SYKES 2017 BENEFITS ANNUAL ENROLLMENT

PRESENTATION FOR GROUP 2 EMPLOYEES | OCTOBER 2016

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• Eligibility

• What’s New for 2017

• When and How to Enroll

• Medical Plans

• Dental Plan

• Vision Plan

• Spending & Savings Accounts

• Voluntary Insurance

• Employee Assistance Plan (EAP)

• Saving Money

• Benefits Resources

WHAT THIS PRESENTATION COVERS

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ELIGIBILITY

• Employees who regularly work at least 30 hours per week

• Your spouse and dependent children

• Your domestic partner and his/her dependent children

• All benefits except life insurance

Note: If you regularly work fewer than 30 hours per week, you may be still eligible for the Transamerica medical plans and some Aflac options.

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Your costs stay the same:

No rate/premium changes this year!

Plus, with the new $4,500 deductible plan option, you’ll even save money

on premiums!

No change in plan premiumsWHAT’S NEW

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WHAT’S NEW

• Annual Enrollment: 10/13 – 10/27

• Plan designs are similar to last year, with some new offerings

• This year is an active benefits enrollment for the 2017 plan year for:• Medical• Dental • Vision• Spending Accounts

• There is a new $4,500 deductible medical plan.

• In order to enroll or re-enroll, check premiums, or make changes, you’ll need to take the steps as noted in this presentation and in the enrollment materials.

• Help needed? Licensed Benefits Counselors are a few clicks or a phone call away

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• Telemedicine is available for all BCBS and UHC medical plans. This is new for Blue Cross Blue Shield Plans for 2017.

• Low on time and money for a doctor’s visit? • Talk to a live doctor or nurse by phone with

the new Telemedicine feature offered in our 2017 BCBS and UHC medical plans.

• Get medical advice, prescriptions, and more while saving an average of $60 perdoctor’s visit*.

Telemedicine is now available for BCBS and UHC medical plans.WHAT’S NEW

* Depending on plan type

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Employees will now log into Mercer Marketplace with their SYKES NT/network username and password at:

SYKESBenefits.sykes.com

(Just like Employee Self-Service and other SYKES websites!)

Single Sign-On: One less password to rememberWHAT’S NEW

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You must enroll either during the Annual Enrollment period (Oct. 13 – Oct. 27), or if you are a new hire, during your benefits eligibility waiting period.

Coverage takes effect: January 1st for Annual Enrollment New hires become effective the first of the

month after 60 days from the end of your 30-day Orientation Period, but in no case longer than 120 days from your hire date.

WHEN TO ENROLL

Password Help:See next slide

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SINGLE SIGN-ON INSTRUCTIONS

With single sign-on, you are now able to log on to the Mercer Marketplace using your SYKES NT/network username and password at: sykesbenefits.sykes.com

What if I lock out my SYKES NT Network password?

If you attempt to log in too many times with the wrong password and get locked out, you can:

Option 1: Wait 30 minutes for the password to unlock.

Option 2: Contact the SYKES SDC helpdesk at 1-888-556-0450.

HOW TO ENROLL ONLINE

What should I do if I still can’t get logged in?Call Mercer Marketplace at 1-855-543-4322. A licensed Benefits Counselor will log your issue

and take your enrollment via phone.

You can make changes to your benefit electionsuntil the enrollment period ends.

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QUALITY BENEFIT OPTIONS HAVE YOU COVERED

Medical & Pharmacy

Dental

Vision

Discounts(Perkspot)

Supplemental (Voluntary Benefits)

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Several medical plan options for Group 2 employees:

1. Low Limited Benefit Medical Plan2. Medium Limited Benefit Medical Plan3. High Deductible Health Plans (HDHPs)

$2,500 Deductible Plan with Health Savings Account (HSA)

New: $4,500 Deductible Plan with Health Savings Account (HSA)

All plan options satisfy your obligation to have medical insurance as mandated by the Affordable Care Act.

More Flexibility with Several Medical Choices for Group 2MEDICAL PLAN OPTIONS

All plan documents and Summary Plan Descriptions govern.

HDHP MEDICAL PLANS

• Two HDHP options:

1. $2,500 deductible plan with optional Health Savings Account

- Pharmacy benefits through OptumRx

2. $4,500 deductible plan with optional

Health Savings Account

- Pharmacy benefits through OptumRx

What’s the same between the plans? What’s different between the plans?

• All plans satisfy your obligation under Healthcare Reform to have coverage

• All plans cover essential benefits (preventive services) at 100% in-network

• Both plans can be paired with optional Health Savings Accounts (HSAs)

• What you pay for covered services differs from plan to plan

Please consult the 2017 Benefit Guide for full details on plan details and cost. Or, you may also call a licensed Mercer Marketplace Benefits Counselor at 1-855-543-4322 with questions.

All plan documents and Summary Plan Descriptions govern.

NEW FOR 2017!Please visit sykes.com/usbenefits/for a helpful video on understanding HDHPs.- Google Chrome Browser is best for viewing.

SUPPLEMENTAL MEDICAL INSURANCE• Supplemental medical insurance (such as Accident, Critical

Illness, or Hospital Indemnity) protects you from expenses not covered by your medical plan.

• In fact, you may be able to save money by adding a supplemental plan to a lower cost medical plan.

• Supplemental plans are available in most, but not all states.

• Coverage is available for you and your dependents.

• On their own, supplemental plans do not provide the minimum level of coverage needed to meet ACA requirements.

Employee Type Resource

Virtual employees Mercer Marketplace

Brick-and-mortar employees Local Aflac representative or call 1-877-504-8100

CONSIDER OTHER OPTIONS

Depending on your:

• Household income

• Family size

Medicaid could:

Offer comprehensive coverage

Cost less

Keep you safe from any tax penalties

Check to see if you qualify for Medicaid:→ Contact a licensed Mercer Marketplace Counselor at

1-855-543-4322→ Go to healthcare.gov

PRESCRIPTION DRUGS

$2,500 deductible $4,500 deductible

• Retail Prescriptions(Tiers 1, 2, and 3)

• 70% after deductible

• Mail order prescriptions (Tiers 1, 2, and 3)

• 70% after deductible

The deductible is waived for some “maintenance” medications. Transamerica Plan: Very limited prescription drug reimbursement benefit.

DENTAL PLANS Administered by Delta Dental

(www.deltadental.com) You pay a percentage of the cost for service You may see any dentist—but a network

dentist will save you money based on a negotiated rate

Plan Feature Coverage AmountStandard Plan Basic Plan

Maximum Benefit Per Calendar Year $1,500 $750Individual/family deductible $50/$150 $50/$150

Preventive Plan pays 100% Plan pays 90%Basic Services Plan pays 80% Plan pays 70%Major Services Plan pays 50% Not covered

Orthodontia services Not covered Not coveredOrthodontia maximum lifetime (in-network and out-of-network) Not covered Not covered

VISION PLAN Vision plan administered by EyeMed

Go to the EyeMed website to find a provider in your area (www.eyemedvisioncare.com)

Standard Vision PlanPlan Feature In-NetworkEye Exam (once/year) $10 copayStandard Lenses (once/year) $25 copayContact Lens Fitting (once/year) Not to exceed $55Frames (once/24 months) Up to $130; 20% discount off any amount

over allowance

Contact Lenses (in lieu of frames & lenses) (once/year)

Up to $130

SPENDING & SAVINGS ACCOUNTS

You can save money on your health care and dependent care costs through the use of tax-advantaged accounts that allow you to use before-tax dollars to pay for eligible expenses.

Flexible Spending Account (FSA)

Health Savings Account (HSA)

For additional details, visit sykesbenefits.sykes.com

Please visit sykes.com/usbenefits/ for a helpful video on the Health Savings Account.

For a complete list of eligible expenses, visit www.irs.gov and see

Publication 502.

TERM LIFE AND ACCIDENTAL DEATH & DISMEMBERMENTAFLAC: PERMANENT LIFE

Virtual employees can elect permanent life via the Mercer Marketplace website at sykesbenefits.sykes.com

Brick-and-mortar agents should contact their local Aflac representative

Evidence of Insurability (EOI) Evidence of Insurability may be required for enrollment into these plans; if so, you will be prompted for it during the enrollment process.

SHORT-TERM AND LONG-TERM DISABILITY

Short-Term Disability (STD) – Voluntary coverage that pays you a fixed dollar benefit while away from work for a short-term disability Virtual employees can elect STD insurance through

the Mercer Marketplace at sykesbenefits.sykes.com Brick-and-mortar agents should contact their local

Aflac representative

Evidence of Insurability (EOI) Evidence of Insurability may be required for enrollment into these plans; if so, you will be prompted for it during the enrollment process.

If you live in a state that requires your employer to offer short-term disability benefits, your disability will be coordinated between your employer and the state. This applies to employees in California,

New York, New Jersey, Rhode Island, Hawaii and Puerto Rico.

OTHER SUPPLEMENTAL (VOLUNTARY) BENEFITS

Transit Flexible

Spending Account

Aflac plans

Pet Insurance

Health Advocate

ID Theft

Legal

Perkspot (Employee Discounts)

ID Theft

• Please note: Not all benefits are effective January 1, 2017. Some benefits are not

available in certain states.

THE EMPLOYEE ASSISTANCE (EAP) PROGRAM

An employee assistance program (EAP) is a program designed to assist you in resolving personal problems (such as marital, financial or emotional problems; family issues; substance/alcohol abuse) that may be troubling you.

No cost to you

Confidential counseling service offered 24x7 through ComPsych

https://www.guidanceresources.com/groWeb/login/login.xhtml

1-800-272-7255

Company Code: COM589

Referrals for help with personal issues

Other services

FamilySource

FinancialConnect

LegalConnect

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Here are two easy ways you can save moneyon healthcare expenses:

In-network vs. out-of-network: Before you visit a doctor, dentist, provider, or facility, make sure that the person or facility is in-network, meaning he or she (or it) is part of your health plan. If you see an out-of-network provider, your costs will be higher. You can check on this by calling the provider’s office, or by looking online. Usually, it’s safest to call.

Generic medications: Make sure that when you visit the pharmacy or call mail-order for your (or your family’s prescriptions), you ask for the generic equivalent of the medication. Sometimes, however, generic will not be available.

SMART WAYS TO SAVE MONEY

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GET ANSWERS TO YOUR BENEFITS QUESTIONS

Online sykesbenefits.sykes.com

Phone Support 1-855-543-4322

Monday through Friday7 am to 10 pm EST

Saturdays10 am to 2 pm EST

Additional Vendor Contact Information

Located in the 2017 Benefits Guides