CHOICES HEALTH CARE PLAN BENEFITS - MyAlcoaBenefits

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Two Types of Tobacco-Free Credits If you enroll in Alcoa medical/prescription drug benefits for 2013, you may be eligible for one or both of the following credits toward the cost of those benefits: Employee Tobacco-Free Credit If you declare yourself to be tobacco-free, you are eligible for an $880 annual credit to offset the cost of your Alcoa-provided medical/ prescription drug benefits. If you don’t enroll in medical/prescription drug benefits, you are not eligible for this credit. Dependent Tobacco-Free Credit If you declare that all of your covered dependents are tobacco-free, you are eligible for another $880 annual credit to offset the cost of your Alcoa-provided medical/ prescription drug benefits. The credit is the same regardless of how many dependents you enroll, as long as they are all tobaccofree. If you don’t enroll at least one of your dependents in medical/prescription drug benefits, you are not eligible for this credit. However, you are eligible for this credit even if you are not eligible for the Employee Tobacco-Free Credit (you use tobacco but your dependents do not). The credits are applied to your per-pay cost for your benefits. For example, if you have employee-only coverage and are paid monthly, the cost of your benefits will be reduced by $73.33 each month if you are tobacco-free. What Does It Mean To Be “Tobacco-Free”? • “Tobacco-free” means that you do not use tobacco in any form — cigarettes, cigars, pipes, snuff, or chewing tobacco. • To be considered a non-tobacco user and eligible for the tobacco-free credit: –– you must not have used any type of tobacco product for a period of 30 days before the date you elect medical/ prescription drug coverage (or for a period of 30 days before the date that you apply during the year for the credit) –– you must pledge to remain tobacco-free Using tobacco on one occasion is considered using tobacco. If you have done this within 30 days of enrollment, you are not eligible for the credit. If you or a dependent use tobacco now and quit after enrollment, you will be eligible for the credit if you submit a signed Tobacco Status Change Form (available online at MyAlcoaBenefits.com or HRDirect, or by calling 1-888-ALCOA123 (1-888-252-6212). You will receive a prorated amount of the credit. For example, if you quit in March and send in your form in April, you will receive eight months’ worth of the credit. If it is unreasonably difficult (due to a medical condition) or medically inadvisable for you or a dependent to stop using tobacco products, you may still qualify for the tobacco-free credit by having your physician complete a Tobacco Use Certification Form, which is available online at MyAlcoaBenefits.com or HRDirect, or by calling 1-888-ALCOA123 (1-888-252-6212). Providing false information related to the tobacco-free credit could result in disciplinary action up to and including termination. More information about the tobacco-free credit, including free tobacco-cessation classes, is available on MyAlcoaBenefits.com. 6 CHOICES HEALTH CARE PLAN BENEFITS
Flexible Spending Accounts You can elect two types of flexible spending accounts (FSAs) — the Health Care Fund and the Dependent (Day) Care Fund.* Your contributions are made with pre tax dollars. You can make pre tax payroll contributions to one or both funds throughout the year. Then, when you incur eligible expenses, you use your account to pay. Important: According to IRS rules, you must spend any money you set aside in a flexible spending account in 2013. You have until March 31, 2014, to submit your 2013 claims. Flexible Spending Accounts Health Care Fund The Health Care Fund can be used for a variety of out-of-pocket medical, prescription drug, dental, and vision expenses — for you and your eligible family members — that aren’t covered by any other benefit plan. Dependent (Day) Care Fund* The Dependent (Day) Care Fund can be used to cover the cost of day care for your dependent children under age 13 or adult day care while you (and your spouse, if you’re married) work or attend school full-time. You can contribute between $100 and $2,500 annually. This amount has been lowered per IRS rules. Restrictions apply if you elect the HSA medical option. Note: The Health Care Fund is completely separate from the HRA or HSA medical options. You can contribute from $100 to $5,000 annually (maximum is $2,500 if you and your spouse file separate tax returns). If you and your spouse both have a dependent care spending account, your combined contributions are limited to $5,000 per year. * Note: The Dependent (Day) Care Fund is for day care only. It can’t be used to pay for a dependent’s medical costs. CHOICES HEALTH CARE PLAN BENEFITS 7
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CHOICES HEALTH CARE PLAN BENEFITS - MyAlcoaBenefits

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