2012 Benefit Review

Presented by the HR Benefits Team

Eligibility

Eligible Employees: Direct full time employees Eligible Dependents: Spouse: Legally married, or legally recognized common law (certified through the court system) if you reside in a state that recognizes common law. Children: Natural children, legally adopted, stepchildren, other children for whom you have legal guardianship (grandchildren, etc.) eligible up to age 26, regardless of marital or student status dependent children of any age who are unable to support themselves due to a disability

Both Employee and Spouse Work for Mustang: You may both elect employee only coverage or one may waive coverage and be covered as a dependent. Only one employee may elect coverage for dependent children.
Approved Leave of Absence: You may be entitled to continue your group health benefits if you make required employee contributions. Contact the Benefit Team for further information.

Qualified Family Status Changes

Once enrolled in benefit plans, your elections remain in effective for the calendar year unless you experience a Qualified Status Change (QSC). It is your responsibility to notify the WG Benefits Service Center or the Benefit Team within 31 days of a QSC. If you do not notify us within 31 days of a QSC, you must wait until the next open enrollment period to make changes to your plan. Examples of Qualified Status Change events are: Marriage, divorce, legal separation, annulment, birth, adoption, placement for adoption, custody or legal guardianship of a child, death of a dependent. Termination or beginning of employment by you, your spouse or dependents that that results in an impact in your benefits (obtaining or losing coverage). Dependent satisfies or ceases to satisfy dependent eligibility requirements. A newborn child will be covered for the first 31 days of life under the medical plan. ***However, you must contact the Wood Group Benefits Service Center or the Benefit Team within
31 days of the date of birth to enroll your child or coverage will terminate at the end of the 31 day period. ***

Our plan is subject to IRS regulations under our Cafeteria plan relative to QSCs.

Employee Contributions
January 1 through December 31, 2012

Aetna Traditional POS II

Employee Only Employee + Spouse Employee + Child(ren) Employee + Family

Weekly Premium
$41.31 $100.39 $85.15 $119.77

Bi-Weekly Premium
$82.62 200.77 $170.31 $239.54 $-0$43.38 $36.92 $55.38

Aetna Value HDHP

Employee Only Employee + Spouse Employee + Child(ren) Employee + Family $-0$21.69 $18.46 $27.69

Aetna DPPO Dental

Employee Only Employee + Spouse Employee + Child(ren) Employee + Family $7.13 $16.44 $15.58 $19.65 $14.26 $32.88 $31.15 $39.30 $5.50 $8.69 $13.84 $16.07 $2.56 $4.80 $5.04 $7.75

Aetna DHMO Dental

Employee Only Employee + Spouse Employee + Child(ren) Employee + Family $2.75 $4.35 $6.92 $8.04

Eyemed Vision
Employee Only Employee + Spouse Employee + Child(ren) Employee + Family $1.28 $2.40 $2.52 $3.88

LegalEase - Prepaid Legal Plan

Employee $4.13 $8.25

Aetna Medical Plans

Traditional POS vs. Value HDHP
Traditional POS Plan Office Visit In-Network In-Network Deductible Individual/Family In-Network Out-of-Pocket Maximum Individual/Family Non-Network Deductible Individual/Family Non-Network Out-of-Pocket Maximum Individual/Family Prescription Drugs Retail Refill Allowance Traditional POS and Value HDHP(1) Generic Name Brand Preferred Name Brand - Non-Preferred $25 Primary Care/$40 Specialist $600 / $1,800 $3,000 / $6,000 $1,500 / $3,000 $9,000 / $18,000 Retail Pharmacy Up to a 30 Day Supply $10 $30 $50 Mail Order 90 Day Supply $20 $60 $100 Value High Deductible Health Plan Deductible then 20% Co-Insurance $1,800 / $3,600 $4,150 / $8,300 $3,600 / $7,200 $14,400 / $28,800 Retail Pharmacy Up to a 30 Day Supply Mail Order 90 Day Supply

Deductible then 20%

Specialty Drugs(2)
(1)

$120 Copay

Deductible then 20%

RRA (Retail Refill Allowance) applies to all maintenance drugs when not changed to the mail order program. After second re fill at retail pharmacy you will pay the corresponding Mail Order Co-pay for the 30 day prescription on the Traditional POS plan and will pay an additional 20% penalty on the Value High Deductible Health Plan.
(2)

Specialty Drugs must be purchased through Medco's specialty pharmacy, Accredo. NOTE: Value HDHP Family deductible must be met before claims are paid at 80% if you have family coverage.

Retail Refill Allowance Program For Maintenance Medications - Medco

Your cost on the Traditional POS plan: after the 2nd refill of a maintenance medication at the pharmacy you will pay the mail order co-payment rather than the retail pharmacy co-payment. Your cost on the Value HDHP: after the 2nd refill of a maintenance medication at the pharmacy if you have not met your deductible, only 80% of the cost will apply toward your deductible after the 2nd refill of a maintenance medication at the pharmacy if you have met your deductible, you will pay 40% of the cost rather than 20%. The additional 20% will not apply toward your out-of-pocket If you choose to use Medco by Mail for your long-term drugs, you will pay less for your maintenance medications. Maintenance medications are those that you take on an ongoing basis such as for high blood pressure, cholesterol, reflux, etc. You will continue to pay your participating retail pharmacy co-payment for short-term drugs you purchase at a participating retail pharmacy.

Aetna Dental PPO - New

PPO network
In-network = best benefit (network discounts) Out of Network = same benefit level no discounts Preventive Care 100% Basic Services 80% after Deductible Major Services 50% after Deductible Orthodontics 50% after Deductible (children to age 20) $50.00 individual up to $150.00 family deductible $1,500 per person annual maximum benefit $1,500 per child lifetime maximum benefit on orthodontics No prior coverage requirement for major or orthodontia benefits

Aetna DHMO Dental

HMO-style benefit. You must select an Aetna primary care dentist for each enrolled family member. Specialist care will be arranged by referral from primary care dentist. No maximum annual limit or waiting period. Co-pays and scheduled fee structure for covered services. Adult and dependent child coverage for orthodontics. DHMO available in California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Massachusetts, New York, New Jersey, Oklahoma, Pennsylvania, Tennessee, Texas and Virginia.

**** Please make sure you have a DHMO provider in your area, PRIOR to electing this plan ****

Eyemed Vision Plan

Plan Provisions
Exam (every 12 months)

Member Cost (Network)

$0

Member Reimbursement (Out-Of-Network)

Up to $40

Frames (every 24 months)

80% of Balance over $125

Up to $63

Lenses (every 12 months) Single vision Bifocals Trifocals Standard Progressive Lens Options Standard Polycarbonate Standard Plastic Scratch Coating Tint UV Treatment Standard Anti-Reflective Coating Other Lens Options Contact Lenses (every 12 months) In Lieu of Glasses Conventional Disposable

$0 $0 $0 $65 Copay

Up to $25 Up to $40 Up to $65 Up to $40

$40 Copay $0 $15 Copay $15 Copay $45 Copay 80% of Charge

Up to $8

85% of Balance over $125 Balance over $125

Up to $100 Up to $100

Health Saving Accounts (HSA) J.P. Morgan Chase

Tax-advantaged program to pay for qualified out-of-pocket healthcare expenses. You must be enrolled the AetnaValue HDHP. IRS Regulations state that you are not eligible to contribute to an HSA if you are enrolled in any other non-HDHP plan, including group plan with spouse, individual plans, Medicare and Medicaid plans. Maximum 2012 calendar year contributions : $3,100 individual contribution (if single coverage is elected) $6,250 family contribution (if dependent coverage is elected). $1,000 catch-up contribution if you are age 55 or older in 2012 Withdrawals are tax-free if used for qualified healthcare (medical, dental, vision) expenses. OTC medications are no longer eligible unless you have a written prescription from your physician. Funds not used within the calendar year roll over and continue to grow and are fully portable. Debit card will be issued; checks available upon request.

Funds are available as deducted each pay period and deposited into your HSA account.
May make changes to contributions during the year.

Flexible Spending Accounts Aetna

Pre-tax program you can use to pay for qualified medical, dental and vision out-of-pocket expenses. Maximum contributions: Healthcare: $5,000.00 per year Dependent Day Care: $5,000.00 per year ($2,500 if married and spouse is enrolled in FSA with his/her employer; both spouses must work or attend school to be eligible.) FSA for Healthcare is fully funded on day one of enrollment.

If enrolled in the Health Savings Account You will be eligible to elect the Limited FSA for reimbursement of qualified dental and vision out-of-pocket expenses only.
Dependent Day Care FSA funds are available as deducted each pay period and deposited to your account.

Funds not used by the end of the calendar year will be forfeited. BE CONSERVATIVE!
Participants (if not in HSA) will receive a Prescription debit card for use at retail pharmacy and mail order . A full debit card is not available. Aetna offers Streamlining which reimburses you automatically from FSA account once a claim is processed, for your out-of-pocket amount. (copayments, deductible and coinsurance) You may opt out of Streamlining and file FSA claims directly with Aetna.

Income Protection Benefits - Hartford

EMPLOYER-PROVIDED LIFE & AD&D INSURANCE BENEFITS 1 times your base pay up to a maximum of $150,000 Life amounts reduce by 35% at age 65 and by 50% at age 70

EMPLOYER-PROVIDED SALARY CONTINUATION IF DISABLED (processed through payroll) 60% of your average weekly salary up to a maximum of $300/week 7 calendar day elimination period Maximum payment duration up to 12 weeks of disability (6 weeks postpartum for maternity) Salary continuation is subject to income tax and current benefit deductions

VOLUNTARY STD BENEFITS 60% of your average weekly salary up to a maximum of $1500/week 7 calendar day elimination period Maximum payment duration up to 12 weeks of disability (6 weeks postpartum for maternity) Guarantee issue if you apply when first eligible; subject to evidence of insurability if you elect during subsequent open enrollments.

Income Protection Benefits- Hartford

LONG-TERM DISABILITY BENEFITS
Employer paid benefit 60% of your average monthly salary, up to a maximum benefit of $10,000/month Benefit Duration: If disabled prior to age 63 to normal retirement age (as determined by the Social Security Administration) or 48 months, if greater At age 63 to normal retirement age or 42 months, if greater At age 64 36 months At age 65 30 months At age 66 27 months At age 67 24 months At age 68 21 months At age 69 and over 18 months All employees will be defaulted to the Tax-free (post tax) benefits should you use this benefit. If you want to Opt Out (pay tax if you should receive LTD benefits) contact the benefit team. Pre-existing applies for conditions treated 3 months prior to your original date of disability, until you have been employed with Mustang for 12 months.

Voluntary Term Life and AD&D - Hartford

You can elect Life and AD&D, or Life Only You must elect employee Life/AD&D in order to elect spouse and/or child(ren) Life/AD&D If you are electing amounts over the Guarantee Issue shown below, you will be subject to Evidence of Insurability. There are no EOI forms to complete, you will receive a letter from Hartford by mail with instructions to complete EOI on their safe, secure website. Employee $10,000 Up to a maximum of $500,000 $5,000 Up to 100% of employee amount to a maximum of $500,000 Spouse $2,000 Up to 100% of employee amount to a maximum of $10,000 Child(ren)

Plan Highlights Coverage units Life Insurance

Guaranteed Issue Amount

$300,000

$25,000

$10,000

Accidental Death (AD&D)

Up to a maximum of $500,000

Up to 100% of the employee amount; max of $500,000

Up to $10,000

NOTE: -

If you and your spouse are both direct employees of Mustang, you may each elect voluntary employee life for yourself. Only one of you can elect child life coverage for your child(ren). Life and AD&D benefit reduces by 35% at age 65 and 50% at age 70. Hartford will cover unmarried dependent children to age 26 without being a full time student.

Long Term Care - UNUM

Long Term Care provides benefits when someone needs help with at least 2 out of the 6 Activities of Daily Living: bathing, dressing, toileting, transferring, continence, eating - or someone who has suffered a severe cognitive impairment. Care could be provided in the home, in an assisted living or residential care facility, or in a skilled nursing facility such as a nursing home. Rates are approximately 30% less than their comparable individual policy. You can purchase coverage for yourself or your spouse. Coverage is also available for purchase by your children, siblings, parents, mother and father-in-law and grandparents. Evidence of Insurability required on all participants. Contact the HR Benefit team for a detailed packet of information and enrollment forms.

*** This is not an online enrollment

ACE - Business Travel Accident (BTA) Coverage

Mustang provides Business Travel Accident (BTA) coverage at no cost to employees. The plan covers accidents and injuries that occur while traveling on business for Mustang. Coverage includes:

$100,000 Accidental Death & Dismemberment (AD&D) for employee $25,000 Accidental Death & Dismemberment for spouse on approved travel with the employee Emergency Medical Benefit up to $10,000 Emergency Medical Evacuation Benefit

For more details on this coverage you can access the Summary Plan Description on MyMustang/HR Benefits/BTA section.

Take Care Health Center Houston

Who is Eligible?
All Mustangers enrollment in Mustang medical benefit plan not required Their Spouse Their Dependents ages 2 to 26
No co-pays for work related visits. Personal visit co-pays: Direct Mustangers Center Visit $10.00 Generic Drug $10.00 Brand Name Drug $35.00 Lab Work $10.00 Preventive Care Visit $10.00 Immunizations $10.00 School and Athletics Physicals $10.00

Co-payments at the Take Care Health Center do not apply to medical plan deductibles or out-ofpocket expenses. May use your HSA debit card to pay for services.

LegalGUARD Prepaid Legal Plan

Offered by LegalEase What is LegalGUARD? Fully insured legal plan that pays for your attorney fees for over 30 different types of legal matters. You and your family can receive paid-in-full benefits in the most frequently needed areas of law. LegalGUARD has over 17,000 fully credentialed network attorneys nationwide. Who is LegalEase? Experienced provider of legal plan administrator for 39 years 12.3 million covered employees, 4,800 corporate clients Corporate headquarters in Houston Who is covered if you enroll? You and your spouse, dependent children to age 26 Your parents and your spouses elder parents Anyone for whom the employee is a legal guardian

What are some of the legal matters covered by the plan? Unlimited attorney phone consultations Simple wills, living wills, living trusts, medical power of attorney Divorce Bankruptcy, debt collections defense Civil litigation defense Identity theft assistance Real estate closing/refinancing/foreclosures Driving violation defense Tax audits
Limitations on pre-existing legal matters.

Aetna Employee Assistance Program (EAP)

Available to you and members of your household. Enrollment in the Aetna medical plan not required to use EAP benefits. Each individual eligible for EAP benefits has up to 5 visits per issue per year with a trained professional for assistance with emotional, interpersonal, financial, legal and/or substance abuse issues. Visits must be authorized by Aetna Behavioral Health. Concierge services through work/life partner, LifeCare, such as assistance with airline arrangements, location of home improvement contractors, grocery deliveries, pet walkers and sitters, personal shoppers, etc.

Aetna Health Plan Programs Wellness Works

Offers a comprehensive collection of programs, discounts, resources, and educational tools to help you and you family become healthier, safer and more productive

All employees can take advantage of: The Simple Steps To A Healthier Life online health and wellness program The Employee Assistance Program (EAP), for help with personal and work life issues

If you are enrolled in an Aetna medical plan, you have access to: Aetna Navigator , your secure member Web Site Aetna Health ConnectionsSM for help managing chronic conditions Informed Health Line, a 24-hour, toll-free health information phone line Personal Health Record, an online record of claims-based medical information Beginning Right maternity management program Discounts on health-related products and services

Beneplace Discount Program

One-stop shop online website offering discounts for Wood Group Companies Automobile and homeowners insurance Electronics, books, music, household items Hotel, vacations Entertainment venue discounts No cost to use website www.beneplace.com/woodgroup

Websites to Know
Aetna - Medical and Dental Plans www.aetna.com Provider search, claim details, FSA and HSA account information Traditional POS & Value HDHP Medical Plans Network: Aetna Choice POS II (Open Access) Dental Plan Networks: PPO (Indemnity) : Dental PPO/PDN with PPOII Network DHMO: Dental Maintenance Organization Medco Prescription Drug Plan www.medco.com Mail Order Online, pricing medications, alternatives to brand name drugs, claim history Eyemed Vision www.eyemedvisioncare.com Network - Access Provider lists and plan eligibility The Hartford Life Insurance and Will Preparation
Concierge funeral planning, beneficiary assistance, estate planning tools, legal assistance,-www.hartfordlifeconversations.com Estate Guidance service to create a simple legal Will online, step-by-step instructions www.estateguidance.com/wills (Promotional CODE: WILLHLF) EAP Aetna www.aetnaeap.com

Login: MYWDGEAP / Group # 889013 Personal counseling, financial guidance assistance, legal assistance for home buying, divorce, debt management. Beneplace-Discount Website- www.beneplace.com/woodgroup Discounts on automobile/homeownders insurance, electronics, entertainment venues, etc.

On-Line Enrollment

New Hire Enrollment Kits will be mailed to your home. Includes website information and your user name and password. Easy online enrollment instructions www.ebenefitsolutions.com/woodgroup.htm It is recommended that your election decisions are made BEFORE going on line. Knowing your options before enrolling will make your online experience as easy as 1, 2, 3! All detailed benefit plan documents can be reviewed on MyMustang/HR Houston/Benefits.

IMPORTANT REMINDER: Social Security Numbers were required by Centers for Medicare for all enrolled participants on health plans as of January 1, 2010. If any enrolled dependents do not have SSNs, claims could be delayed and/or denied until they are provided.

Who to Contact for Enrollment Assistance

For Technical Support for online enrollment website issues call Woodgroup Benefit Service Center: 1-866-449-9663 - 8:00 a.m. 5:00 p.m. CST, Monday through Friday What is my password? My password does not work. I am having problems with the enrollment site. Call to enroll rather then enrolling online.

Contact one of your HR Benefits Team Members for benefit and plan questions and for returning forms (Life Insurance and Chase Bank Beneficiary forms)
BEST option to reach the Benefit Team, Email: Benefitsgroup@mustangeng.com

Or
~ Linda Cummins - Benefits Manager : linda.cummins@mustangeng.com PH: 713-215-8179 FAX: 281-646-3179 ~ Jill Bromley - Benefits Specialist: jill.bromley@mustangeng.com PH: 281-206-6202 FAX: 281-206-1202