Flexible Spending Account Plans

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Introducing WageWorks Flexible Spending Accounts

Effective January 1, 2006, WageWorks will be the program administrator for the Weyerhaeuser Health Care and Dependent Care Flexible Spending Account programs. WageWorks recently acquired FlexBen Corporation, Weyerhaeusers previous administrator. All of the 2005 and 2006 FSA enrollment and plan year data will reside on the WageWorks system beginning January 1, 2006.

To access the WageWorks website go to www.wageworks.com. If it is your first time, please click on the First Time User link. You will be asked several questions that will help us identify you. You will then be prompted to assign your own unique user name and password, which you will use to access the website moving forward.

You will find some enhanced features on the WageWorks website at www.wageworks.com. Wage-Works provides you with convenient tools to manage and monitor your money. The website will also help you determine how much money to elect in your spending account. Additionally, benefits counselors can help answer any question that you may have simply by calling the WageWorks toll-free customer service number, 877-924-3967 (5:00 am to 5:00 pm Pacific Standard Time, Monday through Friday).

FSA Enhancements

In addition to manual claims submission via toll-free fax or mail, WageWorks offers you the convenience to pay for your out-of-pocket expenses with the Pay My Provider option (see details on Page 19). If you have regular monthly expenses such as child-care, prescriptions, orthodontia, etc., WageWorks can send these providers a check directly from your FSA account each month. If you elect to streamline your claims directly to WageWorks, you may not want to have expenses paid directly to the provider of services, as this may result in dual reimbursement. You can always track your status on the WageWorks website in real time.

Weyerhaeusers New Easy-to-Use Spending Account Plans

Health Care Flexible Spending Account . . . . . . . . . . . . . . . . . 1

Worksheet . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Health Care Eligible / Ineligible Expenses. . . . . . . . . . 5-8

Dependent Care Flexible Spending Account . . . . . . . . . . . . . 9

Worksheet . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12-13

Dependent Care Eligible / Ineligible Expenses . . . . . . 14

A Guide To Your Flexible Spending Accounts. . . . . . . . . . . . 15

Commonly Asked Questions and Answers . . . . . . . . . 16

Table of Contents

CONTENTS

Who Should Enroll?

Is This A Good Program for Me?

How Does It Work?

Can I Change My Election?

What Are The Advantages?

How Can It Save Me Money?

What Are The Disadvantages?

What Is A Special Purpose Flexible Spending Account?

Worksheet

HCFSA Eligible/Ineligible Expenses

Health CareFlexible Spending Account

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The Health Care Flexible Spending Account (HCFSA) offers a real advantage for your pocketbook. Many people find it a cost effective way to pay for such items as medical and dental plan deductibles/copayments, eyeglasses, contact lenses, orthodontics and other health-related expenses which are not covered by insurance. Even taxpayers who do not itemize can take advantage of this tax break using the Health Care Flexible Spending Account. The annual maximum contribution to an HCFSA cannot exceed $5,000.00.

Who Should Enroll?

The Health Care Flexible Spending Account is beneficial for anyone who has out-of-pocket medical, dental, vision or hearing expenses beyond what their insurance plan covers.

Is This A Good Program For Me?

Its easy to determine if the Health Care Flexible Spending Account can save you money. Before the plan year begins you will need to determine your annual election. Its a good idea to estimate the expenses that you will incur during the year.

You are allowed to include out-of-pocket expenses for yourself, and anyone claimed as a dependent for tax purposes. Review your health care expenses from the previous year. If you find you had $100 or more in recurring or predictable expenses, this account can help you stretch your income.

We have provided a worksheet at the back of this brochure to help you calculate your estimated expenses.

How Does It Work?

After you have determined your estimated annual expenses and arrived at an HCFSA contribution dollar amount that you are comfortable with, divide this amount by the number of pay periods for the plan year. This amount will be deducted in even amounts from each of your paychecks, and contributed to your Health Care Flexible Spending Ac-count. You will need to plan carefully as the IRS requires that any unused money left in your account at the end of the plan year will be forfeited.

When you submit an expense for reimbursement, you will need to complete and submit a Request for Reimbursement claim form along with the following: the insurance explanation of benefits (EOB for services covered by insurance) or an itemized bill for services not covered by insurance, complete with the name of the provider, amount of service, and description of the services rendered. Services submitted must be incurred within the plan year. Fax your claim toll-free to (877) 353-9236. You may also mail your request to WageWorks at the address noted on your claim form. Your claim will be processed on your next reimbursement date.

Can I Change My Election?

Yes, but only if you have a qualifying change in status or event as described in the Summary Plan Description (SPD) that allows you to end your participation in the plan. When your participation ends, your contribution is reduced to zero for the remainder of the year. To end participation, you must contact the Employee Service Center (ESC) within 31 days of the qualifying change in status or event. Other changes and increases are not permitted.

What Are The Advantages Of The Health Care Flexible Spending Account?

Most important, the net cost of your required out-of-pocket health care expenses is reduced and made more afford-able. The amount you contribute to your HCFSA and the amount you are reimbursed from your HCFSA are income tax-free. The amount you contribute to your HCFSA is not subject to federal, state, or Social Security (FICA) taxes. Generally, this means a savings of 15% to 30% depending on your tax bracket. As a direct result of your personal tax savings, you will actually reduce the cost of required expenses and thus, increase your spendable income.

Health CareFlexible Spending Account

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How The Health Care Flexible Spending Account Saves You Money...

Lets look at an example. As shown below, Ben E. Fits a single employee with no dependents makes $25,000 a year, and elects to contribute $500 to his Health Care Flexible Spending Account. He then files eligible claims for the $500 in his account. As the example shows, Ben E. Fits will save $139 in taxes.

What Are The Disadvantages Of The Health Care Flexible Spending Account?

Generally speaking, there are none, with careful planning. However, we do want you to know that when you reduce your FICA taxes, you will also be reducing your Social Security contribution. Research studies on this matter show, however, that your tax savings generally outweigh your Social Security benefit reduction.

What Is A Special Purpose Flexible Spending Account?

Weyerhaeuser is offering the Medical Plus Plan for the 2006 plan year which allows a participant to open a Health Savings Account (HSA). The HSA will have an impact on the Health Care Flexible Spending Account (HCFSA) for those participants who choose to enroll in the Medical Plus Savings Program. In accordance with IRS regulations, the standard Health Care Flexible Spending Account cannot provide coverage alongside an HSA. As an alternative, Weyerhaeuser will offer a Special Purpose FSA for those who elect the Medical Plus Plan. The Special Purpose FSA is designed for participants who want to take advantage of and contribute to an HSA, and who have expected dental and vision expenses.

The Special Purpose FSA allows reimbursement for eligible dental and vision expenses prior to reaching the health plan deductible. Once the health plan deductible is met, the Special Purpose FSA allows reimbursement of all eligible health care expenses as defined by the IRS.

As required by law, any money in your HCFSA not used by the end of the year will be forfeited. Therefore, it is in your best interest to be conservative when estimating your contribution.

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Without anHCFSA

With an HCFSA

Should Ben E. Fits use the Flexible Spending Account? . . . . . . . . . YES!

1. Annual pay $25,000 $25,000

2. Less: out-of-pocket medical expense pre-tax $0 - $500

3. Taxable income $25,000 $24,500

4. Less: federal taxes (based on 15%) $3,750 $3,675

5. Less: state taxes (based on 5%) $1,250 $1,225

6. Less: FICA taxes (based on 7.65%) $1,913 $1,874

7. Less: out-of-pocket medical expense after-tax $500 $0

8. Income after medical expenses $17,587 $17,726

9. Taxes saved $0 $139

Health Care Flexible Spending Account Tax-Free Worksheet Illustration

This worksheet will help you estimate your annual uninsured medical expenses for the upcoming plan year, and your estimated tax savings realized through your participation in your HCFSA. Remember to estimate conservatively, con-sidering only those expenses you are confident will be incurred during the plan year, and that will not be covered by any insurance plan. You may also use the tax benefit calculator found at www.wageworks.com, just click on Calculate Your Savings.

1. Medical deductible $

Medical insurance copayments and coinsurance $

Dental deductible* $

Dental insurance copayments and coinsurance* $

Immunizations, injections and vaccinations $

Routine examinations $

Dental and orthodontic expenses* $

Prescription drugs or copayments $

Eye examinations, glasses and contacts* $

Hearing examinations $

Transportation to and from medical provider $

Medically necessary elective surgery $

Eligible over-the-counter medicines and products $

Other expenses $

* Note: only items identified by an asterisk(*) are eligible for reimbursement through the Special Purpose FSA prior to meeing the health plan

deductible please plan accordingly.

2. Total estimated, uninsured medical and dental expenses for the plan year $

3. Write down your desired HCFSA plan year contribution $ 4. Divide your contribution by your number of regular pay periods 5. This is the amount that will be taken out of each regular paycheck and deposited into your Health Care Flexible Spending Account $ 6. Multiply your per pay contribution by your total tax bracket (the sum of federal, state, and FICA tax rates). See the previous page for an example. Your Tax Rate: $

Projected Plan Year Expenses

(not covered by insurance)

Estimated Contribution and Tax Savings

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Eligible health care expenses are defined by the IRS as amounts paid for the diagnosis, cure, mitigation or treatment of a disease, and for treatments affecting any part or function of the body. The expenses must be primarily to alleviate a physical or mental defect or illness. With this definition in mind, we have listed below many of the medical expenses eligible for payment under the Health Care Flexible Spending Account, to the extent such expenses are not covered by your medical or dental insurance. This list is not meant to be all inclusive. Other expenses not specifically mentioned may also qualify (for additional information, please refer to Section 213 of the Internal Revenue Code).

Vapor RubWeight Loss Drugs (to treat

a specific disease)Wound Care Products

OBSTETRIC SERVICESLamaze ClassMid-Wife ExpensesOB/GYN ExamsOB/GYN Prepaid Maternity Fees

(reimbursable after date of birth)Post-Natal TreatmentPre-Natal Treatment

PRACTITIONERSAllergistChiropractorChristian ScienceDermatologistHomeopathNaturopathOsteopathPhysicianPsychiatristPsychologist

OTHER MEDICAL TREATMENTS/PROCEDURES

AcupunctureAlcoholism (inpatient treatment)Bio-feedback Therapy (in medically

necessary situations)Drug AddictionHearing ExamsHospital ServicesInfertilityIn-vitro FertilizationNorplant Insertion or RemovalPatterning ExercisesPhysical Examination (not

employment-related)Physical Therapy

Anti-Diarrhea MedicationAntihistaminesAspirinCold MedicineContact Lens SolutionCough DropsFirst Aid Cream (Bactine, special

diaper rash ointments, calamine lotion, bug bite medication, wart remover treatments)

Hemorrhoidal MedicationsHomeopathic MedicinesLaxatives (like Ex-Lax)Lice and Scabies TreatmentMenstrual Cycle Products (for pain

and cramp relief)Motion Sickness PillsMuscle / Joint Pain Relief (Ben-Gay,

Tiger Balm)Nasal Sinus SprayNasal Sprays (for snoring)Nicotine Gum / PatchesOphthalmic Preparations (Eye Drops)Pain RelieverPedialytePills for persons who are lactose

intolerantPregnancy TestsPre-Natal VitaminsReading GlassesRetin A (non-cosmetic)Rubbing AlcoholSinus MedicationsSleeping AidsSmoking Cessation ProductsSpecial Foods (cost difference of

common product with medical certification)

Special Ointment / Cream for Sunburn

Throat Lozenges

DENTAL SERVICESCrowns/BridgesDental X-RaysDenturesExams/Teeth CleaningExtractionsFillingsGum TreatmentOral SurgeryOrthodontia/Braces

INSURANCE-RELATED ITEMSCopay and Coinsurance AmountsDeductiblesPre-existing Condition Expenses

(medical)Private Hospital Room Differential

LAB EXAMS / TESTSBlood TestsCardiographsDiagnosticLaboratory FeesMetabolism TestsSpinal Fluid TestsUrine/Stool AnalysesX-Rays

MEDICATIONInsulinPrescribed Birth ControlPrescribed VitaminsPrescription Drugs

OVER-THE-COUNTER MEDICATIONS

Over-the-counter medicines, drugs, or dietary supplements for a specific medical condition:

Acne PreparationsAllergy MedicineAnalgesicsAntacids

Health Care Flexible Spending Account Plan

Eligible/Ineligible Expenses

Eligible Expenses

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NOTE: If you are considering participation in the Medical Plus Savings Program with a Special Purpose FSA, please see the Special Purpose FSA specific listing of eligible expenses.

GENERALBaby-Sitting & Child CareCanceled Appointment FeesContact Lens InsuranceCosmetic Surgery/ProceduresDancing/Exercise ProgramsDiaper ServiceDiscounts/Write-offsElectrolysisExercise EquipmentEyeglass InsuranceFeminine Hygiene ProductsFitness ProgramsHair Loss MedicationHair TransplantHealth Club DuesIllegal Operation or Treatment

The IRS does not allow the following expenses to be reimbursed under the Health Care Flexible Spending Account. Expenses to promote general health are not eligible expenses unless prescribed by a physician for a specific medical ailment. This list is not meant to be all inclusive.

Insurance Premium Interest ChargeInsurance PremiumsLong Term Care PremiumsMarriage CounselingMassage Therapy*Maternity ClothesNutritional SupplementsPersonal TrainerPrescription Drug Discount Program

PremiumsRogaineStudent Health FeeSwimming LessonsTeeth Whitening/BleachingVision Discount Program PremiumsVitamins (for general health)

(Revised August 2005)

OTHER MEDICAL TREATMENTS/ PROCEDURES (continued)Reconstructive Surgery (if medically

necessary due to a congenital defect or accident)

RolfingSpeech TherapySterilizationTransplants (includes organ donor)Vaccinations/ImmunizationsVasectomy and Vasectomy ReversalWeight Loss Programs*Well Baby Care

OTHER MEDICAL EQUIPMENT, SUPPLIES and SERVICESAbdominal/Back SupportsAmbulance ServicesArches/Orthopedic ShoesContraceptives, prescribedCounselingCrutchesGuide Dog (for visually/hearing

impaired person)

Hearing Aids & BatteriesHospital BedLead Paint Removal (if not capital

expense and incurred for a child poisoned)

Learning Disability (special school/ teacher)

Medic Alert Bracelet or NecklaceOxygen EquipmentPrescribed Medical and Exercise

EquipmentProsthesisSplints/CastsSupport Hose (if medically necessary)Syringes Transportation Expenses (essential to

medical care)Tuition Fee at Special School for

Disabled ChildWeight Loss Drugs (to treat a

specific disease)WheelchairWigs (hair loss due to disease)

VISION SERVICESArtificial EyesContact LensesContact Lens SolutionEye ExaminationsEyeglassesLaser Eye SurgeriesOphthalmologistOptometristPrescription SunglassesRadial Keratotomy/LASIK

Eligible Expenses (continued)

Ineligible Expenses

OVER-THE-COUNTER MEDICATIONS

ChapstickCosmeticsFace CreamMedicated Shampoos / SoapsMoisturizersOne-A-Day VitaminsSuntan LotionToiletriesToothbrushesToothpasteTopical Creams

* Eligible only with Doctors certification identifying the physical nature of the medical condition and length of treatment program. Massage therapy for the sole purpose of tension/stress relief does not qualify as an eligible expense.

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The Special Purpose Flexible Spending Account (FSA) is another way to save pre-tax money for out-of-pocket Vision and Dental costs. Using Special Purpose FSA funds on these expenses means more money stays in your Health Savings Account to grow tax-free. Its a smart way to maximize the benefits of your Medical Plus Plan and save for future medical needs.

DENTAL SERVICESCrowns/BridgesDental X-RaysDenturesExams/Teeth CleaningExtractionsFillingsGum TreatmentOral SurgeryOrthodontia/Braces

VISION SERVICESArtificial EyesContact LensesContact Lens SolutionEye ExaminationsEyeglass InsuranceEyeglassesLaser Eye SurgeriesOphthalmologist

Ophthalmic Preparations (eye drops)OptometristPrescription SunglassesRadial Keratotomy/LASIKVision Discount Program Premiums

INSURANCE-RELATED ITEMSCopay and Coinsurance AmountsDeductiblesPre-existing Condition Expenses

(medical)Private Hospital Room Differential

LAB EXAMS / TESTSBlood TestsCardiographsDiagnosticLaboratory FeesMetabolism TestsSpinal Fluid TestsUrine/Stool AnalysesX-Rays

MEDICATIONInsulinPrescribed Birth ControlPrescribed VitaminsPrescription Drugs

OVER-THE-COUNTER MEDICATIONSOver-the-counter medicines, drugs, or

dietary supplements for a specific medical condition

Acne PreparationsAllergy MedicineAnalgesicsAntacidsAnti-Diarrhea MedicationAntihistaminesAspirinCold MedicineContact Lens SolutionCough DropsFirst Aid Cream (Bactine, special

diaper rash ointments, calamine lotion, bug bite medication, wart remover treatments)

Hemorrhoidal MedicationsHomeopathic MedicinesLaxatives (like Ex-Lax)Lice and Scabies TreatmentMenstrual Cycle Products (for pain

and cramp relief)Motion Sickness PillsMuscle / Joint Pain Relief (Ben-Gay,Tiger Balm)Nasal Sinus SprayNasal Sprays (for snoring)

Nicotine Gum / PatchesPain RelieverPedialytePills for persons who are lactose

intolerantPregnancy TestsPre-Natal VitaminsReading GlassesRetin A (non-cosmetic)Rubbing AlcoholSinus MedicationsSleeping AidsSmoking Cessation ProductsSpecial Foods (cost difference of

common product with medical certification)

Special Ointment / Cream for Sunburn

Throat LozengesVapor RubWeight Loss Drugs (to treat a

specific disease)Wound Care Products

Eligible Expenses

Additional Eligible Expenses(After Annual Plan Deductible Is Met)

Once you have satisfied the annual deductible on your Medical Plus Plan, you may begin using money in your Special Purpose Flexible Spending Account to pay for additional qualified medical expenses including:

Health Care Flexible Spending Account Plan

Special Purpose Flexible Spending Account

OBSTETRIC SERVICESLamaze ClassMid-Wife ExpensesOB/GYN ExamsOB/GYN Prepaid Maternity Fees

(reimbursable after date of birth)Post-Natal TreatmentPre-Natal Treatment

PRACTITIONERSAllergistChiropractorChristian ScienceDermatologistHomeopathNaturopathOsteopathPhysicianPsychiatristPsychologist

OTHER MEDICAL TREATMENTS / PROCEDURES

AcupunctureAlcoholism (inpatient treatment)Bio-feedback Therapy (in medically

necessary situations)

Drug AddictionHearing ExamsHospital ServicesInfertilityIn-vitro FertilizationNorplant Insertion or RemovalPatterning ExercisesPhysical Examination (not

employment-related)Physical TherapyReconstructive Surgery (if medically

necessary due to a congenital defect or accident)

RolfingSpeech TherapySterilizationTransplants (includes organ donor)Vaccinations/ImmunizationsVasectomy and Vasectomy ReversalWeight Loss Programs*Well Baby Care

OTHER MEDICAL EQUIPMENT, SUPPLIES and SERVICES

Abdominal/Back SupportsAmbulance ServicesArches/Orthopedic ShoesContraceptives, prescribed

CounselingCrutchesGuide Dog (for visually/hearing

impaired person)Hearing Aids & BatteriesHospital BedLead Paint Removal (if not capital

expense and incurred for a child poisoned)

Learning Disability (special school/teacher)

Medic Alert Bracelet or NecklaceOxygen EquipmentPrescribed Medical and Exercise

EquipmentProsthesisSplints/CastsSupport Hose (if medically

necessary)SyringesTransportation Expenses (essential

to medical care)Tuition Fee at Special School for

Disabled ChildWeight Loss Drugs (to treat a

specific disease)

Ineligible Expenses

GENERALBaby-Sitting & Child CareCanceled Appointment FeesContact Lens InsuranceCosmetic Surgery/ProceduresDancing/Exercise ProgramsDiaper ServiceDiscounts/Write-offsElectrolysisExercise EquipmentFeminine Hygiene ProductsFitness ProgramsHair Loss MedicationHair TransplantHealth Club DuesIllegal Operation or Treatment

Insurance Premium Interest ChargeInsurance PremiumsLong Term Care PremiumsMarriage CounselingMassage Therapy*Maternity ClothesNutritional SupplementsPersonal TrainerPrescription Drug Discount ProgramPremiumsRogaineStudent Health FeeSwimming LessonsTeeth Whitening/BleachingVitamins (for general health)

OVER-THE-COUNTER MEDICATIONS

ChapstickCosmeticsFace CreamMedicated Shampoos / SoapsMoisturizersOne-A-Day VitaminsSuntan LotionToiletriesToothbrushesToothpasteTopical Creams

The IRS does not allow the following expenses to be reimbursed under a Special Purpose Flexible Spending Account. Expenses to promote general health are not eligible expenses unless prescribed by a physician for a specific medical ailment. This list is not meant to be all inclusive.

* Eligible only with Doctors certification identifying the physical nature of the medical condition and length of treatment pro-gram. Massage therapy for the sole purpose of tension/stress relief does not qualify as an eligible expense.

PLEASE NOTE: This information on this sheet is not intended to be all inclusive but should be used as a guide for determining which out-of-pocket expenses are eligible for reimbursement through your Special Purpose FSA. Other expenses not specifically mentioned may also qualify (for additional information, please refer to Section 213 of the Internal Revenue Code).

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CONTENTS

Who Should Enroll?

Who Is A Qualified Dependent?

What Expenses Are Eligible?

Who Is An Eligible Provider?

How Does It Work?

Can I Change My Election?

What Are The Advantages?

What Are The Disadvantages?

Estimate Your Savings

DCFSA Eligible/Ineligible Expenses

Dependent CareFlexible Spending Account

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Extend your income by using the Dependent Care Flexible Spending Account (DCFSA) to pay for work-related de-pendent care expenses with income tax-free dollars. You can save a significant amount of money by participating in this account. The annual maximum contribution to a DCFSA cannot exceed $5,000.00.

If you are paying for day care expenses now, you are paying in taxable dollars and probably taking the federal tax credit at the end of the year. If you use the Dependent Care Flexible Spending Account, you will pay these expenses in pre-tax dollars throughout the year, reducing the need to use the tax credit at the end of the year. In most instances, the savings realized through participation in the DCFSA will be greater than the savings available through the tax credit.

Who Should Enroll?

The Dependent Care Flexible Spending Account is generally beneficial to anyone who has a qualified dependent and eligible day care expenses.

Who Is A Qualified Dependent?

Dependents are defined as children under 13 years of age, or children 13 or over who are physically or mentally un-able to care for themselves and whom you can claim as a dependent. A spouse or dependent elderly parent residing in your home, who is physically or mentally unable to care for himself or herself, also qualifies.

What Expenses Are Eligible?

Expenses incurred which allow you (and your spouse, if married) to work, look for work or attend school as a full-time student are eligible. Below are expenses which qualify.

Day care facility fees (excluding transportation, lunches, educational services)

Before-school and after-school care

Local day camp

In-home baby-sitting fees (income must be claimed by your care provider)

Nursery school and preschool

Who Is An Eligible Provider?

You may use any care provider you choose. The care provider must meet the business and licensing requirements of your state. The services may be as informal as care provided by your neighbor, as long as the provider claims the money received for services as income when determining their taxes at the end of the year. You will also need to obtain the providers federal identification/Social Security number for inclusion on your own tax filing form.

Dependent CareFlexible Spending Account

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How Does It Work?

The program is simple. Determine how much money you wish to place in your account based on your estimate of Dependent Care expenses for the upcoming plan year. Keep in mind the time in which your dependent is not receiving care, such as vacation or sick time. The amount to be deducted from your pay cannot be greater than your income or that of your spouse, whichever is lower. The maximum contribution allowed by the IRS is $5,000 (or $2,500 each for married individuals filing separate returns). You will need to plan carefully as the IRS requires that any unused money left in your account at the end of the plan year will be forfeited. Once you arrive at a dollar amount that you are comfortable with, divide this amount by the number of pay periods in your plan year. This amount will be deducted on a pre-tax basis each pay period, and contributed to your Dependent Care Flexible Spending Account.

Complete and submit a Request for Reimbursement claim form when you have expenses to be reimbursed. A bill or itemized receipt from the provider (complete with the name of the provider, date(s) of service(s), and description of service(s)) must be included with your claim form.

Fax your claim toll-free to (877) 353-9236. You may also mail your request to WageWorks at the address noted on your claim form. Your claim will be processed on your next reimbursement date. Advance reimbursement of future or projected dependent care expenses is not permitted. Accordingly, you will receive dependent care reimbursement up to the amount that has been deducted from your earnings, and contributed to your Dependent Care Flexible Spending Account.

Can I Change My Election?

Yes, but only if you have a qualifying change in status or event during the plan year as described in the SPD. This includes marriage, divorce, death, birth/adoption or a change in employment. However, the adjustment in your election must be consistent with the change in status. To request a change to your election, you must contact the Employee Service Center (ESC) within 31 days of the qualifying change in status or event.

What Are The Advantages Of The Dependent Care Flexible Spending Account?

Most important, your personal income taxes will be reduced. The amount you contribute to your DCFSA is not subject to federal, state, or Social Security (FICA) taxes. Generally, this means a tax savings of 15% to 40% depending on your tax bracket. As a direct result of this personal tax savings, you can actually increase your spendable income.

Participation in the DCFSA will reduce or eliminate the ability to use the federal tax credit for dependent care. How-ever, as you can determine from the comparison chart on the back of this brochure, for most taxpayers the DCFSA results in a greater tax savings. If you participate in the DCFSA, IRS Form 2441 must be completed as part of your annual tax filing.

What Are The Disadvantages Of The Dependent Care Flexible Spending Account?

By not paying FICA taxes, you will also be reducing your Social Security contributions. Studies have determined, however, that your tax savings generally outweigh your Social Security benefit reduction.

Any money in your DCFSA that is not used by the end of the year will be forfeited. Therefore, it is in your best interest to be conservative when estimating your contribution.

Based on group participation, certain employees who are deemed to be highly compensated or key employees may have their participation restricted. You will be notified if this provision applies to you.

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Estimate Your Savings

The following worksheets provide an opportunity to compare the potential tax savings available through the Depen-dent Care Flexible Spending Account vs. federal income tax credit. For most taxpayers, the Dependent Care Flexible Spending Account is expected to result in greater tax savings.

Federal Income Tax Credit Worksheet*

Adjusted Adjusted Adjusted Gross Income Percentage Gross Income Percentage Gross Income Percentage

Up to $15,000 ............. 35%

$15,000 to $17,000 .... 34%

$17,000 to $19,000 .... 33%

$19,000 to $21,000 .... 32%

$21,000 to $23,000 .... 31%

$23,000 to $25,000 .... 30%

$25,000 to $27,000 .... 29%

$27,000 to $29,000 .... 28%

$29,000 to $31,000 .... 27%

$31,000 to $33,000 .... 26%

$33,000 to $35,000 .... 25%

$35,000 to $37,000 .... 24%

$37,000 to $39,000 .... 23%

$39,000 to $41,000 .... 22%

$41,000 to $43,000 .... 21%

$43,000 and over ....... 20%

1. The amount of expenses for dependent care (cannot exceed your income or that of your spouse, whichever is less) $___________

2. Maximum expenses eligible for tax credit ($3,000 for one dependent; $6,000 for more than one dependent) $___________

3. Estimated adjusted gross income for you and your spouse $___________

4. Percentage from table above based on adjusted gross income ___________%

5. Estimated tax credit (multiply line 4 by the smaller of line 1, or line 2, or line 3) $___________

*Refer to IRS Publication 503 for additional details.

2005 Tax Table

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Dependent Care Flexible Spending Account Worksheet

1. The amount of deposit to your Dependent Care Reimbursement Account (must not exceed the lesser of your income, your spouses income, or $5,000 (or $2,500, if married and filing a separate return) $___________

2. Your federal tax rate from the table above ___________%

3. Social Security tax rate: Enter 7.65% for earnings up to $90,000* (2005 limit) Enter 1.45% for earnings over $90,000* (2005 limit) ___________%

4. State and city tax rate** ___________%

5. Total tax rate (line 2 + line 3 + line 4) ___________%

6. Estimated tax savings (multiply line 5 by line 1) $___________

* This amount is adjusted annually by the federal government. ** Deposits to your Dependent Care Flexible Spending Account are generally exempt from state and city taxes. This exemption is dependent, however, on the state and city in which you reside.

If line 6 on the Dependent Care Flexible Spending Account Worksheet is larger than line 5 on the Federal Income Tax Credit Worksheet, then the Dependent Care Flexible Spending Account can be expected to provide you a greater tax savings than the tax credit.

If your contributions to your Dependent Care Flexible Spending Account are less than the amount of your actual dependent care expenses, you may use the federal income tax credit for the balance, however, the total amount of your expenses reimbursed under the plan and those claimed on the tax credit cannot exceed the limits set forth for the tax credit ($3,000/$6,000).

SINGLE

But not Of the Over over The tax is amount over

$ 0 $ 7,300 ---------- 10% $ 0 7,300 29,700 $ 730.00 +15% 7,300 29,700 71,950 4,090.00 +25% 29,700 71,950 150,150 14,652.50 +28% 71,950 150,150 326,450 36,548.50 +33% 150,150 326,450 ---------- 94,727.50 +35% 326,450

MARRIED FILING SEPARATELY

But not Of the Over over The tax is amount over

$ 0 $ 7,300 ---------- 10% $ 0 7,300 29,700 $ 730.00 +15% 7,300 29,700 59,975 4,090.00 +25% 29,700 59,975 91,400 11,658.75 +28% 59,975 91,400 163,225 20,457.75 +33% 91,400 163,225 ---------- 44,160.00 +35% 163,225

MARRIED FILING JOINTLY OR QUALIFYING WIDOW(ER)

But not Of the Over over The tax is amount over

$ 0 $ 14,600 ---------- 10% $ 0 14,600 59,400 $ 1,460.00 +15% 14,600 59,400 119,950 8,180.00 +25% 59,400 119,950 182,800 23,317.50 +28% 119,950 182,800 326,450 40,915.50 +33% 182,800 326,450 ---------- 88,320.00 +35% 326,450

HEAD OF HOUSEHOLD

But not Of the Over over The tax is amount over

$ 0 $ 10,450 ---------- 10% $ 0 10,450 39,800 $ 1,045.00 +15% 10,450 39,800 102,800 5,447.50 +25% 39,800 102,800 166,450 21,197.50 +28% 102,800 166,450 326,450 39,019.50 +33% 166,450 326,450 ---------- 91,819.50 +35% 326,450

Eligible day care expenses are those incurred for the care of a person who can be claimed as a tax exemption for federal tax purposes, or for the care of any dependent who is mentally or physically unable to care for himself or herself. Eligible expenses are those which allow you (and your spouse, if married) to work, look for work, or attend school as a full-time student. See Page 8 for who qualifies as a dependent.

Eligible Expenses

Expenses for overnight camps

Expenses for education or tuition

Placement fees for finding a day care provider (i.e., Au Pair)

Sports lessons, field trips, clothing, transportation

Ineligible Expenses

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Dependent Care Flexible Spending Account Plan

Child care at a day camp or nursery school, or by a private sitter

Elder care for an incapacitated adult who lives with you at least 8 hours per day

Expenses for pre-school and after-school child care. These expenses must be kept separate from any tuition expense.

Cost of a housekeeper whose duties include the care of a qualifying dependent

A Guide To Your Flexible Spending Accounts

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Your Health Care Flexible Spending Account (HCFSA) and Dependent Care Flexible Spending Account (DCFSA) are part of a valuable program offered by the Company, with the assistance of WageWorks, the plans recordkeeper. These two accounts are designed to complement your existing benefits program by enabling you to save hard-earned money on health and dependent care expenses that you normally pay out of your pocket on an after tax basis.

Commonly Asked Questions and

Answers

The following pages reflect some of the more commonly asked questions regarding Flexible Spending Account plans. We hope this quick reference is helpful. To get answers to other questions, please contact WageWorks. WageWorks may be reached toll-free at (877) 924-3967 (5:00 am to 5:00 pm Pacific Standard Time, Monday through Friday), where representatives will be happy to review the advantages of the plans, and to address your specific questions.

Do I Have To Participate In Both Accounts, Or Can I Participate In Just One?

The Health Care account and Dependent Care account are separate plans. You may voluntarily choose to participate in either one of the accounts the Health Care Flexible Spending Account, the Dependent Care Flexible Spending Account or both. The choice is yours!

How Much May I Contribute Annually?

The annual minimum and maximum contribution amounts for the HCFSA are $120.00 and $5,000.00, respectively. The annual minimum and maximum contribution amounts for the DCFSA are $300.00 and $5,000.00, respectively.

Why Do Amounts That Are Unused In My Account At Year-End Have To Be Forfeited?

The Internal Revenue Service (IRS) requires that these unused dollars be forfeited as a condition of offering these benefits. Since the money is tax-free, the IRS views your election commitment as just that...a commitment to fully fund your account for your entire plan year election. This is true whether or not you actually use the money. Keep in mind that it is not the Companys or the IRSs intention or wish that you forfeit money. We want all employees to fully take advantage of this valuable benefit and to use all the money thats deposited to your account(s). So plan conservatively.

How About My Social Security Benefits? Are They Affected?

Yes and No. Since the money deposited to your Health Care and Dependent Care Flexible Spending Accounts is FICA tax-free, your future Social Security benefits will be less than they would be otherwise, since Social Security benefits are based partly on the amount of FICA taxable wages you earn. Your Health Care and Dependent Care Flexible Spending Account deposits may reduce your FICA taxable wages. However, the future Social Security benefits you may receive are generally impacted very little due to your participation in this plan. Additionally, the taxes you save today are usually more valuable than the future benefits you may otherwise receive from Social Security. If you have concerns, you may wish to talk to your financial advisor, or check with the Social Security Administration.

Where Do I Get Claim Forms?

Simply logon to www.premera.com/wy (24 hours a day, 7 days a week) to download a health care or dependent care claim form.

Where Can I Get Up-To-Date Information About My Flexible Spending Accounts?

You may access account information and forms at the WageWorks website at www.wageworks.com. You will be required to establish a user name and password to access your account. Upon successfully entering the site, you will automati-cally be prompted to change your password. Everything you need to know about your account is right here!

You can also call WageWorks toll-free at (877) 924-3967 to enter the automated telephone Flexible Spending Account Inquiry System for prompt responses to specific questions about account activity. Account Representatives are also available from 5:00 am to 5:00 pm Pacific Standard Time to assist you with questions.

Commonly AskedQuestions and Answers

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Who Is WageWorks?

WageWorks is a nationally recognized employee benefits consultant and administrative management firm. They spe-cialize in the design and administration of plans like your Flexible Spending Accounts. WageWorks will be processing all claims, answering your questions, and helping you in any way they can.

WageWorks can be reached by calling toll-free (877) 924-3967 (5:00 am to 5:00 pm, Pacific Standard Time, Monday through Friday). Mail all claims to:

WageWorksP.O. Box 14053

Lexington, KY 40511

Or you may fax your claims toll-free to (877) 353-9236.

What Happens To Unused Monies In My Account If I Retire Or Terminate?

The IRS requires that any unused monies left in your account must be forfeited...so plan conservatively. Certainly, if you plan on leaving the Company for any reason, you may wish to reconsider your choice to participate. If, however, you choose to participate and leave prior to year-end, then you can continue to have access to your account deposits, by continuing to submit claims incurred (with a date of service) prior to your employment termination date. You have until the end of the plan year to do so. Additionally, if you participate in the Health Care Flexible Spending Account, you may be eligible to continue your participation under COBRA. COBRA allows you to continue to make after-tax contributions to your account, and also to submit reimbursement requests for claims incurred after your employment has ended (during your COBRA period of coverage).

How About If I Take A Leave Of Absence?

The rules for leave of absence are outlined in your Summary Plan Description.

Do I Have To Re-Enroll During Every Open Enrollment Period?

The IRS requires that employees make new elections for each and every plan year. The process of enrolling is de-tailed in your enrollment materials. Regardless of the enrollment process adopted by the Company, it is important to review your expenses each year to make sure that your election is appropriate, based on the actual expenses you expect to have.

Is The DCFSA Or The Federal Income Tax Credit For Dependent Care Expenses A Better Deal For Most People?

The decision between these two income tax reduction alternatives is not always clear, because the results are based on your own personal situation. We recommend that you talk to your accountant or tax advisor to estimate which method is better for you. You may wish to refer to IRS Publications 17 and 503 for additional information regarding the federal income tax credit.

Will I Be Able To Use My Explanation Of Benefits Statement From The Companys Group Health Plan As Proof Of A Claim Under The HCFSA?

Yes. Your Explanation of Benefits statement, often referred to as an EOB, will satisfy proof of your claim. Remem-ber, an EOB is any statement received by you from the Companys Health Plan which identifies benefits paid and not paid under the terms of the health plan. It is the unpaid benefits that may be eligible for reimbursement from the HCFSA.

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-18-

Will I Have To Actually Pay An Expense (i.e., My Deductible Or My Share Of A Co-payment) In Order To Be Eligible For Reimbursement?

No. Proper documentation that must accompany a claim for reimbursement must reflect your obligation to pay the expense, however a paid receipt is not necessarily required. Your provider of service may require payment prior to FSA reimbursement. Eligibility for reimbursement is based on the date of service, not the date of payment.

If I Have No EOB Statement Or My Expense Is For A Service Which Is Not Covered By Any Of My Benefit Plans, What Proof Of Claim Do I Use Under The HCFSA?

WageWorks does not necessarily require an EOB statement, although attaching an EOB to your claim certainly minimizes any potential questions and delays in processing your claim. However, if you do not have an EOB state-ment, you must submit an itemized receipt for services, which reflects the type of service, name of the provider, your responsibility for the portion of costs not covered by insurance, and the date of service.

Who Is A Qualified Dependent?

If a person qualifies as your dependent for federal tax purposes, they qualify as a dependent under the HCFSA. This definition may be different from that provided under the Companys other group benefit plans. Special rules for dependent status apply to the DCFSA. These requirements are specified by the IRS, and are noted in the DCFSA section.

I Notice That The Brochure States Several Times That I May Need To Consult A Tax Advisor. Why?

The benefit derived from participation in the Health Care or Dependent Care Flexible Spending Accounts is tax savings. With regard to your taxes, they are your responsibility, and involve much more than simply multiplying a tax rate times your wages. The Company and WageWorks are in no way staffed to properly handle personal tax questions. In order to maximize your tax savings from these accounts, and to ensure that they fit with your personal income tax situation, you are encouraged to consult with your tax advisor if you have specific questions or concerns prior to enrollment.

How Frequently Will I Receive Account Statements?

In order to enhance communication regarding your Health Care FSA program, you will receive a monthly account statement detailing your account activity for the prior month. This statement will allow you to more frequently track your account activity and account balance. The monthly statement can be received via US mail or via email your choice, and will be sent in any month that you have activity in your account. Dependent Care FSA statements will be sent on a quarterly basis. Additionally, you may obtain up-to-date account information online at www.wageworks.com or by calling customer service at (877) 924-3967.

What Is Streamlining Of Claims?

Streamlining of claims is the automatic sending of patient out-of-pocket amounts that were processed through Premera and are applied as a claim against the Health Care FSA account. Premera sends a file to WageWorks indicating the patient amount owed and WageWorks will then process the claim and reimburse the participant directly. Claims for dependents of employees with covered domestic partners are not streamlined.

Is Streamlining Available For Both HCFSA And DCFSA?

Streamlining of claims is only allowed for HCFSA.

Will Claims For Behavioral Health And Substance Abuse Streamline?

Claims processed by MHN will not streamline.

Who Is Eligible To Streamline Claims?

Those members of either the Comprehensive Medical Plan or the Medical Plus Plan and are enrolled in the health care flexible spending account will have claims streamlined to WageWorks for processing.

What Claims Will Streamline?

Examples of claims that will streamline include medical plan deductibles and coinsurance, eyeglasses and contact lenses.

Please note those members enrolled in the Medical Plus Plan and enrolled in the health care flexible spending account will have claims streamlined to WageWorks for processing only after the health plan deductible is met. If you have eligible dental or vision claims that you would like processed you will need to submit these claims manually.

How Do I Opt Out?

You will be able to opt out of streamlined claims using your unique WageWorks Employee site (similar to ee*commerce). Once you establish your employee profile and access your account you will find an option under the Manage My Accounts section of your site.

How Often Will Manual Claims Be Reimbursed?

Manual claims will be reimbursed on a daily basis once the claim has been processed. The processing of claims will occur within a 3-5 business day timeframe. Once the claim is approved, the payment will be issued to you via check or direct deposit (your choice) on a daily basis. This will speed your claims reimbursement and get you your money faster.

Do I Have The Ability To Pay My Health Care or Dependent Care Provider Directly From My Account?

Yes, WageWorks offers a direct pay benefit from the Health Care and Dependent Care FSA program called Pay My Provider. This benefit option allows the FSA participant to go online and schedule either a onetime or recurring payment for health care or dependent care services, and the payment will be sent directly from WageWorks to the pro-vider, without having to submit a claim. Examples include the ability to pay orthodontia expenses directly to your dentist each month; to pay your dependent care provider directly from your dependent care account without having to submit a claim and wait for payment; or to pay a balance due bill for services incurred but not covered by your health plan.

Is There A Way To Set Up Direct Deposit Of Reimbursements?

Yes, if you desire to have your reimbursements paid directly into your checking or savings account, you may enroll in direct deposit online at www.wageworks.com. Once you are enrolled, your payments will be remitted to the bank account that you have designated.

What Is The Difference Between The Health Care FSA And The Special Purpose FSA?

The Health Care FSA is a full-use FSA program that allows for reimbursement of all Section 213(d) expenses (see list of eligible expenses). If you participate in the Weyerhaeuser HSA program, you are NOT eligible to participate in the Health Care FSA. Instead, you may choose to participate in the Special Purpose FSA, which allows for reimbursement of eligible vision and dental expenses prior to reaching the annual medical plan deductible. Once the deductible is met, the Special Purpose FSA allows reimbursement of all eligible health care expenses as defined by the IRS.

Phone 1-877-924-3967 Fax 1-877-353-9236

www.wageworks.com

5326WY (09-2005)

life just got easier

037338 (07-2016)

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effectively with us, such as: Qualified sign language interpreters Written information in other formats (large print, audio, accessible

electronic formats, other formats) Provides free language services to people whose primary language is not

English, such as: Qualified interpreters Information written in other languages

If you need these services, contact the Civil Rights Coordinator. If you believe that Premera has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or sex, you can file a grievance with: Civil Rights Coordinator - Complaints and Appeals PO Box 91102, Seattle, WA 98111 Toll free 855-332-4535, Fax 425-918-5592, TTY 800-842-5357 Email AppealsDepartmentInquiries@Premera.com You can file a grievance in person or by mail, fax, or email. If you need help filing a grievance, the Civil Rights Coordinator is available to help you. You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, electronically through the Office for Civil Rights Complaint Portal, available at https://ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone at: U.S. Department of Health and Human Services 200 Independence Avenue SW, Room 509F, HHH Building Washington, D.C. 20201, 1-800-368-1019, 800-537-7697 (TDD) Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html. Getting Help in Other Languages This Notice has Important Information. This notice may have important information about your application or coverage through Premera Blue Cross. There may be key dates in this notice. You may need to take action by certain deadlines to keep your health coverage or help with costs. You have the right to get this information and help in your language at no cost. Call 800-722-1471 (TTY: 800-842-5357). (Amharic): Premera Blue Cross 800-722-1471 (TTY: 800-842-5357)

:(Arabic) .

Premera Blue Cross. . . . (TTY: 800-842-5357) 1471-722-800

(Chinese): Premera Blue Cross

800-722-1471 (TTY: 800-842-5357)

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Premera Blue Cross

800-722-1471 (TTY: 800-842-5357) (Punjabi): . Premera Blue Cross . . , , 800-722-1471 (TTY: 800-842-5357).

:(Farsi) .

. Premera Blue Cross .

. .

)800-842-5357 TTY( 800-722-1471 .

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