FOR HILTON U.S. TEAM MEMBERS

Benefits For Hilton U.S. Team Members

(except for Hawaii and Puerto Rico)

Health Care Disability Protection Life and Accident Insurance

This Summary Plan Description (SPD) summarizes the major features of the benefits programs for U.S. full-time eligible employees and certain eligible leased employees of Hilton Domestic Operating Company Inc. and its affiliates ("Hilton") as of January 1, 2020. This SPD does not apply to Team Members in Hawaii or Puerto Rico; benefits for these Team Members are described in a separate summary plan description. Certain Team Members whose employment is subject to a collective bargaining agreement are excluded or have modified coverage. You should also refer to any applicable cover letter accompanying this SPD for changes and additions to the SPD that apply to employees at:

Hilton Baltimore Hilton McLean Hilton Crystal City Doubletree ? Crystal City Embassy Suites ? Crystal City Hilton ? Vancouver Doubletree ? San Diego Valley Embassy Suites ? San Diego La

Jolla Hilton La Jolla Pines Hilton San Diego Bay Front La Quinta (Palm Springs) Hotel Del Coronado

You should not rely on this information other than as a general summary of the features of the Hilton Health and Welfare Plan (the "Plan").

This SPD is based on legal documents (such as plan documents, insurance contracts and summary booklets and HMO contracts) currently in effect. These documents provide further detail on coverage benefits as well as important exclusions, limitations, and requirements applicable to receive benefits. You may obtain a copy of any of the official legal documents for your coverages online by

following the steps below and in the "General Information" section or by contacting the Plan Administrator.

To access any available insurance certificates or Coverage Booklets, follow the instructions below:

1. Access YBR via this website: 2. Click on the "Choose a Language" drop-down box from the log on page, select "English" or "Spanish ? Espa?ol". 3. Enter your User ID and password on the Logon page. 4. From the YBR Home page, select the tab titled "Health & Insurance." 5. From the Health & Insurance page choose the "Coverage Details" drop down, then in the menu items, click on the Plan Information link. 6. The SPD and available insurance certificates and Coverage Booklets will be displayed on the next screen.

While every effort has been made to give you correct and complete information about your benefits, in the event of any conflict or inconsistency between this SPD and relevant legal documents with respect to benefits payable, the terms of the legal documents will control. The SPD will govern if the conflict or inconsistency relates to eligibility, except as described in the "State Insurance Mandates and Dependent Coverage" section in the Participation chapter.

CONTENTS: HANDBOOK

INTRODUCTION ............................................................................................. 1 PARTICIPATION ............................................................................................. 3 ADMINISTRATION .......................................................................................29 CLAIMS AND APPEALS...............................................................................41 MEDICAL COVERAGE .................................................................................49 PRESCRIPTION DRUGS .............................................................................53 DENTAL COVERAGE...................................................................................59 VISION COVERAGE.....................................................................................61 FLEXIBLE SPENDING ACCOUNTS ............................................................63 HEALTH SAVINGS ACCOUNT ....................................................................74 EMPLOYEE ASSISTANCE PROGRAM .......................................................77 INTERNATIONAL SOS PROGRAM .............................................................80 METLAW LEGAL PROGRAM.......................................................................82 DISABILITY COVERAGE .............................................................................86 LIFE AND ACCIDENT PROTECTION ..........................................................94 GENERAL INFORMATION .........................................................................105

Introduction

WHAT'S INSIDE

This handbook contains important information on many of the benefit programs offered under the Plan. Please read it carefully.

AN OVERVIEW OF YOUR HEALTH AND WELFARE BENEFITS

The Plan offers you a variety of benefits and levels of coverage (Benefit Options) from which you can choose.

(Note: eligibility criteria may vary for each benefit offering):

Medical Coverage Dental Coverage Vision Coverage Flexible Spending Accounts (FSAs)

Health Care FSA Dependent Day Care FSA Disability Short-term Disability Long-Term Disability Life Insurance (Basic, Supplemental and

Dependent)

Retiree Life Insurance* Accidental Death and Dismemberment

(AD&D)

Employee assistance program (EAP) and

work/life benefit

Business Travel Accident Legal Services Wellness Programs Voluntary Medical Benefits

*This benefit is available only to a closed group of retirees.

No new participants are allowed at this time.

THIRD PARTY ADMINISTRATORS

For purposes of administrating the various Benefit Options under the Plan, the Plan Administrator has retained the services of certain independent third-party administrators and insurance companies, such as Aetna, United Healthcare, Delta Dental and Alight Solutions. Generally the third party administrator does not assume liability for benefits payable under this Plan; some third party administrators, however, may be designated as a "named fiduciary", as that term is defined in ERISA, for purposes of processing claims.

MORE INFORMATION

We encourage you to retain this handbook for future reference. If you have questions about your benefits, please contact the Hilton Benefits Center. You may reach the Hilton Benefits Center at 1.877.442.4772 Monday through Friday from 8:00 a.m. to 6:00 p.m. CT.

The role of the Hilton Benefits Center and the service center representatives with the Plan's insurers and third party administrators is to assist you with questions you may have about this Plan. However, statements made by such representatives do not have a binding effect on the Plan. If you need to bring or appeal a claim under this Plan, you should follow the formal claims and appeals procedures described in this booklet.

This SPD is based on legal documents (such as plan documents, insurance contracts and summary booklets and HMO contracts) currently in effect. These documents provide further detail on coverage benefits as well as important exclusions, limitations, and requirements applicable to receive benefits. You may obtain a copy of any of the official legal documents for your coverages online by following the steps below:

Introduction

1. Access YBR via this website: 2. Click on the "Choose a Language" drop-down box from the log on page, select "English" or "Spanish ? Espa?ol". 3. Enter your User ID and password on the Logon page. 4. From the YBR Home page, select the tab titled "Health & Insurance." 5. From the Health & Insurance page choose the "Coverage Details" drop down, then in the menu items, click on the Plan Information link. 6. The SPD and available insurance certificates and Coverage Booklets will be displayed on the next screen. While every effort has been made to give you correct and complete information about your benefits, in the event of any conflict or inconsistency between this SPD and relevant legal documents with respect to benefits payable, the terms of the legal documents will control. The SPD will govern if the conflict or inconsistency relates to eligibility, except as described in the "State Insurance Mandates and Dependent Coverage" section in the Participation chapter.

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PARTICIPATION

ELIGIBILITY ....................................................................................................4 Your Eligibility ...........................................................................................4 Your Eligible Dependents .........................................................................8 Proof of Dependent/Disabled Status ........................................................9 Qualified Medical Child Support Order (QMCSO) ....................................9 Dual Coverage .........................................................................................9 State Insurance Mandates and Dependent Coverage ...........................10 On-Site Medical Clinics ..........................................................................10

COST OF COVERAGE .................................................................................11 Pre-Tax vs. After-Tax .............................................................................12 Domestic Partners: Tax Implications and Other Information .............................................................................................12

REDUCING THE AMOUNT YOU PAY FOR MEDICAL COVERAGE ..........13 Wellness Review Credit* ........................................................................13

ENROLLMENT .............................................................................................. 14 When to Enroll ........................................................................................14 How to Enroll ..........................................................................................14 Annual Enrollment ..................................................................................14 Medical Coverage Enrollment ? After-Tax Basis....................................15 Special Circumstances: Re-employment ..............................................16 Changing Coverage During the Year .....................................................16

WHEN COVERAGE ENDS ...........................................................................28

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