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Benefits Enrollment Guide

Make Benefit Selections Within 31 Days of Your Hire Date

It is important to enroll in the benefit plans within 31 days of your date of hire. Otherwise, you will be required to wait until the next open enrollment period in order to be covered. Open Enrollment is held in November of each year for benefits starting on January 1 of the following year.

There is no “auto enrollment” for any reason. You must make enrollment selections to be covered.

All materials are also available in The Zone (TheZone.goodmanmfg.com).

2020

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Welcome to the Daikin Group 3Connect with Us 4Medical Choices 5Dental Choices 7Vision Care 8Flexible Spending 8Company Provided Benefits 9Voluntary Benefit Options 10Additional Employee Programs 12Enrollment Steps 13Appendix 15Blue Access for Members Information 16BCBSTX App 18Optum Bank HSA 19MetLife Dental 21Davis Vision 22Optum Bank FSA 23Optum Bank Dependent Care FSA 27Sun Life Short Term Disability 29Sun Life Optional Life Insurance 30Voluntary Life Insurance Rate Sheet 31InfoArmor Identity, Financial and Privacy Protection 32 MetLife Accident Insurance 34MetLife Critical Illness Insurance 35MetLife Hyatt Legal Plan 37LifeWorks Employee Assistance Program 38Quit for Life Program 39

The benefits will remain in effect for the entire calendar year unless you experience a qualified family status change AND make your new elections within 31 days of the event).

Remember

Table of Contents

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Welcome to the Daikin GroupAn Introduction to our Benefit Offerings

Congratulations on your new opportunity with us!

We are pleased to offer a comprehensive benefits plan that is competitive in the marketplace. We make it a point to benchmark our plans against those offered by other employers to ensure that our programs are competitive. Although health care costs have continued to rise, we have worked to maintain increases in employee premiums at levels below the national average and have done so since 2002.

To make your benefit elections, you will login to our employee portal called The Zone. Directions on how to enroll are included in the back of this package of information. There is additional information on the plans available in The Zone as well.

Blue Cross Blue Shield will mail personalized Medical/Prescription ID cards for you and your covered dependents to your home address, within 14-21 days after completing the enrollment process. MetLife Dental ID cards can be retrieved from the MetLife My Benefits website.

For futher assistance, please contact HR Shared Services at (713) 346-6350, option 2 or via email at HRServices@daikincomfort.com. Please log into The Zone and get started today!

Cuni ThompsonDirector, Benefits & HR Technology

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Connect with UsContact the Daikin Service Center Today!

One Stop for your HR Needs:• General Payroll Questions• Insurance / 401(k) • Leave of Absence Requests• Navigating the Zone• Paid Time-OffPlus many other HR related questions

Many Ways to Connect:• Call: Direct (713) 346-6350 or extension 6350• Email: HRServices@DaikinComfort.com• Through the Zone: Personal tab > HR Request Form

Stay Connected on your Phone with Mobile Apps!

OptumRx

Abenity Employee Perks

Optum Bank (FSA) LifeWorks EAP

Purchasing Power

Davis VisionBCBS Texas (Medical)

DTTP Mobile App

MetLife Dental

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Medical Premium Cost per Month*

PPO - Buy Up Plan PPO - Core Plan High Deductible Health Plan (HDHP)

Employee Only $106.00 Employee Only $42.00 Employee Only $0

Employee + Children $212.00 Employee + Children $159.00 Employee + Children $0

Employee + Spouse / Family $424.00 Employee + Spouse / Family $317.00 Employee + Spouse / Family $0

*The monthly cost will be deducted evenly, based upon your weekly or semi-monthly payroll.

Medical & Prescription Drug BenefitsYour medical benefits will be provided through Blue Cross Blue Shield of Texas and prescription coverage will be through OptumRx.

Getting Started with Open Enrollment Review Medical & Rx Choices

The chart above is a summary of the major differences between the three plans only. Please refer to the summary plan descriptions for a complete list of covered expenses and plan specifications.

PPO – Buy Up Plan PPO – Core Plan High Deductible Health Plan (HDHP)

Covers: 80% In-Network / 50% Out-of-

Network

Covers: 70% In-Network / 50% Out-of-

Network

70% / 30% Co-Insurance*(After deductible has been met)

Medical Deductible: Individual $600 / $1,500 Family $1,800 / $4,500

Medical Deductible: Individual $1,200 / $2,500

Family $3,600 / $7,500

Medical / Rx Deductible: Individual $3,000 / $6,000

Family $9,000 / $18,000

Out-of-Pocket Maximum: Individual $2,500 / $5,000

Family $5,000 / $10,000

Out-of-Pocket Maximum: Individual $5,000 / $10,000

Family $10,000 / $20,000

Out-of-Pocket Maximum: Individual $6,600 / $13,200

Family $13,200 / $26,400

Co-pay: $30 Primary Care, $50 Specialist

In-Network Wellness: 100% (not subject to deductible)

Co-pay: $40 Primary Care, $60 Specialist

In-Network Wellness: 100% (not subject to deductible)

Co-Insurance: 70% / 30%*

In-Network Wellness: 100% (not subject to deductible)

Emergency Room Co-pay: $100 Emergency Room Co-pay: $150 ER Co-Insurance: 70% / 30%*

Rx Deductible: $100 Individual / $200 Family

Rx Deductible: $100 Individual / $200 Family

Rx Deductible combined with Medical Deductible - See above

* High Deductible Health Plan Co-Insurance – Plan pays 70% after deductible has been met for the year. The patient is respon-sible for the remaining 30% up to the out-of-pocket maximum.

Your Medical and Prescription Benefits at a Glance

It’s easy to get started• Go to bcbstx.com/member

• Click Register Now

• Use the information on your BCBSTX ID card to complete the registration process.

With BAM, you can• Check claim status/history

• View/Print Explanation of Benefits

• Find in-network doctors in your area

• Request a new ID card or print a temporary card

Prescription drug coverage is provided through Optum Rx.

Your Blue Cross ID card also serves as the Rx plan ID and should be presented at the pharmacy when filling prescriptions.

For more information, call OptumRx at 1-888-869-4600 or visit them online at www.optumrx.com.

Co-pays now apply to total Out-of-Pocket

Maximum!

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Getting Started with Enrollment Review Medical & Rx Choices (HDHP and HSA)

Health Savings Account (HSA) Enrolling in the High Deductible Health Plan allows you to deposit funds into a Health Savings Account (HSA) that can be used to pay for qualified medical expenses. Enrolling in the HSA is a great way to set pre-tax dollars aside to cover the higher initial costs of the HDHP.

Here are some important things to know about Health Savings Accounts:

• You must be enrolled in the HDHP to contribute to a Health Savings Account.

• The annual contribution limits for Health Savings Accounts are determined by the HDHP tier you elect:

HDHP Employee Only - HSA maximum contribution limit of $3,550 per year (individual).

All other HDHP - HSA maximum contribution limit of $7,100 per year (family).

• Individuals over age 55 can contribute an additional $1,000 per year.

• There is no time limit on reimbursements from your HSA as long as the claims occur after the HSA effective date.

• You can change payroll deductions on the HSA at any time and a family status change is NOT required to do so.

Not Insured?Consider enrolling in the High Deductible Health Plan (HDHP) to avoid paying the healthcare tax. The HDHP qualifies as minimum essential coverage under the Affordable Care Act and has no monthly premium.

Base High Deductible Health Plan (HDHP) In the HDHP you are responsible for medical and pharmacy costs until you reach your deductible in exchange for no monthly premium. Preventative care is still covered at 100% and not subject to the deductible when using in-network providers. Once the deductible has been met, the plan will process eligible charges at 70% up to the out-of-pocket maximum. The covered expenses under the HDHP are the same as the Buy Up PPO and you can use the tools available through Blue Cross Blue Shield of Texas and Optum to “shop around” for the lowest cost options.

We understand that a health plan with no monthly premium can be attractive, especially if you’re on a tight budget.

NOTE: The HDHP and HSA option is not designed for everyone.

You should carefully consider the impact to your healthcare budget in the event you have an unexpected medical emergency. To put it in perspective, a single trip to the Emergency Room can start at $3,000.

! Important

If you’re unsure if this plan is right for you, we encourage you to discuss it further with the Corporate Benefits Department before making a change.

Throughout the year, there will be opportunities for you to attend meetings, watch webinars, or ask questions about the plans before the next open enrollment period.

?Still Have Questions?

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Please refer to the Summary Plan Description for a detailed explanation of covered/non-covered benefits, plan requirements and applicable co-pays.

Next StepReview Dental Choices

MetLife’s PPO plans feature the MetLife Preferred Dentist Program, which saves you money on dental services. There are thousands of participating general dentists and specialists nationwide.

When using a preferred dentist, you will enjoy lower out-of-pocket costs for in-network services and less paperwork.

To find a participating dentist or obtain a copy of your ID card, visit www.mybenefits.metlife.com.

Their online directory provides members with the names, addresses, specialities, languages spoken, and telephone numbers of participating dentists in a given area.

For additional questions or assistance, please visit the website or call MetLife at 1-800-942-0854.

Dental Benefits The Company provides two dental plan options through MetLife to meet your needs. While you are free to use any dentist, please consider using a MetLife preferred provider to maximize your dental benefits under the plan.

*The monthly cost will be deducted evenly, based upon your appropriate pay period.

Plan Details Core Plan Buy Up PlanAnnual Deductible Individual $50 / Family $150 Individual $25 / Family $75

Annual Maximum per Person $1,000 $2,000

Preventive Care 20% No Deductible 20% No Deductible

Basic Treatment 80% / 20% 80% / 20%

Major Treatment 50% / 50% 50% / 50%

Orthodontia** Not Covered 50% / 50%

**Orthodontia coverage has an additional $50 deductible and a $1,000 lifetime maximum benefit. Orthodontia coverage is available to both adults and children.

Core PlanEmployee Only Dental Coverage $10.00

Employee + 1 Dental Coverage $20.00

Employee + 2 or more Dental Coverage $30.00

Buy Up PlanEmployee Only Dental Coverage $22.00

Employee + 1 Dental Coverage $63.00

Employee + 2 or more Dental Coverage $75.00

Dental Premium Cost per Month*

Your Dental Benefits at a Glance

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*The monthly cost will be deducted evenly, based upon your appropriate pay period.

Next StepConsider Flexible SpendingFlexible Spending AccountYou may allocate pre-tax dollars to be set aside from each paycheck for medical out-of-pocket expenses. This can include office visit co-pays, deductibles, vision exams, dental work and prescriptions. For a list of covered & non-covered expenses, please go to www.irs.gov and review Publication 502.

You do not have to be enrolled in the health plan to participate. The elected amount will be available immediately and a debit card will be provided. Substantiation for amounts other than co-pays will be required so you’ll need to save receipts and insurance statements.

You may also allocate pre-tax dollars for day care expenses. Day care expenses are reimbursed up to the amount that you contribute each pay period.

The plan has a Grace Period, giving participants an additional 2.5 months to incur expenses after the last day of the plan year. For plan year 2020, participants have until 3/15/21 to incur expenses. All claims must be filed no later than 90 days after plan year end. For plan year 2020, the claims must be filed by 3/31/2021. All charges must be incurred during the Plan Year. Reimbursement will not be allowed for expenses incurred from prior years or for ineligible dependents.

Plan wisely – unused balances will not be refunded.

Next StepDecide on Vision Care

In-Network BenefitsCo-pay for Exams (Every 12 Months) $10

Co-pay for Frames (Every 24 Months) $5

Co-pay for Lenses (Single/Bifocal/Trifocal) $5

Co-pay for Contacts (Every 12 Months) $24 / $45

Out-of-Network BenefitsExams & Materials – Reimbursement of $50

Vision CareEmployees who enroll in the Davis Vision benefit are eligible for a free pair of safety lenses annually AND upon request at the initial visit. (Brazers may also be eligible for tinted glasses. Please contact Corporate Benefits for additional information.)

Vision benefits are administered by Davis Vision. There is no ID card. Simply tell the provider that you are covered by Davis Vision when you make the appointment.

You may visit any doctor, but if you use an in-network doctor you pay a co-pay for most services. If you visit a doctor outside of the network, you pay the full amount at the time of the visit and submit a claim form for reimbursement of $50.

Coverage Cost per Month*Employee Only $0.00

Employee + 1 $5.00

Employee + 2 or More $8.98

If you would like to participate in the flexible spending account plan(s), you must enroll each year during open enrollment. Previous year elections will not carry over into the new plan year.

! Important

The benefit plans you select during the new hire period will become effective on your date of hire and will remain in effect for the entire calendar year.

Changes can only be made if you experience a qualified family status change AND make your new elections within 31 days of the event).

Remember

Plan Contribution Limits: Medical FSA (non-reimbursed medical expenses) $2,700

Dependent Care FSA (day care expenses) $5,000

* If you enroll in FSA, you cannot enroll in HSA. HSA is only availablewith the HDHP plan.

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Next StepReview Voluntary Benefit Options in The Zone

Company Provided BenefitsBasic Life InsuranceHourly employees are eligible for one times their annual salary, up to $150,000. Salaried employees are eligible for one times annual salary, up to $500,000. This benefit is available to all eligible (regular, full-time) employees, at no cost. **Beneficiaries are recommended to be over the age of 18.

Accidental Death & Dismemberment InsuranceIn the event of accidental death, your beneficiary will receive an amount equal to your basic Life benefit.

Long-Term Disability (LTD)The Company provides long-term benefits at no cost to all regular, full-time employees. If needed, LTD benefits begin after 26 weeks of disability and cover 60% of your salary up to $12,000 per month. In most cases, you may receive benefits until you recover or age 65, whichever comes first. LTD also coordinates with Social Security Disability.

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For detailed plan information and enrollment details see pages 32-33 or visit www.MyPrivacyArmor.com.

Questions? Call 1-800-789-2720

Next StepReview Voluntary Benefit Options in The Zone

Employees that enroll in Voluntary Life Insurance and/or Short - Term Disability during their New Hire enrollment WILL NOT be subject to proof of good health in order to qualify.

See pages 29 and 30 for additional details.

!New Hire

Enrollment Opportunity

Coverage Cost per Month*Employee Only $9.95

Family Coverage $17.95

Income Protection BenefitsVoluntary Life and Accidental Death & Dismemberment (AD&D) Insurance

For additional financial protection for you and your family, you may purchase voluntary term life insurance. You may choose up to $200,000 of employee life insurance (in increments of $10,000) or family term life insurance to cover a spouse or children. AD&D Coverage is also available on this plan for an additional premium. See rates on page 33.

Short-term Disability (STD)

The weekly income benefit is non-taxable and is equal to 60% of your salary up to $1,500 per week. The disability benefit begins after 7 days of disability and can continue for up to 26 weeks. This benefit is 100% employee-paid* Evidence of Insurability may be required at the time of enrollment.

Identity Theft Protection BenefitIInfoArmor Identity Theft Protection

Provides peace of mind - proactive identity and credit monitoring to help protect identity/financial information

• Embraces the entire family - no age limits, a generous Under Roof/Under Wallet participant definition and even social media monitoring services

• Leverages time saving expert assistance - a dedicated Privacy Advocate® reduces stress, handles alert escalations, contacts merchants, and more to remediate on behalf of the participant

• Multilingual customer service is available 24/7

• Reinforces financial security - a $1,000,000 Identity Theft Insurance Policy reimburses out of pocket costs associated with identity theft including lost wages, legal fees, medical records request fees, CPA fees, child care, and much more

• Safeguards with multiple layers of protection - easy to use tools securely store and recover important documents and cards

MetLife Voluntary Benefit OptionsFor more information see pages 34-37. For details about each plan and the rates, go to The Zone > Benefits Enrollment Docs

Accident Insurance

This policy helps to cover you and your family for out-of-pocket expenses associated with an accidental injury, and helps to protect your savings should an accidental injury occur.

Critical Illness Insurance

This plan protects you and your family from the financial impact of cancer, a heart attack, stroke, or kidney failure. You can purchase coverage in increments of $10,000 or $20,000.

MetLaw - Discounted Legal Services

This plan provides access to legal services with over 12,000 attorneys specializing in estate planning, family law, real estate and many other legal needs. Coverage is available for you and your family.

*The monthly cost will be deducted evenly, based upon your weekly or semi-monthly payroll..

*Except in states where coverage is required to be provided by the employer

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Next StepAdditional Benefits

Maximum Employee Contribution

Regular 401(k) Contributions $19,500

Catch-up Contributions (50+) $6,500

2019 401(k) Limits

401(k) catch-up contributions are allowed for employees age 50 or older in 2020. Catch-up contributions must be elected annually by submitting a benefit change request, using the reason code “Update 401k Catchup” in The Zone under the Benefits tab.

! Remember

Additional Benefits401(k) Retirement Plan – Wells FargoAfter 90 days of service, full-time employees may contribute up to 50% of their salaries on a pre-tax basis up to the annual maximum of $19,500. If you are age 50 or older, you may contribute additional catch-up contributions up to the annual maxiumum of $6,500. The company matches annual contributions up to 6% or a maximum of $3,000. In order to receive a matching contribution you must be employed on December 31. After three years of service, you are 100% vested in the company-matching contribution. At www.wellsfargo.com, you may enroll, find information about the investment funds, request a loan or hardship withdrawal, change your deferral amount, and designate a beneficiary. Contact Wells Fargo at 800-728-3123 for more information.

Employee Assistance ProgramSometimes balancing work and family activities can create stress that is hard to handle on your own. To help you through these times, you can receive confidential counseling and referrals through the EAP at no cost to you. You and your eligible dependents can use the program. No enrollment is necessary and all employees are eligible.

Counseling is available through the EAP for personal issues such as:

• Family, parenting or marital concerns/problems

• Emotional difficulties like stress, depression, anxiety, guilt or grief

• Drug and alcohol dependency

• Eating disorders like anorexia or bulimia

• Conflicts at work or crisis situations

• Questions about legal or financial concerns

• Questions on child or elder care

Counselors are available 24 hours a day and you can receive at no cost up to three onsite counseling sessions at per person per year with an EAP counselor. For more information, call Lifeworks at 877-234-5151 and use the Company Code GOODMAN GLOBAL or visit the website at www.lifeworks.com; user name: goodman / password: eap.

Video Conferencing

Available!

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Additional Employee Programs

Quit For LifeQuit for Life is a smoking cessation program available through the American Cancer Society. As the nation’s leading tobacco cessation program, they have helped more than One Million members quit to date.

• The Quit for Life program is completely voluntary for you and your spouse if covered on any of the company Medical Plans. Enrollment and results will be completely confidential.

• The Plan covers ONE treatment and coaching program for you or your spouse at no charge. Additional programs, if needed, are available at a rate of $350.00 per person.

• After enrolling, you are matched with a quit coach who helps you develop a personalized quit plan, provides guidance in choosing medicines, and gives ongoing follow-up support.

See page 41 for additional information. If interested, contact Quit for Life at 866-QUIT-4-Life or 866-784-8454 or go online to www.quitnow.net. We encourage you to take this first step to better health and end your smoking habit.

Purchasing Power • Offers payroll deduction program to purchase brand name computers, electronics, appliances, etc.

• Payments are made over 12 months

• Prices include product, warranties, taxes, delivery with no down payment

• Employees are eligible after one year of full-time employment

• Account limits are based on annual income in lieu of a credit check

• www.goodman.purchasingpower.com or 888-923-6236 code: GGL2316

Abenity Discount Program• Provides a collection of local and national discounts from thousands of companies as well as

printable and mobile coupons

• Company-specific discounts like our Employee Purchase Program or the Whirlpool VIPLink program can be found on the site https://goodmanmfg.abenity.com, code: GOODMAN

MetLife Home & Auto Insurance• Employees have an easy way to compare and save. With just one call you’ll receive quotes from

multiple companies at one time. Call 1-877-638-7515 today and mention discount code B1W.

• Special discounts and flexible payment options

• Discounts available for having a good driving record and safe car

• Tenure discount based on years of service

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Next StepEnroll

STEP 1After reviewing this brochure, begin your benefit enrollment by logging in to THE ZONE

https://TheZone.goodmanmfg.com

STEP 2Add your dependents and beneficiaries under MY DEPENDENTS and MY BENEFICIARIES options in the benefits menu. Beneficiaries must be age 18 or over.

STEP 3Go to BENEFITS > BENEFIT CHANGES in The Zone. The Benefit Change Date is your hire date and the Benefit Change Reason will be “New Hires”. Click the button to continue.

Pre-Tax Benefits• MEDICAL & DENTAL - Select the Buy Up,

Core, or Base HDHP plan and the level of coverage

• VISION - Select the level of coverage only

• FLEX SPENDING AND HEALTH SAVINGS - Select Health and/or Dependent Care, or HSA Single or Family – You will designate the annual amount later (see Step 6).

Voluntary Benefits• Walk through each of the voluntary benefits.

Specific details on each are included in the various plan documents available under Benefit Enrollment Docs in The Zone.

STEP 4Select only those dependents to be covered on each plan. When you are done, press RECALCULATE and, if satisfied, CONTINUE.

STEP 5Designate beneficiaries for each life insurance plan selected.

STEP 6 If you elected to participate in the flex spending or the health account you will add the amounts on the savings plan worksheet.

STEP 7Confirm your benefit changes. If you need to make changes use the back button on the screen (not on your browser). You will be able to scan and upload any forms needed at this step. When you are finished with your selections, hit the SUBMIT icon (looks like the SAVE button).

You will be prompted to re-enter your password for The Zone upon submitting your elections.

If you have not been prompted to enter your password, your elections have NOT been submitted!

How to Enroll

For detailed step-by-step instructions, see the enrollment instructions posted in The Zone > Benefit Enrollment Docs.!

!

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SPD’s can be found in the Zone under the Benefit Enrollments tab.

Start by going to The Zone-https://TheZone.goodmanmfg.com to view benefit enrollment documents and to find links to our benefit providers.

BCBS Texas (Medical)www.bcbstx.com or 1-855-891-9881

Optum Rx (Prescription)www.optumrx.com or 1-888-869-4600

MetLife Dentalwww.metlife.com/mybenefits or 1-800-942-0854

Davis Visionwww.davisvision.com or 1-800-999-5431

Optum Bank (Flex)www.optumbank.com or 1-800-243-5543

Wells Fargo (401k)www.wellsfargo.com or 1-800-728-3123

Purchasing Powerwww.goodman.purchasingpower.com or 1-888-923-6236 code: GGL2316

Abenity Discount Programhttps://goodmanmfg.abenity.com code: GOODMAN

Need More Information?

More DetailsDefinition of a DependentDependents are your lawful spouse and any child of yours who is less than 26 years old. The term child means a child born to you or a child legally adopted by you. It also includes a stepchild, a foster child, or a child for whom you are the legal guardian.

Healthcare ReformYour 2019 W-2 will include the annual portion paid by the Company for your health insurance coverage. This is in compliance with the healthcare reform law. The amount will be listed in Box 12, Code DD. You will also receive a Form 1095C that confirms the period of healthcare coverage in 2019. This information will be needed when you file your 2019 taxes.

1999 Women’s Health and Cancer Rights Act Our plans comply with this act by providing coverage for mastectomies and for reconstructive surgery and prostheses following mastectomies. This coverage will be provided in consultation with the patient and the patient’s attending physician and will be subject to the same annual deductible, co-insurance and/or co-payment provisions otherwise applicable under the Plan.

Making ChangesIf you have a family status change this year, you will be able to make changes to your elections. Family status changes include, but are not limited to, new marriage, divorce, legal separation, annulment, birth, adoption or placement for an adoption of an eligible child, death of your spouse or covered child, change in your spouse’s work status that affects his or her benefits eligibility, or change in your work status that affects your benefits eligibility.

If you have a family status change, you must submit a benefit change request through The Zone within 31 days of the event and provide proof of the change (marriage license, birth certificate, etc). Otherwise, you will have to wait until the next annual enrollment period to make benefit changes.

About this Guide & Benefits Eligibility InformationThis guide describes the benefit plans/policies available to employees. The details of these plans and policies are contained in the official plan and policy documents, including some insurance contracts. This guide is meant only to cover the major points of each plan or policy. It does not contain all of the details that are included in your Summary Plan Description (as described by ERISA)*

If there are any questions, or if there is a conflict between the information in this guide and the formal language of the plan or policy documents, the formal wording in the plan or policy documents will govern. Please note that the benefits described in this guide may be changed at any time and do not represent a contractual obligation on the part of the company.

Regular, full-time employees working 30 or more hours each week are eligible for the following benefits upon date of hire: medical, dental, vision, basic life, voluntary term life, flexible spending, critical illness, identity theft protection, and employee discounts. After 90 days of employment, full-time employees become eligible for the 401(k) retirement plan. After one year, they become eligible for Purchasing Power. Salaried employees are eligible for short and long term disability on the first of the month following 90 days of employment. Hourly employees are eligible on the first of the month following one year of service.*

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Appendix

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Get information about your health benefits, anytime, anywhere. Use your computer, phone or tablet to access the Blue Cross and Blue Shield of Texas (BCBSTX) secure member website, Blue Access for Members (BAMSM).

With BAM, you can:

• Check the status or history of a claim

• View or print Explanation of Benefits statements

• Locate a doctor or hospital in your plan’s network

• Find Spanish-speaking providers

• Request a new ID c ard – or print a temporary one Text* BCBSTXAPP to 33633 to get the BCBSTX App that lets you use BAM while you’re on the go.

*Message and data rates may apply

1 Go to bcbstx.com/member

2 Click Register Now

3 Use the information

on your BCBSTX ID card

to complete the

registration process.

It’s easy to get started

Blue Access for MembersSM

Get all the advantages your health plan offers

17A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association 55525.0917

2 3 4 5

6

7

9

8

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1 My Coverage: Review benefit details for you and family members covered under your plan.

2 Claims Center: View and organize details such as payments, dates of service, provider names, claims status and more.

3 My Health: Make more informed health care decisions by reading about health and wellness topics and researching specific conditions.

4 Doctors & Hospitals: Use Provider Finder® to locate a network doctor, hospital or other health care provider, and get driving directions.

5 Forms & Documents: Use the form finder to get medical, dental, pharmacy and other forms quickly and easily.

6 Message Center: Communicate with a Customer Service Advocate here. You can also learn about updates to your benefit plan and receive promotional information via secure messaging.

7 Quick Links: Go directly to some of the most popular pages, such as medical coverage, replacement ID cards, manage preferences and more.

8 View My Plan: See the details of your current health plan, as well as other plans you’ve had in the past.

9 Settings: Set up notifications and alerts to receive updates via text and email, review your member information and change your secure password at anytime.

10 Help: Look up definitions of health insurance terms, get answers to frequently asked questions and find Health Care School articles and videos.

11 Contact Us: Here you can find contact information to reach a Customer Service Advocate with any questions you may have about your plan.

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Find what you need with Blue Access for Members

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• Find an in-network doctor, hospital or urgent care facility

• Access your claims, coverage and deductible information

• View and email your member ID card

• Log in securely with your fingerprint

• Access Health Care Accounts and Health Savings Accounts

• Download and share your Explanation of Benefits*

• Get Push Notifications and access to Message Center*

Available in Spanish

Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association 727545.1117

Stay connected with Blue Cross and Blue Shield of Texas (BCBSTX) and access important health benefit information wherever you are.

bcbstx.com/mobile

Text** BCBSTXAPP to 33633 to get the app. * Currently only available on iPhone®. iPhone is a registered trademark of Apple Inc.

** Message and data rates may apply. Terms and conditions and privacy policy at bcbstx.com/mobile/text-messaging.

The BCBSTX App!

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Explore reasons for enrolling in a qualifying high-deductible health plan (HDHP) paired with a health savings account (HSA).

When it’s time to select your health plan, the choice is usually between two types:

1. A traditional copay plan (PPO)

2. A qualifying high-deductible health plan coupled with a health savings account

Choosing an HDHP and funding a health savings account is often the financial winner because you get:

• Income tax-free savings to cover a variety of qualified medical expenses now and into the future

• Typically lower premiums

• More control of your health care dollar

While everyone’s plan options are different, when you line them up side by side, a qualifying high-deductible health plan (HDHP) with a funded HSA is the better deal in many scenarios. This can be true for both planned expenses as well as the unplanned. Often, the lower premiums combined with the tax savings end up costing you less than paying the higher premiums and copays in a traditional plan.

And if you don’t have immediate medical needs, you have the potential to save even more. The money you put in your HSA will be there for you next year or the year after, potentially growing all the way to retirement and beyond. You may also choose to invest your HSA in mutual funds based on your individual circumstances and goals.

Why an HDHP with an HSA may be the right choice for you

See how an HSA worksLisa signed up for a high-deductible health plan through her employer last year. Because she has a chronic asthma condition, she was happy to hear she could open an HSA to save for her asthma prescriptions and doctor visits. Here’s how she saves money while keeping up with treatment.

1. Lisa figured out that she spends about $3,000 on her doctor visits and supplies each year. Then she set up pre-tax HSA contributions through payroll deduction to cover that amount. Lisa’s HSA contribution saves her $1,130 in taxes,* which essentially reduces her asthma expenses to $1,870 for the year.

2. Whenever Lisa needs to see the doctor or order supplies, she uses her HSA to pay for it. So, she doesn’t have to pay anything out-of-pocket.

3. She uses the U.S. mail-order pharmacy option available through her health plan to save even more.

4. Lisa checks her balance frequently at optumbank.com. If she notices it’s getting low and she hasn’t reached the IRS contribution limit for the year, she deposits additional funds online or increases her payroll deduction contribution through her employer.

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Here’s how your HSA helps you saveYour HSA is designed to work with an IRS-qualifying high-deductible health plan to protect you and your family against unexpected health care costs. When you use your HSA, it’s like using a 25–35 percent coupon for your qualified medical expenses.** That’s because HSA contributions are tax advantaged.

For example, let’s say you visit your dentist and receive a bill for $400. When you pay with your HSA, you will save between $100 and $140 dollars based on your tax rate.

About Optum Bank HSAsYour employer has partnered with Optum Bank, Member FDIC, to administer your HSA. As a digital, analytics and technology leader, Optum Bank is the only HSA bank that is connecting health and finance in unprecedented ways. We make it easy to plan, save and pay for health care with the right tools, resources and information based on your needs.

Some of the ways we’re building a better banking experience include:

• Highest rated mobile app — 4.5/5

• Virtual assistance using Alexa and Google Home

• 24/7 chat feature to answer your educational questions instantly

• Apple, Google and Samsung Pay — first company to offer convenient HSA fund access

• The Optum Bank Academy — a best-in-class HSA education experience, equipping you with the knowledge and tools you need to get the most out of your health care dollar

• Easier ways to invest — enhancements to the Optum Bank investments site for ease of navigation and video education

• And more

Open your accountCheck with your employer or benefits specialist to learn about your company’s application process. You may be able to sign up through your employer’s benefits enrollment site, or enroll at optumbank.com.

Why an HDHP with an HSA may be the right choice for you

*Tax savings based on a 25% federal tax rate, 5% state tax rate and 7.65% FICA. **Based on a 25–35 percent combined payroll and income tax rate.

Health savings accounts (HSAs) are individual accounts offered or administered by Optum Bank®, Member FDIC, and are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may reduce earnings on account. The content of this communication is not intended as legal or tax advice. Federal and state laws and regulations are subject to change

© 2018 Optum Bank, Inc. All rights reserved. WF312154 76887-082018

Have questions? Visit optumbank.com or download the mobile app.

Investments are not FDIC insured, are not guaranteed by Optum Bank®, and may lose value.

21

MyBenefits

Learn more about your MetLife benefits

The MetLife Mobile App is available on the iTunes® App Store and Google Play. Download the app, and use it to find a participating dentist, view your claims1 and to see your ID card.2

MetLife benefits information right from your desktopThe MyBenefits web site is a quick and easy way for you to get the information you need about your MetLife benefits — all in one place. Log in at metlife.com/mybenefits to see how we’ve taken personalization and integration to a new level.

Personalized homepage to all your MetLife benefitsGet more information on your MetLife benefits, where you can link to detailed coverage information and can perform tasks, such as:

Dental Plans — Easily find a participating dentist or view your benefits, copay or coinsurance amount, and claims1 online. Plus, you will have access to our extensive Oral Health Library to research important dental topics.

Dental ID cards are available online for you to download and print at your convenience.1 Cards contain your name, employer’s name and group number. Also included are MetLife’s claims submission address,1 website address, customer service telephone number and a service number for International Dental Travel Assistance.3

Additional MyBenefits features include:• Planning tools that you can use to help you make informed decisions regarding

your retirement, benefits coverage as well as other useful information for a varietyof everyday topics.

• Forms and documents that you may need are located in the “Tools & Resources”area at the bottom of the MyBenefits home page for you to download.

• In the “News & Updates” section you’ll find information from MetLife and youremployer such as enrollment dates and new product offerings.

• Online claims tracking and email notifications called eAlerts, which will provideinformation regarding status changes to your claims for certain benefits.1

metlife.com/mybenefits

22

1/ The Davis Vision Collection is available at most participating independent provider locations. Collection is subject to change. Collection is inclusive of select toric and multifocal contacts.

2/ Additional discounts not applicable at Walmart, Sam’s Club or Costco locations.3/ Including, but not limited to toric, multifocal and gas permeable contact lenses.4/ For dependent children, monocular patients and patients with prescriptions of 6.00 diopters or greater.5/ Transitions® is a registered trademark of Transitions Optical Inc.6/ Enhanced frame allowance available at all Visionworks Locations nationwide.Davis Vision has made every effort to correctly summarize your vision plan features. In the event of a conflict between this information and your organization’s contract with Davis Vision, the terms of the contract or insurance policy will prevail.

For more details about the plan, just log on to the Open Enrollment section of our Member site at davisvision.com.

Contact HR Shared Services at (713) 346-6350 for more information.

Designer Vision Plan

OE01086 11/16/16

How to locate a Network Provider...Just log on to the Open Enrollment section of our Member site at davisvision.com and click “Find a Provider” to locate a provider near you including:

One-year eyeglass breakage warranty included on plan eyewear at no additional cost!

Healthy eyes and clear vision are an important part of your overall health and quality of life. Your vision plan helps you care for your eyes while saving you money by offering:

Eye examination, eyeglasses and contacts will becovered after applicable basic copayment!

Frame Collection: Your plan includes a selection of designer, name brand frames that are completely covered in full./1

Contact Lens Collection: Select from the most popular contact lenses on the market today with Davis Vision’s Contact Lens Collection./1

IN-NETWORK BENEFITS

Eye Examination Every 12 months, Covered in fullafter $10 copayment

Eyeglasses

Spectacle LensesEvery 12 months, Covered in full after $5 copaymentFor standard single-vision, lined bifocal, or trifocal lenses

Frames

Every 24 months, Covered in full Any Fashion or Designer frame from Davis Vision’s Collection/1 (value up to $160)

OR$90 retail allowance toward any frame from provider, plus 20% off balance/2

OR$140 allowance, plus 20% off balance to go toward any frame from a Visionworks family of store locations./6

Contact Lenses

Contact Lens Evaluation, Fitting & Follow Up Care

Every 12 months,Collection Contacts: Covered in full

ORNon Collection Contacts:Standard Contacts: 15% discount/2

Specialty Contacts/3: 15% discount/2

Contact Lenses (in lieu of eyeglasses)

Every 12 months, Covered in fullAny contact lenses from Davis Vision’s Contact Lens Collection/1 after $10 copayment

OR$105 retail allowance toward provider supplied contact lenses, plus 15% off balance/2

ADDITIONAL DISCOUNTED LENS OPTIONS & COATINGS

MOST POPULAR OPTIONSSavings based on in-network usage and average retail values.

WithoutDavis Vision

WithDavis Vision

Scratch-Resistant Coating $25 $0Polycarbonate Lenses $66 $0/4-$30Standard Anti-Reflective (AR) Coating $83 $35Standard Progressives (no-line bifocal) $198 $50Photochromic Lenses (i.e. Transitions®, etc.)/5 $110 $65

Goodman Global Holdings, Inc.,a Delaware Corporation

Savings up to:

$434

Service WithoutDavis Vision

WithDavis Vision

Eye Examination $103 $10Lenses

Bifocals $116 $5Scratch-Resistant Coating $25 $0Transitions®/5 $110 $65

Frame $160 $0

Total $514 $80

Lower costs and more benefits! See the savings!

Employee Contributions Monthly AnnuallyEmployee $2.66 $31.92Employee plus One $9.15 $109.80Employee plus Family $14.34 $172.08

Please note: Employees only are entitled to safety eyewear.

23

A smart way to care for the important things in your life.

Optum Bank® Flexible Spending Account (FSA)

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Plan for health care expenses.

An Optum Bank® FSA the smart way to save and pay for eligible health care expenses. It’s smart because you can set aside pre-tax dollars in your FSA. You don’t have to pay federal or FICA taxes on the money you put into your account and many state taxes are also exempt. Whenever you need to pay out-of-pocket for eligible health care costs, just use your Optum Bank debit Mastercard®. The card is accepted everywhere Mastercard® is. It’s that easy.

Access your funds immediately.

The money you choose to put into your FSA is available to you on the first day of your plan year. You don’t have to wait until your FSA balance grows to pay for eligible expenses.

The “use it or lose it” rule.

The “use it or lose it” rule means that you will lose any money left in your account at the end of the plan year. So be sure to try to use all of your FSA funds. But even if some funds are left in your account at the end of the plan year, you may still come out ahead because of the tax savings.

It’s your choice. You decide how much to contribute.

With an FSA, you choose how much to contribute. Be sure to plan ahead by creating a list of anticipated health care expenses for the coming year.

With the Optum Bank debit Mastercard® it’s easy to pay for eligible health care expenses.

Expense Estimated cost

Prescriptions Prescription drugs $

Co-payments and co-insurance Office visit co-payments $ Co-insurance payments $ Other co-payments $

Dental Dentist $ Orthodontist $

Vision and hearing Eye exams $ Eyeglasses and contacts $ Hearing aid $

Your total expenses for plan year $

You may be able to use your FSA to pay for:

• Alcohol and drug addiction inpatient treatment

• Breast reconstruction surgery following a mastectomy or cancer

• Dental treatment

• Diagnostic tests and devices

• Doctor’s visits

• Prescriptions

• Eye exams

• Eyeglasses and contact lenses

• Fertility enhancements

• Hearing aids and batteries

• Physical therapy

• Smoking cessation programs

You CANNOT use your FSA to pay for:

• Cosmetic surgery

• Diaper service

• Electrolysis or hair removal

• Health club dues

• Over-the-counter drugs and medicines (unless prescribed)

• Toiletries (soap, body lotion)

• Teeth whitening

• Weight loss programs (unless prescribed)

• Vitamins and nutritional supplements

IMPORTANTThis is only a partial list. For a complete list of eligible expenses, check your employer’s plan documents.

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Start saving today. Sign up for an Optum Bank FSA during benefits enrollment. After you enroll, watch the mail for your welcome letter and Optum Bank debit Mastercard®.

Your account and Social Security.

When you contribute to an FSA, the money is deducted from your paycheck before taxes. As a result, you may be reducing your future Social Security benefits. To calculate Social Security, the government uses the income you earn throughout your career. Only you can decide if the tax savings of an FSA justify the reduction in future Social Security benefits.

Access your account anywhere, anytime.Log in to your account at optumbank.com or use our mobile app to:

• Check your balance

• Submit a claim

• Monitor payments

• Receive messages

• Submit receipts

Paying for eligible expenses.

With your Optum Bank debit Mastercard®, you can pay for eligible health care expenses without submitting any paper claim forms. It’s fast and convenient. Fill a prescription. Pay and be on your way.

You can also pay for eligible health care expenses with a personal credit card or check. Just submit a claim request online, or on the mobile app, along with the right documents, and receive your reimbursement directly into your bank account. Sign up for direct deposit when you log in to optumbank.com.

Save your receipts.

Be careful how you use your FSA. There are rules. You will want to keep receipts from your doctors, dentists, clinic, pharmacy and hospital for all eligible health care expenses. All receipts should include the date and description of service, provider’s name and amount paid. That way, you have proof if you need to verify that all of your FSA expenses meet IRS requirements for eligibility.

Plan ahead.

Each year, you have to use all of the money in your FSA, or you will lose money left in your FSA at the end of the plan year. It’s important to think about how much you spend on health care before you decide how much to contribute. Some plans may have a grace period extension. Check your employer’s plan document to see if this applies to you.

Changing your contributions.

In special situations — such as marriage, divorce, or, if you have a baby — you may be able to adjust the amount you contribute to your FSA. This is called a qualifying change in status. If you have a change in status, your benefits representative can help you adjust your contributions. For specific details, check your employer’s plan document.

If you leave the company during the plan year, you may submit FSA claims for expenses incurred while you were still covered under the plan.

26

optumbank.com

11000 Optum Circle, Eden Prairie, MN 55344

All Optum trademarks and logos are owned by Optum. All other brand or product names are trademarks or registered marks of their respective owners. Because we are continually improving our products and services, Optum reserves the right to change specifications without prior notice. Optum is an equal opportunity employer.

© 2018 Optum, Inc. All rights reserved. WF150721 41968C-022018

Flexible spending accounts are administered by OptumHealth Financial Services, Inc. and are subject to eligibility and restrictions.

This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment and restrictions. Federal and state laws and regulations are subject to change.

Take control. Start using your account today. An FSA is a great way to pay for eligible health care expenses that your insurance plan doesn’t cover. It’s simple to enroll:

Decide how much you want to set aside for eligible health care expenses during the plan year.

Sign up during your annual benefits enrollment period. Your contributions will be withheld from each paycheck before taxes and credited to your FSA.

Use your Optum Bank debit Mastercard® to pay for eligible health care expenses. If you prefer, you can use a personal check or credit card and submit a claim request. It’s simple and fast. Either way, you’ll enjoy the tax-advantaged savings.

3

1

2

27

Save on taxes.

With an Optum Bank® dependent care flexible spending account (DCFSA), you can save for day care, child care, nursery school and preschool tax-free. If you are working, you are able to use your account to pay for the care of your child under the age of 13 or to care for qualifying dependent adults, like elderly parents, who can’t care for themselves.

How it works.

You can enroll in a dependent care FSA as long as you and your spouse are working, looking for work or are a full-time student.

With a dependent care FSA, you choose how much to contribute, up to a maximum of $5,000 per household, per year. Your employer deducts this amount from each paycheck, before taxes. You don’t have to pay federal, state or payroll taxes on the money credited to your account, although a couple of states do tax contributions. You save money as you lower your income taxes.

Dependent care funds are deposited every pay period.

The money you contribute to your dependent care FSA is deducted from your paychecks and deposited into your account. The total funds you contribute annually are not immediately available at the beginning of the plan year. This is an important difference between a dependent care FSA and a health care FSA. As soon as you have money in your dependent care FSA, you can use it to pay for eligible dependent care expenses.

Dependent CareFlexible Spending Accounts

Save for day care, child care, preschool, summer day camps and adult day care.

Start saving today. Sign up for an Optum Bank dependent care FSA during benefits enrollment.

You may be able to use your account to pay for:

• Nursery school and preschool• Eligible child care• Before and after school programs• Babysitters• Adult day care for an elderly dependentFor a full list of eligible expenses, contact your benefits representative.

Optum Bank® Dependent CareFlexible Spending Accounts

28

11000 Optum Circle, Eden Prairie, MN 55344

All Optum trademarks and logos are owned by Optum. All other brand or product names are trademarks or registered marks of their respective owners. Because we are continually improving our products and services, Optum reserves the right to change specifications without prior notice. Optum is an equal opportunity employer.

© 2018 Optum, Inc. All rights reserved. WF150721 41971C-022018

optumbank.com

Dependent care flexible spending accounts are administered by OptumHealth Financial Services, Inc. and are subject to eligibility and restrictions.

This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment and restrictions. Federal and state laws and regulations are subject to change.

Important things to know about your account.

How to enroll.

Things to consider:

• What dependent care services will you need during the year?

• How often will you use these services?

• How much will everything cost?

Support and account information.

Your account information is available anytime at optumbank.com.

Changing your contributions.

In special situations — if you have a baby, adopt a child or become responsible for an adult — you may be able to adjust the amount you contribute to your dependent care FSA. This is called a change in status. If you have a change in status, your benefits representative can help you adjust your contributions. If you leave the company during the plan year, you may be able to submit claims for the rest of the year.

Health accounts can affect your taxes.

Depending on your taxable income, a dependent care FSA may save you more money than the tax credit on your income tax filing. You can’t claim a dependent care tax credit on your federal income tax return for services that were reimbursed by your dependent care FSA. Consult a tax advisor to see what option is best for you.

It’s simple to manage your account.

Optum gives you the resources you need to make the most of your health care dollars. Access your account anytime at optumbank.com or through our mobile app.

29

About Sun Life’s Short-Term Disability insurance1

• Begin receiving benefi ts—after your claim isapproved—in as soon as 1 day from the date youare unable to work due to an injury and 8 daysdue to an illness (these durations are referred toas “elimination periods”).

• Receive a weekly check (after your claim isapproved) for up to 12 weeks—as long as you arestill unable to work due to a covered disability.

• If your Disability occurs within the fi rst 12 monthsof coverage (or date of any increase of coverage)or if you saw a doctor for symptoms relating tothat Disability within the 3 months prior to thestart of your coverage, that is considered a pre-existing condition and you may not be eligiblefor your benefi t.

Make sure your paycheck is protected during a short-term disability.Short-Term Disability insurance provides you with a weekly cash benefi t to help pay for everyday expenses (such as mortgage/rent, utilities, childcare, or groceries) if you are unable to work for a short time due to a covered disability (e.g., back injuries, recovery from surgery, or even maternity leave).

1. In Vermont, the product name is Short-Term Income Replacement insurance when the Maximum Benefi t Duration elected is less than 26 weeks.

This policy contains limitations and exclusions that may affect benefi ts. Please see the certifi cate or ask your benefi ts administrator for information on Elimination Periods, Waiting Periods, and Pre-Existing Conditions limitations.

This coverage does not constitute comprehensive health insurance (often referred to as “major medical coverage”) and does not satisfy the requirement for Minimum Essential Coverage under the Affordable Care Act.

Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 93P-LH and12-STDPort-C-01. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Windsor, CT) under Policy Form Series 13-GP-LH-01, 13-STD-C-01, and 13-STDPort-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations.

© 2017 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.

SLPC 28716 10/17 (exp. 01/18) GSTDFL-EE-6853e

One Sun Life Executive ParkWellesley Hills, MA 02481

www.sunlife.com/us

FOR ALL BENEFIT-ELIGIBLE EMPLOYEES

Short-Term Disability insurance

Act quickly! You must sign up during your New Hire enrollment period to receive STD coverage with no medical questions asked! For more information, contact HR Services at (713) 346-6350 or HRServices@daikincomfort.com.

30

FOR ALL BENEFIT-ELIGIBLE EMPLOYEES

Optional Life insurance

About Sun Life’s Life insuranceTake comfort in knowing that Life insurance can provide the people you love with fi nancial support when you can’t be there—and they need it most.

• Consider supplementing your employer-paidLife insurance if your income is needed to coverhousehold or day-to-day expenses, or if youshare responsibility for a signifi cant debt withsomeone else.

• Adjust your coverage as your needs change(e.g., you get married or have a baby), since youare covered for a year at a time.1

• Apply to take your coverage with you if youretire or change employers.2

• Apply to receive a portion of your death benefi tto help cover medical and living expenses if youbecome terminally ill.

How Sun Life’s Life insurance can helpLife insurance may provide additional fi nancial support by:

• covering household expenses,• relieving debt (e.g., mortgage or student loans)

you might leave behind,• allowing your family members to hire someone

if they need help when you are gone,• leaving an inheritance for your loved ones or even

for an organization you are passionate about, and• assisting your family with the cost of your funeral

or medical bills.

Protect the life you love by securing it for the people most important to you.

1. If the amount you apply for exceeds the Guaranteed Issue amount or if you decline coverage during your initial eligibility period and want to elect coverage or increase coverage at a later date, you are required to complete and submit an Evidence of Insurability application, which must be approved by Sun Life prior to coverage taking effect.2. Subject to policy terms, conversion is available when coverage terminates or reduces or when an employee retires, and portability is available when employment terminates. Coverage is subject to state variations. If portability is not available in your state, continuation may be available. Refer to your Certifi cate for specifi c conditions.The Accelerated Benefi t is not long term care insurance. It will reduce the total amount of your life insurance benefi t payable under the Policy by the amount of the accelerated payment. Receipt of an Accelerated Benefi t may be taxable; you should consult your tax advisor for specifi c advice. Receipt of an Accelerated Benefi t may affect your eligibility for public assistance programs. This coverage does not constitute comprehensive health insurance (often referred to as “major medical coverage”) and does not satisfy the requirement for Minimum Essential Coverage under the Affordable Care Act.Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 93P-LH, 98P-ADD, 07P-LH-PT/07C-LH-PT, 01P-ADD-PT/01C-ADD-PT, 12-GP-01, 13-ADD-C-01, 12-GPPort-P-01, and 13-ADDPort-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations.© 2017 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us. SLPC 28713 10/17 (exp. 01/18) GOLFL-EE-6854f

One Sun Life Executive ParkWellesley Hills, MA 02481

www.sunlife.com/us

Act quickly! Sign up during your New Hire enrollment period and you can receive up to $200,000 in coverage with no medical questions asked!1 For more information, contact HR Services at (713) 346-6350 or HRServices@daikincomfort.com.

31

Cost per Month* by Age & Coverage Amount

Coverage Amounts

<25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+

$10,000 0.48 0.48 0.72 1.04 1.60 2.64 4.48 7.92 11.36 19.20 25.12$20,000 0.96 0.96 1.44 2.08 3.20 5.28 8.96 15.84 22.72 38.40 50.24$30,000 1.44 1.44 2.16 3.12 4.80 7.92 13.44 23.76 34.08 57.60 75.36$40,000 1.92 1.92 2.88 4.16 6.40 10.56 17.92 31.68 45.44 76.80 100.48$50,000 2.40 2.40 3.60 5.20 8.00 13.20 22.40 39.60 56.80 96.00 125.60$60,000 2.88 2.88 4.32 6.24 9.60 15.84 26.88 47.52 68.16 115.20 150.72$70,000 3.36 3.36 5.04 7.28 11.20 18.48 31.36 55.44 79.52 134.40 175.84$80,000 3.84 3.84 5.76 8.32 12.80 21.12 35.84 63.36 90.88 153.60 200.96$90,000 4.32 4.32 6.48 9.36 14.40 23.76 40.32 71.28 102.24 172.80 226.08

$100,000 4.80 4.80 7.20 10.40 16.00 26.40 44.80 79.20 113.60 192.00 251.20$110,000 5.28 5.28 7.92 11.44 17.60 29.04 49.28 87.12 124.96 211.20 276.32$120,000 5.76 5.76 8.64 12.48 19.20 31.68 53.76 95.04 136.32 230.40 301.44$130,000 6.24 6.24 9.36 13.52 20.80 34.32 58.24 102.96 147.68 249.60 326.56$140,000 6.72 6.72 10.08 14.56 22.40 36.96 62.72 110.88 159.04 268.80 351.68$150,000 7.20 7.20 10.80 15.60 24.00 39.60 67.20 118.80 170.40 288.00 376.80$160,000 7.68 7.68 11.52 16.64 25.60 42.24 71.68 126.72 181.76 307.20 401.92$170,000 8.16 8.16 12.24 17.68 27.20 44.88 76.16 134.64 193.12 326.40 427.04$180,000 8.64 8.64 12.96 18.72 28.80 47.52 80.64 142.56 204.48 345.60 452.16$190,000 9.12 9.12 13.68 19.76 30.40 50.16 85.12 150.48 215.84 364.80 477.28$200,000 9.60 9.60 14.40 20.80 32.00 52.80 89.60 158.40 227.20 384.00 502.40$210,000 10.08 10.08 15.12 21.84 33.60 55.44 94.08 166.32 238.56 403.20 527.52$220,000 10.56 10.56 15.84 22.88 35.20 58.08 98.56 174.24 249.92 422.40 552.64$230,000 11.04 11.04 16.56 23.92 36.80 60.72 103.04 182.16 261.28 441.60 577.76$240,000 11.52 11.52 17.28 24.96 38.40 63.36 107.52 190.08 272.64 460.80 602.88$250,000 12.00 12.00 18.00 26.00 40.00 66.00 112.00 198.00 284.00 480.00 628.00$260,000 12.48 12.48 18.72 27.04 41.60 68.64 116.48 205.92 295.36 499.20 653.12$270,000 12.96 12.96 19.44 28.08 43.20 71.28 120.96 213.84 306.72 518.40 678.24$280,000 13.44 13.44 20.16 29.12 44.80 73.92 125.44 221.76 318.08 537.60 703.36$290,000 13.92 13.92 20.88 30.16 46.40 76.56 129.92 229.68 329.44 556.80 728.48$300,000 14.40 14.40 21.60 31.20 48.00 79.20 134.40 237.60 340.80 576.00 753.60$310,000 14.88 14.88 22.32 32.24 49.60 81.84 138.88 245.52 352.16 595.20 778.72$320,000 15.36 15.36 23.04 33.28 51.20 84.48 143.36 253.44 363.52 614.40 803.84$330,000 15.84 15.84 23.76 34.32 52.80 87.12 147.84 261.36 374.88 633.60 828.96$340,000 16.32 16.32 24.48 35.36 54.40 89.76 152.32 269.28 386.24 652.80 854.08$350,000 16.80 16.80 25.20 36.40 56.00 92.40 156.80 277.20 397.60 672.00 879.20$360,000 17.28 17.28 25.92 37.44 57.60 95.04 161.28 285.12 408.96 691.20 904.32$370,000 17.76 17.76 26.64 38.48 59.20 97.68 165.76 293.04 420.32 710.40 929.44$380,000 18.24 18.24 27.36 39.52 60.80 100.32 170.24 300.96 431.68 729.60 954.56$390,000 18.72 18.72 28.08 40.56 62.40 102.96 174.72 308.88 443.04 748.80 979.68$400,000 19.20 19.20 28.80 41.60 64.00 105.60 179.20 316.80 454.40 768.00 1004.80$410,000 19.68 19.68 29.52 42.64 65.60 108.24 183.68 324.72 465.76 787.20 1029.92$420,000 20.16 20.16 30.24 43.68 67.20 110.88 188.16 332.64 477.12 806.40 1055.04$430,000 20.64 20.64 30.96 44.72 68.80 113.52 192.64 340.56 488.48 825.60 1080.16$440,000 21.12 21.12 31.68 45.76 70.40 116.16 197.12 348.48 499.84 844.80 1105.28$450,000 21.60 21.60 32.40 46.80 72.00 118.80 201.60 356.40 511.20 864.00 1130.40$460,000 22.08 22.08 33.12 47.84 73.60 121.44 206.08 364.32 522.56 883.20 1155.52$470,000 22.56 22.56 33.84 48.88 75.20 124.08 210.56 372.24 533.92 902.40 1180.64$480,000 23.04 23.04 34.56 49.92 76.80 126.72 215.04 380.16 545.28 921.60 1205.76$490,000 23.52 23.52 35.28 50.96 78.40 129.36 219.52 388.08 556.64 940.80 1230.88$500,000 24.00 24.00 36.00 52.00 80.00 132.00 224.00 396.00 568.00 960.00 1256.00

Voluntary Life Insurance Rate Sheet

Employee and/or Spouse Voluntary Life Coverage

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Child Voluntary Life CoverageCoverage Amount Cost per Month*$10,000 $2.00

*The monthly cost will be deducted evenly, based upon your appropriate pay period.

*The monthly cost will be deducted evenly, based upon your appropriate pay period.

32

Identity and Credit Monitoring. Enjoy peace of mind with proactive monitoring for the most damaging types of fraud.* Uncover and resolve issues early to help minimize damages. Your credit is monitored through TransUnion, Equifax and Experian.

Credit Scores and Reports. Stay informed and protect your financial assets by detecting credit misuse quickly. Access a monthly credit score and a credit report each year from TransUnion.

Threshold Monitoring. Gain control of your finances as you set limits on and manage all transactions, from all your accounts in one place.

Financial Transaction Monitoring. Stay ahead of fraud with alerts that are triggered from additional data sources on credit, debit and checking accounts.

Social Media Reputation Monitoring. Actionable alerts help defend you and your family from reputational damage or cyberbullying. We monitor Facebook, LinkedIn, Twitter, and Instagram profiles.

IDENTITY, FINANCIAL AND PRIVACY PROTECTION

Enjoy peace of mind, financial reassurance and time saving expertise with InfoArmor’s comprehensive identity protection plan PrivacyArmor.

*Network provides comprehensive coverage, although no solution can detect all suspicious activity. Nonetheless, our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done.

†Identity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies describe.

Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

‡Family coverage is available for individuals that are supported by you financially or live under your roof. ©2016 InfoArmor, Inc. All rights reserved.

PRIVACYARMOR®

Wallet Protection. Minimize stress and potential damages. InfoArmor can easily replace the contents of a lost or stolen wallet through an online, secure vault that conveniently stores important documents.

Digital Exposure Report. Take control of your privacy. Our deep internet search creates a snapshot of your exposed information online.

Privacy Advocate® Remediation. Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves.

$1,000,000 Identity Theft Insurance Policy. If you are a victim of fraud, we will reimburse your out of pocket costs to reinforce your financial security.†

Solicitation Reduction and IdentityMD. Reduce unwanted calls, mail and preapproved credit offers and receive guidance on how to limit exposure to fraud.

PLANS AND PRICING $9.95 per person per month $17.95 per family per month‡

LEARN MORE ATMyPrivacyArmor.comQUESTIONS? CALL 800 789 2720

33

“InfoArmor gives me peace of mind knowing my personal information is secure. This is especially important in a time when data breaches seem to be occurring more and more frequently.”

– Mary K.

Sources: 1) Javelin Strategy and Research: 2015 Identity Fraud Report

2) Javelin Strategy and Research: 2017 Identity Fraud Report

©2016 InfoArmor, Inc. All rights reserved.

“I trust my company to pick an identity theft prevention company that will protect me and my family.” -Lauren B.

“I feel confident using InfoArmor to protect me. I’m a hard worker and I don’t want some hacker to steal my hard earned money.”

– Steve A.

YOUR IDENTITY BELONGS TO YOU,PROTECT IT TODAY.

What are PrivacyArmor participants saying?

2SECONDS

Every 2 seconds an identity is stolen.1

15.4MILLION

Number of identity theft victims in 2016.2

$16BILLION

Amount stolen from fraud victims in 2016.2

40PERCENT

Amount of fraud that takes place without a card present.2

AUTO-ONFEATURES AUTOMATICALLY ACTIVATEDChloé’s company has added InfoArmor’s PrivacyArmor as a company benefit. After InfoArmor receives her social security number and email address, she begins receiving personalized monitoring and alert notifications.

Compromised CredentialsMonitoring

High Risk TransactionAlerts

Credit Monitoringand General Alerts

Privacy Advocate Remediation

Financial TransactionMonitoring

$1,000,000 Identity Theft Insurance Policy*

USER ACTIVATEDADDITIONAL FEATURESREQUIRING ACTIVATIONChloé logs into her PrivacyArmor online account and enters in the additional information required to activate the comprehensive suite of features for maximum digital identity and financial wellness protection.

Wallet Protection

Social Media ReputationMonitoring

Digital Exposure Report

Solicitation Reduction

Threshold Monitoring

Identity Monitoringand Alerts

Credit Scores and ReportsEvent Specific Credit Alerts

B2C-PRODUCT-PAP-VOL-FLY

34

Overview Accident Insurance

ADF# AI1692.17

Accident insurance: why is it so important?

Accidents can happen when you least expect them. And while you can’t always prevent them, you can get help to make your recovery less expensive and stressful.

In the U.S. there are approximately 40 milliontrips to the emergency room annually due to injuries.1

These visits can be expensive—in fact, ER bills average around $1,233 per visit,2 and even seemingly small injuries can come with unexpectedly high hospital bills.

You may be thinking—that’s why I have health insurance. But even the best medical plans may leave you with unexpected expenses like deductibles, copays, extra costs for out-of-network care, and non-covered services.

You can’t plan for accidents, but you can handle them better by being financially prepared.

How it works

Accident insurance provides a financial cushion for life’s unexpected events. You can use it to helppay costs that aren’t covered by your medical plan. It provides you with a lump-sum payment—one convenient payment all at once—when you or your family need it most. The extra cash can help you focus on getting back on track, without worrying about finding the money to help cover the costs of treatment.

And best of all, the payment is made directly to you, and is in addition to any other insurance you may have. It’s yours to spend however you like, including for your or your family’s everyday living expenses.

Whatever you need while recovering from an accident or injury, accident insurance is there to make life a little easier.

With MetLife Accident Insurance, you can take your coverage with you if you change jobs or retire.3

Enroll today! For questions, please call MetLife at 1 800 GET-MET8(1-800-438-6388)

Why should I enroll now?• Competitive

group rates• Guaranteed

acceptance4

• Easy payroll deduction

• Portable coverage so you can take it with you3

35

Overview Critical Illness Insurance

ADF# CI798.15

Why is having critical illness insurance so important?Your family’s expenses will continue if and when a critical illness occurs.Studies show that some families spend as much as $14,444 or more during a time of critical illness and recovery.1 And while financial experts recommend having 3–9 months of living expenses set aside to help in an emergency situation2 like undergoing a serious illness, with today’s economy, most families don’t have that kind of money in reserve.

Quality health and disability income insurance plans aren’t always enough. There may still be coverage gaps. Disability income plans cover a portion of your income while health insurance may leave you with some expenses to pay including:

• Health plan deductibles • Out-of-network treatments• Prescription copays • Alternative treatments

Critical illnesses can happen at any age and more often than you may think.

The odds of you or a family member suffering a critical illness are actually quite surprising. Studies have shown:

• The average age for onset of a critical illness is 43.3 • Every year about 735,000 Americans have a heart attack.4 • 1 out of every 2 men will be diagnosed with cancer at some point in their lives.5 • 1 out of every 3 women will be diagnosed with cancer at some point in their lives.5 Critical illness insurance can help safeguard your finances by providing you with a lump-sum payment when your family needs it most. The payment you receive is yours to spend as you see fit and in addition to any other insurance you may have.

How can having MetLife Critical Illness Insurance benefit you and your loved ones?MetLife Critical Illness Insurance provides a lump-sum payment if you or a covered family member6 is diagnosed with one of the following medical conditions and meets the policy and certificate requirements: Full Benefit Cancer,7 Partial Benefit Cancer,7 All Other Cancer,7 Heart Attack, Stroke,8 Coronary Artery Bypass Graft, Kidney Failure, Alzheimer’s disease,9 Major Organ Transplant and the 22 Listed Conditions.10 Your plan pays a Recurrence Benefit for the following Covered Conditions: Heart Attack, Stroke, Coronary Artery Bypass Graft, Full Benefit Cancer, Partial Benefit Cancer and All Other Cancer. A Recurrence Benefit is only available if an Initial Benefit has been paid for the Covered Condition. There is a Benefit Suspension Period between Recurrences.11

Payments will be made directly to you, not to the doctors, hospitals or other health care providers. You will receive a check mailed directly to your home. The payment you receive is yours to spend as you see fit and may be used to cover ongoing household bills like:

• Groceries • Child care• Mortgage and car payments • Or any other way you want; the choice is yours

Enroll today! For questions, please call MetLife at 1 800 GET-MET8(1-800-438-6388)

Why should I enroll now?• Competitive

group rates• Your acceptance is

guaranteed providing you are actively at work.12

• Rates will not increase due to age.13

• Convenient payroll deduction

• Portable coverage enables you to take it with you if your employment status changes.14

Help protect yourself, your family, and your budget from the financial impact of a critical illness.

1. MetLife Accident and Critical Illness Impact Study, October 2013.2. www.bankrate.com, How big should your emergency fund be?, Accessed May 2017.

36

Critical Illness Insurance

ADF#CI1863.18

Health Screening Benefit (HSB)

Enrollment period: [DATE-DATE]. To learn more and enroll, visit [www.website.com] or call [1 800 GET-MET8]

Some of the covered screening/prevention measures are:

Annual physical exam

Pap smear or thin prep pap test

Carotid doppler

Colonoscopy, virtual colonoscopy

Human papillomavirus (HPV) vaccination

Endoscopy

Electrocardiogram (EKG)

Breast exams: mammogram, breast ultrasound & breast sonogram

Skin cancer screening

Stress test on bicycle or treadmill

Blood Test to determine total cholesterol

[For a complete list, please see a copy of your Plan Summary.]

At least 60% of the annual colorectal cancer deaths in the U.S. could be prevented with recommended screenings.2

For women in their 40s and 50s, annual mammogram screenings decrease breast cancer deaths by 15 to 29%.3

The MetLife Health Screening Benefit4 provides you coverage for taking care of your health.

Make the most of your coverageYou’re likely already getting one of these health screenings annually, so why not receive a benefit for doing so? With MetLife’s Health Screening Benefit, available with critical illness insurance (CII), you’ll receive [$50] each calendar year you take one of the covered screenings or tests.

Filing a claim is easy!1. Log on to www.metlife.com/mybenefits and enter [XYZ Company] in the Company Name field. Click the ‘Next’ button.2. You will then see the ‘Welcome to MyBenefits’ page where you can register as a MyBenefits user or if you have already registered,

enter your name and password.3. Select “File a Claim Online” from the I want to dropdown.4. Select “Wellness (Health Screening)”.5. Or call 800 GET MET8 (1 800-438-6388) to file your claim or obtain additional information.6. Have your physician’s name, address, phone number, and testing information details available.Claims are generally processed within 10 business days

How it worksSusan goes to the doctor for her annual physical. Afterwards, she contacts MetLife by calling the telephone number below or going online to submit her HSB claim. Susan will need to have available her physician’s name and phone number, treatment dates and details. Susan receives her HSB payment within 10 days or less. It’s that easy!

This payment is in addition to your CII Total Benefit Amount and any medical insurance reimbursement you may receive as well.

With competitive employee rates, you can get critical illness insurance for less than the monthly price of a gym membership.5

Annual physicals help reveal changes to your health in a timely manner, making any necessary treatment more likely to succeed.1

You’re likely already getting one of these health screenings annually, so why not receive a benefit for doing so? With MetLife’s Health Screening Benefit, available with critical illness insurance (CII), you’ll receive $50 each calendar year you take one of the covered screenings or tests.

For a complete list, please see a copy of your Plan Summary.

Log on to www.metlife.com/mybenefits and enter Goodman Manufacturing in the Company Name field. Click the ‘Next’ button.

Enrollment period: 10/29/2018 - 11/19/2018. To learn more, call 1 800-438-6388.

37

In collaboration with

Facts & Stats

Enrollment period: 10/29/18 - 11/19/2018. For questions, call 1-800-821-6400.

Discounted monthly rates, unlimited usageThere are many benefits to enrolling in Hyatt Legal. If you use it just once in a year, it is very likely that the plan will more than pay for itself.

Review the table to see the potential savings for a legal insurance plan member who enrolls in Hyatt Legal and uses a network attorney for four basic legal matters.

Example of Personal Legal Matters and Costs2

Wills for Employee and Spouse $676Medical Powers of Attorney $169Home Refinancing $1,690Total

Hyatt Legal3

$2,535$198 per year $2,337

Potential Savings

Whether it’s a planned event like buying a home or preparing a will, or an unexpected problem, like a speeding ticket, most of us need legal counsel at some point.

54%With discounted employee rates, you can get Hyatt Legal coverage for monthly rates less than the cost of...

for 2: Tickets, drink, popcorn

Movie outingCoffee Fix

3x per week,medium cup

Based on average costs at national retail chains

of unleaded gas for a sedan

Tankful

What you need to know about Hyatt coverage:• Members receive unlimited access to a large network of experienced attorneys by phone, email or in person for some of the most

frequently needed personal legal matters. This includes times in life such as: – Getting married – Buying or selling a home

• Telephone advice and office consultations on an unlimited number of personal legal matters.• No copays or deductibles to pay and no claim forms to complete when you use a network attorney.• For your convenience, premiums will be automatically deducted from your paycheck.

– Starting a family – Caring for aging parents

– Dealing with identity theft – Sending kids off to college

Legal Services

of working adults have been involved in a legal issue in the last year.1 The cost of Hyatt Legal coverage for the whole year is less than the average lawyers hourly fee.2

38

Employee Assistance Program (EAP) Counseling Services

From time to time, we all need support to deal with an issue or challenge. If you could benefit from professional help to proactively address a personal or work-related concern, you can turn to LifeWorks.

The Employee Assistance Program (EAP) is available to you and your dependents at no additional cost (as defined by your benefits plan) and includes access to confidential counseling. Here are just some of the ways that EAP counseling can help:

• You’re dealing with conflict or changes at work and it’s affecting your productivity.

• You’d like to learn to better control anger or manage stress.

• You recently learned you have a chronic illness or disability.

• You’re going through a separation or divorce.

• You’re concerned about an addicted spouse or family member.

• You’re struggling with self-esteem or communication issues; parenting challenges; midlife concerns;sexual orientation or gender identity, or other personal issues.

© LifeWorks US Inc. 2018

Apple and the Apple logo are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc., registered in the US, and other countries. Google Play and the Google Play logo are trademarks of Google Inc.*If your issue is ongoing in nature, your counselor will likely refer you to an appropriate resource in your community, and support you in how to access that resource. If you or someone in your immediate family is in a state of crisis, we will offer the necessary support to stabilize the situation.

To get started, contact LifeWorks toll-free anytime, 24/7, to speak with a caring advisor for guidance, resources, and a referral to a counselor for up to face-to-face or video sessions for short-term, solution-focused counseling.* All our counselors are experienced therapists with a minimum Master’s degree in psychology, social work, educational counseling, or other social services field.

Call us, toll-free::

TTY:

En español:

Visit us online:

User ID:

Password::

Get the “LifeWorks” app!

3

login.lifeworks.com 877-234-5151

goodman 800-999-3004

eap 888-732-9020

39

Take the first step towardquitting today.

1.866.QUIT.4.LIFE (1.866.784.8454)

www.quitnow.net

The Quit For Life® Program is brought to you by the American Cancer Society® and Alere Wellbeing. The two organizations have 35 years of combined experience in tobacco cessation coaching and have helped more than 1 million tobacco users. Together they will help millions more make a plan to quit, realizing the American Cancer Society’s mission to save lives and create a world with more birthdays.

© 2012 Alere. All rights reserved. Quit For Life is a registered trademark of the Alere group of companies. The American Cancer Society name and logo are trademarks of the American Cancer Society, Inc.

When you join our program, we’ll help you create an easy-to-follow Quitting Plan that will show you how to get ready, take action, and live

the rest of your life as a nonsmoker. Your Quitting Plan will include:

It’s FREE. It’s confidential. It works.

Quitting Aids. We’ll help you decide which type, dose, and duration of nicotine substitute or medication is right for you, and teach you how to use it so it really works.

Quit Guide. We’ll send you an easy-to-use printed workbook you can reference in any situation to help you stick with your Quitting Plan.

Quit Coach®. You will have expert phone support and assistance whenever you need it.

Web Coach®. You’ll get access to a private, online community where you can complete activities, watch videos, track your progress, and join in discussions with others in the program.

Text2Quit®. In addition to calls with your Quit Coach®, you will receive supportive text messages on your mobile phone to help you prepare to quit, use medications correctly, manage urges, and avoid relapse.

40

Notes