Retiree Health Reimbursement Account (HRA)

1 CenturyLinkRetireeandInactiveHealthPlanR etireeHealthReimbursementAccount (HRA)SUMMARYPLANDESCRIPTIONforCenturyLin kRetireesCenturyLink, January1, 2019 Updated October 20182019-1- RequiredForum for Legal (excluding Qwest Pre-1991 and ERO 92 retirees).. 18 COMPANYCOUPLESHRA (SUSPEND) HRA ,COMPLAINTS,HOWTOAPPEALA Decision?.. 27 NoticetoClaimantofAdverseBenefitDetermin ations(FirstLevel)..28 NoticeofBenefitDeterminationonAppeal(Sec ondLevelappeal)..28 BenefitClaim Required Forum for Legal (UNDERCOBRA).. , Required Forum for Legal GHTSASA YourPlan 39 PrudentActionsbyPlan with ChangeofStatusDuetoQualifiedLifeEvent:Ga ininEligibility. 41 Report ChangeofStatusDuetoQualifying NOTICEOF Required Forum for Legal (QMCSOS).

2 462019-3- of Falsification or Must Follow Plan (SPD) providesinformationregardingtheRetireeHe althReimbursementAccount (HRA)Benefitofferedto onlythoseMedicare-eligibleRetireesandthe irMedicare-eligibleDependents* whoareeligible fortheCenturyLinkRetireehealthcareBenefi tsunderthe optionis apart of WhoisEligible sectionof thisSPDformoreinformation.(*Note:LegacyE mbarqis the exceptionwithnon-Medicareeligiblepartici pantsallowedto accesstheSHARE/RRAasnotedin thebelowchart.). TheBenefitprovisionsvarybytheLegacycompa nyRetireegroupandBenefitsandfundingaresu bjecttochangefromtimetotimeandovertime,i naccordancewiththe Company sreservedrightsunder the ,there areseveralHRAgroupnamesestablishedto facilitatethe differencesin LegacyEmbarq SHARE/RRAaccountisalso consideredone oftheHRAsunder providedthroughoutthisdocumentandin HRASUBSIDY/FUNDINGFREQUENCYHOWHRAFUNDING CANBEUSEDHRAYEARENDBALANCERULEL egacyEmbarq(LEQ)

3 /SHARERRATheSHARE/RRAbalanceat the SHRARE/RRAvariesbyperson/andcanbeusedbyb othMedicareandnon-Medicare- eligibleRetiree/DependentThishasa onetimeallocationof fundingatyourretirement,asagreedto in thecollectivebargainingagreement, if -pocketexpensesformedical/prescription,d entalandvision(includingMedicarePartB premium,butexcludinganyCOBRA premiums).Balancerollsoverfromyearto year,butonceit is depletedthereis Pre-91 HRA$3,800/yearsingle$7,600/yearsinglew/s pouse(AdditionalfundsforMedicare-eligibl echild(ren))Premiumsforafter-taxmedical andprescription drug, dental and vision coverage(noout-of -pocketexpensesorMedicarePartBpremiums). Balanceatyearend, ifany,is forfeitedeachyear. Thereis RetireeHRASPDQ west ERO 92 HRALQ ERO 92 HRA$3,800/yearsingle$7,600/yearsinglew/s pouse(AdditionalfundsforMedicare-eligibl echild(ren))Premiumsforafter-taxmedical andprescription drug, dental and vision coverage(noout-of -pocketexpensesorMedicarePartBpremiums).

4 Balanceatyearend, ifany,is forfeitedeachyear. Thereis $2,570/yearsingle$5,140/yearsinglew/spou se(AdditionalfundsforMedicare-eligiblech ild(ren))Annualallocationoffunding,eachJ anuary1in -pocketexpensesformedical/prescription,d entalandvision(includingMedicarePartB,bu texcludinganyCOBRA premiums).Balance,if any,rollsoverfromyearto (LQ)Post-1990 Management/CSHRA$1,740/yearsingle$3,480/ yearsinglew/spouse(AdditionalfundsforMed icare-eligiblechild(ren))Premiumsonlyfor medical/prescription,dentalandvision(exc ludingPartBandanyCOBRA premiums).Balanceatyearend, ifany,isforfeitedeachyear. (LCTL), ,eachJanuary1in accordancewiththecollectivebargainingagr eement, if ,dentalandvision(excludingPartB andanyCOBRA premiums).

5 Balanceatyearend, ifany,is forfeitedeachyear. Thereis RetireeHRASPDPost-1990 ManagementandcertainLCTLR etireesonly/Dental HRAA mount ,eachJanuary1in accordancewiththecollectivebargainingagr eement, if themedicalHRA(butarenot trackedseparately asdentaldollars).Balanceat yearend, ifany,is onetimeallocationof ,asonlyoneHRAcanbeaccessedat a (notpremiums)formedical the balancecanbeappliedforthesametypesof expensesasunder theCDHP ,if any,continuesto SCONTACTLISTT hefollowing listprovidestollfreenumbersfor your useshouldyou needtocontactanyoftheadministratorsbelow forassistance:1)CenturyLink Service Center:800-729-7526 For ,oryour Medicare/Non-Medicare medicalcoverage,Press Option 2, then1 forHealthcareandcontinue )Your Spending Account (YSA):800-729-7526 ToinquireaboutyourHRA/ ,claimsreimbursement,ortosetupRecurring reimbursements, )ViaBenefits.

6 888-825-42522019-7- RetireeHRASPDE nrollmentandongoing )AonRetireeHealthExchange(formerlyAonHew ittNavigators)800-505-3575 Enrollmentandongoing Navigatorstoenrollin anindividual Medicarepolicyprior (hereinafter CenturyLink or Company ) ispleasedtoprovideyouwiththisSummaryPlan Description ( SPD ).ThisSPD and theother plan documents(suchas the PlanDocument,theSummaryofMaterialModific ations(SMMs) andmaterialsyoureceiveat AnnualEnrollments,if any) (hereafter collectivelythe"Plandocuments")brieflyde scribeyour Benefitsaswellas rightsandresponsibilities,undertheCentur yLinkRetireeandInactiveHealthPlan (the Plan ) andmakeuptheofficialSummaryPlanDescripti on forthisbenefitundertheEmployeeRetirement Income SecurityAct of 1974,as amended,andtheregulationsthereunder ("ERISA").

7 Theeffectivedate ofthisSummaryPlanDescriptionis January1, 2019. As partofthe Plan,thisHRAisexemptfrom therequirementsofthe PatientProtectionand AffordableCare Act( PPACA ).TheRetiree HealthReimbursementAccountwasestablished January1,2012 andwasofferedto the CenturyLink,QwestPost-1990 ManagementandEmbarqRetireeretirees. TheQwestPost-1990 OccupationalRetireegroupwasadded May1, 2014and the Qwest Pre-1991 and ERO 92 Retiree group was added January 1, :Qwest Pre-1991 and ERO 92 Retirees have options upon Medicare eligibility. The HRA guidelines do not apply unlessyou choose to enroll in this benefit HealthReimbursementAccount, HRA, (including SHARE/RRA) of thepremiumsyoupaytopurchaseanindividualM edicaremedical/prescription drug policyoutside ofCenturyLink(toreplaceyour CenturyLinkhealthcarecoverage).

8 Certain RetireegroupsmayalsousetheHRAsubsidyforo ut-of -pocketexpensesas noted inthechartat byCenturyLinkandare providedbasedfulfillmentof Retiree grouphealthcareBenefitsend(excluding Qwest Pre-1991 and ERO 92 2019-8- RetireeHRASPD retirees).Your CenturyLinkRetiree groupplanmedicalandprescription drug benefitsunder thePlanterminate thefirst of themonthin whichyoubecomeMedicare-eligibleandyour RetireeHRAisautomaticallyestablished andavailabletoaccessforreimbursementofcl aims,providedyousatisfythePlaneligibilit yrulesandelect RetireeHRAwouldnotbeavailableif you areenrolledin anyotherCenturyLinkmedicalplan,including youdelaytakingyour Retireehealthcarebenefits,thenyour HRAis InactiveHealth PlanprovidesHealthcarecoverageunderPlan amended from timetotimeandover timeandsponsoredbyCenturyLink, eligibleDependentsofCenturyLinkandcertai nCenturyLinksubsidiarieswhoretiredhaving satisfied certainageandservicecriteria.

9 EligibleDependent meansyour SpouseorChildrenwhoareeligiblefortheCent uryLinkRetiree healthcareBenefits,andthereforeeligiblet oreceivetheHRAsubsidyupon becoming :Whilethe Planhasprocessesin place topreventerrorsandmistakes,if aclericalerrorormistake happens(howeveroccurring)sucherrorormist ake doesnotcreate a righttoa Benefitorlevelofcontribution rate underthe obligation tocorrectanyerrorsoromissionsthatcome toyourattentionbycalling the CenturyLink Service Centertocorrectthe errororomission immediately. There are deadlines to file claims and benefit related actions; please refer to the section titled Time Deadline to File a Claim and the Time Deadline to File a Benefit-Related Lawsuitin this SPDs and in theGeneral SPD for more information about the timing of these Required Forum for Legal DisputesAfter the claims and appeals procedures are exhausted as explained above, and a final decision has been made by the Plan Administrator, if a ParticipantEmployee wishes to pursue other legal proceedings, the action must be brought in the United States District Court in Denver, definedthroughoutthisdocument,in the GeneralInformation SPD, the Medical Plan SPDandin thePlan Document.

10 Alluses of we, us, and our inthisdocument,arereferencestotheClaimsA dministrator or,thePlan Administrator whichis theCenturyLinkEmployee you and your arereferencestoparticipantswho areeligibleandcovered is provided toexplainhowthePlan describesyour BenefitsandNote:You areresponsible forobtaining your Medicare PartA andPartB Medicarebenefitseffectiveupon your Medicareeligibilitydate(or upon retirementif alreadyMedicareeligible).Your CenturyLinkbenefitsend regardlessofwhether or notyou haveobtained you donothaveyour Medicarebenefitsin placetimely,youcould have a gapin healthcarecoverageandincur lifetime RetireeHRASPD rightsas wellas your obligationsunder the is importantforyoutounderstandthatbecause thisSPDis onlyasummary, it cannot cover allof thedetailsof thePlanorhowtheruleswillapplytoeverypers onin arecontained intheofficialPlan officialPlanDocumentandother documentsrelating to thePlan duringregular businesshoursorbyappointmentat a mutuallyconvenienttimein theofficeofthePlan additionalinformation,refer to Your RightsasA PlanParticipant attachmentsandupdates(SMM,SARs,AnnualEnr ollmentmaterials,etc.)