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IMPORTANT CONTACTS

to your 2026-2027 Sinai Akiba Academy Employee Benefits Program! You are an important part of Sinai Akiba Academy’s success and we want to reward you with a comprehensive benefits program.

We are pleased to offer a benefits package intended to protect your well-being and financial health. This guide is your opportunity to learn more about the benefits available to you and your eligible dependents beginning July 1, 2026.

Each year during Open Enrollment (OE), you have the opportunity to make changes to your benefit plans. The enrollment decisions you make this year will remain in effect through June 30, 2027. To get the best value from your health care plan, please take the time to evaluate your coverage options and determine which plans best meet the health care and financial needs for your family. After OE, you may make changes to your benefit elections only when you have a Qualifying Life Event (QLE).

If you are a new hire, you must elect or decline benefits within 30 days of your hire date.

Use BenefitsInHand to enroll. See page 4 for details.

ELIGIBILITY

You are eligible for benefits if you are a regular, full-time employee working an average of 30 hours per week. Your coverage is effective the first day of the month following your date of hire, or immediately if your hire date is the first day of the month. You may also enroll eligible dependents for benefits coverage.

The cost to you for dependent coverage depends on the number of dependents you enroll and the particular plans you choose. When covering dependents, you must select the same plans for your dependents as you select for yourself.

Eligible Dependents

z Your legal spouse

z Children under the age of 26 regardless of student, dependency, or marital status

z Children over the age of 26 who are fully dependent on you for support due to a mental or physical disability and who are indicated as such on your federal tax return

Qualifying Life Events

Your benefit elections remain in effect for the entire plan year until the following OE. You may only change coverage during the plan year if you have a QLE such as marriage, divorce, birth or adoption, loss of other coverage, etc. You must notify Human Resources in a timely manner if any of these events occur. Please contact Human Resources for a full list of QLEs and the notification time frames required for requested changes.

ENROLLMENT

How to Enroll

To begin the enrollment process, go to www.benefitsinhand.com. First-time users, follow steps 1-4. Returning users, log in and start at step 5.

1. If this is your first time to log in, click on the New User Registration link. Once you register, you will use your username and password to log in.

2. Enter your personal information and company identifier of Sinai3 and click Next .

3. Create a username (work email address recommended) and password, then check the I agree to terms and conditions box before you click Finish

4. If you used an email address as your username, you will receive a validation email to that address. You may now log in to the system.

5. Click the Start Enrollment button to begin the enrollment process.

6. Confirm or update your personal information and click Save & Continue.

7. Edit or add dependents who need to be covered on your benefits, then click Save & Continue

8. Follow the steps on the screen for each benefit to make your selection. Please notice there is an option to decline coverage. If you wish to decline, click the Don’t want this benefit? button and select the reason for declining.

9. Once you have elected or declined all benefits, you will see a summary of your selections. Click the Click to Sign button. Your enrollment will not be complete until you click the Click to Sign button.

HOW DIFFERENCE CARD HELPS YOU

Scan this code with your camera app to get helpful resources at your fingertips.

Difference Card works alongside your medical plan to help reduce eligible out-of-pocket health care costs like deductibles, copays, and coinsurance – but it is not insurance. It’s a benefit designed to help make health care expenses more affordable and predictable. Difference Card is

z Lowers eligible deductibles, copays, and coinsurance

z Works with your existing medical plan

z Simple to use - just present your ID card when receiving care

z Make health care expenses more predictable

z Manage your benefits anywhere

DIFFERENCE CARD SMART MOBILE APP

Use the mobile app to easily:

z Snap a photo to submit claims

z Find the lowest-cost pharmacy for prescriptions

z Compare costs and search for providers

z View your account balance

z Check claim status

z Sign up for direct deposit

DIFFERENCE CARD

Difference Card supplements your Anthem medical plan by helping pay eligible copays, deductibles, and other covered medical expenses through employer-funded assistance.

Difference Card is not an insurance plan. It works alongside your medical coverage to help reduce eligible out-of-pocket costs.

How The Difference Card Works

For Office Visit Copays

1. Present your medical ID card at your appointment.

2. Once your provider tells you the total amount due, reference your Difference Card sticker to identify the portion covered by Difference Card.

3. Swipe your Difference Card for the eligible amount. It is important to swipe the card only for the eligible Difference Card amount, or the transaction may decline.

4. Pay any remaining balance, if applicable.

For Major Medical Services

For services such as hospitalizations, surgeries, advanced imaging, or other high-cost medical services:

1. Your provider submits the claim to your insurance carrier first.

2. Your insurance carrier processes the claim and issues an Explanation of Benefits (EOB).

3. Submit the EOB to Difference Card if reimbursement or additional payment processing is required.

4. Please do not pay large medical bills upfront before insurance processes the claim.

What to Keep in Mind

z Difference Card covers eligible expenses only, as defined by your plan

z It is not a separate health plan and does not replace your medical coverage

z You must have an in-network medical claim for the Difference Card to apply

Registration and Contact Information

z Visit www.differencecard.com

z Call 888-343-2110

z Download the Difference Card Smart Mobile app

If you still have questions, call your benefits team.

MEDICAL COVERAGE

The medical plan options through Anthem Blue Cross protect you and your family from major financial hardship in the event of illness or injury.

You have a choice of three plans:

z Base HMO

z Full HMO z Buy-up PPO

Base HMO

With the Base HMO, you must seek a primary care physician from the Anthem Vivity Health Maintenance Organization (HMO) network who will provide or coordinate your care. While prior authorization is not needed to see a network obstetrician/gynecologist, it may be needed for certain services. This plan’s network includes Cedars-Sinai and UCLA.

Full HMO

Find an In-Network Provider

Visit www.anthem.com/ca/find-doctor to search for in-network providers.

z Base HMO – select from the Vivity HMO network

z Full HMO – select from the California Care HMO network

z Buy-up PPO – select from the Prudent Buyer Classic PPO network

The California Care network is larger and more robust than the Base HMO network.

With the Full HMO, you must seek a primary care physician from the California Care HMO network who will provide or coordinate your care. While prior authorization is not needed to see a network obstetrician/gynecologist, it may be needed for certain services. This plan’s network includes Cedars-Sinai and UCLA.

Buy-up PPO

The Buy-up PPO allows you to see any provider when you need care. However, when you see providers in the Anthem Prudent Buyer Classic Preferred Provider Organization (PPO) network for care, you will pay less and get the highest level of benefits. While prior authorization is not needed to see a network obstetrician/gynecologist, it may be needed for certain services.

Note: PPO plan participants may use The Difference Card only when receiving care from in-network providers.

Sydney Health Mobile App

Download the Sydney Health app for everything you need to know about your Anthem Blue Cross benefits:

z Find care and check costs

z See all of your benefits

z View claims

z Access a digital ID card

z Use the interactive chat feature to get answers quickly

Up to a 30-day supply

Tier 1a: Low cost generic

Tier 1b: Typically generic

Tier 2: Typically preferred brand and non-preferred brand

Tier 3: Non-preferred brand

Tier 4:

Home Delivery Pharmacy

Up to a 90-day supply

Tier 1a: Low cost generic

Tier 1b: Typically generic

Tier 2: Typically preferred brand and non-preferred brand

Tier 3: Non-preferred brand

Tier 4: Preferred

1 Important Note: This plan does NOT include out-of-network benefits. Members are responsible for 100% of out-of-network charges.

2 Coinsurance applies after deductible. Member pays 30% of charges until you have paid $500.

3 Includes deductible, coinsurance, and copays. 4 PCP Selection and Referrals required.

5 The last $1,500/$3,000 may be met through deductible, coinsurance, and

Retail Pharmacy

Up to a 30-day supply

Tier 1a: Low cost generic

Tier 1b: Typically generic

Tier 2: Typically preferred brand and non-preferred brand

Tier 3: Non-preferred brand

Tier 4: Preferred specialty

Home Delivery Pharmacy

Up to a 90-day supply

Tier 1a: Low cost generic

Tier 1b: Typically generic

Tier 2: Typically preferred brand and non-preferred brand

Tier 3: Non-preferred brand

Tier 4:

Up to a 30-day supply

Tier 1a: Low cost generic

Tier 1b: Typically generic

Tier 2: Typically preferred brand and non-preferred brand

Tier 3: Non-preferred brand

Tier 4: Preferred specialty

Home Delivery Pharmacy

Up to a 90-day supply

Tier 1a: Low cost generic

Tier 1b: Typically generic

Tier 2: Typically preferred brand and non-preferred brand

Tier 3: Non-preferred brand

Tier 4: Preferred specialty

3 Includes deductible, coinsurance, and copays.

4 The

VIRTUAL VISITS

Your medical coverage offers telemedicine services through Anthem Blue Cross. Connect anytime day or night with a board-certified doctor or licensed counselor/psychiatrist via your mobile device or computer.

When to Use Virtual Visits

While telemedicine does not replace your primary care physician, it is a convenient and cost-effective option when you need care or medicine and:

z Have a non-emergency issue and are considering an after hours health care clinic, urgent care clinic, or emergency room for treatment

z Are on a business trip, vacation, or away from home

z Are unable to see your primary care physician

Use telemedicine services for minor conditions such as:

z Sore throat

z Headache

z Stomachache

z Cold

z Flu

z Allergies

z Fever

z Urinary tract infections

z Dermatology issues

z Behavioral/Mental health issues

Do not use telemedicine for serious or life-threatening emergencies.

Registration is Easy

z Visit – www.anthem.com/ca/register Select Care and then select Virtual Video Visit with a Provider

z Download – Scan the QR code to download the Sydney Health app. Select Care and then select Video Visits

PREVENTIVE CARE

Annual preventive checkups can help you and your doctor identify your baseline level of health and detect issues before they become serious.

Health insurers are required by law to cover a set of preventive services and immunizations at no cost to you, even if you have not met your yearly deductible. The preventive care services you will need to stay healthy vary by age, sex, and medical history.

Typical Screening for Adults

z Blood pressure

z Cholesterol

z Diabetes

z Colorectal cancer

z Depression

z Prostate cancer

z Testicular exam

z Mammograms

z OB/GYN screening

z Prostate cancer

Typical Screening for Children

z Newborn screening

z Development and behavioral assessments

z Diabetes

z Hearing

z Lead testing

Important

Preventive care is covered in full only when obtained from your in-network doctor. Exams performed by specialists are generally not considered preventive and may not be covered at 100%. Certain screenings may be considered diagnostic, not preventive, based on your current medical condition. You may be responsible for paying all or a share of the cost for those screening services. If you are unsure a service will be covered as preventive care, ask your doctor.

ANTHEM BLUE CROSS VALUE ADDS

Employee Assistance Program

If you enroll for medical coverage under our benefits program, you will have access to online video visits and private chats with a psychologist or licensed therapist. LiveHealth Online provides free, confidential, and caring support when you need help dealing with personal issues such as:

z Stress and anxiety

z Depression

z Relationship or family problems

z Grief

z Panic attacks

z Substance abuse

Get Help Now

Making an appointment is easy. To schedule a video visit or private texting session:

z Visit – www.livehealthonline.com

z Call – 844-784-8409

z Download – the LiveHealth mobile app

24/7 NurseLine

Call 800-337-4770 for immediate access to registered nurses who can answer general health questions, make appointments with your doctor, and help determine where to go for immediate or emergency health care services. You can also access an audio library of more than 1,000 healthrelated topics in both English and Spanish.

Pregnancy Support

The Building Healthy Families program can support you throughout your pregnancy, so you have a safe delivery and a healthy child. Sign up early in your pregnancy for support that includes:

z 24-hour nurse advice line

z Screenings for depression or early delivery risks

z Free phone calls with specialists, if needed

z Information about your pregnancy with tips to keep you and your baby safe and well

Participation is free and easy. Simply call 866-664-5404 to enroll.

Anthem Blue Cross Discounts

Included with your medical coverage are discounts on products and services that help promote better health and well-being. These discounts are available through SpecialOffers to help save money while taking care of your health. Discounts include:

z Vision, hearing, and dental care

z Health and fitness

z Family and home

z Medicine and treatments

DENTAL COVERAGE

Our dental plans through Guardian help maintain fresh breath, healthy gums and teeth, and other dental work.

DHMO PLAN

If you enroll in the DHMO plan, you must select a primary care dentist (PCD) from the DHMO network directory to manage your care. Eligible dependents may each choose their own PCD. Dental services are unlimited and have fixed copays. There are no deductibles or claim forms to file. There is no coverage for services provided without a referral from your PCD or if you seek care from out-of-network providers. This plan utilizes Guardian’s Managed Dental Care (CA) DHMO network.

DPPO PLAN

Two levels of benefits are available with the DPPO plan: in-network and out-of-network. You may see any dental provider for care, but you will pay less and get the highest level of benefits with in-network providers. You could pay more if you use an out-of-network provider. This plan utilizes Guardian’s Dental Guard network.

Dental Summary

Maximum Rollover Program

If you enroll in the DPPO dental plan, you will automatically be enrolled in the Guardian Maximum Rollover Program. This program rewards you for going to the dentist regularly to prevent or detect the early signs of serious diseases. If you submit a claim (without exceeding the paid claims threshold of a benefit year), Guardian will roll over part of your unused annual maximum into a Maximum Rollover Account (MRA). This can be used in future years if your plan’s annual maximum is reached. View your MRA statement at www.guardiananytime.com or call 800-541-7846.

How the MRA works:

You must have less than the threshold of $700 in annual claims to be eligible for the rollover benefit.

If you qualify, $500 in rollover will be added to your plan’s annual maximum for future years.

3. The rollover account has a maximum rollover amount of $1,250.

Find an In-Network Provider

You may see any dentist and receive benefits. However, using in-network Guardian dentists will save you money. Out-of-network dentists do not have to accept discounted fees. Visit www.guardiananytime.com or call 800-541-7846.

* Payment is based on a fee-per-service schedule. See plan summary of benefits for more details.

** Payment for covered services received from an out-ofnetwork dentist is based on the 90th percentile of Usual, Customary, and Reasonable (UCR) charges.

*** Guardian Dental offers a maximum rollover benefit. See plan summary of benefits for more details.

Refer to the Guardian Dental patient charge schedule for details.

VISION COVERAGE

Our vision plan provides quality care to help preserve your health and eyesight. In addition to identifying vision and eye problems, regular exams can detect certain medical issues such as diabetes and high cholesterol. Plan benefits are better if you use an in-network provider. Coverage is provided through Guardian using the Davis Vision Network.

Exam

Once every 12 months

Lenses*

Once every 12 months

Single vision

Lined bifocal

Lined trifocals Lenticular

Once every 24 months

Contacts

In lieu of lenses and frames. Once every 12 months Fitting and evaluation

*Members can receive a deeper discount on lens enhancements through Davis Vision Designer Plan, included in the Guardian Vision plan. Please see policy booklet for more details.

FLEXIBLE SPENDING ACCOUNTS

A Flexible Spending Account (FSA) allows you to set aside pretax dollars from each paycheck to pay for certain IRS-approved health and dependent care expenses. We offer two FSAs: one for health care expenses and one for dependent care expenses. Difference Card administers our FSAs.

Health Care FSA

The Health Care FSA covers qualified medical, dental, and vision expenses for you or your eligible dependents. You may contribute up to $3,400 annually to a Health Care FSA and you are entitled to the full election from day one of your plan year. Eligible expenses include:

z Dental and vision expenses

z Medical deductibles and coinsurance

z Prescription copays

z Hearing aids and batteries

You may not contribute to a Health Care FSA if you enrolled in a High Deductible Health Plan and contribute to a Health Savings Account.

How the Health Care FSA Works

You can access the funds in your Health Care FSA two different ways:

z Use your Difference Card Debit Card to pay for qualified expenses, doctor visits, and prescription copays

z Pay out-of-pocket and submit your receipts for reimbursement:

• Visit – www.differencecard.com/ for-members/resources/submit-a-claim

• Call – 888-343-2110

• Fax – 602-333-4252

Important FSA Rules

z The maximum per plan year you can contribute to a Health Care FSA is $3,400. The maximum per plan year you can contribute to a Dependent Care FSA is $7,500 when filing jointly or head of household and $3,750 when married filing separately

z You cannot change your election during the year unless you experience a QLE

z Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses

z You can continue to file claims incurred during the plan year for another 30 days, up until July 31

z The IRS has amended the “use it or lose it” rule to allow you to carry over up to $680 in your Health Care FSA into the next plan year. The carryover rule does not apply to your Dependent Care FSA

Difference Card Debit Card

The Difference Card Debit Card gives you immediate access to funds in your Health Care FSA when you make a purchase without needing to file a claim for reimbursement. If you use the debit card to pay anything other than a copay amount, you will need to submit an itemized receipt or an Explanation of Benefits. If you do not submit your receipts, you will receive a request for substantiation. If substantiation is required, reminder notices will be sent and the request will remain flagged on your account until completed. Difference Card does not deactivate cards. Check the expiration date on your card to see when you should order a replacement card(s).

Dependent Care FSA

The Dependent Care FSA helps pay for expenses associated with caring for elder or child dependents so you or your spouse can work or attend school full-time. You can use the account to pay for daycare or babysitter expenses for your children under age 13 and qualifying older dependents, such as dependent parents. Reimbursement from your Dependent Care FSA is limited to the total amount deposited in your account at that time. To be eligible, you must be a single parent or you and your spouse must be employed outside the home, disabled, or a full-time student. The funds in your Dependent Care FSA are use it or lose it. They will not carry over to the following year.

Dependent Care FSA Guidelines

z Overnight camps are not eligible for reimbursement (only day camps can be considered)

z If your child turns 13 midyear, you may only request reimbursement for the part of the year when the child is under age 13

z You may request reimbursement for care of a spouse or dependent of any age who spends at least eight hours a day in your home and is mentally or physically incapable of self-care

z The dependent care provider cannot be your child under age 19 or anyone claimed as a dependent on your income taxes

Health Care FSA

Dependent Care FSA

Most medical, dental, and vision care expenses that are not covered by your health plan (such as copayments, coinsurance, deductibles, eyeglasses and doctor-prescribed overthe-counter medications)

Dependent care expenses (such as daycare, afterschool programs or eldercare programs) so you and your spouse can work or attend school full-time

Maximum contribution is $3,400 per year

Saves on eligible expenses not covered by insurance; reduces your taxable income

Maximum contribution is $7,500 per year ($3,750 if married and filing separate tax returns) Reduces your taxable income

LIFE AND AD&D INSURANCE

Basic Life and Accidental Death and Dismemberment (AD&D) insurance through Guardian are important to financial security, especially if others depend on you for support or vice versa.

With Life insurance, you or your beneficiary(ies) can use the coverage to pay off debts such as credit cards, loans, and bills. AD&D coverage provides specific benefits if an accident causes bodily harm or loss (e.g., the loss of a hand, foot, or eye). If death occurs from an accident, 100% of the AD&D benefit would be paid to you or your beneficiary(ies).

Basic Life and AD&D

Sinai Akiba Academy provides Basic Life and AD&D insurance at no cost to you. You are automatically covered at $20,000 for each benefit if you meet the eligibility requirements.

Designating a Beneficiary

A beneficiary is the person or entity you elect to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary, and you can change beneficiaries at any time. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%).

Voluntary Life and AD&D

You may buy more Life and AD&D insurance for you and your eligible dependents. You may purchase up to a plan maximum of $500,000. If you do not elect Voluntary Life and AD&D insurance when first eligible or if you want to increase your benefit amount at a later date, you must show proof of good health. You must elect Voluntary Life and AD&D coverage for yourself before you may elect coverage for your spouse or children. If you leave the company, you may be able to take the insurance with you. Benefits reduce by 35% at age 65, and 50% at age 75. All coverage terminates at retirement.

z Birth to 14 days – $500

z 14 days to age 26 – $1,000-$10,000 in $1,000 increments, not to exceed 100% of employee amount z Guaranteed Issue $20,000

DISABILITY INSURANCE

Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. Short Term Disability (STD) is available to purchase and Sinai Akiba Academy provides Long Term Disability (LTD) insurance at no cost to you and through Guardian.

Voluntary Short Term Disability

STD coverage pays a percentage of your weekly salary if you are temporarily disabled and unable to work due to an illness, pregnancy, or non-workrelated injury. STD benefits are not payable if the disability is due to a job-related injury or illness. If a medical condition is job-related, it is considered workers’ compensation, not STD.

Short Term Disability

Employer-paid Long Term Disability

LTD insurance pays a percentage of your monthly salary for a covered disability or injury that prevents you from working for more than 90 days. Benefits begin at the end of an elimination period and continue while you are disabled up to age 65.

Long Term Disability

*Benefits

*Benefits may not be paid for any condition treated within three months prior to your effective date until you have been covered under this plan for 12 months.

GUARDIAN VOLUNTARY BENEFITS

You have the opportunity to enroll in additional coverage that complements our traditional health care programs.

Health insurance covers medical bills, but if you have an emergency, you may face unexpected outof-pocket costs such as deductibles, coinsurance,

Accident Insurance

travel expenses, and non-medical expenses. These voluntary benefit plans are offered through Guardian, and are portable, meaning you may continue coverage if you leave the company.

For a full list of coverage for each plan and specific benefit information, refer to the applicable insurance contract.

Accident insurance provides affordable protection against an accident that occurs on or off the job. An Accident plan helps offset the direct and indirect expenses resulting from an accident, whether minor or catastrophic. Lump-sum benefits are paid directly to you based on the amount of coverage listed in the schedule of benefits. The Accident base plan is Guarantee Issue, so no health questions are required.

Below are only a few examples of the covered accidents and benefit amounts you will receive:

Specific Sum Injuries

Concussions, burns, dislocations, eye injuries, fractures, lacerations, ruptured discs, and more

Accidental Death & Dismemberment

Critical Illness

Critical Illness insurance helps pay the cost of non-medical expenses related to a covered critical illness or cancer. The plan provides a lump-sum benefit payment to you upon first and second diagnosis of any covered critical illness or cancer. The benefit can help cover expenses such as lost income, out-of-town treatments, special diets, daily living, and household upkeep costs. The benefit is based on the amount of coverage in effect on the date of diagnosis or the date treatment is received. See policy terms and provisions for details. A few examples of the conditions and benefit amounts you will receive:

Full Coverage

Coma; heart attack; heart failure; invasive cancer; kidney failure; loss of speech, sight or hearing; Lou Gehrig’s disease (ALS); organ failure; Parkinson’s disease; severe burns; stroke

Childhood Conditions

Cerebral Palsy; cleft lip/palate; club foot; cystic fibrosis; Down syndrome; muscular dystrophy; spina bifida; type 1 Diabetes

Partial Coverage

Addison’s disease, Alzheimer’s disease; benign brain tumor; carcinoma in situ; coronary arteriosclerosis; Huntington’s disease; multiple sclerosis

Monthly Critical Illness

*Child coverage is included with employee cost.

GUARDIAN VALUE-ADDS

Employee Assistance Program

Guardian, in partnership with ComPsych GuidanceResources, provides an Employee Assistance Program (EAP) that can help you and family members cope with a variety of personal and work-related issues. This program provides confidential virtual counseling and support services at little or no cost to you to help with:

z Relationships

z Work-life balance

z Stress and anxiety

z Will preparation and estate resolution

z Grief and loss

z Childcare and eldercare resources

z Substance abuse

z Financial consultations

The EAP is strictly confidential. No information about your participation in the program is disclosed to your employer.

Get three face-to-face sessions per issue per year with a certified therapist. These sessions can be used for you or your covered dependents. Additional sessions can be purchased at a discounted rate.

Support Any Hour of the Day or Night

z Visit – www.guidanceresources.com

z Call – 855-239-0743

z Download – the GuidanceNow app

Global Emergency Travel Assistance

Included with Accident

You have emergency medical and travel assistance through Guardian and Assist America. The program is available when traveling 100 miles or more from your home. Services include:

z 24/7 travel emergency assistance

z 24/7 ID theft protection services

z Medical emergency and lost or forgotten prescription assistance

z Additional emergency assistance services (lost luggage, interpreter, etc.)

Travel Emergency Assistance

z Call – 800-872-1414 (within the United States)

z Call – 609-986-1234 (outside the Unites States)

z Email – medservices@assistamerica.com

z Download – the Assist America app

Reference number 01-AA-GLI-10231

ID Theft Assistance

z Call – 877-409-9597 (within the United States)

z Call – 816-396-9192 (outside the United States) Access code 18327

Assist America must coordinate services and support.

Caregiving Service

Included with LTD

The caregiving support offered through Guardian and Wellthy can tailor a plan for your caregiving needs. With these caregiving support services, you can plan for future care duties, get guidance for your current needs, or connect with others who are navigating care for similar situations. Visit www.guardianwell.com to register for an account and access self-serve tools, resources, and dedicated support. First-time users will need to register.

Cancer Support

Included with LTD

Get personal, empathetic support to help you navigate a cancer diagnosis. Guardian partners with Osara Health to bring cancer support services that can help you focus on your holistic well-being throughout your treatment. Access this unique six- to 12-week program at no additional cost to you. The program offers a dedicated health coach, digital resource modules, and tailored well-being information. Guardian will proactively provide details about this service as part of the disability claims process.

Tobacco Cessation Program

Included with Dental

If you are enrolled in a Guardian dental plan (and are age 15 or older), the Guardian and Pelago tobacco cessation program can help you quit smoking, tobacco, or vaping – for good. This program, available at no cost to you, has a high success rate and offers:

z Qualified coaches to help guide you through your recovery journey

z Tracking tools to track your triggers, cigarettes smoked, dollars saved, and health progress

z Audio lessons and exercises to teach you how to deal with cravings

z Support tools to manage cravings and reach your goals

z Gum and patches to manage and reduce cravings

RETIREMENT AND SAVINGS PLANS

Section 125 Premium Only Plan

The Section 125 Premium Only Plan is a pretax benefit plan to help pay for medical, dental and supplemental life insurance premiums. Since premiums are deducted before taxes, your taxes are calculated on the new gross amount. This pretax benefit reduces the taxable amount of your gross wages, which increases your net pay. The medical maximum is $3,400 and the childcare maximum is $7,500.

Employer-Funded Retirement Plan

As an active and eligible employee of Sinai Akiba Academy, you will have an account established in your name that will continue to grow, at absolutely no cost to you because it is fully funded by the company. After one year of employment, the company contributes 6% of annual gross toward your retirement plan. The company has the discretion to change this contribution in any plan year.

To be eligible for the retirement plan, you must be at least 21 years of age, work a minimum of 750 hours per plan year, and be less than 70 years of age at the time of enrollment. Eligibility begins after your 12-month anniversary, and continues to the next enrollment date (July 1, October 1, January 1, or April 1).

For More Information

For more plan details, contact Edward Choi at edward.choi@morganstanley.com or Sean Melendez at sean.melendez@ morganstanley.com

Vesting

403(b) Plan

It is easier than ever to plan and save for retirement. Whether it is years down the road or just around the corner, you can get started right now. A 403(b) plan provided through Voya is a retirement savings plan for nonprofit organizations that has special tax benefits. This plan offers mutual funds and annuity options, which you may select based on your personal/financial needs.

You may contribute to the employee-funded salary deferral retirement plan beginning the day you are hired if you are at least 18 years of age.

For more details, contact Voya at 800-584-6001 (plan #664FS9). To enroll, visit https://my.voya.com

IMPORTANT NOTICES

WOMEN’S HEALTH AND CANCER RIGHTS ACT OF 1998

In October 1998, Congress enacted the Women’s Health and Cancer Rights Act of 1998. This notice explains some important provisions of the Act. Please review this information carefully.

As specified in the Women’s Health and Cancer Rights Act, a plan participant or beneficiary who elects breast reconstruction in connection with a mastectomy is also entitled to the following benefits:

• All stages of reconstruction of the breast on which the mastectomy was performed;

• Surgery and reconstruction of the other breast to produce a symmetrical appearance; and

• Prostheses and treatment of physical complications of the mastectomy, including lymphedema.

Health plans must determine the manner of coverage in consultation with the attending physician and the patient. Coverage for breast reconstruction and related services may be subject to deductibles and coinsurance amounts that are consistent with those that apply to other benefits under the plan.

SPECIAL ENROLLMENT RIGHTS

This notice is being provided to ensure that you understand your right to apply for group health insurance coverage. You should read this notice even if you plan to waive coverage at this time.

Loss of Other Coverage or Becoming Eligible for Medicaid or a state Children’s Health Insurance Program (CHIP)

If you are declining coverage for yourself or your dependents because of other health insurance or group health plan coverage, you may be able to later enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage). However, you must enroll within 31 days after your or your dependents’ other coverage ends (or after the employer that sponsors that coverage stops contributing toward the other coverage).

If you or your dependents lose eligibility under a Medicaid plan or CHIP, or if you or your dependents become eligible for a subsidy under Medicaid or CHIP, you may be able to enroll yourself and your dependents in this plan. You must provide notification within 60 days after you or your dependent is terminated from, or determined to be eligible for, such assistance.

Marriage, Birth or Adoption

If you have a new dependent as a result of a marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must enroll within 31 days after the marriage, birth, or placement for adoption.

For More Information or Assistance

To request special enrollment or obtain more information, contact:

Sinai Akiba Academy Human Resources

10400 Wilshire Blvd Los Angeles, CA 90024 310-475-6401

YOUR PRESCRIPTION DRUG COVERAGE AND

MEDICARE

Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Sinai Akiba Academy and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to enroll in a Medicare drug plan. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.

If neither you nor any of your covered dependents are eligible for or have Medicare, this notice does not apply to you or the dependents, as the case may be. However, you should still keep a copy of this notice in the event you or a dependent should qualify for coverage under Medicare in the future. Please note, however, that later notices might supersede this notice.

1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage through a Medicare Prescription Drug Plan or a Medicare Advantage Plan that offers prescription drug coverage. All Medicare prescription drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.

2. Sinai Akiba Academy has determined that the prescription drug coverage offered by the Sinai Akiba Academy medical plan is, on average for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage pays and is considered Creditable Coverage.

Because your existing coverage is, on average, at least as good as standard Medicare prescription drug coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to enroll in a Medicare prescription drug plan, as long as you later enroll within specific time periods.

You can enroll in a Medicare prescription drug plan when you first become eligible for Medicare. If you decide to wait to enroll in a Medicare prescription drug plan, you may enroll later, during Medicare Part D’s annual enrollment period, which runs each year from October 15 through December 7 but as a general rule, if you delay your enrollment in Medicare Part D after first becoming eligible to enroll, you may have to pay a higher premium (a penalty).

You should compare your current coverage, including which drugs are covered at what cost, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area. See the Plan’s summary plan description for a summary of the Plan’s prescription drug coverage. If you don’t have a copy, you can get one by contacting Sinai Akiba Academy at the phone number or address listed at the end of this section. If you choose to enroll in a Medicare prescription drug plan and cancel your current Sinai Akiba Academy prescription drug coverage, be aware that you and your dependents may not be able to get this coverage back. To regain coverage, you would

have to re-enroll in the Plan, pursuant to the Plan’s eligibility and enrollment rules. You should review the Plan’s summary plan description to determine if and when you are allowed to add coverage.

If you cancel or lose your current coverage and do not have prescription drug coverage for 63 days or longer prior to enrolling in the Medicare prescription drug coverage, your monthly premium will be at least 1% per month greater for every month that you did not have coverage for as long as you have Medicare prescription drug coverage. For example, if nineteen months lapse without coverage, your premium will always be at least 19% higher than it would have been without the lapse in coverage.

For more information about this notice or your current prescription drug coverage:

Contact the Human Resources Department at 310-475-6401.

NOTE: You will receive this notice annually and at other times in the future, such as before the next period you can enroll in Medicare prescription drug coverage and if this coverage changes. You may also request a copy.

For more information about your options under Medicare prescription drug coverage:

More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You will get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. For more information about Medicare prescription drug coverage:

• Visit www.medicare.gov.

• Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help.

• Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 877-486-2048.

If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. Information about this extra help is available from the Social Security Administration (SSA) online at www.socialsecurity.gov, or you can call them at 800-772-1213. TTY users should call 800325-0778

Remember: Keep this Creditable Coverage notice. If you enroll in one of the new plans approved by Medicare which offer prescription drug coverage, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and whether or not you are required to pay a higher premium (a penalty).

July 1, 2026

Sinai Akiba Academy Human Resources 10400 Wilshire Blvd Los Angeles, CA 90024 310-475-6401

NOTICE OF HIPAA PRIVACY PRACTICES

This notice describes how medical information about you may be used and disclosed and how you can access this information. Please review it carefully.

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) imposes numerous requirements on employer health plans concerning the use and disclosure of individual health information. This information known as protected health information (PHI), includes virtually all individually identifiable health information held by a health plan – whether received in writing, in an electronic medium or as oral communication. This notice describes the privacy practices of the Employee Benefits Plan (referred to in this notice as the Plan), sponsored by Sinai Akiba Academy, hereinafter referred to as the plan sponsor.

The Plan is required by law to maintain the privacy of your health information and to provide you with this notice of the Plan’s legal duties and privacy practices with respect to your health information. It is important to note that these rules apply to the Plan, not the plan sponsor as an employer.

You have the right to inspect and copy protected health information which is maintained by and for the Plan for enrollment, payment, claims and case management. If you feel that protected health information about you is incorrect or incomplete, you may ask the Human Resources Department to amend the information. For a full copy of the Notice of Privacy Practices describing how protected health information about you may be used and disclosed and how you can get access to the information, contact the Human Resources Department.

Complaints: If you believe your privacy rights have been violated, you may complain to the Plan and to the Secretary of Health and Human Services. You will not be retaliated against for filing a complaint. To file a complaint, please contact the Privacy Officer.

Sinai Akiba Academy Human Resources 10400 Wilshire Blvd Los Angeles, CA 90024 310-475-6401

Conclusion

PHI use and disclosure by the Plan is regulated by a federal law known as HIPAA (the Health Insurance Portability and Accountability Act). You may find these rules at 45 Code of Federal Regulations Parts 160 and 164. The Plan intends to comply with these regulations. This Notice attempts to summarize the regulations. The regulations will supersede any discrepancy between the information in this Notice and the regulations.

PREMIUM ASSISTANCE UNDER MEDICAID AND THE CHILDREN’S HEALTH INSURANCE PROGRAM (CHIP)

If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov.

If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.

If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan.

If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272).

If you live in one of the following States, you may be eligible for assistance paying your employer health plan premiums. The following list of States is current as of January 31, 2026. Contact your State for more information on eligibility.

CALIFORNIA– MEDICAID

Health Insurance Premium Payment (HIPP) Program

Website: http://dhcs.ca.gov/hipp Phone: 916-445-8322 Fax: 916-440-5676

Email: hipp@dhcs.ca.gov

To see if any other States have added a premium assistance program since January 31, 2026 , or for more information on special enrollment rights, can contact either:

U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272)

U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565

YOUR

RIGHTS AND PROTECTIONS AGAINST SURPRISE MEDICAL BILLS

When you get emergency care or get treated by an out-ofnetwork provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

What is “balance billing” (sometimes called “surprise billing”)?

When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.

“Out-of-network” describes providers and facilities that have not signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-ofpocket limit.

“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care— like when you have an emergency or when you schedule a visit at an in- network facility but are unexpectedly treated by an out-of-network provider.

You are protected from balance billing for:

• Emergency services – If you have an emergency medical condition and get emergency services from an out-ofnetwork provider or facility, the most the provider or facility may bill you is your plan’s in- network cost-sharing amount (such as copayments and coinsurance). You cannot be balance billed for these emergency services. This includes services you may get after you are in stable condition, unless you give written consent and give up your protections not to be balanced billed for these poststabilization services.

• Certain services at an in-network hospital or ambulatory surgical center – When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers cannot balance bill you and may not ask you to give up your protections not to be balance billed.

If you get other services at these in-network facilities, out-ofnetwork providers cannot balance bill you, unless you give written consent and give up your protections.

You are never required to give up your protections from balance billing. You also are not required to get care out-ofnetwork. You can choose a provider or facility in your plan’s network.

When balance billing is not allowed, you also have the following protections:

• You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.

• Your health plan generally must:

• Cover emergency services without requiring you to get approval for services in advance (prior authorization).

• Cover emergency services by out-of-network providers.

• Base what you owe the provider or facility (costsharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.

• Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.

If you believe you have been wrongly billed, you may contact your insurance provider. Visit www.cms.gov/nosurprises for more information about your rights under federal law.

PART A: General Information

Even if you are offered health coverage through your employment, you may have other coverage options through the Health Insurance Marketplace (“Marketplace”). To assist you as you evaluate options for you and your family, this notice provides some basic information about the Health Insurance Marketplace.

What is the Health Insurance Marketplace?

The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers “one-stop shopping” to find and compare private health insurance options in your geographic area.

Can I Save Money on my Health Insurance Premiums in the Marketplace?

You may qualify to save money and lower your monthly premium and other out-of-pocket costs, but only if your employer does not offer coverage, or offers coverage that is not considered affordable for you and doesn’t meet certain minimum value standards (discussed below). The savings on your premium that you’re eligible for depends on your household income. You may also be eligible for a tax credit that lowers your costs.

Does Employment-Based Health Coverage Affect Eligibility for Premium Savings through the Marketplace?

Yes. If you have an offer of health coverage from your employer that is considered affordable for you and meets certain minimum value standards, you will not be eligible for a tax credit, or advance payment of the tax credit, for your Marketplace coverage and may wish to enroll in your employment-based health plan. However, you may be eligible for a tax credit, and advance payments of the credit that lowers your monthly premium, or a reduction in certain cost-sharing, if your employer does not offer coverage to you at all or does not offer coverage that is considered affordable for you or meet minimum value standards. If your share of the premium cost of all plans offered to you through your employment is more than 9.12%1 of your annual household income, or if the coverage through your employment does not meet the “minimum value” standard set by the Affordable Care Act, you may be eligible for a tax credit, and advance payment of the credit, if you do not enroll in the employmentbased health coverage. For family members of the employee, coverage is considered affordable if the employee’s cost of premiums for the lowest-cost plan that would cover all family members does not exceed 9.12% of the employee’s household income.1, 2

Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered through your employment, then you may lose access to whatever the employer contributes to the employment-based coverage. Also, this employer contribution -as well as your employee contribution to employment-based coverage- is generally excluded from income for federal and state income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis. In addition, note that if the health coverage offered through your employment does not meet the affordability or minimum value standards, but you accept that coverage anyway, you will not be eligible for a tax credit. You should consider all of these factors in determining whether to purchase a health plan through the Marketplace.

When Can I Enroll in Health Insurance Coverage through the Marketplace?

You can enroll in a Marketplace health insurance plan during the annual Marketplace Open Enrollment Period. Open Enrollment varies by state but generally starts November 1 and continues through at least December 15.

Outside the annual Open Enrollment Period, you can sign up for health insurance if you qualify for a Special Enrollment Period. In general, you qualify for a Special Enrollment Period if you’ve had certain qualifying life events, such as getting married, having a baby, adopting a child, or losing eligibility for other health coverage. Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the qualifying life event to enroll in a Marketplace plan.

There is also a Marketplace Special Enrollment Period for individuals and their families who lose eligibility for Medicaid or Children’s Health Insurance Program (CHIP) coverage on or after March 31, 2023, through July 31, 2024. Since the onset of the nationwide COVID-19 public health emergency, state Medicaid and CHIP agencies generally have not terminated the enrollment of any Medicaid or CHIP beneficiary who was enrolled on or after March 18, 2020, through March 31, 2023. As state Medicaid and CHIP agencies resume regular eligibility and enrollment practices, many individuals may no longer be eligible for Medicaid or CHIP coverage starting as early as March 31, 2023. The U.S. Department of Health and Human Services is offering a temporary Marketplace Special Enrollment period to allow these individuals to enroll in Marketplace coverage.

Marketplace-eligible individuals who live in states served by HealthCare.gov and either- submit a new application or update an existing application on HealthCare.gov between March 31, 2023 and July 31, 2024, and attest to a termination date of Medicaid or CHIP coverage within the same time period, are eligible for a 60-day Special Enrollment Period.

That means that if you lose Medicaid or CHIP coverage between March 31, 2023, and July 31, 2024, you may be able to enroll in Marketplace coverage within 60 days of when you lost Medicaid or CHIP coverage. In addition, if you or your family members are enrolled in Medicaid or CHIP coverage, it is important to make sure that your contact information is up to date to make sure you get any information about changes to your eligibility. To learn more, visit www.HealthCare.gov or call the Marketplace Call Center at 1-800-318-2596 . TTY users can call 1-855-889-4325.

What about Alternatives to Marketplace Health Insurance Coverage?

If you or your family are eligible for coverage in an employmentbased health plan (such as an employer-sponsored health plan), you or your family may also be eligible for a Special Enrollment Period to enroll in that health plan in certain circumstances, including if you or your dependents were enrolled in Medicaid or CHIP coverage and lost that coverage. Generally, you have 60 days after the loss of Medicaid or CHIP coverage to enroll in an employment-based health plan, but if you and your family lost eligibility for Medicaid or CHIP coverage between March 31, 2023 and July 10, 2023, you can request this special enrollment in the employment-based health plan through September 8, 2023. Confirm the deadline with your employer or your employment-based health plan. Alternatively, you can enroll in Medicaid or CHIP coverage at any time by filling out an application through the Marketplace or applying directly through your state Medicaid agency. Visit https://www.healthcare.gov/medicaid-chip/gettingmedicaid-chip/ for more details.

How Can I Get More Information?

For more information about your coverage offered through your employment, please check your health plan’s summary plan description or contact Human Resources.

The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit www.HealthCare. gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.

PART B: Information About Health Coverage Offered by Your Employer

This section contains information about any health coverage offered by your employer. If you decide to complete an application for coverage in the Marketplace, you will be asked to provide this information. This information is numbered to correspond to the Marketplace application.

3. Employer Name: Sinai Akiba Academy

5. Employer Address: 10400 Wilshire Blvd

7. City: Los Angeles

4. Employer Identification Number (EIN): 95-2103898

6. Employer Phone Number: 310-475-6401

8. State: CA 9. ZIP Code: 90024

10. Who can we contact at this job?: Geoff Fischer 11. Phone Number (if different from above): 310-475-6401

12. E-Mail Address: gfischer@sinaiakiba.org

As your employer, we offer a health plan to all eligible employees (see the Eligibility section of this guide). This coverage meets the minimum value standard, and the cost of this coverage to you is intended to be affordable, based on employee wages.

1 Indexed annually; see https://www.irs.gov/pub/irs-drop/rp-22-34.pdf for 2023.

2 An employer-sponsored or other employment-based health plan meets the “minimum value standard” if the plan’s share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs. For purposes of eligibility for the premium tax credit, to meet the “minimum value standard,” the health plan must also provide substantial coverage of both inpatient hospital services and physician services.

NOTES

This brochure highlights the main features of the Sinai Akiba Academy employee benefits program. It does not include all plan rules, details, limitations, and exclusions. The terms of your benefit plans are governed by legal documents, including insurance contracts. Should there be an inconsistency between this brochure and the legal plan documents, the plan documents are the final authority. Sinai Akiba Academy reserves the right to change or discontinue its employee benefits plans anytime.