2022 Pre-65 FedEx Retiree Health Plan

1 Annual benefits Enrollment is November 2 16, 20212022 Pre-65 FedEx Retiree Health Plan Enrollment GuideAnnual benefits Enrollment is Nov. 1 15, 2021 This guide contains benefits information specific to eligible retirees of FedEx Ground Package System, guide is intended to be a summary of the FedEx Retiree medical, dental and vision benefits effective Jan. 1, 2022, offered to eligible Pre-65 retirees of FedEx Ground Package System, Inc. and their eligible Pre-65 spouse and eligible children. While it is intended to be as accurate as possible, the information is subject, in all respects, to the detailed provisions of the legal documents and policies. The details of the FedEx Ground Package System, Inc. Retiree Medical, Dental and Vision Care Plan ( FedEx Retiree Health Plan) can be found in the official Plan document.

2 If there are any discrepancies between the information in this book and the official Plan document, provisions of the Plan document will govern. This booklet serves as a summary of material modifications to the FedEx Retiree Health Plan, but is not the Summary Plan Description. It must be understood that information contained in this booklet cannot alter, modify, or otherwise change conflicting information in the controlling legal documents in any way. FedEx Ground reserves the right to amend or terminate any of the benefits described in this booklet at any time and for any a participant in the FedEx Retiree Health Plan, it is your sole responsibility to manage the benefits for you and any eligible Pre-65 Retiree benefits ..2 What s New or Different This Year? ..3 Enrollment Defaults ..5 FedEx Retiree Health Coverage for Your Dependents.

3 6 FedEx Retiree Medical Plan ..9 FedEx Retiree Dental Plan ..38 FedEx Retiree Vision Plan ..41 Resources & Contact Information ..44 Your Monthly Cost ..45 Legal Notices ..46 Definitions ..55 Table of ContentsAnnual benefits Enrollment is Nov. 1 15, Pre-65 Retiree BenefitsThe medical, dental and vision options listed in this booklet are available to you, your eligible Spouse, and/or your eligible dependents who are under age FedEx 2022 Pre-65 Retiree Health Plan Enrollment Guide provides easy-to-understand information about your 2022 Retiree medical, dental and vision coverage choices. Here you can find information about your eligibility for benefits , when and how you can enroll, and when you can make changes to your additional information and answers to your questions, contact the FedEx Retirement Service Center at , Monday through Friday from 7 6 , Central Eligible Retirees If you are a newly eligible Retiree , you must elect Retiree medical, dental and vision coverage within 31 days of your retirement date.

4 If you do not elect coverage by this deadline, you will not be able to elect coverage at a later s New or Different This Year?Here is an overview of the changes for 2022: 70 Broad is back! (Cigna only) Cigna s 70 Broad Plan option is available in all Cigna coverage areas for 2022. To enroll in the 70 Broad Plan Option, you must actively select it during Annual Enrollment or, if you retired recently, by the deadline in your Retiree Health enrollment packet. See page 9 for more that your doctors, dentists, hospitals and labs are included in the plan option you choose, because you will not be able to change plan options after the plan year begins. New lifestyle programs available . (Cigna only) Cigna members will have access to three virtual lifestyle programs: Omada, RecoveryOne and Foodsmart. Learn more on page BasicsTo enroll in the FedEx Retiree Health Plan, go to and enter your password to log in or call the FedEx Retirement Service Center at from Nov.

5 1, 2021, through Nov. 15, 2021. Coverage in the FedEx Retiree Health Plan will take effect on Jan. 1, 2022. If you elect coverage, premiums may be deducted from your monthly pension benefit, or, you can be billed directly and you ll be responsible for making a monthly premium payment. You may also set up a direct debit to have your premium paid automatically from your bank account. Failure to make your monthly premium payment will result in termination of coverage for you and, if applicable, your You Need to DoThis guide contains information about the FedEx Retiree Health Plan s medical, dental and vision options available to eligible Pre-65 retirees, eligible Pre-65 Spouses, and eligible children. Your coverage options are designed to provide you with a range of cost and benefit coverage choices and are based on where you Both You and Your Spouse Are Under Age 65 The medical, dental and vision options listed in this booklet are available to you and your eligible Your Spouse is Under Age 65 and Becomes Medicare Disabled Once your spouse attains Medicare disabled status, the FedEx Retiree Medical Plan becomes secondary coverage and will pay only what Medicare would Either You or Your Spouse Is Age 65 or Older (or You Become Medicare Eligible Due to Disability) FedEx Retiree Health participants age 65 and older (and retirees of any age who are Medicare eligible due to disability) are not eligible to participate in the Pre-65 medical, dental and vision plan options summarized in this guide.

6 For more information, see Who Is Not Eligible & How Does Medicare Eligibility Affect Retiree Health benefits ? Retiree and Spouse at Age 65 and Older on page additional information and answers to your questions, contact the FedEx Retirement Service Center at , Monday through Friday from 7 6 , Central DefaultsWhat Happens If You Don t Enroll During Annual benefits Enrollment:BenefitWhat HappensAction to TakeMedicalYou ll have the same coverage election as you had in 2021. However, remember that participating providers and facilities can change from year to year, even if your plan does not change. Enroll online at (password required) by selecting Annual Enrollment for the FedEx Retiree Health Plan or call the FedEx Retirement Service Center at from through Nov. 15, you have questions about enrollment? Talk to a benefits expert by phone.

7 You can schedule an appointment today by going to , selecting Need Help with Annual Enrollment?, and choosing a convenient date and time by Nov. 14 for a benefits expert to call & VisionSame coverage election as you had in 2021 See pages 38 43 for more about Dental and Vision (and make changes, too) by Nov. 15, 2021, at midnight, Central time, to ensure you ll have the benefits you need starting Jan. 1, your Confirmation Notice upon receipt!After Annual Enrollment closes, a Confirmation Notice of your elections will be mailed to your home address. When you receive it, review it carefully to confirm that your Retiree Health elections have been processed correctly as corrections are not allowed after the date indicated on your Confirmation Notice. 67 FedEx Retiree Health Coverage for Your Dependents Who Is Eligible?

8 Dependents eligible to be covered under the FedEx Retiree Health Plan include your: Legally married Spouse Eligible child a child who is your: Natural child Stepchild Legally adopted child, including a child placed in your home for the purpose of adoption* Child for whom you have legal guardianship* Child for whom you are required to provide coverage under a Qualified Medical Child Support Order (QMCSO), as long as the child meets the definition of an eligible dependent* Child of any age who meets the guidelines for mental or physical incapacitation before age 26 for medical, dental and vision coverage Child who is younger than age 26 for medical, dental and vision coverageNOTE: A Spouse on active duty in the armed forces of any country is not eligible to be covered under your FedEx medical, dental and vision your child meets the eligibility requirements, you can cover him/her up to midnight on the last day of the month of the 26th birthday for medical, dental and vision, without regard to: Student status (The child does not have to be a full-time student.)

9 Marital status (The child can be married; you cannot cover your child s dependents spouse or children on your plan.) Tax dependency (You do not have to claim the child for tax purposes.) Employment status Residency (The child does not have to reside with you, or in the case of a stepchild, your spouse.) Financial dependency (The child does not have to be financially dependent on you, your spouse.) Other employer-sponsored coverage (You can cover the child even if he/she is eligible for other coverage.)IMPORTANT: You must notify the FedEx Retirement Service Center within 31 days following an event that results in your dependent(s) no longer being eligible for FedEx Retiree Health Coverage (for example, divorce or death of a covered dependent). The dependent s coverage will end effective the date of the event.

10 *L egal documents must be of Eligibility RequiredYou will be required to provide proof of eligibility, such as a birth certificate or marriage license, for any you are currently covering an individual who does not meet the definition of an eligible dependent, you should contact the FedEx Retirement Service misrepresentation of dependent information will be considered a deliberate falsification of company records and constitutes grounds for rejection of the dependent. You may be required to repay to the Plan any amount paid by the Plan for the ineligible dependent. You may be required to validate your dependents eligibility dependents are NOT ELIGIBLE if they: Are not an eligible dependent on the day you commence Retiree Health Coverage, or Become covered as a dependent of an active participant in any FedEx Health plan, or Become employed by any FedEx company, whether they participate in that company s active plan or Is Not Eligible & How Does Medicare Eligibility Affect Retiree Health benefits ?