Employee Benefit Guide This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract. • Introduction 3 • Overview of Benefits Programs 4 • Medical Benefits 6 • Dental Benefits 9 • Vision Benefits 10 • Life Insurance 11 • Short - term Disability Insurance 12 • Health Savings Account (HSA) 13 • Flexible Spending Account (FSA) 14 • Value of Pre - Tax Benefits 15 • Telemedicine 16 • Legal Notices 17 • Contact Page 26 • Notes Page 27 Table of Contents Benefits f or 2022 2