by mail regarding this requirement. You should respond by mailing the verification form back to BCBS or by calling the number on the back of your BCBS ID card: 1-888-605-2563.

Dental COB Coordination of Benefits works differently for dental than medical. DENSO’s plan will pay even if it is secondary coverage, not to exceed 100% of the total allowable charges.

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Choosing Your Benefits: Health Plans

Medical Plans

Blue Cross Blue Shield of Michigan administers all three medical plans. Two different sets of medical premiums are offered—one for those who do not participate in Healthy Horizons (Standard Premiums) and one for those who do (Preferred Premiums). In order to qualify for Preferred Premiums, you need to complete the requirements as explained in the Healthy Horizons Program Brochure that will be mailed to associate homes later.

Biweekly Medical Premiums

Standard Preferred1 Annual Savings

Standard Preferred1 Annual Savings

Standard Preferred1 Annual Savings

% Paid by Associate

(DENSO pays remainder) 13% 8% 15% 10% 5% 0%

Associate Only $20.95 $12.89 $209.56 $27.74 $18.49 $240.50 $6.08 $0 $158.08

Associate + 1 $41.90 $25.78 $419.12 $55.48 $36.98 $481.00 $12.16 $0 $316.16

Family $68.08 $41.90 $680.68 $90.15 $60.10 $781.30 $19.76 $0 $513.76

This Plan is Ideal For:

Someone who values things that are quick and easy. It offers flat dollar copays for most office visits, so you

are in and out with fewer billing headaches.

Someone who likes familiarity. It offers a traditional deductible and

coinsurance for most services.

Someone who likes freedom and doesn’t mind a little risk so long as

they are driving. It offers a high deductible which is required for a

Health Savings Account (HSA). 1 Associates who complete the requirements outlined in the Healthy Horizons program brochure will qualify for Preferred Premiums;

requirements may vary from year to year.

Try the BCBS of Michigan App The most convenient way to stay informed about your plan. With your smartphone, you can find out how much you’ll owe before you get your bill. The app connects you securely to your health plan information when you need it. Use the app to:

• View your deductible and plan balances • See what services your plan covers • Find an in-network doctor or hospital • Compare procedure pricing • Access your virtual ID card

The BCBS of Michigan app is available in the App Store and Google Play. Search: Blue Cross Blue Shield of Michigan

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Behavioral Health, Substance Abuse and Employee Assistance Program (EAP) Behavioral Health Systems (BHS) administers DENSO’s behavioral health, substance abuse and Employee Assistance Program (EAP) benefits. They provide a dedicated customer service team who helps direct associates and family members to the best care for their situation. In order to save you money, they make sure the free services provided by the EAP are utilized first. BHS contracts with 17,000 providers across the U.S.; call to find a provider that best matches your needs.

Prescription Plan

About the Prescription Plan

• Network Pharmacies - OptumRx has over 65,000 pharmacies in the network; ask your pharmacist if they accept OptumRx to ensure it is included

• Formulary - if drugs are on the OptumRx formulary, they are preferred over drugs that are not. - Covered drugs fall into one of three tiers: Generic, Preferred, or Non-Preferred - Drugs can be removed from the formulary twice a year – in January or July. OptumRx sends a letter to

impacted members before a drug is removed, because removal may result in a higher cost. - Drugs can be added to the formulary any time throughout the year, which may result in a lower cost. - Not all drugs are covered, but if a class of drug is covered, there are no exclusions. - Log in to DENSOBenefits.com to view the current formulary (instructions are on page 20)

• Step Therapy - you may have to try one or more alternative drugs before being allowed to fill certain prescriptions your doctor prescribes

• Prior Authorization - certain drugs will require your doctor provide additional information before the pharmacist can fill the prescription; you or your doctor should contact OptumRx if the pharmacist says this applies to you

• Penalties - if you choose to take a higher cost brand name instead of the equivalent generic drug, you will have to pay the generic copay plus a penalty equal to the difference in the cost of the drugs. Penalties do not accumulate toward out-of-pocket maximums.

• 90-day supply - available for maintenance medications either through mail order or at most network retail pharmacies

• Specialty - All specialty medications must be filled through BrioviaRx, the OptumRx Specialty Pharmacy, by calling 866-863-7543.

1-800-245-1150

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2

12

Dental Plans

DENSO associates have a choice between two dental plans through Delta Dental of Tennessee: Dental Core and Dental Plus. With either plan, you can visit the dentist of your choice; however, if you choose an out-of-network provider, you are responsible for charges above the allowable charge. This is a brief summary of your dental premiums and benefits. Dental Core

Biweekly Dental Premiums Tier Dental Core Dental Plus

Associate Only $0 $4.86 Associate + 1 $0 $9.72

Family $0 $15.79

Summary of Dental Benefits

Dental Core Dental Plus

In-Network Out-of-Network In-Network Out-of-

Network Deductibles & Limits

Annual Deductible $50 per individual ● $100 per family Member’s Annual Maximum

(not reduced by preventive care) $1,000 $2,000

Services Diagnostic and Preventive,

no deductible required (up to 2 visits per year)

Covered at 100%

Covered at 80%

Covered at 100%

Covered at 80%

Basic 50% 40%

80% 60%

Major 70% 50%

Orthodontic (excluded from annual maximum) Not Covered 50% up to $2,000 lifetime

maximum, no deductible

TIPS: • If you elect a dental plan without covering all members of your family, those family members

not on the plan will not have any dental coverage. Be sure to cover all dependents who may need dental care throughout the year.

• Benefits are not coordinated with other dental insurance—claims will be paid (up to 100% of the allowed cost) whether your other dental coverage is through DENSO or outside of DENSO.

13

Vision Plan You may choose to purchase an insured vision plan through Superior Vision. Below is a brief summary of the benefits:

Vision

In-Network Out-of-Network

EXAMS (each covered once every 12 months)

Eye Exam $0 copay Optometrist – up to $28 retail Ophthalmologist – up to $37 retail

Contact Lens Fitting $15 copay not covered

MATERIALS (choice of frames/lenses or contacts)

Frames (every 24 months)

$25 copay ($130 frame allowance)

up to $61 reimbursement

Standard Plastic Lens (every 12 months) Single Bifocal Trifocal

up to $35 reimbursement up to $50 reimbursement up to $60 reimbursement

Contact Lens (every 12 months) in lieu of glasses $0 copay ($130 allowance) up to $100 reimbursement

• In-network discounts are also available for non-covered procedures, materials, and exams. • If you have a medical issue with your eye (such as glaucoma or a foreign object), use your medical

insurance for the exam.

Biweekly Vision Premiums Tier Vision

Associate Only $1.77 Associate + 1 $3.61

Family $5.43

TIP: If you’re wondering which plans may be best for you, check out our informational videos! (see page 20)

Choosing Your Benefits: Tax Savings Plans

Flexible Spending Account (FSA) A Flexible Spending Account (FSA) allows you to save money for eligible health care and dependent care expenses. To reduce your tax liability, contributions are deducted from your paycheck on a before-tax basis, and tax-free reimbursements are paid to you for eligible expenses. Discovery Benefits is DENSO’s FSA administrator. Discovery tracks your contributions and reimbursements, as well as provide you with a debit card for use ONLY at pharmacies and day care providers. Be sure to confirm dependent care eligibility before enrolling; see “Learn More” section below. Key Points: • You decide the amount you expect to spend on eligible health care and/or dependent care expenses throughout the

year. The balance in the FSA will not roll over to the next year, so plan carefully. − January 1 (or your enrollment date, whichever is later) – December 31, 2017: When eligible claims can be

incurred in order to be eligible for reimbursement. (New hires cannot include expenses prior to hire date.) − January 1 – March 31, 2017: Timeframe participants have to file claims for expenses incurred in the previous

plan year − April 1, 2018: Unused 2017 money is lost.

• Annual election limits are as follows:

• The amount elected is divided evenly among your paychecks for the year and is deducted before calculating taxes (federal & social security as well as most state taxes).

• Discovery Benefits offers a handy app to file claims and pay providers right from your phone. Available for iPhone and Android- search for Discovery Benefits.

Learn More: ● If you’re considering enrolling in a Flexible Spending Account, you’ll want to access this DENSO-specific

informational video: https://denso.a.guidespark.com/videos/4268

Health Savings Account (HSA) A Health Savings Account (HSA) can be used along with a high deductible health plan, such as OpenRoad, to help you save and pay for eligible expenses on a pre-tax basis. It’s a savings account owned by you just like any other bank account. DENSO will contribute money to the accounts of eligible associates in 2017 ($500 for individual and $1,000 for family). Other than depositing the Company Contributions, DENSO does not have access to these accounts or have any control over them. Unlike FSAs, unused money rolls over from year to year. Contribution limits for 2017 are as follows:

Associate Only Coverage Associate + 1 or Family Coverage $3,400 (including DENSO’s $500 contribution) $6,750 (including DENSO’s $1,000 contribution)

*Associates who will be age 55 or older by the end of 2017 can contribute an additional $1,000 catch-up contribution. Optum Bank Health Savings Accounts must be opened by the participant within 4 months of becoming eligible to receive the company contribution. Learn More: • To learn more about the specifics of Health Savings Accounts, please view this DENSO-specific video:

https://denso.a.guidespark.com/videos/4466 ● Optum Bank also provides some educational videos regarding HSAs at:

http://www.openenrollment123.com/hsa-resources

Health Care Day Care $2,500 $5,000

TIP: OpenRoad participants must complete a new “Health Savings Account (HSA) Contribution Form” annually and return it to HR/Benefits in order to qualify for DENSO’s contribution.

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401(k) DENSO Retirement Savings Plan (DRSP)

Participation Overview: • Full-time and part-time regular associates are eligible • There is no waiting period to participate, but automatic enrollment may be delayed up to 2 pay periods • If you do nothing, DENSO will automatically enroll you in the 401(k) Plan and:

- Contribute 4% of your pre-tax earnings into your 401(k) account each pay period - Increase your pre-tax contributions by 1% each year, until you reach 15%

• You can opt out or change either of the above options by contacting Empower either via phone or website Vesting Schedule for Company Contributions:

Years of Completed Service Matching & QMAC Contributions

Less than 2 25% 2 but less than 3 50% 3 but less than 4 75%

More than 4 100%

Note: Associate contributions are always 100% vested. Lifetime Income Analysis Tool (www.empower-retirement.com/participant) • Translates savings into estimated monthly retirement income • Allows you to easily model different outcomes and make changes to your contribution rate and investment mix • Offers next steps to help boost income in retirement Contribution Types: • Traditional Pre-Tax or Roth After-Tax: You can elect to contribute 0% to 75% of your base pay to these maximums:

Age at End of Year 2016 IRS Contribution Maximum Less than 50 years $18,000

50 + years $24,000

• Catch-Up: If you will be age 50 or older by the end of the year, you are eligible to make additional 401(k) contributions. These contributions may increase your contributions above 75% of pay.

• Company Match: Employer-matching contributions equal to 100% of the first 4% of compensation you defer (either Pre-Tax or After-Tax contributions can be matched to 4%; subject to IRS limits)

• Company Discretionary Contribution: DENSO may contribute up to an additional 3% of your eligible earnings on an annual basis; Note: DIAM, DWAM, and DPAM associates who elected to continue their Pension Plan will not be eligible for this contribution until Plan Year 2022

• Annual True-Up: Company matching contributions are reviewed annually to ensure you receive the maximum allowed amount.

Choosing Your Investments - two ways to diversify: 1. Choose a single, ready-mixed portfolio (RetireReady Goal Setter): Make a single investment choice based on the

date you want to retire and professionally diversify your total retirement savings across an array of funds. 2. Build your own portfolio: Choose your own diversified combination of individual funds offered by the plan.

Check out DENSOBenefits.com for

updated 401(k) tools and information. Login

info is on page 20 of this Guide.

TIP: To access your account, including changing your elections at any time, go to

www.empower-retirement.com/participant or call toll-free 1-888-411-4015.

These are 2016 maximums; see HR/Benefits for 2017 maximums.

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Liberty Mutual offers extra benefits including online will preparation assistance and global travel assistance. See

HR/Benefits for details.

Choosing Your Benefits: Protection Plans Insurance Provided at No Cost to You

Basic Life* Accidental Death and Dismemberment (AD&D)

Business Travel Accident (BTA) provided by ACE

Benefit Amount 1.5 times your base annual salary 1.5 times your base annual salary $250,000

Limitations Coverage is limited to a combined $500,000 for Life and AD&D insurance

Payable if an accident claim occurs while traveling on business

Beneficiary Your designated beneficiary for Basic Life will apply to all three policies.

Voluntary Group Term Life For Associates • You may purchase additional coverage from 1 to 5 times your base annual salary. • The combined maximum for basic and voluntary term life is $2,000,000. • Rates are age-based and are shown at the bottom of this page. • The voluntary term life insurance benefit reduces by 35% when you reach age 70. • Your hours worked—if less than 40/week—may be used to determine your coverage

level; therefore if you’re working a reduced schedule, you may have a reduced benefit. • An Evidence of Insurability (E of I) health questionnaire is required if:

− During Open Enrollment: You increase by more than 1 level or your insurance amount is more than $500,000 − As a New Hire: You elect more than $500,000 in coverage.

For Spouse • IMPORTANT: You must purchase at least 1x voluntary life in order to purchase coverage for your spouse, and your

requested spouse amount cannot exceed your own voluntary term life amount. • You may purchase spouse coverage in increments of $25,000, up to $300,000. • Rates are the same as Associate Voluntary Group Life, and are based on the Associate’s age (see chart below). • The spouse life insurance benefit reduces by 35% when your spouse reaches age 70. • An E of I health questionnaire is required if:

− During Open Enrollment/Family Status Change: You increase coverage by more than $25,000 and/or your insurance amount is more than $50,000.

− As a New Hire: You elect more than $50,000 in coverage.

• During open enrollment, Oracle projects premiums based on current salary and age as of January 1, 2017. • Keep in mind, though, premiums will adjust throughout the year with changes in your age and/or wage.

For Child(ren) • IMPORTANT: You must purchase at least 1x voluntary life in order to

purchase coverage for your child(ren). • Children from 14 days through 25 years old are eligible. • The $0.50 per paycheck premium insures each eligible child for $10,000.

Voluntary Group Term Life Rates (for both Associate and Spouse Life)

Associate Age <35 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+

Monthly rate per $1,000 of coverage $0.05 $0.07 $0.12 $0.20 $0.40 $0.49 $1.04 $1.32 $2.27

Child Life Rates Coverage Biweekly Rate

$10,000 per child $0.50 (same rate no matter how many children)

IMPORTANT: If an E of I is required as of your Open Enrollment election and you do not complete and sign it by November 30, your requested coverage level will not be in effect. New Hires in 2017 have 30 days from the hire date to sign and submit the

form. See page 6 for instructions on submitting E of I.

* Note: The value of any Basic Life Insurance coverage over $50,000 will be added to the Associates' taxable income per Internal Revenue Code section 79.

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Disability Coverage DENSO recognizes the importance of your financial well-being in the event of a disability. Most of us insure our homes, automobiles, and other assets, yet often overlook our most valuable asset—our ability to earn an income! For this reason, we provide both Short and Long Term Disability benefits at no cost to you. Keep in mind, these benefits cover associates only, not spouses or children.

Short Term Disability (STD) Benefit • Benefit summary:

• Refer to the Summary Plan Description (SPD) for more details, including the definition of disability, pre-existing conditions, and other exclusions.

Long Term Disability (LTD) Insurance • Benefit summary:

* Your hours worked—if less than 40 per week—may be used to determine your benefit level; therefore if you are working a reduced schedule, you may have a reduced benefit.

• Refer to the Summary Plan Description (SPD) for more details, including the definition of disability, pre-existing conditions, and other exclusions.

Short Term Disability (STD) Eligibility All exempt and nonexempt associates as of date of hire

Benefit Level 60% - 100% of weekly base pay (depending on position and length of disability)

Elimination Period Accident: 0 days (benefit begins on Day 1) Illness: 7 days (benefit begins on Day 8)

Partial Disability Benefit STD Benefit + Wages (up to maximum 100% of pre-disability weekly earnings)

Maximum Duration 26 weeks Benefit Determination

and Payment Processing Liberty Mutual

* Your hours worked—if less than 40 per week—may be used to determine your benefit level; therefore if you are working a reduced schedule, you may have a reduced benefit.

Long Term Disability (LTD) Eligibility All exempt and nonexempt associates whose disability date occurred while

actively employed Benefit Level 60% of base pay, to a maximum monthly benefit of $10,000 *

(benefits may be reduced by other income) Elimination Period 26 weeks

Maximum Duration Until your Social Security Normal Retirement Age, or longer, depending upon your age at disability onset

Benefit Determination and Payment Processing Liberty Mutual

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Choosing Your Benefits: Well-Being Programs Healthy Horizons DENSO offers the opportunity for associates to participate in our Wellness Program, Healthy Horizons. The Healthy Horizons program provides confidential education, tools, and positive support to understand and make continuous improvements to your health so you can kaizen your life and achieve your personal goals.

Participating in Healthy Horizons may not only result in a kaizened life, but could also lower medical insurance premiums! Contact your HR/Benefits Department for more information. Employee Assistance Program (EAP) DENSO provides an Employee Assistance Program (EAP) through Behavioral Health Systems to help you and your family deal with the various challenges of life. There is no cost to you for this program, and you can use it even if you opt out of a DENSO medical plan. Five (5) free face-to-face consultations (per issue/situation) are offered to each member annually. Some of the additional benefits of this plan include: • Childcare and/or eldercare referrals • Personal relationship information • Health information and online tools • Financial planning assistance • Stress management • Legal resources To speak with DENSO’s Care Coordinator, call BHS at the number below:

800-245-1150 www.BehavioralHealthSystems.com

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Contact Information

DENSO Affiliates:

Affiliate Contact Name Internal Extension

External Phone

Email Address

DIAM Denise Wyllys 8285 248-372-8285 denise_wyllys@denso-diam.com DMAR Allison Day 9528 870-549-0341 allison_day@denso-diam.com DMAT Carmen Galyon 7806 423-649-1899 carmen_galyon@denso-diam.com DMMI Jan Gaskell 1562 269-565-1562 jan_gaskell@denso-diam.com DMTN Gracie Kendrick 2542 865-981-4785 gracie_kendrick@denso-diam.com DPAM Nancy Larin 7342 310-513-7342 nancy_larin@densodrive.com DWAM Lana McCoy 4624 760-734-4624 lana_mccoy@denso-dwam.com

Vendors:

Vendor Benefit Phone Number

Web Address

Behavioral Health Systems

Mental Health/Substance Abuse and Employee Assistance Program 800-245-1150 www.behavioralhealthsystems.com

Benefit Advocates DENSO Benefits Helpline 855-311-2115 N/A Blue Cross Blue Shield Medical 888-605-2563 www.bcbsm.com Delta Dental of TN Dental 800-223-3104 www.deltadentaltn.com

Discovery Benefits Health Care & Day Care Flexible Spending Accounts (FSA) 866-451-3399 www.discoverybenefits.com

Empower 401(k) Recordkeeper 888-411-4015 www.empower-retirement.com/participant

Health by Design (HbD) Healthy Horizons- DMAT, DPAM 844-206-1522 www.densohealthyhorizons.com

Liberty Mutual Short & Long Term Disability, Basic Life and AD&D, Voluntary Life 800-216-4351 www.mylibertyconnection.com

Optum Bank Health Savings Account (HSA) 866-234-8913 www.optumbank.com OptumRx Prescription 855-41-DENSO www.optumrx.com Superior Vision Vision 800-507-3800 www.superiorvision.com

Viverae Healthy Horizons- DIAM, DMAR, DMMI, DMTN, DWAM 888-848-3723 www.densohealthyhorizons.com

Disclaimer This booklet highlights the main features of the DENSO associate benefits package. It is intended to provide you with an overview of your benefits as an associate of DENSO. This booklet does not include all plan rules and details and should not be considered as a substitute for plan documents or Summary Plan Descriptions. The terms of your benefits plans are governed by legal plan documents, including insurance contracts. Should there be any inconsistencies between this booklet and the legal plan documents, the plan documents are the final authority on the benefits plan. DENSO reserves the right to change or discontinue its benefits plans at any time, including premiums.

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Resources DStreetBenefits.com

Your one-stop landing page with access to useful tools and plan information. Access all of the resources below from this one web page.

Anytime you have questions and can’t find the answers using these resources, feel free to contact the DENSO Benefits Helpline.

DENSO Benefits Helpline • Toll-Free Phone: 1-855-311-2115 • Email: denso@benefitadvocates.net

Live representatives available to answer questions about DENSO’s benefits, claims, open enrollment, and more.

DENSOBenefits.com • Username: DENSO • Password: Benefits4u

View benefits information, news, forms, plan documents, etc.

Short, informational videos • 2017 Benefits Overview • Flexible Spending Accounts • Health Savings Accounts • 401(k)