2016 BENEFITS SUMMARY

To Your Health! Financial Security

Scholarship/ Voluntary Benefits Commuter Benefits Voluntary Insurance Employee Discount

Program

2016 BENEFITS SUMMARY

1199 SEIU United Healthcare Workers East

To Your Health!

Financial Security

Scholarship/Voluntary Benefits

Commuter Benefits

Voluntary Insurance

Employee Discount Program

To Your Health!

To Your Health! offers these services and more...

??Nutrition Counseling ? Take advantage of a free one-on-one, confidential nutrition consultation with a registered dietician to advise you how to eat well and manage your weight. For more information, call 347.498.2424 or email WellnessRD@ .

??Weight Watchers & Weight Watchers for Diabetes ? Register through Montefiore's program to receive a 50% upfront discount and an additional 25% reimbursement upon meeting attendance goals. Weekly meetings are held at Moses, Einstein, Wakefield, Yonkers and Fordham campuses. For more information, call 866.882.2226 or go to wellness..

??Fitness Opportunities - Health Club Membership Discounts, the Bike to Work Program and 5Rythms movement classes are available to help associates become physically active.

??To Your Health! Wellness Portal: toyourhealth.

To Your Health! Wellness Portal ? The portal offers great tools and information to help you improve your health. Register for the portal at toyourhealth..

Take the Health Risk Assessment and Webinar located on the portal to receive a $25 gift card! The assessment is easy and completely confidential. At the completion, you'll receive recommendations and resources to become a healthier you.

??Smoking Cessation Programs - Occupational Health Services offers a no-cost nicotine replacement therapy starter kit from Montefiore outpatient pharmacies. For more information call 914.349.8531 or email montebenefits@ .

??HealthCare (ESI/Longview) EAP ? The EAP provides resources to cope with mental health and behavioral issues, family problems and professional matters. Call anytime for confidential assistance. To reach a counselor call 800.225.2527 or 800.252.4555 or go to .

??Healing Arts ? Healing Arts uses the arts, creative arts therapies and other healing approaches to enhance the wellness of Montefiore associates. Programs include relaxation and arts workshops and a biannual Healing Loss intensive retreat. Call the Relaxation Hotline at 718.920.CALM to hear guided relaxation tracks 24 hours a day. Visit healingarts for more information.

For more information, contact the To Your Health! team at toyourhealth@.

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To Your Health!

Financial Security

Scholarship/Voluntary Benefits

Commuter Benefits

Voluntary Insurance

Employee Discount Program

Financial Security

Montefiore Medical Center Voluntary Tax Deferred Annuity 403(b) Plan

Pre-tax Contributions The Montefiore Medical Center Voluntary Tax Deferred Annuity 403(b) Plan provides an excellent tool to help you save for your future financial security.

??Your before-tax contributions are automatically deducted from your paycheck and accumulate earnings on a tax-deferred basis.

??You make your own investment decisions based on your investment strategy and the level of risk you are willing to accept.

??You can change your allocations and transfer amounts among investment options.

??You are always 100% vested in your contributions.

??You can borrow against your account and under certain circumstances you may even make a withdrawal.

Roth Elective Deferral Post-tax Option If you participate in the Voluntary Tax Deferred Annuity 403(b) Plan you may also make after-tax (Roth Elective Deferral) contributions to the plan. An after-tax contribution means that the contribution is taken out of your pay after taxes have been withheld.

Qualified distribution of Roth after-tax contributions plus any earnings on those contributions will be tax-free if you are at least 59? years old and have maintained the Roth elective deferral account for at least five years. If the distribution is not qualified, your earnings on the after-tax contributions are subject to income taxes at the time of withdrawal and a 10% early distribution tax.

Roth contributions are tracked in a Roth elective deferral account separate from any pre-tax deferral contributions you may make.

Maximum contributions are determined by the IRS and are adjusted annually. If you are age 50 or older you can make an additional "catch-up" contribution.

At any time during the year, to elect the Voluntary Tax Deferred Annuity 403(b) Plan, change your election and/or if you are eligible for and want to make a "catch-up" contribution, contact Principal at 800.547.7754 or go to

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To Your Health!

Financial Security Scholarship/Voluntary Benefits Commuter Benefits

Voluntary Insurance

Employee Discount Program

Scholarship/Voluntary Benefits

The Montefiore Scholarship Program

The Montefiore Scholarship Program was established to provide incentive and opportunity for the children of Montefiore Associates to undertake a college education. Full-time regular associates (employed by Montefiore for at least one year prior to application) with children enrolling in the upcoming fall semester at accredited two-or four-year colleges, are invited to apply for a scholarship under the Montefiore Scholarship Program. Scholarships are awarded based on demonstrated financial need. Applications must be submitted by July 1, in advance of the fall semester.

Voluntary Benefits

Here's what your Voluntary Benefits include: ??Commuter Benefits Program ??511NY Rideshare

ridematch. ??Insurance Benefits

Critical Illness Insurance Personal Accident Insurance Universal Life Insurance Whole Life Insurance

??Employee Discount Program A utomobile and Homeowners Insurance Corporate Offers Health Club Discounts LASIK Surgery M unicipal Credit Union PerksCard Pet Insurance Plum Benefits Purchasing Power Wireless Discounts

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To Your Health!

Financial Security

Scholarship/Voluntary Benefits

Commuter Benefits

Voluntary Insurance

Employee Discount Program

Commuter Benefits

Commuter Benefits Program

Whether you use mass transit, drive or a combination of both, you can save money just about any way you commute to work.

Through the Commuter Benefits Program you can qualify for significant tax advantages when you pay your mass transit and parking expenses through pre-tax payroll deductions. Your contributions are automatically deducted from your paycheck before taxes are calculated and withheld. This lowers your taxable income, so you save money on taxes!

It's convenient and easy to use with online ordering and home delivery plus direct payment ? you don't have to wait for reimbursement. For more information contact WageWorks at 877.924.3967 or .

511NY Rideshare

511NY Rideshare is a no cost Ridematching, Traveler Services and Guaranteed Ride Program. You create a profile and find travelers who have similar travel routes and patterns. ridematch..

??Carpool/Vanpool ? share a ride with other commuters who have similar starting and destination locations. It can be an ideal commuting solution if you work somewhat far from home, have limited access to public transit or want to cut down on your driving.

??Bicycling or Walking ? Rideshare provides tools and services to help you make your walk or bicycle to work safe, convenient and enjoyable.

??Transit Itinerary ? Not sure how to get to work using transit? Looking for an alternate way to work? How can you get to work in a weather related emergency? Request Transit Trip Assistance and a Transit Trip Itinerary will be emailed or mailed to you.

Contact 511NY Rideshare Customer Service by calling 511 and say "Rideshare". Customer Service is available Monday through Friday, between 6:00 am - 7:00 pm.

Out-of-state travelers call 888-GO511NY (888-465-1169), select a New York City Metro and then say "Rideshare".

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To Your Health!

Financial Security

Scholarship/Voluntary Benefits

Commuter Benefits

Voluntary Insurance

Employee Discount Program

Voluntary Insurance

Insurance Benefits

You have the opportunity to purchase individual insurance policies offered at group rates.

Critical Illness Insurance Critical Illness Insurance complements your medical and disability income coverage and can reduce the financial impact of disability or serious illness. A lump sum benefit is paid directly to you for the first occurrence of a covered critical illness. You have full control over how the benefit is used. Additional occurrence benefits are available for specific multiple medical conditions. Family coverage options are available.

Integrated Disability Benefit Income Protection Eligible 1199 Members can purchase additional insurance designed to coordinate with other disability benefits.

??Voluntary Short Term Disability Insurance through Transamerica Financial Life Insurance Company ? After 60 days of disability, you may receive benefits equal to 60% of your salary ? up to a maximum benefit of $5,000 each month for up to 365 days.

??Voluntary Long Term Disability Insurance through First Reliance Standard of New York ? After one year of disability, you may receive benefits equal to 60% of your salary ? up to a maximum benefit of $5,000 each month for as long as you remain disabled or up to age 65.

Personal Accident Insurance Personal Accident Insurance offers:

??Guaranteed Issue: No medical exam

??Benefits for accidents off and on-the-job

??Benefits for emergency room visits, hospital admission/confinement and surgery

??Benefits are payable in addition to any other insurance

??Convenience, with automatic premium payments through payroll deduction

??Spouse Disability Income Rider

??Portability, by permitting you to take your policy with you if you leave Montefiore.

Universal Life Insurance Transamerica TransLegacy Universal Life Insurance coverage is a permanent life insurance policy designed to help protect your family against the financial hardships associated with the loss of a loved one.

??Permanent life insurance coverage

??Flexible premium options available

??Coverage available between $10,000 ? $300,000

??Accelerated Death Benefit for Long-Term Care

??Family coverage options are available. You can cover your spouse, dependent children, and grandchildren.

??Convenient automatic premium payments through payroll deduction

??Coverage is portable. You may take your policy with you if you leave Montefiore.

Whole Life Insurance Trans$ure Whole Life Insurance coverage is a permanent life insurance policy designed to help protect your family against the financial hardships associated with the loss of a loved one.

??Permanent life insurance coverage

??Builds guaranteed cash value tax-deferred

??Family coverage options are available. You can cover your spouse, dependent children, and grandchildren.

??Convenient automatic premium payments through payroll deduction

??Coverage is portable. You may take your policy with you if you leave Montefiore.

For More Information Call the Voluntary Insurance Program (VIP) Service Center at 866.795.0355 or go online to .

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