2023 Annual Benefits Enrollment - Teamworks.wellsfargo

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2023 Annual Benefits Enrollment Enroll October 27 – November 17

2 What’s inside 4 7 12 30 How to enroll What’s new Your benefit options MEDICAL DENTAL VISION SPENDING ACCOUNTS INCOME PROTECTION well life

3 Ready to dive in? Keeping it simple New this year, all the information and tools you need to make informed decisions are available on the 2023 Annual Benefits Enrollment site. And, once you’re ready, complete your enrollment through Workday, a platform that empowers you to take charge of your benefits enrollment. HR Services & Support offers a one-stop shop for learning about benefits. You can: Find out what’s new and changing. Get details about your benefit options. Compare plan prices and costs. Access ALEX to model your benefits and find the best plan for you. Watch videos about Annual Benefits Enrollment, the new Workday enrollment experience, benefits that make your life easier, the narrow network plans, and more! Register for an upcoming benefits webinar.

How to enroll How to enroll Start enrolling through Workday on October 27. What’s new Your benefit options well life 4

How to enroll Ready? Before you enroll: Add or update dependents. Before you enroll in your benefits, you must add any new dependents through Workday. Learn more about dependent eligibility requirements. Watch a video about the new enrollment experience. Go! Enrolling in benefits: 1 2 3 Go to Workday. On the homepage under Awaiting Your Action, or in your Workday inbox, select Open Enrollment Change. Make your benefit elections. For each plan, you can elect or waive coverage. Follow the on-screen instructions to save your elections. Submit your elections. When you finish your elections, click Review and Sign, accept the terms of the electronic signature, and click Submit. To see, save, or print your elections, click View 2023 Benefits Statement. If you need to make changes after submitting your elections and before the November 17 deadline, use the global navigation or the View All Apps link to open the Benefits app. In the app, select the Change Open Enrollment button to reopen your enrollment. What’s new Your benefit options well life A FEW IMPORTANT REMINDERS Enrollment must be completed through Workday this year. Submit your enrollment elections from October 27 to November 17, 2022, by 11:59 p.m. CT. You must reenroll in flexible spending accounts and elect health savings account payroll contributions each year to participate. 5

How to enroll What’s new Your benefit options well life 6 Then what? After you enroll: Verify your dependents. If you add a new dependent during enrollment, you need to provide documentation to confirm their eligibility after Annual Benefits Enrollment ends. Look for a letter in the mail in January with further instructions. Provide Evidence of Insurability (EOI). If you increase your life insurance coverage during enrollment, you may be required to provide EOI, which MetLife calls a Statement of Health. Look for a Workday Inbox message on November 18 with instructions to complete this process. Need help? If you have questions or need assistance completing your enrollment, contact the Annual Benefits Enrollment Call Center. Beginning October 19, support is available Monday through Friday, from 7:00 a.m. – 7:00 p.m. CT. All relay service calls, including 711, are accepted. Annual Benefits Enrollment Call Center 1-877-HRWELLS 1-877-479-3557 options 7, 3

How to enroll What’s new We’re making some important changes for 2023. What’s new Your benefit options well life 7

How to enroll LOOKING FORWARD Annual Benefits Enrollment is your once-a-year opportunity to take a fresh look at and enroll in your Wells Fargo benefits. Whether you’re seeking medical care, interested in dental coverage, or would like additional life insurance, you and your family can live healthier with Wells Fargo benefits. What’s new Your benefit options Medical plans Tobacco surcharge Employees who use tobacco products will be charged a tobacco surcharge of 600 annually (approximately 23.08 per pay check) on their 2023 Wells Fargo medical premiums.1 To learn more about the tobacco surcharge and how to avoid it, visit HR Services & Support. Expanded visits for certain therapy services In all medical plans except Kaiser, coverage for certain in-network outpatient therapy services, such as physical therapy, occupational therapy, and speech therapy, are no longer subject to a 90-visit-per-year limit. 1. Flex HDHP and UHC Global plan participants are excluded from this surcharge. well life 8

How to enroll What’s new Your benefit options well life 9 GET MORE INFORMATION Medical plans Medical plan design and rate changes Health care costs continue to rise nationwide. We’ve taken steps to minimize these increases and are continuing to cover the majority of the cost of health care coverage for you and your family. However, after several years of few medical plan changes, medical plan rates are increasing and some medical plans will have higher annual deductibles, out-of-pocket maximums, office visit copays, and prescription copays. Be sure to take advantage of smart savings options, like earning health and wellness dollars, to pay for eligible health care expenses and out-of-pocket costs throughout the year. And take the time to compare your medical plans and use ALEX to find the right plan that offers the most cost-effective coverage for you and your family. about enrollment and the 2023 changes, by visiting HR Services & Support. Updated compensation category bands The medical premiums you pay depend on your compensation category. Our compensation categories are changing for 2023. If you’re affected by this change, you’ll receive an email with more information.

How to enroll What’s new Your benefit options well life 10 Other changes Prescription drugs in non-Kaiser plans To save you time on picking up prescriptions (and money filling them!), you must order a 90-day supply of your prescription for a chronic or long-term condition at CVS or Walgreens pharmacies or through Express Scripts Home Delivery. The 90-day prescription supply will generally cost you less. With this change, you should always have a supply on hand of the medications you need. Vision plan We’re proud to offer a vision plan that offers coverage for preventive care, eye exams, and prescription eyewear. And the Vision Service Plan (VSP) is getting even better. Starting January 1, 2023, Walmart will be an in-network provider with a special 95 in-network frame allowance. Health savings account (HSA) The IRS annual HSA contribution limits are increasing! You can contribute up to 3,850 if you have self-only coverage and 7,750 if you and your eligible dependents are covered. Remember to elect your HSA contribution amount during Annual Benefits Enrollment if you want to contribute through payroll deductions in 2023.

How to enroll What’s new Your benefit options well life 11 Other changes Health care flexible spending account (FSA) Health and wellness dollars New tobacco use definition The IRS annual contribution limit for an FSA is increasing! You can make before-tax payroll contributions, up to 2,850 annually, to pay for eligible expenses (up from 2,750 in 2022). In 2023, you can complete certain activities to earn health and wellness dollars for your health reimbursement account (HRA) or HSA if you’re enrolled in certain medical plan options to help pay for eligible health care expenses: The tobacco use definition that impacts life insurance, critical illness, and now medical premiums is changing. The new definition is current use of any tobacco products, including but not limited to cigarettes, electronic cigarettes, cigars, pipes, or chewing tobacco. The old definition required no tobacco and/or nicotine product use during the last 12 months. YOURSELF: Up to 800 SPOUSE OR DOMESTIC PARTNER: Up to 400 (instead of 800)

How to enroll Your benefit options Let’s take a look at your choices. What’s new Your benefit options well life 12

How to enroll What’s new Your benefit options well life 13 Medical We all love options. That’s why you have a variety of health plans to choose from for the care you need. Whether you want predictable copays or the ability to save in an HSA, there’s a plan for you. And don’t forget about ALEX — an online resource that models your benefits and offers recommendations. VISIT Compare Check out the health plans on the following page and find your best fit. HR Services & Support to view the medical rates for your area.

How to enroll What’s new Your benefit options well life 14 You have multiple plan options to choose from in 2023 depending on the state of your primary residence. Claims administrator or plan vendor State Broad network medical plans Copay Plan with HRA Higher Use Plan with HSA Lower Use Plan with HSA Aetna Arizona, California, Georgia, Kansas, Maine, New Jersey, New York, Ohio, Oklahoma, Oregon, Washington, Wyoming Anthem Blue Cross Blue Shield Alabama, Alaska, Connecticut, Delaware, Idaho, Illinois, Indiana, Kentucky, Massachusetts, Michigan, Montana, Nevada, New Hampshire, North Carolina, North Dakota, Pennsylvania, Rhode Island, South Carolina, South Dakota, Texas, Vermont, Virginia, West Virginia UnitedHealthcare Arkansas, Colorado, District of Columbia, Florida, Iowa, Louisiana, Maryland, Minnesota, Mississippi, Missouri, Nebraska, New Mexico, Tennessee, Utah, Wisconsin Aetna Arizona (Phoenix and Tucson areas only), Iowa (Des Moines area, and Central and Eastern Iowa), Texas (Dallas, Fort Worth, Houston, and San Antonio areas only) Anthem Blue Cross Blue Shield Missouri (St. Louis area only), North Carolina (Charlotte area only) UnitedHealthcare Illinois (Chicago area only), Minnesota (Minneapolis/St. Paul Metro area only) HMO — Kaiser HDHP — Kaiser (compatible with an HSA) Kaiser Permanente Available in certain locations in California, Colorado, Georgia, Maryland, Oregon, Virginia, Washington, and the District of Columbia POS Kaiser Added Choice — Hawaii Kaiser Permanente Hawaii Narrow network medical plans Narrow Network Copay Plan Narrow Network Plan with HSA Kaiser medical plans1 1. These plans are fully insured medical plans under the Wells Fargo & Company Health Plan. The benefits described in this guide don’t apply to them. The descriptions of plan benefits for these plans will be sent to you by the applicable insurer if you enroll in the applicable plan, and you can also find information about these plans in the Summaries of Benefits and Coverage and Plan Comparison charts found on HR Services & Support. The information that comprises the complete Summary Plan Description for the applicable plan is noted in the Benefits Book.

How to enroll What’s new Your benefit options well life 15 What you pay for in-network care1 Broad network plans You have a choice of three broad network medical plans offered nationally. Lower Use Plan with HSA2 Higher Use Plan with HSA2 Copay Plan with HRA You 3,000 2,250 1,250 You spouse/domestic partner 4,800 3,600 2,000 You children3 3,900 3,150 1,700 You spouse/domestic partner children3 5,700 4,275 2,375 You 5,250 3,750 3,750 You spouse/domestic partner 8,400 6,000 6,000 You children3 6,825 4,875 4,875 You spouse/domestic partner children3 9,975 7,125 7,125 0 0 0 Primary care office visit7 20% after annual deductible 20% after annual deductible 30 Telemedicine/virtual visit8 20% after annual deductible 20% after annual deductible 10 Annual deductible Out-of-pocket maximum5 Cost of care Preventive care6 CONTINUED

How to enroll What’s new Your benefit options Lower Use Plan with HSA2 Higher Use Plan with HSA2 Copay Plan with HRA Specialist7 20% after annual deductible 20% after annual deductible 50 Emergency room4 20% after annual deductible 20% after annual deductible 20% after annual deductible well life 16 Prescriptions Non-specialty (30-day supply) Preventive drugs aren’t subject to the annual deductible and copays. You pay the copay for all other drugs after reaching the annual deductible. The annual deductible doesn’t apply. Generic: 12 Generic: 12 Generic: 12 Preferred brand: 50 Preferred brand: 50 Preferred brand: 50 Non-preferred brand: 90 Non-preferred brand: 90 Non-preferred brand: 90 Specialty (30-day supply) Preventive drugs aren’t subject to the annual deductible and copays. You pay the copay for all other drugs after reaching the annual deductible. The annual deductible doesn’t apply. Generic: 50 Generic: 50 Generic: 50 Preferred brand: 95 Preferred brand: 95 Preferred brand: 95 Non-preferred brand: 145 Non-preferred brand: 145 Non-preferred brand: 145 1. In-network values also include Out of Area coverage. Out of Area coverage is available only if you don’t live in the network area. 2. An HSA is an individually owned account. It’s not part of any employee benefit plan sponsored or maintained by Wells Fargo & Company or any of its subsidiaries or affiliates, and is not subject to the Employee Retirement Income Security Act of 1974, as amended (ERISA). 3. Includes domestic partner’s children 4. Emergency care services are covered when received from out-of-network providers. 5. No one individual will need to pay more than 9,100 in eligible medical and prescription drug expenses for annual out-of-pocket maximum. 6. For information on eligible preventive care services, see the Preventive care services (eligible preventive care services) section in Chapter 2 of the Benefits Book. GET THE DETAILS ABOUT the HSA. 7. The copay applies to the eligible expense for the office visit charge. The copay doesn’t apply to other services and supplies you may receive in connection with your office visit, including but not limited to diagnostic services, surgical services, or services performed by another physician or specialist brought into the office visit to examine, diagnose, or provide you with treatment, even if those services are performed within the examination room or the facility. If you receive other services or supplies during your office visit, those charges may be billed separately from the office visit charge, and the applicable annual deductible and coinsurance will apply to eligible expenses for covered health services. 8. The certain in-network telemedicine or virtual visit providers in this section, as of publication are: Aetna — Teladoc; Anthem LiveHealth Online; UnitedHealthcare — Amwell, Doctor on Demand, Optum Virtual Care, or Teladoc. Contact your claims administrator to verify coverage. All are subject to change at any time by the claims administrator. If you consult with a provider online or by phone that is not associated with one of these providers, the in-network copay will be 30 for primary care or 50 for a specialist.

How to enroll What’s new Your benefit options well life 17 Narrow network and Kaiser plans Depending on your location (primary residence), you may also have the option to enroll in a narrow network medical plan or a Kaiser medical plan. Narrow Network Copay Plan Narrow Network Plan with HSA1 HMO — Kaiser HDHP — Kaiser You 500 1,500 500 1,500 You spouse/domestic partner 800 3,000 1,000 3,000 You children2 700 3,000 1,000 3,000 1,000 3,300 1,000 3,300 You 3,000 2,500 3,000 2,500 (non CA) 3,000 (CA) You spouse/domestic partner 4,800 4,100 5,700 4,100 You children2 3,900 3,500 5,700 3,500 You spouse/domestic partner children2 5,700 5,000 5,700 5,000 Preventive care5 0 0 0 0 Primary care office visit6 30 20% after annual deductible 30 20% after annual deductible Annual deductible You spouse/domestic partner children2 Out-of-pocket maximum4 Cost of care CONTINUED

How to enroll What’s new Your benefit options well life 18 Narrow Network Copay Plan Narrow Network Plan with HSA1 HMO — Kaiser HDHP — Kaiser Telemedicine/virtual visit7 10 20% after annual deductible Contact Kaiser for details 20% after annual deductible Specialist office visit6 50 50 50 20% after annual deductible 20% after annual deductible 20% after annual deductible 20% after annual deductible 20% after annual deductible The annual deductible doesn’t apply. You pay the copay after reaching the annual deductible. The annual deductible doesn’t apply. You pay the copay after reaching the annual deductible. Emergency room3 Prescriptions Non-specialty (30-day supply) Preventive drugs aren’t subject to the annual deductible and copays. Specialty (30-day supply) Preventive drugs aren’t subject to the annual deductible and copays. Generic: 12 Generic: 12 Preferred brand: 50 Preferred brand: 50 Non-preferred brand: 90 Non-preferred brand: 90 The annual deductible doesn’t apply. You pay the copay after reaching the annual deductible. Generic: 50 Generic: 50 Preferred brand: 95 Preferred brand: 95 Non-preferred brand: 145 Non-preferred brand: 145 1. An HSA is an individually owned account. It’s not part of any employee benefit plan sponsored or maintained by Wells Fargo & Company or any of its subsidiaries or affiliates, and is not subject to the Employee Retirement Income Security Act of 1974, as amended (ERISA). 2. Includes domestic partner’s children 3. Emergency care services are covered when received from out-of-network providers. 4. No one individual will need to pay more than 8,700 in eligible medical and prescription drug expenses for annual out-of-pocket maximum. 5. For information on eligible preventive care services, see the Preventive care services (eligible preventive care services) section in Chapter 2 of the Benefits Book. Generic: 10 Preferred brand: 25 Generic: 10 Preferred brand: 45 Non-preferred brand: 75; 25 in CA Non-preferred brand: 75 The annual deductible doesn’t apply. You pay the copay after reaching the annual deductible. 75 75 6. The copay applies to the eligible expense for the office visit charge. The copay doesn’t apply to other services and supplies you may receive in connection with your office visit, including but not limited to diagnostic services, surgical services, or services performed by another physician or specialist brought into the office visit to examine, diagnose, or provide you with treatment, even if those services are performed within the examination room or the facility. If you receive other services or supplies during your office visit, those charges may be billed separately from the office visit charge, and the applicable annual deductible and coinsurance will apply to eligible expenses for covered health services. 7. The certain in-network telemedicine or virtual visit providers in this section, as of publication are: Aetna — Teladoc; Anthem LiveHealth Online; UnitedHealthcare — Amwell, Doctor on Demand, Optum Virtual Care, or Teladoc. Contact your claims administrator to verify coverage. All are subject to change at any time by the claims administrator. If you consult with a provider online or by phone that is not associated with one of these providers, the in-network copay will be 30 for primary care or 50 for a specialist.

How to enroll Dental Dental coverage is offered through Delta Dental and you have two plans to choose from. Annual deductible Annual maximum benefit options by visiting HR Services & Support. well life 19 Standard Enhanced 50 per person 50 per person 1,500 per person 2,000 per person You pay 0% You pay 0% You pay 20% You pay 30% You pay 10% You pay 20% You pay 20% You pay 10% You pay 50% You pay 40% You pay 50% 1,500 per child or adult You pay 50% 2,000 per child or adult Dental services Routine exams, cleanings, X-rays, fluoride treatments, sealants, and periodontal maintenance your dental plan Your benefit options For in-network care Diagnostic and preventive care2 Learn more about What’s new Fillings and oral surgery Fillings, simple extraction, and oral surgery in office Composite (white) fillings Endodontics and periodontics Root canals and treatment for diseased gums and tissue Major restorative services Crowns, inlays, onlays, bridgework, dentures, dental implants, prosthetics, and repairs Orthodontics For children and adults Lifetime maximum benefit1 1. Orthodontia lifetime benefit based on enrollment at time of appliance banding; only one benefit payable for both Delta Dental Standard and Delta Dental Enhanced. Benefits paid under the former Wachovia Dental Plan are considered when determining the lifetime maximum orthodontia benefit under Delta Dental Standard or Delta Dental Enhanced. 2. Includes routine exams twice per year, full-mouth, X-rays every 5 years, 1 series of bite wing X-rays every 12 months. For children under age 18, fluoride treatments once per plan year. For children under age 16, sealants for 6- and 12-year permanent molars.

How to enroll Vision Vision coverage is offered through Vision Service Plan (VSP). What’s new Your benefit options well life VSP For in-network1 care Eye exam (once per calendar year) You pay 10 Lenses (once per calendar year) You pay 15 Frames (once per calendar year) You pay 15 Plan pays 175 toward frames of your choice2 Contact lenses (once per calendar year; in lieu of glasses) Elective Medically necessary Plan pays 175 You pay 15 1. Not all listed services are available from some participating retail chains. Contact VSP for details. 2. If you purchase both frames and lenses when you buy new glasses, you pay one 15 copay. However, if you only get new frames or only get new lenses, you still pay one 15 copay. The 15 copay for frames and lenses is limited to once per calendar year, whether you purchase them separately or combined. Note: The vision plan pays 95 toward a frame of your choice at Costco or Walmart after you pay a 15 copay. Learn more about your vision plan options by visiting HR Services & Support. 20

How to enroll What’s new Your benefit options well life 21 Spending accounts Health savings account (HSA) Here’s a quick rundown of why the HSA1 might be right for you. If you enroll in the Higher Use Plan with HSA, Lower Use Plan with HSA, Narrow Network Plan with HSA, or the HDHP — Kaiser medical plan, you can enroll in an HSA through Optum Bank. 1 MONEY IN — NO TAXES1 Wells Fargo may contribute money to your HSA, and you can contribute too. All of it goes in your account, free of federal income tax. Your contributions and the company’s can’t exceed the 2023 IRS limits of 3,850 for individual coverage and 7,750 for family coverage.2 WELLS FARGO’S CONTRIBUTION TO THE HSA2 Your eligible compensation You only or you children You spouse/domestic partner or you spouse/domestic partner children Less than 48,000 500 1,000 48,000 – 100,000 250 500 More than 100,000 0 0 1. A health savings account is an individually owned account. It’s not part of any employee benefit plan sponsored or maintained by Wells Fargo & Company or any of its subsidiaries or affiliates, and it’s not subject to the Employee Retirement Income Security Act of 1974, as amended (ERISA). Tax references are at the federal level; state taxes may apply. 2. See HR Services & Support for more details on your eligibility and contributions CONTINUED

How to enroll What’s new Your benefit options well life Spending accounts Health savings account (HSA) 2 SPEND OR INVEST THOSE DOLLARS, AND STILL NO TAXES.3 Use those HSA dollars to pay for qualified medical, prescription drug, dental, and vision expenses, and you won’t get taxed when you withdraw the money either. Once your HSA balance is over 2,000, you can invest anything above that amount. All those earnings? You guessed it — tax-free. 3. Tax references are at the federal level; state taxes may apply. 3 4 EARN EVEN MORE. Learn more about Think of your HSA like your bank account. You’ll receive an Optum HSA payment card to use the funds in your account. You can use the card just like your debit card when you receive care, pay for a prescription, or buy an eligible item like sunscreen or a first aid kit. And if you choose not to use your HSA card, it’s easy to reimburse yourself from your Optum Bank account online. You and your covered spouse or domestic partner can each earn health and wellness dollars, deposited directly into your HSA, by completing certain health and wellness activities — up to 800 for you and up to 400 for your spouse or domestic partner. the HSA IT’S EASY TO USE. by visiting HR Services & Support. 22

How to enroll What’s new Your benefit options Spending accounts Health reimbursement account (HRA) The HRA is a great way to help lower your out-of-pocket medical costs by earning health and wellness dollars. You don’t contribute your own dollars to the account, but Wells Fargo can allocate funds to an HRA if you complete certain health and wellness activities. To have an HRA, you must enroll in the Copay Plan with HRA. Learn more about 1 2 IT’S EASY TO USE. EARN MONEY. You’ll receive a HealthEquity Healthcare Card. You can use the card just like your debit card to pay for eligible medical and prescription drug expenses. And if you choose not to use your HRA card, it’s easy to reimburse yourself from your account online. You and your covered spouse or domestic partner can earn health and wellness dollars, allocated directly to your HRA, by completing certain health and wellness activities — up to 800 for you and up to 400 for your spouse or domestic partner. the HRA by visiting HR Services & Support. The HRA is a notional bookkeeping entry, and no specific funds will be set aside in an account (or otherwise segregated) for purposes of funding an HRA. No interest or earnings will be credited to an HRA. Amounts allocated to an HRA are not vested and are subject to forfeiture. Wells Fargo & Company reserves the unilateral right to amend or modify the HRA at any time for any reason, with or without notice, including placing limitations or restrictions on amounts allocated to an HRA or terminating the HRA. well life 23

How to enroll What’s new Your benefit options well life Spending Accounts Health care flexible spending account (FSA) You’re eligible for the FSA if you’re enrolled in any Wells Fargo-sponsored medical plan or if you waive medical plan coverage. You must enroll in the FSA every year to participate, so be sure to make a new election during Annual Benefits Enrollment. You can enroll in either the Full-Purpose FSA or the Limited Dental/Vision FSA. If you’re enrolled in an HSA-compatible medical plan, you can enroll in the Limited Dental/Vision FSA and still be eligible to make or receive contributions in an HSA. You can make before-tax payroll contributions, up to 2,850 in 2023, to pay for eligible expenses. Any unused funds from 2022 are available during the 2023 grace period, which ends on March 15, 2023, as long as you’re enrolled on December 31, 2022. You must submit requests for reimbursement by no later than April 30, 2023. Any balance remaining at the end of the grace period is forfeited. Keep this in mind when making your 2023 FSA contribution election during Annual Benefits Enrollment. Learn more about your spending account by visiting HR Services & Support. 24

How to enroll Spending Accounts Day care flexible spending account (Day care FSA) You must have children under the age of 13 in 2023 or elderly or disabled dependents you claim as a tax dependent to be reimbursed from this account. You can make before-tax contributions up to 5,000 annually ( 2,500 if you’re a highly compensated employee) to pay for eligible day care costs like licensed day care centers or in-home providers. Any unused funds from 2022 are available during the 2023 grace period, which ends on March 15, 2023, as long as you’re enrolled on December 31, 2022. You must submit requests for reimbursement by no later than April 30, 2023. Any balance remaining at the end of the grace period is forfeited. Keep this in mind when making your 2023 Day Care FSA contribution election. Learn more about your spending account by visiting HR Services & Support. What’s new Your benefit options well life 25

How to enroll What’s new Your benefit options well life 26 Income protection When the unexpected happens, we’ve got you covered there too. Term life coverage Basic Optional1 Optional spouse/partner1 Optional dependent You’re automatically enrolled in Basic Term Life coverage of one times your covered pay (minimum of 10,000 to a maximum of 50,000) at no cost to you. You can enroll in additional life insurance from one to 10 times your covered pay, up to 3 million. You can enroll in Spouse/Partner Optional Term Life coverage in 25,000 increments, up to a total of 250,000. You can enroll in Dependent Term Life coverage with 20,000 in coverage per eligible child. 1. If you enroll in or increase your coverage, you need to submit a Statement of Health form and go through underwriting. MetLife must approve your application and you must be actively at work for coverage to take effect.

How to enroll What’s new Your benefit options well life 27 Short-Term Disability (STD) Long-Term Disability (LTD) Basic Basic Optional You’re automatically enrolled in basic STD. If you’re unable to work because of an injury or illness for more than seven consecutive days, STD provides a benefit of 65% to 100% of your covered pay (based on your years of service), up to 25 weeks. You’re automatically enrolled in basic LTD. The coverage offers a benefit of 50% of your covered pay if you’re unable to work because of an injury or illness for more than 26 weeks. You can enroll in optional Long-Term Disability for an additional benefit of 15% of your covered pay.

How to enroll What’s new Your benefit options well life 28 Accidental Death & Dismemberment Plan (AD&D) Critical Illness Insurance Plan You can enroll in AD&D coverage for financial protection in case a sudden co

Wells Fargo benefits. Whether you're seeking medical care, interested in dental coverage, or would like additional life insurance, you and your family can live healthier with Wells Fargo benefits. Medical plans. Tobacco surcharge. Employees who use tobacco products will be charged a tobacco surcharge of 600 annually (approximately 23.08

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