2015 ASSOCIATE VOLUNTARY BENEFITS - …

Montefiore Medical Center

An important part of Total Compensation at Montefiore includes the broad range of benefit and wellness programs that are available to its associates to:

? Support their physical and mental health and well-being

and

? Provide for their financial security during the working years and into retirement.

As a leader in the health care industry with distinguished Centers of Excellence, our reputation ? our standard of excellence ? makes Montefiore a great place to work. We apply our standard of excellence to all that we do, including Montefiore's Benefits & Wellness Programs.

2015 ASSOCIATE VOLUNTARY BENEFITS

To Your Health!

Montefiore's most valued asset is a healthy, caring and committed workforce. To Your Health! offers programs and services that encourage you to adopt and maintain a healthy lifestyle. Read more >

Commuter Benefits

Save money on eligible transportation expenses, including mass transit and parking, with pre-tax payroll deductions. Read more >

Financial Security

Learn about Montefiore's programs to help you prepare for your future. Read more >

Voluntary Insurance

Individual insurance policies offered at group rates. ? Critical Illness Insurance ? Universal Life Insurance ? Whole Life Insurance Read more >

Employee Discount Program

Direct access to a variety of products and services offered at group discounts. Read more >

2015 Benefits Overview

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 855.775.1655 or email WellnessRD@.

? Weight Watchers at Work ? 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.

? toyourhealth.

The To Your Health! website offers great tools and information to help you improve your health. Check it regularly for upcoming wellness programs and events.

Take the Health Risk Assessment. It's easy and completely confidential. Answer a few questions about your current health status and lifestyle. You'll receive a report that establishes a baseline of your health, identifies any risk factors and compares your health profile to the average for your age.

? Smoking Cessation Programs ? Occupational Health Services offers a no-cost nicotine replacement therapy starter kit from Montefiore outpatient pharmacies. For more information call 914.378.6531 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, integrative medicine, and other healing approaches to enhance the quality of life, health and well-being of our associates, our patients and community. For more information, call 718.920.6576 or go to healingarts.

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

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2015 Benefits Overview

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

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.

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

Voluntary Benefits

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

? 511NY Rideshare

? Insurance Benefits Critical Illness 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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2015 Benefits Overview

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.

? 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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2015 Benefits Overview

Insurance Benefits

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

You may purchase insurance benefits at any time. Call the Voluntary Insurance Program Service Center at 866.795.0355 or go to .

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

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.

? 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.

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