Administered by Aetna

Website: www.aetna.com

Phone: 877.238.6717

Elementis offers two medical plans for you to choose from:

• HDHP with HSA Plan
• PPO Plan

Employees enrolled in the Aetna medical plan have access to services including:

• Aetna Health and Wellness

• Aetna Informed Health Line

• The Health Section

• Aetna Vision Discount Vision Program

• Aetna Fitness Program

• Aetna Health Assessment

• Aetna Weight Management Discount Program

• Teledoc

• Aetna Virtual Primary Care

Learn More: Making the Most of Your Medical Benefits

HDP with HSA Plan

The HDHP is a high deductible healthplan that provides health care benefitsafter the deductible has been met. Allmedical services, with the exception ofpreventive care, are paid for by you at100%, less carrier discounts, prior tomeeting your entire annual deductible.This includes routine office visits,procedures, lab work, prescription drugs, etc.

The HSA is a bank account paired with your HDHP allowing you to set aside money on a tax-free basis to pay your out-of-pocket qualified medical, dental, and vision expenses throughout the year or in the future. You own the money in your HSA account and it is yours to keep – even when you change plans or retire. The funds roll over from year to year to be used when you really need them.

If you enroll in the HSA plan, Elementis will contribute $750 for employee-only coverage or $1,500 for Family coverage to your HSA to help pay for qualified medical expenses now and in the future. Employer contributions will be deposited on a semi-annual basis in June and December.

Click here for instructions on how to search for a provider.

PPO PLAN

A PPO plan offers the freedom to receive care from any in- or out-of-network doctor, specialist or hospital without a referral. You have a deductible to meet and once the deductible is met, coinsurance (the cost share between
you and the carrier) kicks in. The types of medical services that accumulate towards your deductible are inpatient hospital stays, outpatient surgeries, labs (blood work) and x-rays (MRIs, PET scans, CT scans, etc.).

Generally, if you go to the doctor, see a specialist, utilize the ER or take a prescription drug, you’ll pay a copay for those specific services. Copays do not accumulate towards your deductible but they do accumulate towards your overall out-of-pocket maximum.

Click here for instructions on how to search for a provider.

Administered by WEX Benefits

HSA pairs with the HDHP medical plan.

Website: www.wexinc.com

Phone: 866.451.3399

You’re eligible for a health savings account if:

• You are covered by a qualified high deductible health plan (HDHP)

• You are not covered by any other medical coverage that is not considered a qualified HDHP

• You are not enrolled in Medicare (Part A included)

• You are not claimed as a dependent on someone’s tax return

• You are not enrolled in a Medical Flexible Spending Account (your own or your spouse’s)

Advantages to having an HSA

• There’s a triple tax savings benefit as contributions are not taxed going into the account, while they sit there earning interest or when they’re taken out for a qualified medical expense

• Unused funds rollover each year with no maximum on how much you can save and accumulate over time

• The account is portable so you never have to worry about losing the money in the account should you change between plans, retire or even seek employment elsewhere

• Your HSA can be viewed as a second means of savings for your retirement

• You control your healthcare spending and choose when to use your HSA dollars and when to save them

• You become a more informed participant in your healthcare and healthcare spending

Steps to using your HSA

• Go to the doctor and present your carrier ID

• Your doctor submits your medical services to the carrier to be discounted

• Your carrier adjusts the pricing to reflect the network discounted amount for your services

• The carrier generates an Explanation of Benefits (EOB) and sends it to you

• By now you’ve received an invoice from your doctor - make sure the EOB and invoice match

• Pay your doctor directly with pre-tax dollars from your HSA or post-tax dollars from your pocket if funds are not available

Using your HSA on qualified expenses
You can use the money in your HSA to pay for qualified medical, dental and vision expenses permitted under federal tax law.

Administered by WEX Benefits

Website: www.wexinc.com

Phone: 866.451.3399

Flexible Spending Accounts (FSA) allow you to save money on a pre-tax basis to pay for qualified medical expenses and/or dependent care expenses throughout the year. The money you put into your FSA is done so on a pre-tax basis. This means you are lowering your taxable income and also not paying taxes when the money is used for qualified expenses.

Health Care FSA

You may contribute up to $3,500 per plan year to pay for qualified medical, dental and vision expenses for yourself and eligible family members. Funds in this account can cover all eligible expenses on your tax dependents even if they are not enrolled under your health care plan. Eligible reimbursable expenses include medical and dental plan deductibles and copays (if applicable), orthodontia expenses not covered by your dental plan, prescription drugs, prescription eyeglasses and contact lenses, Lasik eye surgery and much more.

Limited Purpose FSA

If you enroll in the HDHP/ HSA plan and open a health savings account, you cannot enroll in the Health Care FSA, since you’re already putting tax-free dollars aside to pay for qualified expenses. You may, however, enroll in the Limited Purpose FSA, which allows you topay for eligible out-of-pocket dental and vision expenses. You can put up to $3,500 into your Limited Purpose FSA for 2027.

Under the Health Care FSA and the Limited Purpose FSA, you are eligible to roll over up to $700 to the next year.

Dependent Care FSA

You may contribute up to $7,500 per plan year to pay for qualified eligible dependent care expenses. Funds in this account are saved on a tax-free basis.
FSAs have a use-it-or-lose-it provision, so be conservative when electing how much to contribute.

Please note that the 2027 FSA limits shown are projected and are subject to change once the final 2027 limits are announced.

Administered by Aetna

Website: www.aetna.com

Phone: 877.238.6200

Dental Preferred Provider Organization (DPPO)

This dental plan allows the flexibility to select any dentist in-network or out-of-network, but if you stay in network, you’ll pay less. Dental coverage focuses on preventive and diagnostic procedures in an effort to avoid more expensive services associated with dental disease and surgery. The type of service or procedure received determines the amount the carrier will cover for each visit. Each type of service fits into a class of services according to complexity and cost

Click here to learn more.

You are free to choose an out of-network provider, but your out-of-pocket costs will be higher. To locate an in-network dentist, you can visit: aetna.com

Administered By Aetna

Website: www.aetnavision.com

Phone: 877.973.3238

Vision insurance helps offset the cost of routine eye exams and helps pay for vision correction eyewear like eyeglasses and contacts by an eye-care provider.

You’re eligible for an eye exam and lenses or contact lenses every 12 months and frames every 12 months. Out-of-network providers will only offer you an allowance towards your vision services.

Click here to learn more.

To search for in-network providers, log on to aetna.com

Administered by Lincoln Financial Group

Website: www.MyLincolnPortal.com

Phone: 888.787.2129

If you become ill or suffer an injury that prevents you from working, this form of disability insurance replaces a portion of your income for a defined maximum period.

*Employees are eligible for the following benefits after one year of service.

Short-Term Disability

Elementis provides a salary continuation plan for eligible full-time regular employees unable to work because of nonoccupational illness or injury. Salary continuation will provide benefits for up to 12 weeks at a percentage of your salary based on years of service

Click here for more information on how to report a claim.

Long-Term Disability

This benefit pays a portion of your income if you continue to be disabled and your short-term disability benefits end. To qualify, you must be disabled for 90 consecutive days. LTD benefits provide you with 60% of your annual
base pay up to $15,000 monthly maximum. Elementis pays the full cost of this coverage

Click here for more information on how to report a claim.

Administered by Lincoln Financial Group

Website: www.MyLincolnPortal.com

Phone: 888.787.2129

Basic Life and AD&D Insurance

Life insurance provides a financial benefit to your designated beneficiaries if you pass away, helping to cover expenses like funeral costs and living expenses. Accidental Death & Dismemberment (AD&D) insurance pays
benefits if you die or lose a limb or sight due to an accident.

Benefits may reduce as you age. See your plan documents for more detail.

This benefit is 100% company paid.

Voluntary Life and AD&D Insurance

Voluntary term life/AD&D allows you to purchase additional life and AD&D coverage for yourself and your dependents. Your age and the amount of insurance you elect determines the premium you’ll pay. Costs will increase
as you age, and benefits may be reduced. See your plan documents for more detail and to determine if Evidence of Insurability applies

You can elect additional life insurance coverage for:

• Yourself up to 4 times your base annual salary, up to $400,000.

• Your spouse up to 50% of employee ampint.

• Your child(ren) in the amount of $10,000

Please see HR to confirm your payroll deductions.

Administered by Principal

Website: www.principal.com

Phone: 800.547.7754

The 401(k) Plan is an employer sponsored retirement plan that allows employees to save and invest for the purpose of building savings for retirement. Saving through a 401(k) Plan is an easy way to set aside money for your future. Some things to consider:

Contributions to your account:

• You can make pre-tax and/or Roth (after-tax) contributions up to the IRS calendar year dollar limit

• If you are over the age of 50, you may make an additional catch-up contribution during the calendar year, which allows for increased retirement savings

• You can increase or decrease your contributions at any time

• You can begin contributing on your entry date as specified by the plan

• You can rollover money into the plan from a prior employer’s qualified plan or an IRA

Investing your account:

Our plan offers a broad choice of investment funds for your savings and the company matching contributions. An array of fund options allow you to tailor your investment strategy to meet the goals you feel are important. Log on to our 401(k) vendor website at  www.principal.com for additional details and information.

Share Save

There will not be an opportunity to enroll or make changes to the Share Save plan during Open Enrollment. Typically in August you will be invited to enroll in Elementis’ Share Save plan. The plan offers an opportunity to save for two years and then use those savings to purchase Elementis stock at a 15% discount. There are no fees or commissions.