EMPLOYEE BENEFITS HANDBOOK - ConocoPhillips

2023

Employee Benefits Handbook

Effective January 1, 2023

Welcome

Welcome to the ConocoPhillips Employee Benefits Handbook

ii

Contacts

A-1

Employee Medical Plan

B-1

Houston Onsite Medical Clinic Employee Plan

C-1

The Well Onsite Medical Clinic Employee Plan

D-1

Employee Vision Plan

E-1

Employee Dental Plan

F-1

Flexible Spending Plan

G-1

Employee Assistance Plan

H-1

Employee Life Insurance

I-1

Employee Accidental Death & Dismemberment Insurance

J-1

Short-Term Disability Benefits

K-1

Long-Term Disability Insurance

L-1

Severance Pay Plan

M-1

Other Information/ERISA

N-1

Glossary

O-1

This handbook is the Summary Plan Description (SPD) for the ConocoPhillips health and welfare plans. Additionally, if you are enrolled in a plan that's insured and provides you an insurance contract and Certificate of Coverage, that insurance contract and the Certificate of Coverage will be considered a part of the SPD for that insured plan. When you enroll you will receive information about how to access the current cost for most of the plans described in this handbook. That information and any Summaries of Material Modifications that are issued should be maintained with this handbook. If you are enrolled in a plan that's insured by an insurance contract, sections of this handbook that do not apply to you will be indicated. Some employees are not eligible to participate in the plans described in this handbook. Receipt of this handbook does not mean you are eligible to participate in all the plans described. To be eligible to participate in a particular plan, you must meet the eligibility requirements outlined for that plan. This handbook does not describe health and welfare benefits for retired employees. Every effort has been made to ensure the accuracy of this handbook. If there is any conflict between this handbook and the official plan documents, the official plan documents will control. If an insurance contract exists, it is part of the official plan document and will control. Nothing in this handbook creates an employment contract between ConocoPhillips Company or its subsidiaries and affiliates and any employee. The Company reserves the right to amend or terminate a plan at any time, in its sole discretion, according to the terms of the plan.

2023 Welcome

i

Welcome to the ConocoPhillips Employee Benefits Handbook

ConocoPhillips is committed to your overall health and well-being, and we're pleased to offer a quality, competitive benefits package that provides valuable health care and financial protection for you and your family.

Your benefits are a significant part of your total compensation at ConocoPhillips, and it's your responsibility to make sure you understand them and use them wisely. This easy-to-use handbook, which features important information about our health and welfare benefit plans, is designed to help you do just that.

ii

Welcome 2023

Features to Help You

Within the handbook, you'll find features to help increase your understanding of the benefit plan being described. These features include:

? Examples -- We've included several examples of your

benefits at work. As you see your benefits "in action," you'll get a working understanding of the mechanics of your ConocoPhillips benefit plans and how they might apply to you.

? Icons -- The following icons placed throughout the text

highlights essential information for you:

p Refers you to other sections in the handbook that

provide additional information on the subject.

c Highlights information of special importance.

? Contacts -- For easy reference, this chapter, located at

the front of the handbook, provides you with the phone numbers, addresses, and websites for benefit plan resources when you have questions or need contact information.

? Glossary -- Some benefit terms used in this handbook

have very specific meanings. These terms are underlined throughout this book, and you'll find their definitions in the "Glossary" at the end of the handbook.

Staying Up to Date

The benefit information in this handbook will be updated from time-to-time, as necessary. When that happens, you'll receive a notice of what's changing and when. Be sure to keep any updates with this handbook for easy access.

Additional information about your ConocoPhillips benefits is available on hr..

c Due to COVID-19, the windows for certain benefit

administration due dates in this handbook were suspended until the earlier of i) one year from the original due date or ii) 60 days after the announced end of the National Emergency, i.e., end of the outbreak period. Contact the Claims Administrator for further information.

2023 Welcome

iii

Welcome 2023

Contacts

A

Health and Welfare Plans

A-2

Plan Administration

A-2

COBRA Administration

A-2

Claims and Services

A-3

Medical and Prescription Drug

A-3

Vision Benefits

A-4

Houston Onsite Medical Clinic Employee Plan

A-5

The Well Onsite Medical Clinic Employee Plan

A-5

Dental Benefits

A-5

Flexible Spending Plan

A-5

Disability Benefits

A-6

Life and Accidental Death & Dismemberment (AD&D) Insurance

A-7

Employee Assistance Plan (EAP)

A-8

ConocoPhillips Severance Pay Plan

A-9

Family Life Benefits Plan

A-9

2023 Contacts

A-1

Health and Welfare Plans

Plan Administration

For Information on:

? Eligibility criteria to participate in a

health and welfare plan

? Enrollment, changing coverage ? Changing personal information

(including dependent information)

? Coverage amounts ? Payment of premiums ? Qualified Medical Child Support

Orders (QMCSO)

? Accessing HR Express, your logon ID,

password or Web access code

Contact/Address

Benefits Center P.O. Box 770 Monroe, WI 53566-0770

Web:

? Visit hr. to see benefit plan

information

? Visit HR Express (for active employees only), or

at mybenefits for personal and benefit plan information and enrollments

Email (via Web for employees): or

Phone/Operating Hours (800) 622-5501 or (718) 354-1344 7:00 a.m. to 7:00 p.m. Central time, Monday ? Friday

Americas Service Desk (918) 661-4095 or (866) 322-2825 24 hours/day, 365 days/year Europe/Middle East/Africa Service Desk +47-52-02-2222 24 hours/day, 365 days/year Asia/Pacific Service Desk +61-7-3182-7000 24 hours/day, 365 days/year

COBRA Administration

For Information on:

Continuing your medical, vision, dental, Employee Assistance Plan and Flexible Spending Plan's Health Care Flexible Spending Account

Contact/Address

Benefits Center P.O. Box 770 Monroe, WI 53566-0770

Web:

? Visit hr. to see benefit plan

information

? Visit for

personal and benefit plan information and enrollments

Phone/Operating Hours

(800) 622-5501 or (718) 354-1344 7:00 a.m. to 7:00 p.m. Central time, Monday ? Friday Fax: (515) 273-1545

A-2

Contacts 2023

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