Benefits For Hilton U.S. Team Members

Summary Plan Description

2024

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. fulltime eligible employees and certain eligible leased employees of Hilton Employer Inc. and its affiliates ("Hilton") as of January 1, 2024. 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"). Any capitalized items not defined in this SPD shall refer to the defined terms in the Plan.

This SPD should be read in conjunction with the Program Documents. Program Documents are the documents listed in the Plan Information Section of this SPD. 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 the Program Documents online by following the steps below and in the "General Information" section or by contacting the Plan Administrator.

To access the Program Documents, follow the instructions below:

1. Access YBR via this website: 2. Click on the drop-down arrow next to the globe symbol within the footer of the logon page, then select

"English" or "Spanish ? Espa?ol." 3. Enter your User ID and password on the Logon page. 4. From the YBR Home page, hover over the tab titled "Knowledge Center." 5. From the Knowledge Center drop-down menu items, click on the Plan Information link. 6. The SPD and available Program Documents will be displayed on the next screen.

This SPD contains only a summary of information about the Plan. Details about the Plan are contained in the official plan document. If there is a discrepancy between the information in this SPD and the formal plan document, the formal plan document will govern. If there is a discrepancy between the terms of a fully-insured benefits option offered under the Plan and the official plan documents, including the SPD, the fully-insured policy will govern.

Hilton reserves the right to change, suspend or terminate any plan, program, coverage, or contribution at any time for any reason.

CONTENTS: SUMMARY PLAN DESCRIPTION

INTRODUCTION.............................................................................................. 1 PARTICIPATION.............................................................................................. 3 ADMINISTRATION......................................................................................... 26 CLAIMS AND APPEALS................................................................................ 40 MEDICAL COVERAGE.................................................................................. 50 PRESCRIPTION DRUGS .............................................................................. 57 DENTAL COVERAGE.................................................................................... 64 VISION COVERAGE...................................................................................... 66 FLEXIBLE SPENDING ACCOUNTS ............................................................. 69 EMPLOYEE ASSISTANCE PROGRAM........................................................ 81 INTERNATIONAL BUSINESS TRAVEL PROGRAM .................................... 83 MEDICAL BENEFITS WHILE ABROAD........................................................ 86 LEGAL SERVICES......................................................................................... 88 DISABILITY COVERAGE .............................................................................. 90 LIFE AND ACCIDENT PROTECTION........................................................... 98 GENERAL INFORMATION.......................................................................... 105

Introduction

WHAT'S INSIDE This SPD 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 PROGRAMS

The Plan offers you a variety of benefits and levels of coverage (Benefit Programs) from which you can choose. (Note: eligibility criteria may vary for each benefit offering):

? Medical Benefits Program with Prescription Drug Program ? Dental Benefits Program ? Vision Benefits Program ? Flexible Spending Accounts (FSAs) currently administered by Alight

? Health Care FSA ? Dependent Care FSA ? 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) ? Business Travel Accident Insurance ? Legal Services ? Voluntary Medical Benefits ? International Assignee Healthcare Plan *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 Programs under the Plan, the Plan Administrator has retained the services of certain independent third-party administrators and insurance companies. 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.

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Introduction

MORE INFORMATION

We urge you to read this SPD, share it with other family members covered under the Plan, and keep it 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 thirdparty 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 SPD.

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