Health Care Benefits GuideJANUARY 1 – DECEMBER 31, 2019

Independent Contractors

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WELCOMEProviding great benefit choices to you and your family is just one of the many ways Colliers supports the health and wellbeing of the people who make our company successful—you.

YOUR BENEFITSWe’re committed to supporting your overall wellness with a benefits program designed to meet your unique needs. Key features of Colliers’ benefits include:

• Choice among benefit options• Comprehensive health care coverage• Programs to help ensure financial security

for you and your family

This guide describes your health plan options and other important benefits. Use this information, along with other tools and resources available on Benefitfocus, to choose the coverage that’s right for you and your family. Then enroll online—and make the most out of your benefits.

If you are a new employee, you must enroll within 30 days of your date of hire. If you do not enroll or waive coverage within this time period, your coverage will be automatically waived for you.

After your enrollment opportunity ends, you will not be able to make changes to your benefits until the next Open Enrollment, unless you experience a qualifying life event, such as marriage, divorce, birth, adoption, or a change in your or your spouse’s employment status that affects your benefits eligibility.

Table of ContentsELIGIBILITY & ENROLLMENT 3MEDICAL PLANS 4PRESCRIPTION BENEFITS 8AETNA TOOLS AND RESOURCESCOST OF COVERAGE 9WHERE TO GO FOR CARE 10

DENTAL BENEFITSVISION BENEFITS 11HEALTHCOMPARE 12ADDITIONAL BENEFITS 13BEN-IQ MOBILE APPBENEFIT ADVOCATE 14CONTACTS 15

Please note that this guide is a summary of benefits. For a more detailed description of benefit provisions, refer to your summary plan description (SPD). In the event of a discrepancy between this overview and the SPD, benefits will be paid as outlined in the SPD.

Medicare Part D Notice: If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription drug coverage. Please see the Annual Notices located on Colliersbenefits.com for more details.

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Eligibility and EnrollmentINDEPENDENT CONTRACTORSYou are eligible for Colliers medical, dental and vision benefits on the first day of the month coinciding with or immediately following contract execution.

ENROLLMENTAfter you’ve carefully considered your benefit options and anticipated needs, it’s time to make your benefit selections. Follow the instructions to enroll yourself and any eligible dependents you want to cover.

How to Enroll OnlineStep 1: Go to ColliersBenefits.com and click the Enroll Now link.

Step 2: Review your dependent information, including Social Security numbers and dates of birth for all dependents, and make sure your dependents are still eligible for coverage.

Step 3: Click “View/Edit Information” in each section to initiate your enrollment.

Step 4: Confirm all sections are complete and print your enrollment details.

For questions, reach out to the US Benefits team at US.benefits@colliers.com.

As a new Independant Contractor, enrollment for health benefits must be made within 30 days from your contract execution date. If you are a full-time Independent Contractor and you do not enroll or waive coverage within this time period, you will not receive health care coverage for that plan year. You won’t be able to change your benefits coverage again during the year unless you experience a qualifying life event.

Enrolling a Domestic Partner?If you are enrolling a domestic partner in benefits coverage, you will need to complete a domestic partner affidavit within 30 days of your contract execution date.

The Declaration of Domestic Partnership form is available online through the Benefits Focus system or requesting it via US.benefits@colliers.com.

Enrolling DependentsYou may enroll your eligible dependents in the same plans you choose for yourself. Eligible dependents include your:

• Legal spouse or domestic partner*

• Children up to age 26; includes students and children who are married

• Children with disabilities of any age who meet certain criteria outlined in the plan

*Refer to the domestic partner affidavit for domestic partner eligibility criteria.

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Medical PlansColliers offers a choice of medical plans, so you can select the coverage that’s best for you and your family. You have three plan options provided by Aetna.

All three of the Aetna plans give you the freedom to visit the provider of your choice with no referrals and no claim forms to complete when you receive care from in-network providers. Keep in mind that you will also save money when you visit in-network providers because services are generally covered at a higher percentage than services received from providers outside of the network.

HIGH DEDUCTIBLE HEALTH PLANSThe High Deductible Health Plans (HDHP) allow you to contribute pre-tax dollars to a Health Savings Account (HSA) that you use to pay for health care expenses directly. If you would like to establish a Health Savings Account, please contact your bank or other financial institution.

TRADITIONAL PLANThe Traditional Plan is a PPO health plan, offering the predictability of copays for routine health care expenses, but at a higher monthly premium than the HDHP.

This plan offers a convenient copay benefit for physician office visits, urgent care visits, and prescription drug services. Some services, such as hospitalizations, surgery, and extensive lab and diagnostic tests are subject to the annual deductible.

WHICH MEDICAL PLAN IS RIGHT FOR YOU?The best medical plan for you depends on a number of factors. Consider these questions:

• What are your anticipated medical expenses for the coming year?

• Would you rather pay less in monthly premiums and use a Health Savings Account (HSA) to pay your higher deductible costs with tax-free money?

• Would you rather pay more in premiums and have a lower deductible when you need care?

• Will you have money set aside to pay out of pocket when you need care?

Now that you’ve asked yourself those questions, remember that:

• Only the HDHP plans let you open and contribute to a tax-free HSA.

• A plan with a higher premium will cost you more each month, regardless of how much care you actually receive.

• A plan with a lower monthly premium gives you more control over the money you spend on your health care.

HEALTHNothing is more important than your overall health and well-being. That’s why our benefits program offers

plans to help keep you and your family healthy and also provide important protection in the event of illness or injury.

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MEDICAL PLANS COMPARISONThe following chart compares key coverage features of one of the Aetna HDHP options.

AETNA HDHP $2,000/$4,000

In-NetworkOpen Choice PPO Out-of-Network

Annual Deductible $2,000/individual$4,000/family (aggregate)

$4,000/individual$8,000/family (aggregate)

Annual Out-of-Pocket Maximum $5,000/individual$10,000/family

$5,000/individual$10,000/family

Lifetime Maximum Unlimited Unlimited

YOU PAYOffice Visit/Exam Primary Provider,

Specialist 20% after deductible 50% after deductible

Teladoc Visits 20% after deductible (visit costs $40) Not covered

Preventive Services 0% 0%

Chiropractic Services 20% after deductible 50% after deductible(up to 12 visits per calendar year) (in-network limits apply)

X-Ray & Lab Tests Preventive: 0%;All other: 20% after deductible

Preventive: 0%;All other: 50% after deductible

Inpatient Hospital Services 20% after deductible 50% after deductible

Outpatient Surgery 20% after deductible 50% after deductible

Emergency Room 20% after deductible 20% after deductible

Urgent Care 20% after deductible 50% after deductible

Mental Health BenefitsInpatient Care

Outpatient Care20% after deductible20% after deductible

50% after deductible50% after deductible

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MEDICAL PLANS COMPARISONThe following chart compares key coverage features of one of the Aetna HDHP options.

AETNA HDHP $4,000/$6,750

In-NetworkOpen Choice PPO Out-of-Network

Annual Deductible $4,000/individual$6,750/family (aggregate)

$6,000/individual$12,000/family (aggregate)

Annual Out-of-Pocket Maximum $6,750/individual$13,500/family

$6,750/individual$13,500/family

Lifetime Maximum Unlimited Unlimited

YOU PAYOffice Visit/Exam Primary Provider,

Specialist 20% after deductible 50% after deductible

Teladoc Visits 20% after deductible (visit costs $40) Not covered

Preventive Services 0% 0%

Chiropractic Services 20% after deductible 50% after deductible(up to 12 visits per calendar year) (in-network limits apply)

X-Ray & Lab Tests Preventive: 0%;All other: 20% after deductible

Preventive: 0%;All other: 50% after deductible

Inpatient Hospital Services 20% after deductible 50% after deductible

Outpatient Surgery 20% after deductible 50% after deductible

Emergency Room 20% after deductible 20% after deductible

Urgent Care 20% after deductible 50% after deductible

Mental Health BenefitsInpatient Care

Outpatient Care20% after deductible20% after deductible

50% after deductible50% after deductible

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MEDICAL PLANS COMPARISONThe following chart compares key coverage features of the Aetna Traditional plan.

AETNA TRADITIONAL $750

In-NetworkOpen Choice PPO Out-of-Network

Annual Deductible $750/individual$2,250/family

$2,250/individual$6,750/family

Annual Out-of-Pocket Maximum $5,000/individual$12,500/family

$10,000/individual$25,000/family

Lifetime Maximum Unlimited Unlimited

YOU PAYOffice Visit/Exam Primary Provider,

Specialist $30 copay 50% after deductible

Teladoc Visits $30 copay Not covered

Preventive Services $0 copay $0 copay

Chiropractic Services $30 copay 50% after deductible(up to 12 visits per calendar year) (in-network limits apply)

X-Ray & Lab Tests Preventive: 0%;All other: 20% after deductible

Preventive: 0%;All other: 50% after deductible

Inpatient Hospital Services 20% after deductible 50% after deductible

Outpatient Surgery 20% after deductible 50% after deductible

Emergency Room $200 copay then 20% after deductible (copay waived if admitted)

$200 copay then 20% after deductible (copay waived if admitted)

Urgent Care $30 copay 50% after deductible

Mental Health BenefitsInpatient Care

Outpatient Care20% after deductible

$30 copay50% after deductible50% after deductible

How Does the Deductible Work?The deductible is the amount you have to pay before the plan starts paying for benefits. If you have family coverage, your plan deductible functions a little differently based on whether you’re in the Traditional Plan or the HDHP. In the Traditional Plan, the plan pays benefits for each covered member once you satisfy the individual deductible for each person or once you hit the family deductible. However, in the HDHP, the entire family deductible must be met before the plan begins to pay for benefits, even if only one covered member needs medical care all year.

Out-of-network care: You may choose to receive care from a provider that is not a part of the network, that is, an out-of-network provider, but you receive a lower level of benefit coverage. Your benefit coverage is based on an allowable amount determined by the plan to be reasonable for services provided. You are responsible for any amounts above the allowed amount and they will not be credited toward the deductible or out of pocket limits. You may also be required to file your own claims. You should confirm coverage with out of network providers prior to receiving services as you may find you have no coverage at all.

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Prescription BenefitsWhen you enroll in a Colliers’ medical plan, you automatically receive prescription drug coverage. You will save money by purchasing generic drugs rather than brand-name drugs. If you choose a brand name drug when a generic drug is available, you will pay the difference in cost in addition to the copay (if applicable). If your doctor prescribes a brand-name drug and stipulates no substitutions, you will not pay the difference in cost.

To find out how your prescription will be covered, use the Aetna Value Plus Plan prescription drug list found at aetnapharmacy.com.

AETNA HDHP $2,000/$4,000

AETNA HDHP $4,000/$6,750

AETNA TRADITIONAL $750

In-Network In-Network In-NetworkRetail (30-day supply) (30-day supply) (30-day supply)

GenericBrand Formulary

Brand Non-Formulary

Medical deductible, then 20% coinsurance

Medical deductible, then 20% coinsurance

$10 copay$30 copay$55 copay

Mail-Order (90-day supply) (90-day supply) (90-day supply)Generic

Brand FormularyBrand Non-Formulary

Medical deductible, then 20% coinsurance

Medical deductible, then 20% coinsurance

$25 copay$65 copay$125 copay

On both Aetna HDHP plans, certain preventive drugs are covered at 100%. You can view this list at aetnapharmacy.com.

SAVE TIME AND MONEY WITH MAIL-ORDER PRESCRIPTIONSThere are several advantages to using the mail-order pharmacy for medications you take on an ongoing basis, including:

• Cost savings: You will incur fewer copays when you are prescribed a 90-day supply.

• Free shipping: There’s no extra shipping charge for mail-order prescriptions.

• Convenience: You don’t have to make as many trips to the pharmacy, stand in line, or wait for your prescriptions to be filled.

Cost of Coverage (Monthly Costs)MEDICAL AETNA

HDHP $2,000/$4,000AETNA

HDHP $4,000/$6,750AETNA

TRADITIONAL $750

IC Only $650.05 $549.79 $1,104.04

IC + Spouse $1,462.62 $1,237.03 $2,218.89

IC + Child(ren) $1,137.59 $962.14 $1,725.79

IC + Family $1,950.16 $1,649.38 $2,958.51

DELTA DENTAL BASIC PLAN

DELTA DENTAL PLUS PLAN

VSP VISION PLAN

IC Only $42.05 $49.86 $8.28

IC + Spouse $81.98 $97.20 $13.24

IC + Child(ren) $95.45 $113.16 $13.50

IC + Family $135.36 $160.48 $21.75

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Aetna Tools & ResourcesAETNA CONCIERGEAetna Concierge is a premium service model that focuses on consultative member engagement and relevant member connections to available programs, tools, and resources that will help you maximize your benefits. The team is specifically trained on the benefits offered by Colliers International. You will be provided with one-to-one plan consultation via phone, text, or email. Colliers Concierge Customer Service line at Aetna at 888-325-3698.

ONLINE TOOLSAetna offers Colliers International easy to use online tools to help navigate through your benefits. The Aetna Navigator is a self-service website that provides members with a single source for online health and benefits information 24/7. You can view or print digital ID cards, download an explanation of benefits, or even price shop for medical services and prescription drugs. All of this information can be access through your phone with the Aetna Mobile application.

TELADOCAetna participants are eligible to receive 24/7 virtual care service from board-certified doctors and pediatricians.

• You can receive a diagnosis and suggested treatment for many medical issues, including cold and flu symptoms, bronchitis, allergies, infections and more.

• If appropriate, doctors can write a short-term prescription and have it sent to the pharmacy of your choice. Standard copays apply.

• Teladoc doctors can advise you on whether you need a specialist and the type of specialist you should see—saving you guesswork, time and money.

Whether you are on vacation or traveling for work, Teladoc is there for you 24/7 wherever you may be. To set up your account, contact Teladoc at 800-835-2362 or download the app.

VISIT AETNA.COM AND LOG IN TO YOUR MEMBER WEBSITE.

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GET THE RIGHT CARE AT THE RIGHT PLACEWith many options for getting care, how do you choose? This chart can help you understand where to go for what— and how you can save money.

WHERE TO GET CARE WHAT IT IS TYPE OF CARE COSTNURSELINE Aetna 24 Hour Informed

Health Line connects you with registered nurses 24/7: 800-556-1555.

•Choosing appropriate medical care•Finding a doctor or hospital•Understanding treatment options•Achieving a healthier lifestyle•Answering medication questions

Free

TELADOC - AETNA Phone consultations similar to an office visit. Teladoc phone consultations are available 24 hours a day, 7 days a week; video consultations are available 7 a.m. to 9 p.m., 7 days a week.

•Allergies•Bronchitis •Diarrhea•Pink eye•Rashes•Fever

•Bladder infections•Sore throats•Cough/colds•Stomach aches•Sinus problems•Seasonal flu

$

VIRTUAL VISIT A virtual visit lets you see your doctor via your smartphone, tablet or computer. Availability varies by provider.

•Allergies•Bronchitis •Diarrhea•Pink eye•Rashes•Fever

•Bladder infections•Sore throats•Cough/colds•Stomach aches•Sinus problems•Seasonal flu

$

CONVENIENCE CARE CLINICS

Visit a convenience care clinic when you can’t see your doctor and your health issue isn’t urgent. These clinics are often in stores.

•Common infections (e.g. strep throat)•Minor skin conditions (e.g. poison ivy)•Vaccinations•Pregnancy tests•Minor injuries•Ear aches

$$

PRIMARY CARE PHYSICIAN

Go to a doctor’s office when you need preventive or routine care. Your primary doctor can access your medical records, manage your medications and refer you to a specialist, if needed

•Checkups•Preventive services•Minor skin conditions•Vaccinations•General health management

$$

URGENT CARE Urgent care is ideal for when you need care quickly, but it is not an emergency (and your doctor isn’t available). Urgent care centers treat issues that aren’t life threatening.

•Sprains •Minor burns•Strains •Minor infections•Small cuts that may need a few stitches•Minor broken bones

$$$

EMERGENCY ROOM

The ER is for life-threatening or very serious conditions that require immediate care. This is also when to call 911.

•Heavy bleeding •Spinal injuries •Severe head injury •Chest pain•Major burns

•Sudden weakness or trouble talking•Sudden change in vision•Major broken bones•Large open wounds•Breathing difficulty

$$$$

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Dental BenefitsKeep smiling with healthy teeth and gums. We offer dental insurance through Delta Dental of Washington that

helps pay for the cost of routine checkups—and many other types of dental work you might need. Although you are free to visit any licensed dental provider, you save the most money when you visit a Delta Dental PPO or Premier dentist when you need care. When you visit non-participating dentists, you are responsible for any charges over the plan’s allowed amounts and you may be responsible for submitting your own claims.

DELTA DENTAL BASIC PLAN DELTA DENTAL PLUS PLAN

PPO Dentist Premier and Non-participating PPO Dentist Premier and

Non-participating

Annual deductible $50/individual$150/family

$25/individual$75/family

Calendar-year Max $1,500/individual $2,500/individual

YOU PAY YOU PAY

Preventive/diagnostic services (x-rays, cleanings, exams) 0% 0% 0% 0%

Restorative services (restorations, endodontics, periodontics, oral surgery)

20% after deductible 30% after deductible 10% after deductible 20% after deductible

Major services (dentures, crowns, bridges) 50% after deductible 50% after deductible 40% after deductible 50% after deductible

TMJ-B and nonsurgical 50% after deductible 50% after deductible 50% after deductible 50% after deductible

OrthodontiaLifetime maximum

50%$1,500/individual

50%$2,500/individual

Voluntary Vision BenefitsThe vision plan is voluntary and covers periodic eye exams, eyeglasses, contact lenses, and more for you and your covered dependents. You may visit a doctor within the VSP network and take advantage of higher benefits coverage, or visit a non-VSP provider of your choice for a reduced benefit.

VSPVSP Provider (You pay) Non-VSP Provider (Plan reimburses up to)

Copay each plan year $10 N/A

WellVision exam (every 12 months)Contact lens exam/fitting

$0Up to $60 copay

Up to $50Included in allowance below

Lenses (every 12 months)Single vision lenses

Bifocal lensesTrifocal lenses

$0$0$0

Up to $50Up to $75Up to $100

Frames (every 24 months) Amount over $130 allowance (Costco: $70 allowance) Up to $70

Contact lenses (in lieu of lenses every 12 months)

Amount over $130 allowance(Costco: $70 allowance) Up to $105

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HealthCompareOpen enrollment for coverage through the public marketplaces is November 1, 2018 – December 15, 2018. HealthCompare can help you find coverage. You might even qualify for financial help. Visit healthcompare.com/Alliant for step-by-step instructions on how to find health care options for you and your family.

HealthCompare also has experts to help you. Call 877-470-3075 and get your questions answered by a licensed health insurance counselor.

When you call, you’ll need to provide some basic information, including your Social Security Number, number of people in your household, and your estimated income for 2018. They can answer all your Marketplace questions, like:

• Whether you’re eligible for government money to help you purchase health coverage

• How to find out if you qualify for Medicaid

• How to apply for coverage through the marketplace

The counselors will walk you through the process. If appropriate, they’ll also enroll you in an individual health plan through your state marketplace that fits your needs and budget.

Visit healthcompare.com/alliant for more information. Or call 877-470-3075.

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ADDITIONAL BENEFITS

IDENTITY THEFT PROTECTION AND CREDIT MONITORINGInfoArmor is an identity theft protection and credit monitoring service. This service includes:

• Free credit report every year, monthly credit scores and continuous credit monitoring

• Digital identity analysis to show your exposure online and social media monitoring

• $25,000 identity theft insurance policy to protect against the financial damages associated with identity theft such as legal expenses and lost wages

• Trained Privacy Advocates who will manage your identity theft case from start to finish and provide step-by-step assistance should it be needed

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Ben-IQ™ Mobile AppWHAT IS BEN-IQ?It’s a free smartphone app that allows you to get your health plan highlights— like deductibles, nurse line numbers, and all kinds of other information.

HOW DO I GET BEN-IQ?If you have an iPhone or Android phone, it’s as easy as 1-2-3.

1. If you have an iPhone, go to the Apple App Store. If you have an Android phone, visit Google Play

2. Search for “Ben-IQ”

3. Download and install the app

It’s free—all you have to do is accept the Terms and Conditions and you’re all set.

Username: Colliers

HOW DO I LOG IN TO BEN-IQ?Enter your username to ensure that you see the most accurate and up-to-date benefits for you and your family.

HOW DO I USE BEN-IQ?Ben-IQ has all your plan information. Use it anytime you need to know:

• Your deductible.

• Your Advice24 nurse line number.

• Your plan ID card.

• Your insurance company’s phone number.

• Definitions of healthcare terms—just turn on Ben-IQ and he’s right there to help.

• In-network providers.

• The cost of common healthcare services, like office visits, colonoscopies, blood tests and more.

• Wellness tips

Ben-IQ is a wealth of information right at your fingertips!

Benefit AdvocateIf you have a benefits question, a Benefit Advocate at Alliant is available to help you and your covered family members. BAs are benefits experts who are available to help you better understand your benefit program.

Benefit Advocates are available to assist you Monday through Friday, 7:00 a.m. to 5:00 p.m. Pacific Standard Time. You can call Alliant toll-free from anywhere in the U.S. or Canada. All calls are confidential. Your Benefit Advocate will track your issue and make sure that it is resolved. Due to HIPAA Privacy regulations, we may need to obtain your written authorization in order to assist with certain issues. Your BA will provide you with an authorization form, if needed.

Benefit AdvocatesMonday – Friday, 7:00am – 5:00pm PST

Toll-free phone number: 800.410.6571Confidential email: shall@alliant.com

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QUESTIONS ABOUT CONTACT PHONE NUMBER WEBSITE

Health

Dental Delta Dental of Washington 800-554-1907 DeltaDentalWA.com

Medical and Prescription Colliers Concierge at Aetna 888-325-3698 Aetna.com

Informed Health Line Aetna 800-556-1555 N/A

Vision VSP 800-877-7195 VSP.com

Additional Benefits

Telemedicine Teladoc 855-TELADOC(855-835-2362) Teladoc.com/aetna

Identity Theft Protection Identity Theft Protection 800-789-2720 InfoArmor.com

Colliers Benefits

Colliers Benefits Colliers Benefits Team 206-694-5274 US.benefits@colliers.com

Alliant Benefit Advocate Sharon Hall 800-410-6571 x2049118shall@alliant.com N/A

CONTACTSPlease contact the appropriate provider listed below

to learn more about a specific benefit plan.

©2018 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services.