core benefits providers

*For optimal viewing, use the latest version of Chrome, Firefox, Safari or MS Edge.

As a reminder, you can access The Estée Lauder Companies’ Notice of Privacy Practices at ybr.com/esteelauder and on the Company’s intranet. It is also referenced in The Estée Lauder Companies Medical Plans and Prescription Drug Plan SPD.

The Estée Lauder Companies Inc. reserves the right to reduce, amend, modify, discontinue or terminate any of the benefits or any of the plans at any time, for any reason. This may be done without prior notice. In addition, nothing in this guide is to be construed as a contract of employment.

H000248307 Printed on recycled paper with vegetable inks. FT/RSL 10-2021

General Insurance Questions Alight Solutions ELC’s Benefits Administrator 1-877-742-3520 ybr.com/esteelauder*

New app: Alight Mobile

Benefits Concierge Alight Benefit Pro 1-866-617-9127

Medical Plans UnitedHealthcare Choice Plus Network 1-877-370-2846 myuhc.com Group Number: 730090

Prescription Drug CVS/caremark 1-800-966-5772 caremark.com

Dental MetLife 1-800-942-0854 metlife.com/Dental Group Number: 300150

Vision Davis Vision Find a network provider 1-800-553-0807 davisvision.com

Core Benefits Providers

Mobile DirectoryELC provides you with many benefits, some of which you can change your participation or enroll in at any time of year. A full list is available here!

ELC2022benefits.com password: beauty

“My daughter really struggled with the COVID situation and our EAP hooked her up with a therapist… she connect[ed] with and made such incredible progress.”ELC EMPLOYEE KRISTINA O.

speaking about the Work Life Connections assistance program

ANNUAL ENROLLMENT: NOVEMBER 1 - 12, 2021

Write Your OwnBenefits Story

F U L L - T I M E E M P L O Y E E S

2 0 2 2 A N N U A L E N R O L L M E N T

What you’llfind inside

2 Message From Michael

4 2022 Core Program Changes

5 Your Next Steps

6 Part 1: Core Benefits

8 Medical Plans

10 Prescription Drug Plan

11 Vision Plan

12 Dental Plans

14 Part 2: Insurance & Voluntary Benefits

16 Life & AD&D Insurance

17 Legal Insurance Plan

17 Identity Theft Protection Plan

17 Critical Illness Insurance Plan

17 Accident Protection Plan

18 Part 3: Health Accounts

20 Health Savings Account (HSA)

21 Dependent Care FSA

21 Health Care FSA

22 Part 4: Additional Benefits

24 Family-Related Programs

25 Wellbeing Programs

This Benefits Guide is intended to be a summary of material modification to the summary plan descriptions (SPDs) describing health and welfare benefits, including the summary plan description for The Estée Lauder Companies Inc. Medical Plans and Prescription Drug Plan effective January 1, 2021.


1

Offering you choices for every chapter in your life

The Estée Lauder Companies (ELC) offers you benefits that support your everyday life, provide protection and help you and your family live life to the fullest. When you’ve chosen coverage that suits your needs, you’ll have greater security and can feel more balanced.

The first three sections of this guide provide details about core programs available to you in 2022 and highlight the options you should consider right now. The enclosed Enrollment Worksheet shows your cost for each option.

Spend time reviewing what’s available, then enroll in the coverage that best supports you. If you do not

enroll in or change your participation in these programs during Annual

Enrollment, you will not have another chance to do so unless you experience a life event, such as changing your marital status.

Enroll in Your Benefits

Nov. 1 - 12, 2021ybr.com/esteelauder

877-742-3520“I love the Virgin Pulse program… and since my husband is part of the program, we are doing healthy things together. On top of that we get… a discount on health care.”ELC EMPLOYEE KEVIN M.speaking about ELC’s Wellbeing Program and the Medical Plan Premium Credit reward

c 2022 BENEFITS – HIGHLIGHTS

*Annual base pay is the fixed amount you are paid and excludes other compensation such as bonuses and overtime.

2

Writing YourBenefits Story

I hope this message finds you and your family well. The challenges we’ve faced over the past 20 months have not

been easy, but I’m proud to have witnessed the amazing ways we’ve supported each other and strengthened our

communities. As the company and the world work towards emerging from this difficult period, I wish to see us

carry forward what we’ve learned and integrate that resilience into our daily lives.

One of ELC’s greatest interests is to help you live your personal and professional lives to the fullest, so we

continually evaluate and fine-tune our benefits programs to ensure we’re bringing you supportive and compelling

offerings. We aim to give you choice and flexibility and help you minimize personal and family stressors and

strains, which is why we introduced several new U.S. programs during 2020 and 2021, including:

• The new Benefit Pro service through partner Alight Solutions to help you better understand and utilize ELC

benefits, find great providers for you and your family, and save money.

• The new Virtual Tutoring and Enhanced Family

Support options through partner Bright Horizons,

which give you new ways to support your children’s

care, development and education.

• Enhanced wellbeing program offerings through

partner Virgin Pulse, including Ovia Health for fertility,

pregnancy and parenting support and the Aaptiv app

for fitness classes.

Managing costs and safeguarding sustainability continue to be areas of focus in our business, and we’re applying

that to our benefits design, too. Our company is performing well, but health care costs continue to rise. The

changes we’re making for 2022 will allow us to keep supporting you and your family through competitive,

robust benefits programs, while ensuring that we’re offering equitable and inclusive benefits that deliver quality

outcomes. Highlights of these adjustments are noted below, while details can be found on the following pages:

• Maintaining fairness. This will be the fifth consecutive year that an individual employee’s cost for U.S. ELC

medical coverage has been determined by their annual base pay*, where those with higher salaries pay higher

amounts. This helps distribute the employee share of costs more fairly across our company and make certain

that those costs do not unduly burden any segment of employees. For 2022, those employees who fall into the

higher salary bands will see an increase in their per-pay-check contributions.

Dear Colleague,

“...I wish to see us carry forward what we’ve learned and integrate that resilience into our daily lives.”

c ANNUAL ENROLLMENT: NOVEMBER 1 - 12, 2021

• Improving affordability. We’re changing the way some Medical Plan costs are covered to ensure more

affordable services, such as reducing your co-pays for out-of-network mental health care and in-network

physical therapy. We’ve chosen this approach because we want you to get the care you need at prices

that make sense for both you and the company. We’re also enhancing coordination of benefits and adding

proactive outreach for special conditions.

• Encouraging smart choices. We encourage you to use in-network providers whenever possible as it saves both

you and the company money. For 2022, some select medical plan costs are changing to protect the financial

health of our broader offerings, allowing us to continue investing in programs that are relevant to more

employees and widely utilized.

• Ensuring inclusivity. We continue to offer and expand the types of programs that support you and your family

members, including all definitions of family. We remain committed to listening and working to better serve

the needs of all employees. From planning a family to being a working parent, from

juggling work and life to paying off student debt to planning for retirement, our

programs help you at all ages and all stages. We offer services that support your

loved ones, too, even pets.

Please make time now to review this booklet, consider your needs and weigh

your benefits options for 2022. Being engaged in your benefits and making

good choices during this Annual Enrollment period will help set you up for a

successful new year.

As always, I will continue to champion benefits with our HR

leadership team and Corporate Benefits team to bring you a full

range of equitable programs that help you optimize your health

and wellbeing. I hope you and your family stay safe and well.

Sincerely,

Michael O’Hare Executive Vice President GLOBAL HUMAN RESOURCES

2022 BENEFITS – HIGHLIGHTS

4

Summary of Benefits Changes for 2022

Contributions Changing for Some Employees Only employees in the highest salary bands will see their

per-paycheck contributions for Medical Plan participation

increase in 2022. The increase is between 1.5% and 5%.

Please see the enclosed worksheet or log in to ybr.com/

esteelauder for the pricing that applies to you.

Higher Expenses for Out-of-Network Custom Care Medical Plan

For 2022, deductibles are increasing for out-of-network

expenses in the Custom Care Medical Plan. Out-of-network

out-of-pocket maximums are also increasing within this

plan. Coverage levels for most out-of-network services are

decreasing from 70% after the deductible in 2021 to 60%

after the deductible in 2022, which generally means the

plan will pay less and participants will pay more for those

services. Please see the chart on page 9 for details.

UnitedHealthcare Out-Of-Network Reimbursement

Allowed amounts for out-of-network medical claims

will change from “reasonable and customary” to a new

benchmark, and you may be billed for higher amounts.

Out-of-Network Mental Health Services Covered at Higher Levels

To ensure you get the mental/behavioral health care you

need, taking into consideration that many providers are out-

of-network, the company is increasing coverage levels for

mental health and substance abuse services. In the Custom

Care Medical Plan, out-of-network coverage is going from

70% after the deductible in 2021 to 75% after the deductible

in 2022, and in the Consumer Advantage Plan, out-of-

network coverage is going from 60% after the deductible in

2021 to 65% after the deductible in 2022. Generally, this

means the plan will pay more and participants will pay less

for those services. Please see the chart on page 9 for details.

In-Network Co-Pays Decreasing for Physical Therapy

The company is making it more affordable for you to get

the treatment you need. In 2022, in-network co-pays for

Rehabilitative Services, such as physical therapy, speech

therapy and chiropractic, will be lowered from $45 to $35

for the Custom Care Medical Plan and Network Access

Medical Plan.

For 2022, ELC benefits program changes are being made to help the company respond to rising health care costs and ensure that employee costs are reasonable, services are accessible and funding is equitable. To continue offering comprehensive programs, the company will make adjustments as needed so it can reallocate funds to deliver relevant programs to as many employees as possible. As always, Corporate Benefits will keep you informed about changes or new elements being introduced.


5

Annual Enrollment is a great time to consider your core benefits options and be sure you’re enrolled in programs that meet your needs.

Benefits Program Reminders

*PulseCash rewards earned are considered income by tax authorities and therefore are subject to applicable payroll taxes. The tax will be scheduled to be processed through payroll in the ELC employee’s paycheck following when rewards are earned.**Premium Credit earned in a calendar year is applied to the ELC employee in the following calendar year and is subject to applicable payroll taxes. Premium Credit can only be earned by employees or spouses/domestic partners in an ELC Medical Plan.

S T E P 1

Read Up As a starting point, read up and

understand the benefits available.

You have two options:

1. Start today! Read this booklet

to learn about benefits options

for 2022. Review the enclosed

worksheet to see your costs.

2. Start November 1! Use the

“Alight Mobile” app or log in to

ybr.com/esteelauder, click

“Review options and enroll” then

view your options and costs.

S T E P 2

Make Decisions Make decisions about which

benefits are best for you.

Find tools on ybr.com/esteelauder

including:

• Medical Plan recommendation

• Compare Medical Plans tool

• Medical Plan videos

Your Benefit Pro can also help

you weigh your options.

Call 866-617-9127.

S T E P 3

Enroll Enroll in 2022 benefits

between November 1 and 12, 2021.

• Online. Use the “Alight Mobile”

app or log in to ybr.com/

esteelauder. Click “Review

options and enroll”.

• By phone – call 877-742-3520,

to enroll Monday – Friday, 8:00

a.m. – 8:00 p.m. ET.

• By phone – make an appointment

at ybr.com/esteelauder.

Your Next Steps

The Company Contributes to Your HSA If you enroll in the Consumer Advantage Medical Plan for

2022 and your annual base pay is less than $200,000, the

Company will make a contribution to your Health Savings

Account (HSA) in January. Use this money to pay for eligible

health care expenses now or in the future.

There are many programs that are staying the same for 2022. Below are a few important reminders about ways you can participate in medical and wellbeing programs.

Same Wellbeing Rewards are Available Any ELC participant (employee, spouse, domestic partner)

can earn up to $150 per quarter in rewards (PulseCash* or

Premium Credit**) in 2022 with ELC’s Wellbeing Program

through Virgin Pulse. Learn more at join.VirginPulse.com/ELC.

You can review your costs and change your enrollment in core benefits

such as Medical and Dental Plans. After enrolling, you’ll receive a

confirmation statement via email immediately and mailed to your home

early December.

Enroll in Your Benefits

Nov. 1 - 12, 2021ybr.com/esteelauder

877-742-3520

6

You Have Choices ELC offers a variety of programs so you can participate in the ones that work best for you. You can choose between three Medical Plans: Consumer Advantage Plan, Network Access Plan and Custom Care Plan. A Prescription Drug Plan is included with all Medical Plans. We also offer two Dental Plans and a Vision Plan.

We offer additional programs to support you in making decisions about which medical coverage is best for you, such as Alight Benefit Pro and Medicare Solutions (see page 25).

Core Benefits ELC’s core benefits programs support the health and welfare of employees and their family members, inclusive of all definitions of family. Our offerings are designed to deliver value and provide flexibility and protection.

Part 1

2022 BENEFITS – CORE BENEFITS


7


8

*This amount reflects 2021 ELC limits.**2022 HSA limits are $3,650 for individual coverage and $7,300 for family coverage. A $1,000 catch-up contribution is available if you are age 55 or older.

Our Medical Plans are administered by UnitedHealthcare and offer you access to the Choice Plus network of providers. In-network preventive care is covered at 100% (no deductible or co-payment) for all Medical Plans.

Medical Plans

MEDICAL PLANS: COMPARISON

Per-paycheck

Out-of-pocket costs throughout the year

Flexibility to choose providers

Opportunity to pay health care costs with pre-tax dollars

Preventive care coverage

Coverage for preventive medications

Higher cost than Network Access and Consumer Advantage Plans

Higher deductible and higher out-of-pocket maximum than the Network Access Plan. Lower deductible than the Consumer Advantage Plan and lower out-of-pocket maximum.

You can choose any provider, but care from an in-network provider will cost you less.

You can contribute up to $2,750* to a Health Care FSA. You forfeit any unused balance at the end of the year.

You pay the co-payment as shown on the next page.

Lower cost than Custom Care Plan, but higher cost than Consumer Advantage Plan

Lower deductible and lower out-of-pocket maximum than the Custom Care Plan and Consumer Advantage Plan.

You can use only in-network providers. Care received out of network will not be covered, except emergency care.

You can contribute up to $2,750* to a Health Care FSA. You forfeit any unused balance at the end of the year.

You pay the co-payment as shown on the next page.

Lowest cost of all plans

Higher deductible and out-of-pocket maximum than the Custom Care Plan and Network Access Plan, which means you may pay more out of pocket throughout the year. However, your prescription drug costs count toward meeting your deductible and out-of-pocket maximum.

You can choose any provider, but care from an in-network provider will cost you less.

You can contribute up to IRS limit** to an HSA. The balance carries over from year to year, earns interest, and can be saved for health care expenses in retirement. In addition, if your annual base pay in 2022 is less than $200,000, the Company contributes to your HSA.

Certain preventive medications will be covered before you meet your deductible. You will pay the co-payment as shown on the next page.

CUSTOM CARE NETWORK ACCESS CONSUMER ADVANTAGE

Preventive care received in network is covered at 100% even before you meet your deductible.

Co

re Benefits

1

Green indicates that coverage levels are increasing for 2022, generally meaning lower costs for the employee.

Orange indicates that coverage levels are decreasing for 2022, generally meaning higher costs for the employee.

Learn MoreFor more detailed information

about ELC Medical Plans, read the Summary Plan

Description (SPD) on ybr.com/esteelauder.


9

*Under the Consumer Advantage Plan, family coverage refers to individual plus one or more dependents.

2022 MEDICAL PLANS: QUICK REFERENCE CHART

ANNUAL DEDUCTIBLE

Individual

Individual +1

Individual +2 or more

ANNUAL OUT-OF-POCKET MAX

Individual

Individual +1


Adult Physical Exam including Diagnostic Tests and Immunizations

Routine Pediatric Care including Diagnostic Tests & Immunizations

Routine Ob/Gyn Care including Pap Tests

Mammograms/PSA Tests

Primary Care Physician

Specialist

Rehabilitative Services including Physical Therapy

Lab Tests and X-Rays

Advanced Imaging including MRI, CAT Scan, etc.

HOSPITAL SERVICES

Outpatient Surgery Inpatient Surgical Services Semi-Private Room/Board

Emergency Room

Urgent Care Facility

Prenatal, Delivery and Postnatal Care by Ob/Gyn

Lab Tests & Radiology Services

Inpatient Hospital

Office Visits

Inpatient

65% AFTER DEDUCTIBLE



$2,650

$5,300

$6,625

IN-NETWORK

100% NO DEDUCTIBLE

100% NO DEDUCTIBLE

100% NO DEDUCTIBLE

100% NO DEDUCTIBLE



$125 CO-PAY

$45CO-PAY

$35 CO-PAY

$45 CO-PAY

100% NO DEDUCTIBLE

100% NO DEDUCTIBLE

$35 CO-PAY

$350

$700

$875

$35 CO-PAY

CUSTOM CARE


$3,500 INDIVIDUAL

$7,000 FAMILY*

IN-NETWORK

100%NO DEDUCTIBLE

100% NO DEDUCTIBLE

100% NO DEDUCTIBLE







$2,800 INDIVIDUAL

$5,200 FAMILY*

100% NO DEDUCTIBLE






CONSUMER ADVANTAGE


$2,550

$5,100

$6,375

IN-NETWORK

$45 CO-PAY

$125 CO-PAY



100% NO DEDUCTIBLE

100% NO DEDUCTIBLE

$35 CO-PAY


$35

$45

100% NO DEDUCTIBLE

100% NO DEDUCTIBLE

100% NO DEDUCTIBLE

100%NO DEDUCTIBLE

$150

$300

$375

$35 CO-PAY

NETWORK ACCESS


$4,500

$9,000

$11,250

$125 CO-PAY

$45 CO-PAY

OUT-OF-NETWORK













$1,500

$3,000

$3,750



$6,000 INDIVIDUAL

$15,000 FAMILY*

OUT-OF-NETWORK

60%AFTER DEDUCTIBLE











$4,000 INDIVIDUAL

$10,000 FAMILY*




PREVENTIVE CARE

OFFICE VISITS

PROFESSIONAL SERVICES

EMERGENCY ROOM/URGENT CARE

MATERNITY CARE

MENTAL HEALTH/SUBSTANCE ABUSE







10

You can choose to fill your prescriptions at a retail pharmacy

or through the mail-order service. At a network pharmacy, use

your prescription drug ID card (separate from your medical

ID card) and pay your co-payment or co-insurance. With mail

Prescription Drug PlanWhen you enroll in an ELC Medical Plan, you receive coverage under the Prescription Drug Plan, administered by CVS/caremark, at no extra cost.

*Under the Consumer Advantage Plan, certain preventive medications will be covered with just a co-payment before you meet your deductible.

**Copayment, copay or coinsurance means the amount a plan member is required to pay for a prescription in accordance with a Plan, which may be a deductible, a percentage of the prescription price, a fixed amount or other charge, with the balance, if any, paid by a Plan. of the prescription price, a fixed amount or other charge, with the balance, if any, paid by a Plan.

$3,500 INDIVIDUAL

$1,500

$3,000

$3,750

RETAIL RETAIL RETAIL

$1,500

$3,000

$3,750

MAIL-ORDER MAIL-ORDER MAIL-ORDER

$1,500

$3,000

$3,750

Generic

Brand-Name

Non-Preferred Brand

$12

$35

$60

$20

$60

$100

$24

$70

$120

$10

$30

$50

$10

$30

$50

$20

$60

$100

$6,000 INDIVIDUAL

$7,000 FAMILY

$15,000 FAMILY

COMBINED WITH MEDICAL

Individual

Individual +1


CO-PAYMENTS

OUT-OF-POCKET MAXIMUM

PRESCRIPTION DRUG PLAN: QUICK REFERENCE CHART

$2,800 INDIVIDUAL

$4,000 INDIVIDUAL

$5,200 FAMILY

$10,000 FAMILY

N/AN/ACOMBINED WITH MEDICALANNUAL

DEDUCTIBLE* N/A

IN-NETWORK CUSTOM CARE

IN-NETWORK CONSUMER ADVANTAGE

IN-NETWORK NETWORK ACCESS

OUT-OF-NETWORK OUT-OF-NETWORK

Co

re Benefits

1

If you (or a dependent) take specialty medications, you may

be eligible for the PrudentRx Co-Pay Program to help pay

for those medications using manufacturers’ copay assistance

programs. This new program starts January 1, 2022 and only

applies to participants in the Network Access or Custom Care

Medical Plans and only covers certain specialty medications. If

you enroll in the program, you will have no copay for covered

prescriptions. If you are eligible for the program but don’t

enroll, a 30% copay will apply to covered prescriptions. For

example, if you are eligible but do not enroll in the program,

the copay for a covered specialty drug that costs $1000 would

be $300. If you are eligible for the program, PrudentRx will

reach out to you directly by phone and email.

New Dispense as Written Rule New Specialty Drug ProgramELC is implementing a new rule within the Prescription

Drug Plan for all ELC Medical Plans known as “Dispense

as Written” or “DAW” that helps encourage use of generic

medications, which saves you money. Most pharmacies,

including CVS/caremark Mail Service Pharmacy, will

substitute an available generic medication unless your

doctor indicates “dispense as written” on the prescription,

or you ask for the brand-name medication. As of January

1, 2022, if you or your doctor request a brand-name

medication when a generic equivalent is available, you

will pay the brand copay**, plus the difference in cost

between the brand-name and the generic medication.

order, you can order online or by phone and save money.

Out-of-pocket maximums protect you from very high health

care expenses. Once you reach the maximum, the Plan pays

100% of eligible prescription drug costs.

Vision PlanYour eye health is a key part of overall wellness.

Vision care services are offered to you and your

eligible dependents through Davis Vision, one of

the nation’s leading vision care providers. This is

a separate election from medical benefits.

VISION PLAN: QUICK REFERENCE CHART

FREQUENCYCO-PAYMENT IN-NETWORK

IN-NETWORK COVERAGE FROM DAVIS

OUT-OF-NETWORK REIMBURSEMENT

Once every calendar year


Once every other calendar year


$0

$0

$0

$0

Covered in full

Clear glass or plastic lenses in any single vision, lined bifocal, trifocal, and lenticular prescription are covered in full

Up to $120 for retail, plus 20% off on any overage*

Complete coverage on any Fashion or Designer level frame from the Davis Vision Frame Collection**

Up to $120, plus a 15% discount on any overage*

Full coverage for contact lens evaluation and fitting for Standard Lenses***

Complete coverage on a supply of contact lenses from the Davis Vision Contact Lens Collection (number of covered boxes varies by lens type)

Up to $40

• Single vision up to $40 • Lined bifocal up to $75• Trifocal lenses up to $100 • Lenticular lenses up to $75

Up to $120

Up to $75

Eye Exam

Lenses

Frame

Contact Lenses


How it WorksSelect the network provider of your choice and identify yourself as a Davis Vision member.

If you choose an out-of-network provider, you pay provider fees for services and materials and are reimbursed per the out-of-network benefit limits.

Davis Vision covers costs associated with obtaining a supply of contact lenses only if purchased instead of eyeglasses.

11

*Additional discounts not applicable at Walmart or Sam’s Club locations. **Frames included in the Premier Level of the Davis Vision Frame Collection are subject to a $25 co-payment. ***For specialty contact lenses (including, but not limited to, toric, multifocal, and gas-permeable lenses),

members receive $60 toward their contact lens evaluation and fitting, plus a 15% discount off the balance over $60.


Dental PlansDental care is an important part of your overall health care. The Dental Plans are separate elections from your medical benefits. You can enroll in the Dental Assistance Plan or the Enhanced Dental Plan. Below are coverage highlights.

DENTAL ASSISTANCE PLAN

PLAN HIGHLIGHTS

$1,500 $50 $100 $125 ANNUAL MAXIMUMANNUAL DEDUCTIBLE

Per personIndividual Individualplus one

Individual plus two or more

SERVICE (WITH EXAMPLES) COVERAGE

100%, based on reasonable and customary limits, no deductible

After the deductible,

$413

$523

not covered

50%, based on reasonable and customary limits, no deductible $1,000 per person lifetime limit (there is no annual limit)

DIAGNOSTIC AND PREVENTIVE PROCEDURES

Periodic exams

Cleanings

X-rays

MAJOR SERVICES

Porcelain/ceramic substrate crown

Upper or lower denture

Implants

ORTHODONTICS

Screening exam

Comprehensive adult or child treatment


$56

$62

$62


$84

$185

RESTORATIVE SERVICES

Amalgam fillings, 1 surface

Composite resin, 1 surface, anterior

Composite resin, 1 surface, posterior

ORAL SURGERY

Single tooth extraction

Removal of impacted tooth (soft tissue)C

ore B

enefits

1

13

ENHANCED DENTAL PLAN

PLAN HIGHLIGHTSSERVICE (WITH EXAMPLES)

COVERAGE IN-NETWORK

COVERAGE OUT-OF-NETWORK*

100%, no deductible

100%, no deductible

60%, after deductible

50%, no deductible$2,000 per personlifetime limit


50%, no deductible$2,000 per personlifetime limit

DIAGNOSTIC AND PREVENTIVE PROCEDURES

Periodic exams

Cleanings

Full-mouth x-rays

Periapical x-rays

MAJOR RESTORATIVE SERVICES

Prefabricated stainless steel and resin crowns

Crown build-ups /post and core

Dentures

Implant services

Oral surgery

ORTHODONTICS

Screening exam

Comprehensive adult or child treatment



BASIC SERVICES

Amalgam fillings

Composite resin

Periodontics

*Out-of-network services are subject to reasonable and customary limits.

$2,500 $2,000 $50 $100 $125 ANNUAL MAXIMUMANNUAL DEDUCTIBLE

Per person(in-network)

Per person(out-of-network) Individual Individual

plus oneIndividual plus two or more


Submitting ClaimsYou will not receive an ID card for the Dental Plans. Claims can be submitted using your employee ID number. You are not required to provide your Social Security Number on your claim submission form.

14

2022 BENEFITS – INSURANCE & VOLUNTARY BENEFITS

You Have Choices Different programs and varying levels within them allow you to customize your participation in our insurance and voluntary benefits. During Annual Enrollment, you can elect or change your participation level in the programs shown on the following pages.

Insurance andVoluntary Benefits To help improve employees’ security and financial protection, ELC offers coverage such as life insurance, critical illness insurance and legal insurance, which supports our core benefits programs. Some of these are provided by the Company automatically.

Part 2

15


2022 BENEFITS – INSURANCE & VOLUNTARY BENEFITS

Basic Life Insurance The Company pays for Basic Life Insurance coverage of

two times your annual base pay (rounded up to the nearest

$1,000). The minimum benefit is $50,000, and the maximum

benefit is $500,000. No election is required.

Voluntary Life Insurance*

You can purchase additional life insurance coverage,

called Voluntary Life Insurance, for you and your eligible

dependents (spouse and/or children).

• EMPLOYEE – The minimum benefit for you is $25,000, and

the guaranteed issue (GI) limit amount, without providing

evidence of insurability (EOI) for those already enrolled, is

the lesser of three times your annual base pay or $500,000.

New enrollees will need to provide EOI for approval by

The Hartford. You can elect coverage of up to seven times

your base pay, with a maximum benefit of $1.25 million.

View costs for Voluntary Life Insurance on your Enrollment

Worksheet or at Your Benefits Resources.

• SPOUSE – Voluntary Life Insurance for your spouse is

$25,000. Your spouse’s rate is based on his/her age.

• CHILD – You can insure each child for $4,000. The

monthly rate for child coverage is $0.69, regardless

of the number of children covered.

View costs for Voluntary Life Insurance on your

Enrollment Worksheet.

Basic AD&D Insurance The Company pays for Basic AD&D Insurance coverage of

two times your annual base pay (rounded up to the nearest

$1,000). The maximum benefit is $500,000. No election

is required.

Voluntary AD&D Insurance*

You can purchase additional AD&D coverage for you

and your eligible dependents.

• The minimum benefit is $50,000, and the maximum

is the lesser of 10 times your base pay or $1,000,000.

All elections are in $50,000 increments.

• If you elect Family coverage, your spouse’s coverage will

be 50% of your benefit amount (or 60% if you don’t have

eligible children), and each child will be covered for 20%

of your benefit amount (or 25% if you do not have

a spouse).

View costs for Voluntary AD&D Insurance for Individual

and Family coverage on your Enrollment Worksheet.

Life & AD&D Insurance PlansThe Company automatically provides you with Basic Life Insurance coverage and Accidental Death & Dismemberment (AD&D) Insurance. You also have the option

to purchase additional coverage for you and your eligible dependents.

* Voluntary Life and Voluntary AD&D are not available to RSL/ADDF employees.

Insurance andVo

luntary Benefits

2Plan AheadMake sure to designate

your beneficiaries at ybr.com/esteelauder.

16


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Enroll in the UltimateAdvisor® Legal Insurance Plan from

ARAG® and have a place to turn for help. For $11.75/month,

get access to a nationwide network of attorneys who work

with you in person, by phone or online to consult on legal

issues, review documents and represent you, if needed.

Legal Insurance PlanLife is full of legal situations. Some are planned, like buying a home, others are not.

• Wills and Estate Planning

• Landlord/Tenant Issues

This Plan can help cover unexpected expenses should you be diagnosed with a

covered specified disease. It provides financial resources so you can pay out-of-

pocket medical expenses and other living expenses. The Plan, also known as a specified disease policy, pays

a lump sum amount to you upon your own or a covered

dependent’s diagnosis of certain specific diseases, such as:

• Certain cancers

• Certain heart conditions

Critical Illness Insurance Plan

Coverage provided depends on your Medical Plan.

• Enrolling in Consumer Advantage or Network Access

gives you $5,000 of coverage. You can purchase more.

• If you are enrolled in the Custom Care Plan, you can

purchase Critical Illness coverage.

• Ruptured aneurysms

• Chronic renal failure

• Dislocations

• Paralysis

Accident Protection Plan

The Plan pays a lump sum amount for you or a covered

dependent’s covered accidents/injuries, such as:

You can’t anticipate an accident, but you can financially protect yourself when you experience one. This Plan covers on- and off-the-job accidents.

Coverage provided depends on your Medical Plan.

• Enrolling in Consumer Advantage or Network Access

gives you base benefits coverage. You can purchase

enhanced benefits.

• If you are enrolled in the Custom Care Plan, you

can purchase Accident Protection coverage.

Enroll any time of year through ELCAddedBenefits.com

or by calling 844-875-1886.

This proactive monitoring service from Allstate helps protect you from identity theft, alerts you of signs of fraud and helps fully restore your identity.

Identity Theft Protection Plan

The cost is $9.95/month for employee only

or $17.95/month for family coverage.

• Fractures & Lacerations

• Follow Up Care

• Ground Ambulance

• Accidental Death & Dismemberment

• Debt- or IRS-Related Matters

• Immigration Assistance

Enroll in the Legal Plan by November 12, 2021 at

ELCAddedBenefits.com or 844-875-1886.

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You Have Choices The accounts offered for 2022 include Flexible Spending Accounts (FSAs) and a Health Savings Account (HSA), which are designed to help you plan upcoming expenses and set aside money to support your short- and long-term personal financial goals. If you’d like to participate in these accounts in 2022, you must elect them during this

Annual Enrollment period.

Health Accounts The Company cares about your financial wellbeing and wants to help you live a full, enjoyable life both in your working years and in your retirement. The accounts offered during Annual Enrollment can help you save money and some create opportunities for balances to grow over time. These accounts support our core benefits and family-related programs.

Part 3

2022 BENEFITS – HEALTH ACCOUNTS


19

2022 BENEFITS – HEALTH ACCOUNTS

20

Your Account

If you accept the terms and conditions to open an HSA,

an account will be opened in your name and administered

through Smart-Choice. The balance in your account will be

held at UMB Bank, n.a., Member FDIC. You’ll be issued a

debit card to pay for eligible expenses.

Your balance rolls over from year to year, and you can use

funds whenever you need them—even in retirement.

What’s Eligible Only certain expenses are eligible for payment through

an HSA, including:

• Medical Plan and Prescription Drug Plan co-pays,

deductibles and coinsurance

• Dental and orthodontic care

• Other health care expenses not covered by the

Medical Plan

Your Contributions Choose the pre-tax amount you want to contribute for

the year. These limits include contributions you and the

Company* make to your account.

• For 2022, the IRS limits contributions to your HSA

to $3,650 per year for individual coverage, or up to

$7,300 per year for family coverage. Limits are subject

to change.

• If you are age 55 or older, you can also contribute an

extra $1,000 catch-up contribution.

Company Contribution You do not have to contribute to an HSA. If your annual

base pay is less than $200,000, the Company will make

a contribution to your account* annually.

• For Individual Medical coverage, the Company will

contribute $1,000 to your HSA for 2022.

• For Family Medical coverage, the Company will contribute

$2,000 to your HSA for 2022. Family coverage includes

individual plus one or more dependents.

Note: Under federal guidelines, a domestic partner is

not an eligible dependent for the HSA. So your Company

contribution will not take a domestic partner into account

and you cannot pay costs for a domestic partner with your

HSA balance.

It’s Easy to Participate1. If you’re enrolled in the Consumer Advantage Plan for

2022, you can enroll in an HSA during Annual Enrollment.

Contributions are deducted from your paycheck.** You can

start, stop or change contributions at any time.

2. Pay for eligible expenses using the debit card. You can also

reimburse yourself for any eligible out-of-pocket expenses

through Your Benefits Resources. You will not be required

to submit receipts.

3. Save receipts for items or services paid for with HSA funds

in the event they’re requested by the IRS.

Health Savings Account (HSA)When you enroll in the Consumer Advantage Plan, you get access to a Health Savings Account (HSA). Per federal rules, you can save with an HSA only when enrolled in a “high deductible health plan” like the Consumer Advantage Plan.

* The Company contributes annually to qualifying employee accounts in January, if the employee meets the criteria and enrolls between November 1 and December 31 of the prior year. Details about the Company contribution are shared each year during Annual Enrollment. In order for the Company to contribute to your account, you must accept the terms and conditions of the HSA so that it can be properly set up in your name. If you don’t accept the terms and conditions, you will not receive the Company contribution.

** The annual dollar amount you choose to contribute to your HSA is divided by the number of pay periods to determine a consistent contribution from each paycheck. Only the amount contributed to date is available to you.

Health A

ccounts

3


If eligible, you can participate in the Dependent Care FSA

for 2022 regardless of whether you enroll in an ELC Medical

Plan. Contributions are taken via payroll deductions from

January through December. Only the amount you have

contributed to date is available for reimbursement.

• By IRS rules, married individuals who file separate tax

returns can contribute, on a pre-tax basis, up to $2,500

annually (up to $5,000 if you are married and file a joint

tax return).

You cannot participate in the Health Care FSA if you

enroll in the Consumer Advantage Plan. If eligible, you

can participate in the Health Care FSA for 2022 regardless

of whether you enroll in an ELC Medical Plan. The entire

amount you elect to contribute is available to you as of

January 1, 2022.

Dependent Care FSA

Health Care FSA

The Dependent Care Flexible Spending Account (FSA) lets you put aside money to pay for eligible dependent care expenses, such as day care or preschool for your child, or day care services for elderly or disabled adult dependents who live with you.

The Health Care Flexible Spending Account (FSA) allows you to set aside money to pay for certain medical expenses for you and your family that your Medical Plan doesn’t cover. Use it to purchase eligible health care items at providers such as doctor/dentist offices, hospitals or pharmacies.

• If you are considered highly compensated your

contributions will be limited to $1,800 annually.

You can elect to put away as little as $200 and as much as

$2,750 annually, on a pre-tax basis.

If you enroll in the Health Care FSA, you will be mailed a

Smart-Choice card – a signature-based Visa debit card. If your

merchant does not accept your Smart-Choice card, you’ll pay

for eligible expenses out of pocket then request reimbursement.

FSA HighlightsYou must re-enroll each year during Annual

Enrollment to participate in an FSA. FSAs have “use it or lose it” rules, so dollars not claimed will

be forfeited. Consider contributions carefully.

21

22

You Have OptionsOnce eligible, you can enroll in or change your

participation in these programs at any time of year.

Highlights of Additional BenefitsYou have many benefits plans and programs available to you throughout any given year. This section provides highlights of some, but not all, of those programs. To view all programs, such as the Commuter Program and Home/Auto/Pet Insurance, if eligible, visit ELC2022benefits.com and use password beauty.

Part 4

2022 BENEFITS – ADDITIONAL BENEFITS


23

2022 BENEFITS – ADDITIONAL BENEFITS

24

Back-Up Child & Back-Up Elder Care Through the Bright Horizons Back-Up Care™ program, eligible* employees can utilize its network of child care centers and

access in-home services for children and adults. These services can help you when your regular care isn’t available and you

need to work. Here are a few of the program highlights:

Elder Care Program This program through Bright Horizons gives you* access to comprehensive resources and specialized services.

• You can schedule in-home care for your child or an adult/

elder family member.

• You have 15 visits per dependent per year and you pay a

small co-payment.

• Register and reserve care at clients.brighthorizons.com/

ELC. You also have 24/7 access at 877-242-2737.

You can sign up your senior family members, including

parents and in-laws, and utilize:

• Ongoing support from an experienced Care Coach.

• An online platform to help plan and coordinate care.

• Personalized guidance from health and legal experts.

• Specialized referrals to local service providers.

• You have access to quality, licensed child care centers,

including more than 1,500 Bright Horizons child care

centers and affiliates across the country.

• The Return to Work program offers 15 additional care visits

(during the child’s first year) following the birth, adoption

or placement of a child.

Some services are provided at no cost to you, including

registration, use of the online platform, use of a Care Coach

and one-hour phone sessions with a financial consultant.

Costs may apply for more in-depth services.

Register an elder family member or loved one at clients.

brighthorizons.com/ELC or by searching for the “Care

General” app.

Family-Related Programs

*RSL/ADDF employees are not eligible for the programs on this page, but do have access to other family-related programs such as the Adoption Assistance Program.

Enhanced Family Supports For reliable child care or extra academic support, eligible* employees can rely on Bright Horizons® Enhanced Family Supports.

Visit clients.brighthorizons.com/ELC for:

• Primary child care solutions, which offers access to a

premium database of sitters and discounts on nanny services.

• Access to pet care resources and more.

• Academic support and tutoring services, including exclusive

discounts on tutoring and access to caregivers.

Ad

ditio

nal Benefits

4Circle In – Caregiving PlatformThe Circle In platform assists parents and caregivers, ensuring

you* have tailored, confidential advice and support for every

stage of your personal family journey. You’ll find it helpful

whether you’re a caregiver for an elderly relative, planning

to have your own family, currently on parental leave or a

working parent balancing long hours and childcare.

To sign up, visit circlein.com/invitation/elcusa/ then enter

your personal details and this code for ELC: WJN229

NEW PROGRAM

25

Wellbeing Programs

*Rewards available include PulseCash and ELC Medical Plan Premium Credit. These rewards are subject to applicable payroll taxes. The employee will be taxed for both his/her rewards and for those earned by his/her spouse or domestic partner.

**These programs are not availble to RSL/ADDF and BCRF employees.

Virgin PulseThe ELC Wellbeing Program through Virgin Pulse gives benefits-eligible employees the opportunity to improve your

health and earn up to $600 in rewards* annually. Spouses and domestic partners who are enrolled in an ELC Medical

Plan can also join Virgin Pulse and earn up to $600 in rewards* annually. By enrolling at join.VirginPulse.com/ELC you can:

• get a free fitness tracker

• earn premium credit if enrolled in an ELC Medical Plan

• track and get rewarded for healthy activity

• join fun challenges, as part of a team or on your own

• access additional, specialized programs

• become a better, healthier you!

Alliant Medicare Solutions** You, your family members and friends can take advantage

of Medicare Solutions, which helps anyone turning age 65

or already over 65 understand options and select Medicare

plans that work for their individual situation. This program

Work Life Connections – Assistance ProgramWhen it comes to balancing family, work and personal

needs, your assistance program, administered by Magellan

Healthcare, can help you check off daily tasks and work on

more complex issues. This confidential program is available

to you and your household members at no cost, 24/7/365.

You can meet with a counselor or lifestyle coach, use

digital emotional wellness tools, plan for special life events,

get help with managing finances, and more. Call 1-800-

327-7940 or visit MagellanAscend.com, click “Find My

Company” then type “Estee Lauder Companies.”

MSK DirectMSK Direct gives you and your family access to a team

of oncology nurses, social workers and Care Advisors

from Memorial Sloan Kettering (MSK) Cancer Center who

specialize in cancer. The MSK Direct team provides a wide

range of services – from prevention and screenings to care

and survivorship. The team can answer questions and offer

personalized guidance for getting the best cancer care.

Call 1-844-473-3190 or visit mskcc.org/ELC to make an

appointment or inquire about a Remote Second Opinion.

Unmind – Mental Health App**

This confidential app helps you measure, manage and improve your mind. Its methods are rooted in neuroscience and

positive psychology. Unmind offers tools and trainings, including a daily mood tracker. To enroll:

1. Visit ELC.Unmind.com or download the Unmind app. Use

company name “ELC” if prompted.

2. Use your employee ID to create an account with your

personal or work email address.

3. You’ll receive an email asking you to verify your email

address. Check your spam/quarantine folder. After verifying

your email address, the account is active.

4. Click “Account” under “Hello There” to invite one person

outside of ELC to join Unmind.


NEW PROGRAM

NEW PROGRAM

can help improve your peace of mind and financial

wellbeing. Contact Medicare Solutions at 800-968-4179 to

speak with a licensed agent. The person turning 65 should

make the call approximately three months prior to their

65th birthday.

core benefits providers

Documents