LM_SW_Benefits Guide 2024

Welcome Central National Gottesman Inc. is pleased to provide employees with comprehensive health and welfare benefits and retirement programs.* This brochure contains benefit summaries for the health and welfare programs available to you effective January 1, 2024 through December 31, 2024. It also describes the steps you need to take to make any changes to your benefit options during the Company’s annual open enrollment period. These summaries highlight some of the benefits available under your plans. A complete coverage description including exclusions and limitations will be provided in your Group Service Agreements or Certificates. The Company will offer the following health and welfare programs for 2024: • Medical Insurance: Cigna HSA and Cigna Open Access Plus In-Network Only • Dental Insurance: Delta Dental PPO and Cigna Dental Care (DHMO) • Life Insurance: Lincoln Financial Group Term Life Insurance, Optional Term Life Insurance and Accidental Death & Dismemberment (AD&D) • Voluntary Long-Term Disability Insurance (LTD): Lincoln Financial Group • Flexible Spending Account - Full Purpose (FSA), Limited Purpose (LPFSA); Dependent Care FSA (DCFSA); Commuter Benefits (CBFSA): Benefit Resource, Inc. (BRI) • Vision Insurance: Vision Exam Only: Cigna; Vision

Exam/Materials: Superior Vision by MetLife • Employee Assistance Program (EAP): Cigna • Pet Insurance: Nationwide WHAT’S NEW FOR 2024? EXPANDED TIER COVERAGE • We have moved from a two-tier coverage level to four tiers – Employee, Employee + Spouse, Employee + Child(ren), or Family. ADDITIONAL MEDICAL OAP-IN PLAN OFFERING • Effective January 1 st , a second medical plan option will be offered through our partnership with Cigna. Page 5. NEW CIGNA I.D. CARD • All participants in Cigna medical plans will receive a new I.D. card in the mail. • To download a temporary I.D. card, please visit www.myCIGNA.com. NURSEVIP ℠ • Effective January 1st, we are introducing NurseVIP ℠ , an extension of BenefitsVIP ® , offering RN consultation and assistance. Page 19. LINCOLN FINANCIAL • Effective January 1st, Lincoln Financial replaces UNUM and New York Life as our life and disability insurance administrator. Page 15.

IMPORTANT NOTES • This year’s Open Enrollment will be an ACTIVE enrollment for medical insurance plans. This means you MUST enter the ADP portal to RE-ELECT your medical insurance benefit choice. You may also make new plan elections and add or remove dependents from any of your other coverage. • You must make an ACTIVE election for the Full Purpose (FSA) or Limited Purpose Flexible Spending Accounts (LPFSA), and Dependent Care (DCFSA). These accounts reset to zero each plan year. • Participants must not be enrolled in any part of Medicare in order to make or receive contributions to an HSA. Please contact HR to coordinate your Medicare enrollment. • Verify all dependents (including spouses) enrolled in medical benefits meet the definition of an eligible dependent by the plan. Only dependents who satisfy the plan’s eligibility definition can be covered under the plan. Please see page 4 for more information. • Commuter Plan FSA: Allows for pre-tax contributions towards qualified workplace mass transit and parking expenses. See page 14 for details.

*Information about retirement programs is made available separately.

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QUESTIONS? Call BenefitsVIP ® at 866.286.5354