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

Executives, Physicians, Appointed Scientists and Dentists

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 >

Financial Security

Learn about Montefiore's programs to help you prepare for your future. READ MORE >

Commuter Benefits

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

Employee Discount Program

Direct access to a variety of products and services offered at group discounts. READ MORE >

Voluntary Insurance

Individual insurance policies offered at group rates. ?Group Personal Excess Liability

Insurance ?Individual Disability Income (ID)

Insurance ?Critical Illness Insurance ?Universal Life Insurance ?Whole Life Insurance 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 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.

Montefiore Executive

457(b) Retirement Plan

If your annual base salary is greater than $150,000, Montefiore offers a nonqualified deferred compensation plan. This plan allows you to defer a portion of your compensation on a pre-tax basis and accumulate tax-deferred earnings. The maximum dollar limit you can defer is determined by the IRS and is adjusted annually. You are 100% vested in your deferrals and earnings. Payments begin when you retire or reach age 70 ? and are paid in a lump sum or in annual installments over a maximum of 10 years.

? Employee Discount Program Automobile and Homeowners Insurance CorporateOffers HealthClubDiscounts LASIKSurgery MunicipalCreditUnion PerksCard PetInsurance PlumBenefits PurchasingPower WirelessDiscounts

? 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

Group Personal Excess Liability Insurance Individual Disability (ID) Income Insurance Critical Illness Insurance Universal Life Insurance Whole Life Insurance

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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.

Group Personal Excess Liability Insurance The Group Personal Excess Liability Program provides liability coverage for personal injury, bodily injury, or property damages you or a covered family member are liable for in excess of required underlying limits provided under your primary insurance policies.

Through a Montefiore Group Policy, you can obtain higher limits of coverage and lower rates to protect your individual assets and wealth. Contact Tom Moringiello at Marsh for any private insurance questions at 212.345.1197 or email Thomas.Moringiello@.

Individual Disability (ID) Income Insurance Montefiore's group LTD program is designed to protect 60% of your total income. However, for some associates with higher incomes, the group LTD program provides less income replacement due to the monthly maximum benefit. This voluntary discounted program offers you the opportunity to close that gap and protect a larger portion of your total income.

Maximum additional benefit amount up to $10,000/$15,000 per month (tax-free) based on the level of benefit provided under Montefiore's Group LTD Plan. The first $5,000 of this additional monthly benefit will be offered on a Standard Issue basis (no medical underwriting), for those actively at work. Coverage will be issued based on total income, other coverage in force, and Principal Life Insurance Company's issue & participation limits.

Contact Joel A. Elin at Lenox Advisors 212.536.8727 or email jaelin@

Voluntary Insurance Program (VIP) 866.795.0355

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.

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.

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2015 Benefits Overview

Employee Discount Program

Automobile/Homeowners Insurance Special group discounts on automobile and homeowners insurance. If you work more than 50% of a full-time schedule, there is an extra discount when you use automatic payroll deduction for premium payments.

For information contact:

? Travelers ? 888.695.4640

? MetLife Auto & Home? ? 800.438.6388

Corporate Offers Save up to 70% off the price of a Broadway ticket when you use the Corporate Offers discount code to buy tickets from the box office, online or over the phone. Visit for the latest list of Broadway discounts or call 646.290.6419 for more information.

Health Club Discounts Montefiore has arrangements with Falk Recreation Center/Friedman Athletic Center, Mosholu Montefiore Community Center's Fitness Center and New York Sports Club.

LASIK Surgery Montefiore Laser and Eye Care Center at Montefiore Medical Specialists of Westchester offers LASIK Surgery discounts of 20% off of the regular charge for you and your family members.

For more information about LASIK surgery and the services offered at Montefiore's facility, call 718.920.2020. Montefiore Laser and Eye Care Center at Montefiore Medical Specialists of Westchester is located at 495 Central Park Avenue, Scarsdale, New York 10583.

Municipal Credit Union Municipal Credit Union offers a full range of financial services including: ? Online Banking, MCU Mobile app

? Checking, Savings

? Direct Deposit, Automatic Payroll Deduction

? Mortgages, Auto Loans, Personal Loans and Credit Cards

? Future Focus ? A financial education website for kids and teens 212.693.4900

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