2020 Benefit Summary for Furloughed Team Members of

Penn National Gaming, Inc. & its Subsidiaries

The following is a summary of your benefit conversion rights and other information applicable to your benefits during furlough. The terms of the
plan documents govern in the event of a conflict or inconsistency with this summary.

Next Steps Contact

Health Benefits – Medical and Prescription Drug Insurance Benefits Service Center
1-866-238-9995
Your Medical and Prescription Drug insurance coverage will continue through June 30th for you and your 8 a.m. – 6 p.m. ET
covered dependents during furlough. Team Member missed contributions for medical while on furlough, will 5 a.m. – 3 p.m. PT
be caught up across multiple paychecks upon your return to work. 7 a.m. – 5 p.m. CT

Monday – Friday
HSA www.mypngamingbenefits.net
• If you were enrolled in a High Deductible Health Plan (Bronze or Bronze Plus) and have a Health
Savings Account (HSA), your available balance remains with you and is still available for use. However, Alight Smart Choice
you will be unable to make contributions to your HSA. 1-844-369-2579
• Your HSA debit card will be active. https://smart-
• Additionally, the administrative fees paid by Penn National Gaming will continue to be paid during choice.wealthcareportal.com
furlough.

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 Health Benefits –Dental and Vision Insurance Benefits Service Center
1-866-238-9995
Your dental and vision insurance coverage will end at 11:59 p.m. on March 31st for you and your covered 8 a.m. – 6 p.m. ET
dependents. You can continue your Dental and Vision through COBRA. 5 a.m. – 3 p.m. PT
7 a.m. – 5 p.m. CT
COBRA
• The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) gives you and your covered Monday – Friday
dependents the right to continue your existing group dental, and/or vision coverage for up to 18 www.mypngamingbenefits.net
months. The coverage available to you will be the same as that provided to active Team Members.
You will be billed monthly at 102% of the full insurance premium.

• The Benefits Service Center will mail you and your family a COBRA election form that includes
premium rates to your mailing address on file. To purchase this coverage, you must return the election
form and payment to the Benefits Service Center within sixty (60) days from your furlough effective
date. Premium payments for COBRA are paid directly to the Benefits Service Center.

• You can access your COBRA information by logging into your benefits website at
www.mypngamingbenefits.net or by contacting the Benefits Service Center at 1-866-238-9995
Monday through Friday from 8 a.m. to 6 p.m. ET (5 a.m. to 3 p.m. PT and 7 a.m. to 5 p.m. CT).

Basic Life and basic AD&D insurance Unum

1-800-421-0344
Your basic Life and basic AD&D insurance coverage will continue through June 30th for you during furlough.

Voluntary Life Unum

1-800-421-0344
• Your voluntary, spouse and/or child life insurance coverage (if applicable) will end at 11:59 p.m. on
March 31st. When you call for a quote of the cost,
• You can convert/port basic, voluntary, spouse and/or child life insurance coverage (if applicable), be prepared to let Unum know how
without providing evidence of insurability. Unum will mail a conversion packet that includes the Life much coverage you had on each policy
Insurance Conversion Notification of Conversion Privilege Form and a Life Insurance Election of and whether you would like the same
Portability Coverage Form to your mailing address on file with your policy conversion/portability level of coverage or a lesser amount.
options.
• You must return the completed application(s) to the Unum address on the portability or conversion
applications within 31 days of your furlough effective date and include your first premium. For
questions regarding coverage and/or premiums, contact Unum at the contact information to the right.

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 Accidental Death & Dismemberment (AD&D) Unum
1-800-421-0344
• Your voluntary AD&D insurance will end at 11:59 p.m. on March 31st. You have the right to continue
this coverage under the portability provision. This coverage is not eligible for conversion. Unum will
mail a portability packet that includes the Life Insurance Election of Portability Coverage Form to your
mailing address on file with your policy portability options. You will also use this form for AD&D as
well as life.
• You must return the completed application to the Unum address on the portability application within
31 days of your furlough effective date and include your first premium. For questions regarding
coverage and/or premiums, contact Unum at the contact information to the right.

Flexible Spending Accounts Alight Smart Choice

1-844-369-2579
• Participation in your Healthcare and/or Dependent Care Flexible Spending Account(s) ends at 11:59 https://smart-
p.m. on March 31st. You can continue to submit claims for reimbursement for eligible claims incurred choice.wealthcareportal.com
prior to 11:59 p.m. on March 31st.
• You have until March 31st of 2021 to submit claims for reimbursement for expenses incurred January 1,
2020 through 11:59 p.m. on March 31st.

COBRA
• You may choose to continue participation in your Healthcare Flexible Spending Account (HCFSA) after Benefits Service Center
your benefit furlough effective date by electing a HCFSA under COBRA. 1-866-238-9995
• This HCFSA COBRA election keeps the HCFSA active past your benefit furlough effective date so that 8 a.m. – 6 p.m. ET
you can submit expenses (up to the maximum you elected for the plan year) for claims incurred after 5 a.m. – 3 p.m. PT
11:59 p.m. on March 31st. 7 a.m. – 5 p.m. CT
• Information on how to elect HCFSA will be included in your COBRA package.
• If you elect to continue your HCFSA through COBRA, you will need to submit paper claims to the COBRA Monday – Friday
administrator since your card is automatically deactivated upon loss of benefit eligibility. www.mypngamingbenefits.net

Employee Assistance Program LifeBalance through Unum

1-800-854-1446
Participation in Employee Assistance Program (EAP) will not end during furlough. The EAP provides: counseling www.unum.com/LifeBalance
services, legal services, financial services and work/life services.

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 Voluntary Benefits – Accident, Critical Illness, Hospital Indemnity, Group Legal & Identity Theft Voya: 1-877-236-7564
https://presents.voya.com/ebrs/png
Your Voluntary Benefits will end at 11:59 p.m. on March 31st. You will receive individual billing options for the Hyatt Group Legal: 1-800-821-6400
different programs. You can continue all voluntary coverage after you leave Penn National Gaming. https://info.legalplans.com/Home
InfoArmor : 1-800-789-2720
www.infoarmor.com/exchangepa
p

Penn National Gaming, Inc. 401(k) Plan

Your participation in the Penn National Gaming, Inc. 401(k) Plan will not terminate upon furlough. To initiate a distribution or loan and to
find out more about your options
Distributions or rollovers are not permitted unless termination from employment occurs, other than for the following under the plan, contact:
reasons:
Wells Fargo
In-Service 59 ½ Withdrawals – anyone age 59 ½ or older is eligible to take funds out of their 401k, not subject to 1-800-SAVE-123 (1-800-728-3123) or log
penalty (this is still considered a taxable distribution) into your account at:
www.wellsfargo.com
Hardship Withdrawal - Hardships can be taken due to immediate and heavy financial need to the employee. The IRS
regulations currently stipulate hardship qualifications as: A Wells Fargo representative is
- Medical care expenses for the employee, the employee’s spouse, dependents or beneficiary available to answer questions.
- Costs directly related to the purchase of an employee’s principal residence (excluding mortgage payments)
- Tuition, related educational fees and room and board expenses for the next 12 months of postsecondary
education for the employee or the employee’s spouse, children, dependents or beneficiary87
- Payments necessary to prevent the eviction of the employee from the employee’s principal residence or
foreclosure on the mortgage on that residence
- Funeral expenses for the employee, employee’s spouse, children, dependents or beneficiary
- Certain expenses to repair damage to the employee’s principal residence
The amount of a hardship distribution must be limited to the amount necessary to satisfy the need. Funds can only
be withdrawn from the employee’s vested amount in the Plan. Hardship withdrawals are considered taxable
distributions.

Team Members will be able to now take up to two (2) 401k loans (on or after April 1, 2020). The IRS limitations
regarding 401k loans still apply, in that total loans cannot exceed $50,000 nor can they exceed 50% of a team
member’s vested balance.

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 Paycheck Stubs, W2s and Address Changes Self Service Portal
www.mypngaming.com
• Team member data is in the Self-Service Portal.

If any of your contact information changes, please update the new information in the Self-Service Portal.

Property Contact

LBI-HR@pngaming.com

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