25 Transportation/Commuter Benefit Program The Transportation/Commuter Benefit Program saves you money on taxes if you commute to and from work using public transportation. Eligible expenses include fares for bus, vanpool, subway, ferry and train. Ridesharing and parking are not eligible expenses. Once you sign up, funds are deducted from your paycheck automatically on a pre-tax basis, lowering your taxable income. For 2025, the maximum pre-tax transit contribution is $325 per month. For questions, contact HealthEquity at 877-924-3967 or visit www.healthequity.com. Life and AD&D Insurance Basic Life and AD&D Insurance To protect those who rely on your income for their support, your employer pays the full cost of basic life and accidental death & dismemberment (AD&D) insurance. This coverage is available to all full-time benefit eligible employees of an Ensign Services-affiliated company. The plan is administered by Unum and pays benefits upon your death. AD&D benefits are paid if your death is the result of a covered accident. If you die from an accidental injury, your beneficiary will receive both the basic life and AD&D benefit. AD&D also pays benefits if you are severely injured and suffer a loss such as the loss of a limb or eyesight. Coverage When Payment Is Made Benefit Amount 1, 2 Basic Life Insurance If you die from any cause • 1X salary up to $500,000 - Service Center/Cornet/ Topside/Executive Directors/Directors of Nursing • $25,000 all other eligible employees AD&D Insurance If you die from an accident the benefit amount is paid in addition to basic life insurance • 1X salary up to $500,000 - Service Center/Cornet/ Topside/Executive Directors/Directors of Nursing • $25,000 all other eligible employees If you are severely injured due to an accident and suffer a loss specified in the policy such as the loss of a limb or eyesight • A portion of the benefit, as specified in the policy 1 The benefit amount is reduced after age 65. 2 If Basic Life is greater than $50,000, you can cap your coverage at $50,000 to avoid imputed income tax. 2025 Transit Maximum: $325 per month Valuable Financial Support for Loved Ones • Covering household expenses • Relieving debt (e.g. mortgage or student loans you might leave behind) • Allowing your family members to hire someone if they need help when you are gone • Leaving an inheritance for your loved ones or even for a favorite organization • Assisting your family with the cost of your funeral or medical bills
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