BENEFITS - trimas.s3.amazonaws.com

1 DISCOVER THE BENEFITS OF BELONGINGRESOURCE guide LEARN | CONSIDER | ENROLLFOR NON-UNION EMPLOYEESBENEFITS DISCOVER THE BENEFITS OF BELONGINGA bout This guide TriMas is committed to helping you pick the BENEFITS that are right for you and making sure you know how to use them. This guide helps you explore your BENEFITS and get the information you need easily. The information is organized by these three key pillars of your BENEFITS : You ll notice symbols throughout this guide that call attention to various important items:Important information or factors to consider ensuring you choose your BENEFITS on how to manage your out-of-pocket WISELYW here you can go for additional MOREI mportant steps you may need to ACTIONCHOOSE WISELYDISCOVER THE BENEFITS OF BELONGINGWhat s InsideWelcome!

2 2-92018 What s New At-A-Glance ..3 Get Started: your Checklist for a Successful Enrollment ..4-5 What Happens If You Don t Enroll ..6 Benefit Basics ..7-9 your Health ..10-28 Medical and Prescription Drugs ..10-17 Health Savings Account ..24-25 Flexible Spending Accounts ..26-28 your Wealth ..29-34 Life and AD&D Insurance ..29-30 Disability ..31-32 Retirement Program ..33-34 your Wellbeing ..35-38 Wellness/Biometric Screening ..35 Health Questionnaire ..36 Tobacco Use ..37 Employee Assistance Program.

3 38 Other BENEFITS and Programs ..39 Accidental Injury Insurance ..39 Legal and Identity Theft Insurance ..39 Contact Information ..40-41 Important Legislation ..42-432018 BENEFITS Resource guide 1 2 your TRIMAS BENEFITSW elcome! your TriMas BENEFITS Providing a Solid FoundationTriMas provides a solid foundation of benefit programs automatically at no cost to you: Basic Life and AD&D Insurance Disability Insurance Employee Assistance ProgramLEARN MOREM edical (includes prescription drug coverage and wellness programs) DentalVisionFlexible Spending Accounts Optional Life Insurance Retirement401(k)Optional Long-Term Disability InsuranceOffering Options In addition, each year you can choose from numerous BENEFITS when you enroll Health Savings Account (HSA) Access your BENEFITS on the Go!

4 Stay connected to your BENEFITS anytime, anywhere with mobile benefit apps found on our employee intranet: TriConnect You also have access to other voluntary BENEFITS including accidental injury, legal assistance and identity theft BENEFITS Resource guide 32018 AT-A-GLANCE Benefit Changes And Updates2 0 1 8 AT-A- G L A NC E Benefit Changes and Updates What It Means to You Medical plans are now managed and administered through BCBSM. A new provider network with more hospitals, doctors and healthcare providers.

5 Provides the SAME medical plan features as current plans same deductibles, coverage levels, coinsurance and copays. Offers greater savings when using network providers. Be sure to visit to review network providers and other new BCBSM features. New medical ID card (separate from prescription drug ID card). Prescription BENEFITS managed separately from medical plan now through ESI; however, prescription drug BENEFITS will continue to be a part of your medical plan election (you do not make a separate election).

6 Provides essentially the SAME prescription drug BENEFITS . 90-day prescriptions from a retail pharmacy must be filled through CVS. BENEFITS will not cover 90-day prescriptions filled at other pharmacies. Mail-order service still available through Express Scripts Home Pharmacy. You will receive a separate prescription drug ID card. Provides specialty pharmacy services related to complex and chronic health conditions. Specialty-trained pharmacists, nurses and support staff work with your doctors and insurance to coordinate your medications.

7 Specializes in rare diseases. Provides 24/7 access to quality care for BCBSM members. Telephone or video streaming on your computer gives you fast, convenient access to affordable board-certified doctors. Offers an alternative to a doctor s office visit for flu, sore throat, eye or ear infection, skin rash, and other minor non-life-threatening conditions. Allows the doctor to write a prescription for you. Helps you get the care you need when you need it s NEW for 2018 Blue Cross Blue Shield of michigan (BCBSM) Medical Plan Administrator(changing from Cigna)Express Scripts (ESI) Prescription Drug Administrator (changing from Cigna)Accredo Specialty Drug Provider(changing from TheraCare)Blue Cross Online Visitssm(changing from MDLive) 4 GET STARTEDA nnual Enrollment November 1 15, 2017 Complete the following by January 31, 2018.

8 Biometric Screening Health Questionnaire TAKE ACTION Read and share all materials with your family. Attend local meetings. Ask questions if you need Started: your Checklist for a Successful EnrollmentFollow these three steps to ensure you have the coverage you need: Think about your healthcare and other benefit needs for the upcoming year. Consider who you need to cover. Explore all your options, including coverage through your spouse s employer (if applicable).CONSIDER your Personal SituationENROLL for your BenefitsLEARN About your Benefit Options Check your personalized enrollment worksheet.

9 Have your worksheet with you when you enroll and be sure to have Social Security numbers handy for any dependents you plan to add. Complete the following three Annual Enrollment Action Items or a surcharge will apply: Biometric Screening, AND Health Questionnaire, AND Tobacco Use Statement. Enroll through the TriMas BENEFITS Service Center (TBSC) at or call (877) 534-TBCS (8272). Be sure to review and print your confirmation statement for your records. A hard copy will also be mailed to your home.

10 T obacco Use Statement 2018 BENEFITS Resource guide 5 GET STARTED Read and share all materials with your family. Attend local meetings. Ask questions if you need through TriMas BENEFITS Service Center (TBSC) Enrolling for your BENEFITS is quick and easy through TBSC either online or over the phone. In addition, TBSC lets you manage other important benefit-related transactions:Make your benefit electionsUpdate your elections when you have a qualified life event during the yearManage beneficiaries for your Life Insurance benefitsGet important documents and formsThere are two ways to enroll and/or access the TBSC: Online: (24 hours per day, seven days per week) Phone: (877) 534-TBSC (8272) (Monday Friday, 8 to 8 , and Saturday, 8 to 5 p.)