You have an opportunity to enroll in, make changes to, or decline benefit coverage during Annual Enrollment. If you do not make a change by the Annual Enrollment deadline, you will receive the following default coverage:

• Your current election for medical, dental, vision, legal services coverage, and identity theft protection for yourself and enrolled dependents
• Your current life insurance elections
• If you have a Health Care or Dependent Care Flexible Spending Account (FSA), or a Health Savings Account (HSA), your contribution amount will be set to $0.00

You must choose or decline coverage within 31 days of the first day you become eligible for benefits. If you miss this enrollment deadline, you will be automatically enrolled in the following default coverage:

• Employee only medical coverage in the Aetna Consumer Choice Plan
• Life insurance coverage of one times pay at smoker rates
• No employee or family dental or vision coverage
• No participation in the Flexible Spending Accounts (FSAs) or Health Savings Account (HSA)
• No legal services or identity theft protection coverage