2017 Benefits Guide PDF

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2017 Benefits Guide © Orchard Software Corporation
Our employees are our most valuable asset….
That’s why Orchard Software is committed to a comprehensive employee benefits package that helps
employees stay healthy, feel secure, and maintain a favorable work/life balance.
Stay Healthy
 Medical, Dental, and Vision Care
 Lab Services & MRI/CT/PET
 Teladoc
 Flexible Spending Accounts
 Wellness Programs
Feeling Secure
 Life and Accidental Death & Dismemberment Insurance
 Short & Long Term Disability Insurance
 Accident and Critical Illness Insurance
 Traditional and Roth 401(k) Retirement Savings Programs
Work/Life Balance
 Employee Assistance Program
 Tickets At Work
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Contact Information
MEDICAL Page 5
Provider Name: UMR
Provider Phone Number: (800) 826-9781
Provider Web Addresses: www.umr.com
Accessing online services: Select “Members”, enter member ID, click “Go to my online services”
LAB SERVICES & MRI/CT/PET Page 8

Provider Name: UMR
Provider Web Address: www.umr.com
TELADOC Page 8
Provider Name: Teladoc
Provider Web Address: www.teladoc.com
DENTAL Page 9
Provider Name: Guardian
Provider Web Address: www.guardiananytime.com
VISION Page 10
Provider Name: VSP
Provider Web Address: www.vsp.com
FLEXIBLE SPENDING ACCOUNTS (FSA) Page 13

Provider Name: UMR
Provider Web Address: www.umr.com
DISABILITY INSURANCE Page 14

LIFE & AD&D INSURANCE Page 15

ACCIDENT INSURANCE Page 16

CRITICAL ILLNESS INSURANCE Page 17

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WILLPREP SERVICES Page 18
Provider Web Address: www.ibhwillprep.com
Accessing online services: User Name: WillPrep; Password: GLIC09
WELLNESS Page 19
EMPLOYEE ASSISTANCE PROGRAM (EAP) Page 20

Provider Name: ESI
Provider Web Address: www.theeap.com
401(K) RETIRMENET SAVINGS PLAN Page 21

Provider Name: John Hancock, Plan #98404, Enrollment #317135
Provider Web Address: www.jhpensions.com
401(K) COMPANY CONTRIBUTION Page 23
TICKETS AT WORK Page 24
SPECIAL ENROLLMENT NOTICE Page 26
GLOSSARY Page 27
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Medical Insurance
All full time employees are eligible to participate in the Orchard Software health insurance plan
immediately upon hire.
The medical insurance plan provides comprehensive coverage for a wide range of medical services,
including but not limited to, physician office visits, maternity care, hospitalization, diagnostic testing,
preventive and well child care, and emergency and urgent care services. The medical insurance plan
also provides prescription drug coverage. Health insurance is provided through UMR, a United
Healthcare Company, using the Choice Plus provider network.
Eligible employees have a choice of two health insurance plan options. The Regular Plan features
lower out-of-pocket costs when utilized. The High Deductible plan features higher out-of-pocket
costs but lower employee premiums. The benefits and exclusions are exactly the same between
both plans.
Regular Plan Employee Premium Cost (payroll deducted 2x per month):

Employee Employee + Employee + Employee +
Coverage Level
Only Spouse Child(ren) Family
Cost Per Pay $33.00 $139.50 $112.00 $240.00
Orchard Contribution
$280.19 $471.22 $451.75 $652.60
Per Pay
High Deductible Plan Employee Premium Cost (payroll deducted 2x per month):
Coverage Level
Cost Per Pay $10.00 $85.00 $62.50 $165.00
$276.93 $474.51 $453.98 652.75
Per Pay
Web Address: www.umr.com

Phone Number: (800) 826-9781
Plan Number: 76412346
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Health Plan Regular PPO Plan High Deductible PPO Plan
Feature In-Network Out-of-Network In-Network Out-of-Network
Deductible $500 individual $1,000 individual $1,500 individual $3,000 individual

(per calendar year) $1,500 family $3,000 family $4,500 family $9,000 family
Coinsurance 80% 60% 80% 60%
Out-of-Pocket $2,000 individual. $4,000 individual $4,500 individual $9,000 individual

Maximum $4,000 family $8,000 family $9,000 family $18,000 family
60% after 60% after
Office Visit $20 copay $25 copay
deductible deductible
$100 copay, then $100 copay, then $100 copay, then $100 copay, then
Emergency Room 80% (co-pay 80% (co-pay 80% (co-pay 80% (co-pay
waived if admitted) waived if admitted) waived if admitted) waived if admitted)
80% after 60% after 80%(after 60% after
Home Health Care
deductible deductible deductible deductible
80% after 60% after 80% after 60% after
Inpatient Hospital
80% after 60%(after 80% after 60% after
Maternity
Mental Health &

Substance Abuse
Inpatient & 80% after 60% after 80% after 60% after
Outpatient deductible deductible deductible deductible
60% after 60% after
Office Visits $20 copay deductible $25 copay deductible
Outpatient Hospital 80% (after 60% (after 80% (after 60% (after
Surgical Center deductible) deductible) deductible) deductible)
Outpatient Physical,
60% (after 60% (after
Occupational, or $20 copay $25 copay
deductible) deductible)
Speech Therapy
60% (after 60% (after
Preventive Care 100% (no copay) 100% (no copay)
deductible) deductible)
Urgent Care 60% (after 60% (after
$50 copay $50 copay
Centers deductible) deductible)
80% (after 60% (after 80% (after 60% (after
X-Ray and Lab
deductible) deductible) deductible) deductible)
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High
Prescription Drug Regular PPO
Deductible Both Plans
Plan Feature Plan
PPO Plan
Retail Pharmacy (30 day supply) IN-NETWORK IN-NETWORK Out-of-Network
Generic $10 $15 Not Covered
Brand Formulary $40 $50 Not Covered
Brand Non Formulary $80 $100 Not Covered
Specialty Formulary $150 $200 Not Covered
Mail Order (90 day supply)

Generic $20 $30 Not Covered
Brand Formulary $80 $100 Not Covered
Brand Non Formulary $160 $200 Not Covered
Specialty Formulary N/A N/A
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Additional Health Insurance Benefits
Stretch your benefits dollars with these company provided programs.
LAB SERVICES
The lab services program allows you to obtain laboratory-testing services at no cost*. You will need to
search www.umr.com for in-network facilities — you pay no deductibles, no copays and no
coinsurance. This benefit applies to Non-Hospital Facilities and routine lab services only.*
*Provider collection and handling fees may apply, and are subject to health benefit plan provisions.
MRI/CT/PET*
To obtain 100% MRI/CT/PET benefits, search www.umr.com for in-network facilities. This benefit
applies to Non-Hospital Facilities and routine imaging services only.
*X-rays not included. X-Rays are subject to regular health plan provisions.
Teladoc provides access to quality, affordable and complementary healthcare anytime, anywhere.
Teladoc allows members to obtain affordable, convenient, top quality medical care and prescription
refills (when appropriate) without leaving home.
When to use Teladoc

 When you need information for non-emergency medical issues
 After-hours or on weekends and holidays, when your primary care physician is unavailable
 When you require medical advice and care, without the inconvenience of time off work
 When you need prescription medication for a common ailment or a refill*
 While traveling or on-the-go
Common Conditions Treated

 Respiratory Infections
 Allergies
 Urinary Tract Infections
 Skeletal Muscle Pain
 Minor Joint Trauma (sprains & strains)
 Back Problems (acute and chronic)
 Upset Stomach
 Arthritis Pain
 Gastro Esophageal Reflux Disease
 Consultation for International and Domestic Travel
 Immunization Planning
 Many other non-emergency illnesses
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Dental Insurance
The dental insurance plan provides coverage for preventive, basic restorative, major restorative and
orthodontic care. Dental insurance is provided by Guardian. No dental ID is required but you may
print a reference card by visiting www.guardiananytime.com. You can locate a dentist in the
Guardian network and receive the benefits below by also visiting the Guardian Anytime website.
Web Address: www.guardiananytime.com

Provider Network: DentalGuard Preferred
Phone Number: (888) 600-1600
Employee Premium Cost (payroll deducted 2x per month):
Coverage Level
Cost Per Pay $2.00 $2.50 $4.00 $5.50
$16.39 $23.98 $40.29 $55.98
Per Pay
Type of Service Amount Plan Pays

Preventive Care
 Cleaning w/Oral Exam – 2 per calendar year
 Fluoride Treatment – 1 per calendar year 100%
(under age 14 only)
 X-Rays – subject to plan limits
Basic Services
80% after deductible
 Fillings
Major Services
50% after deductible
 Bridges, Dentures, Veneers
50% after deductible ($2,000 Lifetime
Orthodontia (under age 19)
Maximum)
Calendar Year Deductibles

Individual $50.00 Family $150.00
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Vision Service Plan
The vision insurance plan provides coverage for a full range of vision services, including eye
examinations, glasses and contact lenses, and laser vision correction. Vision insurance is provided
by VSP. To find an eligible VSP provider, log on to www.vsp.com or call (800) 877-7195. There are
no out of network benefits. If you do not visit a VSP approved provider, your out-of-pocket costs are
100%. There is no vision card required, however, you may visit www.vsp.com and print a vision
reference card.
Web Address: www.vsp.com

Provider Network: VSP Signature
Phone Number: (800) 877-7195

Coverage Level
Cost Per Pay $1.25 $2.00 $2.00 $3.00
$2.64 $4.61 $4.74 $7.89
Per Pay
Type of Vision Service Coverage Amount Coverage Frequency

Exam 100% (after $20 co-pay) Every 12 Months
Lenses Covered in Full
 Single Vision, lined bifocal,
and lined trifocal lenses 100% (after $20 co-pay) Every 12 Months
 Polycarbonate lenses for
dependent children
Frames Up to $150.00 + 20% off additional costs. Every 24 Months
$135.00 allowance for contacts and the

contact lens exam (fitting and evaluation).
This additional exam ensures proper fit of
Contact Lenses your contacts. If you choose contact lenses Every 12 Months
you will be eligible for a frame 12 months from
the date the contact lenses were obtained.
(No co-pay applies.)
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Additional Vision Insurance Discounts and Savings
Glasses & Sunglasses
 Members receive an average of 30% savings on lens options such as progressives and
scratch-resistant and anti-reflective coatings.
 Members receive 20% off additional glasses and sunglasses, including lens options*
Contacts
 Members receive 15% off contact lens exam (fitting and evaluation).*
Laser Vision Correction

 Members receive an average of 15% off of the regular price or 5% off promotional prices from
contracted facilities.
 After surgery, members may use their frame allowance (if eligible) for sunglasses from any
VSP doctor.
*Available from any VSP doctor within 12 months of your last eye exam.
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Smart Ways to Save Money
Use Generic Prescriptions
Did you know that the average brand-name prescription drug costs approximately $85 more than the average
generic? If you switched just one prescription from a brand-name drug to a generic, you could save more than
$1,000 a year. Have a conversation with your physician to see if your brand-name prescription has a generic
equivalent or if there is a generic for a different drug in the same class in order to save money on your
prescriptions.
Move Down a Tier or Two for Prescriptions

Often, employer plans offer three or four copayment levels for various prescriptions. Talk to your physician
about the best medication in the lowest cost tier. The savings can be significant.
Discount Prescription Programs & Mail Order

Take advantage of any prescription drug program(s) offered by many big box retail stores such as Target®,
Meijer®, Kroger®, Wal-Mart®, Walgreens®, and other stores. Ordering prescriptions by mail can save 10–15
percent and is ideal for patients who take medication on an ongoing basis and can place orders in advance.
Take Care with Self Care

Healthy habits like exercising regularly, eating well and not smoking can increase your stamina, lighten your
mood and lower your risk for certain diseases.
Substitute your Prescription with an OTC Medication

Consult with your physician to see if you can substitute an over-the-counter (OTC) medication for your
prescription. An example would be using Prilosec OTC® to replace Nexium® or using Claritin® for Clarinex®.
These may work equally well and cost you much less money.
Is There an Alternative?
Get a second opinion for potentially expensive procedures—ask if alternatives (new medications, nonsurgical
procedures, therapies, etc.) are available. Also, call Teladoc at (877)362-8746 to talk with a doctor—it could
save you a trip to the emergency room.
Are There Any Freebies?

When prescribed a medication at the doctor’s office, ask for samples from the physician if they’re available, or
check online with the dispensing pharmaceutical company—there may be a discount coupon.
Consider Retail Clinics and Urgent Cares over Expensive ER’s

Retail clinics, such as CVS Minute Clinics, are staffed by Nurse Practitioners. These clinics do not replace the
regular care you should receive from your physician; however, they do treat patients 18 months and older for
such things as minor scrapes and adult vaccinations—and they’re typically less costly than a visit to an
emergency room.
Stay Within the Network

Make sure your physician is in your health plan’s network. Many health plans have out-of-network benefits;
however it usually costs less to use an in-network physician. Check the carrier’s website or call the number on
your benefits card to verify a physician.
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Flexible Spending Accounts (FSA)
All full time employees are eligible to participate in the Flexible Spending Account program
immediately upon hire. You must re-enroll for this benefit each year during Open Enrollment.
Health Care Reimbursement FSA
This program lets you pay for certain IRS-approved medical expenses not covered by the insurance
plan with pre-tax dollars.
Some examples of eligible expenses include:

 Co-Pays, Deductibles, Co-Insurance (applies to Medical, Rx, Dental & Vision)
 Hearing services, including hearing aids and batteries
 Vision services including contact lenses, contact lens solution, eye exams, and glasses
 Orthodontia
 Chiropractic services
You must have a prescription for over the counter medications and have those prescriptions filled by
the pharmacist in order to be reimbursed for them by the FSA.
The annual maximum amount that you can contribute to the Orchard Software Health Care FSA
program is $2,550 per calendar year.
Budget Carefully – At the end of the year, you will be allowed to carryover up to $500 of unused
health FSA funds into the following plan year. Any funds in excess of $500 will be forfeited.
Dependent Care FSA
The Dependent Care FSA lets you use pre-tax dollars towards qualified dependent care such as
caring for children under the age of 13 or caring for elders. The annual maximum amount you may
contribute to the Dependent Care FSA is $5,000 (or $2,500 if married and filing separately) per
calendar year.
Dependent care includes:

 The cost of child or adult dependent care
 The cost for an individual to provide care either in or out of your home
 Nursery schools and preschools (excluding kindergarten)
Unlike the health care FSA, dependent care FSA's are not "pre-funded"; employees will only receive
reimbursement for the amount deposited into the account as of the reimbursement date.
IRS regulations do NOT allow reimbursements for services that have not yet been provided, so even
if you pay in advance for your expenses, you can only claim service periods that have already
occurred. For example, if you are required to pay for all of January's child care expenses on January
1; you cannot claim the entire month's expense until February. Dependent Care funds do not carry
over.
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Disability Insurance
All full time employees are eligible to participate in the Disability Insurance program the first of the
month after thirty days of employment. Disability, Life, Accident, and Critical Illness insurance is
provided by Guardian.
Orchard Software offers short term disability benefits to full-time employees. In the event you
become disabled from a non-work-related injury or sickness, short term disability benefits are
available for up to 90 days after a 7 day elimination period. Pre—existing conditions may apply. Late
enrollees will be required to submit an Evidence of Insurability (EOI) form.
Orchard Software provides full-time employees with long-term disability income benefits, and pays
the full cost of this coverage. In the event you become disabled from a non-work-related injury or
sickness for longer than 90 days, disability income benefits are provided as a source of income.
Long-term Disability
Disability Benefit Short-term Disability
(company paid)
After seven (7) consecutive
After you’ve missed 90 days
Benefits Payable calendar days from the first
of work.
day off
Percentage of Income Replaced 60% 60%
Maximum Benefit $1,500/week $6,000/month
Age on January 1 25 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60+

Cost per $10 of weekly Short
$0.25 $0.308 $0.40 $0.485 $0.62 $0.72
Term Disability Benefit
Short Term Disability Cost Calculation:

*Previous Year W2 earnings $_______ ÷ 52 = Your Weekly Salary  60% = Your Weekly Benefit
Your Weekly Benefit ÷ 10 = _________  Your Age Band Rate _________ = Your Monthly Cost
**Your Monthly Cost  12 months ÷ 24 pay periods = Your Estimated Cost per Check
*New Hires - use your current annualized base salary since you will not have a previous year W2 with Orchard
**Final rates will be determined by Guardian based on the plan’s definition of compensation
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Life and AD&D Insurance
All full time employees are eligible to participate in the Life Insurance program the first of the month
after thirty days of employment.
Company Paid Basic Group Life and AD&D Insurance

Orchard Software provides full-time employees with $40,000 in Basic Life and $40,000 in Accidental
Death & Dismemberment Insurance benefits and pays the full cost of this coverage.
Employee Paid Voluntary Life Insurance

Employees who want to supplement their group life insurance benefits may purchase additional
coverage. When you enroll yourself and your dependents in this benefit, you pay the full cost through
payroll deductions. You can purchase coverage for yourself in $10,000 increments, for your spouse in
$10,000 increments, and for your dependent children in $1,000 increments. Maximum coverage is
not to exceed $500,000 for yourself and $250,000 for your spouse (may not be more than 100% of
employee amount). The maximum coverage amount for dependent children is $10,000 (may not be
more than 10% of employee amount).
Newly eligible employees electing this benefit in their new hire enrollment window can elect up to
$150,000, up to $50,000 on your spouse and $10,000 for dependent children under Guaranteed
Issue. Any amounts over these Guaranteed Issue amounts require evidence of insurability forms to
be completed.
Listed below is the cost per paycheck of employee per $10,000 of coverage.
Age 15 –24 25 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65+
Cost $0.40 $0.40 $0.50 $0.75 $0.95 $1.40 $2.55 $4.25 $6.40 $9.25
Listed below is the cost per paycheck of spousal life insurance per $10,000 of coverage.
Age 15 –24 25 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65+
Cost $0.40 $0.40 $0.50 $0.75 $0.95 $1.40 $2.55 $4.25 $6.40 $9.25
Listed below is the cost per paycheck of dependent child life insurance per $1,000 of coverage.
Coverage $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000
Cost $0.12 $0.24 $0.36 $0.48 $0.60 $0.72 $0.84 $0.96 $1.08 $1.20
AD&D Monthly Rates

Employee AD&D Spouse AD&D Child AD&D
$0.31 per $10,000 $0.31 per $10,000 $0.031 per $1,000
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Accident Insurance
All full time employees are eligible to participate in the Accident Insurance program the first of the
month after thirty days of employment.
Accident insurance is designed to help you meet the out-of-pocket expenses and extra bills that can
follow an accidental injury, whether minor or catastrophic. Benefit payments may be made for
emergency room care, physician office visits and physical therapy. In major accidents, benefits for
catastrophic accident and accidental death may be payable. The accident base plan is guaranteed
issue, so no health questions are required.
Accident Insurance Benefit Amount Paid by Plan
Accident Follow Up Treatment $50

Ambulance $100
Emergency Room Visit $150 (includes x-rays)
Up to $2,500 for closed reductions
Fractures
Up to $5,000 for open reductions
Hospital Admission
$750
(benefit paid per admission)
Hospital Intensive Care Unit
$400
(Benefit payable for up to 15 days)

Employee +
Employee Only Employee + Spouse Employee + Family
Child(ren)
$8.19 $15.60 $11.70 $19.11
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Critical Illness Insurance
All full time employees are eligible to participate in the Critical Illness Insurance program the first of
the month after thirty days of employment.
Specified Critical Illness insurance is designed to help you offset the financial effects of a catastrophic
illness with a lump sum benefit (up to $20,000) if you are diagnosed with the first occurrence of a
covered specified critical illness. Covered conditions are heart attack, stroke, major organ transplant,
permanent paralysis, end-stage renal (kidney) failure, coronary artery bypass surgery, cancer, and
carcinoma.
Newly eligible employees electing this benefit in their new hire enrollment window can elect up to
$10,000 employee and $5,000 spouse/children with no medical questions required. Any amounts
over these Guaranteed Issue amounts require evidence of insurability forms to be completed.
Covered Person Minimum Benefit Mid-Level Benefit Maximum Benefit

Amount Amount Amount
Employee $5,000 $10,000 $20,000

Spouse $2,500 $5,000 $10,000
Child $2,500 $5,000 $10,000
NON-TOBACCO RATES FOR EMPLOYEES & SPOUSES

Age as of January 1 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-99
Rate per $1,000 of

$ 0.10 $ 0.16 $ 0.26 $ 0.45 $ 0.75 $ 1.27 $ 2.04 $ 3.15 $ 4.69 $ 7.02 $ 10.16
coverage
TOBACCO RATES FOR EMPLOYEES & SPOUSES

Age as of January 1 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-99
Rate per $1,000 of

$ 0.10 $ 0.18 $ 0.31 $ 0.55 $ 1.00 $ 1.77 $ 3.21 $ 5.26 $ 8.38 $ 13.39 $ 20.31
coverage
Child Rate is $.14 per $1,000 of coverage.
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WillPrep Services
Let Your Wishes Be Known
Only you know what’s important to you. That’s why keeping an up to date will is essential to
ensuring that your assets are distributed as you intended, no matter the size of your estate.
WillPrep Services offer support and guidance to help properly prepare the documents that will
communicate how you want to preserve your family’s financial security. WillPrep has a range of
services including online planning documents, a resource library and access to professionals* to help
with issues related to:
 Advanced Health  Financial Power of  Wills and Living  Estate

Care Directives Attorney Wills Taxes
 Guardianship and  Executors &  Healthcare Power  Trusts

Conservatorship Probate of Attorney
WillPrep Services are only available to employees who have enrolled in the Voluntary Life
Plans.
For more information about WillPrep Services you may log in to the WillPrep website at
www.ibhwillprep.com
User name: WillPrep

Password: GLIC09
Or
You may call WilPrep at 1-877-433-6789
*The option of an attorney prepared will is available for a fee of $100.
WillPrep Services are provided by Integrated Behavioral Health, Inc., and its contractors. The Guardian Life Insurance Company of
America (Guardian) does not provide any part of WillPrep Services. Guardian and Orchard Software are not responsible or liable for
care or advice given by any provider or resource under the program. This information is for illustrative purposes only. It is not a
contract. Only the Administration Agreement can provide the actual terms, services, limitations and exclusions. Guardian and IBH
reserve the right to discontinue WillPrep Services at any time without notice. Legal services will not be provided in connection with or
preparation for any action against Guardian, IBH, or Orchard Software.
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Critical
Wellness Illness Insurance
Programs
Why promote Wellness at Orchard?

The mission of the Orchard Wellness Program is to educate, support, and improve the overall health
and well-being of Orchard Software employees and their families. Our Worksite Wellness culture is
focused on prevention, early detection, and the promotion of healthier lifestyles. Early detection, early
treatment, and altering behavior toward a healthier lifestyle can help you mitigate many chronic
conditions. Workplace wellness can lower health care costs, increase productivity, decrease
absenteeism and raise employee morale. Because employees spend many of their waking hours at
work, the workplace is an ideal setting to address health and wellness issues.
Workout Facility Discounts:

Monon Center Corporate Wellness Pass
 Access to a 20% Escape Pass discount for all employees.
 Access to the discount for employees families IF employee purchases discounted pass.
 Employees are eligible for referral reward guest passes for successful member referrals.
 Access to 15% “last minute” discount codes for CCPR recreation programs.
Carmel Total Fitness

 $30/month membership fee with no enrollment fee
Anytime Fitness
 10% off standard monthly dues
 50% off standard enrollment fee
Additional Wellness Initiatives:

 Onsite Yoga and Pilates classes
 Free annual flu shots for employees and their immediate family members
 Lunch & Learns
 Intranet site dedicated to Wellness
 Benefit & Wellness Fair
 Blood Drives
Employee Assistance Program Discounts (ESI)

 Free trial at LA Fitness
 Free wellness coach
 Discounted price to join Smokenders Tobacco Cessation Program
 Discounted membership at your local Jenny Craig Weight Loss Center
 Personalized Workout program through Workouts For You
 Discounted subscription to Weight Watchers Online
Contact www.theeap.com or call 1-800-252-4555 to start enjoying the wellness benefits through EAP.
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Employee Assistance Program
All Orchard Software employees and their dependents are eligible to participate in the Employee
Assistance Program (EAP) immediately upon employment. The EAP provides resources and
solutions for the problems we all encounter. The EAP benefit is designed to assist your emotional
and mental wellbeing. The completely confidential program provides work/life resources, lifestyle
benefits, career development and training benefits, information resources, and counseling services.
Employee Assistance Counseling Benefits

When you are facing a significant personal problem, you can call for assistance anytime 24 hours a
day, 7 days a week. Day or night, the ESI, Inc lines are staffed by experienced counselors with a
Master's or PH.D degree. And if a referral is needed, the ESI provider network has over 25,000
counselors available. Some of the most common issues their counselors deal with are:
 Mental and behavioral health issues
 Alcohol and substance abuse
 Loss and grief
 Family violence
 Separation or Divorce
 Stress management
Work / Life Counseling Benefits

With Work/Life Counseling Benefits, you can access expert resources to address the challenges and
concerns of daily living. Some of the most common Work/Life issues employees face are:
 Child care and daycare
 Aging issues and elder care
 Health and wellness
 Legal problems and family law
 Debt and debt restructuring
 Financial planning
 Education and tuition planning
 Real estate and tenant/landlord concerns
 Estate planning, probate and wills
Wellness Center
The Wellness Center is a comprehensive resource to help you to create an individual wellness
program. At the core of the program is an online individual health risk assessment. Members who
take the assessment can then access hundreds of wellness articles and videos, locate training
materials, and receive a complete nutrition assessment. You will also have access to a wellness
coach.
You can contact ESI, Inc. toll free at (800) 252-4555, or online at
www.theeap.com.
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401(k) Retirement Savings Plan
All employees scheduled to work at least 1000 hours annually are eligible to participate in the
Orchard Software 401(k) Retirement Savings Plan.
To help you save for retirement, Orchard Software sponsors both a traditional and a Roth 401(k)
retirement savings plan as part of its benefits package. The 401(k) is a way to financially prepare for
your future. Whatever your age, now is the time to begin saving for retirement.
Our retirement plan can be one of the best tools available to help you build your financial future.
Some of the benefits to participating are:
 Your Tax Advantage

With the traditional 401(k), your contributions are taken out of your paycheck before federal
income taxes, lowering your taxable income.
 You are in Control

You contribute as much or as little as you want (subject to plan and IRS limits) to your account.
Plus, you have the flexibility to change your contribution levels at any time.
 Time on Your Side

When it comes to investing, time is a powerful ally. Compound earnings are the growth on your
original contributions as well as the previous growth earned on those assets.
 You Can Take it with You

Even if you leave your job, your contributions and their earnings belong to you. You can transfer
them to your new employer’s retirement plan and maintain their tax deferred status.
 Easy Retirement Investing

Contributing consistently is essential to preparing for your retirement. You control your payroll
deductions directly from your paycheck, helping making this a simple and effortless process. And
since it comes off before you get paid, you may not notice the change.
 401(k) vs. Roth 401(k)

A traditional 401(k) provides for immediate tax savings as your deductions are taken on a pre-tax
basis. You pay tax when you withdrawal your funds upon retirement. Deductions for a Roth
401(k) account are taken on a post-tax basis. You pay tax now and not when you make your
retirement withdrawal.
21
Orchard Software has partnered with John Hancock to provide 401(k) services. John Hancock has
more than 100 years of leadership and experience helping millions of Americans prepare for their
financial futures.
Information at your fingertips 24 hours a day
Whether you’re interested in quick answers or educating yourself on an array of retirement and
financial planning topics, the John Hancock website has something for everyone, including:
 Access, review and manage your account
 Set and manage your retirement goal
 Create a personalized retirement plan that works for you
 Determine your risk tolerance with the Risk Quiz
 Get tips about how much to contribute
 Review your quarterly statements and newsletters
 Use interactive financial planning tools
 Learn more on the fundamentals of investing
Participating is easy with John Hancock’s Online Enrollment Experience. www.jhgoenroll.com will
help you with step-by-step enrollment. You will need your social security number, the Orchard
Software contract number (98404) and enrollment number (317135).
Account balance information is available 24 hours a day/ 7 days a week via John Hancock’s website
(www.JHancockpensions.com) or by using the toll free customer service line at (800) 395-1113.
The chart below provides the maximum elective deferral and catch-up contribution limits:
401(k) Catch-up
Year Elective Deferral (for employees who are or will be Total Contribution
age 50 or older in 2017)
2017 $18,000 $6,000 $24,000
John Hancock Retirement Plan Services (JHRPS) eDelivery

With the eDelivery service, John Hancock provides participants the option to sign up for email
notifications from JHRPS advising them when their participant statements are available and how to
view the statements on the participant website. If this option is selected, a printed version will no
longer be sent in the mail; participants will receive only the online, electronic copy of their participant
statement.
Additionally, Orchard Software has a longstanding partnership with Matthew Fox, CIMA, CFP. Matt
is a Financial Advisor and Investment Consultant with Morgan Stanley. He has many years of
experience dealing with individual 401(k) and retirement accounts. If you would like an individual
consultation, at no cost, please feel free to contact Matt.
Matthew Fox, CIMA, CFP
111 Monument Circle Ste 3100
Indianapolis, IN 46204
Direct: 317-263-8723
cmatthew.fox@morganstanley.com
22
401) Retirement
401(k) Companyn Contribution
For every dollar the employee contributes, Orchard Software will match in some way.
Q. What type of company contribution is this?

A. It’s called a discretionary company contribution.
Q. What is the frequency of the company contribution?

A. Planned to occur annually.
Q. When will the contribution be made?

A. In January following the close of the plan year (ex. contribution made in January 2016 for the 2015
plan year).
Q. Is the company contribution in addition to my employee deferral limits?

A. Yes. The company contribution is over-and-above your employee deferral limit. In other words, if
you max out your employee deferral at the IRS limit of $18,000 or $24,000 for age 50+, the company
contribution is in addition to the $18,000 or $24,000.
Q. Which deferrals are eligible?

A. Pre-tax 401(k), After Tax Roth 401(k), Catch up contributions.
Q. Are there any requirements to fulfill to be eligible for the company contribution?
A. Yes. You must meet all of the following to be eligible:
 Actively employed on the last day of the plan year
 Worked at least 1000 hours in that plan year
 Contributed to the plan in the plan year
The plan year is January 1 – December 31.
Q. Is the company contribution vested?

A. Yes. Vesting is based on employee length of service according to the following schedule:
Over 1 year but less than 2 years 25%
Over 2 years but less than 3 years 50%
Over 3 years but less than 4 years 75%
4 years or more 100%
23
Tickets at Work
The Tickets at Work program provides Orchard Software employees with access to some of the
world’s greatest entertainment and travel discounts.
To take advantage of this program

1. Go to www.ticketsatwork.com
2. Click “Become a Member”
3. You will then be prompted to create an account with your email address and company code
4. Company code: ORCHARDSOFT
Once enrolled you will have access to discounts on hundreds of offers on:
Theme Parks Movie Theaters

 Walt Disney World  AMC Theaters
 Disneyland  Regal Entertainment
 Universal Studios  United Artists Theaters
 Six Flags
 Kings Island
Shows Attractions and More

 Las Vegas shows  Newport Aquarium (Cincinnati area)
 Broadway shows  K1 Speed
 Blue Man Group (nationwide)  Hotels
 Cirque du Soleil (nationwide)  Rental Cars
Tickets at Work is a discount service available to Orchard Software employees. Use of Tickets at Work is voluntary.
Providing this service does not imply endorsement or recommendation by Orchard Software Corporation. Orchard
Software Corporation is not responsible or liable for any service or discount offered by Tickets at Work.
24
Important Things to Remember
These items may impact your benefits coverage!
Marriage
Notify Orchard within 30 days of the event date in order to add or change coverage.
Child’s Birth/Adoption
Notify Orchard within 30 days of the birth or official adoption date to begin new dependent coverage.
Dependent Status Change

Some states may require continued coverage after an adult child’s 26 th birthday. Contact HR to
discuss your individual options.
Divorce
Notify Orchard of your change in marital status and any updated beneficiary information within 30
days.
Loss of Other Coverage

Notify Orchard within 30 days of loss of other coverage. You may have an additional opportunity to
enroll in Orchard’s plan.
Medicare Eligible
Medicare doesn’t change eligibility for your group health plan if you’re an active employee, but may
provide additional medical options. Contact HR for details.
Vacation/Business Travel
Remember to carry your medical ID card with you.
Address Change
Log in to your Paycom account and select My Information>Address and Contact Information to
update your address.
 IMPORTANT 
If you do not enroll within your eligibility window, you can NOT make
changes to your coverage until the next open enrollment period.
25
Special Enrollment Notice
If you are declining enrollment for yourself or your dependents (including your spouse)
because of other health insurance or group health plan coverage, you may be able to
enroll yourself and your dependents in this plan if you or your dependents lose eligibility
for that other coverage (or if the employer stops contributing toward your or your
dependents’ other coverage). However, you must request enrollment within 30 days
after you or your dependents’ other coverage ends (or after the employer stops
contributing toward the other coverage).
In addition, if you have a new dependent as a result of marriage, birth, adoption, or

placement for adoption, you may be able to enroll yourself and your dependents.
However, you must request enrollment within 30 days after the marriage, birth,
adoption, or placement for adoption.
Finally, you and/or your dependents may have special enrollment rights if coverage is
lost under Medicaid or a State health insurance (“SCHIP”) program, or when you and/or
your dependents gain eligibility for state premium assistance. You have 60 days from
the occurrence of one of these events to notify the company and enroll in the plan.
To request special enrollment or obtain more information, contact
Orchard Software Human Resources

hr@orchardsoft.com
800-856-1948
The information in this Benefits Summary is presented for illustrative purposes. The
text contained in this Summary was taken from various summary plan descriptions and
benefit information. While every effort was taken to accurately report your benefits,
discrepancies, or errors are always possible. In case of discrepancy between the
Benefits Summary and the actual plan documents the actual plan documents will
prevail. All information is confidential, pursuant to the Health Insurance Portability and
Accountability Act of 1996. This document is for informational purposes only and is not
to be construed as an employment agreement or contract. If you have any questions
about this summary, contact Human Resources.
26
Glossary
401(k) Plan
A 401(k) is a retirement investment account that enables eligible employees to make contributions
from their paycheck on a pre-tax basis.
Beneficiary
A person or entity named in a financial contract as the inheritor of income or property when the owner
dies.
COBRA
Consolidated Omnibus Budget Reconciliation Act -- a federal law that allows employees to continue
healthcare coverage under a company’s group plan, based on a “qualifying event” such as
termination of employment or loss of dependent status.
Co-insurance
Co-insurance is a cost-sharing feature of health insurance coverage that requires the insured to pay a
percentage of the covered services. Generally this is based on the allowed, or contracted, amount
that the insurance covers. For example - insurance pays 80% of the allowed, and the member is
responsible for the 20% balance.
Coordination of benefits
Referred to as "COB" this is the practice of coordinating the benefits between two insurance
companies so that the benefits are maximized, but not duplicated. There are industry standards on
which insurer should be “primary” (pays first) or “secondary” (pays second).
Co-pay
Co-pay is a cost-sharing feature of health insurance coverage that requires the insured to pay a fixed
amount for specific services, such as an office visit co-pay, or pharmacy co-pay.
Deductible
The amount that must be satisfied before the insurance plan provides payment. The amount that is
put toward your deductible is calculated based on the health care provider’s actual charge or the
allowed charge, whichever is less. The member is responsible for paying the charges applied to the
deductible.
EAP
Employee Assistance Program is designed to help employees manage a variety of personal issues.
ERISA
Employee Retirement Income Security Act -- a 1974 federal statute which governs self-funded
employer sponsored health plans. ERISA groups are generally exempt from state mandated health
benefits, but are subject to many federal mandates.
27
Flexible spending account (FSA)
Flexible spending accounts allow an employee to contribute a predetermined amount of pre-tax pay
to an account that can be used to pay for qualifying expenses. Depending on the type of FSA, those
expenses might include childcare or medical costs that aren't covered by health insurance. At the end
of the plan year, any unspent money in a FSA may be forfeited.
HIPAA
Health Insurance Portability & Accountability Act of 1996. The intent of HIPAA is to improve access
and “portability” of healthcare coverage. It also addresses standardized code sets for the
transmission of health insurance information and sets the standard for confidentiality by regulating the
privacy protection of patients’ identity and medical information.
In-network provider
An in-network provider is any health care provider (physician, hospital, etc.) that belongs to a health
plan's network. Using an in-network provider will usually cost members less in copayments or co-
insurance.
Out-of-network provider
An out-of-network provider is any health care provider that does not belong to our provider networks.
Members can use their benefits for out-of-network expenses, but miss out on in-network discounts.
Patient Protection and Affordable Care Act (PPACA)

Commonly called Obamacare (or the federal health care law), is a United States federal statute
signed into law by President Barack Obama on March 23, 2010.
PPO
Preferred Provider Organization - a type of health plan with a network of providers who are
"preferred", that is, a member can visit these preferred in-network physicians and does not have to
choose a primary care physician. Generally members can also visit non-preferred or out-of-network
providers, but may have to pay a higher fee or copayment.
Referral
If a PCP determines that an individual requires specialized care, the PCP may "refer" that person to
an appropriate specialist.
Roth 401(k)
A Roth 401(k) is retirement investment account that enables eligible employees to make contributions
from their paycheck on a post-tax basis.
Vested
When a benefit is vested, an employee has a right to the income from that benefit. For example,
when an employee is vested in a retirement plan, he or she rightfully owns the funds that Orchard
Software has invested in the account in his or her name and can take possession of those funds
under specified conditions.
Workers’ Compensation
An insurance policy maintained by employers to cover health care costs in the event of a work related
injury.
28

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LAB SERVICES & MRI/CT/PET Page 8

FLEXIBLE SPENDING ACCOUNTS (FSA) Page 13

DISABILITY INSURANCE Page 14

LIFE & AD&D INSURANCE Page 15

ACCIDENT INSURANCE Page 16

CRITICAL ILLNESS INSURANCE Page 17

EMPLOYEE ASSISTANCE PROGRAM (EAP) Page 20

401(K) RETIRMENET SAVINGS PLAN Page 21

401(K) COMPANY CONTRIBUTION Page 23

TICKETS AT WORK Page 24

SPECIAL ENROLLMENT NOTICE Page 26

Regular Plan Employee Premium Cost (payroll deducted 2x per month):

Web Address: www.umr.com

Deductible $500 individual $1,000 individual $1,500 individual $3,000 individual

Coinsurance 80% 60% 80% 60%

Out-of-Pocket $2,000 individual. $4,000 individual $4,500 individual $9,000 individual

Mental Health &

Mail Order (90 day supply)

When to use Teladoc

Common Conditions Treated

Web Address: www.guardiananytime.com

Type of Service Amount Plan Pays

Calendar Year Deductibles

Web Address: www.vsp.com

Employee Premium Cost (payroll deducted 2x per month):

Type of Vision Service Coverage Amount Coverage Frequency

Frames Up to $150.00 + 20% off additional costs. Every 24 Months

$135.00 allowance for contacts and the

Laser Vision Correction

Move Down a Tier or Two for Prescriptions

Discount Prescription Programs & Mail Order

Take Care with Self Care

Substitute your Prescription with an OTC Medication

Are There Any Freebies?

Consider Retail Clinics and Urgent Cares over Expensive ER’s

Stay Within the Network

Health Care Reimbursement FSA

Some examples of eligible expenses include:

Dependent Care FSA

Dependent care includes:

Age on January 1 25 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60+

Short Term Disability Cost Calculation:

Company Paid Basic Group Life and AD&D Insurance

Employee Paid Voluntary Life Insurance

AD&D Monthly Rates

Accident Insurance Benefit Amount Paid by Plan

Accident Follow Up Treatment $50

Employee Premium Cost (payroll deducted 2x per month):

Covered Person Minimum Benefit Mid-Level Benefit Maximum Benefit

Employee $5,000 $10,000 $20,000

NON-TOBACCO RATES FOR EMPLOYEES & SPOUSES

Rate per $1,000 of

TOBACCO RATES FOR EMPLOYEES & SPOUSES

Rate per $1,000 of

Child Rate is $.14 per $1,000 of coverage.

Let Your Wishes Be Known

 Advanced Health  Financial Power of  Wills and Living  Estate

 Guardianship and  Executors &  Healthcare Power  Trusts

User name: WillPrep

You may call WilPrep at 1-877-433-6789

*The option of an attorney prepared will is available for a fee of $100.

Why promote Wellness at Orchard?