May 2022 - April 2023

BENEFIT GUIDE
 Inside the
Guide

Welcome .......................................................................................................................3
Benefit Resource Center ..............................................................................................4
Mobile App ....................................................................................................................5
Carrier Contacts............................................................................................................6
Eligibility ........................................................................................................................7
Medical .........................................................................................................................8
Rx ‘n Go Pharmacy ......................................................................................................11
Right Care ....................................................................................................................12
RecoveryOne................................................................................................................13
Cigna EAP ....................................................................................................................14
Dental............................................................................................................................16
Vision............................................................................................................................20
Flexible Spending Account (FSA)................................................................................23
Retirement Plans ..........................................................................................................24
Life Insurance ..............................................................................................................25
Disability Insurance......................................................................................................26
Voluntary Benefits........................................................................................................27
MotivateMe Wellness Incentive Program......................................................................30
Health Care Spousal Surcharge Form..........................................................................31
Tobacco Use Affidavit ...................................................................................................32

This summary is not a legal document and does not replace or supersede the “Evidence of Coverage”, policy, or the Summary Plan Description.
Please refer to the Evidence of Coverage/insurance policy/Summary Plan Description for a complete description of the coverage, eligibility criteria,
controlling terms, exclusions, limitations, and conditions of coverage.

Engineering Consulting Services reserves the right to terminate, suspend, withdraw, reduce, or modify the benefits described in the Evidence of
Coverage/policy/Summary Plan Description in whole or in part, at any time. No statement in this or any other document and no oral representation
should be construed as a waiver of this right. This summary is the confidential property of Engineering Consulting Services.
Welcome

At ECS we recognize our ultimate success depends on our talented and dedicated
workforce. We understand the contribution each employee makes to our
accomplishments and so our goal is to provide a comprehensive program of competitive
benefits to attract and retain the best employees available.

Through our benefits programs we strive to support the needs of our employees and their
dependents by providing a benefit package that is easy to understand, easy to access
and affordable for all our employees. This Benefit Guide will help you choose the type of
plan and level of coverage that is right for you.
 Benefit Resource Center
Your one-call benefits information hotline
Our Benefit Resource Center is staffed with experienced professionals who are well-
versed in employee benefits. They are committed to providing superior customer
service and participant advocacy.

How Can the BRC help?

Eligibility Support Plan Support - Pharmacy

▪ Confirm plan eligibility with carrier ▪ Educate participants on Rx drug plans
▪ Assist in resolving eligibility issues ▪ Help with issues obtaining Rx’s at the
▪ Explain plan eligibility based on life pharmacy with appropriate overrides
events ▪ Locate lower cost sources for prescription
Plan Support drugs
▪ Answer questions regarding general
▪ Provide information on generic drugs
plan inquiries for health, dental and
Claim Support
vision
▪ Research/resolve claims denials and
▪ Provide employee advocacy services
processing errors
▪ Confirm and explain plan coverage
▪ Provide payers with additional information
including Medical, Dental, Ancillary,
required to pay a claim
and Supplemental benefits.
▪ Research patient out-of-pocket expenses
▪ Specialist support for complex issues
▪ Discuss FSA plans and eligible
expenses
▪ Medical appeals information and
support

▪ Provide contact information for

carriers and other benefit service
providers
▪ Locate network providers
 Mobile App

MyBenefits2GO!
Benefit information at your fingertips.

To access the upcoming plan year

information, download the new
MyBenefits2GO app to view plan
contact information, key plan
documents and more.

Engineering Consulting Services

(ECS)
Enter this code when prompted:

X82941

Switching is easy as 1,2,3! What’s New?

Easier to Access and Share ID Cards
1. Download MyBenefits2GO from the ID cards can be accessed through the main
App Store or Google Play store menu and emailed with the click of a button.

Updated Navigation
2. Enter the new access code listed Finding what you need is easier than ever with
above improved navigation functionality.

New Look
3. Start using the new app! The design within the app has been updated
to be more modern.
Carrier Contacts
Policy Phone Number Website / Email

Benefit Engineering
855-874-6699 BRCEast@usi.com
Resource Center Consulting Services
Engineering
Mobile App Code: X82941 MyBenefits2GO app
Consulting Services

CIGNA

Medical 3334666 800-244-6224 www.mycigna.com

Dental 3334666 800-244-6224 www.mycigna.com

Vision 3334666 800-244-6224 www.mycigna.com

Employee Assistance
ECS 877-622-4327 www.mycigna.com
Program
Flexible Spending
3334666 800-244-6224 www.mycigna.com
Account (FSA/DCA)

THE HARTFORD LIFE INSURANCE COMPANY

Group Term Life/AD&D GL 402252 888-563-1124 www.thehartford.com/mybenefits

Supplemental Life
Short Term Disability STD 402109 www.thehartford.com/mybenefits
800-549-6514
Long Term Disability LTD 402252
www.thehartford.com/mybenefits
Family Medical Leave (FML) 402109 800-549-6514

Accident, Critical, Hospital 402252 866-547-4205 www.thehartford.com/benefits/myclaims

OTHER BENEFITS

401(k) 344052-01 800-204-3731 www.myretirement.americanfunds.com

ECS Anonymous
N/A 877-208-8205 www.reportlineweb.com/ECS
Concern Hotline

Employee Stock www.esopconnection.com/engico

N/A N/A
Ownership Plan ns/index.php?module=gsyel
 Eligibility

Eligible Employees ($50 weekly). An affidavit is provided for your use in the
back of this booklet.
You may enroll in the ECS Employee Benefits Program if
you are a regular full-time or part-time employee who is When Coverage Begins
actively working 30 plus hours per week.
Newly hired employees and dependents will be effective
Eligible Dependents in ECS’s benefits programs on the first day of the month
following the date of eligibility. If you are hired with an
Dependents are:
introductory period, you will become eligible for benefits the
• Your lawful spouse; and
first of the month after successfully completing the
• Any child of yours who is: introductory period. If you are hired without an introductory
○ Less than 26 years old. period, your benefits will be effective on the 1st of the
○ 26 or more years old, unmarried, and primarily month following date of hire. Employees may be required
supported by you and incapable of self-sustaining to meet certification requirements to successfully complete
employment by reason of mental or physical their introductory period. All elections are in effect for the
disability which arose while the child was covered as entire plan year and can only be changed during Open
a Dependent under this Plan, or while covered as a Enrollment, unless you experience a family status event.
dependent under a prior plan with no break
in coverage. Family Status Change
○ Proof of the child’s condition and dependence must A change in family status is a change in your personal
be submitted to Cigna within 30 days after the date life that may impact your eligibility or dependent’s eligibility
the child ceases to qualify above. From time to time, for benefits. Examples of some family status changes
but not more frequently than once a year, Cigna may include:
require proof of the continuation of such condition
• Change of Legal Marital Status (i.e., marriage,
and dependence. divorce, death of spouse, legal separation)
○ The term child means a child born to you or a child • Change in Number of Dependents (i.e., birth,
legally adopted by you. It also includes a stepchild,
adoption, death of dependent, ineligibility due to age)
a foster child, or a child for whom you are the
legal guardian. • Change in Employment or Job Status (spouse loses
job, etc.)
Benefits for a Dependent child will continue until the last
day of the calendar month in which the limiting age is If such a change occurs, you must make the changes to
reached. Anyone who is eligible as an Employee will not be your benefits within 30 days of the event date.
considered as a Dependent. No one may be considered Documentation may be required to verify your change
as a Dependent of more than one Employee. of status. Failure to request a change of status within 30
days of the event may result in your having to wait until the
Working Spouse Provision next open enrollment period to make your change. Please
contact HR to make these changes.
If your spouse can purchase coverage through his
or her employer, and they join the ECS plan, you
will be required to pay an additional $100 bi-weekly
Medical
ECS will continue to offer three medical plan options administered by Cigna. The chart on the following page is a brief
outline of the plan. Please refer to the Summary Plan Description (SPD) for complete plan details.

How Each Plan Works

• Cigna is one of the largest health insurance companies that offers a National Network.
• All plan options provided to you by ECS allow you and your dependents to access Network and Non-Network
providers. No matter where you are in the country, a Cigna Open Access Plus Network provider, pharmacy,
hospital, and convenience care clinic are likely nearby.
ECS offers a Base, Standard and Premium plans that all provide different levels of coverage and have different payroll
deduction costs associated with them.
These plans are all on Cigna’s Open Access Plus Network, so even if you must switch plans within ECS, you still have
access to the same providers.

Telemedicine – MDLIVE with Cigna

Telemedicine is provided to you through the ECS Cigna Plans. Telemedicine which gives you 24/7 access to US board-
certified doctors through the convenience of phone or video consults. It’s an affordable alternative to costly urgent care
and ER visits when you need care right away. It is a helpful service if you are on vacation, a business trip or away from
home. The providers can treat many medical conditions, including cold & flu symptoms, allergies, urinary tract infection,
sinus problems, and more! You can talk to a doctor anytime! ECS copay is $0.
 Medical Comparison

Base Plan Standard Plan Premium Plan

In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network

Annual Deductible
Individual $2,000 $4,000 $500 $750 $300 $500
Family $4,000 $8,000 $1,000 $1,500 $600 $1,250
Coinsurance 80% 60% 80% 70% 90% 80%
Maximum Out-of-Pocket*
Individual $5,600 $10,000 $4,750 $6,500 $2,500 $5,000
Family $10,200 $20,000 $9,500 $13,000 $5,000 $10,000
Lifetime Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
Physician Office Visit
Primary Care $35 Copay 60% $25 Copay 70% $15 Copay 80%
Specialty Care $35 Copay 60% $25 Copay 70% $15 Copay 80%
Surgery Performed in 60% 70% 80%
$35 Copay $25 Copay $15 Copay
Physician’s Office
Urgent Care $35 Copay $35 Copay $25 Copay $25 Copay $15 Copay $15 Copay

Allergy Treatment/Injections 80% 60% 80% 70% 90% 80%

Allergy Serum 100% 60% 100% 70% 100% 80%
Preventive Care
Preventive Care - Children (birth
to age 19) 100% 100% 100% 100% 100% 100%

Immunizations - Children (birth to

100% 100% 100% 100% 100% 100%
age 19)
Preventive Care - Adults (age 19
and above) 100% 60% 100% 70% 100% 80%

Immunizations - Adults (age 19

and above) 100% 60% 100% 70% 100% 80%

Mammogram, PAP, and PSA

Tests 100% 60% 100% 70% 100% 80%

Inpatient
Inpatient Hospital Facility 80% 60% 80% 70% 90% 80%
Semi-Private Room 80% 60% 80% 70% 90% 80%
Private Room 80% 60% 80% 70% 90% 80%
Special Care Units (Intensive
Care Unit (ICU), Critical Care 80% 60% 80% 70% 90% 80%
Unit (CCU)
Inpatient Hospital Physician’s
Visit/ Consultation 80% 60% 80% 70% 90% 80%

Inpatient Professional Services 80% 60% 80% 70% 90% 80%

Outpatient
Outpatient Facility Services 80% 60% 80% 70% 90% 80%
Outpatient Professional Services 80% 60% 80% 70% 90% 80%
Short-Term Rehabilitation 80% 60% 80% 70% 90% 80%
Other Health Care Facilities/Services
Home Health Care 80% 60% 80% 70% 90% 80%
Skilled Nursing Facility,
Rehabilitation 80% 60% 80% 70% 90% 80%
Hospital, Sub-Acute Facility
Durable Medical Equipment 80% 60% 80% 70% 90% 80%
Breast Feeding Equipment and 60% 100%
Supplies 100% 100% 70% 80%
External Prosthetic Appliances 80% 60% 80% 70% 90% 80%
(EPA)
Routine Foot Disorders Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
Hearing Aid 80% 60% 80% 70% 90% 80%
Emergency Room $150 Copay $150 Copay $150 Copay $150 Copay $150 Copay $150 Copay
Oral Surgery-Impacted Wisdom
80% 60% 80% 70% 90% 80%
Teeth
Wigs 80% 80% 80% 80% 90% 90%
Pharmacy
Rx Maximum Out-of-Pocket
Individual $1,000 N/A $1,000 N/A $1,000 N/A
Family $3,000 N/A $3,000 N/A $3,000 N/A
Retail Pharmacy (30 Day Supply)
Generic $10 Copay Not Covered $10 Copay Not Covered $10 Copay Not Covered
Preferred $30 Copay Not Covered $30 Copay Not Covered $30 Copay Not Covered
Non-Preferred $50 Copay Not Covered $50 Copay Not Covered $50 Copay Not Covered
Specialty 20% Not Covered 20% Not Covered 20% Not Covered
Home Delivery Pharmacy (90 Day Supply)
Generic $20 Copay Not Covered $20 Copay Not Covered $20 Copay Not Covered
Preferred $60 Copay Not Covered $60 Copay Not Covered $60 Copay Not Covered
Non-Preferred $100 Copay Not Covered $100 Copay Not Covered $100 Copay Not Covered
Specialty 20% Not Covered 20% Not Covered 20% Not Covered
Medical Employee Contributions - Weekly
Base Plan Standard Plan Premium Plan
Non-Smoker Smoker Non-Smoker Smoker Non-Smoker Smoker
Employee Only $26.00 $36.00 $36.50 $46.50 $71.00 $81.00
Employee & Spouse $92.00 $102.00 $119.00 $129.00 $195.50 $205.50
Employee & Child(ren) $76.00 $86.00 $99.50 $109.50 $172.50 $182.50
Employee & Family $145.50 $155.50 $174.50 $184.50 $279.00 $289.00
Medical Employee Contributions - Bi-Weekly
Base Plan Standard Plan Premium Plan
Non-Smoker Smoker Non-Smoker Smoker Non-Smoker Smoker
Employee Only $52.00 $72.00 $73.00 $93.00 $142.00 $162.00
Employee & Spouse $184.00 $204.00 $238.00 $258.00 $391.00 $411.00
Employee & Child(ren) $152.00 $172.00 $199.00 $219.00 $345.00 $365.00
Employee & Family $291.00 $311.00 $349.00 $369.00 $558.00 $578.00
Rx ‘n Go Pharmacy
As part of your benefits, you have the option to receive up to a 90-day supply of generic maintenance medication by mail at
no cost to you ($0 copay, $0 shipping) through a convenient program called, Rx ‘n Go.

• ~1,300 generic medications covered on the PPO Plan – for FREE

• Prodigy® diabetic monitor and test strips available – for FREE
• Engineering Consulting Services pays 100% of the cost

After registering your profile and prescription, your medication(s) will arrive in the mail in 5-7 business days. It’s that easy!

*If you would like Rx 'n Go to transfer an existing prescription with refills, please include that detail in the checkout cart on
the self-service portal. Otherwise, the pharmacy, GoGoMeds, can reach out to your doctor to request a new prescription.
The Right Care at the Right Place
There are many options for getting care, so how do you choose? The information guide below helps you
understand where to go and when to go!

Where to get Care? What it is Type of Care?

Primary Care • Checkups
Visit a doctor’s office when you • Minor injuries
Provider need a preventive or routine • Minor skin conditions
(Doctor Visits) care. (example: poison ivy)
• General health management
Base Plan Copay $35
• Common infections such as
Standard Plan Copay $25
strep throat.
Premium Plan Copay $15

Virtual Visits • Allergies

A virtual visit lets you see a • Bladder infections
Copay for Telemedicine with
doctor via your smartphone, • Bronchitis
MDLIVE is $0 for all 3 Cigna
tablet, or computer. • Cough/Colds
plans. • Diarrhea
• Fever
• Pink eye
• Rashes
• Seasonal flu
• Sinus problems
• Sore throats
• Stomach aches

Urgent Care • Sprains

Urgent care is ideal for when • Strains
Base Plan Copay $35
need care quickly, but it is not • Small cuts that may need a
an emergency (and your doctor few stitches
Standard Plan Copay $25
isn’t available). Urgent care • Minor burns
Premium Plan Copay $15
centers treat issues that are not • Minor infections
life threatening. • Minor broken bones.

Emergency Room • Heavy bleeding

The ER is for life-threatening or • Large open wounds
Copay is $150 for all 3 Cigna very serious conditions that • Sudden change in vision
plans. require immediate care. This I • Chest pain
also when to call 911. • Sudden weakness or trouble
talking
• Major burns
• Spinal injuries
• Severe head injuries
• Breathing difficulty
• Major broken bones
 Help improve your health with RecoveryOne™
physical therapy through Cigna

Physical Therapy Reinvented.

More effective. More Convenient. More affordable

Simple. Easy to Use.

RecoveryOne™ was developed by a nationally recognized orthopedic surgeon to make physical

therapy both more accessible and effective. This online program can be used with a tablet
or a smartphone. Contact Cigna for more details on how to participate and utilize this program.
Cigna Employee Assistant Program

REAL LIFE SUPPORT FOR REAL LIFE

Call us anytime, any day.

When you experience life’s challenges, our Employee Assistance Program (EAP) is here
to help. Our Library of programs and services are a great place to start. If you can’t seem
to find what you are looking for, we’re just a click or call away.

We’re here when you need us 24/7/365. Our dedicated personal advocates can get you the
information you need and guide you toward the right solution.

We can:
• Access your needs and find a solution to help resolve your concerns
• Get you the help you need when you’re in a crisis
• Provide up to 5 face to face or video-based sessions per issue per year with
EAP Professional
• Connect you with the right mental health or substance abuse use resources in your plan’s
network
• Direct you to a variety of helpful resources in the community
• Show you how to get discounts on many health and wellness products through the
Healthy Rewards® Program

Get the support you need conveniently online. Search for an EAP professional
in your network.

• Get educational materials on almost any work or life issues

• Take a self-assessment to see how you’re doing
• Take advantage of the Savings Center – free program for everyday
savings of up to 25% on name brands and luxury items.
• Access our interactive tools and much more!
Cigna Employee Assistant Program
Everyday Resources

Adoption:
Adopting a child is one of the most wonderful times in an adoptive
parent’s life. But it can also be stressful. Our adoption services
provide all the support you need to help find the right adoption
specialists and support groups to get you headed in the right
direction

Children and Families:

• Parenting: receive guidance on child development, sibling rivalry,
separation anxiety and much more.
• Prenatal Care: Get the information you need for a healthier
pregnancy and delivery
• Child Care: whether you need all day care or just after school
care, find a place that’s right for you and your family.
• Children with Special Needs: Let us help you better understand
care for your unique family needs
• Summer Care: Our summer care services provide parents with
the resource to help find the right summer camps and programs
for your children

Education:
We understand the importance of your child’s education. That’s why
we offer a full suite of education services for parents. From
kindergarten to public schools to special programs and college
preparation, we’ll get the information you need to make the best
decisions throughout your child’s life.

Additional Resources with the Cigna Employee Assistance Program:

• Financial Services
• Convenience Services
• Identity Theft
• Legal
• Pet Care
• Senior Care
Dental
ECS offers a dental plan through Cigna. The chart of the following page provides a brief outline of the plan. Please refer to
the Summary Plan Description (SPD) for complete plan details.

Dental PPO Plan

The Cigna Dental PPO Network gives you access to a network of dentists that have agreed to a discount payment schedule.
You are not required to designate a Primary Care Dentist, and you have the choice to select any participating network
dentist. You may choose to obtain services from a non-network provider; however, your out-of-pocket costs will be higher,
and your annual maximum benefit will be lower. To locate a participating dental care provider, go to www.mycigna.com .

Prevent 1 6 Things a Dental

cavities Cleaning Can Do for You
Reduce your
risk of tooth
decay.
2
Stop tooth
loss
Fight gum Brighten 3
disease. your smile
Remove stains
from your teeth.

4
6 Freshen your
breath
Save money
5 Stop odor at the
source.
Be proactive to
help avoid costly Boost your over-
procedures down all health
the road. Lower your risk of
systemic disease.
Cigna Dental Benefit Summary

Cigna Dental PPO

In-Network: Non-Network:
Network Options
Total Cigna DPPO Network See Non-Network Reimbursement

Reimbursement Levels Based on Contracted Fees 90% UCR *

Calendar Year Benefits Maximum
Applies to: Class I, II, & III expenses $1,500 $1,500
Calendar Year Deductible
Individual $50 $50
Family $150 $150
Benefit Highlights Plan Pays You Pay Plan Pays You Pay
Class I: Diagnostic & Preventive
Oral Evaluations
Prophylaxis: routine cleanings
X-rays: routine 100% 100%
X-rays: non-routine Fluoride Application No Deductible No Charge No Deductible No Charge
Sealants: per tooth
Space Maintainers: non-orthodontic
Emergency Care to Relieve Pain
Class II: Basic Restorative
Restorative: fillings Endodontics: minor
and major Periodontics: minor and major 80% 20% 80% 20%
Oral Surgery: minor and major After Deductible After Deductible After Deductible After Deductible
Anesthesia: general and IV sedation
Denture Relines, Rebases and
Adjustments
Class III: Major Restorative
Inlays and Onlays
Prosthesis Over Implant
50% 50% 50% 50%
Crowns: permanent cast and porcelain After Deductible After Deductible After Deductible After Deductible
Bridges and Dentures
Repairs: Bridges, Crowns, and Inlays
Repairs: Dentures
Class IV: Orthodontia
Coverage for Dependent Children up to 50% 50% 50% 50%
age 19 No Deductible No Deductible No Deductible No Deductible
Lifetime Benefits Maximum: $1,500
Class V: TMJ
100% 0% 100% 0%
No Deductible No Deductible No Deductible No Deductible
Annual Benefits Maximum: $350

Benefit Plan Provisions:

For services provided by a Cigna Dental PPO network dentist, Cigna Dental will reimburse the
In-Network Reimbursement dentist according to a Fee Schedule or Discount Schedule.

For services provided by a non-network dentist, Cigna Dental will reimburse according to the
Non-Network Reimbursement Maximum Reimbursable Charge. The MRC is calculated at the 90th percentile of all provider
charges in the geographic area. The dentist may balance bill up to their usual fees.

All deductibles, plan maximums, and service specific maximums cross accumulate between in and
Cross Accumulation out of network. Benefit frequency limitations are based on the date of service and cross accumulate
between in and out of network.
 The plan will only pay for covered charges up to the yearly Benefits Maximum, when applicable.
Benefit-specific Maximums may also apply.
Calendar Year Benefits Maximum
This is the amount you must pay before the plan begins to pay for covered charges, when
applicable. Benefit-specific deductibles may also apply.
Calendar Year Deductible
Pretreatment review is available on a voluntary basis when dental work more than $200 is proposed.
Pretreatment Review
When more than one covered Dental Service could provide suitable treatment based on common
dental standards, Cigna HealthCare will determine the covered Dental Service on which payment will
Alternate Benefit Provision be based and the expenses that will be included as Covered Expenses.

Cigna Dental Oral Health Integration Program offers enhanced dental coverage for customers with
the following medical conditions: diabetes, heart disease, stroke, maternity, head and neck cancer
radiation, organ transplants and chronic kidney disease. There’s no additional charge for the
program, those who qualify get reimbursed 100% of coinsurance for certain related dental
procedures. Eligible customers can also receive guidance on behavioral issues related to oral health
and discounts on prescription and non- prescription dental products. Reimbursements under this
program are not subject to the annual deductible but will be applied to and are subject to the plan
annual maximum. Discounts on certain prescription and non-prescription dental products are
available through Cigna Home Delivery Pharmacy only, and you are required to pay the entire
discounted charge. For more information including how to enroll in this program and a complete list
Oral Health Integration Program (OHIP) of program terms and eligible medical conditions, go to www.mycigna.com or call customer service
24/7 at 1. 800.CIGNA24.

Timely Filing Out of network claims submitted to Cigna after 365 days from date of service will be denied.

Benefit Limitations:

Oral Evaluations 2 per calendar year

X-rays (routine) Bitewings: 2 per calendar year

Complete series of radiographic images and panoramic radiographic images: Limited to a

combined total of 1 per 36 months
X-rays (non-routine)
Diagnostic Casts Payable only in conjunction with orthodontic workup

Cleanings 2 per calendar year, including periodontal maintenance procedures following active therapy

Fluoride Application 2 per calendar year for children under age 19

Sealants (per tooth) Limited to posterior tooth. 1 treatment per tooth every 36 months for children underage 16

Space Maintainers Limited to non-orthodontic treatment for children underage 19

Replacement every 60 months if unserviceable and cannot be repaired. Benefits are based on the
amount payable for non-precious metals. No porcelain or white/tooth-colored material on molar
Inlays, Crowns, Bridges, Dentures and Partials crowns or bridges.

Denture and Bridge Repairs Reviewed if more than once

Denture Relines, Rebases and Adjustments Covered if more than 6 months after installation

Replacement every 60 months if unserviceable and cannot be repaired. Benefits are based on the
amount payable for non-precious metals. No porcelain or white/tooth-colored material on molar
Prosthesis Over Implant crowns or bridges.

* 90% UCR means 90% of the dentists in your zip code would charge that amount or less for the procedure.
 Benefit Exclusions: Covered Expenses will not include, and no payment will be made for the following:
• Procedures and services not listed under Benefit Highlights.
• Diagnostic: cone beam imaging; Preventive Services: instruction for plaque control, oral hygiene, and diet.
• Restorative: Veneers of porcelain or acrylic materials on crowns or pontics on or replacing the upper and lower first,
second and/or third molars.
• Periodontics: bite registrations; splinting; Prosthodontic: precision or semi-precision attachments.
• Implants: implants or implant related services.
• Procedures, appliances, or restorations, except full dentures, whose main purpose is to: change
vertical dimension; stabilize periodontally involved teeth; or restore occlusion.
• Athletic mouth guards; Replacement of a lost or stolen appliance; Services performed primarily for cosmetic
reasons; Personalization.
• Services that are deemed to be medical in nature; Services and supplies received from a hospital; Drugs:
prescription drugs
• Charges in excess of the Maximum Reimbursable Charge
• Contracted providers are not obligated to provide discounts on non-covered services and may charge
their usual fees.

Dental Employee Contributions

Weekly Bi-Weekly
Employee Only $5.50 $11.00
Employee & Spouse $10.00 $20.00
Employee & Child(ren) $11.00 $22.00
Employee & Family $13.00 $26.00
Vision
Cigna Vision - Standard PPO Comprehensive Plan

Vision Plan
Benefit Coverage In-Network Out-Of-Network Frequency Period **
Exam Copay $0 N/A 12 months

Exam Allowance (once per frequency period) Covered 100% after Copay Up to $45 12 months

Materials Copay $10 N/A 12 months

Eyeglass Lenses Allowances:

(One pair per frequency period)
Single Vision Covered 100% Up to $40 12 months
Lined Bifocal Covered 100% Up to $65 12 months
Lined Trifocal Covered 100% Up to $75 12 months
Progressive Covered 100% Up to $75 12 months
Lenticular Covered 100% Up to $100 12 months
Contact Lenses Allowances:
(one)
Elective
ir or single purchase per frequency period) $150 Up to $120 12 months
Therapeutic Covered 100% Up to $210 12 months
Frame Retail Allowance (one per frequency Up to $150 Up to $83 12 months
period)
** Your Frequency Period begins on January 1 (Calendar year basis)

Vision Employee Contributions

Weekly Bi-Weekly
Employee Only $2.50 $5.00
Employee & Spouse $4.50 $9.00
Employee & Child(ren) $4.50 $9.00
Employee & Family $4.50 $9.00

Definitions:
Copay: the amount you pay towards your exam and/or materials, lenses and/or frames. (Note: copays do not apply
to contact lenses).
Coinsurance: the percentage of charges Cigna will pay. Customer is financially responsible for the balance.
Allowance: the maximum amount Cigna will pay. Customer is financially responsible for any amount over the allowance.
Materials: eyeglass lenses, frames, and/or contact lenses.
• To receive in-network benefits, you cannot use this coverage with any other discounts, promotions, or prior orders.
• If you use other discounts and/or promotions instead of this vision coverage or go to an out-of-network eye care
professional, you may file an out-of-network claim to be reimbursed for allowable expenses.
In-Network Coverage Includes:
• One vision and eye health evaluation including but not limited to eye health examination, dilation, refraction, and
prescription for glasses.
• One pair of standard prescription plastic or glass lenses, all ranges of prescriptions (powers and prisms)
○ Polycarbonate lenses for children under 18 years of age
○ Oversize lenses
○ Rose #1 and #2 solid tints
○ Minimum 20% savings on all additional lens enhancements you choose for your lenses, including but not limited to:
scratch/ultraviolet/anti-reflective coatings; polycarbonate (adults,) all tints/photochromic (glass or plastic).
and lens styles.
• One frame for prescription lenses – frame of choice covered up to retail plan allowance, plus a 20% savings on amount
that exceeds frame allowance.
• One pair of contact lenses or a single purchase of a supply of contact lenses – in lieu of lenses and frame benefit,
(may not receive contact lenses and frames in same benefit year). Allowance applied towards cost of supplemental
contact lens professional services (including the fitting and evaluation) and contact lens materials
* Provider participation is 100% voluntary; please check with your Eye Care Professional for any offered discounts.

Coverage for Therapeutic contact lenses will be provided when visual acuity cannot be corrected to 20/70 in the better
eye with eyeglasses and the fitting of the contact lenses would obtain this level of visual acuity; and in certain cases of
anisometropia, keratoconus, or aphakis; as determined and documented by your Vision eye care professional. Contact
lenses fitted for other therapeutic purposes or the narrowing of visual fields due to high minus or plus correction will be
covered in accordance with the Elective contact lens coverage shown on the Schedule of Benefits.

Healthy Rewards® - Vision Network Savings Program:

• When you see a Cigna Vision Network Eye Care Professional*, you can save 20% (or more) on additional frames and/
or lenses, including lens options, with a valid prescription. This savings does not apply to contact lens materials. See
your Cigna Vision Network Eye Care Professional for details.

What’s Not Covered:

• Orthoptic or vision training and any associated supplemental testing
• Medical or surgical treatment of the eyes
• Any eye examination, or any corrective eyewear, required by an employer as a condition of employment
• Any injury or illness when paid or payable by Workers’ Compensation or similar law, or which is work-related
• Charges more than the usual and customary charge for the Service or Materials
• Charges incurred after the policy ends or the insured’s coverage under the policy ends, except as stated in the policy
• Experimental or non-conventional treatment or device
• Magnification or low vision aids not shown as covered in the Schedule of Vision Coverage
• Any non-prescription eyeglasses, lenses, or contact lenses
• Spectacle lens treatments, “add-ons”, or lens coatings not shown as covered in the Schedule of Vision Coverage
• Prescription sunglasses
• Two pair of glasses, in lieu of bifocals or trifocals
• Safety glasses or lenses required for employment not shown as covered in the Schedule of Vision Coverage
• VDT (video display terminal)/computer eyeglass benefit
• Claims submitted and received more than twelve (12) months from the original Date of Service

How to use your Cigna Vision Benefits

(Please be aware that the Cigna Vision network is different from the networks supporting our health/medical plans).
Finding a doctor. There are three ways to find a quality eye doctor in your area:
• Log in to myCigna.com, go to your Cigna Vision coverage page and select “View Details.” Then select “Find a Cigna
Vision Network Eye Care Professional” to search the Cigna Vision Directory.
• Don’t have access to myCigna.com? Go to Cigna.com and click on the orange Find a doctor tab at the top. Then
select “Vision Directory”, for routine eye exams and eyewear services, from the Other Directories listed below.
• Prefer the phone? Call the toll-free number found on your Cigna insurance card and talk with a Cigna Vision customer
service representative.
Schedule an appointment. Identify yourself as a Cigna Vision customer when scheduling an appointment. Present your
Cigna or Cigna Vision ID card at the time of your appointment, which will quickly assist the doctor’s office with accessing
your plan details and verifying your eligibility.

Out-of-network plan reimbursement. How to use your Cigna Vision Benefits

Send a completed Cigna Vision claim form and itemized receipt to: Cigna Vision, Claims Department: PO Box 385018,
Birmingham, AL 35238-5018.
To get a Cigna Vision claim form:
• Go to Cigna.com and go to Forms, Vision Forms
• Go to myCigna.com and go to your vision coverage page
Cigna Vision will pay for covered expenses within ten business days of receiving the completed claim form
and itemized receipt.
Flexible Spending Account (FSA)
The Flexible Spending Account (FSA) plan allows you to set aside pre-tax dollars to cover qualified expenses you would
normally pay out of your pocket with post-tax dollars. The plan is comprised of a health care spending account and a
dependent care account. You pay no federal or state income taxes on the money you place in an FSA.

How an FSA works

• Choose a specific amount of money to contribute each pay period, pre-tax, to one or both accounts during the year.
• The amount is automatically deducted from your pay at the same level each pay period.
• As you incur eligible expenses, you may use your flexible spending debit card to pay at the point of service OR submit
the appropriate paperwork to be reimbursed by the plan.

Important Rules to Keep in Mind

• The IRS has a strict “use it or lose it” rule. If you do not use the full amount in your FSA, you will lose any
remaining funds.
• Once you enroll in the FSA, you cannot change your contribution amount during the year unless you experience a
qualifying life event.
• You cannot transfer funds from one FSA to another.
• Please plan your FSA contributions carefully, as any funds not used by the end of the year will be forfeited. Re-
enrollment is required each year.

Maximum Annual Election

Health Care FSA $2,496

Dependent Care FSA $5,000
Retirement Plans
401(K)
Eligible employees can participate in the Plan when you have completed 3 months of service. For purposes of elective
deferrals, your Entry Date will be the first day of the Plan Year quarter following the date you satisfy the eligibility requirements.
ECS will match 100% of your contribution up to the first 4% you contribute. Administrative and record-keeping services for
this Plan are provided by Capital Bank and Trust Company and American Funds.
ECS’s 401(k) offers a variety of investment options. If you have a qualified plan with your previous employer, you have the
option to roll over and consolidate the funds into your current Plan. You may change or discontinue your contributions at
any time and do have the option to start making contributions again at any time.

Employees can contribute up to $20,500 to their 401(k) plan for 2022.

Anyone age 50 or over is eligible for an additional catch-up contribution of $6,500 in 2022.
More details can be found with the Plan Administrator.

ESOP
Eligible employees can participate in the Employee Stock Ownership Plan (ESOP) retroactively to the first day of the plan
year (January 1) or July 1 during the plan year in which you have competed one (1) year of service depending on when
you obtained one (1) year of service. You must be 18 to be eligible. Employees who are leased or covered by a collective
bargaining agreement are not eligible to participate.
This employee benefit plan is designed to provide Participants with an opportunity to accumulate capital for their retirement
needs. ECS set up a trust fund in which ECS contributes cash for the ESOP to purchase stock. The ESOP can also borrow
money to purchase stock. Shares in the trust are allocated to individual employee accounts. ESOPs have a significant
impact on overall retirement savings, which is significant because only a third of working adults feel as they have adequately
saved for retirement. ESOP benefits extend beyond the financial benefits. Studies show that shared capitalism improves
the employee’s well-being, leads to greater job security and retention, and increases trust in the firm and management.
Please refer to the ESOP FAQs and Summary Plan Description for other general questions.
 Life Insurance
Group Life and Accidental Death & Dismemberment (AD&D) Insurance
ECS provides Basic Life Insurance to all eligible employees through The Hartford. Upon meeting eligibility
requirements, you are automatically enrolled in Basic Life at no cost. Life insurance can protect your survivors
from financial difficulty in the event of your death. AD&D insurance can provide assistance if you suffer
accidental dismemberment or death resulting from an accident. Your employer provides, at no cost to you,
Basic Life and Accidental Death and Dismemberment Insurance in an amount equal to 1.5 times your annual
Earnings to a maximum of $300,000.

Supplemental Life Insurance & Voluntary AD&D

Employees who want to supplement their group life insurance benefits may purchase additional coverage. When
you enroll yourself and/or your dependents in this benefit, you pay the full cost through post-tax payroll deductions.
You must purchase Voluntary Life Insurance for yourself to purchase Voluntary Life Insurance for your spouse or
children. You can build a benefits plan that meets your needs and the needs of your family. ECS is committed to
providing a range of benefits from which you can choose. You are responsible for the total cost of these benefits.

Optional Life Insurance

Optional Life Insurance for you:
• Option 1= $50,000
• Option 2= $100,000
• Option 3= $200,000
• Option 4= $300,000
• Option 5= $400,000
• Option 6= $500,000
• Option 7= $750,000

Optional Life Insurance for your Spouse:

• $10,000, $20,000, $30,000, $40,000 or $50,000, $100,000 or $200,000 for coverage

• Spousal coverage cannot exceed 100% of the voluntary employee amount.

Optional Life Insurance for your child:

• Live Birth to age 19, unless enrolled in as a full-time student under the age 25 = $10,000
Disability Insurance
Disability Insurance
In the event you are unable to work because of an illness or injury, ECS provides disability insurance through Hartford. The
plans offer income protection and will replace a portion of your earnings while you are unable to work. If your disability
extends beyond 12 weeks, you will be eligible to receive Long Term Disability benefits.

Short Term Disability (STD)

Benefit Coverage Class 1 Class 2
Elimination Period 14 Days 14 days

Benefit Percentage 70% 70%

Maximum Weekly Benefit Up to $1,750 per week Up to $1,000 per week

Maximum Period of Payment 11 weeks 11 weeks

Base salary, including prior Base salary, including prior
Definition of Earnings year bonus and commission year bonus and commission

STD benefits received are reduced by State Disability Income (SDI) for employees residing in states with a State Disability
Program (CA, NY, NJ, HI, and RI).

Long Term Disability (LTD)

Benefit Coverage All Employees
Elimination Period 90 Days
Benefit Percentage 70%
Maximum Monthly Benefit Up to $6,000

Maximum Period of Payment Up to normal Social Security Retirement Age

Base salary, including prior year bonus and
Definition of Earnings commission
LTD benefits received are reduced by State Disability Income (SDI) for employees residing in states with a State Disability
Program (CA, NY, NJ, HI, and RI), Workers Compensation and Social Security.
Voluntary Benefits
Accident
An accident can happen to anyone, and recovery can be costly. With Accident Insurance, you’ll receive a lump-sum payment
for a covered injury and related services. You can choose the payment in any way you choose- from expenses not covered
by your major medical plan to day-to-day costs of living, such as the mortgage or your utility bills. Plus, getting coverage is
easy and affordable with:
• Guaranteed Issue: no health questions asked!
• Easy payroll deduction of premiums (that will never increase due to your age)
• Benefits available for your spouse and dependent child(ren)
• Direct payment to you or to your beneficiary
• Coverage portability. If you change jobs, you can take the same benefits with you at the same cost.

Accident insurance provides benefits for covered accidental injuries, related services, and treatments. Examples include:
• Diagnostic exams, x-rays, and other emergency services
• Initial and follow up physician visits
• Ambulance transportation
• Hospital admission and confinement
• Follow-up/recovery services, including physical therapy and chiropractic chare
• And more….

Critical Illness
With Critical Illness insurance, you’ll receive a lump-sum payment when a covered illness is diagnosed. You can use the
payment in any way you choose, including:
Expenses not covered by your medical insurance:
• Deductibles and coinsurance
• Caregiver expenses
• Travel to and from treatment center
• Rehabilitation
Day-to-day living expenses:
• Rent or mortgage payments
• Groceries
• Childcare
• Utility bills
How does the coverage work?
• You and your dependents are eligible for coverage
• You choose the amount of coverage available at the time of enrollment
• A lump sum benefit is paid when you or a dependent are diagnosed with a covered illness while insured under the
policy
• If a previously covered illness returns, or diagnosed with an additional covered illness, benefits remain payable up
to the benefit maximum for as long as you are insured under the policy (subject to plan terms and conditions)
Voluntary Benefits, continued
Hospital Indemnity
Hospital Indemnity insurance provides a cash benefit in the event of an unexpected hospital stay for a covered
illness/injury. You and your covered dependents are paid a set benefit amount, depending on your plan and the
length of your stay. And you can use the payment in any way you choose – from medical expenses like deductibles,
to everyday costs, like housekeeping and childcare.

Benefits pay for hospital care, including:

• First day stay (hospital admission)
• Additional days in the hospital
• Days spent in the Intensive Care Unit (ICU)

Why do you need it?

Even if you have one of the best medical plans out there, it’s unlikely that your plan will cover all the costs incurred by
a hospital stay. Aside from hospital bills, there may be additional costs attached to time away from home, like meals,
travel, and lodging expenses for loved ones. That’s where Hospital Indemnity insurance can help. It can give you the
peace of mind to focus on what’s most important – getting better.

What else should you know?

Getting coverage is easy and affordable with:
• Guaranteed Issue
• Easy payroll deductions of premiums (that will never increase due to your age)
• Benefits available for our spouse and/or dependent child(ren)
• Direct payment to you or your beneficiary
• Coverage portability: if you change jobs, you can take the Hospital Indemnity insurance with you

In addition to financial support, Hospital Indemnity insurance provides services to help you focus on your recovery:

• HealthChampion- Unlimited access to administrative and clinical experts who can guide you through your
health concerns and care options
• AbilityAssist- 24/7 access to trained professionals and resources for assistance with the financial, legal, and
emotional issues that may follow a serious illness
 Voluntary Benefits, continued
Estate Guidance & Will Services
Create a simple will from the convenience of your desktop

Visit www.estateguidance.com/wills Use this code: WILLHLF. Follow the easy steps.
1. Access the Hartford’s EstateGuidance® Will Services online
2. Sign in to the secure site by entering the access code
3 Follow the instructions and create your will
4. Download the final will to your computer and print
5. Obtain signatures and determine if your will should be notarized

Travel Assistance & ID Theft Protection Services

If you are covered by your employer’s group policy from The Hartford and you need a pre-trip information,
emergency medical assistance or personal assistance services while traveling, contact Generali Global
Assistance, Inc.

You will need:

1. Your employer’s name
2. Phone number where you can be reached
3. Nature of the problem
4. Travel Assistance Identification Number: GLD-09012
5. Your Policy Number:

Identity Theft Assistance

Provides Prevention Services
- Education
- Identity Theft Resolution Kit
Detection Services
- Fraud alert to three credit bureaus
Resolution Guidance and Assistance
- Credit information review
- ID Theft Affidavit Assistance
- Card Replacement

Funeral Concierge Services

Losing a loved one is one of life’s most shocking experiences. To help you through this difficult time, your
employer offers Funeral Concierge Services.
- 24/1 Advisor Assistance
- PriceFinder℠ Research Reports
- Pre-Planning tools
- Online Planning Tools
- At need family support
- Hartford Express Pay
MotivateMe Wellness Program
More Ways to Earn!
Good health is priceless. When you live a healthy lifestyle, you can feel better, live easier and save money on health
care expenses. ECS wants you and your family to be healthy and live healthy. The MotivateMe Incentive Program
gives you the opportunity to earn gift cards for taking charge of your health. Just complete the program as described
below and you’ll earn a gift card.
You can track your progress and monitor your incentives through MyCigna.com or you may contact customer service
at the toll-free number on your Cigna ID card. Once the gift cards are earned, they are yours to redeem at any time.

Always consult with your doctor before beginning or changing your treatment plan or exercise routine.

How to Get Started:

1. Log in to www.MyCigna.com.
2. Click on the “Wellness” tab located in the upper right corner.
3. Click on “Take my Health Assessment.”
4. Answer the confidential questions- allow yourself 15 minutes to complete.
5. Once you’ve completed the assessment, Cigna will credit your account with $25 in 1-2 weeks.
6. Each employee can earn up to $170 Per Plan Year. (5/1/2022-4/30/2023)
.

Activity Milestone Reward

A confidential questionnaire that asks you about your

Health Assessment health and well-being and provides a personalized $25 Gift Card for Completion
assessment of your current health.

Know your numbers. Complete blood pressure,

Annual Physical cholesterol, blood sugar, and body mass index (BMI) $50 Gift Card for completion
screening.

Complete the following (gender appropriate):

Routine OB/GYN exam, colorectal cancer screening, Complete two preventive care
Preventive Care
routine mammogram, prostate screening, annual visits for $50 Gift Card
preventive exam, flu shot

Work one on one with a Cigna health coach to overcome

Cigna Coaching $25 Gift Card
a health problem

Self-Reported Self report: Vision Exam, Dental Exam, Attend a one-hour $10 Gift Card/ Annual limit of 2
Goals seminar, Wellness Challenge participation per employee

Each employee has the potential to earn up to $170

from May 1, 2022, to April 30, 2023
Health Care Spousal
Surcharge Form
All current staff enrolling their spouse into the medical plan and newly benefit eligible employees enrolling their spouse will
be charged, a $100 biweekly ($50 weekly) spousal surcharge if you have elected coverage for your spouse and your spouse
is eligible for coverage through his/ her employer but elects not to enroll in their employer’s health plan. Please select what
is applicable to you below:

I have enrolled my spouse, and my spouse does not have health coverage available through his/her employer; or
my spouse does not work; or is self-employed. If you are adding your spouse for the first time to ECS medical
plan a marriage certificate will need to be provided when turning in this form.

I have my spouse enrolled in the ECS sponsored health plan and my spouse has health coverage available
through his/her employer and has elected not to enroll in their health plan. If you are adding your spouse for the
first time to ECS medical plan a marriage certificate will need to be provided when turning in this form.
(I understand the $100 biweekly ($50 weekly) premium surcharge will be applied & authorize a deduction from
my paycheck on a pre-tax basis.)

Spouse’s name:

Spouse’s Employer name:

If this form is not received by the Human Resource Department and your spouse is enrolled in coverage, you will be
charged the surcharge until this form is received. If your spouse loses or obtains health coverage through their employer,
you have 30 days to notify your local HR Department of such change.

My signature below indicates that the facts set forth on this form are true and complete to the best of my knowledge. I also
understand that if my spouse’s group health insurance status changes, it is my responsibility to notify my local HR
Department in writing within 30 days of such change. Any false statements written on this form or on future forms as it
relates to spousal health information shall be considered grounds for disciplinary action.
Tobacco Use Affidavit
(This form is required of all employees enrolled in the ECS health plan.)

ECS will continue a Tobacco User Surcharge of $20 per bi-weekly paycheck ($10 - weekly) for employees covered on
the ECS Group Health Plan. Failure to return this form will result in the surcharge on your paycheck until the completed
form is received.
If, due to a medical condition, it is unreasonably difficult for you to achieve the standards for the reward under this
program, or if it is medically inadvisable for you to attempt to achieve the standards for the reward under this program,
email corphr@ecslimited.com. We will work with you to develop another way to qualify for the lower premium amount.

TOBACCO USE INFORMATION (Check the applicable box below)

I have used tobacco products during the prior 12 months. Yes No

I am currently enrolled in an ECS approved smoking Yes No

cessation program and am currently compliant
according to the treatment schedule prescribed.

Have you completed a cessation program with in

the last 6 months? If yes, to be eligible for the
lower non-tobacco user rate you will be required to
provide a certificate of completion to HR at
(corphr@ecslimited.com).

NOTE: Tobacco products include cigarettes, e-cigarettes, cigars, chewing or pipe tobacco or any other tobacco
products regardless of the frequency or method of use.

By signing this form, I certify the following:

1. I have truthfully checked the Yes or No box above that accurately reflects my use of tobacco products in the
prior 12 months.
2. I have truthfully checked the Yes or No box above that accurately reflects my current participation and adherence in
an ECS approved smoking cessation program.
3. I understand that tobacco products include cigarettes, electronic cigarettes, cigars, chewing or pipe tobacco or any
other tobacco products regardless of the frequency or method of use.
4. I understand that if I currently use tobacco products and stop using tobacco products in the future, I will be eligible
for the lower non-tobacco user rate the month following ECS’s receipt of a new Tobacco Use Affidavit certifying that I
have not used tobacco products during the prior 12 months.
5. I understand that if I fail to complete this Affidavit truthfully, ECS may adjust my premium charges retroactively for the
applicable higher tobacco-user rate.
6. I understand that if I state on this form that I do not use tobacco products, I may be asked later to supply a certification
from my physician that I am not a tobacco user.

Signature Date

Print Name Employee No

s

Notes
Testing testing
2022-2023
Benefit Guide