2017 Open Enrollment Guide
Welcome to the 2017 Bioventus Open Enrollment
Our Open Enrollment period begins November 2 2016 and ends on November 15 2016 at 1159 pm Pacific time
Open Enrollment provides you with an annual opportunity to make changes to your benefit elections If you would like to enroll in benefits for the first time make changes to your existing elections enroll or re-enroll in the Flexible Spending Account or add or drop eligible family members from coverage now is the time to do so Any changes you make during Open Enrollment will go into effect on January 1 2017
We strongly recommend that all colleagues review this Open Enrollment Guide carefully and actively consider your options If you do not take action your current benefit elections (except for any Flexible Spending Account election) will continue for 2017
Use WorkDay to make your election changes online Log into WorkDay and open the Open Enrollment task in your inbox
1
We are excited to announce
bull An innovative enhancement toour Medical Health InsurancePlans to make care moreconvenient and affordablecalled Teladoc
bull More HSA account contributiondollars from Bioventus for HDHPHSA participants No change tothe current employee contributionrates for 2017 for the Bronze andHDHPHSA Medical HealthInsurance plans
bull Four new voluntary benefitprograms including anopportunity to get supplementalmedical protection at no cost forthose enrolled in the HDHPHSAhealth plan (up to certain levelsof coverage)
bull A new Roth 401(k) program
The following is a summary of changes for 2017
Whatrsquos Changing in 2017
New Teladoc benefits
The new Teladoc benefit provides convenient and affordable care from your mobile device or computer This enhancement effective January 1 2017 is included in all three Bioventus Medical Health Insurance Plans See below for more information
More HSA dollars from Bioventus
The Companyrsquos contribution to your Health Savings Account (HSA) will increase to $750 for those enrolled in the High-Deductible Health Plan (HDHPHSA) plan as an individual and $1500 for those enrolled as a family See page 4 for more information
Four new voluntary benefit options
In an effort to offer the most meaningful benefits to meet the needs of our diverse workforce we are introducing new voluntary benefits
bull Allstate Benefits Group Accident Insurance (two coverage levels available)bull Allstate Benefits Group Critical Illness Insurance (two coverage levels available)
bull InfoArmor Identity Financial and Privacy Protection Programbull ARAG Legal Insurance (two coverage levels available)
If you enroll in the Bioventus HDHPHSA plan during this Open Enrollment period Bioventus will cover the full cost of either the Accident ($5k) or Critical Illness (Basic) coverage for 2017 See pages pages 8-10 for more information
A new Roth 401(k) Effective January 1 2017 your plan now gives you the option of contributing to a Roth 401(k) now with after-tax dollars and then withdrawing tax-free dollars from your account when you retire See pages 25-27 for more information
HealthDental prem payroll deductions
Bi-weekly payroll deductions for the Choice Plus Purple Medical Health Insurance Plan and the Dental Health Insurance Plan will increase See page 3 for more detail
Whatrsquos Changing for 2017
2
Teladoc
Teladoc is an easy convenient and affordable option for quality medical care Their licensed doctors can treat cold and flu symptoms respiratory infections sinus problems ear infections and more
Here is how it worksTo get started register online on the Teladoc mobile app or by phone (see below) During registration yoursquoll complete your medical history so when you need Teladoc itrsquoll be fast and easy With your consent Teladoc is happy to provide information about your Teladoc consult to your primary care physician
Once registered you can speak with a licensed doctor within minutes Anytime or anywhere Simply1Go online to Teladoccom or FacebookcomTeladoc2Call 1-855-Teladoc (835-2362) or3Use your mobile phone at Teladoccommobile
The Purple and Bronze Plans will cover Teladoc Medical Health Insurance consultations at 100 ndash participants pay nothing For those enrolled in the HDHPHSA the IRS guidelines require that the plan apply the deductible to these services But since each consultation costs only $40 you will still save
Voluntary Benefits
Announcing four new benefit programs for 2017The first two programs - Allstate Benefits Group Critical Illness Insurance and Allstate Benefits Group Accident Insurance - are considered ldquosupplemental medical protectionrdquo plans and are designed to help fill gaps in your health plan by paying for expenses you would normally pay out-of-pocket While these programs are available to all employees regardless of your medical plan enrollment there is a special advantage to those who enroll in the HDHPHSA plan Bioventus will pay the full cost for one of these supplemental medical protection plans if you enroll in the HDHPHSA during this Open Enrollment period
You may also enroll in the new InfoArmor Identity Financial and Privacy Protection Program as well as Group Legal Insurance All of these voluntary benefits are available to you at a low cost that you can pay through the convenience of payroll deductions
Take a closer look at whatrsquos available to you during Open Enrollment on pages 8-10
Planning for 2017
2017 Premium ContributionsThere are some changes to the current Purple Medical Health Insurance and Dental Health Insurance Plan premiums for 2017 However our plans continue to be priced competitively and offer great value to you and your family
The table below shows a summary of the Medical Healthcare Insurance Plan premiums for 2017
Bi-weekly Payroll Deductions
Choice Plus Purple
Choice Plus Bronze HDHPHSA
Employee only $7185 $4321 $2427
Employee + one dependent
$16766 $11523 $9708
Family $23053 $15845 $13348
There will be no changes to the benefit level for the following programs
bull Medical HealthInsurance Plan
bull Dental Health Insurance Plan
bull Basic Life andAccidental Death ampDismemberment (ADampD)
bull Supplemental Life ampDependent Life
bull Personal AccidentInsurance (PAI)
bull Short-Term andLong-Term Disability ampFamily and MedicalLeave Act (FMLA)Administration
bull 401(k) and 401(k)+ Plans
bull Tuition AssistanceProgram (TAP)
bull Business TravelAccident (BTA)
bull Life AssistanceProgram (LAP)
bull Adoption Assistance
bull Time Away From Work
bull Fitness ClubReimbursement
The Dental Health Insurance costs for 2017 will change and are noted below However Vision Plan costs remain unchanged
2017 Bi-weekly Payroll Deduction
Dental Vision
Employee only $565 $187
Employee + one dependent $1098 $503
Family $2107 $946
DoNrsquoT FoRgeT ABouT THe FSA
If you wish to participate in the 2017 Flexible Spending Account plan you must actively make an election
WageWorks will continue handling the administration of the FSA plans and medical pharmacy dental and vision claims can be paid automatically from your FSA account Remember both the Health FSA and the Healthcare Limited FSA are capped at $2600 and have a minimum annual contribution of $100
Please remember HDHPHSA participants will not be eligible for the Health FSA to enable participation in the Health Savings Account (HSA) per IRS rules However HDHPHSA participants may participate in a Special Healthcare Limited FSA plan which allows for pre-tax savings toward dental and vision expenses only
You can calculate your savings potential on a Flexible Spending Account (FSA) at wwwwageworkscomemployeecalculatorshtm This tool will help you determine the appropriate amount to contribute to a particular account should you decide to open one and how much yoursquoll save as a result
Health Care Reform Update Early in 2017 Bioventus will send you a new 1095-C tax form which is required as part of complying with the Affordable Care Act (ACA) If you were offered health care this form includes information about the type of health coverage you and your family were offered This form includes the information that you will need to complete your Federal income tax return A copy of the form is also provided to the IRS
As a result of the ACA people without access to affordable coverage through their employer may qualify for tax subsidies to help pay premiums for coverage bought through the new public marketplaces Eligibility for the subsidy depends on your household income and the coverage offered by Bioventus Not everyone will qualify for a subsidy
We are required by federal law to provide valid Social Security Numbers for employees and any covered dependents please review your data in WorkDay to verify all SSNrsquos are correct
3
What Is This High-Deductible Health Plan (HDHPHSA) and How Does It Work
It is a standard base medical plan that offers coverage both in-network and out-of-network In order to be coupled with an HSA feature it must be a qualified high-deductible health plan which means it must be in compliance with all the rules established by the IRS regarding minimum deductibles maximum out-of-pocket (OOP) limits HSA contribution limits eligibility requirements etc It has the following features
bull In 2017 participants will be given a one-timeHSA account contribution from Bioventus ($750 perindividual and $1500 per family) Participants alsohave the option to set aside pre-tax savings to usetoward the deductibles or coinsurance throughout theyear ndash or save for the future
bull Participants are responsible for first dollar paymentfor claims up to the deductible ($1300 per individualand $2600 per family in-network and $2600 perindividual and $6500 per family out-of-network)
bull After the deductible is met participants areresponsible for their coinsurance (20 in-networkor 40 out-of-network) until the out-of-pocketmaximum ($3000 per individual and $6000 perfamily in-network and $6000 per individual and$12000 per family out-of-network) is reachedeach year
bull Routine physicals and preventive care will becovered at 100 in-network The deductible is waivedfor preventative medications
What Is an HSA
A Health Savings Account (HSA) is a special tax-free account created exclusively for the benefit of participants enrolled in a High-Deductible Health Plan to use toward qualified medical expenses
It is much like a Flexible Spending Account (FSA) except there are no ldquouse it or lose itrdquo rules Unspent funds remain the property of the employee You own the HSA funds as soon as it is deposited into your account HSAs are portable and money left alone in the account will accumulate on a tax free basis
Any adult can contribute to an HSA if heshe
bull Is covered under a qualified high-deductible healthplan only (Bioventusrsquo HDHPHSA)
bull Is not enrolled in Medicare
bull Is not enrolled in a Health FSA
bull Cannot be claimed as a dependent on someoneelsersquos tax return
The IRS limits how much you can contribute to your HSA account each year
2017 Annual HSA Contribution Limits
Employee $3400
Employee + 1 $6750
Family $6750
Allowable catch-up contribution for age 55+ $1000
The maximum contribution amounts include any company funding
4
Before you select the HDHPHSA there is more you should know
bull The HSA account will be opened and maintained byPayFlex a partner of Aetna
bull Once you accumulate $1000 in the HSA you can invest in mutual funds offered by PayFlex Account earnings aretax-free
bull Withdrawals from your HSA can be used for qualifiedmedical expenses (including certain dental and visionexpenses) Long Term Care coverage or COBRApremiums tax-free
bull If you are enrolled in a Health Care FSA and have anFSA account balance on 1117 you can establish anew HSA account but you are not able to fund theHSA account until the first of the month after theFSA run out period ends If this applies to you youmust avoid funding the HSA until after April 1 2017
bull If enrolled in the HDHPHSA for 2017 you are eligible to enroll in a Limited Health care Flexible Spending Accountfor dental and vision care expenses only
bull You cannot contribute to the HSA account for adependent child who is not claimed as a tax dependent
bull Any amounts used for purposes other than qualifiedmedical expenses are taxable as income and aresubject to an additional 20 tax penalty
There are a few ways to take HSA distributions and pay for qualified medical expenses
1 Use your HSA PayFlexreg debit card
2 Use your HSA debit card as an ATM card to payyourself back for out of pocket expenses
3 Make an online payment via wwwaetnanavigatorcom
4 Make payment by check from your HSAchecking account
It is always best to have your doctorrsquos office submit the claim through insurance so that you receive credit toward your annual deductible get the Aetna discounted rate and know exactly what to pay
More information on Health Savings Accounts (HSAs) is available at wwwpayflexcom
ATM and checking fees apply
MoRe ABouT HSAs
Why Do employers offer a High-Deductible Plan with an HSA
Almost 60 of employers in our industry now offer high-deductible health plans with an optional Health Savings Account in order to reduce employers plan costs and to provide employees with an additional retirement savings tool HSAs allow employees to
bull Access a lower cost plan option
bull Access the triple tax advantages of HSA savings
1 Contributions are made on a pre-tax basis
2 Account earnings are tax-free
3 Withdrawals for qualified medical expenses are tax-free
bull Control their personal health costs
bull Save for short term medical expenses
bull Saveinvest for long term medical and retirement
What Is This High-Deductible Health Plan (HDHPHSA) and How Does It Work (continued)
5
All employees are strongly encouraged to use tools available at wwwaetnacom to compare and model the options
If yoursquore a new employee you will need to register using your Social Security number employees who already participate in one or more of the plans can use their subscriber ID number Aetna provides an online tool that can help you compare the different types of plans available (It is not specific to Bioventusrsquo plans but will give you an idea)
When comparing your options remember to consider
bull Premium costs Compare what you will pay forcoverage and whether the cost will be taxableWill you qualify for Medicaid or for tax credits orsubsidies
bull Plan design Consider what you will likely pay outof pocket based on your own usage and the plandeductible coinsurance annual out-of-pocketmaximum copayments etc Also consider covereddrugs or excluded medical services
bull Provider network Review the provider networkWhat will it cost you to use a non-network provider
bull Your life Are you expecting any changes in your familyand who you will cover Are you considering marriagedivorce birth or adoption of a child or will yourdependent lose coverage due to the age limitation
bull Your health needs Do you expect upcomingmedical expenses or changes in your medicalcondition Are you or a family member diagnosedwith a chronic medical condition that requires on-goingregular visits or increased use of medicationsAre there any planned hospitalization pregnancysurgery etc
Take a look at the examples on the next page to see if there are any you can relate to
How Do I Choose the Best Plan for Me
MeDICAL INSuRANCe TeRMS AND DeFINITIoNS
Deductible ndash The amount plan participants must pay prior to the receipt of any benefits with the exception of those benefits payable as preventative and not subject to deductible
Co-pay ndash The amount a plan participant must pay at time of service after satisfying the deductible if applicable
Coinsurance ndash The percent of service charge the participant is subject to pay after satisfying the deductible
out-of-pocket maximum ndash The maximum dollar amount a participant will be subject to pay in any one plan year after which the plan pays 100
6
How Do I Choose the Best Plan for Me (continued)
example 1 ndash Healthy Hope is in good health and exercises 3-4 times per week She thinks she will use the new Teladoc services twice But she does not anticipate any major medical expenses in 2017
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $388 $0 $0 $80
Annual cost of single coverage (premium) $1868 $1124 $631
Annual Bioventus HSA contribution ($750 individual$1500 family) $0 $0 $750
Total cost to Hope (services + premiums) $1868 $1124 $631
HSA balance at year end to roll over to 2018 $0 $0 $670
example 2 ndash Not-so-careful Nick has a wife and two children They are generally in good health but they expect to have have a few unexpected trips to the ER and some minor illnesses in 2017
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $6505 $1634 $2148 $3324
Annual cost of family coverage (premiums) $5994 $4120 $3470
Annual Bioventus HSA contribution($750 individual$1500 family) $0 $0 $1500
Total cost to Nick (services + premiums) $7628 $6268 $5294HSA balance remaining at year end to roll over to 2018 $0 $0 $0
example 3 ndash Back Surgery Brenda has three grown children not on the plan but she does cover her husband She just scheduled a back surgery for early 2017 and is looking forward to being pain free and getting back to golf
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $25463 $3000 $4500 $6000
Annual cost of family coverage (premiums) $4359 $2996 $2524
Annual Bioventus HSA contribution($750 individual$1500 family) $0 $0 $1500
Total cost to Brenda(services + premiums) $7359 $7496 $7024
HSA balance remaining at year end to roll over to 2018 $0 $0 $0
7
Note Any benefits paid under the new voluntary insurance programs will reflect a further reduction in employee out-of-pocket expenses in each of the following examples
Announcing four new benefit programs for 2017 In an effort to offer the most meaningful benefits to meet the needs of our diverse workforce we are introducing new voluntary benefits These benefits offer added financial protection for a variety of lifersquos unexpected expenses As a Bioventus employee you have a unique opportunity to access these programs for free If you enroll in the Bioventus HDHPHSA during this Open Enrollment period Bioventus will cover the cost of one of the supplemental medical plans for 2017 You will have the choice of either the Allstate Benefits Group Critical Illness Insurance ($5000 Coverage Plan) or the Allstate Benefits Group Accident Insurance (Basic Insurance Plan) at no cost to you The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
Voluntary Benefits
8
Please review these valuable new options The first two are supplemental medical insurance products designed to provide additional protection or fill in the gaps in your health plan by paying for expenses you would normally pay out-of-pocket
If you do not enroll in the Bioventus HDHPHSA you can still access the new plans These voluntary benefits are available to any employee and any costs may be paid through the convenience of payroll deductions
AllstateBenefits(AB)isthemarketingnameusedbyAmericanHeritageLifeInsuranceCompany(HomeOfficeJacksonvilleFL) a subsidiary of The Allstate Corporation
group Critical Illness Insurance Benefits from Allstate
Allstate Benefits Group Voluntary Critical Illness Insurance a supplemental medical insurance product designed to pay a lump-sum benefit directly to the insured upon diagnosis of a covered critical illness like cancer stroke heart attack and organ transplant Benefits can be used to
bull Fill gaps in major medical insurance
bull Protect your assets
bull Provide funds to provide for caregivers special medicalequipment mortgage and other loans extra childcare costs daily living expenses or transportation
bull Pay for out-of-network medical andexperimental treatment
bull Replace your income during recuperation
Our plan covers up to $5000 per eligible illness if you enroll in the Bioventus HDHPHSA We pay the premium for you HDHPHSA participants may select the $10000 coverage option and pay the additional premium costs If you enroll your spouse or dependents they will be covered at up to 50 of your maximum benefit amount
Again if you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of the $5000 level of coverage for the Allstate Benefits Group Critical Illness Insurance or the Allstate Benefits Group Basic Voluntary Accident Insurance for you
See pages 17-18 for more information
Bi-Weekly Group Critical Illness Employee Deductions
$5k benefit amountAge EE ee+S EE+C Family18-24 $023 $035 $023 $035
25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113
$10k benefit amountAge EE ee+S EE+C Family18-24 $046 $069 $046 $069 25-29 $056 $083 $056 $083 30-34 $098 $148 $098 $148 35-39 $157 $235 $157 $235 40-44 $261 $392 $261 $392 45-49 $409 $614 $409 $614 50-54 $631 $946 $631 $946 55-59 $942 $1412 $942 $1412 60-64 $1422 $2132 $1422 $2132 65-69 $2113 $3171 $2113 $3171 70-74 $2744 $4117 $2744 $4117 75-79 $3277 $4915 $3277 $4915 80+ $4152 $6226 $4152 $6226
Allstate Benefits group Voluntary Accident Insurance
Accident insurance is another form of supplemental medical insurance It pays a lump-sum benefit directly to the insured for an accidental injury You have two benefit options Basic and Premier to choose from Benefits are paid when an accident causes fractures dislocations loss of limbs burns hospital and ambulance expenses accident-related disabilities or death Accident insurance will help you pay for
bull Hospitalemergency room care
bull Injuries requiring surgery
bull Ambulance fees
bull Physical therapy
bull Recovery income
bull Family lodging
Please see the example in the chart on the right
If you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of of the Basic Allstate Benefit Group Accident Insurance or the $5000 level of the Allstate Benefits Group Critical Illness Insurance coverage
Voluntary Benefits (contrsquod)
Purple Plan Bronze Plan HDHPHSA Plan
Full cost of medical services $13270 $13270 $13270
Deductible you pay $350 $800 $1300
Copays you pay $340 $460 $0
Coinsurance you pay $1310 $1240 $1700
Accident benefits paid to you $0 $0 $6305
Account funding paid to you $0 $0 ($750)
Employee contributions you pay $1868 $1124 $631
Your total cost(savings) $3868 $3624 $3424
See page 19-20 for more information
Full Cost of Medical Services
Accident Insurance Reimbursement
Basic Plan Premier Plan
Ambulance (ground) $400 $100 $200
Non-ICU hospital admission (3 days confinement)
$3500 $1600 $3200
Fracture (tibia) $6000 $4000 $8000
Emergency room $1000 $100 $200
X-rays $170 $100 $200
Follow-up visits (2) $200 $100 $200
Physical therapy visits (4)
$400 $120 $240
MRICat Scan $1500 $50 $100
Appliance (crutches) $50 $125 $250
Medical supplies or medicine
$50 $10 $20
ToTAL $13270 $6305 $12610
How This Impacts Out-of-Pocket Costs
9
Bi-Weekly Accident Insurance Employee Deductions
EE ee + S EE + C Family
Basic $296 $512 $688 $842
Premier $592 $1024 $1376 $1682
Example
InfoArmor Identity Financial and Privacy Protection Program
PrivacyArmor is a proactive fraud detection and prevention including a fully-managed identity restoration for state-of-the art identity protection Features include
bull Identity and credit monitoring
bull Credit report each year and a score each month
bull Password management solution
bull Social media reputation monitoring
bull Digital wallet storage and monitoring
bull Full-Service Identity Restoration
bull $1000000 Identity Theft Insurance Policy
Bi-Weekly Cost
InfoArmor Identity Theft Protection
$459 per person$828 per family
See pages 21-22 for more information
ARAG Legal Insurance
MetLaw provides two options of legal services and representation from a qualified attorney at an affordable price Features include
bull Quick easy access to a nationwide network of11000 pre-qualified Plan Attorneys with an averageof 25 years of experience
bull You can choose a non-Plan Attorney and may bereimbursed through the ARAG plan
bull Low monthly cost for unlimited use of the plan
bull Premium is deducted from your paycheck noclaim forms
bull Spouse and children also have access to theplan benefits
Bi-Weekly Cost
ARAg Legal Insurance UltimateAdvisorreg Plus UltimateAdvisorreg
Family $1108 Family $715
See pages 23-24 for further services at each level
Voluntary Benefits (contrsquod)
10
The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
How Do I Enroll
11
Steps
1 Log into WorkDay
a Open the ldquoOpen Enrollmentrdquo task in your inbox
2 Review your current medical dental and vision elections You can find additional information about each plan by clicking on ldquoProvider Websiterdquo Make any changes to your current elections in the ldquoElectWaiverdquo column
3 To add dependentsa Choose the correct tier from the ldquoCoveragerdquo columnb In the ldquoEnroll Dependentsrdquo column click on ldquoCreaterdquo if you need
to add a dependent that is not already in the system For thosethat are already in the system you can select their name
c Add dependent and beneficiary information Complete all fieldsnoted with an asterisk
d The federal government (IRS) requires Bioventus collectand report valid Social Security Numbers for all dependentscovered under our plan Please be sure to include yourdependentsrsquo Social Security Numbers when you enroll
4 Please also take a moment to review and update your contact information emergency contact and add a photo of yourself These can be found under the ldquoAll About Merdquo tab then click on Personal Informationa When adding your phone number you must include the area
code which is in a separate field above the phone number fieldAlso a hyphen is required in the phone number after thethird digit
b Phone number and mailing address are mandatory for allemergency contacts
c To add a photo click on the down arrow next to your nameat the top of the screen Then click on ldquoPersonal Datardquo thenldquoChange My Photordquo Click ldquoBrowserdquo to locate your photo fileand then click ldquoUploadrdquo
1 Who do I contact at Aetna for questionsYou have access to Aetnarsquos Concierge line at 1-855-845-0572 Aetna representatives can provide you with information about the features and benefits of your coverage Please provide the Aetna representative with the following Bioventus account number 869900 This will help Aetna identify you as an Aetna customer
2 How can I find out if my current medical provider isin the Aetna networkLog onto wwwaetnacom and click on ldquoIndividuals amp Familiesrdquo in the upper left of the webpage Scroll half way down the page in the blue box (1) Click ldquoFind a doctor dentist facility or vision providerrdquo In the section noted ldquoThinking of getting an Aetna planrdquo (2) Click on ldquoFind doctors dentists and hospitals in our plansrdquo For the question ldquoWhat type of plan are you consideringrdquo (3) Click on ldquoA Plan Offered by My Employer or Organization (Includes small group plans purchased on exchange in Maryland Delaware and District of Columbia)rdquo Enter your search parameters You can either search by Provider Name Specialty Procedure or Condition and by Zip Code or City State
Then in the ldquoSelect a Planrdquo section - Under Aetna Open Access Plans select ldquoAetna Choice POS II (Open Access)rdquo then (4) Click rdquoContinuerdquo
3 How do I know what co-paytier applies to myprescription under the Aetna Pharmacy plan We encourage you to check the status of your Rx with Aetnarsquos Preferred Drug list Medication Search Tool which can be accessed at wwwaetnacom On the site under Find your drug information use the 2017 Three Tier Open Plans expand option and select ldquoSearch to see if a drug is coveredrdquo You can also contact Aetna by calling the phone numbers referenced in 1 above for assistance or from your current medical ID card
4 Do you have a Mail Order Pharmacy ProgramYes Aetnarsquos Rx Home Delivery is designed especially for individuals who take maintenance prescription medications In addition members have the option to pick up their maintenance medications that they normally have delivered at CVSpharmacy retail locations most convenient to them through the Maintenance Choice program To pick up at CVSpharmacy
bull Log in to wwwaetnanavigatorcom Click ldquoFind a DoctorPharmacy or Facilityrdquo to find a CVSpharmacy near you
bull For new orders ndash if you have a new prescription fora 90-day supply please ask the pharmacist to fill itYou can also call the toll-free number on your memberID card and Aetna will handle the rest
bull For refill orders ndash To refill an existing prescription bringyour current medicine to the pharmacist andask for a 90-day refill through the MaintenanceChoice program
5 Do certain prescriptions require prior authorizationYes there are certain medications that may require prior au-thorization from Aetna which are included in Aetnarsquos Nation-al Precertification List Participating providers are required to pursue precertification using the process explained at this link httpwwwaetnacomhealth-care- professionalsprecertificationprecertification-listshtml Please select the ldquo2016 Participating Provider Precertificationrdquo link to see the current list of prescriptions included This list is updated from time to time and the Drugs and Medical Injectables are currently listed under 14 on this most recent list This list is subject to change for 2017
You can also find out if your medication requires an authorization by calling Aetnarsquos concierge line at 1-855-845-0572
Frequently Asked Questions
12
CONTINUED
Frequently Asked Questions (contrsquod)
6 Does Aetna an employee self-service web-siteYes Aetna Navigator is a convenient and secure personalized on-line resource It contains easy-to-use interactive tools to help you manage your medical plan and provides access to a wealth of wellness information You can search for network physicians refill mail order prescriptions rank hospital quality standards compare medications take a health risk assessment and so much more You can register for Aetna Navigator at wwwaetnacom as of January 1st The registration process is easy and quick
bull Go to wwwaetnacom
bull Click on ldquoIndividuals amp Familiesrdquo in the upper left of thewebpage Click Log In Register
bull First-time users click Sign up nowrarr in the blue box
bull Follow the prompts one through five to complete yournavigator registration
bull Be careful when entering your name that you do not usenick names You must use the name that you noted onyour enrollment form as this is recognized in the Aetnaeligibility system
bull If you do not have your member ID you may registerusing your social security number
7 What should I do if I donrsquot have an ID card onJanuary 1stYou can print a temporary ID card from your Aetna Navigator home page once you register From your Aetna Navigator Home Page select ldquoGet an ID Cardrdquo on the left Click the ldquoView Cardrdquo button which will then display a copy of your card and it will provide you the option to View and Print the ID Card or Order a Replacement ID Card
bull Go to wwwaetnacom
bull Click Log on and enter your user ID and password
bull This will bring you to the home page of Your SecureWebsite
bull On the left hand side of the screen under I want toselect get an ID Card
bull Under Choose a Card click on View Card
bull Click ViewPrint ID Card
8 How do I file a Medical claim for reimbursement fornon-network servicesIf you see an out-of-network provider you are responsible for paying in full at the point of service and will need to file a claim to receive reimbursement Submit a completed medical claim form and itemized receipt or bill from the pro-vider to the address on the back of your ID card You can also call the Aetna Concierge number printed on the back of your ID card to assist with filing a claim and you may go to wwwaetnacom to download a claim form
Health Savings Account
9 Who is the administrator of the Health SavingsAccountsIf you elect coverage under the HDHPHSA your HSA account will be administered by PayFlex a selected partner for Aetna In order to be eligible to set up a new HSA account with Payflex you are required to be enrolled in the HDHPHSA
10 Are there charges associated with a HSANo There is no charge to Bioventus participants for HSA accounts that roll over from other HSAs to PayFlex
11 Can I leave my money with another HSAFinancial Institution You can leave your money with other HSA Accounts however if you select the HDHPHSA or HDHP as of January 1 2017 an HSA account with Payflex will automatically be opened for you If you do not select the HDHPHSA for 2017 your existing HSA balance will be converted to an individual account with the other provider
12 Can I invest my HSA money with PayFlexYes once you have an HSA balance of $1000 you can choose investments for those funds
CONTINUED
13
Frequently Asked Questions (contrsquod)
13 Are there fees associated with the HSAThe monthly maintenance fee charged by PayFlex are paid by Aetna as long as you are an active employee and enrolled in the HDHPHSA Additional fees that are charged for overdrafts paper statements investment fees etc are your responsibility and will not paid for by Bioventus
If in the future you leave the company or you are no longer enrolled in a qualified high deductible health plan such as the HDHPHSA offered by Bioventus your HSA will be converted to an individual account at PayFlex and you will become responsible for a monthly account fee of $400 (and any additional fees mentioned above) that will be automatically deducted from your account balance
14 What happens to my Payflex HSA if I do not enrollin the HDHPHSA in 2017 If you do not enroll in Bioventusrsquo HDHPHSA you will need to keep your existing HSA funds with Payflex Since it will become an individual account you will be charged a monthly fee for this Note that you cannot add to your HSA funds unless you are actively enrolled in a qualified HDHPHSA however you can still access your HSA funds to pay for eligible expenses
15 How can I access information about my PayFlexHSA Account Once your HSA account with PayFlex is open you can register through the Aetna Navigator for easy access to your HSA account funds
16 Can I access my HSA activity using the AetnaMobile App No The Aetna Mobile App only provides medical plan information To track your HSA activity you can download the PayFlex Mobile App at wwwpayflexcommobile-app
17 How do I contact the Voluntary Benefit providersfor additional information about what their plans cover and to answer questions that I may have
Benefit Contact
Allstate Benefits group Voluntary Critical Illness and Accident Coverage
wwwallstatebenefitscom 800-348-4489
ARAg Legal Insurance wwwARAGlegalcentercom Access code 18222bio 800-247-4184
InfoArmor Identity Financial and Privacy Protection Program
wwwmyPrivacyArmorcom 800-789-2720
Mercer Help Line 1-800-358-3792
14
For More Information
FoR MoRe INFoRMATIoN
If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom
Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom
TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion
15
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
The following is a summary of changes for 2017
Whatrsquos Changing in 2017
New Teladoc benefits
The new Teladoc benefit provides convenient and affordable care from your mobile device or computer This enhancement effective January 1 2017 is included in all three Bioventus Medical Health Insurance Plans See below for more information
More HSA dollars from Bioventus
The Companyrsquos contribution to your Health Savings Account (HSA) will increase to $750 for those enrolled in the High-Deductible Health Plan (HDHPHSA) plan as an individual and $1500 for those enrolled as a family See page 4 for more information
Four new voluntary benefit options
In an effort to offer the most meaningful benefits to meet the needs of our diverse workforce we are introducing new voluntary benefits
bull Allstate Benefits Group Accident Insurance (two coverage levels available)bull Allstate Benefits Group Critical Illness Insurance (two coverage levels available)
bull InfoArmor Identity Financial and Privacy Protection Programbull ARAG Legal Insurance (two coverage levels available)
If you enroll in the Bioventus HDHPHSA plan during this Open Enrollment period Bioventus will cover the full cost of either the Accident ($5k) or Critical Illness (Basic) coverage for 2017 See pages pages 8-10 for more information
A new Roth 401(k) Effective January 1 2017 your plan now gives you the option of contributing to a Roth 401(k) now with after-tax dollars and then withdrawing tax-free dollars from your account when you retire See pages 25-27 for more information
HealthDental prem payroll deductions
Bi-weekly payroll deductions for the Choice Plus Purple Medical Health Insurance Plan and the Dental Health Insurance Plan will increase See page 3 for more detail
Whatrsquos Changing for 2017
2
Teladoc
Teladoc is an easy convenient and affordable option for quality medical care Their licensed doctors can treat cold and flu symptoms respiratory infections sinus problems ear infections and more
Here is how it worksTo get started register online on the Teladoc mobile app or by phone (see below) During registration yoursquoll complete your medical history so when you need Teladoc itrsquoll be fast and easy With your consent Teladoc is happy to provide information about your Teladoc consult to your primary care physician
Once registered you can speak with a licensed doctor within minutes Anytime or anywhere Simply1Go online to Teladoccom or FacebookcomTeladoc2Call 1-855-Teladoc (835-2362) or3Use your mobile phone at Teladoccommobile
The Purple and Bronze Plans will cover Teladoc Medical Health Insurance consultations at 100 ndash participants pay nothing For those enrolled in the HDHPHSA the IRS guidelines require that the plan apply the deductible to these services But since each consultation costs only $40 you will still save
Voluntary Benefits
Announcing four new benefit programs for 2017The first two programs - Allstate Benefits Group Critical Illness Insurance and Allstate Benefits Group Accident Insurance - are considered ldquosupplemental medical protectionrdquo plans and are designed to help fill gaps in your health plan by paying for expenses you would normally pay out-of-pocket While these programs are available to all employees regardless of your medical plan enrollment there is a special advantage to those who enroll in the HDHPHSA plan Bioventus will pay the full cost for one of these supplemental medical protection plans if you enroll in the HDHPHSA during this Open Enrollment period
You may also enroll in the new InfoArmor Identity Financial and Privacy Protection Program as well as Group Legal Insurance All of these voluntary benefits are available to you at a low cost that you can pay through the convenience of payroll deductions
Take a closer look at whatrsquos available to you during Open Enrollment on pages 8-10
Planning for 2017
2017 Premium ContributionsThere are some changes to the current Purple Medical Health Insurance and Dental Health Insurance Plan premiums for 2017 However our plans continue to be priced competitively and offer great value to you and your family
The table below shows a summary of the Medical Healthcare Insurance Plan premiums for 2017
Bi-weekly Payroll Deductions
Choice Plus Purple
Choice Plus Bronze HDHPHSA
Employee only $7185 $4321 $2427
Employee + one dependent
$16766 $11523 $9708
Family $23053 $15845 $13348
There will be no changes to the benefit level for the following programs
bull Medical HealthInsurance Plan
bull Dental Health Insurance Plan
bull Basic Life andAccidental Death ampDismemberment (ADampD)
bull Supplemental Life ampDependent Life
bull Personal AccidentInsurance (PAI)
bull Short-Term andLong-Term Disability ampFamily and MedicalLeave Act (FMLA)Administration
bull 401(k) and 401(k)+ Plans
bull Tuition AssistanceProgram (TAP)
bull Business TravelAccident (BTA)
bull Life AssistanceProgram (LAP)
bull Adoption Assistance
bull Time Away From Work
bull Fitness ClubReimbursement
The Dental Health Insurance costs for 2017 will change and are noted below However Vision Plan costs remain unchanged
2017 Bi-weekly Payroll Deduction
Dental Vision
Employee only $565 $187
Employee + one dependent $1098 $503
Family $2107 $946
DoNrsquoT FoRgeT ABouT THe FSA
If you wish to participate in the 2017 Flexible Spending Account plan you must actively make an election
WageWorks will continue handling the administration of the FSA plans and medical pharmacy dental and vision claims can be paid automatically from your FSA account Remember both the Health FSA and the Healthcare Limited FSA are capped at $2600 and have a minimum annual contribution of $100
Please remember HDHPHSA participants will not be eligible for the Health FSA to enable participation in the Health Savings Account (HSA) per IRS rules However HDHPHSA participants may participate in a Special Healthcare Limited FSA plan which allows for pre-tax savings toward dental and vision expenses only
You can calculate your savings potential on a Flexible Spending Account (FSA) at wwwwageworkscomemployeecalculatorshtm This tool will help you determine the appropriate amount to contribute to a particular account should you decide to open one and how much yoursquoll save as a result
Health Care Reform Update Early in 2017 Bioventus will send you a new 1095-C tax form which is required as part of complying with the Affordable Care Act (ACA) If you were offered health care this form includes information about the type of health coverage you and your family were offered This form includes the information that you will need to complete your Federal income tax return A copy of the form is also provided to the IRS
As a result of the ACA people without access to affordable coverage through their employer may qualify for tax subsidies to help pay premiums for coverage bought through the new public marketplaces Eligibility for the subsidy depends on your household income and the coverage offered by Bioventus Not everyone will qualify for a subsidy
We are required by federal law to provide valid Social Security Numbers for employees and any covered dependents please review your data in WorkDay to verify all SSNrsquos are correct
3
What Is This High-Deductible Health Plan (HDHPHSA) and How Does It Work
It is a standard base medical plan that offers coverage both in-network and out-of-network In order to be coupled with an HSA feature it must be a qualified high-deductible health plan which means it must be in compliance with all the rules established by the IRS regarding minimum deductibles maximum out-of-pocket (OOP) limits HSA contribution limits eligibility requirements etc It has the following features
bull In 2017 participants will be given a one-timeHSA account contribution from Bioventus ($750 perindividual and $1500 per family) Participants alsohave the option to set aside pre-tax savings to usetoward the deductibles or coinsurance throughout theyear ndash or save for the future
bull Participants are responsible for first dollar paymentfor claims up to the deductible ($1300 per individualand $2600 per family in-network and $2600 perindividual and $6500 per family out-of-network)
bull After the deductible is met participants areresponsible for their coinsurance (20 in-networkor 40 out-of-network) until the out-of-pocketmaximum ($3000 per individual and $6000 perfamily in-network and $6000 per individual and$12000 per family out-of-network) is reachedeach year
bull Routine physicals and preventive care will becovered at 100 in-network The deductible is waivedfor preventative medications
What Is an HSA
A Health Savings Account (HSA) is a special tax-free account created exclusively for the benefit of participants enrolled in a High-Deductible Health Plan to use toward qualified medical expenses
It is much like a Flexible Spending Account (FSA) except there are no ldquouse it or lose itrdquo rules Unspent funds remain the property of the employee You own the HSA funds as soon as it is deposited into your account HSAs are portable and money left alone in the account will accumulate on a tax free basis
Any adult can contribute to an HSA if heshe
bull Is covered under a qualified high-deductible healthplan only (Bioventusrsquo HDHPHSA)
bull Is not enrolled in Medicare
bull Is not enrolled in a Health FSA
bull Cannot be claimed as a dependent on someoneelsersquos tax return
The IRS limits how much you can contribute to your HSA account each year
2017 Annual HSA Contribution Limits
Employee $3400
Employee + 1 $6750
Family $6750
Allowable catch-up contribution for age 55+ $1000
The maximum contribution amounts include any company funding
4
Before you select the HDHPHSA there is more you should know
bull The HSA account will be opened and maintained byPayFlex a partner of Aetna
bull Once you accumulate $1000 in the HSA you can invest in mutual funds offered by PayFlex Account earnings aretax-free
bull Withdrawals from your HSA can be used for qualifiedmedical expenses (including certain dental and visionexpenses) Long Term Care coverage or COBRApremiums tax-free
bull If you are enrolled in a Health Care FSA and have anFSA account balance on 1117 you can establish anew HSA account but you are not able to fund theHSA account until the first of the month after theFSA run out period ends If this applies to you youmust avoid funding the HSA until after April 1 2017
bull If enrolled in the HDHPHSA for 2017 you are eligible to enroll in a Limited Health care Flexible Spending Accountfor dental and vision care expenses only
bull You cannot contribute to the HSA account for adependent child who is not claimed as a tax dependent
bull Any amounts used for purposes other than qualifiedmedical expenses are taxable as income and aresubject to an additional 20 tax penalty
There are a few ways to take HSA distributions and pay for qualified medical expenses
1 Use your HSA PayFlexreg debit card
2 Use your HSA debit card as an ATM card to payyourself back for out of pocket expenses
3 Make an online payment via wwwaetnanavigatorcom
4 Make payment by check from your HSAchecking account
It is always best to have your doctorrsquos office submit the claim through insurance so that you receive credit toward your annual deductible get the Aetna discounted rate and know exactly what to pay
More information on Health Savings Accounts (HSAs) is available at wwwpayflexcom
ATM and checking fees apply
MoRe ABouT HSAs
Why Do employers offer a High-Deductible Plan with an HSA
Almost 60 of employers in our industry now offer high-deductible health plans with an optional Health Savings Account in order to reduce employers plan costs and to provide employees with an additional retirement savings tool HSAs allow employees to
bull Access a lower cost plan option
bull Access the triple tax advantages of HSA savings
1 Contributions are made on a pre-tax basis
2 Account earnings are tax-free
3 Withdrawals for qualified medical expenses are tax-free
bull Control their personal health costs
bull Save for short term medical expenses
bull Saveinvest for long term medical and retirement
What Is This High-Deductible Health Plan (HDHPHSA) and How Does It Work (continued)
5
All employees are strongly encouraged to use tools available at wwwaetnacom to compare and model the options
If yoursquore a new employee you will need to register using your Social Security number employees who already participate in one or more of the plans can use their subscriber ID number Aetna provides an online tool that can help you compare the different types of plans available (It is not specific to Bioventusrsquo plans but will give you an idea)
When comparing your options remember to consider
bull Premium costs Compare what you will pay forcoverage and whether the cost will be taxableWill you qualify for Medicaid or for tax credits orsubsidies
bull Plan design Consider what you will likely pay outof pocket based on your own usage and the plandeductible coinsurance annual out-of-pocketmaximum copayments etc Also consider covereddrugs or excluded medical services
bull Provider network Review the provider networkWhat will it cost you to use a non-network provider
bull Your life Are you expecting any changes in your familyand who you will cover Are you considering marriagedivorce birth or adoption of a child or will yourdependent lose coverage due to the age limitation
bull Your health needs Do you expect upcomingmedical expenses or changes in your medicalcondition Are you or a family member diagnosedwith a chronic medical condition that requires on-goingregular visits or increased use of medicationsAre there any planned hospitalization pregnancysurgery etc
Take a look at the examples on the next page to see if there are any you can relate to
How Do I Choose the Best Plan for Me
MeDICAL INSuRANCe TeRMS AND DeFINITIoNS
Deductible ndash The amount plan participants must pay prior to the receipt of any benefits with the exception of those benefits payable as preventative and not subject to deductible
Co-pay ndash The amount a plan participant must pay at time of service after satisfying the deductible if applicable
Coinsurance ndash The percent of service charge the participant is subject to pay after satisfying the deductible
out-of-pocket maximum ndash The maximum dollar amount a participant will be subject to pay in any one plan year after which the plan pays 100
6
How Do I Choose the Best Plan for Me (continued)
example 1 ndash Healthy Hope is in good health and exercises 3-4 times per week She thinks she will use the new Teladoc services twice But she does not anticipate any major medical expenses in 2017
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $388 $0 $0 $80
Annual cost of single coverage (premium) $1868 $1124 $631
Annual Bioventus HSA contribution ($750 individual$1500 family) $0 $0 $750
Total cost to Hope (services + premiums) $1868 $1124 $631
HSA balance at year end to roll over to 2018 $0 $0 $670
example 2 ndash Not-so-careful Nick has a wife and two children They are generally in good health but they expect to have have a few unexpected trips to the ER and some minor illnesses in 2017
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $6505 $1634 $2148 $3324
Annual cost of family coverage (premiums) $5994 $4120 $3470
Annual Bioventus HSA contribution($750 individual$1500 family) $0 $0 $1500
Total cost to Nick (services + premiums) $7628 $6268 $5294HSA balance remaining at year end to roll over to 2018 $0 $0 $0
example 3 ndash Back Surgery Brenda has three grown children not on the plan but she does cover her husband She just scheduled a back surgery for early 2017 and is looking forward to being pain free and getting back to golf
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $25463 $3000 $4500 $6000
Annual cost of family coverage (premiums) $4359 $2996 $2524
Annual Bioventus HSA contribution($750 individual$1500 family) $0 $0 $1500
Total cost to Brenda(services + premiums) $7359 $7496 $7024
HSA balance remaining at year end to roll over to 2018 $0 $0 $0
7
Note Any benefits paid under the new voluntary insurance programs will reflect a further reduction in employee out-of-pocket expenses in each of the following examples
Announcing four new benefit programs for 2017 In an effort to offer the most meaningful benefits to meet the needs of our diverse workforce we are introducing new voluntary benefits These benefits offer added financial protection for a variety of lifersquos unexpected expenses As a Bioventus employee you have a unique opportunity to access these programs for free If you enroll in the Bioventus HDHPHSA during this Open Enrollment period Bioventus will cover the cost of one of the supplemental medical plans for 2017 You will have the choice of either the Allstate Benefits Group Critical Illness Insurance ($5000 Coverage Plan) or the Allstate Benefits Group Accident Insurance (Basic Insurance Plan) at no cost to you The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
Voluntary Benefits
8
Please review these valuable new options The first two are supplemental medical insurance products designed to provide additional protection or fill in the gaps in your health plan by paying for expenses you would normally pay out-of-pocket
If you do not enroll in the Bioventus HDHPHSA you can still access the new plans These voluntary benefits are available to any employee and any costs may be paid through the convenience of payroll deductions
AllstateBenefits(AB)isthemarketingnameusedbyAmericanHeritageLifeInsuranceCompany(HomeOfficeJacksonvilleFL) a subsidiary of The Allstate Corporation
group Critical Illness Insurance Benefits from Allstate
Allstate Benefits Group Voluntary Critical Illness Insurance a supplemental medical insurance product designed to pay a lump-sum benefit directly to the insured upon diagnosis of a covered critical illness like cancer stroke heart attack and organ transplant Benefits can be used to
bull Fill gaps in major medical insurance
bull Protect your assets
bull Provide funds to provide for caregivers special medicalequipment mortgage and other loans extra childcare costs daily living expenses or transportation
bull Pay for out-of-network medical andexperimental treatment
bull Replace your income during recuperation
Our plan covers up to $5000 per eligible illness if you enroll in the Bioventus HDHPHSA We pay the premium for you HDHPHSA participants may select the $10000 coverage option and pay the additional premium costs If you enroll your spouse or dependents they will be covered at up to 50 of your maximum benefit amount
Again if you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of the $5000 level of coverage for the Allstate Benefits Group Critical Illness Insurance or the Allstate Benefits Group Basic Voluntary Accident Insurance for you
See pages 17-18 for more information
Bi-Weekly Group Critical Illness Employee Deductions
$5k benefit amountAge EE ee+S EE+C Family18-24 $023 $035 $023 $035
25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113
$10k benefit amountAge EE ee+S EE+C Family18-24 $046 $069 $046 $069 25-29 $056 $083 $056 $083 30-34 $098 $148 $098 $148 35-39 $157 $235 $157 $235 40-44 $261 $392 $261 $392 45-49 $409 $614 $409 $614 50-54 $631 $946 $631 $946 55-59 $942 $1412 $942 $1412 60-64 $1422 $2132 $1422 $2132 65-69 $2113 $3171 $2113 $3171 70-74 $2744 $4117 $2744 $4117 75-79 $3277 $4915 $3277 $4915 80+ $4152 $6226 $4152 $6226
Allstate Benefits group Voluntary Accident Insurance
Accident insurance is another form of supplemental medical insurance It pays a lump-sum benefit directly to the insured for an accidental injury You have two benefit options Basic and Premier to choose from Benefits are paid when an accident causes fractures dislocations loss of limbs burns hospital and ambulance expenses accident-related disabilities or death Accident insurance will help you pay for
bull Hospitalemergency room care
bull Injuries requiring surgery
bull Ambulance fees
bull Physical therapy
bull Recovery income
bull Family lodging
Please see the example in the chart on the right
If you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of of the Basic Allstate Benefit Group Accident Insurance or the $5000 level of the Allstate Benefits Group Critical Illness Insurance coverage
Voluntary Benefits (contrsquod)
Purple Plan Bronze Plan HDHPHSA Plan
Full cost of medical services $13270 $13270 $13270
Deductible you pay $350 $800 $1300
Copays you pay $340 $460 $0
Coinsurance you pay $1310 $1240 $1700
Accident benefits paid to you $0 $0 $6305
Account funding paid to you $0 $0 ($750)
Employee contributions you pay $1868 $1124 $631
Your total cost(savings) $3868 $3624 $3424
See page 19-20 for more information
Full Cost of Medical Services
Accident Insurance Reimbursement
Basic Plan Premier Plan
Ambulance (ground) $400 $100 $200
Non-ICU hospital admission (3 days confinement)
$3500 $1600 $3200
Fracture (tibia) $6000 $4000 $8000
Emergency room $1000 $100 $200
X-rays $170 $100 $200
Follow-up visits (2) $200 $100 $200
Physical therapy visits (4)
$400 $120 $240
MRICat Scan $1500 $50 $100
Appliance (crutches) $50 $125 $250
Medical supplies or medicine
$50 $10 $20
ToTAL $13270 $6305 $12610
How This Impacts Out-of-Pocket Costs
9
Bi-Weekly Accident Insurance Employee Deductions
EE ee + S EE + C Family
Basic $296 $512 $688 $842
Premier $592 $1024 $1376 $1682
Example
InfoArmor Identity Financial and Privacy Protection Program
PrivacyArmor is a proactive fraud detection and prevention including a fully-managed identity restoration for state-of-the art identity protection Features include
bull Identity and credit monitoring
bull Credit report each year and a score each month
bull Password management solution
bull Social media reputation monitoring
bull Digital wallet storage and monitoring
bull Full-Service Identity Restoration
bull $1000000 Identity Theft Insurance Policy
Bi-Weekly Cost
InfoArmor Identity Theft Protection
$459 per person$828 per family
See pages 21-22 for more information
ARAG Legal Insurance
MetLaw provides two options of legal services and representation from a qualified attorney at an affordable price Features include
bull Quick easy access to a nationwide network of11000 pre-qualified Plan Attorneys with an averageof 25 years of experience
bull You can choose a non-Plan Attorney and may bereimbursed through the ARAG plan
bull Low monthly cost for unlimited use of the plan
bull Premium is deducted from your paycheck noclaim forms
bull Spouse and children also have access to theplan benefits
Bi-Weekly Cost
ARAg Legal Insurance UltimateAdvisorreg Plus UltimateAdvisorreg
Family $1108 Family $715
See pages 23-24 for further services at each level
Voluntary Benefits (contrsquod)
10
The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
How Do I Enroll
11
Steps
1 Log into WorkDay
a Open the ldquoOpen Enrollmentrdquo task in your inbox
2 Review your current medical dental and vision elections You can find additional information about each plan by clicking on ldquoProvider Websiterdquo Make any changes to your current elections in the ldquoElectWaiverdquo column
3 To add dependentsa Choose the correct tier from the ldquoCoveragerdquo columnb In the ldquoEnroll Dependentsrdquo column click on ldquoCreaterdquo if you need
to add a dependent that is not already in the system For thosethat are already in the system you can select their name
c Add dependent and beneficiary information Complete all fieldsnoted with an asterisk
d The federal government (IRS) requires Bioventus collectand report valid Social Security Numbers for all dependentscovered under our plan Please be sure to include yourdependentsrsquo Social Security Numbers when you enroll
4 Please also take a moment to review and update your contact information emergency contact and add a photo of yourself These can be found under the ldquoAll About Merdquo tab then click on Personal Informationa When adding your phone number you must include the area
code which is in a separate field above the phone number fieldAlso a hyphen is required in the phone number after thethird digit
b Phone number and mailing address are mandatory for allemergency contacts
c To add a photo click on the down arrow next to your nameat the top of the screen Then click on ldquoPersonal Datardquo thenldquoChange My Photordquo Click ldquoBrowserdquo to locate your photo fileand then click ldquoUploadrdquo
1 Who do I contact at Aetna for questionsYou have access to Aetnarsquos Concierge line at 1-855-845-0572 Aetna representatives can provide you with information about the features and benefits of your coverage Please provide the Aetna representative with the following Bioventus account number 869900 This will help Aetna identify you as an Aetna customer
2 How can I find out if my current medical provider isin the Aetna networkLog onto wwwaetnacom and click on ldquoIndividuals amp Familiesrdquo in the upper left of the webpage Scroll half way down the page in the blue box (1) Click ldquoFind a doctor dentist facility or vision providerrdquo In the section noted ldquoThinking of getting an Aetna planrdquo (2) Click on ldquoFind doctors dentists and hospitals in our plansrdquo For the question ldquoWhat type of plan are you consideringrdquo (3) Click on ldquoA Plan Offered by My Employer or Organization (Includes small group plans purchased on exchange in Maryland Delaware and District of Columbia)rdquo Enter your search parameters You can either search by Provider Name Specialty Procedure or Condition and by Zip Code or City State
Then in the ldquoSelect a Planrdquo section - Under Aetna Open Access Plans select ldquoAetna Choice POS II (Open Access)rdquo then (4) Click rdquoContinuerdquo
3 How do I know what co-paytier applies to myprescription under the Aetna Pharmacy plan We encourage you to check the status of your Rx with Aetnarsquos Preferred Drug list Medication Search Tool which can be accessed at wwwaetnacom On the site under Find your drug information use the 2017 Three Tier Open Plans expand option and select ldquoSearch to see if a drug is coveredrdquo You can also contact Aetna by calling the phone numbers referenced in 1 above for assistance or from your current medical ID card
4 Do you have a Mail Order Pharmacy ProgramYes Aetnarsquos Rx Home Delivery is designed especially for individuals who take maintenance prescription medications In addition members have the option to pick up their maintenance medications that they normally have delivered at CVSpharmacy retail locations most convenient to them through the Maintenance Choice program To pick up at CVSpharmacy
bull Log in to wwwaetnanavigatorcom Click ldquoFind a DoctorPharmacy or Facilityrdquo to find a CVSpharmacy near you
bull For new orders ndash if you have a new prescription fora 90-day supply please ask the pharmacist to fill itYou can also call the toll-free number on your memberID card and Aetna will handle the rest
bull For refill orders ndash To refill an existing prescription bringyour current medicine to the pharmacist andask for a 90-day refill through the MaintenanceChoice program
5 Do certain prescriptions require prior authorizationYes there are certain medications that may require prior au-thorization from Aetna which are included in Aetnarsquos Nation-al Precertification List Participating providers are required to pursue precertification using the process explained at this link httpwwwaetnacomhealth-care- professionalsprecertificationprecertification-listshtml Please select the ldquo2016 Participating Provider Precertificationrdquo link to see the current list of prescriptions included This list is updated from time to time and the Drugs and Medical Injectables are currently listed under 14 on this most recent list This list is subject to change for 2017
You can also find out if your medication requires an authorization by calling Aetnarsquos concierge line at 1-855-845-0572
Frequently Asked Questions
12
CONTINUED
Frequently Asked Questions (contrsquod)
6 Does Aetna an employee self-service web-siteYes Aetna Navigator is a convenient and secure personalized on-line resource It contains easy-to-use interactive tools to help you manage your medical plan and provides access to a wealth of wellness information You can search for network physicians refill mail order prescriptions rank hospital quality standards compare medications take a health risk assessment and so much more You can register for Aetna Navigator at wwwaetnacom as of January 1st The registration process is easy and quick
bull Go to wwwaetnacom
bull Click on ldquoIndividuals amp Familiesrdquo in the upper left of thewebpage Click Log In Register
bull First-time users click Sign up nowrarr in the blue box
bull Follow the prompts one through five to complete yournavigator registration
bull Be careful when entering your name that you do not usenick names You must use the name that you noted onyour enrollment form as this is recognized in the Aetnaeligibility system
bull If you do not have your member ID you may registerusing your social security number
7 What should I do if I donrsquot have an ID card onJanuary 1stYou can print a temporary ID card from your Aetna Navigator home page once you register From your Aetna Navigator Home Page select ldquoGet an ID Cardrdquo on the left Click the ldquoView Cardrdquo button which will then display a copy of your card and it will provide you the option to View and Print the ID Card or Order a Replacement ID Card
bull Go to wwwaetnacom
bull Click Log on and enter your user ID and password
bull This will bring you to the home page of Your SecureWebsite
bull On the left hand side of the screen under I want toselect get an ID Card
bull Under Choose a Card click on View Card
bull Click ViewPrint ID Card
8 How do I file a Medical claim for reimbursement fornon-network servicesIf you see an out-of-network provider you are responsible for paying in full at the point of service and will need to file a claim to receive reimbursement Submit a completed medical claim form and itemized receipt or bill from the pro-vider to the address on the back of your ID card You can also call the Aetna Concierge number printed on the back of your ID card to assist with filing a claim and you may go to wwwaetnacom to download a claim form
Health Savings Account
9 Who is the administrator of the Health SavingsAccountsIf you elect coverage under the HDHPHSA your HSA account will be administered by PayFlex a selected partner for Aetna In order to be eligible to set up a new HSA account with Payflex you are required to be enrolled in the HDHPHSA
10 Are there charges associated with a HSANo There is no charge to Bioventus participants for HSA accounts that roll over from other HSAs to PayFlex
11 Can I leave my money with another HSAFinancial Institution You can leave your money with other HSA Accounts however if you select the HDHPHSA or HDHP as of January 1 2017 an HSA account with Payflex will automatically be opened for you If you do not select the HDHPHSA for 2017 your existing HSA balance will be converted to an individual account with the other provider
12 Can I invest my HSA money with PayFlexYes once you have an HSA balance of $1000 you can choose investments for those funds
CONTINUED
13
Frequently Asked Questions (contrsquod)
13 Are there fees associated with the HSAThe monthly maintenance fee charged by PayFlex are paid by Aetna as long as you are an active employee and enrolled in the HDHPHSA Additional fees that are charged for overdrafts paper statements investment fees etc are your responsibility and will not paid for by Bioventus
If in the future you leave the company or you are no longer enrolled in a qualified high deductible health plan such as the HDHPHSA offered by Bioventus your HSA will be converted to an individual account at PayFlex and you will become responsible for a monthly account fee of $400 (and any additional fees mentioned above) that will be automatically deducted from your account balance
14 What happens to my Payflex HSA if I do not enrollin the HDHPHSA in 2017 If you do not enroll in Bioventusrsquo HDHPHSA you will need to keep your existing HSA funds with Payflex Since it will become an individual account you will be charged a monthly fee for this Note that you cannot add to your HSA funds unless you are actively enrolled in a qualified HDHPHSA however you can still access your HSA funds to pay for eligible expenses
15 How can I access information about my PayFlexHSA Account Once your HSA account with PayFlex is open you can register through the Aetna Navigator for easy access to your HSA account funds
16 Can I access my HSA activity using the AetnaMobile App No The Aetna Mobile App only provides medical plan information To track your HSA activity you can download the PayFlex Mobile App at wwwpayflexcommobile-app
17 How do I contact the Voluntary Benefit providersfor additional information about what their plans cover and to answer questions that I may have
Benefit Contact
Allstate Benefits group Voluntary Critical Illness and Accident Coverage
wwwallstatebenefitscom 800-348-4489
ARAg Legal Insurance wwwARAGlegalcentercom Access code 18222bio 800-247-4184
InfoArmor Identity Financial and Privacy Protection Program
wwwmyPrivacyArmorcom 800-789-2720
Mercer Help Line 1-800-358-3792
14
For More Information
FoR MoRe INFoRMATIoN
If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom
Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom
TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion
15
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
Planning for 2017
2017 Premium ContributionsThere are some changes to the current Purple Medical Health Insurance and Dental Health Insurance Plan premiums for 2017 However our plans continue to be priced competitively and offer great value to you and your family
The table below shows a summary of the Medical Healthcare Insurance Plan premiums for 2017
Bi-weekly Payroll Deductions
Choice Plus Purple
Choice Plus Bronze HDHPHSA
Employee only $7185 $4321 $2427
Employee + one dependent
$16766 $11523 $9708
Family $23053 $15845 $13348
There will be no changes to the benefit level for the following programs
bull Medical HealthInsurance Plan
bull Dental Health Insurance Plan
bull Basic Life andAccidental Death ampDismemberment (ADampD)
bull Supplemental Life ampDependent Life
bull Personal AccidentInsurance (PAI)
bull Short-Term andLong-Term Disability ampFamily and MedicalLeave Act (FMLA)Administration
bull 401(k) and 401(k)+ Plans
bull Tuition AssistanceProgram (TAP)
bull Business TravelAccident (BTA)
bull Life AssistanceProgram (LAP)
bull Adoption Assistance
bull Time Away From Work
bull Fitness ClubReimbursement
The Dental Health Insurance costs for 2017 will change and are noted below However Vision Plan costs remain unchanged
2017 Bi-weekly Payroll Deduction
Dental Vision
Employee only $565 $187
Employee + one dependent $1098 $503
Family $2107 $946
DoNrsquoT FoRgeT ABouT THe FSA
If you wish to participate in the 2017 Flexible Spending Account plan you must actively make an election
WageWorks will continue handling the administration of the FSA plans and medical pharmacy dental and vision claims can be paid automatically from your FSA account Remember both the Health FSA and the Healthcare Limited FSA are capped at $2600 and have a minimum annual contribution of $100
Please remember HDHPHSA participants will not be eligible for the Health FSA to enable participation in the Health Savings Account (HSA) per IRS rules However HDHPHSA participants may participate in a Special Healthcare Limited FSA plan which allows for pre-tax savings toward dental and vision expenses only
You can calculate your savings potential on a Flexible Spending Account (FSA) at wwwwageworkscomemployeecalculatorshtm This tool will help you determine the appropriate amount to contribute to a particular account should you decide to open one and how much yoursquoll save as a result
Health Care Reform Update Early in 2017 Bioventus will send you a new 1095-C tax form which is required as part of complying with the Affordable Care Act (ACA) If you were offered health care this form includes information about the type of health coverage you and your family were offered This form includes the information that you will need to complete your Federal income tax return A copy of the form is also provided to the IRS
As a result of the ACA people without access to affordable coverage through their employer may qualify for tax subsidies to help pay premiums for coverage bought through the new public marketplaces Eligibility for the subsidy depends on your household income and the coverage offered by Bioventus Not everyone will qualify for a subsidy
We are required by federal law to provide valid Social Security Numbers for employees and any covered dependents please review your data in WorkDay to verify all SSNrsquos are correct
3
What Is This High-Deductible Health Plan (HDHPHSA) and How Does It Work
It is a standard base medical plan that offers coverage both in-network and out-of-network In order to be coupled with an HSA feature it must be a qualified high-deductible health plan which means it must be in compliance with all the rules established by the IRS regarding minimum deductibles maximum out-of-pocket (OOP) limits HSA contribution limits eligibility requirements etc It has the following features
bull In 2017 participants will be given a one-timeHSA account contribution from Bioventus ($750 perindividual and $1500 per family) Participants alsohave the option to set aside pre-tax savings to usetoward the deductibles or coinsurance throughout theyear ndash or save for the future
bull Participants are responsible for first dollar paymentfor claims up to the deductible ($1300 per individualand $2600 per family in-network and $2600 perindividual and $6500 per family out-of-network)
bull After the deductible is met participants areresponsible for their coinsurance (20 in-networkor 40 out-of-network) until the out-of-pocketmaximum ($3000 per individual and $6000 perfamily in-network and $6000 per individual and$12000 per family out-of-network) is reachedeach year
bull Routine physicals and preventive care will becovered at 100 in-network The deductible is waivedfor preventative medications
What Is an HSA
A Health Savings Account (HSA) is a special tax-free account created exclusively for the benefit of participants enrolled in a High-Deductible Health Plan to use toward qualified medical expenses
It is much like a Flexible Spending Account (FSA) except there are no ldquouse it or lose itrdquo rules Unspent funds remain the property of the employee You own the HSA funds as soon as it is deposited into your account HSAs are portable and money left alone in the account will accumulate on a tax free basis
Any adult can contribute to an HSA if heshe
bull Is covered under a qualified high-deductible healthplan only (Bioventusrsquo HDHPHSA)
bull Is not enrolled in Medicare
bull Is not enrolled in a Health FSA
bull Cannot be claimed as a dependent on someoneelsersquos tax return
The IRS limits how much you can contribute to your HSA account each year
2017 Annual HSA Contribution Limits
Employee $3400
Employee + 1 $6750
Family $6750
Allowable catch-up contribution for age 55+ $1000
The maximum contribution amounts include any company funding
4
Before you select the HDHPHSA there is more you should know
bull The HSA account will be opened and maintained byPayFlex a partner of Aetna
bull Once you accumulate $1000 in the HSA you can invest in mutual funds offered by PayFlex Account earnings aretax-free
bull Withdrawals from your HSA can be used for qualifiedmedical expenses (including certain dental and visionexpenses) Long Term Care coverage or COBRApremiums tax-free
bull If you are enrolled in a Health Care FSA and have anFSA account balance on 1117 you can establish anew HSA account but you are not able to fund theHSA account until the first of the month after theFSA run out period ends If this applies to you youmust avoid funding the HSA until after April 1 2017
bull If enrolled in the HDHPHSA for 2017 you are eligible to enroll in a Limited Health care Flexible Spending Accountfor dental and vision care expenses only
bull You cannot contribute to the HSA account for adependent child who is not claimed as a tax dependent
bull Any amounts used for purposes other than qualifiedmedical expenses are taxable as income and aresubject to an additional 20 tax penalty
There are a few ways to take HSA distributions and pay for qualified medical expenses
1 Use your HSA PayFlexreg debit card
2 Use your HSA debit card as an ATM card to payyourself back for out of pocket expenses
3 Make an online payment via wwwaetnanavigatorcom
4 Make payment by check from your HSAchecking account
It is always best to have your doctorrsquos office submit the claim through insurance so that you receive credit toward your annual deductible get the Aetna discounted rate and know exactly what to pay
More information on Health Savings Accounts (HSAs) is available at wwwpayflexcom
ATM and checking fees apply
MoRe ABouT HSAs
Why Do employers offer a High-Deductible Plan with an HSA
Almost 60 of employers in our industry now offer high-deductible health plans with an optional Health Savings Account in order to reduce employers plan costs and to provide employees with an additional retirement savings tool HSAs allow employees to
bull Access a lower cost plan option
bull Access the triple tax advantages of HSA savings
1 Contributions are made on a pre-tax basis
2 Account earnings are tax-free
3 Withdrawals for qualified medical expenses are tax-free
bull Control their personal health costs
bull Save for short term medical expenses
bull Saveinvest for long term medical and retirement
What Is This High-Deductible Health Plan (HDHPHSA) and How Does It Work (continued)
5
All employees are strongly encouraged to use tools available at wwwaetnacom to compare and model the options
If yoursquore a new employee you will need to register using your Social Security number employees who already participate in one or more of the plans can use their subscriber ID number Aetna provides an online tool that can help you compare the different types of plans available (It is not specific to Bioventusrsquo plans but will give you an idea)
When comparing your options remember to consider
bull Premium costs Compare what you will pay forcoverage and whether the cost will be taxableWill you qualify for Medicaid or for tax credits orsubsidies
bull Plan design Consider what you will likely pay outof pocket based on your own usage and the plandeductible coinsurance annual out-of-pocketmaximum copayments etc Also consider covereddrugs or excluded medical services
bull Provider network Review the provider networkWhat will it cost you to use a non-network provider
bull Your life Are you expecting any changes in your familyand who you will cover Are you considering marriagedivorce birth or adoption of a child or will yourdependent lose coverage due to the age limitation
bull Your health needs Do you expect upcomingmedical expenses or changes in your medicalcondition Are you or a family member diagnosedwith a chronic medical condition that requires on-goingregular visits or increased use of medicationsAre there any planned hospitalization pregnancysurgery etc
Take a look at the examples on the next page to see if there are any you can relate to
How Do I Choose the Best Plan for Me
MeDICAL INSuRANCe TeRMS AND DeFINITIoNS
Deductible ndash The amount plan participants must pay prior to the receipt of any benefits with the exception of those benefits payable as preventative and not subject to deductible
Co-pay ndash The amount a plan participant must pay at time of service after satisfying the deductible if applicable
Coinsurance ndash The percent of service charge the participant is subject to pay after satisfying the deductible
out-of-pocket maximum ndash The maximum dollar amount a participant will be subject to pay in any one plan year after which the plan pays 100
6
How Do I Choose the Best Plan for Me (continued)
example 1 ndash Healthy Hope is in good health and exercises 3-4 times per week She thinks she will use the new Teladoc services twice But she does not anticipate any major medical expenses in 2017
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $388 $0 $0 $80
Annual cost of single coverage (premium) $1868 $1124 $631
Annual Bioventus HSA contribution ($750 individual$1500 family) $0 $0 $750
Total cost to Hope (services + premiums) $1868 $1124 $631
HSA balance at year end to roll over to 2018 $0 $0 $670
example 2 ndash Not-so-careful Nick has a wife and two children They are generally in good health but they expect to have have a few unexpected trips to the ER and some minor illnesses in 2017
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $6505 $1634 $2148 $3324
Annual cost of family coverage (premiums) $5994 $4120 $3470
Annual Bioventus HSA contribution($750 individual$1500 family) $0 $0 $1500
Total cost to Nick (services + premiums) $7628 $6268 $5294HSA balance remaining at year end to roll over to 2018 $0 $0 $0
example 3 ndash Back Surgery Brenda has three grown children not on the plan but she does cover her husband She just scheduled a back surgery for early 2017 and is looking forward to being pain free and getting back to golf
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $25463 $3000 $4500 $6000
Annual cost of family coverage (premiums) $4359 $2996 $2524
Annual Bioventus HSA contribution($750 individual$1500 family) $0 $0 $1500
Total cost to Brenda(services + premiums) $7359 $7496 $7024
HSA balance remaining at year end to roll over to 2018 $0 $0 $0
7
Note Any benefits paid under the new voluntary insurance programs will reflect a further reduction in employee out-of-pocket expenses in each of the following examples
Announcing four new benefit programs for 2017 In an effort to offer the most meaningful benefits to meet the needs of our diverse workforce we are introducing new voluntary benefits These benefits offer added financial protection for a variety of lifersquos unexpected expenses As a Bioventus employee you have a unique opportunity to access these programs for free If you enroll in the Bioventus HDHPHSA during this Open Enrollment period Bioventus will cover the cost of one of the supplemental medical plans for 2017 You will have the choice of either the Allstate Benefits Group Critical Illness Insurance ($5000 Coverage Plan) or the Allstate Benefits Group Accident Insurance (Basic Insurance Plan) at no cost to you The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
Voluntary Benefits
8
Please review these valuable new options The first two are supplemental medical insurance products designed to provide additional protection or fill in the gaps in your health plan by paying for expenses you would normally pay out-of-pocket
If you do not enroll in the Bioventus HDHPHSA you can still access the new plans These voluntary benefits are available to any employee and any costs may be paid through the convenience of payroll deductions
AllstateBenefits(AB)isthemarketingnameusedbyAmericanHeritageLifeInsuranceCompany(HomeOfficeJacksonvilleFL) a subsidiary of The Allstate Corporation
group Critical Illness Insurance Benefits from Allstate
Allstate Benefits Group Voluntary Critical Illness Insurance a supplemental medical insurance product designed to pay a lump-sum benefit directly to the insured upon diagnosis of a covered critical illness like cancer stroke heart attack and organ transplant Benefits can be used to
bull Fill gaps in major medical insurance
bull Protect your assets
bull Provide funds to provide for caregivers special medicalequipment mortgage and other loans extra childcare costs daily living expenses or transportation
bull Pay for out-of-network medical andexperimental treatment
bull Replace your income during recuperation
Our plan covers up to $5000 per eligible illness if you enroll in the Bioventus HDHPHSA We pay the premium for you HDHPHSA participants may select the $10000 coverage option and pay the additional premium costs If you enroll your spouse or dependents they will be covered at up to 50 of your maximum benefit amount
Again if you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of the $5000 level of coverage for the Allstate Benefits Group Critical Illness Insurance or the Allstate Benefits Group Basic Voluntary Accident Insurance for you
See pages 17-18 for more information
Bi-Weekly Group Critical Illness Employee Deductions
$5k benefit amountAge EE ee+S EE+C Family18-24 $023 $035 $023 $035
25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113
$10k benefit amountAge EE ee+S EE+C Family18-24 $046 $069 $046 $069 25-29 $056 $083 $056 $083 30-34 $098 $148 $098 $148 35-39 $157 $235 $157 $235 40-44 $261 $392 $261 $392 45-49 $409 $614 $409 $614 50-54 $631 $946 $631 $946 55-59 $942 $1412 $942 $1412 60-64 $1422 $2132 $1422 $2132 65-69 $2113 $3171 $2113 $3171 70-74 $2744 $4117 $2744 $4117 75-79 $3277 $4915 $3277 $4915 80+ $4152 $6226 $4152 $6226
Allstate Benefits group Voluntary Accident Insurance
Accident insurance is another form of supplemental medical insurance It pays a lump-sum benefit directly to the insured for an accidental injury You have two benefit options Basic and Premier to choose from Benefits are paid when an accident causes fractures dislocations loss of limbs burns hospital and ambulance expenses accident-related disabilities or death Accident insurance will help you pay for
bull Hospitalemergency room care
bull Injuries requiring surgery
bull Ambulance fees
bull Physical therapy
bull Recovery income
bull Family lodging
Please see the example in the chart on the right
If you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of of the Basic Allstate Benefit Group Accident Insurance or the $5000 level of the Allstate Benefits Group Critical Illness Insurance coverage
Voluntary Benefits (contrsquod)
Purple Plan Bronze Plan HDHPHSA Plan
Full cost of medical services $13270 $13270 $13270
Deductible you pay $350 $800 $1300
Copays you pay $340 $460 $0
Coinsurance you pay $1310 $1240 $1700
Accident benefits paid to you $0 $0 $6305
Account funding paid to you $0 $0 ($750)
Employee contributions you pay $1868 $1124 $631
Your total cost(savings) $3868 $3624 $3424
See page 19-20 for more information
Full Cost of Medical Services
Accident Insurance Reimbursement
Basic Plan Premier Plan
Ambulance (ground) $400 $100 $200
Non-ICU hospital admission (3 days confinement)
$3500 $1600 $3200
Fracture (tibia) $6000 $4000 $8000
Emergency room $1000 $100 $200
X-rays $170 $100 $200
Follow-up visits (2) $200 $100 $200
Physical therapy visits (4)
$400 $120 $240
MRICat Scan $1500 $50 $100
Appliance (crutches) $50 $125 $250
Medical supplies or medicine
$50 $10 $20
ToTAL $13270 $6305 $12610
How This Impacts Out-of-Pocket Costs
9
Bi-Weekly Accident Insurance Employee Deductions
EE ee + S EE + C Family
Basic $296 $512 $688 $842
Premier $592 $1024 $1376 $1682
Example
InfoArmor Identity Financial and Privacy Protection Program
PrivacyArmor is a proactive fraud detection and prevention including a fully-managed identity restoration for state-of-the art identity protection Features include
bull Identity and credit monitoring
bull Credit report each year and a score each month
bull Password management solution
bull Social media reputation monitoring
bull Digital wallet storage and monitoring
bull Full-Service Identity Restoration
bull $1000000 Identity Theft Insurance Policy
Bi-Weekly Cost
InfoArmor Identity Theft Protection
$459 per person$828 per family
See pages 21-22 for more information
ARAG Legal Insurance
MetLaw provides two options of legal services and representation from a qualified attorney at an affordable price Features include
bull Quick easy access to a nationwide network of11000 pre-qualified Plan Attorneys with an averageof 25 years of experience
bull You can choose a non-Plan Attorney and may bereimbursed through the ARAG plan
bull Low monthly cost for unlimited use of the plan
bull Premium is deducted from your paycheck noclaim forms
bull Spouse and children also have access to theplan benefits
Bi-Weekly Cost
ARAg Legal Insurance UltimateAdvisorreg Plus UltimateAdvisorreg
Family $1108 Family $715
See pages 23-24 for further services at each level
Voluntary Benefits (contrsquod)
10
The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
How Do I Enroll
11
Steps
1 Log into WorkDay
a Open the ldquoOpen Enrollmentrdquo task in your inbox
2 Review your current medical dental and vision elections You can find additional information about each plan by clicking on ldquoProvider Websiterdquo Make any changes to your current elections in the ldquoElectWaiverdquo column
3 To add dependentsa Choose the correct tier from the ldquoCoveragerdquo columnb In the ldquoEnroll Dependentsrdquo column click on ldquoCreaterdquo if you need
to add a dependent that is not already in the system For thosethat are already in the system you can select their name
c Add dependent and beneficiary information Complete all fieldsnoted with an asterisk
d The federal government (IRS) requires Bioventus collectand report valid Social Security Numbers for all dependentscovered under our plan Please be sure to include yourdependentsrsquo Social Security Numbers when you enroll
4 Please also take a moment to review and update your contact information emergency contact and add a photo of yourself These can be found under the ldquoAll About Merdquo tab then click on Personal Informationa When adding your phone number you must include the area
code which is in a separate field above the phone number fieldAlso a hyphen is required in the phone number after thethird digit
b Phone number and mailing address are mandatory for allemergency contacts
c To add a photo click on the down arrow next to your nameat the top of the screen Then click on ldquoPersonal Datardquo thenldquoChange My Photordquo Click ldquoBrowserdquo to locate your photo fileand then click ldquoUploadrdquo
1 Who do I contact at Aetna for questionsYou have access to Aetnarsquos Concierge line at 1-855-845-0572 Aetna representatives can provide you with information about the features and benefits of your coverage Please provide the Aetna representative with the following Bioventus account number 869900 This will help Aetna identify you as an Aetna customer
2 How can I find out if my current medical provider isin the Aetna networkLog onto wwwaetnacom and click on ldquoIndividuals amp Familiesrdquo in the upper left of the webpage Scroll half way down the page in the blue box (1) Click ldquoFind a doctor dentist facility or vision providerrdquo In the section noted ldquoThinking of getting an Aetna planrdquo (2) Click on ldquoFind doctors dentists and hospitals in our plansrdquo For the question ldquoWhat type of plan are you consideringrdquo (3) Click on ldquoA Plan Offered by My Employer or Organization (Includes small group plans purchased on exchange in Maryland Delaware and District of Columbia)rdquo Enter your search parameters You can either search by Provider Name Specialty Procedure or Condition and by Zip Code or City State
Then in the ldquoSelect a Planrdquo section - Under Aetna Open Access Plans select ldquoAetna Choice POS II (Open Access)rdquo then (4) Click rdquoContinuerdquo
3 How do I know what co-paytier applies to myprescription under the Aetna Pharmacy plan We encourage you to check the status of your Rx with Aetnarsquos Preferred Drug list Medication Search Tool which can be accessed at wwwaetnacom On the site under Find your drug information use the 2017 Three Tier Open Plans expand option and select ldquoSearch to see if a drug is coveredrdquo You can also contact Aetna by calling the phone numbers referenced in 1 above for assistance or from your current medical ID card
4 Do you have a Mail Order Pharmacy ProgramYes Aetnarsquos Rx Home Delivery is designed especially for individuals who take maintenance prescription medications In addition members have the option to pick up their maintenance medications that they normally have delivered at CVSpharmacy retail locations most convenient to them through the Maintenance Choice program To pick up at CVSpharmacy
bull Log in to wwwaetnanavigatorcom Click ldquoFind a DoctorPharmacy or Facilityrdquo to find a CVSpharmacy near you
bull For new orders ndash if you have a new prescription fora 90-day supply please ask the pharmacist to fill itYou can also call the toll-free number on your memberID card and Aetna will handle the rest
bull For refill orders ndash To refill an existing prescription bringyour current medicine to the pharmacist andask for a 90-day refill through the MaintenanceChoice program
5 Do certain prescriptions require prior authorizationYes there are certain medications that may require prior au-thorization from Aetna which are included in Aetnarsquos Nation-al Precertification List Participating providers are required to pursue precertification using the process explained at this link httpwwwaetnacomhealth-care- professionalsprecertificationprecertification-listshtml Please select the ldquo2016 Participating Provider Precertificationrdquo link to see the current list of prescriptions included This list is updated from time to time and the Drugs and Medical Injectables are currently listed under 14 on this most recent list This list is subject to change for 2017
You can also find out if your medication requires an authorization by calling Aetnarsquos concierge line at 1-855-845-0572
Frequently Asked Questions
12
CONTINUED
Frequently Asked Questions (contrsquod)
6 Does Aetna an employee self-service web-siteYes Aetna Navigator is a convenient and secure personalized on-line resource It contains easy-to-use interactive tools to help you manage your medical plan and provides access to a wealth of wellness information You can search for network physicians refill mail order prescriptions rank hospital quality standards compare medications take a health risk assessment and so much more You can register for Aetna Navigator at wwwaetnacom as of January 1st The registration process is easy and quick
bull Go to wwwaetnacom
bull Click on ldquoIndividuals amp Familiesrdquo in the upper left of thewebpage Click Log In Register
bull First-time users click Sign up nowrarr in the blue box
bull Follow the prompts one through five to complete yournavigator registration
bull Be careful when entering your name that you do not usenick names You must use the name that you noted onyour enrollment form as this is recognized in the Aetnaeligibility system
bull If you do not have your member ID you may registerusing your social security number
7 What should I do if I donrsquot have an ID card onJanuary 1stYou can print a temporary ID card from your Aetna Navigator home page once you register From your Aetna Navigator Home Page select ldquoGet an ID Cardrdquo on the left Click the ldquoView Cardrdquo button which will then display a copy of your card and it will provide you the option to View and Print the ID Card or Order a Replacement ID Card
bull Go to wwwaetnacom
bull Click Log on and enter your user ID and password
bull This will bring you to the home page of Your SecureWebsite
bull On the left hand side of the screen under I want toselect get an ID Card
bull Under Choose a Card click on View Card
bull Click ViewPrint ID Card
8 How do I file a Medical claim for reimbursement fornon-network servicesIf you see an out-of-network provider you are responsible for paying in full at the point of service and will need to file a claim to receive reimbursement Submit a completed medical claim form and itemized receipt or bill from the pro-vider to the address on the back of your ID card You can also call the Aetna Concierge number printed on the back of your ID card to assist with filing a claim and you may go to wwwaetnacom to download a claim form
Health Savings Account
9 Who is the administrator of the Health SavingsAccountsIf you elect coverage under the HDHPHSA your HSA account will be administered by PayFlex a selected partner for Aetna In order to be eligible to set up a new HSA account with Payflex you are required to be enrolled in the HDHPHSA
10 Are there charges associated with a HSANo There is no charge to Bioventus participants for HSA accounts that roll over from other HSAs to PayFlex
11 Can I leave my money with another HSAFinancial Institution You can leave your money with other HSA Accounts however if you select the HDHPHSA or HDHP as of January 1 2017 an HSA account with Payflex will automatically be opened for you If you do not select the HDHPHSA for 2017 your existing HSA balance will be converted to an individual account with the other provider
12 Can I invest my HSA money with PayFlexYes once you have an HSA balance of $1000 you can choose investments for those funds
CONTINUED
13
Frequently Asked Questions (contrsquod)
13 Are there fees associated with the HSAThe monthly maintenance fee charged by PayFlex are paid by Aetna as long as you are an active employee and enrolled in the HDHPHSA Additional fees that are charged for overdrafts paper statements investment fees etc are your responsibility and will not paid for by Bioventus
If in the future you leave the company or you are no longer enrolled in a qualified high deductible health plan such as the HDHPHSA offered by Bioventus your HSA will be converted to an individual account at PayFlex and you will become responsible for a monthly account fee of $400 (and any additional fees mentioned above) that will be automatically deducted from your account balance
14 What happens to my Payflex HSA if I do not enrollin the HDHPHSA in 2017 If you do not enroll in Bioventusrsquo HDHPHSA you will need to keep your existing HSA funds with Payflex Since it will become an individual account you will be charged a monthly fee for this Note that you cannot add to your HSA funds unless you are actively enrolled in a qualified HDHPHSA however you can still access your HSA funds to pay for eligible expenses
15 How can I access information about my PayFlexHSA Account Once your HSA account with PayFlex is open you can register through the Aetna Navigator for easy access to your HSA account funds
16 Can I access my HSA activity using the AetnaMobile App No The Aetna Mobile App only provides medical plan information To track your HSA activity you can download the PayFlex Mobile App at wwwpayflexcommobile-app
17 How do I contact the Voluntary Benefit providersfor additional information about what their plans cover and to answer questions that I may have
Benefit Contact
Allstate Benefits group Voluntary Critical Illness and Accident Coverage
wwwallstatebenefitscom 800-348-4489
ARAg Legal Insurance wwwARAGlegalcentercom Access code 18222bio 800-247-4184
InfoArmor Identity Financial and Privacy Protection Program
wwwmyPrivacyArmorcom 800-789-2720
Mercer Help Line 1-800-358-3792
14
For More Information
FoR MoRe INFoRMATIoN
If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom
Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom
TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion
15
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
What Is This High-Deductible Health Plan (HDHPHSA) and How Does It Work
It is a standard base medical plan that offers coverage both in-network and out-of-network In order to be coupled with an HSA feature it must be a qualified high-deductible health plan which means it must be in compliance with all the rules established by the IRS regarding minimum deductibles maximum out-of-pocket (OOP) limits HSA contribution limits eligibility requirements etc It has the following features
bull In 2017 participants will be given a one-timeHSA account contribution from Bioventus ($750 perindividual and $1500 per family) Participants alsohave the option to set aside pre-tax savings to usetoward the deductibles or coinsurance throughout theyear ndash or save for the future
bull Participants are responsible for first dollar paymentfor claims up to the deductible ($1300 per individualand $2600 per family in-network and $2600 perindividual and $6500 per family out-of-network)
bull After the deductible is met participants areresponsible for their coinsurance (20 in-networkor 40 out-of-network) until the out-of-pocketmaximum ($3000 per individual and $6000 perfamily in-network and $6000 per individual and$12000 per family out-of-network) is reachedeach year
bull Routine physicals and preventive care will becovered at 100 in-network The deductible is waivedfor preventative medications
What Is an HSA
A Health Savings Account (HSA) is a special tax-free account created exclusively for the benefit of participants enrolled in a High-Deductible Health Plan to use toward qualified medical expenses
It is much like a Flexible Spending Account (FSA) except there are no ldquouse it or lose itrdquo rules Unspent funds remain the property of the employee You own the HSA funds as soon as it is deposited into your account HSAs are portable and money left alone in the account will accumulate on a tax free basis
Any adult can contribute to an HSA if heshe
bull Is covered under a qualified high-deductible healthplan only (Bioventusrsquo HDHPHSA)
bull Is not enrolled in Medicare
bull Is not enrolled in a Health FSA
bull Cannot be claimed as a dependent on someoneelsersquos tax return
The IRS limits how much you can contribute to your HSA account each year
2017 Annual HSA Contribution Limits
Employee $3400
Employee + 1 $6750
Family $6750
Allowable catch-up contribution for age 55+ $1000
The maximum contribution amounts include any company funding
4
Before you select the HDHPHSA there is more you should know
bull The HSA account will be opened and maintained byPayFlex a partner of Aetna
bull Once you accumulate $1000 in the HSA you can invest in mutual funds offered by PayFlex Account earnings aretax-free
bull Withdrawals from your HSA can be used for qualifiedmedical expenses (including certain dental and visionexpenses) Long Term Care coverage or COBRApremiums tax-free
bull If you are enrolled in a Health Care FSA and have anFSA account balance on 1117 you can establish anew HSA account but you are not able to fund theHSA account until the first of the month after theFSA run out period ends If this applies to you youmust avoid funding the HSA until after April 1 2017
bull If enrolled in the HDHPHSA for 2017 you are eligible to enroll in a Limited Health care Flexible Spending Accountfor dental and vision care expenses only
bull You cannot contribute to the HSA account for adependent child who is not claimed as a tax dependent
bull Any amounts used for purposes other than qualifiedmedical expenses are taxable as income and aresubject to an additional 20 tax penalty
There are a few ways to take HSA distributions and pay for qualified medical expenses
1 Use your HSA PayFlexreg debit card
2 Use your HSA debit card as an ATM card to payyourself back for out of pocket expenses
3 Make an online payment via wwwaetnanavigatorcom
4 Make payment by check from your HSAchecking account
It is always best to have your doctorrsquos office submit the claim through insurance so that you receive credit toward your annual deductible get the Aetna discounted rate and know exactly what to pay
More information on Health Savings Accounts (HSAs) is available at wwwpayflexcom
ATM and checking fees apply
MoRe ABouT HSAs
Why Do employers offer a High-Deductible Plan with an HSA
Almost 60 of employers in our industry now offer high-deductible health plans with an optional Health Savings Account in order to reduce employers plan costs and to provide employees with an additional retirement savings tool HSAs allow employees to
bull Access a lower cost plan option
bull Access the triple tax advantages of HSA savings
1 Contributions are made on a pre-tax basis
2 Account earnings are tax-free
3 Withdrawals for qualified medical expenses are tax-free
bull Control their personal health costs
bull Save for short term medical expenses
bull Saveinvest for long term medical and retirement
What Is This High-Deductible Health Plan (HDHPHSA) and How Does It Work (continued)
5
All employees are strongly encouraged to use tools available at wwwaetnacom to compare and model the options
If yoursquore a new employee you will need to register using your Social Security number employees who already participate in one or more of the plans can use their subscriber ID number Aetna provides an online tool that can help you compare the different types of plans available (It is not specific to Bioventusrsquo plans but will give you an idea)
When comparing your options remember to consider
bull Premium costs Compare what you will pay forcoverage and whether the cost will be taxableWill you qualify for Medicaid or for tax credits orsubsidies
bull Plan design Consider what you will likely pay outof pocket based on your own usage and the plandeductible coinsurance annual out-of-pocketmaximum copayments etc Also consider covereddrugs or excluded medical services
bull Provider network Review the provider networkWhat will it cost you to use a non-network provider
bull Your life Are you expecting any changes in your familyand who you will cover Are you considering marriagedivorce birth or adoption of a child or will yourdependent lose coverage due to the age limitation
bull Your health needs Do you expect upcomingmedical expenses or changes in your medicalcondition Are you or a family member diagnosedwith a chronic medical condition that requires on-goingregular visits or increased use of medicationsAre there any planned hospitalization pregnancysurgery etc
Take a look at the examples on the next page to see if there are any you can relate to
How Do I Choose the Best Plan for Me
MeDICAL INSuRANCe TeRMS AND DeFINITIoNS
Deductible ndash The amount plan participants must pay prior to the receipt of any benefits with the exception of those benefits payable as preventative and not subject to deductible
Co-pay ndash The amount a plan participant must pay at time of service after satisfying the deductible if applicable
Coinsurance ndash The percent of service charge the participant is subject to pay after satisfying the deductible
out-of-pocket maximum ndash The maximum dollar amount a participant will be subject to pay in any one plan year after which the plan pays 100
6
How Do I Choose the Best Plan for Me (continued)
example 1 ndash Healthy Hope is in good health and exercises 3-4 times per week She thinks she will use the new Teladoc services twice But she does not anticipate any major medical expenses in 2017
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $388 $0 $0 $80
Annual cost of single coverage (premium) $1868 $1124 $631
Annual Bioventus HSA contribution ($750 individual$1500 family) $0 $0 $750
Total cost to Hope (services + premiums) $1868 $1124 $631
HSA balance at year end to roll over to 2018 $0 $0 $670
example 2 ndash Not-so-careful Nick has a wife and two children They are generally in good health but they expect to have have a few unexpected trips to the ER and some minor illnesses in 2017
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $6505 $1634 $2148 $3324
Annual cost of family coverage (premiums) $5994 $4120 $3470
Annual Bioventus HSA contribution($750 individual$1500 family) $0 $0 $1500
Total cost to Nick (services + premiums) $7628 $6268 $5294HSA balance remaining at year end to roll over to 2018 $0 $0 $0
example 3 ndash Back Surgery Brenda has three grown children not on the plan but she does cover her husband She just scheduled a back surgery for early 2017 and is looking forward to being pain free and getting back to golf
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $25463 $3000 $4500 $6000
Annual cost of family coverage (premiums) $4359 $2996 $2524
Annual Bioventus HSA contribution($750 individual$1500 family) $0 $0 $1500
Total cost to Brenda(services + premiums) $7359 $7496 $7024
HSA balance remaining at year end to roll over to 2018 $0 $0 $0
7
Note Any benefits paid under the new voluntary insurance programs will reflect a further reduction in employee out-of-pocket expenses in each of the following examples
Announcing four new benefit programs for 2017 In an effort to offer the most meaningful benefits to meet the needs of our diverse workforce we are introducing new voluntary benefits These benefits offer added financial protection for a variety of lifersquos unexpected expenses As a Bioventus employee you have a unique opportunity to access these programs for free If you enroll in the Bioventus HDHPHSA during this Open Enrollment period Bioventus will cover the cost of one of the supplemental medical plans for 2017 You will have the choice of either the Allstate Benefits Group Critical Illness Insurance ($5000 Coverage Plan) or the Allstate Benefits Group Accident Insurance (Basic Insurance Plan) at no cost to you The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
Voluntary Benefits
8
Please review these valuable new options The first two are supplemental medical insurance products designed to provide additional protection or fill in the gaps in your health plan by paying for expenses you would normally pay out-of-pocket
If you do not enroll in the Bioventus HDHPHSA you can still access the new plans These voluntary benefits are available to any employee and any costs may be paid through the convenience of payroll deductions
AllstateBenefits(AB)isthemarketingnameusedbyAmericanHeritageLifeInsuranceCompany(HomeOfficeJacksonvilleFL) a subsidiary of The Allstate Corporation
group Critical Illness Insurance Benefits from Allstate
Allstate Benefits Group Voluntary Critical Illness Insurance a supplemental medical insurance product designed to pay a lump-sum benefit directly to the insured upon diagnosis of a covered critical illness like cancer stroke heart attack and organ transplant Benefits can be used to
bull Fill gaps in major medical insurance
bull Protect your assets
bull Provide funds to provide for caregivers special medicalequipment mortgage and other loans extra childcare costs daily living expenses or transportation
bull Pay for out-of-network medical andexperimental treatment
bull Replace your income during recuperation
Our plan covers up to $5000 per eligible illness if you enroll in the Bioventus HDHPHSA We pay the premium for you HDHPHSA participants may select the $10000 coverage option and pay the additional premium costs If you enroll your spouse or dependents they will be covered at up to 50 of your maximum benefit amount
Again if you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of the $5000 level of coverage for the Allstate Benefits Group Critical Illness Insurance or the Allstate Benefits Group Basic Voluntary Accident Insurance for you
See pages 17-18 for more information
Bi-Weekly Group Critical Illness Employee Deductions
$5k benefit amountAge EE ee+S EE+C Family18-24 $023 $035 $023 $035
25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113
$10k benefit amountAge EE ee+S EE+C Family18-24 $046 $069 $046 $069 25-29 $056 $083 $056 $083 30-34 $098 $148 $098 $148 35-39 $157 $235 $157 $235 40-44 $261 $392 $261 $392 45-49 $409 $614 $409 $614 50-54 $631 $946 $631 $946 55-59 $942 $1412 $942 $1412 60-64 $1422 $2132 $1422 $2132 65-69 $2113 $3171 $2113 $3171 70-74 $2744 $4117 $2744 $4117 75-79 $3277 $4915 $3277 $4915 80+ $4152 $6226 $4152 $6226
Allstate Benefits group Voluntary Accident Insurance
Accident insurance is another form of supplemental medical insurance It pays a lump-sum benefit directly to the insured for an accidental injury You have two benefit options Basic and Premier to choose from Benefits are paid when an accident causes fractures dislocations loss of limbs burns hospital and ambulance expenses accident-related disabilities or death Accident insurance will help you pay for
bull Hospitalemergency room care
bull Injuries requiring surgery
bull Ambulance fees
bull Physical therapy
bull Recovery income
bull Family lodging
Please see the example in the chart on the right
If you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of of the Basic Allstate Benefit Group Accident Insurance or the $5000 level of the Allstate Benefits Group Critical Illness Insurance coverage
Voluntary Benefits (contrsquod)
Purple Plan Bronze Plan HDHPHSA Plan
Full cost of medical services $13270 $13270 $13270
Deductible you pay $350 $800 $1300
Copays you pay $340 $460 $0
Coinsurance you pay $1310 $1240 $1700
Accident benefits paid to you $0 $0 $6305
Account funding paid to you $0 $0 ($750)
Employee contributions you pay $1868 $1124 $631
Your total cost(savings) $3868 $3624 $3424
See page 19-20 for more information
Full Cost of Medical Services
Accident Insurance Reimbursement
Basic Plan Premier Plan
Ambulance (ground) $400 $100 $200
Non-ICU hospital admission (3 days confinement)
$3500 $1600 $3200
Fracture (tibia) $6000 $4000 $8000
Emergency room $1000 $100 $200
X-rays $170 $100 $200
Follow-up visits (2) $200 $100 $200
Physical therapy visits (4)
$400 $120 $240
MRICat Scan $1500 $50 $100
Appliance (crutches) $50 $125 $250
Medical supplies or medicine
$50 $10 $20
ToTAL $13270 $6305 $12610
How This Impacts Out-of-Pocket Costs
9
Bi-Weekly Accident Insurance Employee Deductions
EE ee + S EE + C Family
Basic $296 $512 $688 $842
Premier $592 $1024 $1376 $1682
Example
InfoArmor Identity Financial and Privacy Protection Program
PrivacyArmor is a proactive fraud detection and prevention including a fully-managed identity restoration for state-of-the art identity protection Features include
bull Identity and credit monitoring
bull Credit report each year and a score each month
bull Password management solution
bull Social media reputation monitoring
bull Digital wallet storage and monitoring
bull Full-Service Identity Restoration
bull $1000000 Identity Theft Insurance Policy
Bi-Weekly Cost
InfoArmor Identity Theft Protection
$459 per person$828 per family
See pages 21-22 for more information
ARAG Legal Insurance
MetLaw provides two options of legal services and representation from a qualified attorney at an affordable price Features include
bull Quick easy access to a nationwide network of11000 pre-qualified Plan Attorneys with an averageof 25 years of experience
bull You can choose a non-Plan Attorney and may bereimbursed through the ARAG plan
bull Low monthly cost for unlimited use of the plan
bull Premium is deducted from your paycheck noclaim forms
bull Spouse and children also have access to theplan benefits
Bi-Weekly Cost
ARAg Legal Insurance UltimateAdvisorreg Plus UltimateAdvisorreg
Family $1108 Family $715
See pages 23-24 for further services at each level
Voluntary Benefits (contrsquod)
10
The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
How Do I Enroll
11
Steps
1 Log into WorkDay
a Open the ldquoOpen Enrollmentrdquo task in your inbox
2 Review your current medical dental and vision elections You can find additional information about each plan by clicking on ldquoProvider Websiterdquo Make any changes to your current elections in the ldquoElectWaiverdquo column
3 To add dependentsa Choose the correct tier from the ldquoCoveragerdquo columnb In the ldquoEnroll Dependentsrdquo column click on ldquoCreaterdquo if you need
to add a dependent that is not already in the system For thosethat are already in the system you can select their name
c Add dependent and beneficiary information Complete all fieldsnoted with an asterisk
d The federal government (IRS) requires Bioventus collectand report valid Social Security Numbers for all dependentscovered under our plan Please be sure to include yourdependentsrsquo Social Security Numbers when you enroll
4 Please also take a moment to review and update your contact information emergency contact and add a photo of yourself These can be found under the ldquoAll About Merdquo tab then click on Personal Informationa When adding your phone number you must include the area
code which is in a separate field above the phone number fieldAlso a hyphen is required in the phone number after thethird digit
b Phone number and mailing address are mandatory for allemergency contacts
c To add a photo click on the down arrow next to your nameat the top of the screen Then click on ldquoPersonal Datardquo thenldquoChange My Photordquo Click ldquoBrowserdquo to locate your photo fileand then click ldquoUploadrdquo
1 Who do I contact at Aetna for questionsYou have access to Aetnarsquos Concierge line at 1-855-845-0572 Aetna representatives can provide you with information about the features and benefits of your coverage Please provide the Aetna representative with the following Bioventus account number 869900 This will help Aetna identify you as an Aetna customer
2 How can I find out if my current medical provider isin the Aetna networkLog onto wwwaetnacom and click on ldquoIndividuals amp Familiesrdquo in the upper left of the webpage Scroll half way down the page in the blue box (1) Click ldquoFind a doctor dentist facility or vision providerrdquo In the section noted ldquoThinking of getting an Aetna planrdquo (2) Click on ldquoFind doctors dentists and hospitals in our plansrdquo For the question ldquoWhat type of plan are you consideringrdquo (3) Click on ldquoA Plan Offered by My Employer or Organization (Includes small group plans purchased on exchange in Maryland Delaware and District of Columbia)rdquo Enter your search parameters You can either search by Provider Name Specialty Procedure or Condition and by Zip Code or City State
Then in the ldquoSelect a Planrdquo section - Under Aetna Open Access Plans select ldquoAetna Choice POS II (Open Access)rdquo then (4) Click rdquoContinuerdquo
3 How do I know what co-paytier applies to myprescription under the Aetna Pharmacy plan We encourage you to check the status of your Rx with Aetnarsquos Preferred Drug list Medication Search Tool which can be accessed at wwwaetnacom On the site under Find your drug information use the 2017 Three Tier Open Plans expand option and select ldquoSearch to see if a drug is coveredrdquo You can also contact Aetna by calling the phone numbers referenced in 1 above for assistance or from your current medical ID card
4 Do you have a Mail Order Pharmacy ProgramYes Aetnarsquos Rx Home Delivery is designed especially for individuals who take maintenance prescription medications In addition members have the option to pick up their maintenance medications that they normally have delivered at CVSpharmacy retail locations most convenient to them through the Maintenance Choice program To pick up at CVSpharmacy
bull Log in to wwwaetnanavigatorcom Click ldquoFind a DoctorPharmacy or Facilityrdquo to find a CVSpharmacy near you
bull For new orders ndash if you have a new prescription fora 90-day supply please ask the pharmacist to fill itYou can also call the toll-free number on your memberID card and Aetna will handle the rest
bull For refill orders ndash To refill an existing prescription bringyour current medicine to the pharmacist andask for a 90-day refill through the MaintenanceChoice program
5 Do certain prescriptions require prior authorizationYes there are certain medications that may require prior au-thorization from Aetna which are included in Aetnarsquos Nation-al Precertification List Participating providers are required to pursue precertification using the process explained at this link httpwwwaetnacomhealth-care- professionalsprecertificationprecertification-listshtml Please select the ldquo2016 Participating Provider Precertificationrdquo link to see the current list of prescriptions included This list is updated from time to time and the Drugs and Medical Injectables are currently listed under 14 on this most recent list This list is subject to change for 2017
You can also find out if your medication requires an authorization by calling Aetnarsquos concierge line at 1-855-845-0572
Frequently Asked Questions
12
CONTINUED
Frequently Asked Questions (contrsquod)
6 Does Aetna an employee self-service web-siteYes Aetna Navigator is a convenient and secure personalized on-line resource It contains easy-to-use interactive tools to help you manage your medical plan and provides access to a wealth of wellness information You can search for network physicians refill mail order prescriptions rank hospital quality standards compare medications take a health risk assessment and so much more You can register for Aetna Navigator at wwwaetnacom as of January 1st The registration process is easy and quick
bull Go to wwwaetnacom
bull Click on ldquoIndividuals amp Familiesrdquo in the upper left of thewebpage Click Log In Register
bull First-time users click Sign up nowrarr in the blue box
bull Follow the prompts one through five to complete yournavigator registration
bull Be careful when entering your name that you do not usenick names You must use the name that you noted onyour enrollment form as this is recognized in the Aetnaeligibility system
bull If you do not have your member ID you may registerusing your social security number
7 What should I do if I donrsquot have an ID card onJanuary 1stYou can print a temporary ID card from your Aetna Navigator home page once you register From your Aetna Navigator Home Page select ldquoGet an ID Cardrdquo on the left Click the ldquoView Cardrdquo button which will then display a copy of your card and it will provide you the option to View and Print the ID Card or Order a Replacement ID Card
bull Go to wwwaetnacom
bull Click Log on and enter your user ID and password
bull This will bring you to the home page of Your SecureWebsite
bull On the left hand side of the screen under I want toselect get an ID Card
bull Under Choose a Card click on View Card
bull Click ViewPrint ID Card
8 How do I file a Medical claim for reimbursement fornon-network servicesIf you see an out-of-network provider you are responsible for paying in full at the point of service and will need to file a claim to receive reimbursement Submit a completed medical claim form and itemized receipt or bill from the pro-vider to the address on the back of your ID card You can also call the Aetna Concierge number printed on the back of your ID card to assist with filing a claim and you may go to wwwaetnacom to download a claim form
Health Savings Account
9 Who is the administrator of the Health SavingsAccountsIf you elect coverage under the HDHPHSA your HSA account will be administered by PayFlex a selected partner for Aetna In order to be eligible to set up a new HSA account with Payflex you are required to be enrolled in the HDHPHSA
10 Are there charges associated with a HSANo There is no charge to Bioventus participants for HSA accounts that roll over from other HSAs to PayFlex
11 Can I leave my money with another HSAFinancial Institution You can leave your money with other HSA Accounts however if you select the HDHPHSA or HDHP as of January 1 2017 an HSA account with Payflex will automatically be opened for you If you do not select the HDHPHSA for 2017 your existing HSA balance will be converted to an individual account with the other provider
12 Can I invest my HSA money with PayFlexYes once you have an HSA balance of $1000 you can choose investments for those funds
CONTINUED
13
Frequently Asked Questions (contrsquod)
13 Are there fees associated with the HSAThe monthly maintenance fee charged by PayFlex are paid by Aetna as long as you are an active employee and enrolled in the HDHPHSA Additional fees that are charged for overdrafts paper statements investment fees etc are your responsibility and will not paid for by Bioventus
If in the future you leave the company or you are no longer enrolled in a qualified high deductible health plan such as the HDHPHSA offered by Bioventus your HSA will be converted to an individual account at PayFlex and you will become responsible for a monthly account fee of $400 (and any additional fees mentioned above) that will be automatically deducted from your account balance
14 What happens to my Payflex HSA if I do not enrollin the HDHPHSA in 2017 If you do not enroll in Bioventusrsquo HDHPHSA you will need to keep your existing HSA funds with Payflex Since it will become an individual account you will be charged a monthly fee for this Note that you cannot add to your HSA funds unless you are actively enrolled in a qualified HDHPHSA however you can still access your HSA funds to pay for eligible expenses
15 How can I access information about my PayFlexHSA Account Once your HSA account with PayFlex is open you can register through the Aetna Navigator for easy access to your HSA account funds
16 Can I access my HSA activity using the AetnaMobile App No The Aetna Mobile App only provides medical plan information To track your HSA activity you can download the PayFlex Mobile App at wwwpayflexcommobile-app
17 How do I contact the Voluntary Benefit providersfor additional information about what their plans cover and to answer questions that I may have
Benefit Contact
Allstate Benefits group Voluntary Critical Illness and Accident Coverage
wwwallstatebenefitscom 800-348-4489
ARAg Legal Insurance wwwARAGlegalcentercom Access code 18222bio 800-247-4184
InfoArmor Identity Financial and Privacy Protection Program
wwwmyPrivacyArmorcom 800-789-2720
Mercer Help Line 1-800-358-3792
14
For More Information
FoR MoRe INFoRMATIoN
If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom
Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom
TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion
15
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
Before you select the HDHPHSA there is more you should know
bull The HSA account will be opened and maintained byPayFlex a partner of Aetna
bull Once you accumulate $1000 in the HSA you can invest in mutual funds offered by PayFlex Account earnings aretax-free
bull Withdrawals from your HSA can be used for qualifiedmedical expenses (including certain dental and visionexpenses) Long Term Care coverage or COBRApremiums tax-free
bull If you are enrolled in a Health Care FSA and have anFSA account balance on 1117 you can establish anew HSA account but you are not able to fund theHSA account until the first of the month after theFSA run out period ends If this applies to you youmust avoid funding the HSA until after April 1 2017
bull If enrolled in the HDHPHSA for 2017 you are eligible to enroll in a Limited Health care Flexible Spending Accountfor dental and vision care expenses only
bull You cannot contribute to the HSA account for adependent child who is not claimed as a tax dependent
bull Any amounts used for purposes other than qualifiedmedical expenses are taxable as income and aresubject to an additional 20 tax penalty
There are a few ways to take HSA distributions and pay for qualified medical expenses
1 Use your HSA PayFlexreg debit card
2 Use your HSA debit card as an ATM card to payyourself back for out of pocket expenses
3 Make an online payment via wwwaetnanavigatorcom
4 Make payment by check from your HSAchecking account
It is always best to have your doctorrsquos office submit the claim through insurance so that you receive credit toward your annual deductible get the Aetna discounted rate and know exactly what to pay
More information on Health Savings Accounts (HSAs) is available at wwwpayflexcom
ATM and checking fees apply
MoRe ABouT HSAs
Why Do employers offer a High-Deductible Plan with an HSA
Almost 60 of employers in our industry now offer high-deductible health plans with an optional Health Savings Account in order to reduce employers plan costs and to provide employees with an additional retirement savings tool HSAs allow employees to
bull Access a lower cost plan option
bull Access the triple tax advantages of HSA savings
1 Contributions are made on a pre-tax basis
2 Account earnings are tax-free
3 Withdrawals for qualified medical expenses are tax-free
bull Control their personal health costs
bull Save for short term medical expenses
bull Saveinvest for long term medical and retirement
What Is This High-Deductible Health Plan (HDHPHSA) and How Does It Work (continued)
5
All employees are strongly encouraged to use tools available at wwwaetnacom to compare and model the options
If yoursquore a new employee you will need to register using your Social Security number employees who already participate in one or more of the plans can use their subscriber ID number Aetna provides an online tool that can help you compare the different types of plans available (It is not specific to Bioventusrsquo plans but will give you an idea)
When comparing your options remember to consider
bull Premium costs Compare what you will pay forcoverage and whether the cost will be taxableWill you qualify for Medicaid or for tax credits orsubsidies
bull Plan design Consider what you will likely pay outof pocket based on your own usage and the plandeductible coinsurance annual out-of-pocketmaximum copayments etc Also consider covereddrugs or excluded medical services
bull Provider network Review the provider networkWhat will it cost you to use a non-network provider
bull Your life Are you expecting any changes in your familyand who you will cover Are you considering marriagedivorce birth or adoption of a child or will yourdependent lose coverage due to the age limitation
bull Your health needs Do you expect upcomingmedical expenses or changes in your medicalcondition Are you or a family member diagnosedwith a chronic medical condition that requires on-goingregular visits or increased use of medicationsAre there any planned hospitalization pregnancysurgery etc
Take a look at the examples on the next page to see if there are any you can relate to
How Do I Choose the Best Plan for Me
MeDICAL INSuRANCe TeRMS AND DeFINITIoNS
Deductible ndash The amount plan participants must pay prior to the receipt of any benefits with the exception of those benefits payable as preventative and not subject to deductible
Co-pay ndash The amount a plan participant must pay at time of service after satisfying the deductible if applicable
Coinsurance ndash The percent of service charge the participant is subject to pay after satisfying the deductible
out-of-pocket maximum ndash The maximum dollar amount a participant will be subject to pay in any one plan year after which the plan pays 100
6
How Do I Choose the Best Plan for Me (continued)
example 1 ndash Healthy Hope is in good health and exercises 3-4 times per week She thinks she will use the new Teladoc services twice But she does not anticipate any major medical expenses in 2017
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $388 $0 $0 $80
Annual cost of single coverage (premium) $1868 $1124 $631
Annual Bioventus HSA contribution ($750 individual$1500 family) $0 $0 $750
Total cost to Hope (services + premiums) $1868 $1124 $631
HSA balance at year end to roll over to 2018 $0 $0 $670
example 2 ndash Not-so-careful Nick has a wife and two children They are generally in good health but they expect to have have a few unexpected trips to the ER and some minor illnesses in 2017
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $6505 $1634 $2148 $3324
Annual cost of family coverage (premiums) $5994 $4120 $3470
Annual Bioventus HSA contribution($750 individual$1500 family) $0 $0 $1500
Total cost to Nick (services + premiums) $7628 $6268 $5294HSA balance remaining at year end to roll over to 2018 $0 $0 $0
example 3 ndash Back Surgery Brenda has three grown children not on the plan but she does cover her husband She just scheduled a back surgery for early 2017 and is looking forward to being pain free and getting back to golf
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $25463 $3000 $4500 $6000
Annual cost of family coverage (premiums) $4359 $2996 $2524
Annual Bioventus HSA contribution($750 individual$1500 family) $0 $0 $1500
Total cost to Brenda(services + premiums) $7359 $7496 $7024
HSA balance remaining at year end to roll over to 2018 $0 $0 $0
7
Note Any benefits paid under the new voluntary insurance programs will reflect a further reduction in employee out-of-pocket expenses in each of the following examples
Announcing four new benefit programs for 2017 In an effort to offer the most meaningful benefits to meet the needs of our diverse workforce we are introducing new voluntary benefits These benefits offer added financial protection for a variety of lifersquos unexpected expenses As a Bioventus employee you have a unique opportunity to access these programs for free If you enroll in the Bioventus HDHPHSA during this Open Enrollment period Bioventus will cover the cost of one of the supplemental medical plans for 2017 You will have the choice of either the Allstate Benefits Group Critical Illness Insurance ($5000 Coverage Plan) or the Allstate Benefits Group Accident Insurance (Basic Insurance Plan) at no cost to you The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
Voluntary Benefits
8
Please review these valuable new options The first two are supplemental medical insurance products designed to provide additional protection or fill in the gaps in your health plan by paying for expenses you would normally pay out-of-pocket
If you do not enroll in the Bioventus HDHPHSA you can still access the new plans These voluntary benefits are available to any employee and any costs may be paid through the convenience of payroll deductions
AllstateBenefits(AB)isthemarketingnameusedbyAmericanHeritageLifeInsuranceCompany(HomeOfficeJacksonvilleFL) a subsidiary of The Allstate Corporation
group Critical Illness Insurance Benefits from Allstate
Allstate Benefits Group Voluntary Critical Illness Insurance a supplemental medical insurance product designed to pay a lump-sum benefit directly to the insured upon diagnosis of a covered critical illness like cancer stroke heart attack and organ transplant Benefits can be used to
bull Fill gaps in major medical insurance
bull Protect your assets
bull Provide funds to provide for caregivers special medicalequipment mortgage and other loans extra childcare costs daily living expenses or transportation
bull Pay for out-of-network medical andexperimental treatment
bull Replace your income during recuperation
Our plan covers up to $5000 per eligible illness if you enroll in the Bioventus HDHPHSA We pay the premium for you HDHPHSA participants may select the $10000 coverage option and pay the additional premium costs If you enroll your spouse or dependents they will be covered at up to 50 of your maximum benefit amount
Again if you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of the $5000 level of coverage for the Allstate Benefits Group Critical Illness Insurance or the Allstate Benefits Group Basic Voluntary Accident Insurance for you
See pages 17-18 for more information
Bi-Weekly Group Critical Illness Employee Deductions
$5k benefit amountAge EE ee+S EE+C Family18-24 $023 $035 $023 $035
25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113
$10k benefit amountAge EE ee+S EE+C Family18-24 $046 $069 $046 $069 25-29 $056 $083 $056 $083 30-34 $098 $148 $098 $148 35-39 $157 $235 $157 $235 40-44 $261 $392 $261 $392 45-49 $409 $614 $409 $614 50-54 $631 $946 $631 $946 55-59 $942 $1412 $942 $1412 60-64 $1422 $2132 $1422 $2132 65-69 $2113 $3171 $2113 $3171 70-74 $2744 $4117 $2744 $4117 75-79 $3277 $4915 $3277 $4915 80+ $4152 $6226 $4152 $6226
Allstate Benefits group Voluntary Accident Insurance
Accident insurance is another form of supplemental medical insurance It pays a lump-sum benefit directly to the insured for an accidental injury You have two benefit options Basic and Premier to choose from Benefits are paid when an accident causes fractures dislocations loss of limbs burns hospital and ambulance expenses accident-related disabilities or death Accident insurance will help you pay for
bull Hospitalemergency room care
bull Injuries requiring surgery
bull Ambulance fees
bull Physical therapy
bull Recovery income
bull Family lodging
Please see the example in the chart on the right
If you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of of the Basic Allstate Benefit Group Accident Insurance or the $5000 level of the Allstate Benefits Group Critical Illness Insurance coverage
Voluntary Benefits (contrsquod)
Purple Plan Bronze Plan HDHPHSA Plan
Full cost of medical services $13270 $13270 $13270
Deductible you pay $350 $800 $1300
Copays you pay $340 $460 $0
Coinsurance you pay $1310 $1240 $1700
Accident benefits paid to you $0 $0 $6305
Account funding paid to you $0 $0 ($750)
Employee contributions you pay $1868 $1124 $631
Your total cost(savings) $3868 $3624 $3424
See page 19-20 for more information
Full Cost of Medical Services
Accident Insurance Reimbursement
Basic Plan Premier Plan
Ambulance (ground) $400 $100 $200
Non-ICU hospital admission (3 days confinement)
$3500 $1600 $3200
Fracture (tibia) $6000 $4000 $8000
Emergency room $1000 $100 $200
X-rays $170 $100 $200
Follow-up visits (2) $200 $100 $200
Physical therapy visits (4)
$400 $120 $240
MRICat Scan $1500 $50 $100
Appliance (crutches) $50 $125 $250
Medical supplies or medicine
$50 $10 $20
ToTAL $13270 $6305 $12610
How This Impacts Out-of-Pocket Costs
9
Bi-Weekly Accident Insurance Employee Deductions
EE ee + S EE + C Family
Basic $296 $512 $688 $842
Premier $592 $1024 $1376 $1682
Example
InfoArmor Identity Financial and Privacy Protection Program
PrivacyArmor is a proactive fraud detection and prevention including a fully-managed identity restoration for state-of-the art identity protection Features include
bull Identity and credit monitoring
bull Credit report each year and a score each month
bull Password management solution
bull Social media reputation monitoring
bull Digital wallet storage and monitoring
bull Full-Service Identity Restoration
bull $1000000 Identity Theft Insurance Policy
Bi-Weekly Cost
InfoArmor Identity Theft Protection
$459 per person$828 per family
See pages 21-22 for more information
ARAG Legal Insurance
MetLaw provides two options of legal services and representation from a qualified attorney at an affordable price Features include
bull Quick easy access to a nationwide network of11000 pre-qualified Plan Attorneys with an averageof 25 years of experience
bull You can choose a non-Plan Attorney and may bereimbursed through the ARAG plan
bull Low monthly cost for unlimited use of the plan
bull Premium is deducted from your paycheck noclaim forms
bull Spouse and children also have access to theplan benefits
Bi-Weekly Cost
ARAg Legal Insurance UltimateAdvisorreg Plus UltimateAdvisorreg
Family $1108 Family $715
See pages 23-24 for further services at each level
Voluntary Benefits (contrsquod)
10
The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
How Do I Enroll
11
Steps
1 Log into WorkDay
a Open the ldquoOpen Enrollmentrdquo task in your inbox
2 Review your current medical dental and vision elections You can find additional information about each plan by clicking on ldquoProvider Websiterdquo Make any changes to your current elections in the ldquoElectWaiverdquo column
3 To add dependentsa Choose the correct tier from the ldquoCoveragerdquo columnb In the ldquoEnroll Dependentsrdquo column click on ldquoCreaterdquo if you need
to add a dependent that is not already in the system For thosethat are already in the system you can select their name
c Add dependent and beneficiary information Complete all fieldsnoted with an asterisk
d The federal government (IRS) requires Bioventus collectand report valid Social Security Numbers for all dependentscovered under our plan Please be sure to include yourdependentsrsquo Social Security Numbers when you enroll
4 Please also take a moment to review and update your contact information emergency contact and add a photo of yourself These can be found under the ldquoAll About Merdquo tab then click on Personal Informationa When adding your phone number you must include the area
code which is in a separate field above the phone number fieldAlso a hyphen is required in the phone number after thethird digit
b Phone number and mailing address are mandatory for allemergency contacts
c To add a photo click on the down arrow next to your nameat the top of the screen Then click on ldquoPersonal Datardquo thenldquoChange My Photordquo Click ldquoBrowserdquo to locate your photo fileand then click ldquoUploadrdquo
1 Who do I contact at Aetna for questionsYou have access to Aetnarsquos Concierge line at 1-855-845-0572 Aetna representatives can provide you with information about the features and benefits of your coverage Please provide the Aetna representative with the following Bioventus account number 869900 This will help Aetna identify you as an Aetna customer
2 How can I find out if my current medical provider isin the Aetna networkLog onto wwwaetnacom and click on ldquoIndividuals amp Familiesrdquo in the upper left of the webpage Scroll half way down the page in the blue box (1) Click ldquoFind a doctor dentist facility or vision providerrdquo In the section noted ldquoThinking of getting an Aetna planrdquo (2) Click on ldquoFind doctors dentists and hospitals in our plansrdquo For the question ldquoWhat type of plan are you consideringrdquo (3) Click on ldquoA Plan Offered by My Employer or Organization (Includes small group plans purchased on exchange in Maryland Delaware and District of Columbia)rdquo Enter your search parameters You can either search by Provider Name Specialty Procedure or Condition and by Zip Code or City State
Then in the ldquoSelect a Planrdquo section - Under Aetna Open Access Plans select ldquoAetna Choice POS II (Open Access)rdquo then (4) Click rdquoContinuerdquo
3 How do I know what co-paytier applies to myprescription under the Aetna Pharmacy plan We encourage you to check the status of your Rx with Aetnarsquos Preferred Drug list Medication Search Tool which can be accessed at wwwaetnacom On the site under Find your drug information use the 2017 Three Tier Open Plans expand option and select ldquoSearch to see if a drug is coveredrdquo You can also contact Aetna by calling the phone numbers referenced in 1 above for assistance or from your current medical ID card
4 Do you have a Mail Order Pharmacy ProgramYes Aetnarsquos Rx Home Delivery is designed especially for individuals who take maintenance prescription medications In addition members have the option to pick up their maintenance medications that they normally have delivered at CVSpharmacy retail locations most convenient to them through the Maintenance Choice program To pick up at CVSpharmacy
bull Log in to wwwaetnanavigatorcom Click ldquoFind a DoctorPharmacy or Facilityrdquo to find a CVSpharmacy near you
bull For new orders ndash if you have a new prescription fora 90-day supply please ask the pharmacist to fill itYou can also call the toll-free number on your memberID card and Aetna will handle the rest
bull For refill orders ndash To refill an existing prescription bringyour current medicine to the pharmacist andask for a 90-day refill through the MaintenanceChoice program
5 Do certain prescriptions require prior authorizationYes there are certain medications that may require prior au-thorization from Aetna which are included in Aetnarsquos Nation-al Precertification List Participating providers are required to pursue precertification using the process explained at this link httpwwwaetnacomhealth-care- professionalsprecertificationprecertification-listshtml Please select the ldquo2016 Participating Provider Precertificationrdquo link to see the current list of prescriptions included This list is updated from time to time and the Drugs and Medical Injectables are currently listed under 14 on this most recent list This list is subject to change for 2017
You can also find out if your medication requires an authorization by calling Aetnarsquos concierge line at 1-855-845-0572
Frequently Asked Questions
12
CONTINUED
Frequently Asked Questions (contrsquod)
6 Does Aetna an employee self-service web-siteYes Aetna Navigator is a convenient and secure personalized on-line resource It contains easy-to-use interactive tools to help you manage your medical plan and provides access to a wealth of wellness information You can search for network physicians refill mail order prescriptions rank hospital quality standards compare medications take a health risk assessment and so much more You can register for Aetna Navigator at wwwaetnacom as of January 1st The registration process is easy and quick
bull Go to wwwaetnacom
bull Click on ldquoIndividuals amp Familiesrdquo in the upper left of thewebpage Click Log In Register
bull First-time users click Sign up nowrarr in the blue box
bull Follow the prompts one through five to complete yournavigator registration
bull Be careful when entering your name that you do not usenick names You must use the name that you noted onyour enrollment form as this is recognized in the Aetnaeligibility system
bull If you do not have your member ID you may registerusing your social security number
7 What should I do if I donrsquot have an ID card onJanuary 1stYou can print a temporary ID card from your Aetna Navigator home page once you register From your Aetna Navigator Home Page select ldquoGet an ID Cardrdquo on the left Click the ldquoView Cardrdquo button which will then display a copy of your card and it will provide you the option to View and Print the ID Card or Order a Replacement ID Card
bull Go to wwwaetnacom
bull Click Log on and enter your user ID and password
bull This will bring you to the home page of Your SecureWebsite
bull On the left hand side of the screen under I want toselect get an ID Card
bull Under Choose a Card click on View Card
bull Click ViewPrint ID Card
8 How do I file a Medical claim for reimbursement fornon-network servicesIf you see an out-of-network provider you are responsible for paying in full at the point of service and will need to file a claim to receive reimbursement Submit a completed medical claim form and itemized receipt or bill from the pro-vider to the address on the back of your ID card You can also call the Aetna Concierge number printed on the back of your ID card to assist with filing a claim and you may go to wwwaetnacom to download a claim form
Health Savings Account
9 Who is the administrator of the Health SavingsAccountsIf you elect coverage under the HDHPHSA your HSA account will be administered by PayFlex a selected partner for Aetna In order to be eligible to set up a new HSA account with Payflex you are required to be enrolled in the HDHPHSA
10 Are there charges associated with a HSANo There is no charge to Bioventus participants for HSA accounts that roll over from other HSAs to PayFlex
11 Can I leave my money with another HSAFinancial Institution You can leave your money with other HSA Accounts however if you select the HDHPHSA or HDHP as of January 1 2017 an HSA account with Payflex will automatically be opened for you If you do not select the HDHPHSA for 2017 your existing HSA balance will be converted to an individual account with the other provider
12 Can I invest my HSA money with PayFlexYes once you have an HSA balance of $1000 you can choose investments for those funds
CONTINUED
13
Frequently Asked Questions (contrsquod)
13 Are there fees associated with the HSAThe monthly maintenance fee charged by PayFlex are paid by Aetna as long as you are an active employee and enrolled in the HDHPHSA Additional fees that are charged for overdrafts paper statements investment fees etc are your responsibility and will not paid for by Bioventus
If in the future you leave the company or you are no longer enrolled in a qualified high deductible health plan such as the HDHPHSA offered by Bioventus your HSA will be converted to an individual account at PayFlex and you will become responsible for a monthly account fee of $400 (and any additional fees mentioned above) that will be automatically deducted from your account balance
14 What happens to my Payflex HSA if I do not enrollin the HDHPHSA in 2017 If you do not enroll in Bioventusrsquo HDHPHSA you will need to keep your existing HSA funds with Payflex Since it will become an individual account you will be charged a monthly fee for this Note that you cannot add to your HSA funds unless you are actively enrolled in a qualified HDHPHSA however you can still access your HSA funds to pay for eligible expenses
15 How can I access information about my PayFlexHSA Account Once your HSA account with PayFlex is open you can register through the Aetna Navigator for easy access to your HSA account funds
16 Can I access my HSA activity using the AetnaMobile App No The Aetna Mobile App only provides medical plan information To track your HSA activity you can download the PayFlex Mobile App at wwwpayflexcommobile-app
17 How do I contact the Voluntary Benefit providersfor additional information about what their plans cover and to answer questions that I may have
Benefit Contact
Allstate Benefits group Voluntary Critical Illness and Accident Coverage
wwwallstatebenefitscom 800-348-4489
ARAg Legal Insurance wwwARAGlegalcentercom Access code 18222bio 800-247-4184
InfoArmor Identity Financial and Privacy Protection Program
wwwmyPrivacyArmorcom 800-789-2720
Mercer Help Line 1-800-358-3792
14
For More Information
FoR MoRe INFoRMATIoN
If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom
Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom
TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion
15
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
All employees are strongly encouraged to use tools available at wwwaetnacom to compare and model the options
If yoursquore a new employee you will need to register using your Social Security number employees who already participate in one or more of the plans can use their subscriber ID number Aetna provides an online tool that can help you compare the different types of plans available (It is not specific to Bioventusrsquo plans but will give you an idea)
When comparing your options remember to consider
bull Premium costs Compare what you will pay forcoverage and whether the cost will be taxableWill you qualify for Medicaid or for tax credits orsubsidies
bull Plan design Consider what you will likely pay outof pocket based on your own usage and the plandeductible coinsurance annual out-of-pocketmaximum copayments etc Also consider covereddrugs or excluded medical services
bull Provider network Review the provider networkWhat will it cost you to use a non-network provider
bull Your life Are you expecting any changes in your familyand who you will cover Are you considering marriagedivorce birth or adoption of a child or will yourdependent lose coverage due to the age limitation
bull Your health needs Do you expect upcomingmedical expenses or changes in your medicalcondition Are you or a family member diagnosedwith a chronic medical condition that requires on-goingregular visits or increased use of medicationsAre there any planned hospitalization pregnancysurgery etc
Take a look at the examples on the next page to see if there are any you can relate to
How Do I Choose the Best Plan for Me
MeDICAL INSuRANCe TeRMS AND DeFINITIoNS
Deductible ndash The amount plan participants must pay prior to the receipt of any benefits with the exception of those benefits payable as preventative and not subject to deductible
Co-pay ndash The amount a plan participant must pay at time of service after satisfying the deductible if applicable
Coinsurance ndash The percent of service charge the participant is subject to pay after satisfying the deductible
out-of-pocket maximum ndash The maximum dollar amount a participant will be subject to pay in any one plan year after which the plan pays 100
6
How Do I Choose the Best Plan for Me (continued)
example 1 ndash Healthy Hope is in good health and exercises 3-4 times per week She thinks she will use the new Teladoc services twice But she does not anticipate any major medical expenses in 2017
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $388 $0 $0 $80
Annual cost of single coverage (premium) $1868 $1124 $631
Annual Bioventus HSA contribution ($750 individual$1500 family) $0 $0 $750
Total cost to Hope (services + premiums) $1868 $1124 $631
HSA balance at year end to roll over to 2018 $0 $0 $670
example 2 ndash Not-so-careful Nick has a wife and two children They are generally in good health but they expect to have have a few unexpected trips to the ER and some minor illnesses in 2017
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $6505 $1634 $2148 $3324
Annual cost of family coverage (premiums) $5994 $4120 $3470
Annual Bioventus HSA contribution($750 individual$1500 family) $0 $0 $1500
Total cost to Nick (services + premiums) $7628 $6268 $5294HSA balance remaining at year end to roll over to 2018 $0 $0 $0
example 3 ndash Back Surgery Brenda has three grown children not on the plan but she does cover her husband She just scheduled a back surgery for early 2017 and is looking forward to being pain free and getting back to golf
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $25463 $3000 $4500 $6000
Annual cost of family coverage (premiums) $4359 $2996 $2524
Annual Bioventus HSA contribution($750 individual$1500 family) $0 $0 $1500
Total cost to Brenda(services + premiums) $7359 $7496 $7024
HSA balance remaining at year end to roll over to 2018 $0 $0 $0
7
Note Any benefits paid under the new voluntary insurance programs will reflect a further reduction in employee out-of-pocket expenses in each of the following examples
Announcing four new benefit programs for 2017 In an effort to offer the most meaningful benefits to meet the needs of our diverse workforce we are introducing new voluntary benefits These benefits offer added financial protection for a variety of lifersquos unexpected expenses As a Bioventus employee you have a unique opportunity to access these programs for free If you enroll in the Bioventus HDHPHSA during this Open Enrollment period Bioventus will cover the cost of one of the supplemental medical plans for 2017 You will have the choice of either the Allstate Benefits Group Critical Illness Insurance ($5000 Coverage Plan) or the Allstate Benefits Group Accident Insurance (Basic Insurance Plan) at no cost to you The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
Voluntary Benefits
8
Please review these valuable new options The first two are supplemental medical insurance products designed to provide additional protection or fill in the gaps in your health plan by paying for expenses you would normally pay out-of-pocket
If you do not enroll in the Bioventus HDHPHSA you can still access the new plans These voluntary benefits are available to any employee and any costs may be paid through the convenience of payroll deductions
AllstateBenefits(AB)isthemarketingnameusedbyAmericanHeritageLifeInsuranceCompany(HomeOfficeJacksonvilleFL) a subsidiary of The Allstate Corporation
group Critical Illness Insurance Benefits from Allstate
Allstate Benefits Group Voluntary Critical Illness Insurance a supplemental medical insurance product designed to pay a lump-sum benefit directly to the insured upon diagnosis of a covered critical illness like cancer stroke heart attack and organ transplant Benefits can be used to
bull Fill gaps in major medical insurance
bull Protect your assets
bull Provide funds to provide for caregivers special medicalequipment mortgage and other loans extra childcare costs daily living expenses or transportation
bull Pay for out-of-network medical andexperimental treatment
bull Replace your income during recuperation
Our plan covers up to $5000 per eligible illness if you enroll in the Bioventus HDHPHSA We pay the premium for you HDHPHSA participants may select the $10000 coverage option and pay the additional premium costs If you enroll your spouse or dependents they will be covered at up to 50 of your maximum benefit amount
Again if you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of the $5000 level of coverage for the Allstate Benefits Group Critical Illness Insurance or the Allstate Benefits Group Basic Voluntary Accident Insurance for you
See pages 17-18 for more information
Bi-Weekly Group Critical Illness Employee Deductions
$5k benefit amountAge EE ee+S EE+C Family18-24 $023 $035 $023 $035
25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113
$10k benefit amountAge EE ee+S EE+C Family18-24 $046 $069 $046 $069 25-29 $056 $083 $056 $083 30-34 $098 $148 $098 $148 35-39 $157 $235 $157 $235 40-44 $261 $392 $261 $392 45-49 $409 $614 $409 $614 50-54 $631 $946 $631 $946 55-59 $942 $1412 $942 $1412 60-64 $1422 $2132 $1422 $2132 65-69 $2113 $3171 $2113 $3171 70-74 $2744 $4117 $2744 $4117 75-79 $3277 $4915 $3277 $4915 80+ $4152 $6226 $4152 $6226
Allstate Benefits group Voluntary Accident Insurance
Accident insurance is another form of supplemental medical insurance It pays a lump-sum benefit directly to the insured for an accidental injury You have two benefit options Basic and Premier to choose from Benefits are paid when an accident causes fractures dislocations loss of limbs burns hospital and ambulance expenses accident-related disabilities or death Accident insurance will help you pay for
bull Hospitalemergency room care
bull Injuries requiring surgery
bull Ambulance fees
bull Physical therapy
bull Recovery income
bull Family lodging
Please see the example in the chart on the right
If you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of of the Basic Allstate Benefit Group Accident Insurance or the $5000 level of the Allstate Benefits Group Critical Illness Insurance coverage
Voluntary Benefits (contrsquod)
Purple Plan Bronze Plan HDHPHSA Plan
Full cost of medical services $13270 $13270 $13270
Deductible you pay $350 $800 $1300
Copays you pay $340 $460 $0
Coinsurance you pay $1310 $1240 $1700
Accident benefits paid to you $0 $0 $6305
Account funding paid to you $0 $0 ($750)
Employee contributions you pay $1868 $1124 $631
Your total cost(savings) $3868 $3624 $3424
See page 19-20 for more information
Full Cost of Medical Services
Accident Insurance Reimbursement
Basic Plan Premier Plan
Ambulance (ground) $400 $100 $200
Non-ICU hospital admission (3 days confinement)
$3500 $1600 $3200
Fracture (tibia) $6000 $4000 $8000
Emergency room $1000 $100 $200
X-rays $170 $100 $200
Follow-up visits (2) $200 $100 $200
Physical therapy visits (4)
$400 $120 $240
MRICat Scan $1500 $50 $100
Appliance (crutches) $50 $125 $250
Medical supplies or medicine
$50 $10 $20
ToTAL $13270 $6305 $12610
How This Impacts Out-of-Pocket Costs
9
Bi-Weekly Accident Insurance Employee Deductions
EE ee + S EE + C Family
Basic $296 $512 $688 $842
Premier $592 $1024 $1376 $1682
Example
InfoArmor Identity Financial and Privacy Protection Program
PrivacyArmor is a proactive fraud detection and prevention including a fully-managed identity restoration for state-of-the art identity protection Features include
bull Identity and credit monitoring
bull Credit report each year and a score each month
bull Password management solution
bull Social media reputation monitoring
bull Digital wallet storage and monitoring
bull Full-Service Identity Restoration
bull $1000000 Identity Theft Insurance Policy
Bi-Weekly Cost
InfoArmor Identity Theft Protection
$459 per person$828 per family
See pages 21-22 for more information
ARAG Legal Insurance
MetLaw provides two options of legal services and representation from a qualified attorney at an affordable price Features include
bull Quick easy access to a nationwide network of11000 pre-qualified Plan Attorneys with an averageof 25 years of experience
bull You can choose a non-Plan Attorney and may bereimbursed through the ARAG plan
bull Low monthly cost for unlimited use of the plan
bull Premium is deducted from your paycheck noclaim forms
bull Spouse and children also have access to theplan benefits
Bi-Weekly Cost
ARAg Legal Insurance UltimateAdvisorreg Plus UltimateAdvisorreg
Family $1108 Family $715
See pages 23-24 for further services at each level
Voluntary Benefits (contrsquod)
10
The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
How Do I Enroll
11
Steps
1 Log into WorkDay
a Open the ldquoOpen Enrollmentrdquo task in your inbox
2 Review your current medical dental and vision elections You can find additional information about each plan by clicking on ldquoProvider Websiterdquo Make any changes to your current elections in the ldquoElectWaiverdquo column
3 To add dependentsa Choose the correct tier from the ldquoCoveragerdquo columnb In the ldquoEnroll Dependentsrdquo column click on ldquoCreaterdquo if you need
to add a dependent that is not already in the system For thosethat are already in the system you can select their name
c Add dependent and beneficiary information Complete all fieldsnoted with an asterisk
d The federal government (IRS) requires Bioventus collectand report valid Social Security Numbers for all dependentscovered under our plan Please be sure to include yourdependentsrsquo Social Security Numbers when you enroll
4 Please also take a moment to review and update your contact information emergency contact and add a photo of yourself These can be found under the ldquoAll About Merdquo tab then click on Personal Informationa When adding your phone number you must include the area
code which is in a separate field above the phone number fieldAlso a hyphen is required in the phone number after thethird digit
b Phone number and mailing address are mandatory for allemergency contacts
c To add a photo click on the down arrow next to your nameat the top of the screen Then click on ldquoPersonal Datardquo thenldquoChange My Photordquo Click ldquoBrowserdquo to locate your photo fileand then click ldquoUploadrdquo
1 Who do I contact at Aetna for questionsYou have access to Aetnarsquos Concierge line at 1-855-845-0572 Aetna representatives can provide you with information about the features and benefits of your coverage Please provide the Aetna representative with the following Bioventus account number 869900 This will help Aetna identify you as an Aetna customer
2 How can I find out if my current medical provider isin the Aetna networkLog onto wwwaetnacom and click on ldquoIndividuals amp Familiesrdquo in the upper left of the webpage Scroll half way down the page in the blue box (1) Click ldquoFind a doctor dentist facility or vision providerrdquo In the section noted ldquoThinking of getting an Aetna planrdquo (2) Click on ldquoFind doctors dentists and hospitals in our plansrdquo For the question ldquoWhat type of plan are you consideringrdquo (3) Click on ldquoA Plan Offered by My Employer or Organization (Includes small group plans purchased on exchange in Maryland Delaware and District of Columbia)rdquo Enter your search parameters You can either search by Provider Name Specialty Procedure or Condition and by Zip Code or City State
Then in the ldquoSelect a Planrdquo section - Under Aetna Open Access Plans select ldquoAetna Choice POS II (Open Access)rdquo then (4) Click rdquoContinuerdquo
3 How do I know what co-paytier applies to myprescription under the Aetna Pharmacy plan We encourage you to check the status of your Rx with Aetnarsquos Preferred Drug list Medication Search Tool which can be accessed at wwwaetnacom On the site under Find your drug information use the 2017 Three Tier Open Plans expand option and select ldquoSearch to see if a drug is coveredrdquo You can also contact Aetna by calling the phone numbers referenced in 1 above for assistance or from your current medical ID card
4 Do you have a Mail Order Pharmacy ProgramYes Aetnarsquos Rx Home Delivery is designed especially for individuals who take maintenance prescription medications In addition members have the option to pick up their maintenance medications that they normally have delivered at CVSpharmacy retail locations most convenient to them through the Maintenance Choice program To pick up at CVSpharmacy
bull Log in to wwwaetnanavigatorcom Click ldquoFind a DoctorPharmacy or Facilityrdquo to find a CVSpharmacy near you
bull For new orders ndash if you have a new prescription fora 90-day supply please ask the pharmacist to fill itYou can also call the toll-free number on your memberID card and Aetna will handle the rest
bull For refill orders ndash To refill an existing prescription bringyour current medicine to the pharmacist andask for a 90-day refill through the MaintenanceChoice program
5 Do certain prescriptions require prior authorizationYes there are certain medications that may require prior au-thorization from Aetna which are included in Aetnarsquos Nation-al Precertification List Participating providers are required to pursue precertification using the process explained at this link httpwwwaetnacomhealth-care- professionalsprecertificationprecertification-listshtml Please select the ldquo2016 Participating Provider Precertificationrdquo link to see the current list of prescriptions included This list is updated from time to time and the Drugs and Medical Injectables are currently listed under 14 on this most recent list This list is subject to change for 2017
You can also find out if your medication requires an authorization by calling Aetnarsquos concierge line at 1-855-845-0572
Frequently Asked Questions
12
CONTINUED
Frequently Asked Questions (contrsquod)
6 Does Aetna an employee self-service web-siteYes Aetna Navigator is a convenient and secure personalized on-line resource It contains easy-to-use interactive tools to help you manage your medical plan and provides access to a wealth of wellness information You can search for network physicians refill mail order prescriptions rank hospital quality standards compare medications take a health risk assessment and so much more You can register for Aetna Navigator at wwwaetnacom as of January 1st The registration process is easy and quick
bull Go to wwwaetnacom
bull Click on ldquoIndividuals amp Familiesrdquo in the upper left of thewebpage Click Log In Register
bull First-time users click Sign up nowrarr in the blue box
bull Follow the prompts one through five to complete yournavigator registration
bull Be careful when entering your name that you do not usenick names You must use the name that you noted onyour enrollment form as this is recognized in the Aetnaeligibility system
bull If you do not have your member ID you may registerusing your social security number
7 What should I do if I donrsquot have an ID card onJanuary 1stYou can print a temporary ID card from your Aetna Navigator home page once you register From your Aetna Navigator Home Page select ldquoGet an ID Cardrdquo on the left Click the ldquoView Cardrdquo button which will then display a copy of your card and it will provide you the option to View and Print the ID Card or Order a Replacement ID Card
bull Go to wwwaetnacom
bull Click Log on and enter your user ID and password
bull This will bring you to the home page of Your SecureWebsite
bull On the left hand side of the screen under I want toselect get an ID Card
bull Under Choose a Card click on View Card
bull Click ViewPrint ID Card
8 How do I file a Medical claim for reimbursement fornon-network servicesIf you see an out-of-network provider you are responsible for paying in full at the point of service and will need to file a claim to receive reimbursement Submit a completed medical claim form and itemized receipt or bill from the pro-vider to the address on the back of your ID card You can also call the Aetna Concierge number printed on the back of your ID card to assist with filing a claim and you may go to wwwaetnacom to download a claim form
Health Savings Account
9 Who is the administrator of the Health SavingsAccountsIf you elect coverage under the HDHPHSA your HSA account will be administered by PayFlex a selected partner for Aetna In order to be eligible to set up a new HSA account with Payflex you are required to be enrolled in the HDHPHSA
10 Are there charges associated with a HSANo There is no charge to Bioventus participants for HSA accounts that roll over from other HSAs to PayFlex
11 Can I leave my money with another HSAFinancial Institution You can leave your money with other HSA Accounts however if you select the HDHPHSA or HDHP as of January 1 2017 an HSA account with Payflex will automatically be opened for you If you do not select the HDHPHSA for 2017 your existing HSA balance will be converted to an individual account with the other provider
12 Can I invest my HSA money with PayFlexYes once you have an HSA balance of $1000 you can choose investments for those funds
CONTINUED
13
Frequently Asked Questions (contrsquod)
13 Are there fees associated with the HSAThe monthly maintenance fee charged by PayFlex are paid by Aetna as long as you are an active employee and enrolled in the HDHPHSA Additional fees that are charged for overdrafts paper statements investment fees etc are your responsibility and will not paid for by Bioventus
If in the future you leave the company or you are no longer enrolled in a qualified high deductible health plan such as the HDHPHSA offered by Bioventus your HSA will be converted to an individual account at PayFlex and you will become responsible for a monthly account fee of $400 (and any additional fees mentioned above) that will be automatically deducted from your account balance
14 What happens to my Payflex HSA if I do not enrollin the HDHPHSA in 2017 If you do not enroll in Bioventusrsquo HDHPHSA you will need to keep your existing HSA funds with Payflex Since it will become an individual account you will be charged a monthly fee for this Note that you cannot add to your HSA funds unless you are actively enrolled in a qualified HDHPHSA however you can still access your HSA funds to pay for eligible expenses
15 How can I access information about my PayFlexHSA Account Once your HSA account with PayFlex is open you can register through the Aetna Navigator for easy access to your HSA account funds
16 Can I access my HSA activity using the AetnaMobile App No The Aetna Mobile App only provides medical plan information To track your HSA activity you can download the PayFlex Mobile App at wwwpayflexcommobile-app
17 How do I contact the Voluntary Benefit providersfor additional information about what their plans cover and to answer questions that I may have
Benefit Contact
Allstate Benefits group Voluntary Critical Illness and Accident Coverage
wwwallstatebenefitscom 800-348-4489
ARAg Legal Insurance wwwARAGlegalcentercom Access code 18222bio 800-247-4184
InfoArmor Identity Financial and Privacy Protection Program
wwwmyPrivacyArmorcom 800-789-2720
Mercer Help Line 1-800-358-3792
14
For More Information
FoR MoRe INFoRMATIoN
If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom
Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom
TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion
15
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
How Do I Choose the Best Plan for Me (continued)
example 1 ndash Healthy Hope is in good health and exercises 3-4 times per week She thinks she will use the new Teladoc services twice But she does not anticipate any major medical expenses in 2017
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $388 $0 $0 $80
Annual cost of single coverage (premium) $1868 $1124 $631
Annual Bioventus HSA contribution ($750 individual$1500 family) $0 $0 $750
Total cost to Hope (services + premiums) $1868 $1124 $631
HSA balance at year end to roll over to 2018 $0 $0 $670
example 2 ndash Not-so-careful Nick has a wife and two children They are generally in good health but they expect to have have a few unexpected trips to the ER and some minor illnesses in 2017
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $6505 $1634 $2148 $3324
Annual cost of family coverage (premiums) $5994 $4120 $3470
Annual Bioventus HSA contribution($750 individual$1500 family) $0 $0 $1500
Total cost to Nick (services + premiums) $7628 $6268 $5294HSA balance remaining at year end to roll over to 2018 $0 $0 $0
example 3 ndash Back Surgery Brenda has three grown children not on the plan but she does cover her husband She just scheduled a back surgery for early 2017 and is looking forward to being pain free and getting back to golf
Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan
Total out-of-pocket cost (services) $25463 $3000 $4500 $6000
Annual cost of family coverage (premiums) $4359 $2996 $2524
Annual Bioventus HSA contribution($750 individual$1500 family) $0 $0 $1500
Total cost to Brenda(services + premiums) $7359 $7496 $7024
HSA balance remaining at year end to roll over to 2018 $0 $0 $0
7
Note Any benefits paid under the new voluntary insurance programs will reflect a further reduction in employee out-of-pocket expenses in each of the following examples
Announcing four new benefit programs for 2017 In an effort to offer the most meaningful benefits to meet the needs of our diverse workforce we are introducing new voluntary benefits These benefits offer added financial protection for a variety of lifersquos unexpected expenses As a Bioventus employee you have a unique opportunity to access these programs for free If you enroll in the Bioventus HDHPHSA during this Open Enrollment period Bioventus will cover the cost of one of the supplemental medical plans for 2017 You will have the choice of either the Allstate Benefits Group Critical Illness Insurance ($5000 Coverage Plan) or the Allstate Benefits Group Accident Insurance (Basic Insurance Plan) at no cost to you The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
Voluntary Benefits
8
Please review these valuable new options The first two are supplemental medical insurance products designed to provide additional protection or fill in the gaps in your health plan by paying for expenses you would normally pay out-of-pocket
If you do not enroll in the Bioventus HDHPHSA you can still access the new plans These voluntary benefits are available to any employee and any costs may be paid through the convenience of payroll deductions
AllstateBenefits(AB)isthemarketingnameusedbyAmericanHeritageLifeInsuranceCompany(HomeOfficeJacksonvilleFL) a subsidiary of The Allstate Corporation
group Critical Illness Insurance Benefits from Allstate
Allstate Benefits Group Voluntary Critical Illness Insurance a supplemental medical insurance product designed to pay a lump-sum benefit directly to the insured upon diagnosis of a covered critical illness like cancer stroke heart attack and organ transplant Benefits can be used to
bull Fill gaps in major medical insurance
bull Protect your assets
bull Provide funds to provide for caregivers special medicalequipment mortgage and other loans extra childcare costs daily living expenses or transportation
bull Pay for out-of-network medical andexperimental treatment
bull Replace your income during recuperation
Our plan covers up to $5000 per eligible illness if you enroll in the Bioventus HDHPHSA We pay the premium for you HDHPHSA participants may select the $10000 coverage option and pay the additional premium costs If you enroll your spouse or dependents they will be covered at up to 50 of your maximum benefit amount
Again if you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of the $5000 level of coverage for the Allstate Benefits Group Critical Illness Insurance or the Allstate Benefits Group Basic Voluntary Accident Insurance for you
See pages 17-18 for more information
Bi-Weekly Group Critical Illness Employee Deductions
$5k benefit amountAge EE ee+S EE+C Family18-24 $023 $035 $023 $035
25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113
$10k benefit amountAge EE ee+S EE+C Family18-24 $046 $069 $046 $069 25-29 $056 $083 $056 $083 30-34 $098 $148 $098 $148 35-39 $157 $235 $157 $235 40-44 $261 $392 $261 $392 45-49 $409 $614 $409 $614 50-54 $631 $946 $631 $946 55-59 $942 $1412 $942 $1412 60-64 $1422 $2132 $1422 $2132 65-69 $2113 $3171 $2113 $3171 70-74 $2744 $4117 $2744 $4117 75-79 $3277 $4915 $3277 $4915 80+ $4152 $6226 $4152 $6226
Allstate Benefits group Voluntary Accident Insurance
Accident insurance is another form of supplemental medical insurance It pays a lump-sum benefit directly to the insured for an accidental injury You have two benefit options Basic and Premier to choose from Benefits are paid when an accident causes fractures dislocations loss of limbs burns hospital and ambulance expenses accident-related disabilities or death Accident insurance will help you pay for
bull Hospitalemergency room care
bull Injuries requiring surgery
bull Ambulance fees
bull Physical therapy
bull Recovery income
bull Family lodging
Please see the example in the chart on the right
If you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of of the Basic Allstate Benefit Group Accident Insurance or the $5000 level of the Allstate Benefits Group Critical Illness Insurance coverage
Voluntary Benefits (contrsquod)
Purple Plan Bronze Plan HDHPHSA Plan
Full cost of medical services $13270 $13270 $13270
Deductible you pay $350 $800 $1300
Copays you pay $340 $460 $0
Coinsurance you pay $1310 $1240 $1700
Accident benefits paid to you $0 $0 $6305
Account funding paid to you $0 $0 ($750)
Employee contributions you pay $1868 $1124 $631
Your total cost(savings) $3868 $3624 $3424
See page 19-20 for more information
Full Cost of Medical Services
Accident Insurance Reimbursement
Basic Plan Premier Plan
Ambulance (ground) $400 $100 $200
Non-ICU hospital admission (3 days confinement)
$3500 $1600 $3200
Fracture (tibia) $6000 $4000 $8000
Emergency room $1000 $100 $200
X-rays $170 $100 $200
Follow-up visits (2) $200 $100 $200
Physical therapy visits (4)
$400 $120 $240
MRICat Scan $1500 $50 $100
Appliance (crutches) $50 $125 $250
Medical supplies or medicine
$50 $10 $20
ToTAL $13270 $6305 $12610
How This Impacts Out-of-Pocket Costs
9
Bi-Weekly Accident Insurance Employee Deductions
EE ee + S EE + C Family
Basic $296 $512 $688 $842
Premier $592 $1024 $1376 $1682
Example
InfoArmor Identity Financial and Privacy Protection Program
PrivacyArmor is a proactive fraud detection and prevention including a fully-managed identity restoration for state-of-the art identity protection Features include
bull Identity and credit monitoring
bull Credit report each year and a score each month
bull Password management solution
bull Social media reputation monitoring
bull Digital wallet storage and monitoring
bull Full-Service Identity Restoration
bull $1000000 Identity Theft Insurance Policy
Bi-Weekly Cost
InfoArmor Identity Theft Protection
$459 per person$828 per family
See pages 21-22 for more information
ARAG Legal Insurance
MetLaw provides two options of legal services and representation from a qualified attorney at an affordable price Features include
bull Quick easy access to a nationwide network of11000 pre-qualified Plan Attorneys with an averageof 25 years of experience
bull You can choose a non-Plan Attorney and may bereimbursed through the ARAG plan
bull Low monthly cost for unlimited use of the plan
bull Premium is deducted from your paycheck noclaim forms
bull Spouse and children also have access to theplan benefits
Bi-Weekly Cost
ARAg Legal Insurance UltimateAdvisorreg Plus UltimateAdvisorreg
Family $1108 Family $715
See pages 23-24 for further services at each level
Voluntary Benefits (contrsquod)
10
The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
How Do I Enroll
11
Steps
1 Log into WorkDay
a Open the ldquoOpen Enrollmentrdquo task in your inbox
2 Review your current medical dental and vision elections You can find additional information about each plan by clicking on ldquoProvider Websiterdquo Make any changes to your current elections in the ldquoElectWaiverdquo column
3 To add dependentsa Choose the correct tier from the ldquoCoveragerdquo columnb In the ldquoEnroll Dependentsrdquo column click on ldquoCreaterdquo if you need
to add a dependent that is not already in the system For thosethat are already in the system you can select their name
c Add dependent and beneficiary information Complete all fieldsnoted with an asterisk
d The federal government (IRS) requires Bioventus collectand report valid Social Security Numbers for all dependentscovered under our plan Please be sure to include yourdependentsrsquo Social Security Numbers when you enroll
4 Please also take a moment to review and update your contact information emergency contact and add a photo of yourself These can be found under the ldquoAll About Merdquo tab then click on Personal Informationa When adding your phone number you must include the area
code which is in a separate field above the phone number fieldAlso a hyphen is required in the phone number after thethird digit
b Phone number and mailing address are mandatory for allemergency contacts
c To add a photo click on the down arrow next to your nameat the top of the screen Then click on ldquoPersonal Datardquo thenldquoChange My Photordquo Click ldquoBrowserdquo to locate your photo fileand then click ldquoUploadrdquo
1 Who do I contact at Aetna for questionsYou have access to Aetnarsquos Concierge line at 1-855-845-0572 Aetna representatives can provide you with information about the features and benefits of your coverage Please provide the Aetna representative with the following Bioventus account number 869900 This will help Aetna identify you as an Aetna customer
2 How can I find out if my current medical provider isin the Aetna networkLog onto wwwaetnacom and click on ldquoIndividuals amp Familiesrdquo in the upper left of the webpage Scroll half way down the page in the blue box (1) Click ldquoFind a doctor dentist facility or vision providerrdquo In the section noted ldquoThinking of getting an Aetna planrdquo (2) Click on ldquoFind doctors dentists and hospitals in our plansrdquo For the question ldquoWhat type of plan are you consideringrdquo (3) Click on ldquoA Plan Offered by My Employer or Organization (Includes small group plans purchased on exchange in Maryland Delaware and District of Columbia)rdquo Enter your search parameters You can either search by Provider Name Specialty Procedure or Condition and by Zip Code or City State
Then in the ldquoSelect a Planrdquo section - Under Aetna Open Access Plans select ldquoAetna Choice POS II (Open Access)rdquo then (4) Click rdquoContinuerdquo
3 How do I know what co-paytier applies to myprescription under the Aetna Pharmacy plan We encourage you to check the status of your Rx with Aetnarsquos Preferred Drug list Medication Search Tool which can be accessed at wwwaetnacom On the site under Find your drug information use the 2017 Three Tier Open Plans expand option and select ldquoSearch to see if a drug is coveredrdquo You can also contact Aetna by calling the phone numbers referenced in 1 above for assistance or from your current medical ID card
4 Do you have a Mail Order Pharmacy ProgramYes Aetnarsquos Rx Home Delivery is designed especially for individuals who take maintenance prescription medications In addition members have the option to pick up their maintenance medications that they normally have delivered at CVSpharmacy retail locations most convenient to them through the Maintenance Choice program To pick up at CVSpharmacy
bull Log in to wwwaetnanavigatorcom Click ldquoFind a DoctorPharmacy or Facilityrdquo to find a CVSpharmacy near you
bull For new orders ndash if you have a new prescription fora 90-day supply please ask the pharmacist to fill itYou can also call the toll-free number on your memberID card and Aetna will handle the rest
bull For refill orders ndash To refill an existing prescription bringyour current medicine to the pharmacist andask for a 90-day refill through the MaintenanceChoice program
5 Do certain prescriptions require prior authorizationYes there are certain medications that may require prior au-thorization from Aetna which are included in Aetnarsquos Nation-al Precertification List Participating providers are required to pursue precertification using the process explained at this link httpwwwaetnacomhealth-care- professionalsprecertificationprecertification-listshtml Please select the ldquo2016 Participating Provider Precertificationrdquo link to see the current list of prescriptions included This list is updated from time to time and the Drugs and Medical Injectables are currently listed under 14 on this most recent list This list is subject to change for 2017
You can also find out if your medication requires an authorization by calling Aetnarsquos concierge line at 1-855-845-0572
Frequently Asked Questions
12
CONTINUED
Frequently Asked Questions (contrsquod)
6 Does Aetna an employee self-service web-siteYes Aetna Navigator is a convenient and secure personalized on-line resource It contains easy-to-use interactive tools to help you manage your medical plan and provides access to a wealth of wellness information You can search for network physicians refill mail order prescriptions rank hospital quality standards compare medications take a health risk assessment and so much more You can register for Aetna Navigator at wwwaetnacom as of January 1st The registration process is easy and quick
bull Go to wwwaetnacom
bull Click on ldquoIndividuals amp Familiesrdquo in the upper left of thewebpage Click Log In Register
bull First-time users click Sign up nowrarr in the blue box
bull Follow the prompts one through five to complete yournavigator registration
bull Be careful when entering your name that you do not usenick names You must use the name that you noted onyour enrollment form as this is recognized in the Aetnaeligibility system
bull If you do not have your member ID you may registerusing your social security number
7 What should I do if I donrsquot have an ID card onJanuary 1stYou can print a temporary ID card from your Aetna Navigator home page once you register From your Aetna Navigator Home Page select ldquoGet an ID Cardrdquo on the left Click the ldquoView Cardrdquo button which will then display a copy of your card and it will provide you the option to View and Print the ID Card or Order a Replacement ID Card
bull Go to wwwaetnacom
bull Click Log on and enter your user ID and password
bull This will bring you to the home page of Your SecureWebsite
bull On the left hand side of the screen under I want toselect get an ID Card
bull Under Choose a Card click on View Card
bull Click ViewPrint ID Card
8 How do I file a Medical claim for reimbursement fornon-network servicesIf you see an out-of-network provider you are responsible for paying in full at the point of service and will need to file a claim to receive reimbursement Submit a completed medical claim form and itemized receipt or bill from the pro-vider to the address on the back of your ID card You can also call the Aetna Concierge number printed on the back of your ID card to assist with filing a claim and you may go to wwwaetnacom to download a claim form
Health Savings Account
9 Who is the administrator of the Health SavingsAccountsIf you elect coverage under the HDHPHSA your HSA account will be administered by PayFlex a selected partner for Aetna In order to be eligible to set up a new HSA account with Payflex you are required to be enrolled in the HDHPHSA
10 Are there charges associated with a HSANo There is no charge to Bioventus participants for HSA accounts that roll over from other HSAs to PayFlex
11 Can I leave my money with another HSAFinancial Institution You can leave your money with other HSA Accounts however if you select the HDHPHSA or HDHP as of January 1 2017 an HSA account with Payflex will automatically be opened for you If you do not select the HDHPHSA for 2017 your existing HSA balance will be converted to an individual account with the other provider
12 Can I invest my HSA money with PayFlexYes once you have an HSA balance of $1000 you can choose investments for those funds
CONTINUED
13
Frequently Asked Questions (contrsquod)
13 Are there fees associated with the HSAThe monthly maintenance fee charged by PayFlex are paid by Aetna as long as you are an active employee and enrolled in the HDHPHSA Additional fees that are charged for overdrafts paper statements investment fees etc are your responsibility and will not paid for by Bioventus
If in the future you leave the company or you are no longer enrolled in a qualified high deductible health plan such as the HDHPHSA offered by Bioventus your HSA will be converted to an individual account at PayFlex and you will become responsible for a monthly account fee of $400 (and any additional fees mentioned above) that will be automatically deducted from your account balance
14 What happens to my Payflex HSA if I do not enrollin the HDHPHSA in 2017 If you do not enroll in Bioventusrsquo HDHPHSA you will need to keep your existing HSA funds with Payflex Since it will become an individual account you will be charged a monthly fee for this Note that you cannot add to your HSA funds unless you are actively enrolled in a qualified HDHPHSA however you can still access your HSA funds to pay for eligible expenses
15 How can I access information about my PayFlexHSA Account Once your HSA account with PayFlex is open you can register through the Aetna Navigator for easy access to your HSA account funds
16 Can I access my HSA activity using the AetnaMobile App No The Aetna Mobile App only provides medical plan information To track your HSA activity you can download the PayFlex Mobile App at wwwpayflexcommobile-app
17 How do I contact the Voluntary Benefit providersfor additional information about what their plans cover and to answer questions that I may have
Benefit Contact
Allstate Benefits group Voluntary Critical Illness and Accident Coverage
wwwallstatebenefitscom 800-348-4489
ARAg Legal Insurance wwwARAGlegalcentercom Access code 18222bio 800-247-4184
InfoArmor Identity Financial and Privacy Protection Program
wwwmyPrivacyArmorcom 800-789-2720
Mercer Help Line 1-800-358-3792
14
For More Information
FoR MoRe INFoRMATIoN
If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom
Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom
TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion
15
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
Announcing four new benefit programs for 2017 In an effort to offer the most meaningful benefits to meet the needs of our diverse workforce we are introducing new voluntary benefits These benefits offer added financial protection for a variety of lifersquos unexpected expenses As a Bioventus employee you have a unique opportunity to access these programs for free If you enroll in the Bioventus HDHPHSA during this Open Enrollment period Bioventus will cover the cost of one of the supplemental medical plans for 2017 You will have the choice of either the Allstate Benefits Group Critical Illness Insurance ($5000 Coverage Plan) or the Allstate Benefits Group Accident Insurance (Basic Insurance Plan) at no cost to you The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
Voluntary Benefits
8
Please review these valuable new options The first two are supplemental medical insurance products designed to provide additional protection or fill in the gaps in your health plan by paying for expenses you would normally pay out-of-pocket
If you do not enroll in the Bioventus HDHPHSA you can still access the new plans These voluntary benefits are available to any employee and any costs may be paid through the convenience of payroll deductions
AllstateBenefits(AB)isthemarketingnameusedbyAmericanHeritageLifeInsuranceCompany(HomeOfficeJacksonvilleFL) a subsidiary of The Allstate Corporation
group Critical Illness Insurance Benefits from Allstate
Allstate Benefits Group Voluntary Critical Illness Insurance a supplemental medical insurance product designed to pay a lump-sum benefit directly to the insured upon diagnosis of a covered critical illness like cancer stroke heart attack and organ transplant Benefits can be used to
bull Fill gaps in major medical insurance
bull Protect your assets
bull Provide funds to provide for caregivers special medicalequipment mortgage and other loans extra childcare costs daily living expenses or transportation
bull Pay for out-of-network medical andexperimental treatment
bull Replace your income during recuperation
Our plan covers up to $5000 per eligible illness if you enroll in the Bioventus HDHPHSA We pay the premium for you HDHPHSA participants may select the $10000 coverage option and pay the additional premium costs If you enroll your spouse or dependents they will be covered at up to 50 of your maximum benefit amount
Again if you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of the $5000 level of coverage for the Allstate Benefits Group Critical Illness Insurance or the Allstate Benefits Group Basic Voluntary Accident Insurance for you
See pages 17-18 for more information
Bi-Weekly Group Critical Illness Employee Deductions
$5k benefit amountAge EE ee+S EE+C Family18-24 $023 $035 $023 $035
25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113
$10k benefit amountAge EE ee+S EE+C Family18-24 $046 $069 $046 $069 25-29 $056 $083 $056 $083 30-34 $098 $148 $098 $148 35-39 $157 $235 $157 $235 40-44 $261 $392 $261 $392 45-49 $409 $614 $409 $614 50-54 $631 $946 $631 $946 55-59 $942 $1412 $942 $1412 60-64 $1422 $2132 $1422 $2132 65-69 $2113 $3171 $2113 $3171 70-74 $2744 $4117 $2744 $4117 75-79 $3277 $4915 $3277 $4915 80+ $4152 $6226 $4152 $6226
Allstate Benefits group Voluntary Accident Insurance
Accident insurance is another form of supplemental medical insurance It pays a lump-sum benefit directly to the insured for an accidental injury You have two benefit options Basic and Premier to choose from Benefits are paid when an accident causes fractures dislocations loss of limbs burns hospital and ambulance expenses accident-related disabilities or death Accident insurance will help you pay for
bull Hospitalemergency room care
bull Injuries requiring surgery
bull Ambulance fees
bull Physical therapy
bull Recovery income
bull Family lodging
Please see the example in the chart on the right
If you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of of the Basic Allstate Benefit Group Accident Insurance or the $5000 level of the Allstate Benefits Group Critical Illness Insurance coverage
Voluntary Benefits (contrsquod)
Purple Plan Bronze Plan HDHPHSA Plan
Full cost of medical services $13270 $13270 $13270
Deductible you pay $350 $800 $1300
Copays you pay $340 $460 $0
Coinsurance you pay $1310 $1240 $1700
Accident benefits paid to you $0 $0 $6305
Account funding paid to you $0 $0 ($750)
Employee contributions you pay $1868 $1124 $631
Your total cost(savings) $3868 $3624 $3424
See page 19-20 for more information
Full Cost of Medical Services
Accident Insurance Reimbursement
Basic Plan Premier Plan
Ambulance (ground) $400 $100 $200
Non-ICU hospital admission (3 days confinement)
$3500 $1600 $3200
Fracture (tibia) $6000 $4000 $8000
Emergency room $1000 $100 $200
X-rays $170 $100 $200
Follow-up visits (2) $200 $100 $200
Physical therapy visits (4)
$400 $120 $240
MRICat Scan $1500 $50 $100
Appliance (crutches) $50 $125 $250
Medical supplies or medicine
$50 $10 $20
ToTAL $13270 $6305 $12610
How This Impacts Out-of-Pocket Costs
9
Bi-Weekly Accident Insurance Employee Deductions
EE ee + S EE + C Family
Basic $296 $512 $688 $842
Premier $592 $1024 $1376 $1682
Example
InfoArmor Identity Financial and Privacy Protection Program
PrivacyArmor is a proactive fraud detection and prevention including a fully-managed identity restoration for state-of-the art identity protection Features include
bull Identity and credit monitoring
bull Credit report each year and a score each month
bull Password management solution
bull Social media reputation monitoring
bull Digital wallet storage and monitoring
bull Full-Service Identity Restoration
bull $1000000 Identity Theft Insurance Policy
Bi-Weekly Cost
InfoArmor Identity Theft Protection
$459 per person$828 per family
See pages 21-22 for more information
ARAG Legal Insurance
MetLaw provides two options of legal services and representation from a qualified attorney at an affordable price Features include
bull Quick easy access to a nationwide network of11000 pre-qualified Plan Attorneys with an averageof 25 years of experience
bull You can choose a non-Plan Attorney and may bereimbursed through the ARAG plan
bull Low monthly cost for unlimited use of the plan
bull Premium is deducted from your paycheck noclaim forms
bull Spouse and children also have access to theplan benefits
Bi-Weekly Cost
ARAg Legal Insurance UltimateAdvisorreg Plus UltimateAdvisorreg
Family $1108 Family $715
See pages 23-24 for further services at each level
Voluntary Benefits (contrsquod)
10
The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
How Do I Enroll
11
Steps
1 Log into WorkDay
a Open the ldquoOpen Enrollmentrdquo task in your inbox
2 Review your current medical dental and vision elections You can find additional information about each plan by clicking on ldquoProvider Websiterdquo Make any changes to your current elections in the ldquoElectWaiverdquo column
3 To add dependentsa Choose the correct tier from the ldquoCoveragerdquo columnb In the ldquoEnroll Dependentsrdquo column click on ldquoCreaterdquo if you need
to add a dependent that is not already in the system For thosethat are already in the system you can select their name
c Add dependent and beneficiary information Complete all fieldsnoted with an asterisk
d The federal government (IRS) requires Bioventus collectand report valid Social Security Numbers for all dependentscovered under our plan Please be sure to include yourdependentsrsquo Social Security Numbers when you enroll
4 Please also take a moment to review and update your contact information emergency contact and add a photo of yourself These can be found under the ldquoAll About Merdquo tab then click on Personal Informationa When adding your phone number you must include the area
code which is in a separate field above the phone number fieldAlso a hyphen is required in the phone number after thethird digit
b Phone number and mailing address are mandatory for allemergency contacts
c To add a photo click on the down arrow next to your nameat the top of the screen Then click on ldquoPersonal Datardquo thenldquoChange My Photordquo Click ldquoBrowserdquo to locate your photo fileand then click ldquoUploadrdquo
1 Who do I contact at Aetna for questionsYou have access to Aetnarsquos Concierge line at 1-855-845-0572 Aetna representatives can provide you with information about the features and benefits of your coverage Please provide the Aetna representative with the following Bioventus account number 869900 This will help Aetna identify you as an Aetna customer
2 How can I find out if my current medical provider isin the Aetna networkLog onto wwwaetnacom and click on ldquoIndividuals amp Familiesrdquo in the upper left of the webpage Scroll half way down the page in the blue box (1) Click ldquoFind a doctor dentist facility or vision providerrdquo In the section noted ldquoThinking of getting an Aetna planrdquo (2) Click on ldquoFind doctors dentists and hospitals in our plansrdquo For the question ldquoWhat type of plan are you consideringrdquo (3) Click on ldquoA Plan Offered by My Employer or Organization (Includes small group plans purchased on exchange in Maryland Delaware and District of Columbia)rdquo Enter your search parameters You can either search by Provider Name Specialty Procedure or Condition and by Zip Code or City State
Then in the ldquoSelect a Planrdquo section - Under Aetna Open Access Plans select ldquoAetna Choice POS II (Open Access)rdquo then (4) Click rdquoContinuerdquo
3 How do I know what co-paytier applies to myprescription under the Aetna Pharmacy plan We encourage you to check the status of your Rx with Aetnarsquos Preferred Drug list Medication Search Tool which can be accessed at wwwaetnacom On the site under Find your drug information use the 2017 Three Tier Open Plans expand option and select ldquoSearch to see if a drug is coveredrdquo You can also contact Aetna by calling the phone numbers referenced in 1 above for assistance or from your current medical ID card
4 Do you have a Mail Order Pharmacy ProgramYes Aetnarsquos Rx Home Delivery is designed especially for individuals who take maintenance prescription medications In addition members have the option to pick up their maintenance medications that they normally have delivered at CVSpharmacy retail locations most convenient to them through the Maintenance Choice program To pick up at CVSpharmacy
bull Log in to wwwaetnanavigatorcom Click ldquoFind a DoctorPharmacy or Facilityrdquo to find a CVSpharmacy near you
bull For new orders ndash if you have a new prescription fora 90-day supply please ask the pharmacist to fill itYou can also call the toll-free number on your memberID card and Aetna will handle the rest
bull For refill orders ndash To refill an existing prescription bringyour current medicine to the pharmacist andask for a 90-day refill through the MaintenanceChoice program
5 Do certain prescriptions require prior authorizationYes there are certain medications that may require prior au-thorization from Aetna which are included in Aetnarsquos Nation-al Precertification List Participating providers are required to pursue precertification using the process explained at this link httpwwwaetnacomhealth-care- professionalsprecertificationprecertification-listshtml Please select the ldquo2016 Participating Provider Precertificationrdquo link to see the current list of prescriptions included This list is updated from time to time and the Drugs and Medical Injectables are currently listed under 14 on this most recent list This list is subject to change for 2017
You can also find out if your medication requires an authorization by calling Aetnarsquos concierge line at 1-855-845-0572
Frequently Asked Questions
12
CONTINUED
Frequently Asked Questions (contrsquod)
6 Does Aetna an employee self-service web-siteYes Aetna Navigator is a convenient and secure personalized on-line resource It contains easy-to-use interactive tools to help you manage your medical plan and provides access to a wealth of wellness information You can search for network physicians refill mail order prescriptions rank hospital quality standards compare medications take a health risk assessment and so much more You can register for Aetna Navigator at wwwaetnacom as of January 1st The registration process is easy and quick
bull Go to wwwaetnacom
bull Click on ldquoIndividuals amp Familiesrdquo in the upper left of thewebpage Click Log In Register
bull First-time users click Sign up nowrarr in the blue box
bull Follow the prompts one through five to complete yournavigator registration
bull Be careful when entering your name that you do not usenick names You must use the name that you noted onyour enrollment form as this is recognized in the Aetnaeligibility system
bull If you do not have your member ID you may registerusing your social security number
7 What should I do if I donrsquot have an ID card onJanuary 1stYou can print a temporary ID card from your Aetna Navigator home page once you register From your Aetna Navigator Home Page select ldquoGet an ID Cardrdquo on the left Click the ldquoView Cardrdquo button which will then display a copy of your card and it will provide you the option to View and Print the ID Card or Order a Replacement ID Card
bull Go to wwwaetnacom
bull Click Log on and enter your user ID and password
bull This will bring you to the home page of Your SecureWebsite
bull On the left hand side of the screen under I want toselect get an ID Card
bull Under Choose a Card click on View Card
bull Click ViewPrint ID Card
8 How do I file a Medical claim for reimbursement fornon-network servicesIf you see an out-of-network provider you are responsible for paying in full at the point of service and will need to file a claim to receive reimbursement Submit a completed medical claim form and itemized receipt or bill from the pro-vider to the address on the back of your ID card You can also call the Aetna Concierge number printed on the back of your ID card to assist with filing a claim and you may go to wwwaetnacom to download a claim form
Health Savings Account
9 Who is the administrator of the Health SavingsAccountsIf you elect coverage under the HDHPHSA your HSA account will be administered by PayFlex a selected partner for Aetna In order to be eligible to set up a new HSA account with Payflex you are required to be enrolled in the HDHPHSA
10 Are there charges associated with a HSANo There is no charge to Bioventus participants for HSA accounts that roll over from other HSAs to PayFlex
11 Can I leave my money with another HSAFinancial Institution You can leave your money with other HSA Accounts however if you select the HDHPHSA or HDHP as of January 1 2017 an HSA account with Payflex will automatically be opened for you If you do not select the HDHPHSA for 2017 your existing HSA balance will be converted to an individual account with the other provider
12 Can I invest my HSA money with PayFlexYes once you have an HSA balance of $1000 you can choose investments for those funds
CONTINUED
13
Frequently Asked Questions (contrsquod)
13 Are there fees associated with the HSAThe monthly maintenance fee charged by PayFlex are paid by Aetna as long as you are an active employee and enrolled in the HDHPHSA Additional fees that are charged for overdrafts paper statements investment fees etc are your responsibility and will not paid for by Bioventus
If in the future you leave the company or you are no longer enrolled in a qualified high deductible health plan such as the HDHPHSA offered by Bioventus your HSA will be converted to an individual account at PayFlex and you will become responsible for a monthly account fee of $400 (and any additional fees mentioned above) that will be automatically deducted from your account balance
14 What happens to my Payflex HSA if I do not enrollin the HDHPHSA in 2017 If you do not enroll in Bioventusrsquo HDHPHSA you will need to keep your existing HSA funds with Payflex Since it will become an individual account you will be charged a monthly fee for this Note that you cannot add to your HSA funds unless you are actively enrolled in a qualified HDHPHSA however you can still access your HSA funds to pay for eligible expenses
15 How can I access information about my PayFlexHSA Account Once your HSA account with PayFlex is open you can register through the Aetna Navigator for easy access to your HSA account funds
16 Can I access my HSA activity using the AetnaMobile App No The Aetna Mobile App only provides medical plan information To track your HSA activity you can download the PayFlex Mobile App at wwwpayflexcommobile-app
17 How do I contact the Voluntary Benefit providersfor additional information about what their plans cover and to answer questions that I may have
Benefit Contact
Allstate Benefits group Voluntary Critical Illness and Accident Coverage
wwwallstatebenefitscom 800-348-4489
ARAg Legal Insurance wwwARAGlegalcentercom Access code 18222bio 800-247-4184
InfoArmor Identity Financial and Privacy Protection Program
wwwmyPrivacyArmorcom 800-789-2720
Mercer Help Line 1-800-358-3792
14
For More Information
FoR MoRe INFoRMATIoN
If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom
Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom
TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion
15
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
Allstate Benefits group Voluntary Accident Insurance
Accident insurance is another form of supplemental medical insurance It pays a lump-sum benefit directly to the insured for an accidental injury You have two benefit options Basic and Premier to choose from Benefits are paid when an accident causes fractures dislocations loss of limbs burns hospital and ambulance expenses accident-related disabilities or death Accident insurance will help you pay for
bull Hospitalemergency room care
bull Injuries requiring surgery
bull Ambulance fees
bull Physical therapy
bull Recovery income
bull Family lodging
Please see the example in the chart on the right
If you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of of the Basic Allstate Benefit Group Accident Insurance or the $5000 level of the Allstate Benefits Group Critical Illness Insurance coverage
Voluntary Benefits (contrsquod)
Purple Plan Bronze Plan HDHPHSA Plan
Full cost of medical services $13270 $13270 $13270
Deductible you pay $350 $800 $1300
Copays you pay $340 $460 $0
Coinsurance you pay $1310 $1240 $1700
Accident benefits paid to you $0 $0 $6305
Account funding paid to you $0 $0 ($750)
Employee contributions you pay $1868 $1124 $631
Your total cost(savings) $3868 $3624 $3424
See page 19-20 for more information
Full Cost of Medical Services
Accident Insurance Reimbursement
Basic Plan Premier Plan
Ambulance (ground) $400 $100 $200
Non-ICU hospital admission (3 days confinement)
$3500 $1600 $3200
Fracture (tibia) $6000 $4000 $8000
Emergency room $1000 $100 $200
X-rays $170 $100 $200
Follow-up visits (2) $200 $100 $200
Physical therapy visits (4)
$400 $120 $240
MRICat Scan $1500 $50 $100
Appliance (crutches) $50 $125 $250
Medical supplies or medicine
$50 $10 $20
ToTAL $13270 $6305 $12610
How This Impacts Out-of-Pocket Costs
9
Bi-Weekly Accident Insurance Employee Deductions
EE ee + S EE + C Family
Basic $296 $512 $688 $842
Premier $592 $1024 $1376 $1682
Example
InfoArmor Identity Financial and Privacy Protection Program
PrivacyArmor is a proactive fraud detection and prevention including a fully-managed identity restoration for state-of-the art identity protection Features include
bull Identity and credit monitoring
bull Credit report each year and a score each month
bull Password management solution
bull Social media reputation monitoring
bull Digital wallet storage and monitoring
bull Full-Service Identity Restoration
bull $1000000 Identity Theft Insurance Policy
Bi-Weekly Cost
InfoArmor Identity Theft Protection
$459 per person$828 per family
See pages 21-22 for more information
ARAG Legal Insurance
MetLaw provides two options of legal services and representation from a qualified attorney at an affordable price Features include
bull Quick easy access to a nationwide network of11000 pre-qualified Plan Attorneys with an averageof 25 years of experience
bull You can choose a non-Plan Attorney and may bereimbursed through the ARAG plan
bull Low monthly cost for unlimited use of the plan
bull Premium is deducted from your paycheck noclaim forms
bull Spouse and children also have access to theplan benefits
Bi-Weekly Cost
ARAg Legal Insurance UltimateAdvisorreg Plus UltimateAdvisorreg
Family $1108 Family $715
See pages 23-24 for further services at each level
Voluntary Benefits (contrsquod)
10
The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
How Do I Enroll
11
Steps
1 Log into WorkDay
a Open the ldquoOpen Enrollmentrdquo task in your inbox
2 Review your current medical dental and vision elections You can find additional information about each plan by clicking on ldquoProvider Websiterdquo Make any changes to your current elections in the ldquoElectWaiverdquo column
3 To add dependentsa Choose the correct tier from the ldquoCoveragerdquo columnb In the ldquoEnroll Dependentsrdquo column click on ldquoCreaterdquo if you need
to add a dependent that is not already in the system For thosethat are already in the system you can select their name
c Add dependent and beneficiary information Complete all fieldsnoted with an asterisk
d The federal government (IRS) requires Bioventus collectand report valid Social Security Numbers for all dependentscovered under our plan Please be sure to include yourdependentsrsquo Social Security Numbers when you enroll
4 Please also take a moment to review and update your contact information emergency contact and add a photo of yourself These can be found under the ldquoAll About Merdquo tab then click on Personal Informationa When adding your phone number you must include the area
code which is in a separate field above the phone number fieldAlso a hyphen is required in the phone number after thethird digit
b Phone number and mailing address are mandatory for allemergency contacts
c To add a photo click on the down arrow next to your nameat the top of the screen Then click on ldquoPersonal Datardquo thenldquoChange My Photordquo Click ldquoBrowserdquo to locate your photo fileand then click ldquoUploadrdquo
1 Who do I contact at Aetna for questionsYou have access to Aetnarsquos Concierge line at 1-855-845-0572 Aetna representatives can provide you with information about the features and benefits of your coverage Please provide the Aetna representative with the following Bioventus account number 869900 This will help Aetna identify you as an Aetna customer
2 How can I find out if my current medical provider isin the Aetna networkLog onto wwwaetnacom and click on ldquoIndividuals amp Familiesrdquo in the upper left of the webpage Scroll half way down the page in the blue box (1) Click ldquoFind a doctor dentist facility or vision providerrdquo In the section noted ldquoThinking of getting an Aetna planrdquo (2) Click on ldquoFind doctors dentists and hospitals in our plansrdquo For the question ldquoWhat type of plan are you consideringrdquo (3) Click on ldquoA Plan Offered by My Employer or Organization (Includes small group plans purchased on exchange in Maryland Delaware and District of Columbia)rdquo Enter your search parameters You can either search by Provider Name Specialty Procedure or Condition and by Zip Code or City State
Then in the ldquoSelect a Planrdquo section - Under Aetna Open Access Plans select ldquoAetna Choice POS II (Open Access)rdquo then (4) Click rdquoContinuerdquo
3 How do I know what co-paytier applies to myprescription under the Aetna Pharmacy plan We encourage you to check the status of your Rx with Aetnarsquos Preferred Drug list Medication Search Tool which can be accessed at wwwaetnacom On the site under Find your drug information use the 2017 Three Tier Open Plans expand option and select ldquoSearch to see if a drug is coveredrdquo You can also contact Aetna by calling the phone numbers referenced in 1 above for assistance or from your current medical ID card
4 Do you have a Mail Order Pharmacy ProgramYes Aetnarsquos Rx Home Delivery is designed especially for individuals who take maintenance prescription medications In addition members have the option to pick up their maintenance medications that they normally have delivered at CVSpharmacy retail locations most convenient to them through the Maintenance Choice program To pick up at CVSpharmacy
bull Log in to wwwaetnanavigatorcom Click ldquoFind a DoctorPharmacy or Facilityrdquo to find a CVSpharmacy near you
bull For new orders ndash if you have a new prescription fora 90-day supply please ask the pharmacist to fill itYou can also call the toll-free number on your memberID card and Aetna will handle the rest
bull For refill orders ndash To refill an existing prescription bringyour current medicine to the pharmacist andask for a 90-day refill through the MaintenanceChoice program
5 Do certain prescriptions require prior authorizationYes there are certain medications that may require prior au-thorization from Aetna which are included in Aetnarsquos Nation-al Precertification List Participating providers are required to pursue precertification using the process explained at this link httpwwwaetnacomhealth-care- professionalsprecertificationprecertification-listshtml Please select the ldquo2016 Participating Provider Precertificationrdquo link to see the current list of prescriptions included This list is updated from time to time and the Drugs and Medical Injectables are currently listed under 14 on this most recent list This list is subject to change for 2017
You can also find out if your medication requires an authorization by calling Aetnarsquos concierge line at 1-855-845-0572
Frequently Asked Questions
12
CONTINUED
Frequently Asked Questions (contrsquod)
6 Does Aetna an employee self-service web-siteYes Aetna Navigator is a convenient and secure personalized on-line resource It contains easy-to-use interactive tools to help you manage your medical plan and provides access to a wealth of wellness information You can search for network physicians refill mail order prescriptions rank hospital quality standards compare medications take a health risk assessment and so much more You can register for Aetna Navigator at wwwaetnacom as of January 1st The registration process is easy and quick
bull Go to wwwaetnacom
bull Click on ldquoIndividuals amp Familiesrdquo in the upper left of thewebpage Click Log In Register
bull First-time users click Sign up nowrarr in the blue box
bull Follow the prompts one through five to complete yournavigator registration
bull Be careful when entering your name that you do not usenick names You must use the name that you noted onyour enrollment form as this is recognized in the Aetnaeligibility system
bull If you do not have your member ID you may registerusing your social security number
7 What should I do if I donrsquot have an ID card onJanuary 1stYou can print a temporary ID card from your Aetna Navigator home page once you register From your Aetna Navigator Home Page select ldquoGet an ID Cardrdquo on the left Click the ldquoView Cardrdquo button which will then display a copy of your card and it will provide you the option to View and Print the ID Card or Order a Replacement ID Card
bull Go to wwwaetnacom
bull Click Log on and enter your user ID and password
bull This will bring you to the home page of Your SecureWebsite
bull On the left hand side of the screen under I want toselect get an ID Card
bull Under Choose a Card click on View Card
bull Click ViewPrint ID Card
8 How do I file a Medical claim for reimbursement fornon-network servicesIf you see an out-of-network provider you are responsible for paying in full at the point of service and will need to file a claim to receive reimbursement Submit a completed medical claim form and itemized receipt or bill from the pro-vider to the address on the back of your ID card You can also call the Aetna Concierge number printed on the back of your ID card to assist with filing a claim and you may go to wwwaetnacom to download a claim form
Health Savings Account
9 Who is the administrator of the Health SavingsAccountsIf you elect coverage under the HDHPHSA your HSA account will be administered by PayFlex a selected partner for Aetna In order to be eligible to set up a new HSA account with Payflex you are required to be enrolled in the HDHPHSA
10 Are there charges associated with a HSANo There is no charge to Bioventus participants for HSA accounts that roll over from other HSAs to PayFlex
11 Can I leave my money with another HSAFinancial Institution You can leave your money with other HSA Accounts however if you select the HDHPHSA or HDHP as of January 1 2017 an HSA account with Payflex will automatically be opened for you If you do not select the HDHPHSA for 2017 your existing HSA balance will be converted to an individual account with the other provider
12 Can I invest my HSA money with PayFlexYes once you have an HSA balance of $1000 you can choose investments for those funds
CONTINUED
13
Frequently Asked Questions (contrsquod)
13 Are there fees associated with the HSAThe monthly maintenance fee charged by PayFlex are paid by Aetna as long as you are an active employee and enrolled in the HDHPHSA Additional fees that are charged for overdrafts paper statements investment fees etc are your responsibility and will not paid for by Bioventus
If in the future you leave the company or you are no longer enrolled in a qualified high deductible health plan such as the HDHPHSA offered by Bioventus your HSA will be converted to an individual account at PayFlex and you will become responsible for a monthly account fee of $400 (and any additional fees mentioned above) that will be automatically deducted from your account balance
14 What happens to my Payflex HSA if I do not enrollin the HDHPHSA in 2017 If you do not enroll in Bioventusrsquo HDHPHSA you will need to keep your existing HSA funds with Payflex Since it will become an individual account you will be charged a monthly fee for this Note that you cannot add to your HSA funds unless you are actively enrolled in a qualified HDHPHSA however you can still access your HSA funds to pay for eligible expenses
15 How can I access information about my PayFlexHSA Account Once your HSA account with PayFlex is open you can register through the Aetna Navigator for easy access to your HSA account funds
16 Can I access my HSA activity using the AetnaMobile App No The Aetna Mobile App only provides medical plan information To track your HSA activity you can download the PayFlex Mobile App at wwwpayflexcommobile-app
17 How do I contact the Voluntary Benefit providersfor additional information about what their plans cover and to answer questions that I may have
Benefit Contact
Allstate Benefits group Voluntary Critical Illness and Accident Coverage
wwwallstatebenefitscom 800-348-4489
ARAg Legal Insurance wwwARAGlegalcentercom Access code 18222bio 800-247-4184
InfoArmor Identity Financial and Privacy Protection Program
wwwmyPrivacyArmorcom 800-789-2720
Mercer Help Line 1-800-358-3792
14
For More Information
FoR MoRe INFoRMATIoN
If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom
Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom
TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion
15
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
InfoArmor Identity Financial and Privacy Protection Program
PrivacyArmor is a proactive fraud detection and prevention including a fully-managed identity restoration for state-of-the art identity protection Features include
bull Identity and credit monitoring
bull Credit report each year and a score each month
bull Password management solution
bull Social media reputation monitoring
bull Digital wallet storage and monitoring
bull Full-Service Identity Restoration
bull $1000000 Identity Theft Insurance Policy
Bi-Weekly Cost
InfoArmor Identity Theft Protection
$459 per person$828 per family
See pages 21-22 for more information
ARAG Legal Insurance
MetLaw provides two options of legal services and representation from a qualified attorney at an affordable price Features include
bull Quick easy access to a nationwide network of11000 pre-qualified Plan Attorneys with an averageof 25 years of experience
bull You can choose a non-Plan Attorney and may bereimbursed through the ARAG plan
bull Low monthly cost for unlimited use of the plan
bull Premium is deducted from your paycheck noclaim forms
bull Spouse and children also have access to theplan benefits
Bi-Weekly Cost
ARAg Legal Insurance UltimateAdvisorreg Plus UltimateAdvisorreg
Family $1108 Family $715
See pages 23-24 for further services at each level
Voluntary Benefits (contrsquod)
10
The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792
How Do I Enroll
11
Steps
1 Log into WorkDay
a Open the ldquoOpen Enrollmentrdquo task in your inbox
2 Review your current medical dental and vision elections You can find additional information about each plan by clicking on ldquoProvider Websiterdquo Make any changes to your current elections in the ldquoElectWaiverdquo column
3 To add dependentsa Choose the correct tier from the ldquoCoveragerdquo columnb In the ldquoEnroll Dependentsrdquo column click on ldquoCreaterdquo if you need
to add a dependent that is not already in the system For thosethat are already in the system you can select their name
c Add dependent and beneficiary information Complete all fieldsnoted with an asterisk
d The federal government (IRS) requires Bioventus collectand report valid Social Security Numbers for all dependentscovered under our plan Please be sure to include yourdependentsrsquo Social Security Numbers when you enroll
4 Please also take a moment to review and update your contact information emergency contact and add a photo of yourself These can be found under the ldquoAll About Merdquo tab then click on Personal Informationa When adding your phone number you must include the area
code which is in a separate field above the phone number fieldAlso a hyphen is required in the phone number after thethird digit
b Phone number and mailing address are mandatory for allemergency contacts
c To add a photo click on the down arrow next to your nameat the top of the screen Then click on ldquoPersonal Datardquo thenldquoChange My Photordquo Click ldquoBrowserdquo to locate your photo fileand then click ldquoUploadrdquo
1 Who do I contact at Aetna for questionsYou have access to Aetnarsquos Concierge line at 1-855-845-0572 Aetna representatives can provide you with information about the features and benefits of your coverage Please provide the Aetna representative with the following Bioventus account number 869900 This will help Aetna identify you as an Aetna customer
2 How can I find out if my current medical provider isin the Aetna networkLog onto wwwaetnacom and click on ldquoIndividuals amp Familiesrdquo in the upper left of the webpage Scroll half way down the page in the blue box (1) Click ldquoFind a doctor dentist facility or vision providerrdquo In the section noted ldquoThinking of getting an Aetna planrdquo (2) Click on ldquoFind doctors dentists and hospitals in our plansrdquo For the question ldquoWhat type of plan are you consideringrdquo (3) Click on ldquoA Plan Offered by My Employer or Organization (Includes small group plans purchased on exchange in Maryland Delaware and District of Columbia)rdquo Enter your search parameters You can either search by Provider Name Specialty Procedure or Condition and by Zip Code or City State
Then in the ldquoSelect a Planrdquo section - Under Aetna Open Access Plans select ldquoAetna Choice POS II (Open Access)rdquo then (4) Click rdquoContinuerdquo
3 How do I know what co-paytier applies to myprescription under the Aetna Pharmacy plan We encourage you to check the status of your Rx with Aetnarsquos Preferred Drug list Medication Search Tool which can be accessed at wwwaetnacom On the site under Find your drug information use the 2017 Three Tier Open Plans expand option and select ldquoSearch to see if a drug is coveredrdquo You can also contact Aetna by calling the phone numbers referenced in 1 above for assistance or from your current medical ID card
4 Do you have a Mail Order Pharmacy ProgramYes Aetnarsquos Rx Home Delivery is designed especially for individuals who take maintenance prescription medications In addition members have the option to pick up their maintenance medications that they normally have delivered at CVSpharmacy retail locations most convenient to them through the Maintenance Choice program To pick up at CVSpharmacy
bull Log in to wwwaetnanavigatorcom Click ldquoFind a DoctorPharmacy or Facilityrdquo to find a CVSpharmacy near you
bull For new orders ndash if you have a new prescription fora 90-day supply please ask the pharmacist to fill itYou can also call the toll-free number on your memberID card and Aetna will handle the rest
bull For refill orders ndash To refill an existing prescription bringyour current medicine to the pharmacist andask for a 90-day refill through the MaintenanceChoice program
5 Do certain prescriptions require prior authorizationYes there are certain medications that may require prior au-thorization from Aetna which are included in Aetnarsquos Nation-al Precertification List Participating providers are required to pursue precertification using the process explained at this link httpwwwaetnacomhealth-care- professionalsprecertificationprecertification-listshtml Please select the ldquo2016 Participating Provider Precertificationrdquo link to see the current list of prescriptions included This list is updated from time to time and the Drugs and Medical Injectables are currently listed under 14 on this most recent list This list is subject to change for 2017
You can also find out if your medication requires an authorization by calling Aetnarsquos concierge line at 1-855-845-0572
Frequently Asked Questions
12
CONTINUED
Frequently Asked Questions (contrsquod)
6 Does Aetna an employee self-service web-siteYes Aetna Navigator is a convenient and secure personalized on-line resource It contains easy-to-use interactive tools to help you manage your medical plan and provides access to a wealth of wellness information You can search for network physicians refill mail order prescriptions rank hospital quality standards compare medications take a health risk assessment and so much more You can register for Aetna Navigator at wwwaetnacom as of January 1st The registration process is easy and quick
bull Go to wwwaetnacom
bull Click on ldquoIndividuals amp Familiesrdquo in the upper left of thewebpage Click Log In Register
bull First-time users click Sign up nowrarr in the blue box
bull Follow the prompts one through five to complete yournavigator registration
bull Be careful when entering your name that you do not usenick names You must use the name that you noted onyour enrollment form as this is recognized in the Aetnaeligibility system
bull If you do not have your member ID you may registerusing your social security number
7 What should I do if I donrsquot have an ID card onJanuary 1stYou can print a temporary ID card from your Aetna Navigator home page once you register From your Aetna Navigator Home Page select ldquoGet an ID Cardrdquo on the left Click the ldquoView Cardrdquo button which will then display a copy of your card and it will provide you the option to View and Print the ID Card or Order a Replacement ID Card
bull Go to wwwaetnacom
bull Click Log on and enter your user ID and password
bull This will bring you to the home page of Your SecureWebsite
bull On the left hand side of the screen under I want toselect get an ID Card
bull Under Choose a Card click on View Card
bull Click ViewPrint ID Card
8 How do I file a Medical claim for reimbursement fornon-network servicesIf you see an out-of-network provider you are responsible for paying in full at the point of service and will need to file a claim to receive reimbursement Submit a completed medical claim form and itemized receipt or bill from the pro-vider to the address on the back of your ID card You can also call the Aetna Concierge number printed on the back of your ID card to assist with filing a claim and you may go to wwwaetnacom to download a claim form
Health Savings Account
9 Who is the administrator of the Health SavingsAccountsIf you elect coverage under the HDHPHSA your HSA account will be administered by PayFlex a selected partner for Aetna In order to be eligible to set up a new HSA account with Payflex you are required to be enrolled in the HDHPHSA
10 Are there charges associated with a HSANo There is no charge to Bioventus participants for HSA accounts that roll over from other HSAs to PayFlex
11 Can I leave my money with another HSAFinancial Institution You can leave your money with other HSA Accounts however if you select the HDHPHSA or HDHP as of January 1 2017 an HSA account with Payflex will automatically be opened for you If you do not select the HDHPHSA for 2017 your existing HSA balance will be converted to an individual account with the other provider
12 Can I invest my HSA money with PayFlexYes once you have an HSA balance of $1000 you can choose investments for those funds
CONTINUED
13
Frequently Asked Questions (contrsquod)
13 Are there fees associated with the HSAThe monthly maintenance fee charged by PayFlex are paid by Aetna as long as you are an active employee and enrolled in the HDHPHSA Additional fees that are charged for overdrafts paper statements investment fees etc are your responsibility and will not paid for by Bioventus
If in the future you leave the company or you are no longer enrolled in a qualified high deductible health plan such as the HDHPHSA offered by Bioventus your HSA will be converted to an individual account at PayFlex and you will become responsible for a monthly account fee of $400 (and any additional fees mentioned above) that will be automatically deducted from your account balance
14 What happens to my Payflex HSA if I do not enrollin the HDHPHSA in 2017 If you do not enroll in Bioventusrsquo HDHPHSA you will need to keep your existing HSA funds with Payflex Since it will become an individual account you will be charged a monthly fee for this Note that you cannot add to your HSA funds unless you are actively enrolled in a qualified HDHPHSA however you can still access your HSA funds to pay for eligible expenses
15 How can I access information about my PayFlexHSA Account Once your HSA account with PayFlex is open you can register through the Aetna Navigator for easy access to your HSA account funds
16 Can I access my HSA activity using the AetnaMobile App No The Aetna Mobile App only provides medical plan information To track your HSA activity you can download the PayFlex Mobile App at wwwpayflexcommobile-app
17 How do I contact the Voluntary Benefit providersfor additional information about what their plans cover and to answer questions that I may have
Benefit Contact
Allstate Benefits group Voluntary Critical Illness and Accident Coverage
wwwallstatebenefitscom 800-348-4489
ARAg Legal Insurance wwwARAGlegalcentercom Access code 18222bio 800-247-4184
InfoArmor Identity Financial and Privacy Protection Program
wwwmyPrivacyArmorcom 800-789-2720
Mercer Help Line 1-800-358-3792
14
For More Information
FoR MoRe INFoRMATIoN
If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom
Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom
TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion
15
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
How Do I Enroll
11
Steps
1 Log into WorkDay
a Open the ldquoOpen Enrollmentrdquo task in your inbox
2 Review your current medical dental and vision elections You can find additional information about each plan by clicking on ldquoProvider Websiterdquo Make any changes to your current elections in the ldquoElectWaiverdquo column
3 To add dependentsa Choose the correct tier from the ldquoCoveragerdquo columnb In the ldquoEnroll Dependentsrdquo column click on ldquoCreaterdquo if you need
to add a dependent that is not already in the system For thosethat are already in the system you can select their name
c Add dependent and beneficiary information Complete all fieldsnoted with an asterisk
d The federal government (IRS) requires Bioventus collectand report valid Social Security Numbers for all dependentscovered under our plan Please be sure to include yourdependentsrsquo Social Security Numbers when you enroll
4 Please also take a moment to review and update your contact information emergency contact and add a photo of yourself These can be found under the ldquoAll About Merdquo tab then click on Personal Informationa When adding your phone number you must include the area
code which is in a separate field above the phone number fieldAlso a hyphen is required in the phone number after thethird digit
b Phone number and mailing address are mandatory for allemergency contacts
c To add a photo click on the down arrow next to your nameat the top of the screen Then click on ldquoPersonal Datardquo thenldquoChange My Photordquo Click ldquoBrowserdquo to locate your photo fileand then click ldquoUploadrdquo
1 Who do I contact at Aetna for questionsYou have access to Aetnarsquos Concierge line at 1-855-845-0572 Aetna representatives can provide you with information about the features and benefits of your coverage Please provide the Aetna representative with the following Bioventus account number 869900 This will help Aetna identify you as an Aetna customer
2 How can I find out if my current medical provider isin the Aetna networkLog onto wwwaetnacom and click on ldquoIndividuals amp Familiesrdquo in the upper left of the webpage Scroll half way down the page in the blue box (1) Click ldquoFind a doctor dentist facility or vision providerrdquo In the section noted ldquoThinking of getting an Aetna planrdquo (2) Click on ldquoFind doctors dentists and hospitals in our plansrdquo For the question ldquoWhat type of plan are you consideringrdquo (3) Click on ldquoA Plan Offered by My Employer or Organization (Includes small group plans purchased on exchange in Maryland Delaware and District of Columbia)rdquo Enter your search parameters You can either search by Provider Name Specialty Procedure or Condition and by Zip Code or City State
Then in the ldquoSelect a Planrdquo section - Under Aetna Open Access Plans select ldquoAetna Choice POS II (Open Access)rdquo then (4) Click rdquoContinuerdquo
3 How do I know what co-paytier applies to myprescription under the Aetna Pharmacy plan We encourage you to check the status of your Rx with Aetnarsquos Preferred Drug list Medication Search Tool which can be accessed at wwwaetnacom On the site under Find your drug information use the 2017 Three Tier Open Plans expand option and select ldquoSearch to see if a drug is coveredrdquo You can also contact Aetna by calling the phone numbers referenced in 1 above for assistance or from your current medical ID card
4 Do you have a Mail Order Pharmacy ProgramYes Aetnarsquos Rx Home Delivery is designed especially for individuals who take maintenance prescription medications In addition members have the option to pick up their maintenance medications that they normally have delivered at CVSpharmacy retail locations most convenient to them through the Maintenance Choice program To pick up at CVSpharmacy
bull Log in to wwwaetnanavigatorcom Click ldquoFind a DoctorPharmacy or Facilityrdquo to find a CVSpharmacy near you
bull For new orders ndash if you have a new prescription fora 90-day supply please ask the pharmacist to fill itYou can also call the toll-free number on your memberID card and Aetna will handle the rest
bull For refill orders ndash To refill an existing prescription bringyour current medicine to the pharmacist andask for a 90-day refill through the MaintenanceChoice program
5 Do certain prescriptions require prior authorizationYes there are certain medications that may require prior au-thorization from Aetna which are included in Aetnarsquos Nation-al Precertification List Participating providers are required to pursue precertification using the process explained at this link httpwwwaetnacomhealth-care- professionalsprecertificationprecertification-listshtml Please select the ldquo2016 Participating Provider Precertificationrdquo link to see the current list of prescriptions included This list is updated from time to time and the Drugs and Medical Injectables are currently listed under 14 on this most recent list This list is subject to change for 2017
You can also find out if your medication requires an authorization by calling Aetnarsquos concierge line at 1-855-845-0572
Frequently Asked Questions
12
CONTINUED
Frequently Asked Questions (contrsquod)
6 Does Aetna an employee self-service web-siteYes Aetna Navigator is a convenient and secure personalized on-line resource It contains easy-to-use interactive tools to help you manage your medical plan and provides access to a wealth of wellness information You can search for network physicians refill mail order prescriptions rank hospital quality standards compare medications take a health risk assessment and so much more You can register for Aetna Navigator at wwwaetnacom as of January 1st The registration process is easy and quick
bull Go to wwwaetnacom
bull Click on ldquoIndividuals amp Familiesrdquo in the upper left of thewebpage Click Log In Register
bull First-time users click Sign up nowrarr in the blue box
bull Follow the prompts one through five to complete yournavigator registration
bull Be careful when entering your name that you do not usenick names You must use the name that you noted onyour enrollment form as this is recognized in the Aetnaeligibility system
bull If you do not have your member ID you may registerusing your social security number
7 What should I do if I donrsquot have an ID card onJanuary 1stYou can print a temporary ID card from your Aetna Navigator home page once you register From your Aetna Navigator Home Page select ldquoGet an ID Cardrdquo on the left Click the ldquoView Cardrdquo button which will then display a copy of your card and it will provide you the option to View and Print the ID Card or Order a Replacement ID Card
bull Go to wwwaetnacom
bull Click Log on and enter your user ID and password
bull This will bring you to the home page of Your SecureWebsite
bull On the left hand side of the screen under I want toselect get an ID Card
bull Under Choose a Card click on View Card
bull Click ViewPrint ID Card
8 How do I file a Medical claim for reimbursement fornon-network servicesIf you see an out-of-network provider you are responsible for paying in full at the point of service and will need to file a claim to receive reimbursement Submit a completed medical claim form and itemized receipt or bill from the pro-vider to the address on the back of your ID card You can also call the Aetna Concierge number printed on the back of your ID card to assist with filing a claim and you may go to wwwaetnacom to download a claim form
Health Savings Account
9 Who is the administrator of the Health SavingsAccountsIf you elect coverage under the HDHPHSA your HSA account will be administered by PayFlex a selected partner for Aetna In order to be eligible to set up a new HSA account with Payflex you are required to be enrolled in the HDHPHSA
10 Are there charges associated with a HSANo There is no charge to Bioventus participants for HSA accounts that roll over from other HSAs to PayFlex
11 Can I leave my money with another HSAFinancial Institution You can leave your money with other HSA Accounts however if you select the HDHPHSA or HDHP as of January 1 2017 an HSA account with Payflex will automatically be opened for you If you do not select the HDHPHSA for 2017 your existing HSA balance will be converted to an individual account with the other provider
12 Can I invest my HSA money with PayFlexYes once you have an HSA balance of $1000 you can choose investments for those funds
CONTINUED
13
Frequently Asked Questions (contrsquod)
13 Are there fees associated with the HSAThe monthly maintenance fee charged by PayFlex are paid by Aetna as long as you are an active employee and enrolled in the HDHPHSA Additional fees that are charged for overdrafts paper statements investment fees etc are your responsibility and will not paid for by Bioventus
If in the future you leave the company or you are no longer enrolled in a qualified high deductible health plan such as the HDHPHSA offered by Bioventus your HSA will be converted to an individual account at PayFlex and you will become responsible for a monthly account fee of $400 (and any additional fees mentioned above) that will be automatically deducted from your account balance
14 What happens to my Payflex HSA if I do not enrollin the HDHPHSA in 2017 If you do not enroll in Bioventusrsquo HDHPHSA you will need to keep your existing HSA funds with Payflex Since it will become an individual account you will be charged a monthly fee for this Note that you cannot add to your HSA funds unless you are actively enrolled in a qualified HDHPHSA however you can still access your HSA funds to pay for eligible expenses
15 How can I access information about my PayFlexHSA Account Once your HSA account with PayFlex is open you can register through the Aetna Navigator for easy access to your HSA account funds
16 Can I access my HSA activity using the AetnaMobile App No The Aetna Mobile App only provides medical plan information To track your HSA activity you can download the PayFlex Mobile App at wwwpayflexcommobile-app
17 How do I contact the Voluntary Benefit providersfor additional information about what their plans cover and to answer questions that I may have
Benefit Contact
Allstate Benefits group Voluntary Critical Illness and Accident Coverage
wwwallstatebenefitscom 800-348-4489
ARAg Legal Insurance wwwARAGlegalcentercom Access code 18222bio 800-247-4184
InfoArmor Identity Financial and Privacy Protection Program
wwwmyPrivacyArmorcom 800-789-2720
Mercer Help Line 1-800-358-3792
14
For More Information
FoR MoRe INFoRMATIoN
If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom
Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom
TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion
15
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
1 Who do I contact at Aetna for questionsYou have access to Aetnarsquos Concierge line at 1-855-845-0572 Aetna representatives can provide you with information about the features and benefits of your coverage Please provide the Aetna representative with the following Bioventus account number 869900 This will help Aetna identify you as an Aetna customer
2 How can I find out if my current medical provider isin the Aetna networkLog onto wwwaetnacom and click on ldquoIndividuals amp Familiesrdquo in the upper left of the webpage Scroll half way down the page in the blue box (1) Click ldquoFind a doctor dentist facility or vision providerrdquo In the section noted ldquoThinking of getting an Aetna planrdquo (2) Click on ldquoFind doctors dentists and hospitals in our plansrdquo For the question ldquoWhat type of plan are you consideringrdquo (3) Click on ldquoA Plan Offered by My Employer or Organization (Includes small group plans purchased on exchange in Maryland Delaware and District of Columbia)rdquo Enter your search parameters You can either search by Provider Name Specialty Procedure or Condition and by Zip Code or City State
Then in the ldquoSelect a Planrdquo section - Under Aetna Open Access Plans select ldquoAetna Choice POS II (Open Access)rdquo then (4) Click rdquoContinuerdquo
3 How do I know what co-paytier applies to myprescription under the Aetna Pharmacy plan We encourage you to check the status of your Rx with Aetnarsquos Preferred Drug list Medication Search Tool which can be accessed at wwwaetnacom On the site under Find your drug information use the 2017 Three Tier Open Plans expand option and select ldquoSearch to see if a drug is coveredrdquo You can also contact Aetna by calling the phone numbers referenced in 1 above for assistance or from your current medical ID card
4 Do you have a Mail Order Pharmacy ProgramYes Aetnarsquos Rx Home Delivery is designed especially for individuals who take maintenance prescription medications In addition members have the option to pick up their maintenance medications that they normally have delivered at CVSpharmacy retail locations most convenient to them through the Maintenance Choice program To pick up at CVSpharmacy
bull Log in to wwwaetnanavigatorcom Click ldquoFind a DoctorPharmacy or Facilityrdquo to find a CVSpharmacy near you
bull For new orders ndash if you have a new prescription fora 90-day supply please ask the pharmacist to fill itYou can also call the toll-free number on your memberID card and Aetna will handle the rest
bull For refill orders ndash To refill an existing prescription bringyour current medicine to the pharmacist andask for a 90-day refill through the MaintenanceChoice program
5 Do certain prescriptions require prior authorizationYes there are certain medications that may require prior au-thorization from Aetna which are included in Aetnarsquos Nation-al Precertification List Participating providers are required to pursue precertification using the process explained at this link httpwwwaetnacomhealth-care- professionalsprecertificationprecertification-listshtml Please select the ldquo2016 Participating Provider Precertificationrdquo link to see the current list of prescriptions included This list is updated from time to time and the Drugs and Medical Injectables are currently listed under 14 on this most recent list This list is subject to change for 2017
You can also find out if your medication requires an authorization by calling Aetnarsquos concierge line at 1-855-845-0572
Frequently Asked Questions
12
CONTINUED
Frequently Asked Questions (contrsquod)
6 Does Aetna an employee self-service web-siteYes Aetna Navigator is a convenient and secure personalized on-line resource It contains easy-to-use interactive tools to help you manage your medical plan and provides access to a wealth of wellness information You can search for network physicians refill mail order prescriptions rank hospital quality standards compare medications take a health risk assessment and so much more You can register for Aetna Navigator at wwwaetnacom as of January 1st The registration process is easy and quick
bull Go to wwwaetnacom
bull Click on ldquoIndividuals amp Familiesrdquo in the upper left of thewebpage Click Log In Register
bull First-time users click Sign up nowrarr in the blue box
bull Follow the prompts one through five to complete yournavigator registration
bull Be careful when entering your name that you do not usenick names You must use the name that you noted onyour enrollment form as this is recognized in the Aetnaeligibility system
bull If you do not have your member ID you may registerusing your social security number
7 What should I do if I donrsquot have an ID card onJanuary 1stYou can print a temporary ID card from your Aetna Navigator home page once you register From your Aetna Navigator Home Page select ldquoGet an ID Cardrdquo on the left Click the ldquoView Cardrdquo button which will then display a copy of your card and it will provide you the option to View and Print the ID Card or Order a Replacement ID Card
bull Go to wwwaetnacom
bull Click Log on and enter your user ID and password
bull This will bring you to the home page of Your SecureWebsite
bull On the left hand side of the screen under I want toselect get an ID Card
bull Under Choose a Card click on View Card
bull Click ViewPrint ID Card
8 How do I file a Medical claim for reimbursement fornon-network servicesIf you see an out-of-network provider you are responsible for paying in full at the point of service and will need to file a claim to receive reimbursement Submit a completed medical claim form and itemized receipt or bill from the pro-vider to the address on the back of your ID card You can also call the Aetna Concierge number printed on the back of your ID card to assist with filing a claim and you may go to wwwaetnacom to download a claim form
Health Savings Account
9 Who is the administrator of the Health SavingsAccountsIf you elect coverage under the HDHPHSA your HSA account will be administered by PayFlex a selected partner for Aetna In order to be eligible to set up a new HSA account with Payflex you are required to be enrolled in the HDHPHSA
10 Are there charges associated with a HSANo There is no charge to Bioventus participants for HSA accounts that roll over from other HSAs to PayFlex
11 Can I leave my money with another HSAFinancial Institution You can leave your money with other HSA Accounts however if you select the HDHPHSA or HDHP as of January 1 2017 an HSA account with Payflex will automatically be opened for you If you do not select the HDHPHSA for 2017 your existing HSA balance will be converted to an individual account with the other provider
12 Can I invest my HSA money with PayFlexYes once you have an HSA balance of $1000 you can choose investments for those funds
CONTINUED
13
Frequently Asked Questions (contrsquod)
13 Are there fees associated with the HSAThe monthly maintenance fee charged by PayFlex are paid by Aetna as long as you are an active employee and enrolled in the HDHPHSA Additional fees that are charged for overdrafts paper statements investment fees etc are your responsibility and will not paid for by Bioventus
If in the future you leave the company or you are no longer enrolled in a qualified high deductible health plan such as the HDHPHSA offered by Bioventus your HSA will be converted to an individual account at PayFlex and you will become responsible for a monthly account fee of $400 (and any additional fees mentioned above) that will be automatically deducted from your account balance
14 What happens to my Payflex HSA if I do not enrollin the HDHPHSA in 2017 If you do not enroll in Bioventusrsquo HDHPHSA you will need to keep your existing HSA funds with Payflex Since it will become an individual account you will be charged a monthly fee for this Note that you cannot add to your HSA funds unless you are actively enrolled in a qualified HDHPHSA however you can still access your HSA funds to pay for eligible expenses
15 How can I access information about my PayFlexHSA Account Once your HSA account with PayFlex is open you can register through the Aetna Navigator for easy access to your HSA account funds
16 Can I access my HSA activity using the AetnaMobile App No The Aetna Mobile App only provides medical plan information To track your HSA activity you can download the PayFlex Mobile App at wwwpayflexcommobile-app
17 How do I contact the Voluntary Benefit providersfor additional information about what their plans cover and to answer questions that I may have
Benefit Contact
Allstate Benefits group Voluntary Critical Illness and Accident Coverage
wwwallstatebenefitscom 800-348-4489
ARAg Legal Insurance wwwARAGlegalcentercom Access code 18222bio 800-247-4184
InfoArmor Identity Financial and Privacy Protection Program
wwwmyPrivacyArmorcom 800-789-2720
Mercer Help Line 1-800-358-3792
14
For More Information
FoR MoRe INFoRMATIoN
If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom
Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom
TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion
15
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
Frequently Asked Questions (contrsquod)
6 Does Aetna an employee self-service web-siteYes Aetna Navigator is a convenient and secure personalized on-line resource It contains easy-to-use interactive tools to help you manage your medical plan and provides access to a wealth of wellness information You can search for network physicians refill mail order prescriptions rank hospital quality standards compare medications take a health risk assessment and so much more You can register for Aetna Navigator at wwwaetnacom as of January 1st The registration process is easy and quick
bull Go to wwwaetnacom
bull Click on ldquoIndividuals amp Familiesrdquo in the upper left of thewebpage Click Log In Register
bull First-time users click Sign up nowrarr in the blue box
bull Follow the prompts one through five to complete yournavigator registration
bull Be careful when entering your name that you do not usenick names You must use the name that you noted onyour enrollment form as this is recognized in the Aetnaeligibility system
bull If you do not have your member ID you may registerusing your social security number
7 What should I do if I donrsquot have an ID card onJanuary 1stYou can print a temporary ID card from your Aetna Navigator home page once you register From your Aetna Navigator Home Page select ldquoGet an ID Cardrdquo on the left Click the ldquoView Cardrdquo button which will then display a copy of your card and it will provide you the option to View and Print the ID Card or Order a Replacement ID Card
bull Go to wwwaetnacom
bull Click Log on and enter your user ID and password
bull This will bring you to the home page of Your SecureWebsite
bull On the left hand side of the screen under I want toselect get an ID Card
bull Under Choose a Card click on View Card
bull Click ViewPrint ID Card
8 How do I file a Medical claim for reimbursement fornon-network servicesIf you see an out-of-network provider you are responsible for paying in full at the point of service and will need to file a claim to receive reimbursement Submit a completed medical claim form and itemized receipt or bill from the pro-vider to the address on the back of your ID card You can also call the Aetna Concierge number printed on the back of your ID card to assist with filing a claim and you may go to wwwaetnacom to download a claim form
Health Savings Account
9 Who is the administrator of the Health SavingsAccountsIf you elect coverage under the HDHPHSA your HSA account will be administered by PayFlex a selected partner for Aetna In order to be eligible to set up a new HSA account with Payflex you are required to be enrolled in the HDHPHSA
10 Are there charges associated with a HSANo There is no charge to Bioventus participants for HSA accounts that roll over from other HSAs to PayFlex
11 Can I leave my money with another HSAFinancial Institution You can leave your money with other HSA Accounts however if you select the HDHPHSA or HDHP as of January 1 2017 an HSA account with Payflex will automatically be opened for you If you do not select the HDHPHSA for 2017 your existing HSA balance will be converted to an individual account with the other provider
12 Can I invest my HSA money with PayFlexYes once you have an HSA balance of $1000 you can choose investments for those funds
CONTINUED
13
Frequently Asked Questions (contrsquod)
13 Are there fees associated with the HSAThe monthly maintenance fee charged by PayFlex are paid by Aetna as long as you are an active employee and enrolled in the HDHPHSA Additional fees that are charged for overdrafts paper statements investment fees etc are your responsibility and will not paid for by Bioventus
If in the future you leave the company or you are no longer enrolled in a qualified high deductible health plan such as the HDHPHSA offered by Bioventus your HSA will be converted to an individual account at PayFlex and you will become responsible for a monthly account fee of $400 (and any additional fees mentioned above) that will be automatically deducted from your account balance
14 What happens to my Payflex HSA if I do not enrollin the HDHPHSA in 2017 If you do not enroll in Bioventusrsquo HDHPHSA you will need to keep your existing HSA funds with Payflex Since it will become an individual account you will be charged a monthly fee for this Note that you cannot add to your HSA funds unless you are actively enrolled in a qualified HDHPHSA however you can still access your HSA funds to pay for eligible expenses
15 How can I access information about my PayFlexHSA Account Once your HSA account with PayFlex is open you can register through the Aetna Navigator for easy access to your HSA account funds
16 Can I access my HSA activity using the AetnaMobile App No The Aetna Mobile App only provides medical plan information To track your HSA activity you can download the PayFlex Mobile App at wwwpayflexcommobile-app
17 How do I contact the Voluntary Benefit providersfor additional information about what their plans cover and to answer questions that I may have
Benefit Contact
Allstate Benefits group Voluntary Critical Illness and Accident Coverage
wwwallstatebenefitscom 800-348-4489
ARAg Legal Insurance wwwARAGlegalcentercom Access code 18222bio 800-247-4184
InfoArmor Identity Financial and Privacy Protection Program
wwwmyPrivacyArmorcom 800-789-2720
Mercer Help Line 1-800-358-3792
14
For More Information
FoR MoRe INFoRMATIoN
If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom
Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom
TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion
15
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
Frequently Asked Questions (contrsquod)
13 Are there fees associated with the HSAThe monthly maintenance fee charged by PayFlex are paid by Aetna as long as you are an active employee and enrolled in the HDHPHSA Additional fees that are charged for overdrafts paper statements investment fees etc are your responsibility and will not paid for by Bioventus
If in the future you leave the company or you are no longer enrolled in a qualified high deductible health plan such as the HDHPHSA offered by Bioventus your HSA will be converted to an individual account at PayFlex and you will become responsible for a monthly account fee of $400 (and any additional fees mentioned above) that will be automatically deducted from your account balance
14 What happens to my Payflex HSA if I do not enrollin the HDHPHSA in 2017 If you do not enroll in Bioventusrsquo HDHPHSA you will need to keep your existing HSA funds with Payflex Since it will become an individual account you will be charged a monthly fee for this Note that you cannot add to your HSA funds unless you are actively enrolled in a qualified HDHPHSA however you can still access your HSA funds to pay for eligible expenses
15 How can I access information about my PayFlexHSA Account Once your HSA account with PayFlex is open you can register through the Aetna Navigator for easy access to your HSA account funds
16 Can I access my HSA activity using the AetnaMobile App No The Aetna Mobile App only provides medical plan information To track your HSA activity you can download the PayFlex Mobile App at wwwpayflexcommobile-app
17 How do I contact the Voluntary Benefit providersfor additional information about what their plans cover and to answer questions that I may have
Benefit Contact
Allstate Benefits group Voluntary Critical Illness and Accident Coverage
wwwallstatebenefitscom 800-348-4489
ARAg Legal Insurance wwwARAGlegalcentercom Access code 18222bio 800-247-4184
InfoArmor Identity Financial and Privacy Protection Program
wwwmyPrivacyArmorcom 800-789-2720
Mercer Help Line 1-800-358-3792
14
For More Information
FoR MoRe INFoRMATIoN
If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom
Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom
TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion
15
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
For More Information
FoR MoRe INFoRMATIoN
If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom
Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom
TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion
15
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find
bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness
bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness
bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family
bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind
bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys
Please take a moment to learn more about each program before making your benefit elections for 2017
Bioventus 2017 Open Enrollment Guide Appendix
16
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer at initial enrollment
bull Coverage available for spouseand child(ren)
bull Benefi ts are paid regardless ofany other coverage
bull Premiums are aff ordable andare conveniently payrolldeducted
bull Coverage may be continued
Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event
Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition
With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk
Are you in Good Hands You can be
Critical Illness Insurancefrom Allstate Benefits
Benefits are paid to you
You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness
cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for out-of-pocket expenses upon a positive diagnosis
See reverse for plan details
offered to the employees of
Bioventus LLc
Every 40 seconds someone in the US has a stroke
Every 34 seconds an American will su er a heart attack
1 min0 sec 34 sec 40 sec
httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp
POD4971 Allstate Benefi ts | allstatebenefi tscom17
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
18
Our cash benefits provide you with greater coverage options because you get to determine how to use them
You decide how to use the cash benefits
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
Base Policy Initial Critical Illness Benefits
Heart Attack Major Organ Transplant Waiver of Premium
Stroke End Stage Renal Failure Coronary Artery Bypass Surgery
Cancer Critical Illness Benefits
Invasive Cancer Carcinoma in Situ
Second Event Benefits
Initial Critical Illness Cancer Critical Illness
Supplemental Critical Illness
Benign Brain Tumor Complete Loss of Hearing
Paralysis Advanced Alzheimerrsquos Disease
Coma Advanced Parkinsonrsquos Disease
Complete Blindness
Employee only
Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
Benefits are paid to you
You choose the benefi ts to help protect yourself and any family members from accidental injury expenses
cHooSeYou or a covered family member experience an accidental injury and seek medical attention
uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish
cLAiM
Protection for accidental injuries on- and off -the-job 24-hours a day
Accident Insurancefrom Allstate Benefits
Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly
Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well
Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more
With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls
Are you in Good Hands You can be
offered to the employees of
Bioventus LLc
Allstate Benefi ts | allstatebenefi tscomPOD4970
1National Safety Council Injury Factsreg 2014 Edition
Key Featuresbull Guaranteed Issue coverage
meaning no medical questions to answer
bull Coverage available for spouseand child(ren)
bull Premiums are aff ordable andare conveniently payroll deducted
bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts
See reverse for plan details
19
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
20
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom
For use in enrollments sitused in NC
This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act
Our cash benefits provide you with greater coverage options because you get to determine how to use them
Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted
Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city
Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care
Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas
You decide how to use the cash benefits Base Policy
Initial Hospital Confinement Daily Hospital Confinement
Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for
Ground or Air Ambulance Accident Physicianrsquos Treatment
X-ray Urgent Care
DislocationFracture Rider
Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns
Skin Graft Brain Injury Diagnosis
Paralysis Coma with Respiratory Assistance
Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery
Eye Surgery General Anesthesia
Blood and Plasma Appliance
Medical Supplies Medicine
Prosthesis Physical Occupational or Speech Therapy
Rehabilitation Unit Non-Local Transportation
Family Member Lodging Post-Accident Transportation
Broken Tooth ResidenceVehicle Modification
Pain Management Miscellaneous Outpatient Surgery
Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery
Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)
Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier
MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more
Benefits
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian
Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion
Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles
Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents
IDENTITY FINANCIAL AND PRIVACYPROTECTION
Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor
Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done
daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe
Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions
DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved
PRIVACYARMORreg
Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices
Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online
Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves
$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger
Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud
foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger
LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720
21
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo
ndash Mary K
What are PrivacyArmor participants saying
Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report
2) Javelin Strategy and Research 2016 Identity Fraud Report
3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved
2SECONDSEvery 2 seconds anidentity is stolen1
131MILLIONNumber of identity
theft victims in 20152
$15BILLION
Amount stolen fromfraud victims in 20152
165HOURS
Average time it takesto restore an identity3
ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B
ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo
ndash Steve A
YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY
REYLF-LOV-PAP-TCUDORP-C2B
22
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
23
Legal Insurance from ARAGreg
Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1
Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online
In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you
Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will
What Do I Get for My Money
What Does it Cost
Debt Collection Issues $26033 $0
Neighbor Dispute $22563 $0
Purchase a Home $21693 $0
Standard Will Preparation $14753 $0
Bankruptcy $31233 $0
Minor Traffic Offense $11283 $0
Common Legal IssuesAttorney Fees
347hr1
NetworkAttorney Fees with ARAG2
Designed for Bioventus LLC
UltimateAdvisorreg Plus UltimateAdvisorreg
Resolve Your Legal Issues ndashVisit with an Experienced Attorney
When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will
bull Review or prepare documentsbull Make follow-up calls or write letters
on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly
800-247-4184ARAGLegalCentercom Access Code 18222bio
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
BenefitsSocial SecurityVeteransMedicare
TaxesTax Services
IRS Audit Protection
IRS Collection Defense
State Tax Audit
Property Tax
DebtBankruptcy
Defense of Debt Collection
Foreclosure
Defense of Garnishment
CriminalCriminal Misdemeanor Defense
Habeas Corpus
Parental Responsibilities
Juvenile Court
Civil Damage DefenseLibelSlander Pet-Related Matters and More
General CoveragesSmall Claims Court
General In-Office Services (4 Hours)
Document Preparation and Review
Personal Property Protection
Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
24
Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience
copy 2016 ARAG North America Inc
Legal Insurance from ARAGreg
Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life
Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details
Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues
Plan OptionsUltimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor PlustradePlan Options
Ultimate Advisorreg
Ultimate Advisor Plustrade
501333
800-247-4184ARAGLegalCentercom Access Code 18222bio
For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio
Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors
and More
Estate PlanningWills and Powers of Attorney
Revocable Living Trusts
Irrevocable Living Trusts
Estate Administration amp Closing (9 Hours)
FamilyAdoption
Contested Divorce (15 Hours)
Contested Divorce (10 Hours)
Uncontested Divorce
Child Support Enforcement (8 Hours)
Post Decree Enforcement (8 Hours)
Post Decree Defense (8 Hours)
GuardianshipConservatorship
Uncontested GuardianshipConservatorship
Name Change
Prenuptial Agreements
Domestic Violence Protection
Mental Incompetency or Infirmity
School Administrative Hearings
CaregivingAnnual Checkup Advice and Services
Real EstateBuySell - Primary Residence
BuySell - Secondary Residence
Refinance - Primary Residence
Real Estate Disputes - Primary Residence
Real Estate Disputes - Secondary Residence
Neighbor Disputes - Primary Residence
Neighbor Disputes - Secondary Residence
Easement
Zoning and Variances
Building Codes
Disputes with a Landlord - Contracts Lease Eviction Deposits
Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)
Minor Traffic - Unlimited (Excluding DWI)
Driving Privilege Restoration (Excluding DWI)
Driving Privilege Protection (Excluding DWI)
Financial ServicesFinancial Education and Counseling Services
ImmigrationImmigration Services
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Premium RateFamily Biweekly $715 $1108
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
25
An additional way to save in your plan
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you
How the Roth 401(k) compares with a traditional pretax 401(k)
Just as with a traditional pretax 401(k)
bull You elect how much of your salary you wish to contribute
bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits
bull Your contribution is based on your eligible compensation
Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now
Who might benefit from a Roth 401(k)
A Roth 401(k) could be a good option for
bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings
bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement
bull Employees who want to leave tax-free money to their heirs
Taxes Pay now or pay later
Traditional Pretax 401(k) Roth 401(k)
Employee contributions Pretax dollarsAfter-tax dollars
Employee withdrawalsTaxable upon
withdrawalTax free upon withdrawal
In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution
About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions
Roth 401(k) option offerstax-free retirement income
ACTION PLANbull Read this information about the Roth 401(k) option
bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
26
1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a
question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income
Generally
bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes
bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)
bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement
2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making
maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would
3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth
account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime
4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum
income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions
The Roth 401(k) Is it right for you Four questions to ask yourself
The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan
with the advantage of avoiding taxes on your money when you withdraw it at retirement
If you answer yes to some or all of these questions a Roth 401(k) might be right for you
Things to remember
bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)
bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions
Sallyrsquos story
Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month
Roth 401(k)dagger
Traditional Pretax 401(k)dagger
Sallyrsquos monthly contribution into each account
$200 $200
Sallyrsquos reduction in take-home pay is different
$200 $150
daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation
27
It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations
Decision checklist
1 Do you expect to be in a higher tax bracket inretirement than you are now
Yes No
2 Can you afford to maximize your contributions now Yes No
3 Do you want to leave tax-free money to your heirs Yes No
4 Do you earn too much to be eligible for a Roth IRA Yes No
If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you
Make an informed decision for your retirement readiness
Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future
HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the
Library tab
bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative
bull Contact a tax professional for specific advice onyour personal situation