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My Benefits Book 2016

1 GET STARTED > KEEP MOVING > NEVER QUIT 2GET STARTED > KEEP MOVING > NEVER QUIT

TABLE OF CONTENTS

4 Your Benefits Options

6 Eligibility 6 Employee Eligibility 7 Changes in Status that Affect Benefits Eligibility 8 Dependent Verification Required 9 Beneficiaries

10 Paying for Your Benefits 11 Enrolling in Benefits 12 Whom to Contact about Enrollment

15 Changing Your Elections

17 Healthcare Consumerism

18 Wellness Program 18 Requirements 18 Rewards 19 The GKN Tobacco/Nicotine Cessation Program

20 Medical Plans 20 The Value Saver Plans 21 The Basic Plan [Grandfathered employees only]

22 Compare Medical Plans 23 2016 Medical Plan Key Features Comparison Chart

26 Using Your Medical Plan 26 Preventive Care 27 Prescription Drugs 28 Medical ID Cards 28 Partnering with Your Physician 29 Urgent Care Centers 29 Telemedicine through Teladoc®

30 Highmark’s Blues On Call®

30 Highmark’s Baby BluePrints®

31 Highmark’s Online Tools and Resources 32 Highmark’s Care Cost Estimator 32 Using Your Coverage While Traveling

33 Health Savings Accounts 34 Am I eligible for a Health Savings Account (HSA)? 35 Accessing Your Highmark HSA

36 Flexible Spending Accounts 36 Healthcare Flexible Spending Account (HC FSA) 36 Limited Use Healthcare Flexible Spending Account (LFSA) 37 Dependent Care Flexible Spending Account (DC FSA)

38 HSA v. Healthcare FSAs

39 Dental Plan

40 Vision Plan

41 Income Protection 41 Basic Group Term Life Insurance 41 Optional Group Term Life Insurance 42 Basic AD&D Benefits 42 Optional AD&D Benefits 42 Disability Insurance

43 Voluntary Benefits

45 Work/Life 45 Employee Assistance Program (EAP)

46 Savings 46 401(k) Plan 47 Invest in GKN with ADRs

48 Understanding Benefits Terms

49 Contacts

Our healthcare vision is to provide our employees and their families with the programs, education, support and incentives to help them make healthier lifestyle choices; provide the security of a comprehensive healthcare plan;

and be intelligent healthcare consumers.

U.S. HEALTHCARE VISION AND MISSION

To achieve our vision, our mission will be to:

• Provide a comprehensive, competitive and consumer-oriented healthcare program

• Encourage employees and their families to take accountability for their own health management

• Promote and incent participation in health management initiatives

• Encourage preventive care screenings and checkups to increase the detection and intervention of health issues

• Participate in wellness activities including increased physical activity, improved nutrition, prevention, etc.

• Reduce healthcare risk through tobacco cessation, weight management, stress management, etc.

• Provide access to educational material and coaching

• Offer incentives structured to reward healthy lifestyle choices

• Minimize healthcare cost escalation

We will measure our success by:

• Benchmarking our benefits

• Improving overall employee health scores

• Minimizing healthcare cost inflation relative to the national average and other peer companies

WE BELIEVE THAT A HEALTHY, ENGAGED WORKFORCE IS GOOD FOR ALL EMPLOYEES AND GOOD FOR GKN.

Get to know your benefits today! This reference guide will answer many questions you may have about the benefits offered by GKN.

To access benefits information, visit the GKN Benefits Service Center website any time at gkn.benefitsnow.com. It’s fast, easy and it’s

customized for GKN employees. In addition to this guide, the GKN Benefits Service Center website has:

• Plan description booklets for most insurance programs. • Links to sites for our insurance carriers and other benefit plan providers. • Information about GKN’s benefits programs.

Don’t have access to the internet? Call the GKN Benefits Service Center at 1-800-861-6481, Monday-Friday, 9:30 am – 6:00 pm ET.

Additionally, at the back of this benefits book is a list of websites and phone numbers for each plan.

WELCOME!

Contact information for all carriers is available at the back of this book on page 49.3 GET STARTED > KEEP MOVING > NEVER QUIT GET STARTED > KEEP MOVING > NEVER QUIT

INTRODUCTION YOUR BENEFITS OPTIONS

We hope these materials provide you with the information you need to make decisions regarding

your benefits coverage and to enroll in your benefits.

GKN is committed to providing you and your family with the programs, education, support and

incentives needed to make healthier lifestyle choices. Through a comprehensive healthcare plan

and access to tools and resources, you’ll be able to choose the benefit coverage that works best

for you and take steps to be healthy and stay healthy.

The GKN benefits program includes the following for eligible employee groups:

• Medical Insurance, including telemedicine • AD&D: Basic and Optional

• Dental Insurance • Short- and Long-Term Disability

• Vision Insurance • Voluntary Benefits

• Wellness Program • Retirement Savings Plan (401(k))

• Health Savings Accounts • American Depositary Receipts (ADRs)

• Flexible Spending Accounts • Employee Assistance Program (EAP)

• Life Insurance: Basic and Optional

In this guide, you’ll find plan information to help you choose your benefits coverage and important

details that you may need to refer to during the year. When using this guide, think about your

current health and what you may do in the coming year to be more accountable and live healthier.

Good health is a journey. Take advantage of the tools, resources and activities we offer to you and

your family.

We encourage you to keep this guide handy as a reference to your GKN benefits throughout the year.

1 Per the Plan document.2 Grandfathered employees only; must be hired on or before December 31, 2014, to be eligible to enroll in the Basic Plan.3 Optional term life for employee and spouse may be subject to Evidence of Insurability (EOI). See Optional Group Term Life Insurance on p. 41 for more information.

BENEFIT DESCRIPTION CARRIER/PLAN NAME COST

Medical In and out of network coverage. Includes preventive care at no cost to you.1

Highmark Blue Cross Blue ShieldValue Saver (CDHP)Value Saver Plus (CDHP)Basic Plan2 (Traditional PPO)

You contribute pre-tax dollars through payroll deduction. The cost is shared between you and GKN.

Dental In and out of network coverage. Includes preventive care at no cost to you.1

United Concordia (UCCI)Alliance Dental Network

You contribute pre-tax dollars through payroll deduction. The cost is shared between you and GKN.

Vision In and out of network coverage. Copay for annual eye exam.

Vision Service Plan (VSP)Choice Plan

Community Eye CareNorth/South Carolina residents only

You contribute pre-tax dollars through payroll deduction.


Wellness Promotes and supports the health and well-being of GKN employees and spouses.

RedBrick Health Paid for by GKN.

Health Savings Account (HSA) Tax-deferred account used to pay for qualified healthcare expenses by those in the Value Saver or Value Saver Plus plans.

Highmark BCBSBank of America (trustee)


Critical Illness Insurance Lump sum cash payment if diagnosed with a critical illness. Two coverage amounts to choose from: $5,000 or $15,000. Limits apply.

Allstate Benefits You contribute through payroll deduction.

Accident Insurance Cash payment(s) if you have a covered injury or accident. Payments based on a schedule of benefits. Limits apply.

Allstate Benefits You contribute through payroll deduction.

Healthcare Flexible Spending Account (FSA)

Tax-deferred account used to pay for eligible healthcare expenses by those in the Basic Plan.2

Your Spending Account (YSA) You contribute pre-tax dollars through payroll deduction.

Limited Use Healthcare Flexible Spending Account (LFSA)

Tax-deferred account used to pay for eligible healthcare expenses by those in the Value Saver or Value Saver Plus plans.

Your Spending Account (YSA) You contribute pre-tax dollars through payroll deduction.

Short-term Disability (STD) Up to 66 2/3% (max $1,250/week) of your income for up to 26 weeks. Limits apply.

The Hartford Paid for by GKN.

Long-term Disability (LTD) Up to 60% (max $12,500/month) of your income after 26 weeks of continuous disability. Limits apply.

The Hartford Paid for by GKN.

Basic Term Life 2 x base salary. The Hartford Paid for by GKN.

Optional Term Life3 1 x to 5 x base salary up to $1,000,000. (EOI may be required.) The Hartford You contribute through payroll deduction.

Optional Spouse Term Life3 $10,000 benefit increments for your spouse, up to $250,000. (EOI may be required)

The Hartford You contribute through payroll deduction.

Optional Dependent Child Term Life $5,000 benefit increments for your child(ren), up to $20,000. The Hartford You contribute through payroll deduction.

Basic AD&D 2 x base salary. The Harford Paid for by GKN.

Optional AD&D 1 x to 5 x base salary up to $1,000,000. The Hartford You contribute through payroll deduction.

Dependent Care Flexible Spending Account (FSA)

Tax-deferred account used to pay for eligible dependent care expenses. Your Spending Account (YSA) You contribute pre-tax dollars through payroll deduction.

Employee Assistance Program (EAP) Counseling and/or assistance with various life issues. Limits apply. Beacon Health Options(formerly Value Options)

Paid for by GKN.

American Depositary Receipts (ADRs) GKN stock purchase plan. ComputerShare You contribute through payroll deduction.

PrivacyArmor’s Identity Theft Protection Includes identity theft monitoring, and up to $1,000,000 reimbursement for the cost of restoring a member’s identity and repairing credit reports.

InfoArmor You contribute through payroll deduction.

401(k) Defined contribution program includes GKN match (limits apply). Employer contributions vest after 2 years.

Prudential RetirementGKN Group Retirement Savings Plan (401(k))


4


PICKING THE BEST COVERAGE FOR YOU ELIGIBILITY

This section of your benefits guide provides information on eligibility and

what you need to do throughout the year. You’ll also find helpful reference

information along with tools and resources that can help you get the

maximum value from your benefits.

Employee EligibilityBenefits-eligible employees are eligible for coverage under GKN’s health

and welfare benefits (medical, dental, vision, critical illness, accident,

disability, life insurance, AD&D, and EAP) beginning on the first day of the

month coincident with or next following the date of hire. Benefits are

divided into two categories: “elective” and “non-elective.” Enrollment

in non-elective benefits is automatic. Enrollment in elective benefits is

not automatic. Participation in elective benefits cannot begin without

completion of the required enrollment process within thirty (30) calendar

days from date of hire or date of eligibility.

An eligible employee must be a regular full-time employee to be considered

benefits-eligible.1

Grandfathered employees: The phrase “grandfathered employees” is used

in this book to signify employees hired on or before December 31, 2014.

Grandfathered employees are eligible to elect the Basic Plan for medical

coverage, while non-grandfathered employees (those hired after December

31, 2014) are not eligible to elect the Basic Plan for medical coverage (see

Medical Plans starting on page 20).

Please note: If you and your spouse (or child) both work for GKN, you

cannot have duplicate coverage for each other or for your children. This

applies to medical, dental, vision, optional spouse life insurance and

optional dependent child life insurance.

The GKN Benefits Service CenterThe GKN Benefits Service Center is GKN’s third party administrator, or TPA,

for benefits administration. Employees make all GKN benefits elections on

the GKN Benefits Service Center website at gkn.benefitsnow.com, EXCEPT

for the 401(k) plan (prudential.com/online/retirement). The GKN Benefits

Service Center consolidates our employee benefits enrollment data into

one website that offers plan summaries, provider searches, carrier links,

and access to the online flexible spending account administrator. For

detailed instructions on how to elect your benefits, please see Enrollment

on page 11.

Benefits Enrollment Window for Elective BenefitsEmployees must enroll in elective benefits within thirty (30) calendar days

from date of hire or date of eligibility.

For example:

Employees who fail to enroll for elective benefits during their Enrollment

Window will not be covered under any GKN elective benefits unless they

experience a mid-year Qualifying Life Event2 or until the next annual Open

Enrollment occurs.

Secure MailboxGKN employees have a Secure Mailbox on the GKN Benefits Service Center

website. Once you log on to the site at gkn.benefitsnow.com, look for your

Secure Mailbox at the top of your home page. Be sure to check your Secure

Mailbox periodically for messages. If you have a valid email address on

file, whenever the GKN Benefits Service Center sends you a notice in the

mail, it will also send an email to your Secure Mailbox at the same time

with a copy of any notices attached.

This includes:

• Dependent eligibility verification notices, if you’ve added a new

dependent

• Enrollment Worksheets

• Confirmation Statements

You can log on to the GKN Benefits Service Center at gkn.benefitsnow.com

(the benefits portal) at any time to check your Secure Mailbox or to retrieve

your notices. If you need help logging in, please see How to Enroll on the

Web on page 13.

1 This information is meant to be an overview of your benefits options and does not replace the official definitions for eligibility in the plan documents. See your plan documents for further details.

2 A Qualifying Life Event is an event defined by the Internal Revenue Service in Section 125 that allows you to make a mid-year change to certain benefits election. See p. 15 for examples.

Hire Date: June 3

Enrollment Window: June 3 – July 3

Benefits Begin: July 1

GKN recognizes that your benefits are an important part of your total compensation. That’s why GKN strives to offer quality benefits while keeping costs affordable for you and the company. But it’s not easy. Healthcare costs have increased sharply over the years, and everyone has different needs. That’s why GKN emphasizes the importance of good health and offers a choice of medical plans.

Shared ResponsibilityTo make this work, both GKN and you have the responsibility to be involved.

GKN’S RoleBecause you have a choice of medical plans, GKN is going to provide the resources you need to make an informed decision. And because

good health is such an important part of this approach, GKN has also partnered with RedBrick Health to offer wellness programs

available throughout the year at no additional cost to you.

Your RoleDuring enrollment, your job is to take a close look at your options and find the combination of benefits that works best for you and

your family.

But it pays to stay involved throughout the year. Managing your health and being involved in your healthcare decisions will not only help

you get the most out of your plan and control how much you pay for care, it will help improve your quality of life.

ELECTIVE BENEFITS

• Medical, including telemedicine

• Dental

• Vision

• Healthcare FSA

• Limited Use Healthcare FSA

• Dependent Care FSA

• Health Savings Account (HSA)

• Optional Life (Employee, Spouse, Child)

• Optional AD&D

• Voluntary Benefits (Critical Illness, Accident, ID Theft Protection)

• ADR

• 401(k) – auto-enrollment begins thirty (30) days after hire date

NON-ELECTIVE BENEFITS

• Basic Life

• Basic AD&D

• EAP

• STD

• LTD

• 401(k) – automatically enrolled at 3% deferral rate after 30 days


Center Call Center at 1-800-861-6481. See Changing Your Elections on

page 15 for details.

Dependent Verification RequiredGKN requires employees who enroll eligible dependents in coverage

to provide documents to verify their dependents’ eligibility. Once

you’ve added a dependent to coverage, you must send the required

documentation for your dependent to the GKN Benefits Service Center no

later than thirty (30) days after adding the dependent to the GKN Benefits

Service Center website or call center, if enrolling by phone.

Important: The GKN Benefits Service Center will send you a Dependent

Verification notice to help you complete the verification process. This

notice will be sent to your Secure Mailbox at gkn.benefitsnow.com and to

your mailing address. You must respond by the deadline shown on the

notice, using the enclosed personalized bar-coded fax cover sheet, or your

unverified dependents will be removed from the plan. Please note: you will

be responsible for any claims paid for ineligible dependents.

Additionally, when covering a spouse or child(ren) under a GKN medical

plan, you will need to provide their social security numbers (SSNs). The

IRS, as mandated by the Affordable Care Act, requires an annual reporting

of the names, addresses, and SSNs of all employees and covered

dependents, and the months during which each individual had “minimum

essential coverage” during the plan year. See page 21 for more information

regarding this requirement.

Dependent Eligibility Verification SubmissionDocuments MUST BE submitted using the bar-coded fax cover sheet you

receive in your dependent verification notice, whether faxed or mailed:

FAX documents to: 1-866-374-3607

MAIL documents to: GKN Benefits Service Center

1100 Reynolds Blvd.

Winston-Salem, NC 27105

DEPENDENTS & BENEFICIARIES

Enrolling in BenefitsTo be sure you get the benefits you want, you must enroll yourself and

your eligible dependents when you first become eligible for coverage

during the Plan Year. The GKN benefits Plan Year aligns with the calendar

year: the Plan Year begins on January 1 and ends on December 31 of each

year. Your initial enrollment period starts on your hire date and ends thirty

(30) calendar days later. You should receive a personalized Enrollment

Worksheet in the mail from the GKN Benefits Service Center within a week

of your hire date. Your Enrollment Worksheet will detail your enrollment

instructions, your benefits coverage options, and your per-pay cost. An

electronic copy of your Enrollment Worksheet will be posted to your Secure

Mailbox on the benefits portal.

Your coverage will begin on the first day of the month following (or

coincident with) your date of hire (new hires) or the date you became

benefits-eligible (newly benefits-eligible employees).

The easiest way to enroll is online at gkn.benefitsnow.com (the benefits

portal). You can also enroll by phone by calling the GKN Benefits Service

Center at 1-800-861-6481, Monday through Friday, from 9:30 am –

6:00 pm ET. For step-by-step enrollment instructions, please see Enrolling

in Benefits on page 11.

Changes in Status that Affect Benefits Eligibility

Change in Full-time Employment StatusIf your hours decrease and, as a result, you become ineligible for active

GKN employee benefits, you may continue coverage (limits apply) through

COBRA by paying the full premiums. There is a two percent administrative

fee applied to the COBRA benefits.

Temporary LayoffIf your coverage ends due to temporary layoff, you become ineligible for

active GKN employee benefits thirty (30) days after your layoff begins.

After that, you may continue coverage (limits apply) through COBRA by

paying the full premiums. There is a two percent administrative fee applied

to the COBRA benefits.

Leave of Absence With Pay If you are on a paid disability leave, paid leave of absence, or on Worker’s

Compensation leave, you become ineligible for active GKN employee

benefits twelve (12) months after your paid leave begins. After that, you

may continue coverage (limits apply) through COBRA by paying the full

premiums. There is a two percent administrative fee applied to the COBRA

benefits.

Leave of Absence Without Pay (Excluding FMLA Leave1)If you take a leave of absence without pay, you become ineligible for active

GKN employee benefits on the last day of the month in which your leave

began. After that, you may continue coverage (limits apply) through

COBRA by paying the full premiums. There is a two percent administrative

fee applied to the COBRA benefits.

Military Leave (short-term)If you take short-term military leave for 30 days or less, and you provide

advance notice, you may continue your active employee benefits by paying

your monthly employee contributions either through payroll deductions

before/after your leave or paying GKN directly.

Military Leave (long-term)If you, your spouse or your dependent child(ren) lose coverage under the

GKN benefit plans as a result of your qualifying service on a long-term

(over 30 days) assignment in the uniformed services and you provide

advance notice of your service, you may elect to continue coverage under

USERRA. Your right to continued coverage under USERRA is similar, but not

identical, to your rights under COBRA. Please see the plan document for

more details regarding your rights under USERRA.

TerminationIf your employment with GKN terminates, you become ineligible for active

GKN employee benefits on the day immediately following your last day of

work. You may continue coverage (limits apply) through COBRA by paying

the full premium as long as your employment with GKN terminates for

reasons other than gross misconduct. There is a two percent administrative

fee applied to the COBRA benefits. You will receive a notice regarding Life

Insurance conversion with your COBRA enrollment packet. Please see the

plan document for more details regarding your rights under COBRA.

Coverage LevelsWhen enrolling in medical, dental or vision benefits coverage, you can

choose one of the following levels:

You may enroll your spouse and/or your children in coverage, provided

they meet the definition of an eligible dependent.

Eligible DependentsLegal Spouse: Your legal spouse is an individual who is legally married to

you if they are of the same sex or opposite sex from you. Please note: dual

coverage is not permitted for GKN employees married to GKN employees.

Dependent Child(ren): Your “Child” is defined as:

• Your biological child

• Your adopted child or a child lawfully placed with you for adoption

• Your step child

• A child for whom legal guardianship has been awarded to you

• Foster child (optional dependent life insurance coverage ONLY)

• Disabled Child(ren): See definition below

Dependent Child(ren): GKN extends medical, dental, vision and optional

dependent life insurance coverage to your “Dependent Child,” through

the date the child attains age 26, without any conditions, but only those

individuals who qualify as the employee’s “Child” as defined above.

Disabled Child: GKN extends medical, dental, vision and optional life

insurance coverage to your physically or mentally disabled “Child” over

age 26, provided the disability began prior to the child reaching 19 years

of age. To be considered disabled, the child must be incapable of self-

sustaining employment and must be wholly dependent on you for financial

support. Medical, dental, vision and optional dependent life insurance

coverage may continue for as long as the child meets these criteria.

Coverage for your dependent ends on the date your dependent ceases to

be eligible. Your ineligible dependent may be eligible to continue certain

coverage under COBRA if the reason coverage stopped is considered a

qualifying COBRA event.

You may remove a dependent from coverage by declaring a qualifying life

event online at gkn.benefitsnow.com or by calling the GKN Benefits Service 1 Family Medical Leave Act (FMLA) Leave: If you meet the requirements for a FMLA leave you may continue your coverage by paying your monthly employee contributions, either through payroll deduction before/after your leave or paying GKN directly while you are on leave.

EMPLOYEE ONLY

EMPLOYEE + SPOUSE

EMPLOYEE + CHILD(REN)

FAMILY

QUESTIONS? If you have questions about your eligibility for benefits, please contact your local Human Resources representative.

DEPENDENT TYPE

Legal Spouse

Dependent Child

Disabled Child

DOCUMENTS ACCEPTED

Marriage license; or church document (newlyweds only).

Government-issued Birth certificate or Finalized Adoption papers; or hospital certificate (newborns only).

Government-issued Birth certificate or Finalized Adoption papers; or hospital certificate (newborns only); and proof of continued incapacitation of child prior to age 19 (required by insurance carriers).


PAYING FOR YOUR BENEFITS

BeneficiariesA Beneficiary is the individual or recognized entity you choose to benefit

from your life insurance policy or 401(k) account in the event of your

death. You can select a single person or entity (e.g. a legal trust), or a

combination of multiple people and entities, to benefit after you die.

When you enroll in coverage, you may be asked to identify different types

of beneficiaries. A primary1 Beneficiary is the initial person you want your

account to provide for after you die. A secondary Beneficiary is the person

or entity that will benefit from your life insurance policy or 401(k) account

if your primary Beneficiary has also died. Once you’ve decided who your

beneficiaries will be and how much you want to leave each Beneficiary,

complete the Beneficiary section(s) when enrolling in your benefits.

For example:

Be sure to review the list of people you’ve identified as the beneficiaries of

your life insurance policy and 401(k) account at least once a year, or

whenever a significant event such as the birth of a child or grandchild

occurs, and make adjustments as necessary.

Your CostEach coverage option for each cost-shared benefit has a different rate. Please review the rates listed on your Enrollment Worksheet prior to your election.

Rates are listed on a per-pay basis.

1 If you are married and choose someone other than your spouse as the “primary” Beneficiary for your 401(k) account, you will be required to verify your spouse’s approval of your decision.

VIEW/UPDATE YOUR BENEFICIARIES ANYTIME AT: Life: gkn.benefitsnow.com

401(k): prudential.com/online/retirement

SECONDARYBENEFICIARIES

CHILD 1 – 50%

PRIMARYBENEFICIARY

SPOUSE – 100%

CHILD 2 – 30%

CHILD 3 – 20%

Your account will provide for your spouse if you die

Your account will provide for your children if you and your spouse die (you decide how it’s to be split).

Post-Tax DeductionsYour cost share for optional life insurance coverage and voluntary benefits

(critical illness insurance, accident insurance or ID theft protection) can be

paid from your salary on a post-tax basis (AFTER taxes are calculated).

Regulations limit your ability to cancel or change your coverage election

outside of the Open Enrollment period unless you have a qualifying life

event as allowed by the plan. Your benefit change must be consistent with

your status change, and you must declare the event with the GKN Benefits

Service Center within thirty (30) days of the event to make any correspond-

ing benefit changes. For more information, please see Mid-Year Changes

on page 15.

Elected amounts for American Depositary Receipts (ADRs) or Roth 401(k)

plan can also be paid from your salary on a post-tax basis (AFTER taxes are

calculated). And, you may change your elections at any time.

Pre-Tax DeductionsYour cost share for medical, dental and vision coverage, as well as

contributions to a flexible spending account, can be deducted from your

paycheck on a pre-tax basis (BEFORE taxes are calculated). In exchange for

allowing you to pay your premium with pre-tax dollars, Internal Revenue

Code regulations limit your ability to cancel or change your coverage

election outside of the Open Enrollment period unless you have a qualifying

life event as defined under the Code and allowed by the plan. Your benefit

change must be consistent with your status change, and you must declare

the event with the GKN Benefits Service Center within thirty (30) days

of the event to make any corresponding benefit changes. For more

information, please see Mid-Year Changes on page 15.

Contributions to a Health Savings Account (HSA) or 401(k) account can be

deducted from your paycheck on a pre-tax basis (BEFORE taxes are

calculated). And, you may change your contribution amount at any time.

PAYROLL DEDUCTIONSPRE-TAX POST-TAX

MONITORING PAYROLL DEDUCTIONSYou have a responsibility to regularly review your paycheck stubs to verify that the proper amount of money for benefits elections are being deducted from your pay. To confirm that your payroll deductions are aligned with your benefits elections, check your Benefits Summary online at gkn.benefitsnow.com or by phone by calling the GKN Benefits Service Center Call Center at 1-800-861-6481.

GKN makes a significant investment in your medical benefits by paying a major share of the cost. You pay the remaining cost through automatic deductions from your pay. Deductions are based on your effective date of coverage and are collected on a prepaid basis. Any applicable retroactive employee contributions will be collected from the next available check.


ENROLLING IN BENEFITS

Before Enrollment1. Read this guide to understand your benefits options and then discuss

these plans with your family. Gather any dependent and/or Beneficiary

information that you may need for your enrollment session, such as

Social Security numbers and birth dates.

2. Review your personalized Enrollment Worksheet from the GKN

Benefits Service Center. This worksheet shows the healthcare and

group insurance benefits for which you’re eligible, as well as the

per-pay cost for each benefit.

3. Choose the plans that are best for you and your family by going online

to the GKN Benefits Service Center at gkn.benefitsnow.com to:

• Estimate healthcare plan costs for a variety of services.

• Generate reports that compare costs of the medical plans. Use

the Medical Expense Estimator (MEE) (available under the

Resources tab).

• Estimate Out-of-Pocket expenses that you may have under a health

plan based on how often you anticipate using healthcare throughout

the year.

• Determine Health Savings Account or Flexible Spending Account1

contributions and estimated tax savings.

4. Ask questions. You can reach out to any of the carriers listed in

Contacts at the back of this book, or contact the GKN Benefits Service

Center at 1-800-861-6481 with any questions you may have.

During Enrollment1. Enroll by the deadline on your Enrollment Worksheet

by enrolling online through the GKN Benefits Service Center at

gkn.benefitsnow.com. For detailed instructions, please see How

to Enroll Online on page 13. If you do not have access to the

Web (Internet), please call the GKN Benefits Service Center at

1-800-861-6481 and speak with a Benefits Specialist to enroll in

benefits. Note: If you are a new employee and do not enroll by the

deadline, you will default to no coverage for your elective benefits

(including medical, dental, vision, etc.). You will have NO opportunity

to change your elections until open enrollment for the next Plan

Year unless you experience a mid-year qualifying life event (see

Changing Your Elections on p. 15).

2. Determine your contribution amounts to HSAs, FSAs (Healthcare or

Dependent Care) or ADRs. Be sure to consider the amount of money

you would like to deposit each pay period. To determine your HSA or

FSA contribution amount, a good place to start is to look at your

estimated Out-of-Pocket expenses by using the Estimators available

online under the Resources tab at gkn.benefitsnow.com.

3. Print your Enrollment Confirmation after completing your benefit

elections, for your records. Review it for accuracy, ensuring you have

covered all of your dependents, and make any needed changes before

exiting the website. Note: You can make election changes at any time

during your open enrollment window.

GKN BENEFITS SERVICE CENTER gkn.benefitsnow.com or 1-800-861-6481• To report a change of address or phone number or other personal

information for your spouse or dependent

• To update life insurance and AD&D beneficiaries

• To report a mid-year qualifying life event

• To enroll in benefits

• To add SSNs for your dependents

PRUDENTIAL RETIREMENT prudential.com/online/retirement or 1-877-778-2100• To change your contribution amount

• To change your investment elections

• To review your account balance

• To participate in GoalMaker™ or change your retirement age

• To update your 401(k) beneficiaries

INSURANCE CARRIER See Contacts on page 49 for website or phone numbers• To find out what is a covered benefit

• To ask about a claim

• To find an In-Network provider

• To order new I.D. cards

REDBRICK HEALTH gkn.redbrickhealth.com or 1-855-479-7624• To find out more about the Wellness Program

• To ask about a surcharge

• To ask about health screening or health assessment

LOCAL HR• To report a change of address or phone number or other personal

information for yourself

• To report a discrepancy regarding your benefits in your paycheck

After Enrollment1. Verify your covered family members. Send in the required

documentation for your newly added dependents to the GKN Benefits

Service Center no later than thirty (30) days following the date you

add the dependent to the system. Instructions will be provided in the

dependent verification notice you will receive from the GKN Benefits

Service Center (see Dependents & Beneficiaries on page 8).

2. Confirm your choices. Review your paycheck stub to verify that it

reflects your benefits elections. Your share of the benefits costs will be

deducted from your paycheck each pay period. For more details, see

Paying for Your Benefits on page 10. Immediately notify the GKN

Benefits Service Center of any errors.

3. Find In-Network providers. Use the carriers’ websites or customer

service phone numbers to find a doctor, pharmacy or to compare costs

on procedures or services that can help you manage your healthcare

expenses. Contact information is available for all GKN insurance

carriers at the back of this booklet.

4. Keep your records updated. Make sure that GKN always has your

current address and phone number to correctly administer your

benefits and send you benefits information.

a. You: Notify your local Human Resources department to update your

personal information.

b. Your family members/beneficiaries: Notify the GKN Benefits Service

Center to report gains/losses in eligibility for your covered family

members, to update personal information for your family members,

or to make changes to your beneficiaries.

1 Employees enrolled in a high-deductible health plan such as the Value Saver or Value Saver Plus plans are not eligible to enroll in a General Purpose Healthcare FSA.


HOW TO ENROLL ONLINE

Helpful Hints:1. The numbered progress bar will change colors as you move from one

screen to the next.

2. The Continue button will always be green with white lettering for you

to easily identify how to move forward.

3. The Make Changes button will allow you to make applicable changes

to your personal information.

4. Save and Continue will always be green with white lettering so that

you can easily identify how to move forward.

5. You can optionally select the blue Take Me Through Each Benefit

button, which will automatically take you through each available

benefit option.

6. The blue Make Changes button can also be selected on any available

benefit option to allow you to make selections on that benefit.

Note: Consistent throughout all benefit election pages, using a computer,

there will be a “Total Benefits Cost” section on the right side of the page.

This will add up all applicable deductions in a per-pay amount. To expand

this section, use the More+ link within the box to see the details.

IF YOU DO NOT HAVE ACCESS TO A COMPUTER OR MOBILE DEVICEPlease contact your local Human Resources department to see if your location has onsite computer workstations/kiosks available during open enrollment. If your location does not have onsite computer workstations/kiosks available, you can try your public library; many of them have computer workstations with Internet access.

You can always call in your benefits elections to the GKN Benefits Service Center at 1-800-861-6481, Monday – Friday, 9:30 am – 6:00 pm ET.

Use any computer, tablet or smart phone with Internet access; go online to

the GKN Benefits Service Center at gkn.benefitsnow.com.

First, log on to the system:

FIRST TIME USER?

• Click on First-Time User?

• Enter your last name, date of birth, postal code (zip code), and the last four digits of your Social Security number.

• Create your username and password.

• Click on the Continue button.

• You will receive a message, “Your account has been successfully created.” Click Continue.

• You will receive the “Terms and Conditions” statement. Please read and click I Accept.

RETURNING USER?

• If you have previously logged in to the GKN Benefits Service Center website, log in with your username and password.

• If you have forgotten your username or password, click on the links forgot username and/or forgot password and follow the prompts.

Next, begin enrolling online:

Once you have successfully logged in and arrive at the home page, click on

the Enroll Now button on the right in the dark blue box at the top right side

of the home page.

• Review the four steps for enrollment, then click on the green Continue button.

• Review your personal information for accuracy. If you see any errors, please contact your local Human Resources representative for assistance.

• To continue enrolling, click on the green Save and Continue button.

• Enroll in benefits.

• From the “Summary of Benefit Elections” page, you can enroll by clicking the blue Take Me Through Each Benefit button, or select each benefit individually by clicking the blue Make Changes button next to each benefit.

• To begin electing a benefit, select the dependents you wish to cover under that benefit by clicking the button next to your dependent’s name (if applicable), then click the green Continue to Step 2 button. Note: Certain benefits election pages will skip this step if there are no dependents to cover (e.g. HSA, ADRs, etc).

• If you wish to add new dependents, click on the blue Add Dependent button.

• To select the plan you want, you should click the blue Choose This Option > button for the desired election.

• If you wish to waive coverage, click the blue Choose No Coverage button.

• Click on the green Save and Continue button to move forward through all of your benefits options.

• After making each of your benefit elections and reviewing the summary page, click on the green Complete Enrollment button at the bottom right side of the page to complete your enrollment.

• You will be brought to the “Confirm” page.

• Congratulations! You have completed enrollment! If no additional actions are needed, you can Log Off and close your web browser.

• If you wish to view other information, you can click on the corresponding menu item or select the Enroll In Your Benefits link on the progress bar at the top of the page if you wish to make additional updates at this time.

MOBILE DEVICE

STEP 1

STEP 2

STEP 3

STEP 4

COMPUTER


CHANGING YOUR ELECTIONS

New Hires or Newly Benefits-EligibleYour initial open enrollment window will be open for thirty (30) days from

your date of hire. At any time during your open enrollment window, you

can make election changes. Once your enrollment window closes, you may

not change your benefits, with certain exceptions (see Changes Allowed at

Any Time). However, there are two types of changes that are allowable

under certain circumstances: mid-year changes following a qualifying life

event and annual open enrollment changes for the following Plan Year.

These are described further in this section.

Mid-Year ChangesIf you experience a qualifying life event, you may make changes to your

benefits in the middle of a Plan Year. Qualifying life events may allow you

to drop existing coverage, enroll in a plan, or change your coverage level

(e.g. change from Employee Only coverage to Employee+Spouse coverage

following a marriage). Any change in coverage must be consistent and

appropriate with your qualifying life event. For example, if you have a new

baby, you can add the baby to your medical coverage, but you cannot drop

your spouse from medical coverage.

Examples of qualifying life events include:

• Marriage or divorce

• The birth or adoption of a child

• A change in work status for you or your spouse

• A different open enrollment period for your spouse

• The death of your spouse

• Loss or gain of coverage in another plan (certain restrictions apply)

• Legal guardianship

You must declare the qualifying life event within thirty (30) days of its

occurrence.

For example, an employee has a baby born June 3:

For further information, or to make changes to your benefits as a result

of a qualifying life event, go online to the GKN Benefits Service Center at

gkn.benefitsnow.com and select the appropriate life event, or call

1-800-861-6481 for help.

Note: A dependent no longer eligible for coverage based on a qualifying

life event may be eligible to continue certain coverage under COBRA if the

reason coverage stopped is considered a qualifying COBRA event.

QUALIFYING LIFE EVENT

Birth, adoption or placement for adoption

Marriage

Divorce

Judgment, decree or court order (QMCSO) or CHIP

Death of employee or dependent

Change to Dependent Benefits/Eligibility

Exhaust COBRA under other employer’s plan

Dependent Care – Provider increases costs

Dependent Care – Increase or decrease in amount of service required for day care

DOCUMENTS ACCEPTED

Government-issued birth certificate or finalized adoption papers, or hospital certificate (newborns only)

Marriage license or church document (newlyweds only)

Divorce decree

Court order with date of action or notice confirming CHIP status

Death certificate

Verification from dependent’s employer or insurance company indicating change in eligibility, plan or cost with effective date of coverage; HIPAA cert or proof of loss of coverage; or verification from Social Security Administration (for Medicare enrollment)

HIPAA cert or proof of loss of coverage

Verification by provider indicating cost increase and effective date of change

Verification by the employer that work hours have increased or decreased

Annual Open Enrollment ChangesOnce each year, typically in the fall, you will be given the opportunity to

change your benefits elections for the following Plan Year, such as electing

a different medical plan or electing optional life insurance. Changes made

during annual Open Enrollment are effective January 1 – December 31 of

the following year.

Changes Allowed at Any TimeChanges to 401(k) contribution amounts or investment elections, employee

HSA contribution amounts and ADR election amounts are allowed anytime

during the Plan Year without a qualifying life event required. Changes will

be implemented as soon as administratively possible.

Child’s Birthdate:June 3

Change Request Window:June 3 – July 3

Event Declared:June 15

Birth Certificate Due:July 15

Documentation RequiredYou must provide documented proof of your qualifying life event to the

GKN Benefits Service Center within thirty (30) days of declaring the

event. Once you declare a qualifying life event, the GKN Benefits Service

Center will mail a notice to you with instructions for submitting your

documentation via fax or regular mail. A copy of the notice will also be

posted to your online Secure Mailbox at gkn.benefitsnow.com. See Secure

Mailbox on page 6 for more details.

Using the prior example of a baby born June 3; the employee went online

on June 15 to the GKN Benefits Service Center, declared the life event

(birth of a child) and added the dependent to coverage:


HEALTHCARE CONSUMERISM WELLNESS PROGRAM

As a Healthcare Consumer, you…

Review and Understand Your CoverageSmart healthcare consumers select their coverage carefully. They know

what their plan covers, how their coverage works and what works for them.

It’s important to do your homework. Carefully read all of the materials

provided and learn all you can about how your health coverage works so

you can select the options that make the most sense for you and your

family.

Know More About Your HealthDo you know your cholesterol numbers? Your blood pressure score? How

about your BMI, or body mass index? GKN has partnered with RedBrick

Health as its wellness program provider. By participating fully in the

program, you can get a snapshot of where you stand with your health

status and use RedBrick’s tools and resources to stay healthy or make

changes, if needed.

Seek Preventive Care ServicesAll three GKN medical plans provide preventive care, per the Highmark

Blue Cross Blue Shield Preventive Schedule, at no additional cost to you.

What is preventive care? Preventive care1 includes periodic physical exams,

vaccines, gynecological exams and mammograms. Preventive care can

help you establish a healthy lifestyle and may help you to avoid a more

serious and costly illness. GKN encourages all employees and family

members to take full advantage of their coverage and get applicable

preventive care services.

Make Informed Care DecisionsHow do you know what care services make the best sense for you or your

family? Get educated! Learn all you can about your diagnosis, your health

condition and your care provider. Highmark provides several resources to

help you make informed, appropriate care decisions. For example, as a

Highmark member, you can phone a Blues on Call™ nurse 24/7. You can

speak confidentially to the nurse, who may send you additional information

or offer you home healthcare tips or follow up on your progress. Please see

Highmark’s Blues on Call on page 30 for more information.

Additionally, you can use the Care Cost Estimator online at

highmarkbcbs.com to see how costs compare for a particular service or

procedure among providers in your area.

Partner with Your PhysicianYour relationship with your healthcare provider influences your ability to

make wise health decisions, and it can impact the outcome of your care. To

get the most out of your care, you should have an open, honest dialogue

based on mutual respect.

Take Personal ResponsibilityWhile many health issues are not in your control, others are. As you know,

there are more and more illnesses today that can be directly connected to

lifestyle choices. We know that the way we live can have a real impact on

the way we feel. When we take care of ourselves, we have more drive and

energy. Good habits promote positive attitudes and healthier lives. Take

advantage of the programs available at RedBrick Health such as Journeys™

to start having a greater hand in your health today.

The goal of the GKN wellness program is to maintain healthy lifestyles and

to improve the health and well-being of you and your family. Our approach

is to try to remove any barriers to success. We can all find excuses, and

GKN’s goal is to help you minimize or eliminate those excuses. GKN hopes

to make it easier for you and your families to eat healthy, avoid tobacco/

nicotine use, and develop healthier lifestyle habits, ultimately leading to a

healthier future for all of us.

Value Your Health’s mission at GKN is to support the goal of the company

in 1) providing programs and services to help GKN’s employees or spouses

successfully accomplish their personal health goals, 2) promoting a work

culture and environment that supports healthy and safe behaviors/

lifestyles, and 3) helping GKN employees or spouses identify their areas

of health risk.

Value Your Health offers a variety of wellness opportunities, such as

health screening and assessments, health coaching, tobacco/nicotine

cessation programs, fitness activities and nutrition activities, to help

employees and spouses reach their health and fitness goals. To improve

awareness of your health status, we have several programs that eligible

employees and spouses are required to participate in to avoid certain

surcharges.

RequirementsThe Value Your Health Wellness Program (the Wellness Program) is

offered to all GKN benefits-eligible employees, but participation is

required by employees or spouses covered by a GKN medical plan with

a hire date on or before March 1, 2016. For those in the required group,

failure to participate fully in the Wellness Program will result in a $50/

month Wellness Non-Compliance Surcharge (maximum $100/month

per family).

Watch your mail! RedBrick Health will announce the specific 2016

Wellness Program requirements, including Health Screening, through

separate communication mailed to employees’ homes. Please see the

Rewards section below for a description of Health Screening.

RewardsEmployees or spouses covered by a GKN medical plan can earn Rewards by

completing healthy activities or achieving certain targeted outcomes

during Health Screening.

Healthy Activities Rewards: To begin the process, take the Compass™

Health Assessment to provide feedback and insights about your health.

Compass is a questionnaire that asks about your current lifestyle and

habits in various aspects of life, including physical activity, nutrition,

and stress management. Compass can be completed online at

gkn.redbrickhealth.com or by phone by calling RedBrick Health at

1-855-479-7624. Based on your responses, RedBrick can develop

personalized recommendations for you to get started in healthy activities.

Some examples of Healthy Activities include:

• Health Coaching – RedBrick’s health coaches will work with you

one-on-one over the phone to create a personalized action plan, set

achievable goals and help you throughout your coaching sessions to

ensure your success.

• Journeys® – Each Journey is tailored to you and offers a series of small,

fun steps for you to choose from. Moving at your own pace you can make

progress in as little as a few minutes a day.

• Track™ – By tracking your daily healthy habits, you will see first-hand just

how easy it is to maintain a healthy lifestyle. You can also automatically

sync activities with your Track account using approved devices, apps and

programs, such as Fitbit® and Runkeeper.™

• Healthy Competitions – such as RedBrick Rallys give you the opportunity

to participate in a competition with a team or on your own.

Targeted Outcomes Rewards: Health Screening includes the collection of a

small blood sample for testing as well as other biometric measurements.

Samples will be measured for total cholesterol, HDL, LDL, triglycerides,

glucose and cotinine1 present in the blood. Health screenings are held

annually at most GKN sites in March or April. You also have the option to

visit your doctor or a RedBrick Community Access location (e.g. Quest lab)

in your area. Targeted Outcomes include:

Earned HSA Contribution: Value Saver Plus and Value Saver participants:

Participants under the Value Saver or Value Saver Plus plans will have the

opportunity to earn pre-tax contributions ($500 per covered employee or

spouse) to their HSA during the plan year. Earnings will be based upon

participation by the employee and/or covered spouse in a combination of

required and optional activities in the GKN Value Your Health Wellness

Program. Earned rewards will be deposited to your HSA account periodically

throughout the plan year. HSA contributions for rewards will be deposited

to active employee accounts2 only; HSA contributions for rewards will be

forfeited if you are a terminated employee at the time of the deposit, OR, if

your HSA is not opened at the time of the deposit.

1 Certain limits apply to preventive care, such as age at testing, frequency of testing, family history, etc. See the annual Highmark Preventive Schedule for preventive services available.

Healthcare Consumerism represents a more hands-on approach because it involves you in every aspect of your health. It gives you the tools you need to select the coverage that’s best for you, to receive care that’s appropriate for you, and to make smart lifestyle choices. Become a healthcare consumer rather than a healthcare subscriber.

Know More About Your

Health

Review & Understand

Your Coverage

Seek Preventive

Care Services

Make Informed Care

Decisions

Partner with Your Physician

Take Personal

Responsibility

The GKN Value Your Health Wellness Program

TARGETED OUTCOMES

Blood Pressure <120/80

BMI <30

Non-HDL Cholesterol <100

1 The use of nicotine patches, gum or lozenges or vaping e-cigarettes may result in a positive test result for cotinine.

2 Non U.S. residents, Medicare enrollees or those collecting Social Security retirement benefits are ineligible for HSA contributions and will receive earned wellness rewards in their paycheck (subject to tax). See HSA section for more information.


OverviewMedical coverage is one of the most important benefits that GKN offers

you and your eligible family members. GKN offers high-quality medical

plans with comprehensive coverage so you can choose the one that best

meets your needs.

All full-time, benefits-eligible employees can select from two different

consumer-driven health plans (see page 21 for a third medical plan option

for those hired on or before December 31, 2014):

Both of your GKN medical plan options are Preferred Provider Organization

(PPO) plans and are offered through Highmark Blue Cross Blue Shield

(Highmark). PPOs offer a broad network of providers and allow you the

flexibility to see non-network providers if you wish; you don’t need a

referral to see your primary care doctor or specialists. You pay less if you

use a provider in the network. If you use a provider outside the network,

you should expect to pay more. Once the Deductible is met, you pay a

percentage of the cost of services. Covered benefits are exactly the same

in all plans.

The difference between the plans is in how and when you pay for coverage.

You should carefully evaluate your family circumstances and plan costs

before selecting medical plan coverage.

The Value Saver PlansThe Value Saver plans are consumer-driven health plans that require a

Deductible to be met before the plan pays for most services, including

prescription drugs. After the Deductible is met, you pay a percentage of

the cost of in-network medical claims or prescriptions; you pay 20%, GKN

pays 80% (out-of-network services are more costly). Preventive care

services, per the Highmark Preventive Schedule, are covered first-dollar

with no Deductible required. The Value Saver plans are designed to help

you better engage in your health and be a prudent healthcare consumer.

MEDICAL PLANS

Earned Cash Reward: Basic Plan participants1: Participants under the Basic

Plan will have the opportunity to earn cash awards, ($500 per covered

employee or spouse) subject to taxes, during the plan year. Earnings will be

based upon participation by the employee and/or covered spouse in certain

components of the GKN Value Your Health Wellness Program. Rewards are

payable to active employees only. Wellness Rewards will be forfeited if you

are a terminated employee at the time rewards are applied to payroll.

Wellness Credit: Employees who do not elect coverage under a GKN

medical plan but who fully participate in the Wellness Program may be

eligible for a $100 annual Wellness Credit.

The GKN Tobacco/Nicotine Cessation ProgramTobacco/nicotine use continues to be front and center at causing issues

that lead to chronic illness/costly claims. For example, tobacco/nicotine

users, on average, cost $6,000 more in annual claims than non-tobacco/

nicotine users. In addition, it is commonly known that tobacco/nicotine

use leads to poor health. GKN is continuing its commitment to assist

employees and their family members to “kick” the tobacco/nicotine habit.

Therefore, employees AND spouses covered by a GKN medical plan will be

tested for cotinine (an indicator of tobacco use) during wellness health

screening.2

Tobacco/nicotine use is smoking tobacco/nicotine in such forms as a

cigarette, pipe or cigar, or using smokeless tobacco/nicotine, such as snuff

or chewing tobacco/nicotine. If your health screening results indicate you

or your spouse test positive for cotinine,3 you must enroll in the GKN

Tobacco/Nicotine Cessation Program by calling RedBrick Health at

1-855-479-7624 or by going online at gkn.redbrickhealth.com/login, or

you will pay the $60 per month (maximum $120/month) Tobacco/Nicotine

Surcharge for 2016. Once you or your spouse is enrolled, you will

participate in calls with a Tobacco/Nicotine Cessation counselor. Enrollees

must participate in at least four counseling sessions within the established

deadline to be considered compliant. For more information, please contact

RedBrick Health at 1-855-479-7624 or go online to gkn.redbrickhealth.com.

About the ProgramFor those employees and/or spouses committed to trying to quit tobacco/

nicotine use, the GKN Tobacco/Nicotine Cessation Program provides the

support you need to quit for good. The program involves an initial

consultation to develop a quit plan, then four follow-up calls with

professional Tobacco/Nicotine Cessation counselors. Counselors will

check your progress, provide support at key relapse times, help you

manage stress, provide additional resources and answer questions.

These calls can be scheduled at any time during the following hours:

The program also provides unlimited inbound toll-free calls to counselors

able to address additional concerns and provide support. GKN also offers

60 days of nicotine replacement therapy at no cost to you. Nicotine

replacement therapy (NRT) is used to gradually wean a tobacco user from

nicotine dependence. This reduces withdrawal symptoms associated with

tobacco cessation, thus helping resist the urge to use tobacco. Even

though NRT aides are available over the counter, it is advisable to check

with your physician before use. Once enrolled in the program, you can

request these items from your Tobacco/Nicotine Cessation counselor.

The Value Saver plans are offered with a Health Savings Account (HSA).

The HSA will help alleviate upfront qualified medical and prescription drug

expenses you incur, on a pre-tax basis, until you meet your annual

Deductible, as well as Coinsurance amounts you are responsible for.

You are eligible to contribute pre-tax dollars from your paycheck into the

HSA1, up to the IRS limits. In addition to using the HSA for qualified health

expenses, it can also be used to save for future health-related costs. If you

don’t use all of the HSA balance, it rolls over to the next Plan Year. See

Paying for Healthcare with Your Health Savings Account (HSA) on page 33.

PrescriptionsThe Value Saver plans feature prescription drug benefits through

Highmark. You are required to fill any maintenance medications through

the mail-order program in order to receive coverage.

Things to consider:

• The Deductibles in the Value Saver plans can be higher than what you

may be used to. However, the employee contributions required out of

your paycheck are correspondingly lower than what you may be used to.

• A lower employee contribution means more money in your pocket.

Instead of paying high monthly employee contributions from your

paycheck whether you use services or not, you pay for healthcare as you

use it. If you and your family take steps toward leading a healthier

lifestyle and practice being “wise consumers” of healthcare, you keep

your money.

• You can contribute tax-free amounts up to IRS limits into a HSA to

use now or later. Remember, these IRS limits include any seed money

from GKN.

• You earn interest on any account balance in your HSA. Plus, you can

make your own investment elections on any balance over $500.

• You can use the money in your HSA to pay for “qualified medical

expenses” for yourself, your spouse or any dependent children, such as

annual Deductibles and Coinsurance for medical, dental or vision care,

without paying any taxes. Your spouse or dependent children don’t even

have to be covered under your medical plan.

• Your HSA grows from year to year. You won’t pay any taxes on the funds

or accrued interest unless you use it for purposes other than to pay for

“qualified medical expenses,” such as insurance premiums or other

living expenses.

• The HSA is portable. If you leave GKN, you take your HSA with you.

• It stays in the family. Like a 401(k), funds in your HSA are payable to a

surviving spouse or other Beneficiary upon death.

GKN is committed to promoting an environment that retains the full trust and confidence of its employees and their family members. Therefore, any individual results or personal information you share with GKN’s Wellness partner will be secured by GKN’s Wellness partner and never released to GKN. GKN’s Wellness partner will only report your compliance with the required components of the wellness program and aggregate information to GKN.

COUNSELING HOURS

Monday – Thursday 9 am – 9 pm ET

Friday 9 am – 7 pm ET

Saturday 11 am – 5 pm ET

QUESTIONS?

• If you have further questions regarding the GKN Wellness Program, please contact RedBrick Health at 1-855-479-7624 or your local Wellness Champion.

• To enroll in the Tobacco/Nicotine Cessation Program call RedBrick Health at 1-855-479-7624.

VALUE SAVER / VALUE SAVER PLUSTwo consumer-driven health plans: the Value Saver Plus plan and the Value Saver plan with all costs covered by you, including prescriptions, until reaching the deductible, then shared between you and GKN. Both medical plans provide the same comprehensive coverage, including doctor visits, preventive care, hospital services, prescription drugs and behavioral health.

POSSIBLE MAXIMUM REWARDS

$500 HSA Contribution (Pre-tax) Value Saver plan or Value Saver Plus plan coverage. Employee and Spouse ($1,000 total contributions possible/family)

$500 Cash (Subject to tax) Basic Plan coverage; Medicare enrollees; Social Security recipients, Non-U.S. residents. Employee and Spouse ($1,000 total payment possible/family, less taxes)

$100 Cash Wellness Credit (Subject to tax) No GKN medical plan coverage. One-time payment. Employee Only ($100 total payment possible, less taxes)

POSSIBLE SURCHARGES

$50 Wellness Non-Compliance Monthly amount. Employee and Spouse ($100/month total possible)

$60 Tobacco Monthly amount. Employee and Spouse ($120/month total possible)

1 Grandfathered employees only: Must be hired on or before December 31, 2014, to be eligible to enroll in the Basic Plan.

2 As permitted by state law.3 Failure to participate in health screening will default your tobacco status to tobacco user.

1 Non U.S. residents, Medicare enrollees or those collecting Social Security retirement benefits are ineligible for HSA contributions and will receive earned wellness rewards in their paycheck (subject to tax).


COMPARE MEDICAL PLANS

The Basic Plan [Grandfathered1 Employees Only]If you were hired on or before December 31, 2014, you have a third

medical plan option available: the Basic Plan. This plan is different than

the Value Saver plans – you pay set Copayments each time you visit the

doctor or emergency room, or order a prescription drug. Like the Value

Saver plans, you pay nothing for preventive care.2 In addition, you pay

100% for other medical services until the full Deductible is met. After the

Deductible is met, you pay a percentage of the cost of medical services

(you pay 20% of In-Network services; GKN pays 80%). With the Basic Plan,

you pay the highest employee contributions out of your paycheck, but this

plan offers lower Deductibles than the Value Saver plans. With this plan,

you are eligible to contribute pre-tax dollars from your paycheck into a

Healthcare Flexible Spending Account, or HC FSA, up to the IRS limits.

Copayments do not apply towards the Deductible or Out-of-Pocket

maximum.

Things to consider:

• The Basic Plan is the medical plan that requires the highest contribution

amount out of your paycheck, whether you seek services or not.

• You always pay Copays for prescription drugs and visits to the doctor

(other than preventive care visits) or emergency room, even after

meeting the Deductible (up to the total maximum out of pocket).

• You are eligible for a Healthcare Flexible Spending Account.

• “Use it or lose it”: Your healthcare FSA dollars must be used during the

Plan Year or you forfeit the remaining balance, except for $500, which

can be carried over to the next Plan Year.

• You are not eligible for a Health Savings Account.

The Affordable Care ActUnder the “Individual Shared Responsibility” provision of the Affordable

Care Act, you have the option to waive coverage under a GKN medical plan

and purchase coverage in the Health Insurance “Marketplace” subject to

certain conditions. However, it is important to note that the GKN medical

plans already offer the comprehensive benefits and consumer protections

that the Affordable Care Act requires – such as preventing lifetime limits on

coverage, providing essential benefits, and allowing adult children to be

covered to age 26.

Please also be aware that you are NOT eligible for any federal health

insurance premium tax subsidies for coverage purchased in the

Marketplace. This is because GKN offers healthcare coverage to its

benefits-eligible employees that is deemed affordable and meets minimum

value standards under the Affordable Care Act.

In addition, when considering your healthcare coverage, please keep in

mind that employee contributions for coverage under a GKN medical plan

are deducted from your paycheck on a pre-tax basis. By contrast, any

health insurance premiums for coverage purchased in the Marketplace

would be paid on an after-tax basis.

Please review the “New Health Insurance Marketplace Coverage Options

and Your Health Coverage” notice along with the personalized “Enrollment

Worksheet” you will receive in the mail when making your healthcare

coverage decisions. If you are a benefits-eligible employee and you elect

medical coverage through GKN, you will have met the Individual Shared

Responsibility requirement for yourself under the Affordable Care Act.

“Individual Mandate” Tax ReportingEvery employee who is eligible for health insurance coverage will receive

an annual 1095-C form from GKN. Form 1095-C provides information

needed to report on your income tax return that you, your spouse, and

individuals you claim as dependents had qualifying health coverage

(referred to as “minimum essential coverage”) for some or all months

during the year. Think of it as a “W2” for your health coverage. Everyone

who has to file taxes must report if they had coverage on their tax return

and attach their 1095-C.

GKN will also annually submit the same Form 1095-C separately to the IRS

for every employee who is eligible for health insurance coverage. The

information received by the Internal Revenue Service will be used to verify

information on your individual income tax return. Individuals who do not

have minimum essential coverage and do not qualify for an exemption may

be liable for the individual shared responsibility payment.

1 Must have a hire date on or before December 31, 2014, to be eligible to elect the Basic Plan for medical coverage.

2 Per the annual Highmark Preventive Schedule.

The costs of healthcare can be hard to understand. When you’re choosing a medical plan, you’ll want to look at more than the monthly employee contribution rates and Deductibles. Take a look at how and when you pay for coverage, too, and then decide which Deductible, employee contribution rate, and overall Out-of-Pocket cost is the best option for you and your family. Some things to consider are:

• What is the monthly employee contribution out of my paycheck?

• What is the yearly Deductible? (The amount you have to pay each year before the plan starts to pay.)

• What is the yearly Out-of-Pocket maximum? (The total you have to pay each year for most of your covered services. It does not include your employee contributions out of your paycheck.)

• Are there any Copays that you have to pay when you receive services?


$1,300

$2,600

80% After Deductible 60% After Deductible

$3,000

$6,000

See OOP Max

See OOP Max

100% Not Covered


$40 or less Not Covered

80% After Deductible


$500 maximum/Employee – $500 maximum/Spouse

N/A

$2,000

$4,000


$4,000

$8,000

See OOP Max

$6,550/individual – $8,000 Family

100% Not Covered


$40 or less Not Covered

80% After Deductible



N/A

$500 $1,000

$1,000 $2,000


$2,000 $4,000

$4,000 $8,000

$6,350 N/A

$6,350/individual – $12,700 Family N/A

100% Not Covered

$15 Copay 60% After Deductible

$0 Copay Not Covered

$100 Copay (waived if admitted)


N/A


2016 Medical Plan Key Features Comparison Chart

PLAN PROVISIONS VALUE SAVER PLUS VALUE SAVER BASIC (Grandfathered1 Employees only)

IN-NETWORK IN-NETWORK IN-NETWORKOUT-OF-NETWORK OUT-OF-NETWORK OUT-OF-NETWORK

80% After Deductible 80% After DeductibleNot Covered Not Covered Not Covered

Employee Only

Employee + Child(ren)

Employee + Spouse

Family

$81

$154

$171

$252

$17

$32

$36

$53

$245

$466

$515

$760

PRESCRIPTION DRUGS – RETAIL (30-DAY SUPPLY)

PRESCRIPTION DRUGS – MAIL ORDER (90-DAY SUPPLY)

MONTHLY RATES – EMPLOYEE CONTRIBUTIONS

80% After Deductible 80% After DeductibleNot Covered Not Covered Not Covered

$25 Copay

$10 Copay

$20 Copay

$50 Copay

1 Must be hired on or before December 31, 2014, to be eligible to elect the Basic Plan for medical coverage2 Deductibles are included in the Value Saver and Value Saver Plus plan OOP maximums. Deductibles and copays are excluded from the Basic Plan OOP maximum.

$25 Copay

$50 Copay

$125 Copay

• Generic

• Preferred Name Brand

• Non-Preferred Name Brand

• Generic

• Preferred Name Brand

• Non-Preferred Name Brand

Employee-Only Deductible

Other Coverage Levels Deductible

Coinsurance Rate (% Cost Share)

Employee-Only Out-of-Pocket (OOP) Maximum2

Other Coverage Levels Out-of-Pocket (OOP) Maximum

Employee-Only Total Maximum Out-of-Pocket (TMOOP)

Other Coverage Levels Total Maximum Out-of-Pocket (TMOOP)

Preventive Care

Physician Office Visit

Specialist Office Visit

Telemedicine Consult through Teladoc™

Emergency Room Care

Inpatient Hospitalization

Earned HSA Wellness Reward

Earned Cash Wellness Reward, less payroll taxes


USING YOUR MEDICAL PLAN

Medical Expense EstimatorBeing able to estimate the cost of medical care for you and your family can

make it easier to choose the right medical plan. To estimate your annual

healthcare expenses use the Medical Expense Estimator online at the GKN

Benefits Service Center:

Preventive CarePreventing disease and detecting health issues at an early stage is

essential to living a healthy life. Following these guidelines – and your

doctor’s advice – will help you stay healthy. Preventive care focuses on

evaluating your health. Routine checkups and screenings can help you

avoid more serious health problems in the future. Closing the gaps in

preventive services – such as increasing the number of adults who use

aspirin to prevent heart disease – would save 100,000 lives a year in the

U.S.1 Your annual preventive care visit is allowed by Plan Year: For example,

if you had an annual preventive visit in May 2015, you will be eligible again

at the start of the new Plan Year, January 1, 2016.

What’s covered as Preventive Care?Covered preventive care services (per the annual Highmark Preventive

Schedule) are paid with no cost sharing2 (Deductible, Copay or

Coinsurance) when you see a participating provider and include:

• Physical exams

• Blood pressure screening

• Blood glucose screening

• Prostate cancer screening

• Colorectal screening

• Women’s well care

• Mammogram

• Well-child care

• Immunizations for children

The annual Highmark Preventive Schedule complies with Healthcare

Reform and is based on recommendations from a number of professional

organizations, such as the Centers for Disease Control, the U.S. Preventive

Services Task Force, and the independent Institute of Medicine.

In-Network preventive care is covered at 100% for eligible services in all

of the GKN medical plans. If your doctor recommends a service that he or

she considers preventive, but is not listed on Highmark’s schedule, it may

be subject to the Deductible, Copay or Coinsurance. Important: There is

no Out-of-Network preventive care. Please see the annual Highmark

Preventive Schedule for more information.

Use your benefits and save! Schedule your annual preventive care visit

and be sure to share your annual Highmark Preventive Schedule with your

doctor so he/she is aware of your covered benefits. Click on Preventive

Care Saves Lives at the bottom of the Highmark member homepage at

highmarkbcbs.com for an electronic copy of the Highmark Preventive

Schedule. You may also wish to have your doctor perform the health

screening portion of the wellness program during your annual preventive

care visit. Contact RedBrick Health at 1-855-479-7624 for the required

physician health screening form before you visit your doctor.

TO ACCESS THE MEDICAL EXPENSE ESTIMATOR: log in to gkn.benefitsnow.com and, under the Resources tab, select Medical Expense Estimator, then follow the prompts. You can compare the GKN medical plans and also customize your medical service needs to get an idea of which plan is the best option for you.

Expand View Estimated Cost Details and get more information on what you can expect to pay annually for each medical plan option.

Click on Customize Your Medical Service Needs to change the amount of healthcare services you or your dependents use. This can provide you even more accurate results.

All of GKN’s medical plans are Preferred Provider Organizations (PPOs). You can go to any doctor you choose, but you will receive richer benefits if you stay In-Network. All of the plans cover the same services.

1 Source: U.S. Preventive Services Task Force2 Certain limits apply to preventive care, such as age at testing, frequency of testing, family history, etc.


Medical ID CardsOnce you enroll, Highmark will send identification cards for you and your

enrolled family members. You can also print a temporary ID card from the

Highmark website or view a virtual ID card from the mobile website:

Obtaining Services Before You Get Your Medical ID CardsIf your medical card has not arrived by the date your benefits become

effective, contact Highmark to find out how to receive services. Although

you are covered the first of the month following your hire date, or

coincident with your hire date if it occurs on the first of the month, it

may take up to 30 days for Highmark to have a record of your Membership

and send your ID card(s).

If you need immediate services before you receive your ID card(s), first

check with Highmark to see if they have a record of your enrollment. If so,

you can print a temporary card from the Highmark website or view a virtual

Prescription DrugsUnder the two Value Saver plans, your prescription drug expenses are

treated like any other medical expense. You pay the Highmark discounted

price up to the Deductible and then Coinsurance is applied. If you reach

your Out-of-Pocket maximum, your prescription is 100% covered. You must

show your Highmark identification card to ensure the expense is properly

applied to your Deductible or Out-of-Pocket maximum and to receive the

discounted prices.

For example, you receive a prescription from the doctor for a one-time,

one-month’s supply:

Under the Basic Plan,1 you will pay a Copayment for your prescriptions as

noted below. Copayments continue until you reach the annual Total

Maximum Out-of-Pocket (TMOOP).

DAW (Dispense as Written)When a prescription is written “DAW” (dispense as written) or a Member

requests a Brand Name drug when a Generic equivalent is available, the

Member’s cost will be the Copay (Basic Plan) or discounted rate (Value

Saver plans) plus the difference between the Generic and the brand amount.

Mandatory Mail OrderAny prescription taken for more than 60 days, such as maintenance

medications for a chronic condition, may ONLY be filled through the

mail-order pharmacy. You can access the Express Scripts mail-order

pharmacy online at highmarkbcbs.com, or by phone at 1-800-811-0391.

Advantages include:

• New prescriptions and refills accepted • Delivery direct to your home

• Transfers accepted • No standing in line

• Same discounted rates apply as retail • Voluntary auto-refill service

• 3-month supply for a 21/2-month cost

Mail order tips: Ask your doctor’s office to keep a copy of the Express

Scripts mail order fax form in your patient file. Then, contact your doctor at

least 2 weeks before your prescription expires and ask the doctor’s office

to fax your prescription to Express Scripts that day.

Also, keep in mind that most prescriptions expire after one year from the

date they are written. The prescription cannot be filled after the expiration

date even if there are unused refills remaining.

Filling a PrescriptionYour prescription drug benefits are administered through Highmark Blue

Cross Blue Shield. Highmark uses Express Scripts as its pharmacy provider.

• To fill a 30-day prescription, go to any In-Network retail pharmacy and

show your Highmark ID card.

• To fill a new 90-day prescription, most doctors’ offices can send in a

prescription to Express Scripts electronically. Additionally, you can

download the Express Scripts mail-order pharmacy form online via the

Highmark website at highmarkbcbs.com and mail or fax, along with your

new prescription, via the instructions on the form. You can also download

a form to take to your next doctor visit for your doctor to complete and fax

to Express Scripts.

• To re-fill a 90-day prescription, use the mail-order pharmacy at Express

Scripts by ordering online via the Highmark website at highmarkbcbs.com

or by phone at 1-800-811-0391.

Specialty PharmacyIf you are in, or just beginning, therapy for certain chronic conditions, you

must have your specialty drugs filled through Walgreens Specialty

Pharmacy. In this case, you’ll receive information from Walgreens Specialty

Pharmacy on how the specialty pharmacy works and how to get started.

Specialty medications are used to treat very serious conditions and

diseases such as:

• Certain cancers • Multiple Sclerosis

• Hepatitis • Rheumatoid Arthritis

Walgreens Specialty Pharmacy specializes in helping patients with these

types of conditions and, similar to the mail-order program, delivers

specialty medications to your home or doctor’s office. Drug specialists can

help you monitor your prescriptions, understand any side effects, and let

you know when you’re running low.

ID card from the mobile website. If Highmark does not have a record of

your enrollment, contact the GKN Benefits Service Center. Until you receive

your card, you may have to pay for services in full. Contact Highmark to

find out the reimbursement procedure. Be sure to save all your receipts.

Partnering with Your PhysicianYour relationship with your healthcare provider influences your ability to

make wise health decisions and it can impact the outcome of your care. To

get the most out of your care, you should have an open, honest dialogue

based on mutual respect.

Here are some tips to getting the most out of your care services:

Before the visit

• Prepare by having as clear a description as you can of your symptoms

and being able to provide any pertinent background information

• Bring a list of all medications you currently take, including any over-the-

counter medications or vitamin supplements

• Write down the key questions you most want answered

During the visit

• Share as much as you can about your condition, being as precise and

specific as possible

• Seek as much information as you can on your condition

• When helpful, take notes and review them with your physician

If your doctor recommends a drug, test or treatment, remember to “do your

homework” on the recommendation. See Highmark’s Online Tools and

Resources on page 31 and Highmark’s Care Cost Estimator on page 32 for

more help.

Once you and your doctor agree on a course of action, learn what you can

do to help ensure the best possible outcome.

Take Rx and ID card to pharmacy

Pharmacy contacts Highmark for Rx price

You pay your share up to the remaining deductible (20%, if deductible is met)

QUESTIONS ABOUT Rx DRUG COVERAGE? You can call Express Scripts toll free at 1-800-811-0391.

1 Must be hired on or before December 31, 2014, to be eligible to enroll in the Basic Plan.

QUESTIONS ABOUT YOUR MEDICAL PLAN?You don’t have to go it alone! You can call Highmark and speak with a customer service representative at 1-800-811-0391 to ask any questions about your medical coverage.

Rx Drug Category 30-day supply 90-day supply (retail) (mail-order)

Generic $10 Copay $25 Copay

Preferred Name Brand $20 Copay $50 Copay

Non-Preferred Name Brand $50 Copay $125 Copay


Urgent Care CentersDid you know that up to 70% of hospital Emergency Room (ER) visits are

not for actual emergencies?1 By gaining a better understanding of when to

seek care and at what type of facility, you can cut down on time wasted

waiting in crowded hospitals and also cut your expenses.

Sometimes a hospital ER is the best option, particularly with conditions

such as chest pain, shortness of breath, and other symptoms of heart

attack or stroke; major broken bones; or significant, uncontrolled bleeding.

But often an urgent care center may be a better option for conditions that

do not require a hospital or emergency room, such as sprains, strains, and

cuts; minor infections, rashes and sore throats; minor broken bones

(fingers, for example); or diagnostic services, including X-rays and

laboratory tests.

Just like a hospital ER, many urgent care centers are open seven days a

week, including holidays, and are staffed by physicians. Although average

wait times can vary widely in a hospital ER, from one hour to up to six

hours, depending upon where you live, an urgent care visit is usually an

hour or less. Further, a non-emergency visit to an urgent care center will

cost you a lot less than a visit to a hospital ER. Half of all visits to urgent

care centers result in an average charge of less than $150, compared to

an average cost of $1,354 for a visit to a hospital ER.2 That’s about nine

times more!

Keep in mind that the doctor’s office is still the best place to go for

situations that do not require immediate attention. Your doctor has your

records, knows your health history, and can provide the best follow-up

care. Check with your doctor’s office to see if they offer same-day or

next-day appointments.

You can always contact Blues On Call® to help you determine which option

is best for medical care in your current situation. Keep reading for more

details on Blues On Call.®

To find an urgent care center near you, go online to the Highmark Blue

Cross Blue Shield website at highmarkbcbs.com and click on Find a Doctor

or Rx. Then, search for an “Urgent Care Center & Retail Clinic” in your area.

You can also call Highmark at 1-800-241-5704 for the urgent care center

nearest you.

Telemedicine through Teladoc®

Beginning January 1, 2016, all GKN medical plans will include a tele-

medicine benefit. Telemedicine is the provision of remote access to a

physician via phone or videoconference to address a healthcare issue.

Access to a telemedicine provider can prevent an ER visit or prevent the

need to arrange travel, childcare, or time off from work for an office visit

during the week. Telemedicine is not designed to replace the need for a

relationship with a physician, but serves as a convenient and cost-effective

alternative.

GKN’s telemedicine provider is Teladoc.™ Teladoc is the largest tele-

medicine provider, offering services in 49 states and the District of

Columbia, giving members 24/7/365 access to quality medical care

through phone and/or video consults.3 A welcome kit will be mailed to

your home with instructions for setting up your account, completing your

medical history and requesting a consult. Once you’re set up, a Teladoc

doctor is always just a call or click away. Within minutes, a doctor will

contact you, ready to listen and resolve your issue. If medically necessary,

a prescription will be sent to your pharmacy of choice. It’s a more

convenient and affordable way to get the care you need.

Teladoc does not replace your primary care physician. Teladoc is simply a

new way to access qualified doctors. It is a convenient and affordable

option for quality care. Consults are $40 or less, and the treatment, if

any, that you receive will be sent to the physician listed on your medical

history form.

1 “Urgent Care Saves Time, Money Plus Eases Overcrowding in ERs,”bizjournals.com.2 Urgent Care Association of America. “Urgent Care Association of America Releases 2014 Urgent Care

Survey, Shows Major Industry-Wide Expansion.” December 2014.3 Some restrictions may apply based on state/national regulations. Teladoc™ adheres to all state

regulations and continuously works with state and national regulatory authorities to update its coverage.

Highmark’s Blues On Call®

Sometimes we aren’t always sure where to turn for care. Hospital

emergency room? Urgent care center? Doctor’s office? Whether it’s early in

the morning or late at night, one toll-free telephone call connects you to

Blues On Call® – a comprehensive health information and support program

offering a wide variety of up-to-date, easy-to-understand healthcare

resources. Contacting Blues On Call® connects you to a specially trained

registered nurse.

A nurse is available 24 hours a day, as often as you want, to discuss

questions about any health topic that concerns you – a rash, an earache,

a recent diagnosis, medications, a scheduled medical test or surgery.

Maybe you have an appointment to see your doctor and aren’t sure what

questions to ask. Blues On Call® can help. In this age of technology, it is

often difficult to reach a real person by phone. With Blues On Call,® you

can speak directly to a nurse.

Highmark’s Baby BluePrints®

Get Off to a Healthy Start!Expectant mothers who live a healthy lifestyle are more likely to have a

healthy baby. But having a baby can be an overwhelming event filled with

questions and confusion. To help expectant families better understand

every stage of pregnancy and make more informed care and lifestyle-

related decisions, Highmark offers the Baby BluePrints® Maternity

Education and Support Program free of charge. This program encourages

you to take a more proactive role in your health by providing clear, in-depth

educational information and ongoing personalized support throughout

your pregnancy and after the delivery.

What Can You Expect When You Join Baby BluePrints®?This free program gives you access to in-depth educational information on

all aspects of pregnancy through multiple online offerings. Baby BluePrints®

also gives Members access to individualized support from a nurse through-

out their pregnancy. When you enroll, you will receive a confirmation letter

with additional information, including helpful pregnancy tips.

Enrolling in Baby BluePrints® is Easy. Just call toll-free at 1-866-918-5267. You can enroll anytime during

your pregnancy, but the earlier the better to take advantage of all the

program’s offerings.

WHEN CAN I USE TELADOC?

• Whenever you need care

• If you’re considering the ER or urgent care center for a non-emergency issue

• On vacation, on a business trip, away from home

• For short-term prescription refills

QUESTIONS ABOUT TELADOC™ ?Visit Teladoc.com using a computer or mobile device, or call 1-800-Teladoc (835-2362).

QUESTIONS ABOUT BLUES ON CALL®?Call Blues On Call day or night!1-888-BLUE-428 (1-888-258-3428)

QUESTIONS ABOUT BABY BLUEPRINTS®?Call Baby BluePrints® day or night! 1-866-918-5267

MEET TELADOC’S DOCTORS

• Practicing PCPs, pediatricians, and family medicine physicians

• Average 15 years’ experience

• U.S. board-certified and licensed in your state

• Credentialed every three years, meeting NCQA standards

• Able to prescribe non-narcotic prescriptions for diagnosis

GET THE CARE YOU NEED

• Cold & flu symptoms

• Allergies

• Bronchitis

• Urinary tract infection

• Respiratory infection

• Sinus problems


Highmark’s Online Tools and ResourcesHere is a summary of what you can do as a Member through the Highmark website:

VISIT HIGHMARK ONLINE TODAY!

Type HighmarkBCBS.com in your Internet or mobile browser to log in or register.

First-time visitor?Registration is simple: Please have your Member ID card handy to set up your ID and password. You can use the same ID and password to log in to the full site and the mobile site. The registration process is the same for both and only needs to be completed once; if you’re a new user, you can register on either site.

Find a Doctor

Compare care costs

Track and review claims

View the Preventive Schedule

Find and compare the cost of prescription drugs

Research health topics

Rate your physician and view others’ ratings

Store your personal health record

Choose communications preferences

Mobile website

Are you looking for a new doctor or specialist? Search for In-Network doctors, hospitals, urgent care/retail clinics, X-ray/imaging centers and other medical providers by name or specialty. Click on Find a Doctor on the member home page under Health Care Tools.

Look up typical medical expenses for care procedures and compare costs at network facilities and hospitals. Click on the Care Cost Estimator on the member home page under Health Care Tools (see below for more details).

View up to twelve months of claims under the Claims tab in the Claims and Payments section.

Based on recommendations from the American Academy of Family Physicians, the online preventive schedule is a handy reference for your family’s health screening and immunizations. Stay up-to-date on required shots, recommended exams and routine screenings. To view the Preventive Schedule, click on Preventive Care Saves Lives at the bottom of the member home page.

Would you like a less expensive medication? See how much a drug costs and if there is a Generic equivalent your doctor could prescribe. To look for lower-cost medications, be sure to use the My Rx Choices® prescription savings program. To get there, click on Prescriptions at the top of the member home page.

Get information on a specific health topic or emerging health trends with news articles, a health library, condition guides, e-newsletters, videos and links to relevant health resources across the Web.

Share your provider and staff experience, and read reviews based on these five key measures: overall satisfaction, appointment availability, communication, office environment and whether you would recommend them.

Keep your health-related information, including providers’ names and numbers, office visits, lab results, and medication information, in one location you can access anytime from anywhere.

Select paperless health statements and Member communications. From the member home page, click on Your Account > Account Settings > Contact Preferences > and check the “Go Paperless” box.

Now you can use your smartphone or tablet to find the features you use the most. The Highmark mobile website allows you to view Member ID cards, find doctors, hospitals, imaging centers, etc., rate and review providers, use GPS location to map and get directions, view claims, and more. Just type HighmarkBCBS.com in your mobile browser.

Highmark’s Care Cost EstimatorDid you know that you can often choose where to go for care, and that your

choices may affect how much you end up paying? You might not realize it,

but the costs for common medical care can vary widely from place to place.

For example, suppose you sprain your knee and your doctor recommends

an MRI at a local hospital. However, there are multiple imaging centers

nearby and you’re not sure which one offers the most cost-effective

services. Just log on to your Member website and use the Care Cost

Estimator to help you decide.

The Care Cost Estimator lets you shop and find high-quality, cost-effective

care on everything from screening tests, such as colonoscopies, to

surgeries, including gastric bypass, cardiac and cataract surgeries. You

can also see estimates for what you may pay at a hospital versus at an

outpatient surgical center or a freestanding imaging center.

This tool calculates your portion of medical costs by taking into account

your specific Deductible, Coinsurance and Copay amounts. Your potential

cost is based on the charges likely to be associated with the service or

procedure you need. If you were pricing a surgery, the estimated cost

range could include fees from admission through discharge, such as

physicians’ charges, surgical suite, anesthesia, recovery room or medical

supplies. Knowing your estimated costs can help you make informed

decisions to plan for the healthcare you need.

Using Your Coverage While TravelingThe BlueCard Worldwide® program enables you to receive inpatient and

outpatient hospital care and physician services when you’re traveling

outside the United States. It includes medical assistance services and an

expanded network of healthcare providers throughout the world:

• If you need information on available local hospitals or physicians at your

travel destination before your trip, call toll-free at 1-800-810-BLUE or

access the information at bluecardworldwide.com (also available as a

mobile app!).

• If you require medical attention when you’re traveling outside the United

States, call BlueCard Worldwide® at 1-800-810-BLUE. (If you are unable

to use the toll-free number, call collect at 1-804-673-1177). A medical

assistance coordinator, in conjunction with a nurse, will arrange

hospitalization, if necessary, or make an appointment with a physician.

In an emergency, you should go directly to the nearest hospital.

• All services are available 24 hours a day, 365 days a year, anywhere in

the world! There is no charge for any referral or coordination help you

need, and any medical services you receive will be covered in accordance

with your program limits.

Highmark’s Care Cost Estimator makes it easy to get an estimate of what you might owe for a procedure, so you can compare costs of different doctors and hospitals and make the most informed decision.

DOWNLOAD THE MOBILE APP FROM THE APP STORE OR GOOGLE PLAY:• Search providers for medical, dental, or mental healthcare and map

them using GPS technology.

• Find a medication’s availability, generic name, and local brand name.

• Access embassy information including location, contact, and GPS technology.

• Translate medical terms and phrases for many symptoms and situations; use the audio feature to play the translation.


Paying for Healthcare with Your Health Savings Account (HSA)The purpose of GKN’s Value Saver and Value Saver Plus plans, as

Consumer-Driven Health Plans (CDHP), is to lower healthcare costs by

encouraging employees to become more educated about their medical

care decisions while making employee contributions more affordable.

A Health Savings Account (HSA) is designed to be used together with a

CDHP to help pay for the higher Deductible costs. In addition, all the

money contributed by you to a HSA is pre-tax, so it potentially lowers your

tax liability. Unlike an FSA, if you don’t use the full amount of your annual

contribution, the money stays in your account and rolls over year to year to

be used for future qualified expenses or as part of your savings for medical

expenses in retirement. And, you own the account, so even if you leave

GKN your account goes with you.

A common concern of employees considering one of the Value Saver

plans is being afraid they can’t afford to pay for care until they reach the

Deductible. A couple of things to keep in mind are: (1) A high-deductible

plan still offers you protection against the greatest expenses if you were

hospitalized or experienced high medical claims, for example, as both the

Value Saver and Value Saver Plus plans feature annual Out-of-Pocket

maximums (the most you’ll pay for medical claims in a year, (2) You may be

able to negotiate with healthcare providers in your area that are willing to

take installment payments until you reach your plan’s Deductible, (3) You

can change your HSA contribution election at any time during the year.

HEALTH SAVINGS ACCOUNTS

The Health Savings Account is an account in your name that:• Is established by Highmark at Bank of America.

• Allows you to save pre-tax money up to the IRS limits per year. If you are

over 55, you can contribute a “catch-up” amount in addition to the IRS

annual allowed amounts.

• Provides you with tax-free reimbursements for qualified medical expenses.

• Is portable – the account is yours. If you change jobs, you can take your

account with you.

• Earns interest. You can also make investment elections on any balance

over $500.

• Any money in your account becomes part of your estate – if something

should happen to you, you can pass your account along to your surviving

beneficiaries.

In addition, if you enroll in the Value Saver plan or Value Saver Plus plan,

wellness earnings can be contributed:

• GKN will deposit your earned Wellness rewards into your account

periodically, as long as you are eligible for a HSA account.

• If you earn your Wellness rewards after the October deposit of the Plan

Year, GKN will deposit your earned Wellness rewards into your account in

the next Plan Year.

• Any company contributions to your account are excluded from your

gross income.1

HSA Funds Can Be Used Now or LaterNow, while you are still working:

• Pay your provider with your debit card or online at highmarkbcbs.com

• Reimburse yourself for qualified expenses incurred after you open

your HSA.

• Take distributions from your account. (However, if you’re under age 65,

non-qualified expenses are subject to income tax AND a 20% excise tax.)

Later, when you retire:

• Reimburse yourself for qualified expenses you incur even after you’re no

longer eligible to contribute to an HSA. You can wait as long as you want

to take these distributions.

• Use for Medicare premiums.

• Once you turn 65, you can take non-qualified distributions by paying

income taxes (like a Traditional IRA) without paying the 20% penalty.

1 Excludes California residents

2016 HSA CONTRIBUTION

LIMITS

Employee Only – $3,350

Other Coverage Levels – $6,750

Catch-up (age 55+) – $1,000

Am I Eligible for a Health Savings Account (HSA)?In order to be eligible for a HSA, you must:

• Be enrolled in a consumer-driven health plan (CDHP) like the Value Saver

or Value Saver Plus plan, AND

• Not be claimed as a dependent on someone else’s tax return.

(Note: married filing jointly does NOT make you a dependent), AND

• Have no medical coverage other than a CDHP. (Note: examples of

“medical coverage other than a CDHP” include: a Healthcare FSA, a

spouse’s Healthcare FSA, coverage under a spouse’s HMO, EPO, or

traditional PPO, or coverage under Medicare), AND

• Be able to clear a CIP/OFAC1 security check. Federal regulations require

Bank of America to verify some information on all new bank deposits.

Bank of America will conduct this security check on your behalf. All you

need to do is provide any requested information directly to Bank of

America.

Please note: To pass the CIP/OFAC security check you must (1) legally

reside in the U.S., (2) have a verifiable U.S. address, and (3) have a U.S.

Social Security number.

Important:

• Qualified expenses incurred prior to opening your HSA being opened are

not reimbursable through your HSA.

• You may not pay for over-the-counter drugs such as antacids, allergy

medications, pain relievers and cold/flu medications through your HSA

unless prescribed by your doctor.

• Dependent medical expenses submitted for payment from your HSA

must only be for those dependents that are considered “qualified” under

IRS rules. These rules may differ from GKN’s eligibility rules.

• You do not have to submit receipts with your requests for payment/

reimbursement. However, as the HSA is an auditable account, you will

want to retain copies of receipts/bills in the event of an IRS audit.

• Due to legal requirements associated with HSAs, if you or your spouse

has a Healthcare Flexible Spending Account (FSA) in 2016, you cannot

contribute to an HSA. You may have a LFSA.

• Earned rewards will be deposited to your HSA account periodically

throughout the plan year. HSA contributions for rewards will be deposited

to active employee accounts only; HSA contributions for rewards will be

forfeited if you are a terminated employee at the time of the deposit, OR,

if your HSA is not opened at the time of the deposit.

To use your HSA, you must have enough money to cover an expense (you

can’t overdraw your account). However, if you don’t have enough money

in your HSA to cover an expense, you can pay out of your own pocket and,

if you have a debit card, reimburse yourself through tax-free cash with-

drawals (at any ATM) as your balance builds up. Note: you must keep a

minimum balance of $50 in your account. To manage your HSA, please

read on.

For more details regarding HSAs, please go to: treasury.gov/resource-

center/faqs/taxes and click on Health Savings Accounts (HSAs).

1 Customer Identification Program/Office of Foreign Assets Control (CIP/OFAC): A CIP verifies the Subscriber’s name, address, date of birth, and Social Security number; OFAC checks are completed in order to ensure U.S. companies do not complete business transactions with countries and nationals of embargoed countries and organizations.

NO BANK OF AMERICA HSA? GKN will be unable to deposit earned wellness rewards in the form of HSA contributions if Bank of America is unable to open a Health Savings Account on your behalf. You will receive any earned wellness rewards from GKN in the form of cash in your paycheck, less applicable taxes.

ARE YOU ELIGIBLE FOR MEDICARE?

If you are eligible for Medicare but have not filed an application for either Social Security retirement benefits or Medicare, you can contribute to a HSA.

Please note: If you do not take Medicare when you first qualify, you must take special precautions regarding your HSA if and when you do decide to collect Social Security benefits (either while working or when you retire) or you may have a tax penalty. For more information, please go online to Medicare.gov.

If you are enrolled in Medicare – you cannot contribute to an HSA. However, you can continue to use funds from an existing HSA for approved medical purposes. In addition, you will receive any earned wellness rewards from GKN in the form of cash in your paycheck, less applicable taxes.

If you have applied for, or are receiving, Social Security benefits – which automatically entitles you to Medicare Part A – you cannot contribute to an HSA. However, you can continue to use funds from an existing HSA for approved medical purposes. In addition, you will receive any earned wellness rewards from GKN in the form of cash in your paycheck, less applicable taxes.


Opening Your Highmark Health Savings Account (HSA)If you are a new HSA Member, Highmark will automatically set up your

account for you with Bank of America. Initial account setup can take up to

several weeks. For example, here is an average timeline1 for account setup:

1 This timeframe may be greater if you fail the CIP/OFAC check. This can happen if the personal information received from GKN does not match the information uncovered by the CIP/OFAC check (discrepancy in name, misspellings, different address, etc). If that happens, you will be notified by U.S. mail and asked to verify your personal information by submitting requested documentation. Please fax any requested information to CIP at 1-866-228-9417. Any delay in response by you will delay the opening of your HSA.

Accessing Your Highmark HSAThe nice thing about the Highmark HSA is that it is integrated with your

Highmark health coverage, which makes sense both financially and in

terms of convenience.

Your Highmark HSA is easy to activate through your Highmark Member

website.

Just follow these simple steps:

1. Log in to HighmarkBCBS.com using a computer, tablet or smartphone.

2. First time users will need to register for a login ID and password.

3. After you are logged in, click on the Your Account link at the upper

right of the home page on your Member homepage. Select Account

Settings from the dropdown menu.

4. Click on the Spending tab to look for your HSA balance and deposit

details. Don’t forget to accept the Terms and Conditions if this is your

first time in the Spending tab. If you don’t see your HSA information,

check back in a few days. Your account setup may still be underway.

5. On the Spending tab, scroll down to the Spending Account Settings

link. You can add or change beneficiaries and sign up for direct

deposit; you can view or change these settings at any time.

Watch your mailbox for your HSA Welcome Kit and your HSA Debit Card

(Note: These are mailed separately). You can order extra debit cards by

clicking the Debit Card link under the Spending tab and following the

instructions.

Everything you need to manage your care spending is at your Highmark

Member website. So, in one central convenient location, you can pay your

care provider, submit expenses to be paid back by your HSA, view all

transactions, track your payments, and make after-tax contributions.

QUESTIONS?Call the toll-free Member Service number on the back of your Highmark Member ID card at 1-800-811-0391.

DAY 1 Enrollment file received by Highmark (can take up to 10 days from the date the employee enrolls in a plan).

DAYS 2–3 Bank of America begins the security checks.

DAYS 5–10 Account is opened based on Subscriber clearing the security checks

DAYS 15–20 Employee contributions are deposited.

Subscriber receives their new HSA debit card(s) at the address on file.

DAYS 26–31 Subscriber receives Welcome Letter at the address on file.

Click on the Your Account link to get started.

FLEXIBLE SPENDING ACCOUNTS

Overview Another benefit offered by GKN is the Flexible Spending Account (FSA). This type of account can be used to pay for eligible healthcare and dependent care expenses while reducing your taxable income. All contributions to your account are deducted from your paycheck before taxes. The provisions detailed here are governed by the IRS. The three types of FSAs are:

Healthcare Flexible Spending Account (HC FSA)If you enroll in the Basic Plan,1 you can contribute up to $2,550 into a

Healthcare Flexible Spending Account (FSA) to use toward eligible medical,

prescription drug, dental and vision expenses. This includes Coinsurance,

Deductibles and Copays. Over-the-counter (OTC) medications are not

eligible for reimbursement unless they are prescribed by your doctor

(except insulin).

Limited Use Healthcare Flexible Spending Account (LFSA)If you enroll in one of the Value Saver plans, you will be able to participate

in a Limited Use Healthcare FSA. Your reimbursements will be limited to

dental and vision expenses until you meet your annual Deductible; you may

only submit your incurred medical expenses after you meet your Deduct-

ible. The contribution limit for a Limited Use Healthcare FSA is $2,550.

Keeping ReceiptsIf you are enrolled in the Healthcare FSA or Limited Use Healthcare FSA, be

sure to keep all receipts for eligible expenses. Under The Patient Protection

Affordable Care Act (PPACA), plan administrators must review all health-

care expenses to ensure the amount is eligible for reimbursement from

your Healthcare FSA or Limited Use Healthcare FSA.

To ensure your reimbursement payment is approved and processed quickly

from your Healthcare FSA or Limited Use Healthcare FSA, be sure to save

all receipts for healthcare expenses you plan to submit for reimbursement.

HEALTHCARE FSA (HCFSA)

The general purpose healthcare FSA is used to pay medical, dental or vision care that

is not covered by your health plan.

Basic Plan1 only

DEPENDENT CARE FSA (DCFSA)

If childcare or elder care services are necessary to allow you to work, go to school or find work, the DCFSA may be for you. This

plan covers your eligible dependents.

Any medical plan

You can use available account balance only.

$5,000 annual limit

You can use your total annual contribution amount as soon as you are covered under the plan.

Benefit period is from January 1 to December 31 of the same year. (e.g. 1/1/2016 to 12/31/2016)

$2,550 annual limit

During benefit periods you may not change your election except in case of a qualifying life event.

The “use it or lose it” rule states that you will forfeit any unused balance left in your

FSA at the end of the plan period.

LIMITED USE HEALTHCARE FSA (LFSA)

The “limited use” healthcare FSA is used to pay for dental and vision claims only. Once the annual medical plan Deductible is met, the LFSA may be

used to pay for eligible medical expenses.

Value Saver plans only

1 Grandfathered employees only: Must be hired on or before December 31, 2014, to be eligible to enroll in the Basic Plan.

You are allowed to carry over up to $500 of your unused balance to the following plan year.

QUESTIONS?Contact Your Spending Account online at gkn.benefitsnow.com or by phone at 1-800-861-6481.


Dependent Care Flexible Spending Account (DC FSA)A Dependent Care FSA lets you use pre-tax dollars to pay for eligible

expenses related to care for your child, disabled spouse, elderly parent, or

other dependent who is physically or mentally incapable of self-care, so

you can work, or if you’re married, for your spouse to work, look for work

or attend school full time.

Unlike Healthcare FSAs, with Dependent Care FSAs you can be reimbursed

only for expenses that fall within your current account balance, so you may

have to wait until the account balance builds to sufficiently cover a large

claim early in the year. Also, If your spouse is a stay-at-home mom or dad,

you cannot participate in Dependent Care FSAs.

You can contribute up to $5,000 (or $2,500 if married filing separately) to a

Dependent Care FSA to pay for eligible dependent care expenses annually,

including childcare and elder care.

Filing Your FSA ClaimsHealthcare, Limited Use Healthcare and Dependent Care FSAs differ

regarding when expenses need to be incurred for claims and when the

claims need to be filed. Make sure that you know the important dates for

each account.

Healthcare ClaimsWhen you enroll in a Healthcare (FSA), you are allowed to carry over up to

$500 of your unused balance to the following plan year. The amount

carried over will automatically be added to your new plan year balance and

immediately be available to pay for qualified medical expenses. This

amount will not count toward the maximum allowable contribution you

may make to your healthcare FSA in the coming year.

Claims must be submitted and postmarked by April 30 of the year

following the Plan Year. For Plan Year 2016, claims can be incurred

between January 1, 2016, and December 31, 2016, and submitted or

postmarked by April 30, 2017.

Dependent Care ClaimsYou must incur your eligible dependent care expenses during the Plan

Year – January 1 to December 31. Your claim form must be submitted or

postmarked by April 30 of the year following the Plan Year.

KEEP IN MIND…• If you are enrolled in the Healthcare FSA or Limited Use

Healthcare FSA, be sure to keep all receipts for eligible expenses you plan to submit for reimbursement.

• You cannot transfer money from one account to another. You cannot use money in your Healthcare FSA or Limited Use Healthcare FSA to be reimbursed for dependent day-care expenses, and you cannot use money in your Dependent Care FSA to be reimbursed for healthcare expenses.

• You may not receive reimbursement from your Healthcare FSA or Limited Use Healthcare FSA for over-the-counter drugs such as antacids, allergy medications, pain relievers and cold/flu medications, unless prescribed by your doctor.

• You may only submit for reimbursement from your Healthcare FSA or Limited Use Healthcare FSA dependent expenses for those dependents who are considered “qualified” under IRS rules.

• Only $500 from your Healthcare FSA or your Limited Use Healthcare FSA can be carried over to the new Plan Year, so decide carefully how much to contribute.

• Any unused funds that remain in your Dependent Care FSA will be forfeited at the end of the plan year. Dependent Care FSA funds do not carry over to the following year. The unused funds cannot be paid to you in cash or other benefits, so decide carefully how much to contribute. You may be eligible for a federal Child Care Tax Credit and/or to deduct certain health-care expenses on your tax return. Be sure to talk to a tax advisor to see whether the tax credits and deductions or the Dependent Care FSA is the best choice for you.

• If you enroll in a Healthcare FSA you will receive a Visa debit card to use at the when visiting a provider or picking up a prescription. You can always request additional cards from Your Spending Account™ by calling the GKN Benefits Service Center at 1-800-861-6481.

• Debit cards are NOT issued for Limited Use Healthcare FSA or Dependent Care FSAs.

HSA vs. HEALTHCARE FSAs

A Health Savings Account (HSA) may seem similar to a Healthcare Flexible Spending Account (Healthcare FSA), but there are important differences.

An HSA is only available to those enrolled in a consumer-driven health plan – like the Value Saver plans. If you are enrolled in a Value Saver plan and also wish to

participate in a Flexible Spending Account, you will be able to participate in the Limited Use Healthcare FSA. The chart below shows the basic rules of each

account and how they work together.

1 General purpose Healthcare FSA only available to Basic Plan enrollees; Limited Use Healthcare FSA (LFSA) only available to Value Saver plan or Value Saver Plus plan enrollees.2 Non U.S. residents, Medicare enrollees or those collecting Social Security retirement benefits are ineligible for HSA contributions and will receive earned wellness rewards in their paycheck (subject to tax).3 Debit card is available with general purpose healthcare FSA; debit card not available with LFSA or Dependent Care FSA

HEALTHCARE FSA vs. HSA

HEALTHCARE FSA HSA

Use with all plans (restrictions1 apply).

Use it by December 31 or lose any account balance over $500.

$2,550 maximum annual contribution for 2016.

It stays with GKN – you can’t take it with you if you leave GKN.

You can get reimbursed for your total annual contribution amount as soon as you are covered under the plan.

GKN does not contribute.

Balance does not earn interest.

Use a debit card3 to pay for qualified medical, dental or vision expenses. You must submit receipts or proof of eligible expense to Your Spending Account.

No investment option..

Change your annual election ONLY during annual enrollment or with a qualifying life event.

Use with Value Saver and Value Saver Plus plans ONLY.

Balance rolls over from year to year.

Employee Only coverage: $3,350 maximum annual contribution for 2016

Other coverage level: $6,750 maximum annual contribution for 2016

Additional contribution for age 55+: $1,000 maximum annual contribution

It’s portable – you will take it with you if you leave GKN.

You can use only the current account balance at any given time.

GKN will contribute earned wellness rewards in the form of HSA contributions2 ($500 per Employee or Spouse / maximum $1,000/family).

Balance earns tax-free interest.

Use a debit card to pay for qualified medical, dental or vision expenses. No need to submit receipts or proof of eligible expenses to anyone.

However, you must keep receipts or proof of eligible expenses for tax purposes.

Invest any balance over $500.

Change your election anytime.


DENTAL PLAN

PPO Dental Plan (United Concordia)GKN is covered by United Concordia, Inc. (UCCI) under the Alliance

Provider Network.

GKN is committed to providing you with programs to help you make

healthier lifestyle choices.

Did you know that the health of your mouth, teeth and gums may affect

your overall general health? For example, poor oral health combined with

other risk factors may contribute to heart disease. But, regardless of

whether you have heart disease or not, it is important to take care of your

oral health. Getting regular dental checkups can help you do that. The GKN

dental plan covers routine preventive care as well as restorative services,

oral surgery and orthodontia benefits for your children under age 19.

Consider adding dental coverage as part of your overall healthcare

management plan. Make regular dental care a part of your “stay healthy”

routine.

Your GKN dental plan gives you the flexibility to visit your own dentist or

use one from the United Concordia Alliance Provider Network. You may

choose any licensed dentist for services to be covered by the Plan.

However, your Out-of-Pocket cost could be lower if you choose a United

Concordia participating dentist. Participating dentists agree to a fixed fee

for services, so your Out-of-Pocket cost will be limited to any applicable

Coinsurance, Deductibles or amounts exceeding the program maximum.

Participating dentists will also complete and send claims directly to UCCI

on your behalf. To find a participating dentist, visit Find a Dentist on the

UCCI website at ucci.com, select “Alliance” provider network, and follow

the onscreen instructions. Or you can call United Concordia toll-free at

1-866-291-2318.

If you go to a dentist who is not a United Concordia participating dentist,

you may have to pay the dentist at the time of service. You may also have

to pay the difference between the dentist’s charge and the amount that the

Plan allows, in addition to any Coinsurance or Deductible. You may have to

submit the claim and wait for United Concordia to reimburse you. When a

dental provider is Out-of-Network, United Concordia pays a Reasonable

and Customary (R&C) rate for the service. If the dental provider charges

over the R&C rate, you may be billed for any excess fees.

The dental plan covers all preventive services at 100%, subject to an

annual maximum of $1,500.

Other expenses are subject to the annual Deductible, Coinsurance and

calendar-year maximums. Once you meet the Deductible, the plan helps

pay for other services.

Log in to your dental plan website at ucci.com to:

• View your benefits and eligibility information

• Check on the status of a claim

• Review your treatment history

• Print ID cards

• Find a network dentist

100%, no deductible

80%, after deductible

50%, after deductible

$1,500 per person

Type 1 – Preventive

Type 2 – Basic Services

Type 3 – Major Services

Orthodontia (children under age 19 only)

SUMMARY OF UCCI (ALLIANCE PROVIDER NETWORK) DENTAL BENEFITS

ANNUAL DEDUCTIBLEEmployee Only $25 / Family $75

COVERAGE

2 annual routine exams, cleanings. Exception: 4 annual routine exams, cleanings for pregnant women

Minor restorative, periodontics

Prosthodontics, major restorative, oral surgery

Maximum lifetime orthodontia benefits

$1,500 PER PERSONMAXIMUM ANNUAL DENTAL BENEFIT

QUESTIONS?Contact United Concordia by phone at 1-866-291-2318 or online at ucci.com.

VISION PLAN

PPO Vision Plan (Vision Service Plan)The vision plan is administered through Vision Service Plan (VSP) using

the VSP Choice Network.

With VSP, your vision insurance provides you access to the tools you need

to keep your eyes healthy and vision sharp. You don’t have to cut coupons

or wait for a sale – your savings are built into your VSP plan. Your Annual

WellVision Exam® is an important part of your overall health routine.

During your exam, a VSP doctor will look for vision problems and early

signs of other health conditions, like diabetes, high blood pressure and

high cholesterol. VSP maintains the highest credentialing requirements for

eye doctors to ensure that you always receive the very best care. And, VSP

offers the largest network of doctors so that you can choose to see who’s

right for you.

• The plan covers eye exams, glasses and frames (after a Copay).

• There is also an elective contact lens allowance.

• There are no ID cards for VSP. Just tell your provider to contact VSP to

verify your coverage through GKN. You can visit any vision care provider.

• When you use a VSP Choice Network provider, you pay a set Copayment

and then all services are covered in full (up to the plan allowances).

• To find a VSP doctor, go online to vsp.com and log in as a Member with

your User ID and Password. First-time users will need their Social

Security number to register. You can also call 1-800-877-7195.

• When you use a Retail Chain Affiliate provider, you pay a set Copayment

for exams and glasses, then any amounts not covered. Retail Chain

Affiliate providers include Costco, EyeMasters, Visionworks, VisionWorld

and Hour Eyes.

• When you use an Out-of-Network provider, the plan covers your services

up to specified levels, and you are responsible for the remaining charges.

Out-of-Network providers include Walmart and Sam’s Club.

• Retail Chain Affiliates and Out-of-Network providers do not always

accept VSP insurance for eye exams. If you visit a Retail Chain Affiliate or

Out-of-Network doctor, you may need to pay out of pocket for your exam

and submit a claim yourself to VSP for the covered amount.

QUESTIONS?Contact VSP by phone at 1-800-877-7195 or online at vsp.com.

1 Contact lenses and glasses frames are not covered during the same calendar year.

SUMMARY OF VSP (CHOICE NETWORK) VISION BENEFITS

Exam (every 12 months)

Lenses (every 12 months) Single Vision Lined Bifocal Lined Trifocal

Frames (every 24 months)

Contact Lenses1 (every 12 months)

VSP CHOICE NETWORK

$15 Copay – waived if purchased with lenses (frame allowance up to $200 retail)

Discount may apply

RETAIL CHAIN AFFILIATES

$15 Copay – waived if purchased with lenses (frame allowance up to $100 Costco; up to $200 all other affiliates)

No discounts apply

OUT-OF-NETWORK

Plan pays up to $45 reimbursement

Plan pays up to: $30 $50 $65

Plan pays up to $70 reimbursement Plan pays up to $105 (for fitting and lenses)

$15 Copay

$15 Copay

$200 allowance


INCOME PROTECTION

Basic Group Term Life Insurance Life insurance provides financial protection for your beneficiaries in the

event of your death and can be important to their future security. GKN

automatically provides basic life insurance coverage for all full-time

eligible employees at two (2) times annual base salary1 (to a maximum of

$1,000,000) at no cost to you. If you die while an active employee, your

stated Beneficiary(s) will receive the value of the insurance. Basic Group

Term Life Insurance is administered by The Hartford.

Optional Group Term Life Insurance Optional group term life insurance is in addition to benefits that are

payable under your GKN-paid basic group term life insurance coverage

(see above). You can elect optional employee life insurance coverage in

multiples of your base salary as long as you remain an active employee:

• Optional employee life insurance coverage may be elected for up to five

(5) times your base salary to a maximum of $1,000,000. Age reductions

apply at 65 and 70. (See the plan document for further details.)

GKN also offers optional life insurance coverage for your eligible family

members as long as you are enrolled in optional employee life insurance:

• Optional spouse life insurance coverage may be elected in increments of

$10,000 to a maximum of $250,000.

• Optional child life insurance coverage may be elected in increments of

$5,000 to a maximum of $20,000.

Please note that the combined amount of spouse or child optional life

insurance coverage you elect may never exceed 100% of the amount of

optional employee life insurance coverage you elect. Any elected amounts

of optional group term life insurance are 100% paid by the employee on a

post-tax basis. The cost depends upon your age and the amount of

coverage you purchase.

Evidence of Insurability (EOI) RequirementEvidence of Insurability, or EOI, is required when you apply for optional

employee life insurance coverage or your optional spouse life insurance

under certain circumstances:

• If you enroll yourself or your spouse in optional life insurance coverage

more than 31 days after the date you are first eligible to enroll (i.e. 31

days after your initial start date of employment).

• If you enroll in an optional life insurance amount greater than the

Guaranteed Issue Amount, regardless of when you enroll for coverage.

• If you or your spouse are currently covered under optional group term

life insurance and you increase your current coverage level more than

one coverage level during an eligible enrollment period (e.g. if during

annual open enrollment, or following a qualifying life event, you increase

your optional employee life insurance coverage from 1x base salary to 3x

base salary).

If applicable, you or your spouse will be contacted by The Hartford

following enrollment with instructions for completing your Personal Health

Application (PHA). You will not have the coverage unless you receive

approval of your PHA. You will not pay monthly contributions on the

pending coverage amounts until The Hartford makes a determination

on your PHA. The Hartford may ask for more medical information before

deciding whether to grant your request. This process normally takes

several weeks. You will be notified of the acceptance or denial of your

application. If you are approved, coverage begins the first of the next

month after your approval. See plan document for further details.

Optional group term life insurance benefits are administered by The

Hartford.

In addition to your healthcare benefits, GKN provides the following benefits on your behalf:

1 Age reductions may apply. Please see plan document for details.

Basic AD&D Benefits The financial impact of an accident can be devastating. To help protect you

and your family from the financial hardship of an unforeseen accident, GKN

provides Accidental Death & Dismemberment (AD&D) insurance coverage1

for all full-time eligible employees at two (2) times annual base salary at

no cost to you. If you sustain an injury that results in a loss of life or limb

while an active employee, you or your stated Beneficiary(s) will receive the

value of the AD&D insurance. Basic AD&D benefits are administered by

The Hartford.

Optional AD&D Benefits Optional AD&D benefits are in addition to benefits that are payable under

your GKN-paid basic AD&D coverage. You can elect optional employee

AD&D coverage in multiples of your base salary as long as you remain an

active employee:

• Optional employee AD&D benefits may be elected for up to five (5) times

your base salary to a maximum of $1,000,000. (See the plan document

for further details.)

Any elected amounts of optional AD&D benefits are 100% paid by the

employee on a post-tax basis. The cost depends upon the amount of

coverage you purchase. Optional AD&D benefits are administered by

The Hartford.

Disability InsuranceAn unexpected non-work-related injury or an illness that keeps you out

of work for a long time can rapidly use up your savings. Disability

insurance can help replace lost wages. GKN disability2 benefits create a

comprehensive safety net, whether for a few weeks or a few months or

longer:

• Short-term disability (STD) benefits provide coverage if you are unable

to work due to a pregnancy/childbirth, non-work-related disabling injury

or illness. It pays a portion of your eligible earnings, with certain limits.

STD benefits are limited to twenty six (26) weeks.

• Long-term disability (LTD) benefits provide coverage after short-term

disability has been exhausted. LTD pays a lesser portion of your eligible

earnings than STD, with certain limits, after you have been disabled for

at least twenty six (26) weeks. LTD benefits end at age 65 or when you no

longer meet the eligibility requirements.

Disability is available at no cost to you. Disability insurance is

administered by The Hartford.

1 The AD&D benefit will be paid according to the schedule of insurance shown in the plan document, depending upon the loss suffered. See the plan document for further details.

2 Certain conditions apply. See the plan document for complete details.

QUESTIONS?• For questions, please contact The Hartford by phone

at 1-800-898-2458 (Disability) or 1-800-331-7234 (Life or AD&D) or online at thehartford.com

• To report a disability, please contact The Hartford at 1-800-898-2458.

• To report a death, please contact the GKN Benefits Service Center at 1-800-861-6481.


QUESTIONS ABOUT VOLUNTARY BENEFITS?• Call Mercer at 1-855-720-0302.• To elect Voluntary Benefits, go online to the GKN

Benefits Service Center at gkn.benefitsnow.com or call 1-800-861-6481.

VOLUNTARY BENEFITS

Beginning January 1, 2016, GKN employees can enroll in three (3)

voluntary benefits: Critical Illness insurance, Accident insurance and

Identity Theft protection. Because we receive group rates, the cost of these

products for GKN employees are lower than what you might pay in the

retail market and GKN takes care of managing your premiums through

payroll deduction.

Allstate Benefits Critical Illness coverage and Accident coverage can

complement your GKN medical plan coverage by helping you pay for

out-of-pocket expenses such as Deductibles, Copays and Coinsurance,

as well as day-to-day household expenses as a result of an illness or

accident. InfoArmor’s identity theft coverage can better protect you by

monitoring credit activity and, should you fall victim to identity theft,

managing the restoration of your credit and good name, and covering costs

associated with identity theft.

Allstate Benefits Critical Illness Insurance If you were diagnosed with a critical illness today, would you be financially

prepared? Critical Illness coverage from Allstate Benefits may help you

protect your hard-earned finances if you are diagnosed with a covered

critical illness.

Allstate Benefits Critical Illness coverage pays you cash benefits when you

have a covered heart attack, stroke, major organ transplant, coronary

artery bypass surgery and more. It also pays a benefit if you are diagnosed

with invasive cancer, Advanced Parkinson’s Disease, Advanced Alzheimer’s

Disease, paralysis, and more.

And, it can work well with your major medical plan, closing gaps in

coverage. Critical Illness coverage can help offer peace of mind when a

critical illness diagnosis occurs.

Please note: Different rates apply to tobacco users; you will be required to

identify yourself and your spouse (if applicable) as a non-tobacco or

tobacco user before you may elect coverage.

Allstate Benefits Accident InsuranceTreatment can be vital to recovery after an accident, but it can also be

expensive. Allstate Benefits Accident coverage can provide cash to help

cover expenses.

Allstate Benefits Accident coverage pays you cash benefits that correspond

with hospital and intensive care confinement. Your plan may also include

coverage for a variety of occurrences, such as dislocation or fracture,

ambulance services, urgent care, emergency room services, physical

therapy and more.

With accident insurance from Allstate Benefits, you can have peace of mind

in case of accidental injuries off-the-job, 24-hours a day.

Allstate Benefits1 is not authorized to transact insurance outside of the

United States and all policies require diagnosis, treatment and services be

received in the United States. If you’re not a U.S. citizen, you’re not eligible

to enroll for coverage. If you’re a U.S. citizen working outside of the United

States, this coverage may not be a good option for you since you benefits

aren’t payable for treatment received outside of the U.S.

ID Theft – PrivacyArmor from InfoArmorIdentity theft is when someone steals another’s personal information,

such as a Social Security number, name or credit card number, to make

purchases or transactions or apply for a credit card. It can destroy the

credit of its victims. Identity theft insurance, offered through InfoArmor,

assists you with the potentially costly and complicated process of

recovering from identity theft, and will cover basic expenses incurred

during your identity recovery.

InfoArmor’s industry-leading privacy protection with identity and credit

monitoring quickly alerts you of suspicious activity before major damage

has been done. PrivacyArmor includes:

• Identity and credit monitoring alerts to uncover fraud quickly.

• Credit report each year and a score each month, making it easier to

monitor your credit.

• A secure password management solution that automatically saves and

syncs your passwords across desktop and mobile devices.

• Social media reputation monitoring to protect against cyberbullying and

reputational damage on Facebook, LinkedIn, Twitter, and Instagram.

• A digital wallet storage and monitoring service for securely storing

documents, credit cards and online accounts with a lost wallet replace-

ment service.

• An easy-to-read report of your Digital Identity that summarizes what a

real-time deep Internet search discovers about you and what is available

for the public eye to view.

• Full-service identity restoration

• $1,000,000 Identity Theft insurance policy

• Plus more!

InfoArmor provides industry-leading services to fight emerging fraud and

keep participants safe. Their proprietary technology detects more fraud,

sooner, by monitoring the point of new account application/creation.

1 Critical Illness and Accident coverage is provided by Supplemental, Limited Benefit insurance, underwritten by American Heritage Life Insurance Company, Home Office, Jacksonville, FL, a subsidiary of The Allstate Corporation. The coverage has exclusions and limitations. Allstate Benefits is the marketing name for American Heritage Life Insurance Company.

LEARN MORE: Please see the Resources tab on the GKN Benefits Service Center website at gkn.benefitsnow.com for more information and helpful videos regarding voluntary benefits.

CRITICAL ILLNESS

ACCIDENT

ID THEFT

• Payment to you in the event of covered critical illness

• 2 levels: $5,000 or $15,000

• Guaranteed Issue – no medical exam required

• Portable: take it with you if you leave GKN

• Family coverage available

• Limited conditions covered; exclusions apply

• Pre-existing conditions not covered within 12 months of the start of coverage

• Rates vary based on age at time of issue, tobacco use, and coverage level

• Payment to you in the event of covered accident

• Collect up to $10,000 per calendar year

• Guaranteed Issue – no medical exam required

• Portable: take it with you if you leave GKN


• Exclusions apply

• Payment based on schedule of benefits

• Rates based on coverage level

• ID restoration

• Credit monitoring

• WalletArmor: replace lost wallet

• Password management

• Social media reputation monitoring

• Insurance to cover the costs associated with ID theft up to $1,000,000


• Rates based on coverage levels

Non US-citizens and US citizens living abroad are eligible to enroll in PrivacyArmor; however, certain features may not be available or fully functional. Non-US citizens will be unable to activate CreditArmor, the Identity Theft Insurance Policy, High Risk Transaction Alerts and Solicitation Reduction. US citizens living abroad will be unable to activate Solicitation Reduction. Internet Surveillance, Digital Identity, WalletArmor, SocialArmor, and limited Privacy Advocate assistance will be available.


SAVINGS

401(k) PlanRetirement security is one of the most critical issues Americans face today.

GKN sponsors a retirement savings defined contribution (401(k)) plan for

employees to help them prepare for a comfortable retirement. A 401(k)

plan can be one of your best tools for creating a secure retirement. The

federal government established the 401(k) in 1981 with special tax

advantages to encourage people to prepare for retirement. Access to your

401(k) money is restricted because it is intended for retirement. GKN’s

401(k) plan is administered by Prudential Retirement.

Tax-Deferred Savings: By participating in the traditional 401(k) plan, you

can save money toward your retirement on a tax-deferred basis; you don’t

pay federal or state income taxes on your savings or investment earnings

until you withdraw the money at retirement. You are eligible to participate

in the plan after your first thirty (30) days as a regular employee of GKN.

Money is deducted from your paycheck before taxes are withdrawn, which

lowers your taxable income and therefore, lowers your taxes. And, your

retirement savings in a 401(k) plan can really add up over time.

Taxable Distributions: When you begin to take distributions from your

traditional 401(k) plan, you will pay normal income tax on those

distributions, but the income tax will be based on your tax bracket at

the time of the distribution which, in retirement, is typically lower than

when you were still employed.

Annual Contribution Limits: The IRS sets a maximum amount you can

contribute to a traditional 401(k) plan in any given year. For 2016, this limit

is $18,000. You may elect to make contributions in any whole percentage

of your pay up to 50%. Also, employees over age 50 can make “catch-up

contributions” of up to $6,000 above and beyond the maximum amount.

You are always 100% vested in your own contributions and associated

earnings in your 401(k) account.

Auto-Enrollment: GKN recognizes how important it is for employees to

save for retirement. Therefore, if no election in the traditional 401(k) plan

is made within thirty (30) days of hire, GKN will automatically enroll you

into the plan with a 3% deferral rate. In addition to helping you reduce

your taxable income, GKN will match a portion of the contributions you

make to your 401(k) account: GKN will match 100% of the first 1% of

eligible compensation you contribute to the 401(k) plan; then, GKN

will match 50% of the next 5% of your contributions. This means that if

you contribute 6% or more of your eligible compensation to the 401(k)

plan, you will be eligible for the maximum match of 3.5%.1 Employer

contributions and any associated earnings made after January 1, 2015,

vest after two (2) years.2 This means that if you leave the company before

being fully vested, you would lose any company contributions and

associated earnings in your 401(k) account.

Investment Options: An important feature of the GKN 401(k) plan is the

choice of investing in a variety of funds. Choosing an investment mix that’s

tailored to your specific goals and time frame might just be the most

important decision you make when it comes to preparing for a secure

retirement. Some plan participants are comfortable making investments

on their own within the core lineup of assets while others prefer to

delegate the task. Goalmaker,® a powerful asset allocation program

offered through Prudential at no additional cost, helps you by offering

diversified model portfolios based on your comfortable level of risk and

your estimated age at retirement. In addition, Goalmaker® periodically

AUTO-REBALANCES your portfolio so the amount you have invested in

different assets will maintain your initial allocation selections. And, over

time, the allocations move toward more secure investments, such as bonds

or cash, as your retirement gets closer. Goalmaker® is also designated

as the 401(k) plan’s “qualified default investment alternative,” or QDIA.

This means that any amounts contributed to your 401(k) plan account

through automatic enrollment will be invested in Goalmaker,® assuming

a retirement age for you of 65. It’s important to keep in mind that your

401(k) account will fluctuate with the market. That’s because all of the

Goalmaker® model portfolios are designed to optimize returns over a

lifetime and do include investments in equities to some degree.

1 Please note: Catch-up contributions are ineligible for matching contributions.2 Employer contributions and associated earnings made before January 1, 2015, vest after three (3)

years.

QUESTIONS ABOUT THE 401(K) PLAN?• Call Prudential at 1-877-778-2100.

• Online access at prudential.com/online/retirement.

• For retirement readiness solutions visit www.preparewithpru.com.

WORK/LIFE

Employee Assistance (EAP)The Employee Assistance Program (EAP) is designed to help employees

and their families deal with difficult life issues. GKN values its employees

and has made the EAP available to all employees and their families to

enhance their lives personally and professionally. The EAP is available to

take your calls 24 hours a day, seven days a week. The EAP is staffed by

practitioners who are there to help improve the abilities of you and your

family to successfully respond to life’s challenges when needed.

Counseling Services Available The EAP provides confidential short-term counseling services as well as

referral services for issues that are having an impact on you or your family.

The EAP is a self-referral program. You or your family member may contact

the EAP directly. Issues addressed by the EAP include:

• Life changes – divorce, parenting, new job, new baby, aging parents,

grief and loss, retirement

• Life challenges – addiction (alcohol, substances, gambling, shopping),

depression, chronic illness, eating disorders, debt & credit counseling,

mental illness, PTSD, legal issues

• Job performance – communication/skill development, stress, burnout

• Coping with difficult situations or difficult people

The Counselor will discuss your specific issues. Your discussion with the

Counselor will be private and confidential. The EAP will not report the

details of your sessions to GKN. Your concerns may be handled either by

phone or by personal appointment (on or off your worksite) or they will

refer you on to appropriate community resources, counselors or other

support. The purpose of an EAP intervention is to explore your concerns,

discuss options and develop a personal plan of action.

Video counseling available: Using the Internet, you can talk with a

counselor via any desktop computer, tablet or smartphone that has video

capabilities. When you call the EAP, a counselor will address the specific

details of your technology access. You will receive an email with a link to

connect you to a counselor by video at your session’s scheduled time.

The EAP assessments, short-term counseling, and follow-up conversations

(conducted by the EAP counselor) are provided at NO CHARGE to you or

members of your household. Referrals for mental health treatment and

other services are the financial responsibility of the employee. However, if

you are referred out for further services, you can work with the EAP to

ensure that the referral is to a counselor or facility that accepts your health

insurance and the services are a covered benefit.

Online Resources AvailableAchieve Solutions® is on online resource that can be used to locate service

providers in your area, research a health topic, or find tips to better your

life. Visit the Achieve Solutions® website at achievesolutions.net/gkn to

locate service providers in your area and to access thousands of articles,

videos, audio files and quizzes to help make your life better. The site is

available in English and Spanish.

The EAP is administered by Beacon Health Options (formerly Value

Options).

QUESTIONS?• Contact Beacon Health Options at 1-866-756-6255

or visit achievesolutions.net/gkn.


Have a smart phone or tablet? Use your smartphone or tablet to access

your retirement account. Just type “Prudential.com/online/retirement” in

your mobile browser.

Have a 401(k) at a former employer? Consider rolling your retirement

savings over to GKN’s 401(k) plan. That way, you’ll get the convenience of

having all your retirement savings in one place:

Invest in GKN with ADRsThe GKN American Depositary Receipts (ADR) Purchase Plan provides a

convenient and economical way for any employee in the United States to

invest in GKN and an opportunity to participate in the value they help

create. The Plan, administered by Computershare, provides for the

purchase of GKN ADRs through regular payroll deductions. ADRs are

U.S. securities representing ownership of shares in a non-U.S. company.

ADRs are issued by a U.S. bank, which holds the underlying shares in

custody. ADRs are priced in U.S. dollars and any dividends are paid in

U.S. dollars. In the case of GKN, GKN plc ordinary shares, purchased on the

London Stock Exchange, are deposited with Computershare, which then

issues GKN ADRs. Each GKN ADR represents the ownership of one GKN

ordinary share.

ADRs can be elected at any time on the GKN Benefits Service Center portal

at gkn.benefitsnow.com. Elections are made in monthly amounts and are

subject to restrictions. Your elected amount will be deducted on a post-tax

basis from your paycheck each pay period. Please note: Due to processing

time required, ADRs are actually purchased one month following the

deduction from your paycheck.

The ADR Purchase Plan is administered by Computershare.

UNDERSTANDING BENEFITS TERMS

Here are some terms and definitions that will help you understand your

coverage:

Beneficiary: The person(s) designated by an enrolled Participant/

Subscriber to receive benefits of the plan in the event of the Suscriber’s

death.

COBRA: The Consolidated Omnibus Budget Reconciliation Act allows you

and/or covered dependents to temporary continuation of medical, dental

or vision coverage beyond the date on which eligibility would normally

end, when coverage is lost due to certain qualifying events. You pay the

full amount plus a 2% administrative fee for this extended coverage.

Coinsurance or cost sharing: The cost of a medical or dental expense that

is shared between you and the plan after you pay your Deductible. For

example, GKN’s share of most medical expenses after the Deductible is

80% and your share (Coinsurance amount) is 20%.

Copay or Copayment1: The fixed-dollar amount2 the covered Member pays

for an office visit, urgent care visit, Emergency Room visit or prescription

drugs. A Copay is collected at the time of service. Copays are not credited

to the Deductible or Out-of-Pocket maximum. The remaining cost is

covered by the plan through the Deductible or Coinsurance.

Deductible (medical and dental plans only): The amount of money you

must pay toward medical, prescription drug or dental expenses each year

before medical, drug or dental benefits are covered by cost sharing, in

most cases. After you have paid your Deductible, future expenses are

covered at the Coinsurance amount. You can submit claims for reimburse-

ment of the Deductible, Coinsurance amounts, or Copayments, through a

Healthcare Flexible Spending Account (the Basic Plan and dental plan) or

Health Savings Account (Value Saver plans and dental plan).

Health Insurance Portability and Accountability Act (HIPAA): A federal law

that: limits pre-existing condition exclusions, permits special enrollment

when certain life or work events occur, and prohibits discrimination against

employees and dependents based on their health status.

In-Network: An In-Network provider is one which has contracted with the

insurance carrier (e.g. Highmark, UCCI, or VSP) for reimbursement at a

negotiated, or Reasonable and Customary, rate. The network includes

healthcare providers like primary care physicians, dentists, optometrists,

specialty physicians, labs, X-Ray facilities, home healthcare companies,

hospice, medical equipment providers, infusion centers, chiropractors,

podiatrists and same-day surgery centers. It’s best to use In-Network

providers when possible as these providers have met the insurance

carrier’s quality standards in addition to agreeing to their discounted rates.

In-Network providers must accept the insurance carrier’s contracted rate as

payment in full, including your share (any Coinsurance, after Deductible),

and cannot bill you beyond that.

Member: Any person enrolled in coverage under a GKN plan.

Out-of-Network: An Out-of-Network provider is one which has not

contracted with the insurance carrier (e.g. Highmark, UCCI, or VSP) for

reimbursement at a negotiated rate. The insurance carrier offers coverage

for Out-of-Network providers, but your patient responsibility is higher

than it would be if you were seeing an In-Network provider. And, Out-of-

Network providers can charge any fee they choose and can bill you for

amounts over the Reasonable and Customary reimbursable rate. However,

if there is an emergency, or you need care while out of town, any services

performed by an Out-of-Network provider will at least be partially covered

by your GKN plan.

Out-of-Pocket maximum (medical plans only): Generally, the most you

will have to spend each Plan Year for the annual Deductible and your

Coinsurance limit. Once you have met the Out-of-Pocket maximum, GKN

pays 100% of most remaining expenses for you or your dependent for the

rest of that Plan Year. However, you must continue to pay Copayments

(Basic Plan only) even after you reach the Out-of-Pocket maximum.

Participant/Subscriber: The employee of GKN who is enrolled under

the plan.

PCP/Specialist: Under the GKN medical plans, a primary care physician

(PCP) is a general or family practitioner, an internal medicine doctor or a

pediatrician.

Plan Year: The period of time the Member’s coverage is in effect. This

period of time also coincides with the employee’s Deductible and begins

each year on January 1 and ends each year on December 31. Covered

Members should consult their plan documents for details.

Reasonable and Customary fee: The lower of the actual charge for the

services or supplies, or the usual charge of most other doctors, dentists or

other providers of similar training or experience in the same geographic

area for the same or similar services or supplies.

Prescription Drug Terms:• Brand Name Medications are drugs that are patented, manufactured and

distributed by only one pharmaceutical manufacturer.

• Generic Medications are drugs that are manufactured, distributed and

available under a chemical name without patent protection. A Generic

drug must have the same active ingredient as its Brand Name counter-

part. Generic drugs typically cost less than Brand Name drugs.

• Non-Preferred or Non-Formulary Drugs are Brand Name medications

that are not on the Preferred List because there are less expensive and

more effective alternatives available.

• Preferred or Formulary Drugs: A list of drugs that are periodically

reviewed and updated by a committee of physicians, pharmacists and

other health professionals for effectiveness and cost effectiveness. All

GKN medical plans have the same Preferred drug list. Often, brand

drugs that have Generics available will not be on the Formulary list to

encourage individuals to purchase the less expensive Generic.

1 Copayments are a feature of the Basic Plan and Vision Plan only. There are no Copayments in the Value Saver plans or the Dental Plan.

2 Preventive Care visits, or ER visits which result in hospitalization, are not subject to copays.

Auto-Escalation: Another key feature of the traditional 401(k) plan that

can help you save more and reach your targeted retirement goals is

“automatic escalation,” where contribution rates automatically increase

each January by one (1) percent for an employee contributing less than

ten (10) percent of base pay into the 401(k) plan. The goal of automatic

escalation is simple: to increase the amount you contribute to your 401(k)

each year. You can change the “contribution accelerator” setting in your

401(k) account at any time to change your annual auto-escalation

percentage from anywhere between 0% and 10%.

NEW FOR 2016! After-tax Savings – Roth 401(k): Roth 401(k) contributions

are made after GKN withholds taxes, so there’s no upfront tax avoidance.

Unlike a Roth IRA, there are no contribution limits based on your income.

Because you have already paid taxes on what you contributed, you will

not owe taxes upon distribution. What is the difference between a Roth

401(k) and a traditional 401(k)? With a Roth 401(k) you pay income taxes

on contributions; with a traditional 401(k) you pay income taxes on

distributions. To avoid taxes on the earnings portion of your contributions,

you must participate in the Roth 401(k) for a minimum 5-taxable-year

period1. Please note: Employer match contributions and associated

earnings are always taxable upon distribution from your Roth 401(k).

Determining which form of 401(k) contribution is preferable for you will

require you to do some retirement planning.

Not sure if you’re ready for retirement? According to the 2015 Report on

the Economic Well-Being of U.S. Households by the Federal Reserve Board,

many U.S. households are not adequately prepared for retirement. Want

to avoid the same fate in your retirement planning? You can start by taking

a look at your numbers using the Retirement Income Calculator (RIC)

available online at prudential.com/online/retirement. Your account

information will load automatically. You can also download the RIC mobile

app from the app store using your iPhone, Android or Blackberry mobile

device. Please note: Your account information will not load to the mobile

app like it does on the Prudential website. You’ll just have to add your

information to get an accurate picture of your retirement readiness.

Feeling uncertain about retirement planning? Prudential Retirement offers

retirement readiness solutions to GKN 401(k) participants through its

Prepare with Pru website at preparewithpru.com. Visit Prepare with Pru to

watch real stories of people on their first day of retirement, explore

retirement solutions by age and life event, and connect to resources for

managing your retirement plan at work, including articles, calculators,

videos, and webinars.

QUESTIONS ABOUT ADRs?• Call Computershare at 1-800-709-4117.

• Access your account online at cpushareownerservices.com.

• To purchase ADRs, go online to the GKN Benefits Service Center at gkn.benefitsnow.com or call 1-800-861-6481.

YOU WON’T LOSE...

The contributions you’ve made

Your employer’s contributions (if you’re vested)

Earnings you’ve accumulated in your old 401(k)

1 The 5-taxable-year period of participation begins on the first day of the taxable year for which you first made designated Roth contributions to the plan. It ends when five consecutive taxable years have passed. For example, you start contributing to a Roth 401(k) on January 1, 2016; the 5-taxable-year period ends on December 31, 2020.

Your money will maintain its tax-deferred status until you withdraw it.


Women’s Health and Cancer Rights Act

Enrollment Notice Special Rights Following Mastectomy. A group health plan generally must, under federal law, make certain benefits available to participants who have undergone a mastectomy. In particular, a plan must offer mastectomy patients benefits for:

• Reconstruction of the breast on which the mastectomy has been performed;

• Surgery and reconstruction of the other breast to produce a symmetrical appearance;

• Prostheses; and

• Treatment of physical complications of mastectomy.

Our Plan complies with these requirements. Benefits for these items generally are comparable to those provided under our Plan for similar types of medical services and supplies. Of course, the extent to which any of these items is appropriate following mastectomy is a matter to be determined by consultation between the attending physician and the patient. Our Plan neither imposes penalties (for example, reducing or limiting reimbursements) nor provides incentives to induce attending providers to provide care inconsistent with these requirements.

Annual Notice Did you know that your plan, as required by the Women’s Health and Cancer Rights Act of 1998, provides benefits for mastectomy-related services including all stages of reconstruction and surgery to achieve symmetry between the breasts, prostheses, and complications resulting from a mastectomy including lymphedema? Call Highmark BCBS at 1.800.811.0291 for more information.

Newborns’ And Mothers’ Health Protection Act Notice

Group health plans and health insurance issuers generally may not, under federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a caesarean section. However, federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under federal law, require that a provider obtain authorization from the plan or the insurance issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).

Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Highmark Blue Cross Blue Shield and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.

There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage:

1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.

2. GKN North America Services, Inc. has determined that the prescription drug coverage offered by the GKN Employee Welfare Benefit Plan, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.

When Can You Join A Medicare Drug Plan? You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th.

However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.

What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan? If you decide to join a Medicare drug plan, your current Highmark Blue Cross Blue Shield coverage will be affected. Benefits for Medicare Eligible Individuals: If you continue to be actively employed by the Company after you or your Spouse reach age 65 and elect GKN medical coverage, your Highmark Blue Cross Blue Shield coverage remains in effect even though you are eligible for Medicare. Your Spouse may also continue to be covered under the Plan if he or she is eligible for Medicare. You may voluntarily elect Medicare as your primary coverage, but only if you waive all Medical Care and Prescription Drug benefits coverage under this Plan. You will not receive any compensation or other incentives for waiving Plan coverage. Integration with Medicare for Disabled Individuals and ESRD Patients: If you or a covered Dependent is entitled to Medicare benefits because of disability, the Plan is primary and Medicare is secondary as long as you remain actively employed by the Company. If you or a covered Dependent are entitled to Medicare benefits because of end stage renal disease (ESRD), the Plan will be primary for the first thirty (30) months that Medicare benefits are available because of ESRD, and Medicare will be secondary for that thirty (30) month period. However, after the end of the thirty (30) month period, Medicare will be primary and the Plan will be secondary. Only when Medicare is considered primary, consideration is given to the benefits available under Medicare when determining the benefits to be paid for your covered services. The process used in determining your medical coverage benefits under the Plan is as follows: (1) the Plan will determine what the payment for a covered benefit would be without regard to the Coordination of Benefits provisions of the Plan, and (2) the Plan will deduct from this amount the amount paid or payable by Medicare. The difference, if any, is the amount that will be paid under the Plan. If you are eligible for Medicare, the amount payable by Medicare will be deducted whether or not you have enrolled and/or received payment from Medicare.

If you do decide to join a Medicare drug plan and drop your current Highmark Blue Cross Blue Shield coverage, be aware that you and your dependents will not be able to get this coverage back.

When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan? You should also know that if you drop or lose your current coverage with Highmark Blue Cross Blue Shield and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later.

If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join.

For More Information About This Notice Or Your Current Prescription Drug Coverage… Contact the GKN Benefits Service Center at 800.861.6481 for further information. NOTE: You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through Highmark Blue Cross Blue Shield changes. You also may request a copy of this notice at any time.

For More Information About Your Options Under Medicare Prescription Drug Coverage… More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans.

For more information about Medicare prescription drug coverage: Visit www.medicare.gov

Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help.

Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.

If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778).

Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty).

Date: 9/1/2015

GKN North America Services, Inc. Plan Administrator 2200 North Opdyke Road Auburn Hills, MI 48326 248-296-7000

CMS Form 10182-CC Updated April 1, 2011

According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB control number. The valid OMB control number for this information collection is 0938-0990. The time required to complete this information collection is estimated to average 8 hours per response initially, including the time to review instructions, search existing data resources, gather the data needed, and complete and review the information collection. If you have comments concerning the accuracy of the time estimate(s) or suggestions for improving this form, please write to: CMS, 7500 Security Boulevard, Attn: PRA Reports Clearance Officer, Mail Stop C4-26-05, Baltimore, Maryland 21244-1850.

OMB 0938-0990Important Notice from GKN North America Services, Inc. About Your Prescription Drug Coverage and Medicare

CONTACTS

BENEFIT

The GKN Benefits Service Center

Medical & Rx Plans

Telemedicine

Dental Plan

Vision Plans

Flexible Spending Accounts (FSAs)

Health Savings Account (HSA)

401(k) plan

Accident Insurance

Critical Illness Insurance

Identity Theft Protection

Disability

Life Insurance & AD&D

Employee Assistance Program (EAP)

American Depositary Receipts (ADRs)

Wellness & Tobacco/Nicotine Cessation Programs

COBRA

ADMINISTRATOR

Aon Hewitt

Highmark Blue Cross Blue Shield

Teladoc

United Concordia (Alliance Provider Network)

Vision Service Plan (VSP Choice Network)

Community Eye Care (NC, SC, VA residents only)

Your Spending Account™

Highmark Blue Cross Blue Shield

Bank of America (background check)

Prudential Retirement

Allstate Benefits

InfoArmor

The Hartford

The Hartford

Beacon Health Options (formerly Value Options)

Computershare

RedBrick Health

Conexis

PHONE NUMBER

1-800-861-6481

1-800-811-0391

1-800-Teladoc (835-2362)

1-866-291-2318

1-800-877-7195

1-888-254-4290

1-800-861-6481

1-800-811-0391

1-866-228-9417 (fax)

1-877-778-2100

Claims Support: 1-800-348-4489 Customer Care Center: 1-800-521-3535

1-800-789-2720

1-800-898-2458

1-800-331-7234

1-866-756-6255

1-800-709-4117

1-855-479-7624

1-866-206-5751

WEBSITE

gkn.benefitsnow.com

highmarkbcbs.com

teladoc.com

ucci.com

vsp.com

communityeyecare.net

gkn.benefitsnow.com

highmarkbcbs.com

N/A

prudential.com/online/retirement

allstatebenefits.com

Infoarmor.com

thehartford.com

thehartford.com

achievesolutions.net/gkn

cpushareownerservices.com

gkn.redbrickhealth.com

https://mybenefits.conexis.com


If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov.

If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.

If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan.

If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272).

If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of July 31, 2015. Contact your State for more information on eligibility –

Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)

ALABAMA – Medicaid Website: www.myalhipp.com Phone: 1-855-692-5447

ALASKA – Medicaid http://health.hss.state.ak.us/dpa/programs/medicaid/ Phone (Outside of Anchorage): 1-888-318-8890 Phone (Anchorage): 907-269-6529

COLORADO – Medicaid Medicaid Website: http://www.colorado.gov/hcpf Medicaid Customer Contact Center: 1-800-221-3943

FLORIDA – Medicaid Website: http://flmedicaidtplrecovery.com/ Phone: 1-877-357-3268

GEORGIA – Medicaid Website: http://dch.georgia.gov/ Click on Programs, then Medicaid, then Health Insurance Premium Payment (HIPP) Phone: 404-656-4507

INDIANA – Medicaid Website: http://www.in.gov/fssa Phone: 1-800-889-9949

IOWA – Medicaid Website: www.dhs.state.ia.us/hipp/ Phone: 1-888-346-9562

KANSAS – Medicaid Website: http://www.kdheks.gov/hcf/ Phone: 1-800-792-4884

KENTUCKY – Medicaid Website: http://chfs.ky.gov/dms/default.htm Phone: 1-800-635-2570

LOUISIANA – Medicaid Website: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331 Phone: 1-888-695-2447

MAINE – Medicaid Website: http://www.maine.gov/dhhs/ofi/public-assistance/index.html Phone: 1-800-977-6740 TTY 1-800-977-6741

MASSACHUSETTS – Medicaid and CHIP Website: http://www.mass.gov/MassHealth Phone: 1-800-462-1120

MINNESOTA – Medicaid Website: http://www.dhs.state.mn.us/id_006254 Click on Health Care, then Medical Assistance Phone: 1-800-657-3739

MISSOURI – Medicaid Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm Phone: 573-751-2005

MONTANA – Medicaid Website: http://medicaid.mt.gov/member Phone: 1-800-694-3084

NEBRASKA – Medicaid Website: www.ACCESSNebraska.ne.gov Phone: 1-855-632-7633

NEVADA – Medicaid Medicaid Website: http://dwss.nv.gov/ Medicaid Phone: 1-800-992-0900

NEW HAMPSHIRE – Medicaid Website: http://www.dhhs.nh.gov/oii/documents/hippapp.pdf Phone: 603-271-5218

NEW JERSEY – Medicaid and CHIP Medicaid Website: http://www.state.nj.us/humanservices/dmahs/clients/medicaid/ Medicaid Phone: 609-631-2392 CHIP Website: http://www.njfamilycare.org/index.html CHIP Phone: 1-800-701-0710

NEW YORK – Medicaid Website: http://www.nyhealth.gov/health_care/medicaid/ Phone: 1-800-541-2831

NORTH CAROLINA – Medicaid Website: http://www.ncdhhs.gov/dma Phone: 919-855-4100

NORTH DAKOTA – Medicaid Website: http://www.nd.gov/dhs/services/medicalserv/medicaid/ Phone: 1-800-755-2604

OKLAHOMA – Medicaid and CHIP Website: http://www.insureoklahoma.org Phone: 1-888-365-3742

OREGON – Medicaid Website: http://www.oregonhealthykids.gov http://www.hijossaludablesoregon.gov Phone: 1-800-699-9075

PENNSYLVANIA – Medicaid Website: http://www.dhs.state.pa.us/hipp Phone: 1-800-692-7462

RHODE ISLAND – Medicaid Website: http://www.eohhs.ri.gov/ Phone: 401-462-5300

SOUTH CAROLINA – Medicaid Website: http://www.scdhhs.gov Phone: 1-888-549-0820

SOUTH DAKOTA – Medicaid Website: http://dss.sd.gov Phone: 1-888-828-0059

TEXAS – Medicaid Website: http://gethipptexas.com/ Phone: 1-800-440-0493

UTAH – Medicaid and CHIP Website: Medicaid: http://health.utah.gov/medicaid CHIP: http://health.utah.gov/chip Phone: 1-866-435-7414

VERMONT – Medicaid Website: http://www.greenmountaincare.org/ Phone: 1-800-250-8427

VIRGINIA – Medicaid and CHIP Medicaid Website: http://www.coverva.org/programs_premium_assistance.cfm Medicaid Phone: 1-800-432-5924 CHIP Website: http://www.coverva.org/programs_premium_assistance.cfm CHIP Phone: 1-855-242-8282

WASHINGTON – Medicaid Website: http://www.hca.wa.gov/medicaid/premiumpymt/pages/index.aspx Phone: 1-800-562-3022 ext. 15473

WEST VIRGINIA – Medicaid Website: http://www.dhhr.wv.gov/bms/Medicaid%20Expansion/Pages/default.aspx Phone: 1-877-598-5820, HMS Third Party Liability

WISCONSIN – Medicaid and CHIP Website: https://www.dhs.wisconsin.gov/badgercareplus/p-10095.htm Phone: 1-800-362-3002

WYOMING – Medicaid Website: https://wyequalitycare.acs-inc.com/ Phone: 307-777-7531

To see if any other states have added a premium assistance program since July 31, 2015, or for more information on special enrollment rights, contact either:

U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/ebsa 1-866-444-EBSA (3272)

U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565 OMB Control Number 1210-0137 (expires 10/31/2016)

THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT AN INDIVIDUAL MAY BE USED AND DISCLOSED AND HOW AN INDIVIDUAL CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

GKN North America Services, Inc. on behalf of itself and its affiliates (collectively, the “Plan Sponsor”) is the sponsor of the GKN Employee Welfare Benefit Plan (the “Plan”). Protecting the confidentiality of an individual’s personal medical information has always been an important priority of the Plan. The Plan has adopted policies and procedures to safeguard the privacy of an individual’s protected health information (“PHI”) and comply with the Health Insurance and Portability and Accountability Act of 1996, as amended by the Health Information Technology for Economic and Clinical Health Act, and their implementing regulations, the Standards for Privacy of Individually Identifiable Health Information (the “Privacy Rule”) and the Security Standards for the Protection of Electronic Protected Health Information (the “Security Rule”) (collectively “HIPAA”).

An individual’s PHI includes all individually identifiable health information transmitted or maintained by the Plan, regardless of form (oral, written, electronic) that relates to: (i) the past, present or future physical or mental health or condition of an individual, (ii) the provision of health care to an individual, or (iii) payment for health care received by an individual. This Notice of Privacy Practices is being provided in accordance with HIPAA. It applies to covered dependents as well as primary enrollees.

This Notice of Privacy Practices pertains only to those health care benefits under the Plan which are covered under HIPAA. To the extent that the Plan contains benefits other than those covered under HIPAA, this Notice does not apply to such benefits. Therefore, this Notice does not apply to any fully insured vision benefits, term life insurance and accidental death and dismemberment benefits, supplemental life insurance, voluntary life insurance and dependent term life insurance, long-term disability insurance, supplemental long-term disability, short-term salary continuation, travel accident insurance, dependent care assistance benefits or the non- healthcare counseling portion of employee assistance program benefits provided to an individual under the Plan.

This notice explains:

• How an individual’s PHI may be used,

• What rights an individual has regarding this information,

• Revisions to this notice; and

• Who is the Privacy Officer for the Plan.

How the Plan May Use an Individual’s PHI.

In order to manage the Plan effectively, the Plan may disclose PHI to the Plan Sponsor purposes related to the administration of the Plan. These purposes include, but are not limited to, recording annual health care elections and verifying dependent status. However, the Plan Sponsor will not use or disclose PHI maintained by the Plan for any GKN employment related functions. For a more detailed explanation of the limited ways that the Plan Sponsor may use or disclose PHI when performing the functions of Plan administration, please refer to the Plan’s HIPAA Policies and Procedures.

The Plan sometimes contracts with third-party business associates for services. The Plan may disclose PHI to its business associates so that they can perform the job the Plan has asked them to do. To protect an individual’s PHI, the Plan requires its business associates to appropriately safeguard PHI. Business associates who provide these types of services to the Plan may also use and disclose PHI to their subcontractors or agents subject to their agreement with the Plan to keep PHI confidential.

Uses and Disclosures to Carry Out Treatment, Payment and Health Care Operations. With some exceptions, HIPAA generally permits the Plan to use and disclose an individual’s PHI without the individual’s authorization only for medical treatment, to pay health care claims and for health care operations.

• Treatment: The Plan may use or disclose PHI for medical treatment. Although the Plan does not directly engage in treatment, it may use or disclose PHI to assess medical necessity and medical appropriateness of a particular treatment. For example, the Plan might disclose information about your prior prescriptions to a pharmacist to determine if a pending prescription would have an adverse reaction with prior prescriptions.

• Payment: The Plan may use or disclose PHI to pay claims for health care benefits. Payment includes, but is not limited to, determining eligibility, processing claims, making pre-certification or pre-authorization decisions, medical review, utilization review, billing, coordinating benefits, and exercising the Plan’s subrogation rights. For example, PHI may be used to pay a doctor’s bill for covered services or to reimburse an individual from his or her health care spending account.

• Health Care Operations: The Plan may use or disclose PHI to operate. This includes, but is not limited to, business management, customer service, enrollment, care management, case management, audit functions, fraud and abuse detection, due diligence, and quality assurance. For example, the Plan may review PHI to respond to an appeal from a denial of benefits or to audit the accuracy of a health care carrier’s claims processing. PHI which is genetic information may not be used for underwriting purposes.

The Plan may use PHI in order to communicate with individuals via newsletters, mailings or other means regarding treatment options, health related information, disease management programs, wellness programs or other community based initiatives in which the Plan is participating. In most circumstances, the Plan is required by law to receive an individual’s written authorization before the Plan can use or disclose PHI for marketing purposes, Under no circumstances will the Plan sell information to a third party without an individual’s written authorization and while the Plan does not intend to engage in fundraising activities, if it ever does so, individuals will be given the opportunity to opt out of the activity.

Uses and Disclosures that Require that an Individual be Given an Opportunity to Agree or Disagree Prior to the Use or Disclosure. The Plan may disclose an individual’s PHI to family members, other relatives and an individual’s close personal friends if:

• The information is directly relevant to the family or friend’s involvement with an individual’s care or payment for that care; and

• An individual has either agreed to the disclosure or has been given an opportunity to object and has not objected.

The Plan also may use an individual’s PHI to notify a family member, an individual’s Authorized Representa-tive, another person responsible for an individual’s care, or certain disaster relief agencies of an individual’s location, general condition, or death. If an individual is incapacitated, there is an emergency, or an individual otherwise does not have the opportunity to agree to or object to this use or disclosure, the Plan will do what in its judgment is in an individual’s best interest regarding such disclosure and will disclose only information that is directly relevant to the person’s involvement with an individual’s health care.

Other Permitted Uses and Disclosures. Federal regulations allow the Plan to use and disclose an individual’s PHI, without an individual’s authorization, for several additional purposes, in accordance with law:

• When permitted for purposes of public health activities, including when necessary to report product defects, to permit product recalls and to conduct post-marketing surveillance. PHI may also be used or disclosed if an individual has been exposed to a communicable disease or is at risk of spreading a disease or condition, if authorized by law.

• When authorized by law to report information about abuse, neglect or domestic violence to public authorities, if there exists a reasonable belief that an individual may be a victim of abuse, neglect or domestic violence. In such case, the Plan will promptly inform an individual that such a disclosure has been or will be made unless that notice would cause a risk of serious harm to an individual. For the purpose of reporting child abuse or neglect, it is not necessary to inform a minor that such a disclosure has been or will be made. Disclosure may generally be made to the minor’s parents or other representatives although there may be circumstances under federal or state law when the parents or other representatives may not be given access to the minor’s PHI.

• For health oversight activities authorized by law. This includes uses or disclosures in civil, administrative or criminal investigations; inspections; licensure or disciplinary actions (for example, to investigate complaints against providers); and other activities necessary for appropriate oversight of government benefit programs (for example, to investigate Medicare or Medicaid fraud).

• When required for judicial or administrative proceedings. For example, an individual’s PHI may be disclosed in response to a subpoena or discovery request provided certain conditions are met. One of those conditions is that satisfactory assurances must be given to the Plan that the requesting party has made a good faith attempt to provide written notice to an individual, and the notice provided sufficient information about the proceeding to permit an individual to raise an objection and no objections were raised or objections were resolved in favor of disclosure by the court or tribunal.

• When required for law enforcement purposes (for example, to report certain types of wounds).

• For law enforcement purposes, including for the purpose of identifying or locating a suspect, fugitive, material witness or missing person. Also, when disclosing information about an individual who is or is suspected to be a victim of a crime but only if the individual agrees to the disclosure or the Plan is unable to obtain the individual’s agreement because of emergency circumstances. Furthermore, the law enforcement official must represent that the information is not intended to be used against the individual, the immediate law enforcement activity would be materially and adversely affected by waiting to obtain the individual’s agreement and disclosure is in the best interest of the individual as determined by the exercise of the Plan’s best judgment.

• When required to be given to a coroner or medical examiner for the purpose of identifying a deceased person, determining a cause of death or other duties as authorized by law. Also, disclosure is permitted to funeral directors, consistent with applicable law, as necessary to carry out their duties with respect to the decedent.

• For research, subject to conditions.

• When consistent with applicable law and standards of ethical conduct if the Plan, in good faith, believes the use or disclosure is necessary to prevent or lessen a serious and imminent threat to the health or safety of a person or the public and the disclosure is to a person reasonably able to prevent or lessen the threat, including the target of the threat.

• When authorized by and to the extent necessary to comply with workers’ compensation or other similar programs established by law.

• To cadaveric organ, eye or tissue donation programs.

• For specialized governmental functions (e.g., military and veteran’s activities, national security and intelligence, federal protective services, medical suitability determinations, correctional institutions and other law enforcement custodial situations).

• When otherwise required by law.

Uses and Disclosures That Require an Individual’s Written Authorization. Except as otherwise indicated in this Notice, uses and disclosures will be made only with an individual’s written authorization, subject to an individual’s right to revoke such authorization at any time. An individual’s revocation must be in writing and will not be effective if the Plan has taken action in reliance on the authorization or the authorization was obtained as a condition of obtaining coverage.

For example, an individual’s written authorization generally will be obtained before the Plan will use or disclose psychotherapy notes about an individual from an individual’s psychotherapist. Psychotherapy notes are separately filed notes about an individual’s conversations with an individual’s mental health professional during a counseling session. They do not include summary information about an individual’s mental health treatment. The Plan may use and disclose such notes when needed by the Plan to defend against litigation filed by an individual.

Required Uses and Disclosures of PHI. Use and disclosure of an individual’s PHI may be required by the Secretary of the Department of Health and Human Services (“HHS”) to investigate or determine the Plan’s or a business associate’s compliance with HIPAA.

Minimum Necessary Standard. WWhen using or disclosing PHI or when requesting PHI from another covered entity or business associate, the Plan will make reasonable efforts not to use, disclose or request more than a

GKN Employee Welfare Benefit Plan – Notice of Privacy Practices

53 GET STARTED > KEEP MOVING > NEVER QUIT

limited data set, i.e., a data set that excludes direct identifiers of an individual, to the extent practicable. In the event it is not practicable, the Plan is required to limit its disclosures to the minimum extent necessary, subject to the guidance of the Secretary of HHS on what constitutes the minimum necessary to accomplish the intended purpose of the use, disclosure or request, respectively. However, the minimum necessary standard will not apply in the following situations:

• disclosures made to an individual or pursuant to an individual’s authorization;

• disclosures to or requests by a health care provider for treatment;

• disclosures made to the Secretary of HHS;

• uses or disclosures that are required by law; and

• a use or disclosure that is required for the Plan’s compliance with legal regulations.

An Individual’s Rights Regarding PHI.

Right to Inspect and Copy PHI. An individual has a right to inspect and obtain a copy of an individual’s PHI contained in a “designated record set,” for as long as the Plan maintains the PHI, subject to certain exceptions established by law.

A “designated record set” includes the medical records and billing records about an individual maintained by or for a covered health care provider; enrollment, payment, billing, claims adjudication and case or medical management record systems maintained by or for a health plan; or other information used in whole or in part by or for a covered entity to make decisions about an individual. Information used for quality control or peer review analyses and not used to make decisions about individuals is not in the designated record set.

The requested information will be provided within 30 days if the information is maintained on site or within 60 days if the information is maintained offsite. A single 30-day extension is allowed if the Plan is unable to comply with the deadline and an individual is provided with a notice of the reasons for the delay and the date by which the Plan will complete action on an individual’s request.

Requests for access to PHI should be made to the Privacy Officer designated below. An individual or an individual’s Authorized Representative will be required to complete a form to request access to the PHI in an individual’s designated record set. The Plan may deny a request to inspect and copy PHI in certain limited circumstances. Some denials are not subject to review but some are. For denials that are subject to review, the review will be conducted by a licensed health care professional who was not directly involved in the original denial. The Plan will comply with the outcome of the review. If access is denied, an individual or an individual’s Authorized Representative will be provided with a written denial setting forth the basis for the denial, a statement of an individual’s review rights, a description of how an individual may exercise those review rights and a description of how an individual may complain to the Secretary of HHS.

If the Plan receives a request for PHI that the Plan maintains electronically, the Plan may be required to provide the individual access to the electronic information in the electronic format requested, if it is readily producible, or, if not, in a readable electronic form and format as agreed to. To the extent possible, the Plan will provide individuals an electronic copy of PHI.

Right to Request Restrictions on PHI Uses and Disclosures. An individual has the right to request a restriction or limitation on the medical information the Plan uses or discloses about an individual for treatment, payment or health care operations. If an individual paid out-of-pocket, in full, for a specific item or service, an individual has a right to request that medical information with respect to such item or service not be disclosed to the Plan for purposes of payment or health care operations and the Plan is required to honor that request. An individual also has the right to request a limit on the medical information the Plan communicates about an individual to someone who is involved in an individual’s care or the payment for an individual’s care. Except as noted above, the Plan is not required to agree to an individual’s request. An individual or an individual’s Authorized Representative will be required to complete a form to request restrictions on uses and disclosures of an individual’s PHI. If the Plan agrees to a restriction, it may terminate its agreement upon notice to the individual. The termination will only be effective for PHI created or received by the Plan after the termination.

Right to Request Confidential Communications. An individual has the right to request that the Plan communicate with an individual about medical matters in a certain way or at a certain location. For example, an individual can ask that the Plan only contact an individual at work or by-e-mail. To request confidential communications, an individual must make an individual’s request in writing to the Plan’s Privacy Officer. The Plan will not ask an individual the reason for the request. The Plan will accommodate all reasonable requests. An individual’s request must specify how or where an individual wishes to be contacted.

Notice of a Breach of Unsecured PHI. The Plan is required to notify an individual by first class mail or by e-mail (if an individual indicated a preference to receive information by e-mail), of any breaches of unsecured PHI as soon as possible, but in any event, no later than 60 days following the discovery of a breach. “Unsecured” PHI is information that is not encrypted or has not been destroyed so as to render it unusable, unreadable and undecipherable to unauthorized users. The Plan’s notice is required to include the following information:

• a brief description of the breach, including the date of the breach and the date of its discovery, if known;

• a description of the type of unsecured PHI involved in the breach;

• steps an individual should take to protect themselves from potential harm resulting from the breach;

• a brief description of the actions the Plan is taking to investigate the breach, mitigate losses and protect against further breaches;

• contact information, including a toll-free telephone number, e-mail address, web site or postal address to permit an individual to ask questions or obtain additional information.

In the event the breach involves 10 or more individuals whose contact information is out of date, the Plan will post a notice of the breach on the home page of its web site or in a major print or broadcast media. If the breach involves more than 500 individuals in the state or jurisdiction, the Plan will send notices to prominent media outlets. If the breach involves more than 500 individuals, the Plan is also required to immediately notify the Secretary of the HHS. The Plan is also required to submit an annual report to the Secretary of HHS of a breach that involves less than 500 patients during the year and will maintain a log of breaches involving less than 500 individuals.

Right to Amend PHI. An individual has the right to request the Plan to amend an individual’s PHI or a record about an individual in a designated record set for as long as the PHI is maintained in the designated record set. An individual may not amend PHI which is accurate and complete.

The Plan has 60 days after the request is made to act on the request. A single 30-day extension is allowed if the Plan is unable to comply with the deadline and an individual is provided notice of the reasons for the delay and the date by which the Plan will complete action on an individual’s request. If an individual’s request is denied in whole or part, the Plan must provide an individual with a written denial that explains the basis for the denial. An individual or an individual’s Authorized Representative may then submit a written statement disagreeing with the denial and have that statement included with any future disclosures of an individual’s PHI. An individual also may complain to the Plan or to the Secretary of HHS, as described below.

Requests for amendment of PHI in a designated record set should be made to the Privacy Officer designated below. An individual or an individual’s Authorized Representative will be required to complete a form to request amendment of the PHI in an individual’s designated record set and provide a reason to support the requested amendment.

If an individual’s request is approved, the Plan will amend an individual’s PHI and provide the amendment to those persons whom an individual identifies as needing the amendment, as well as to certain other persons who it knows have an individual’s PHI.

The Right to Receive an Accounting of PHI Disclosures. At an individual’s request, the Plan will also provide an individual with an accounting of certain disclosures by the Plan of an individual’s PHI during the six years prior to the date of an individual’s request. In the Plan’s response to an individual’s request for an accounting, the Plan is not required to list certain disclosures, including:

• disclosures made for treatment, payment and health care operations purposes or disclosures made incidental to treatment, payment and health care operations: however, if the disclosures were made through an electronic health record, an individual has the right to request an accounting of such disclosures that were made within the previous 3 years;

• disclosures made pursuant to an individual’s authorization;

• disclosures made to create a limited data set or

• disclosures made directly to an individual.

To request an accounting of disclosures, an individual must submit a request in writing to the Plan’s Privacy Officer. An individual must state a time period which may not be longer than 6 years. An individual’s request should indicate in what form an individual would like the accounting of disclosures (for example, on paper or electronically by e-mail). The first accounting of disclosures that an individual may request within any 12 month period will be free. For additional requests within the same period, the Plan may charge an individual for the reasonable costs of providing the accounting of disclosures. The Plan will notify an individual of the costs involved and an individual may choose to withdraw or modify an individual’s request at that time, before any costs are incurred. Under limited circumstances mandated by federal and state law, the Plan may temporarily deny an individual’s request for an accounting of disclosures.

If the accounting cannot be provided within 60 days, an additional 30 days is allowed if an individual is given a written statement of the reasons for the delay and the date by which the accounting will be provided.

The Right to Receive a Paper Copy of This Notice Upon Request. If an individual wishes to obtain a paper copy of this Notice of Privacy Practices, they should contact the Plan’s Privacy Officer below.

An Individual’s Right to File a Complaint With the Plan or the Secretary of HHS. If an individual believes that an individual’s privacy rights have been violated, he or she may file a written complaint to the Plan in care of the Privacy Officer designated below. An individual also may file a complaint with the Secretary of HHS.

The Plan will not retaliate against an individual for filing a complaint.

A Note About Covered Individuals.

An individual may exercise rights through an Authorized Representative.

An individual’s parent or guardian has authority to act on an individual’s behalf if the individual is an unemancipated minor, except as provided under State law.

If an individual is an adult, an individual’s Authorized Representative will be required to produce evidence of his/her authority to act on an individual’s behalf before that person will be given access to an individual’s PHI or allowed to take any action for an individual. Proof of such authority may take one of the following forms:

• a power of attorney for health care purposes, notarized by a notary public; or

• a court order of appointment of the person as the conservator or guardian of the individual.

The Plan retains discretion to deny access to any adult or minor’s PHI to provide protection to those vulnerable people who depend on others to exercise their rights under these rules and who may be subject to abuse or neglect.

Revisions to this Notice of Privacy Practices

The Plan reserves the right to change the terms of this Notice of Privacy Practices to conform to changes in HIPAA and to make the new notice provisions effective for all PHI it maintains. If this Notice of Privacy Practices is changed, an individual will receive a new notice either by electronic or paper copy.

Who is the Privacy Officer for the Plan?

If an individual has any questions regarding this Notice or the subjects addressed in it, an individual may contact the Plan’s Privacy Officer: Reward Director, North America

GKN North America Services, Inc. 2200 UNorth Opdyke Road Auburn Hills, Michigan 48326 (248) 296-7000

GET STARTED > KEEP MOVING > NEVER QUIT

Note: This brochure summarizes your benefits program. If there is a difference between the information presented here and the content of the official plan documents, the plan documents will prevail. We expect to continue the benefits program described in this brochure; however, GKN reserves the right to modify, suspend, revise and/or terminate all or part of the program at any time. Effective 1/1/2016