WIXLIB

Flexible Spending AccountsFlexible Spending Accounts (FSAs) allow you to set aside money before federal and most state taxes are withheldand use this money to pay or be reimbursed for health care or dependent care expenses. Re-enrollment eachyear is required.» The Health Care FSA can be used for health-related expenses such as deductibles and copays for your medical,prescription drug, dental and vision expenses. The estimated annual contribution limit for 2021 is 2,750. You maystart using your FSA for expenses you incur from January 1, 2021. If you have funds remaining in your account as ofDecember 31, 2020, these funds (up to 500) will automatically be carried over to your 2021 account and can beused for 2021 expenses. Note: If you participate in the PPO Plus HSA medical plan and elect to participate in thisFlexible Spending Account, you will be enrolled in the Limited Purpose FSA. If the annual contribution limit is changedby the IRS to a different amount, we will notify participants who elect 2,750.» The Dependent Care FSA can be used for dependent day care (or nursing care) expenses which allow you to work.Eligible dependents include children under age 13 and adult dependents who are unable to care for themselves.You may contribute up to 5,000 for 2021. Your contributions go into this account with each paycheck, so youmay get reimbursed for the amount in your account at that time. There is no carryover for the Dependent Care FlexibleSpending Account. You will lose any money remaining in your account as of December 31, 2020.» The Limited Purpose Flexible Spending Account—If you participate in the PPO Plus HSA, you may contribute toboth the Health Savings Account and a Limited Purpose Flexible Spending Account (LPFSA). With an LPFSA, yourentire annual contribution goes into your account at the beginning of the year (just as with a regular FlexibleSpending Account). The estimated annual contribution limit for 2021 is 2,750. If you have funds remaining in youraccount as of December 31, 2020, these funds (up to 500) will automatically be carried over to your 2021account and can be used for 2021 expenses. If the annual contribution limit is changed by the IRS to a differentamount, we will notify participants who elect 2,750.You may only use the LPFSA for eligible dental and vision expenses until you have met the deductibleunder the PPO Plus HSA. Once the deductible is met, you can use the LPFSA for medical expenses too. Ifyou have significant dental and vision expenses, or expect to meet your deductible early in the year, you may wantto consider contributing to the LPFSA.For More Information, including a list of eligible expenses, go to www.WageWorks.com or call 1-877-924-3967.It’s important to consider whether you want to have both a Health Savings Account and a Limited PurposeFlexible Spending Account. Then, think about how much to put in each account – and use both accountsappropriately during the year.Pre-tax Transportation BenefitWith the Pre-tax Transportation benefit, benefits eligible employees use tax-free funds to pay for publictransportation and parking expenses. You decide how much to contribute and your deductions are automaticallytaken from your paycheck. You may start or stop participating or change your contribution amount at any timeduring the year. You do not need to make your election during Open Enrollment. Register for a Wage Works accountto get started by visiting www.wageworks.com.5

Disability and Life Insurance PlansBeginning January 1, 2021, Lincoln Financial will be our Life and Disability Insurance vendor. SunLife will continue toprovide these benefits through December 31, 2020./ong-Term DisabilityThe College provides full-time, eligible employeeslong- term disability insurance. This coverage helps protecta portion of your College salary if you suffer a disability thatprevents you from working. No election is required.Life Insurance7KH &ROOHJH SURYLGHV HOLJLEOH HPSOR\HHV ZLWK WHUP OLIH LQVXUDQFH HTXDO WR [ \RXU EDVLF DQQXDO HDUQLQJV URXQGHG WR WKH QH[W KLJKHU WR D PD[LPXP RI 7KLV FRYHUDJH SURYLGHV D EHQHILW WR \RXU EHQHILFLDU\ LHV LQ WKH HYHQW RI \RXU GHDWK » Optional Life Insurance. You may elect to buy 1x, 2x, 3x or4x your basic annual earnings, rounded to the next higher 1,000, to a maximum of 900,000(combined with your basic life insurance).61HZ 5HVRXUFHV 3URYLGHG E\ /LQFROQ )LQDQFLDO %HJLQQLQJ -DQXDU\ LifeKeys' includes an online resource for the informationyou need to recognize and prevent identity theft.Travel Connect,I \RX KDYH OLIH LQVXUDQFH WKURXJK WKH &ROOHJH \RX DOVR KDYH GHGLFDWHG VXSSRUW LI \RX IDFH DQ HPHUJHQF\ ZKHQ \RX·UH RU PRUH PLOHV IURP KRPH EstateGuidance offers you a quick and easy way tocreate and execute a will onlineFor more information, visit wellesley.edu/hr/benefits/lifeinsurance» Evidence ofInsurability (EOI). Any new election or increasein coverage will require Evidence of Insurability.» Spouse Life Insurance. If you elect optional life, you mayelect coverage for your spouse equal to a flat 15,000 or50% of your optional coverage. EOI required.The Wellesley College 403(b) Retirement PlanEligible participants may begin or change theirvoluntary contributions to the 403(b) Retirement Planat any time through Workday. You may also be eligibleto receive College Contributions to your account. The2020 403(b) Plan IRS contribution limit is 19,500.Employees age 50 and older can contribute anadditional 6,500. These limits may increase in 2021.Visit TIAA.com to:Certified Financial PlanningOur Certified Financial Planners can help you planfor retirement. This benefit is paid for by theCollege. Make an individual campus appointmentto talk through your options by emailingkrobins5@wellesley.edu.» Update Beneficiaries» Review Account Balance and Investment AllocationsTIAAFor assistance with the Wellesley College retirement plan, call TIAA weekdays 8am to 10pm and Saturday 9am to6pm (ET) at 800-842-2552.To schedule an appointment with TIAA call 800-732-8353 weekdays 8am to 8pm (ET) or visit TIAA.org/schedulenow.For More Information. Visit wellesley.edu/hr/benefits, or email ls103@wellesley.edu if you have questionsabout the 403(b) Retirement Plan. Be sure to review the Prosperous You section of the Whole You programfor information about upcoming webinars.

Other BenefitsCare.comThe Wellesley College Care.com benefits includeaccess to daycare and in-home back-up childcare andadult Care. This includes up to 10 days of child oradult back-up care per faculty/staff member peracademic year.»In-home care: 8 per hour»Select child-care centers: 25 per child»Personal Network: You can use a caregiver orcenter of your choice and be easily reimbursed for aportion of the costs that exceed your co-pay.Care.com also offers all types of care to help you manageyour life at home:» Child care. Find babysitters, nannies and tutors» Senior care. Help your parents stay independent within-home providers and transportation assistance» Pet care. Search for dog walkers, pet sitters andgroomers» Housekeeping. Hire housekeepers, house sitters anderrand runnersFor More Information. Visit wellesleycollege.care.com or call1-855-781-1303.Take Advantage of HealthAdvocateHealthAdvocate is a resource to help you find theright doctors, get cost estimates, resolve insuranceclaims and assist with adult care.You may go to http://healthadvocate.com, call 1-866695-8622 or email answers@healthadvocate.com atany time. Or look for the free mobile app by searching“Health Advocate Lifeline”.MetLaw Voluntary Legal PlanMetLaw, is a voluntary legal plan.MetLawprovides convenient professional legal counsel for avariety of services including Estate Planning, ElderLaw Matters, Real Estate transactions, ImmigrationAssistance and up to 20 hours of Divorce coverage. Ifyou elect to enroll in this voluntary program at a cost of 21 per month, it will cover you, your spouse anddependents and you will have access to a Nationwidenetwork of more than 15,000 attorneys.Once enrolled, you may find an attorney online or speakdirectly with a Customer Service Representative who canhelp find you an attorney.make an appointment. Additional resources are alsoavailable on the MetLaw website.For more information, visit wellesley.edu/hr/benefitsor visit info. legalplans.com and enter access code:Legal20.It is important to note that once you enroll in thisbenefit, you may not opt out until the following OpenEnrollment or if you experience a Qualifying Life Eventin the middle of the year.EmployeeAssistance gh AllOne Health can assist you and yourfamily with personal issues and offers low or nocost access to confidential counseling services, legaland financial assistance, referral services (e.g. forday care, adult care and general information onstress management tools and work/life balance issues.To contact AllOne Health, go to: mylifeexpert.com(use code wcollege and log-in to access resources) orcall 1-800-451-1834.Auto/Home InsuranceLiberty Mutual offers exclusive savings on autoand home insurance. To out more es orcall (781) 861-8750, Ext. 50311Metro Credit UnionOpen an account, obtain a loan or take out a mortgagethrough the Metro Credit Union. To learn more, visitwww.metrocu.org or call 877-696-3876.Union EmployeesUnion employees are governed by theircollective bargaining agreements.Disclosure Notice:The information in this communication presents basic information about the benefits provided to you by theCollege. In the event that this content conflicts with or is inconsistent with the plan documents, the provisions ofthe plan documents and/or other related insurance contracts are controlling and will govern.7

Required Annual Federal Health Insurance Notices for BenefitEligible EmployeesGeneral NoticesFor the purposes of these notices,the Plan Administrator is WellesleyCollege. If you have any questions,contact Kelly Robinson, HumanResources at 781-283-3202.SPECIAL ENROLLMENTRIGHTS8If you do not enroll yourself andyour dependents in a group healthplan after you become eligible orduring annual enrollment, youmay be able to enroll under thespecial enrollment rules underthe Health Insurance Portabilityand Accountability Act of 1996(“HIPAA”) that apply when anindividual declines coverage andlater wishes to elect it. Generally,special enrollment is available if(i) you declined coverage becauseyou had other health care coveragethat you have now lost through nofault of your own (or employercontributions to your otherhealth care coverage terminate);or (ii) you have acquired a newdependent (through marriage orthe birth or adoption of a child) andwish to cover that person.As long as you meet the necessaryrequirements, you can enroll bothyourself and all eligible dependentsin the group health plan if youprovide notice to the PlanAdministrator within 30 days afteryou lose your alternative coverage(or employer contributions to youralternative coverage cease) orthe date of your marriage or thebirth, adoption, or placement foradoption of your child. See the PlanAdministrator for details aboutspecial enrollment.CHIPYou may also enroll yourself andyour dependents in a group healthplan if you or one of your eligibledependent’s coverage underMedicaid or the state Children’sHealth Insurance Program (CHIP)is terminated as a result of lossof eligibility, or if you or one ofyour eligible dependents becomeeligible for premium assistanceunder a Medicaid or CHIP plan.Under these two circumstances,the special enrollment period mustbe requested within 60 days of theloss of Medicaid/CHIP coverage orof the determination of eligibilityfor premium assistance underMedicaid/CHIP. See the PlanAdministrator for details aboutspecial enrollment.GRANDFATHERED STATUSWellesley College does notmaintain any “grandfatheredhealth plans” under the PatientProtection and Affordable Care Act(the “Affordable Care Act”).SPECIAL RULE FORMATERNITY AND INFANTCOVERAGEGroup health plans and healthinsurance issuers generally maynot, under Federal law, restrictbenefits for any hospital length ofstay in connection with childbirthfor the mother or newborn childto less than 48 hours followinga vaginal delivery, or less than96 hours following a cesareansection. However, Federal lawgenerally does not prohibit theattending provider or physician,after consulting with the mother,from discharging the mother or hernewborn earlier than 48 hours (or96 hours, as applicable).SPECIAL RULE FOR WOMEN’SHEALTH COVERAGEThe Women’s Health and CancerRights Act of 1998 (“WHCRA”)requires group health plans,insurance issuers, and HMOswho already provide medical andsurgical benefits for mastectomyprocedures to provide insurancecoverage for reconstructivesurgery following mastectomies.This expanded coverage includes(i) reconstruction of the breaston which the mastectomy hasbeen performed; (ii) surgeryand reconstruction of the otherbreast to produce a symmetricalappearance; and (iii) prosthesesand physical complications at allstages of mastectomy, includinglymphedemas.NOTICE REGARDING LIFETIMEAND ANNUAL DOLLAR LIMITIn accordance with applicable law,none of the lifetime dollar limitsand annual dollar limits underour medical plan(s) shall applyto “essential health benefits,” asthis term is defined under Section1302(b) of the Affordable CareAct. The law defines “essentialhealth benefits” to include, at aminimum, items and servicescovered within certain categoriesincluding emergency services,hospitalization, prescription drugs,rehabilitative and habilitativeservices and devices, andlaboratory services, but currentlyprovides little further information.Accordingly, a determination as towhether a benefit constitutes an“essential health benefit” will bebased on a good faith interpretationby the Plan Administrator of theguidance available as of the date onwhich the determination is made.PATIENT PROTECTIONDISCLOSUREYou have the right to designateany participating primary careprovider who is available to acceptyou or your family members (forchildren, you may designate apediatrician as the primary careprovider). For information on howto select a primary care providerand for a list of participatingprimary care providers, contactthe Plan Administrator. You do notneed prior authorization from yourmedical plan or from any otherperson, including your primarycare provider to obtain accessto obstetrical or gynecologicalcare from a health careprofessional; however, you maybe required to comply with certainprocedures, including obtainingprior authorization for certainservices, following a pre-approvedtreatment plan, or procedures formaking referrals.For a list of participating healthcare professionals who specializein obstetrics or gynecology,contact the Plan Administrator.AFFORDABLE CARE ACTCONSUMER PROTECTIONSThe Affordable Care Act of 2010prohibits our medical plans, orany insurer, from rescinding yourhealth insurance coverage formisrepresentation.NOTICE OF MARKETPLACE/EXCHANGEIf this health insurance isunaffordable (your cost of thepremium exceeds 9.5% of yourincome) as defined under theAffordable Care Act , you mayhave the right to subsidized healthinsurance purchased through anexchange/marketplace createdpursuant to the Affordable CareAct.MICHELLE’S LAWMichelle’s Law provides forcontinued health and dentalbenefits for dependent childrenwho are covered under our medicaland/or dental plans as a studentbut lose their student status in apost-secondary school or collegebecause they take a medicallynecessary leave of absence fromschool. If your child is no longer astudent because he or she is outof school because of a medicallynecessary leave of absence, yourchild may continue to be coveredunder our medical plan for up toone year from the beginning of theleave of absence.THE GENETIC INFORMATIONNONDISCRIMINATION ACT(GINA)GINA prohibits the Plan fromdiscriminating against individualson the basis of genetic informationin providing any benefits under thePlan. Genetic information includesthe results of genetic tests todetermine whether someone isat increased risk of acquiring acondition in the future, as wellas an individual’s family medicalhistory.WELLNESSOur medical plans include aWellness Program that providesrewards when you completecertain activities. You have the rightto request a reasonable alternativeshould it be determined that it isnot medically advisable for you tocomplete these activities.

Important Notice from Wellesley College About Your PrescriptionDrug Coverage and MedicarePlease read this notice carefully and keep it where you can find it. Thisnotice has information about your current prescription drug coverage withWellesley College and about your options under Medicare’s prescriptiondrug coverage. This information can help you decide whether or not youwant to join a Medicare drug plan. If you are considering joining, you shouldcompare your current coverage, including which drugs are covered atwhat cost, with the coverage and costs of the plans offering Medicareprescription drug coverage in your area. Information about where you canget help to make decisions about your prescription drug coverage is at theend of this notice.Please note the following about your current coverage and Medicare’sprescription drug coverage:1. Medicare prescription drug coverage became available in 2006 toanyone with Medicare coverage. You can get this coverage if you join aMedicare Prescription Drug Plan or join a Medicare Advantage Plan (suchas an HMO or PPO) that offers prescription drug coverage. All Medicaredrug plans provide at least a standard level of coverage set by Medicare.Some plans may also offer more coverage for a higher monthly premium.2. Wellesley College has determined that the prescription drug coverageoffered by the Wellesley College HMO and PPO Plans are, on average forall plan participants, expected to pay out as much as standard Medicareprescription drug coverage pays and is therefore considered creditablecoverage. Because your existing coverage is creditable coverage, you cankeep this coverage and not pay a higher premium (a penalty) if you laterdecide to join a Medicare drug plan.WHEN CAN YOU JOIN A MEDICARE DRUG PLAN?You can join a Medicare drug plan when you first become eligible forMedicare and each year from October 15th through December 7th.However, if you lose your current creditable prescription drug coverage,through no fault of your own, you will also be eligible for a two-monthSpecial Enrollment Period (SEP) to join a Medicare drug plan.NOTE: You will get this notice each year. You will also get it before the nextperiod you can join a Medicare drug plan and if coverage through WellesleyCollege changes. You may request a copy of this notice at any time.FOR MORE INFORMATION ABOUT YOUR OPTIONS UNDERMEDICARE PRESCRIPTION DRUG COVERAGE More detailed information about Medicare plans that offer prescriptiondrug coverage is in the “Medicare & You” handbook. You’ll get a copy of thehandbook in the mail every year from Medicare. You may also be contacteddirectly by Medicare drug plans. For more information about Medicareprescription drug coverage: Visit www.medicare.gov, Call your State Health Insurance Assistance Program (see the insideback cover of your copy of the “Medicare & You” handbook for theirtelephone number) for personalized help or Call 1-800-MEDICARE (1-800-633-4227). TTY users should call1-877-486-2048.If you have limited income and resources, extra help paying for Medicareprescription drug coverage is available. For information about this extrahelp, visit Social Security on the web at www.socialsecurity.gov, or callthem at 1-800-772-1213 (TTY 1-800-325-0778).REMEMBERKeep this Creditable Coverage notice. If you decide to join one of theMedicare drug plans, you may be required to provide a copy of thisnotice when you join to show whether or not you have maintainedcreditable coverage and, therefore, whether or not you are requiredto pay a higher premium (a penalty).Date: October 16, 2020WHAT HAPPENS TO YOUR CURRENT COVERAGE IF YOU DECIDETO JOIN A MEDICARE DRUG PLAN?Name of Entity/Sender: Wellesley CollegeIf you decide to join a Medicare drug plan and you drop your currentWellesley College coverage, be aware that you and your dependents willbe able to get this coverage back only during Wellesley College’s openenrollment period or

Benefits Open Enrollment Human Resources Make Your Benefit Elections for 2021 in Workday by November 6 Open Enrollment is your once-a-year opportunity to make or change your benefit elections for the coming year. Please follow the steps below: 1. Log into Workday 2. Go to your Inbox (top right by your name) 3. Click on Open Enrollment Change 01 .