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You must actively enroll

In order to participate in any of the available the Flexible Spending Accounts (FSA), you must make an active election each year, even if you participated in the prior year. If you do not elect to contribute during the Open Enrollment period, you will default to $0.00 for the 2026 plan year.

Important to understand

1. You may only use your FSA funds to pay for:
   – Eligible healthcare expenses incurred through December 31 of that year for the Healthcare FSA or Limited Purpose FSA.
   – Eligible dependent care expenses incurred through December 31 of that year for the Dependent Care FSA.
   Note: you must be employed with �鶹�� or be a retiree with an HRA at the time the eligible expense was incurred.
2. $680 carryover option for the Healthcare FSA and Limited Purpose FSA only. This means that you can carry over up to $680��of the remaining unused amount. Your Healthcare FSA or Limited Purpose FSA (as applicable) to the following plan year to be used for eligible healthcare expenses. Those funds can be rolled over into:
   –The Healthcare FSA, if you participate in a medical plan from a source that is not �鶹��, or
   –The Limited Purpose FSA, if you choose to enroll in either of the �鶹�� CDHP medical plan options (Core or Core Plus).
   Note: The $680��carryover does not apply to the Dependent Care FSA. Eligible dependent care expenses must be incurred by December 31 of the plan year.
3. The “use it or lose it” rule still applies. This means that any Healthcare FSA or Limited Purpose FSA balance above $680��will be forfeited after December 31 of each year. However, for eligible expenses incurred in the Healthcare FSA or Limited Purpose FSA (as applicable) in 2026 prior to December 31, 2026, you may submit a claim to get reimbursed for these expenses up to the following June 30.
   Since there is no $680��carryover option for the Dependent Care FSA, any unused balance left in the Dependent Care FSA will be forfeited after December 31 of each year. However, for eligible expenses incurred in the Dependent Care FSA in 2026 prior to December 31, 2026, you may submit a claim to get reimbursed for these expenses up to the following June 30.
4. You may submit a claim up to June 30 of the following year to get reimbursed for any eligible expenses incurred prior to December 31 of the preceding year.
   
5. �鶹�� will contribute to your Dependent Care FSA.��If you're eligible and participate in the Dependent Care FSA, �鶹�� will match 100% of your contribution up to $1,000 per year to your FSA to offset dependent day care expenses. To be eligible for the matching contribution from �鶹��, your Benefits Base Salary (BBS) must be under $100,000 as of January 1, 2026.

Access your disability claims with .

Critical Illness insurance provides financial protection by providing a lump-sum benefit upon diagnosis of a covered critical illness. The benefit proceeds can be used to pay for any type of expense. This is a voluntary benefit and employees pay the full cost. To be eligible, you must be enrolled in medical coverage (whether through a �鶹��-sponsored medical plan or elsewhere). Your dependent children are also eligible for coverage, at no additional cost.

You must actively enroll (and add dependents to your coverage, if applicable) during the Open Enrollment period for you (and your dependents) to have coverage.

Please note: Critical Illness insurance does not replace your medical coverage.

�鶹�� will contribute to your Dependent Care FSA.��If you're eligible and participate in the Dependent Care FSA, �鶹�� will match 100% of your contribution up to $1,000 per year to your FSA to offset dependent day care expenses. To be eligible for the matching contribution from �鶹��, your Benefits Base Salary (BBS) must be under $100,000 as of January 1, 2026.

The Group Legal Plan, administered by MetLife Legal Plans, provides quick, easy and affordable access to legal assistance.��Eligible services received from in-network attorneys are covered at 100%.

MetLife’s Plus Parents allows you to cover your parents, parents-in-law, and grandparents for many common legal issues. The convenient payroll deduction will cover attorney’s fees for covered matters.

The Reproductive Assistance Law coverage grants you 20 hours of legal services and court work related to reproductive assistance matters.

See the �鶹�� Plan Overview for more information.