ENHANCE YOUR WELLNESS ENJOY THE BENEFITS2022BENEFITS GUIDE
Front cover: Karen Figueroa, Cook, Nourishing Hope
2022 WELCOME TO YOURBENEFITS GUIDEBenefits are an important part of your total rewards package at City of Hope. Our plansare designed to support the physical, emotional and financial health and well-being of ourdiverse workforce and provide comprehensive, cost-effective options.We have provided side-by-side Benefits andcomparison charts for your health Wellness Servicesand welfare plans to help you decide CONTACT USwhich plans are best for you and yourfamily. We encourage you to reviewthis information before making your Call: 626-218-2228plan selections. Please keep this or Extension 82228guide as a reference during the yearto help you understand your benefits. Email: benefits@coh.org QUICK HELP Do you need a form, a quick answer to a frequently asked question or to review a plan summary? Visit the Benefits website at benefits.coh.org.
4 Contact Information FINANCIAL SECURITY5 Enrolling in Benefits 18 Flexible Spending Accounts6 Benefits Eligibility 19 Life Insurance6 Changing or Canceling Your Benefits 20 Accidental Death & Dismemberment Insurance 20 Disability Income InsuranceHEALTH BENEFITS 21 Voluntary Benefits Plans/AFLAC Plans7 Health Plans 23 Rideshare and Alternative Commute Program8 HMO Medical Plans Comparison Chart 24 Tuition Assistance Program9 PPO Medical Plans Comparison Chart 25 Retirement Plans11 Aetna HSA PPO Plan12 The HSA WELLNESS13 Dental Plans 27 Employee Wellness Program14 Vision Service Plan (VSP) 29 Employee Assistance Program15 Finding a Medical or Dental Provider 30 Back-Up Child and Adult/Elder Care16 Cancer Support Services 31 Reporting a Leave of Absence EMPLOYEE CONTRIBUTIONS 32 Medical Plan Employee Contributions 32 Voluntary Life/AD&D Employee Contributions 33 Dental and Vision Plan Employee Contributions ADDITIONAL COMPLIANCE INFORMATION For additional compliance information, please refer to the health and welfare notices available at benefits.coh.org. Please refer to your certificate, summary plan description or evidence of coverage for a complete explanation of benefits provided, exclusions and limitations, and additional plan information.
CONTACT INFORMATION City of Hope’s Benefits Team is available to help answer your questions about the benefits offered and can help you elect or change your benefits. You may also contact the providers directly with specific benefits coverage questions. AccessHopetm Cancer MetLife Legal Plan Support Services Member Services: 800-821-6400BENEFITS AND 877-882-7890 legalplans.com WELLNESS coh.myaccesshope.org SERVICES Nationwide Pet Insurance Aetna DMO/DPPO Dental Plans Member Services: 877-738-7874 Member Services: petinsurance.com/affiliates/hope 877-238-6200 aetna.com Ridelinks Group No. 836988 Rideshare and Alternative Commute Program Aetna HMO, Traditional PPO, Van Pool and Public Transit Email: HSA PPO Plans CityofHope.commuterportal.com benefits@coh.org Member Services: 855-565-8529 aetna.com TIAA Retirement Plans Group No. (HMO)176657 (PPO)836988 (For employee accounts opened before January 2011) AFLAC Member Services: 800-842-2252 Member Services: 661-702-9416 tiaa.org Stephanie_Sanders@us.aflac.com Group No. 58-0663085 UnumCall: 626-218-2228 Life/AD&D Insuranceor Extension 82228 Bright Horizons Member Services: 800-445-0402 Backup Child and Adult/Elder Care Disability Insurance or to 877-BH-CARES (242-2737) Report a Leave of Absence clients.brighthorizons.com/coh Member Services: 866-779-1054 User Name: COH unum.com/claims Password: backup4u Policy No. 954939 Benefits website: Fidelity Retirement Plans benefits.coh.org Virgin Pulse Member Services: 800-343-0860 netbenefits.com/atwork Employee Wellness Program Member Services: 833-724-4673 Kaiser HMO Plan member.virginpulse.com Member Services: 800-464-4000 kp.org Vision Service Plan (VSP) Group No. 102166 Member Services: 800-877-7195 vsp.comFax: 626-218-8992 Lyra Mental Health and Group No. 12008709 Work-Life Services (VSP ID No. is 000 plus your (Employee Assistance Program) employee ID number) Member Services: 877-672-1266 WEX (formerly Discovery Benefits) coh.lyrahealth.com Flexible Spending Accounts Met Auto/Home Insurance and Health Savings Account Member Services: 800-438-6388 Member Services: 866-451-3399 metlife.com benefitslogin.wexhealth.com CITY OF HOPE | BENEFITS 2022 4
ENROLLING IN BENEFITSIf you are newly eligible for benefits at City of Hope, you will enroll via our online enrollmentwebsite. You have 30 days beginning on your hire/eligibility date to enroll.You will receive an email at your City of Hope email address on your hire date (or the first date you meet the eligibilityrequirements for benefits.) 1Click the link in the email, or go to benefits.coh.org. 2Review plan details. 3When you are ready to enroll, click “Enroll Now.” 4When prompted, enter your network ID and network password. 5Follow the instructions on each screen to make your elections. 6Remember to click “Submit” at the end of your elections.If you do not enroll within 30 days, you will not be able to participate in the medical, dental, vision, voluntary lifeand AD&D plans, or Flexible Spending Accounts for the remainder of the calendar year unless you have a qualifyinglife event. Your next opportunity to enroll will be during the next Open Enrollment period. You will continue to havecompany-paid basic life, AD&D, Short- and Long-Term Disability coverage and the Employee Assistance Program. FOR ASSISTANCE WITH ENROLLMENT, PLEASE CALL THE BENEFITS TEAM AT 626-218-2228.5 CITY OF HOPE | BENEFITS 2022
BENEFITS ELIGIBILITY Your benefits become effective the first day of the month following date of employment. The exceptions are the Employee Assistance Program (eligible immediately), Back-Up Care Advantage Program (eligible immediately), Cancer Support Services (eligible immediately), the 403(b) Tax Deferred Annuity Plan (eligible immediately) and the 401(a) Defined Contribution Plan (eligible after one year of continuous service). You are eligible to participate in City of Hope’s benefits plans if you are a regular full-time or part-time employee scheduled to work at least 20 hours per week.YOUR ELIGIBLE DEPENDENTS INCLUDE:SPOUSE OR DOMESTIC PARTNER CHILDRENYour lawful or legally married spouse, or your domestic Your children who are your natural, step or legallypartner who meets the requirements set forth in the adopted children, or children of your enrolled eligibleAffidavit of Spousal Equivalency domestic partner, provided they are under the age of 26. (For life insurance only, children must be under age 26, unmarried and dependent upon you for support.) WORKING SPOUSE/DOMESTIC PARTNER Important note: Newborns are NOT automatically RULE FOR EMPLOYEES HIRED ON OR added to your coverage under City of Hope’s benefit AFTER JANUARY 1, 2013: plans. You must enroll your newborn within 30 days of •Y our spouse or domestic partner is eligible for the birth. City of Hope medical and dental benefits only if she or he is not eligible for benefits through another CHILDREN OVER AGE 26 employer’s group health plan. Children over age 26 who are disabled and incapable of self-support and who were covered under the plan at • I f you enroll a spouse/domestic partner, you will the time they reached age 26. Proof of disability must be required to attest that they are not eligible for be approved by the carrier within 30 days of the child’s employer-sponsored benefits elsewhere. 26th birthday.CHANGING OR CANCELING YOUR BENEFITS Once your elections take effect, you are not able to make changes until the next Open Enrollment period or when you experience a qualified life event. If you experience a qualified life event, you may change your coverage within 31 days of the event. Necessary documentation will be required. Contact the Benefits Department for more information about what qualifies as a life event.EXAMPLES OF QUALIFYING LIFE EVENTS THAT ALLOW YOUTO CHANGE YOUR BENEFITS DURING THE YEAR INCLUDE: • arriage M • Divorce or legal separation • Birth, adoption or change in the legal custody of your child • Change in your spouse’s or domestic partner’s employment status that results in a loss or gain of other coverage for you or your dependents • Change in your employment status that affects your benefits eligibility • Death of a spouse, domestic partner or dependent child • Change in your dependent’s eligibility status due to age or loss of dependent status according to federal tax guidelines CITY OF HOPE | BENEFITS 2022 6
HEALTH PLANS MEDICAL PLANS DENTAL PLANS City of Hope offers five medical plans for you City of Hope offers two dental plans for you to choose from and are dependent on where you live: to choose from: • etna HMO A • Aetna DMO Dental • Kaiser HMO • Aetna PPO Dental • Aetna EPO • Aetna Traditional PPO • Aetna HSA PPO (paired with a Health Savings Account)The following pages include side-by-side comparison charts for the medical and dental plan options.A few key terms to understand before you review your options are:DEDUCTIBLE. The fixed dollar amount that you pay out COINSURANCE. The percentage of covered services youof pocket each calendar year before the Plan will begin and the Plan each pay. Your share is normally payable onlyreimbursing for nonpreventive services. Services that after the deductible has been met.note a copay amount do not apply to the deductible. OUT-OF-POCKET MAXIMUM. This is the most you couldCOPAY. The flat dollar amount that you pay the provider pay during the calendar year for your share of the costs offor certain covered services. After you pay the copay, covered services, including copays and coinsurance.the Plan will pay the remainder of all eligible chargesmade by an in-network provider.TO RECEIVE CAREAT CITY OF HOPEThe Aetna Traditional and HSA PPO plans are the ONLYplan choices that provide direct access to City of HopeNational Medical Center, City of Hope physicians andCity of Hope community practice sites. Under the Kaiser andAetna HMO plans, care can only be received at City of Hopeif a formal authorization is granted by your HMO or medicalgroup, and there is no guarantee or requirement for anauthorization to be issued for careat City of Hope.WATCH THE “CHOOSING AMEDICAL PLAN” VIDEO.Text COH291 to 61759, or scanthe QR code using the cameraon your mobile device.7 CITY OF HOPE | BENEFITS 2022
HMO MEDICAL PLANS COMPARISON CHART When you enroll in the Aetna HMO (health maintenance organization) plan, you (and each enrolled dependent) will be asked to select a primary care provider (PCP) from the network. Your PCP will manage your health care. You must receive all nonemergency care from the doctors and hospitals in the Aetna network (if you enroll in the Aetna HMO) or at a Kaiser facility (if you enroll in the Kaiser HMO). Care received from an out-of-network provider (except for emergency care) will not be covered. More information on the plans can be found in the Plan Summaries and Explanation of Coverage available at benefits.coh.org. AETNA HMO AETNA EPO KAISER HMO (Available to California (Available nationwide, (Available to Southern residents only) except California) California residents only) Individual None None None Annual Deductible Family None None None Annual Out-of- Individual $1,000 $1,000 $1,500 Pocket Maximum Family $2,000 $2,000 $3,000 Routine Physical No Copay No Copay No Copay Well Child Care No Copay No Copay No Copay Preventive Immunizations No Copay No Copay No Copay Care Routine Gynecology No Copay No Copay No Copay Mammogram No Copay No Copay No Copay Primary Care Visits $20 Copay $20 Copay $20 Copay Specialist Visits $30 Copay $30 Copay $30 Copay X-ray and Lab No Copay No Copay No Copay Outpatient Surgery No Copay No Copay $30 Copay Medical Emergency Room* $150 $200 + 20% $150 Services Urgent Care $30 Copay $30 Copay $20 Copay Durable Medical No Copay No Copay 20% Equipment Speech, Physical, $20 Copay $30 Copay $20 Copay OCC Therapy Inpatient Hospitalization $100 per admission $100 per admission $100 per admission Mental Health and Inpatient $100 per admission $100 per admission $100 per admission Substance Abuse Outpatient No Copay $20 Copay $20 Copay $10 Copay $10 Copay $10 Copay Generic $35 Copay Prescription $35 Copay $35 Copay Brand Formulary $35 Copay (exception Drugs Retail $60 Copay $60 Copay (30-day supply) Nonformulary needed) same as generic same as generic Specialty Copay: 20% coinsurance, or brand above or brand above $150 max Generic $20 Copay (90-day supply) $20 Copay (90-day supply) $20 Copay (100-day supply) Prescription Drugs Brand Formulary $70 Copay (90-day supply) $70 Copay (90-day supply) $70 Copay (100-day supply) (mail order) Nonformulary $120 Copay (90-day supply) $120 Copay (90-day supply) n/a Specialty n/a n/a n/a*Emergency room copay is waived if admitted. CITY OF HOPE | BENEFITS 2022 8
PPO MEDICAL PLANS COMPARISON CHART A preferred provider organization (PPO) plan gives you the flexibility to choose any provider or facility. However, if you use a network provider you’ll pay less because the network providers have agreed to charge lower, negotiated rates. The HSA PPO Plan is paired with a Health Savings Account (HSA). The HSA is a tax-advantaged account that allows you to pay for your out-of-pocket medical expenses with tax-free dollars. Please refer to page 10 to learn more about the HSA PPO Plan and HSA eligibility.Percentages below represent your coinsurance/ AETNA TRADITIONAL PPO AETNA HSA PPO cost share. Deductible applies before (Available nationwide) (Available nationwide) coinsurance. Copays do not In-network In-network require deductible. Out-of-network Out-of-network (Standard Savings) (Standard Savings) Deductible Individual $750 $1,500 $1,400 $2,800 (applies to all Family $2,250 $4,500 $2,800 $5,600 coinsurance %) HSA Employer Individual n/a $350 Contribution Family n/a $600 Individual $3,750 $10,500 $4,300 $11,600 Out-of-Pocket Family $8,250 $22,500 $8,600 $23,200 Maximum Per-person limit (includes $10,500 $6,850* n/a applicable under $3,750 deductible) family coverage Routine Physical No Copay 40% No Copay 40% Well Child Care No Copay 40% No Copay 40% Preventive Immunizations No Copay 40% No Copay 40% Care Routine Gynecology No Copay 40% No Copay 40% Mammogram No Copay 40% No Copay 40% PCP or BH visits $20 Copay 40% 20% 40% Specialist Visits $30 Copay 40% 20% 40% X-ray and Lab 20% 40% 20% 40% Medical Outpatient Surgery 20% 40% 20% 40% Services** Emergency Room $150 (waived if admitted) $150 (waived if admitted) 20% 20% Urgent Care $30 Copay 40% 20% 40% Speech, Physical, $30 Copay 40% 20% 40% OCC Therapy CVS Minute Clinic/Health HUBS No Copay - No Copay - Teladoc Service — Primary Care $20 - 20% - & Behavioral Health Teladoc Service — Dermatology $30 - 20% - Inpatient Hospitalization** 20% 40% 20% 40% Mental Health Inpatient 20% 40% 20% 40% Substance Abuse Outpatient $20 Copay 40% 20% 40%Prescription Drug Individual $3,100 Included in the medicalOut-of-Pocket Max Family $5,450 out-of-pocket maximum Generic Brand $10 Copay 20% Prescription Formulary 20% (min $35, max $55) 20% Drugs* Retail Nonformulary 30% (min $60, max $80) 20% (30-day supply) Same as generic or brand above 20% Specialty Generic Brand 20% $20 Copay Prescription Formulary 20% 20% (min $70, max $110) Drugs Retail 20% Nonformulary 30% (min $120, max $160) (90-day supply) Prescription drugs mail order (90-day Specialty n/a supply) Specialty 20% after deductible.9 CITY OF HOPE | BENEFITS 2022 *With the HSA Family plan, an individual’s out-of-pocket maximum will not exceed $6,850. **Additional savings may apply. Review page 10 for more information.
RECEIVING CARE AT CITY OF HOPE OR USING AETNA’SPREMIER NETWORK OF PROVIDERS (APCN) FOR TRADITIONALAND HSA PPO PLANS Both the Aetna Traditional and Aetna HSA PPO plans provide savings in addition to the Standard savings outlined on page 9 when you select specialty care with certain providers. Medical services with City of Hope providers and facilities are covered at 100% after the annual deductible is met. The plan coverage for medical services under Aetna’s Premiere Care Network of highly rated specialists are covered at 90% after the annual deductible is met. The below coinsurance and copays will replace those listed on page 9 when you choose participating specialists. To maximize your savings, look for the following provider labels when choosing a specialist at aetna.com. • Maximum Savings (City of Hope providers) • Standard Savings Plus (Aetna Premier Care Network of Specialists) • Standard Savings (Aetna in-network providers) AETNA TRADITIONAL PPO AETNA HSA PPO Percentages below represent your Aetna’s Premier City of Hope Facilities Aetna’s Premiercoinsurance/cost share. City of Hope Facilities Network of Provider Network of Provider and Physicians Specialists and Physicians SpecialistsDeductible applies before (Maximum Savings) (Maximum Savings) Copay (Standard Savings Plus) (Standard Savings Plus) coinsurance. Copays do Coinsurance amount Coinsurance amount Coinsurance amount not require deductible. Specialist Office Visit $30 Copay $30 Copay 0% 10% X-ray and Lab No Copay 10% 0% 10% Outpatient Surgery No Copay 10% 0% 10% Inpatient No Copay 20% 0% 20% Hospitalization Speech, Physical, $30 Copay $30 Copay 0% 10% OCC Therapy CITY OF HOPE | BENEFITS 2022 10
AETNA HSA PPO PLAN The HSA PPO plan combines a PPO (preferred provider organization) medical plan and a Health Savings Account (HSA). The rules that govern HSAs are complex. Please read the material sent to you by Wex (formerly Discovery Benefits) and the information in the Plan Document, found at benefits.coh.org.THE MEDICAL BENEFITThis medical plan requires that you first satisfy a deductible before the plan will paybenefits. The deductible for this plan is higher than the Traditional PPO Plan. •A ll of your medical expenses, except for eligible preventive care (which is paid at 100% with no deductible) apply to your deductible. This includes your prescription drug expenses. • You are responsible for all nonpreventive care expenses until your deductible is satisfied. •O nce the deductible is satisfied, the plan pays 80-100% of your claims if you use the network and 60% if you go out-of-network. Your prescription drugs are paid at 80%. • If you enroll as a family, an individual’s out-of-pocket maximum cost will not exceed $6,850.HEALTH CARE FLEXIBLE SPENDING ACCOUNT (FSA)AND THE HSAIf you enroll in the HSA PPO plan with the HSA, you cannot have any other coverage that reimburses youfor medical expenses, including a regular FSA, either through City of Hope or through your spouse’s plan.You may make tax-free withdrawals from your HSA to reimburse yourself for eligible medical expenses untilyour deductible is met. •Y ou may set up a special Limited Purpose FSA that can be used ONLY for dental and vision expenses until your medical deductible is met. If you meet your deductible, then you may be reimbursed for medical expenses through your Limited Purpose FSA or through your HSA. • The maximum you can defer into the Limited Purpose FSA in 2022 is $2,750.11 CITY OF HOPE | BENEFITS 2022
THE HSAThe HSA allows you to pay for your eligible out-of-pocket medical expenses (such as yourdeductible, copays and coinsurance) with federal tax-free dollars.When you enroll in the HSA PPO plan, an HSA is established for you. State taxes may apply.•P lan eligibility. You are eligible to enroll in the HSA if you are: • NOT claimed as a dependent on anyone else’s tax return • NOT covered under your spouse’s Health Care Flexible Spending Account (FSA) • NOT covered by any other medical plans (including Medicare A and/or B) unless the other plan is also a high deductible health plan•C ity of Hope’s contribution. Each year you enroll in the HSA PPO plan, City of Hope contributes to the HSA account. The 2022 contribution is $350 if you elect single coverage or $600 for family coverage. Amounts are prorated if your coverage begins during the year.•Y ou can also contribute to the HSA. You can elect a biweekly payroll deduction on a pretax basis. You can contribute up to an additional $3,300 per year for single coverage and $6,700 for family coverage. If you are age 55 or older, you may make an additional $1,000 annual “catch-up” contribution. You do not have to contribute to this account.•T he money in the HSA is always yours to keep. Unlike an FSA, there is no “use it or lose it” rule. If you do not use all the money in your account in any year, you can save the money to pay for future medical expenses. CITY OF HOPE | BENEFITS 2022 12
DENTAL PLANS AETNA PPO DENTAL AETNA IN-NETWORK OUT-OF-NETWORK DHMO DENTAL Annual Individual $50 $75 None Deductible Family $150 $225 None Annual Benefit Maximum* $1,500 per person* Unlimited Preventive Services: No charge, No deductible 20%, No deductible No copay Exams, cleanings, X-rays $0-$75 Basic Services: 20%, deductible 60%, deductible (see DMO schedule Fillings, most extractions, etc. applies applies of benefits) Major Services: $144-$250 Crowns, bridges, 50%, deductible applies 70%, deductible applies (see DMO schedule dentures, etc. of benefits) $1,845 copay + cost Orthodontics: 50% to $1,500 lifetime combined of exam, records Adults and Children and retention*Preventive and diagnostic services do not count toward annual benefits maximum.13 CITY OF HOPE | BENEFITS 2022
VISION SERVICE PLAN (VSP) IN-NETWORK OUT-OF-NETWORK Eye Exam: $15 Copay Up to $45 Once every 12 months Lenses: Covered in full* From $30-$100 Once every 12 months Frames: Covered up to $200 Covered up to $70 Once every 24 months $110 allowance for Costco Contacts: Covered up to $200 Covered up to $105 In lieu of frames/lenses*Add-ons, such as coatings and certain special type of lenses, are at additional costs. Discounts apply. If you use a VSP provider, no ID card or claim form is necessary.CAN YOU SEE IT?Common daily symptoms that may suggest a problemwith your vision: • Blurriness, blind spots or halos around lights Your VSP • Frequent headaches ID number is • Loss of sharpness 000 plus your • Sitting too close to the television employee • Squinting ID number. CITY OF HOPE | BENEFITS 2022 14
FINDING A PROVIDER HOW TO FIND AN AETNA MEDICAL OR DENTAL PROVIDERREGISTERED MEMBERS OF AETNA MEMBER WEBSITE 1 Go to aetna.com/docfind. 2 Log into your Aetna account, then select “Find Care and Pricing.” 3 To find a provider, enter the name/category in the search bar OR select a category listed.NEW USER REGISTRATION 1 Go to aetna.com. 2 Select “Login.” 3 First time users, select “Register” to register for an account. 4 Enter Aetna Member ID or Social Security Number and personal information. 5 Select “Continue” to complete registration. If you’re having trouble signing in, select “Contact Member Services” or call 855-565-8529. Download the new Aetna Healthsm app to make it easier to manage your benefits on the go! ENROLLING IN AETNA HMO OR AETNA DMO PLAN FOR THE FIRST TIME? If you enroll in the Aetna HMO Medical Plan or the Aetna DMO Dental Plan for the first time, you must choose an Aetna primary care provider. If you do not enter an Aetna provider when enrolling, Aetna will assign you to a provider. Locate the six-digit Provider ID from the list of participating providers and enter the ID in the enrollment system.15 CITY OF HOPE | BENEFITS 2022
CANCER SUPPORT SERVICES When you or someone in your family is facing a cancer diagnosis, there is nothing more important than finding the very best expertise. That’s why City of Hope is now offering employees access to the resources they need through AccessHopeTM’s Cancer Support Services. This program supports our employees and their immediate family, free-of- charge and regardless of benefits eligibility, which medical plan you have selected or if you have enrolled in any of our benefits plans, and offers three distinct programs: Cancer Support Team | Expert Advisory Review | Expert EvaluationHOW IT WORKS1 2 CANCER EXPERT SUPPORT ADVISORY TEAM REVIEW Connect with experienced oncology Request that an AccessHope nurses to discuss appointment details, medical expert reviews your case. treatment information or emotional concerns — wherever you are in your Our cancer subspecialist with City of Hope cancer journey. will provide recommendations to your treatment plan based on groundbreaking insights and leading discoveries in your This service helps you: specific cancer to your local oncologist so • Understand your specific type of cancer. you can stay close to home. • Understand the types of treatments typically To use this service, simply request your provided for your type of cancer. review from AccessHope. After one of our • Prepare for your first appointment with subspecialists with City of Hope reviews an oncologist. your medical records and treatment plan, they’ll send their recommendations in a • Learn more about the availability and comprehensive clinical report to your local importance of clinical trials. oncologist. Your doctor will then apply • Access educational resources on cancer them as appropriate to provide you with screening, prevention and treatment. optimal, coordinated care. To find out more about these programs, call 877-882-7890, 6 a.m. to 6 p.m. (Pacific Time), Monday through Friday (except holidays). CITY OF HOPE | BENEFITS 2022 16
3 EXPERT EVALUATION* Request an in-person review of your case. You can request an in-person review of your case with Daniel J. Kim, M.D. a leading oncologist from City of Hope. The oncologist will advise you on the most effective tests, therapies and treatments for your type of cancer, while your local doctor continues to manage your care. *Expert Evaluation is intended as an opportunity to receive a first or second medical opinion from an AccessHope physician. Ongoing care is not available as part of this program, nor is this program intended to provide employees with an offer of medical plan coverage.17 CITY OF HOPE | BENEFITS 2022
FLEXIBLE SPENDING ACCOUNTSProvided through WEX, a Flexible Spending Account (FSA) lets you set aside money on a pretax basis to pay foreligible health-related, dependent care and/or adoption expenses. You do not have to pay taxes on the money you setaside or when you request reimbursem*nt. Remember to plan carefully. If you do not have sufficient claims incurredduring the year, you will forfeit any unreimbursed money in your Dependent Care Account and any money greater than$570 in your Health Care Account. You have until March 31, 2023, to submit 2022 claims.THERE ARE THREE TYPES OF FSAs: HEALTH CARE DEPENDENT CARE ADOPTION ASSISTANCE FSA FSA FSA For payment of eligible health care For eligible day care and elder For payment of eligible expenses for you and your dependents care expenses adoption expenses Allows you to set aside between Allows you to set aside between Allows you to set aside up to $100 and $2,750 per year via $100 and $5,000 per year via $14,440 per year via payroll payroll deductions payroll deductions. Generally deductions for reimbursem*nt applies to children under age 13. of eligible adoption expenses Reminder: Over-the-counter (limitations apply at higher medications are not eligible for incomes) reimbursem*nt under an FSA without a doctor’s prescription.You must re-enroll for FSAs each year. Your previous elections will not carry over. If you are enrolling in theHSA PPO Plan, see page 11 regarding eligibility for a Health Care FSA. CITY OF HOPE | BENEFITS 2022 18
LIFE INSURANCE Insured by UnumBASIC LIFE INSURANCE — COMPANY PAID Coverage 1x base annual earnings (minimum $60,000, maximum $350,000). No Evidence of Insurability (EOI) is required. Benefit reduces by 50% at age 70.VOLUNTARY LIFE INSURANCE — EMPLOYEE PAID Coverage Options Evidence of Insurability Employee 1, 2, 3, 4 or 5x base annual EOI required if you: earnings up to a maximum • Did not enroll during your initial eligibility period of $1,150,000 • Choose an amount over $400,000 of coverage Benefit reduces by 50% at age 70. • Increase current coverage by more than one level Spouse $5,000, $10,000, EOI required if you: $25,000, $50,000, • Did not enroll during your initial eligibility period $100,000, $150,000, • Choose an amount over $50,000 of coverage $200,000, $250,000 • Increase your coverage by more than one level (not to exceed 100% of employee’s life coverage) Child* $10,000 EOI not required (one premium covers all children)*For life insurance only, children must be under age 26, unmarried and dependent upon you for support.DESIGNATE YOUR LIFE INSURANCE BENEFICIARYBeneficiaries are individuals or entities that you selectto receive benefits from your policy. •Y ou can change your beneficiary designation at any time. • You may designate one or multiple beneficiaries to Unum receive payment in the amount you specify. Member ServicesTo select or change your beneficiary, complete Unum’s Life/AD&D:“Life and AD&D Beneficiary Designation Online Form” found 800-445-0402at benefits.coh.org.19 CITY OF HOPE | BENEFITS 2022
ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE Insured by UnumBASIC AD&D INSURANCE — COMPANY PAID Coverage 1x base annual earnings (minimum $60,000, maximum $350,000). No Evidence of Insurability is required. Benefit reduces by 50% at age 70.VOLUNTARY AD&D INSURANCE — EMPLOYEE PAID Coverage Options Employee 1, 2, 3, 4 or 5x base annual earnings up to a maximum of $1,150,000 Benefit reduces by 50% at age 70. Employee + Family Employee chooses 1, 2, 3, 4 or 5x base annual earnings. Dependents are covered as follows: • Spouse only: 60% of employee’s AD&D amount • Children only: 15% of employee’s AD&D amount per child • Spouse and Children: 50% of employee’s AD&D amount for spouse, 10% per child Benefit reduces by 50% at age 70.DISABILITY INCOME INSURANCE Insured by UnumEMPLOYEE BASIC DISABILITY COVERAGE — COMPANY PAID Short-Term Disability Long-Term Disability Coverage Benefit equals 60% of predisability Benefit equals 60% of predisability base base weekly earnings to a maximum monthly earnings to a maximum benefit of benefit of $3,462 per week. $22,500 per month. Benefit None for disability caused by 180 days Waiting Period accidental injury, and seven days for disability caused by physical disease, pregnancy or mental disorder Maximum 26 weeks To age 65 Benefit PeriodBenefits may be reduced by other income, including state disability, workers’ compensation and Social Security.Directors and above who participate in the Leader Time Off Program are covered under a separate Short-Term Disability Planeffective January 2, 2022. CITY OF HOPE | BENEFITS 2022 20
VOLUNTARY BENEFIT PLANS A variety of voluntary benefits are available. You are responsible for the full cost of these plans. If you leave City of Hope, you may elect to keep the coverage by paying the premium directly to the carrier. Additional information is available at benefits.coh.org. METLIFE AUTO/ METLAW — NATIONWIDE HOME INSURANCE HYATT LEGAL PLAN PET INSURANCE MetLife Auto/Home offers a The MetLaw Legal Plan offers a variety This plan allows you to purchase voluntary program with many of covered legal services through a health insurance for your pets. features and benefits. network of participating attorneys. What the Plan Covers What the Plan Covers What the Plan Covers Choose from a variety of policies to Covered services include preparation Multiple plan options and annual meet your coverage needs, including: of wills, document review, court maximum payouts are available boat, condo, motor home, recreation appearances, traffic ticket defense (Comprehensive Medical, vehicle and renter’s. Save more with (except DUI), debt collection defense, Economical Accident and Illness, multipolicy discounts. identity theft defense, trusts, powers of Emergency Care). Save more with attorney and real estate matters. multiple pet discounts. How to Enroll* How to Enroll* How to Enroll* You may obtain a free quote You may enroll for this coverage only You may enroll at any time. or apply at any time. during Open Enrollment or during 877-738-7874 800-GET-MET8 (800-438-6388) your initial benefits enrollment period. metlife.com Complete the enrollment form found at benefits.coh.org.*If you experience a qualified life event, you may change your coverage within 31 days of the event. Contact the Benefits Departmentfor more information about what qualifies as a life event.21 CITY OF HOPE | BENEFITS 2022
This policy pays cash benefits if you or a covered dependent is diagnosed with cancer. Benefits are AFLAC payable for: Personal Cancer • Conventional and experimental treatments AFLAC Indemnity Plan • Annual mammogram and pap smear PLANS • One of 11 types of annual cancer screenings for each covered personAFLAC plans pay a cash benefitdirectly to you in addition to yourmedical plan benefits. This policy is available to you and your dependents What the Plan Covers and pays cash benefits for: AFLAC • Hospitalization or outpatient surgeryCoverage is available for you, your Hospital • Ambulance ridespouse/domestic partner and your Protection Plan • Diagnostic examschildren. If you leave City of Hope, • Annual mammogram and one of nine types ofyou may elect to keep the coverage annual screeningsby paying the premium directly tothe carrier. How to Enroll This policy pays a cash benefit when you orYou may enroll for this AFLAC your covered dependents suffer a life-threateningcoverage only during Open Specified Health event, such as heart attack, stroke, coma, paralysis,Enrollment or your initial persistent vegetative state, major human organ Event Planbenefits eligibility. Contact transplant or major third-degree burns. This policy alsoAFLAC at 661-702-9416 or pays a benefit for an annual mammogram each year.Stephanie_Sanders@us.aflac.com. CITY OF HOPE | BENEFITS 2022 22
RIDESHARE AND ALTERNATIVE COMMUTE PROGRAM Sharing the ride to work helps achieve a more sustainable future. Register for the Rideshare and Alternative Commute Program to participate in subsidized options and to access commuter tools and benefits. Visit Ridelinks at CityofHope.commuterportal.com. PUBLIC TRANSIT City of Hope subsidizes the cost of public transit passes for eligible City of Hope employees. The employer subsidy is applied to the Metro Annual Transit Access Pass (A-TAP) or the Metrolink Train pass ordered through the RideLinks Pass Purchasing Program. Reimbursem*nt for eligible public transit parking expenses is available. VAN POOL Commute With Enterprise offers an alternative to driving your personal vehicle. Participants privately lease seven or 10-seat vehicles and commute together from common pickup locations. BIKING Riding your bike to work is a sustainable, economical and healthy alternative to driving alone. Bicycle commuters can utilize covered bike lockers and open bike racks on the Duarte campus. WALKING When you walk to work or across campus for a meeting, you are doing something worthwhile for yourself and making a valuable contribution to cleaner air. CAR POOL To help you find a car pool partner within the City of Hope community, visit CityofHope.commuterportal.com to access convenient ride matching services. DUARTE CAMPUS PARKING Parking space is limited on the Duarte campus. You are encouraged to use alternative transportation options, however, we understand it is not a viable option for everyone. City of Hope utilizes the Frog Parking app to assign and promote efficient campus parking. You may elect to pay for parking by payroll deduction or pay with your credit card. OTHER PARTICIPATION BENEFITS • ar pool and van pool matching service C • Free Guaranteed Ride Home • Free Metrolink shuttle service to/from Baldwin Park station • Covered bike lockers and open bike racks on campus23 CITY OF HOPE | BENEFITS 2022
ALTERNATIVE COMMUTE INCENTIVES Public Transit or Van Pool Subsidy Up to $270 per month Eligible Public Transit Parking Up to $55 per month for employees scheduled to work less than 20 hours Expense Reimbursem*nt per week or per diem Temporary employees or contractors are not eligible for the subsidy. Earn Virgin Pulse Employee Earn 500 points for your registration at CityofHope.commuterportal.com. Wellness Program Points Earn 500 points for a Public Transit Pass purchase through the Ridelinks Pass Purchasing Program. Earn a Cash Incentive for Earn $300 after 12 months of continuous* and active ridership. Continuous Ridership *Commuter must submit a commuter log in Ridelinks every month with 12 or more commutes per month. Payment is taxable at a supplemental tax rate in the year in which it is paid. For questions related to parking or the Rideshare and Alternative Commute Program for City of Hope, contact transportation@coh.org.TUITION ASSISTANCE PROGRAM Your professional development is important to us! The Tuition Assistance Program is designed to enhance your work-life experience by supporting your decision to continue your education or engage in professional development opportunities.BENEFITS AND SERVICESCity of Hope is partnered with Bright Horizons EdAssist to offer an online way tomanage your professional development. • F ull-time employees are eligible for a benefit of $5,250 per calendar year! Part-time employees are eligible for a prorated amount.* • Personalized coaching to help you develop an education plan that aligns with your career goals • Tuition discounts and other savings at 220+ schools • A mobile app to conveniently manage your tuition assistance requests *All full-time and part-time employees regularly scheduled to work more than 20 hours a week are eligible for tuition assistance after six months of employment. Log in through the EdAssist portal on coh.edassist.com. Your user name and password are the same as your City of Hope login. Or download the EdAssist App. Use Company Code: COH.To learn more, review the Frequently Asked Questions (FAQ) or the Tuition Assistance Guidelinesposted on EdAssist’s online portal, or contact EdAssist Customer Support at 833-890-3425. CITY OF HOPE | BENEFITS 2022 24
RETIREMENT PLANS Provided through Fidelity Investments Saving for retirement is important for you and your family. City of Hope provides you with two plans to help you meet your retirement savings needs: One is fully funded by City of Hope and the other allows you to save additional money for retirement on a pretax or Roth aftertax basis.403(b) TAX-DEFERRED ANNUITY PLAN — EMPLOYEE FUNDEDSaving just a little from each paycheck can make a big difference in the amount you could have when you retire.The 403(b) plan allows you to contribute to a retirement account on a pretax or Roth aftertax basis and investin a variety of funds. Eligible employees may contribute to this plan.* Contribution All contributions to the plan are voluntary and are deducted from employees’ compensation on a pretax or Roth aftertax basis. The combined maximum annual contribution is 75% of compensation up to $20,500 for age 49 and below and $27,000 for age 50 and above. Features •S aving and investing regularly for retirement • Contributions are made on a pretax basis, lowering taxable income, or Roth aftertax basis. • Earnings grow tax-deferred. • Convenience of payroll deduction • Increase or decrease contributions at any time. • A wide range of investments from which to choose With Fidelity’s Online Beneficiary Service, you can designate your beneficiaries, receive Beneficiary Designation instant online confirmation and check your beneficiary information virtually anytime. Login to NetBenefits or call Fidelity to designate your beneficiary. Vesting All contributions made by an employee to the plan are fully and immediately vested. How to Enroll You may enroll in the 403(b) plan immediately upon hire or anytime of the year. Enroll online with Fidelity Investments at netbenefits.com/atwork, or call Member Services at 800-343-0860.*Employees who are not eligible: students exempt from Medicare and Social Security taxes and nonresident aliens25 CITY OF HOPE | BENEFITS 2022
401(a) DEFINED CONTRIBUTION PLAN — FUNDED BY CITY OF HOPEEligible employees* receive company contributions to this plan after one year and 1,000 hours of service during the12-consecutive month period that begins on your hire date and each anniversary of that date. Company contributionswill automatically begin the first full pay period following eligibility using the following contribution formula: Less than 5 years of service More than 5 years of service 2% of base pay 6% of base pay When actual year-to-date base pay exceeds $147,000, When actual year-to-date base pay exceeds $147,000, you will receive an additional 2% “step-up” contribution you will receive an additional 4% “step-up” contribution for eligible compensation greater than $147,000 for the for eligible compensation greater than $147,000 for the remainder of the calendar year not to exceed $305,000 remainder of the calendar year not to exceed $305,000 of annual compensation. of annual compensation.VESTING SCHEDULE“Vesting” in a retirement plan means ownership. This means you will vest, or own, a certain percentage of your accountin the plan for each year of employment. 1 year 2 years 3 years 4 years 5 years 0% 25% 50% 75% 100%*Employees who are not eligible: members of Research Staff Organization (who are covered under a separate plan), Local 501 Union,per diem, on call, students, visiting scientists, predoctoral scholars, postdoctoral scholars and predoctoral fellows. CITY OF HOPE | BENEFITS 2022 26
EMPLOYEE WELLNESS PROGRAM We are committed to supporting your health and well-being so you are able to feel and contribute your best — both at home and at work. A culture of wellness accelerates the positive impact we make on our patients, their families, the communities around us and each other. Our program powered by Virgin Pulse offers a social and engaging way to feel your best and be rewarded up to $350 in gift card rewards, as well as a one-time $25 credit to use toward a step-tracking device.EARN REWARDS IN TWO WAYS:ACTION REWARDS DO HEALTHY WIN POINTS EARN REWARDS THINGS up to $350Complete specific actions to build health awareness and earn $100. Complete your health check survey. Confirm you’ve visited your primary care provider by completing an attestation form. Schedule a Next-Steps Consult for personalized guidance to activities that support your well-being.LEVEL REWARDSComplete healthy activities to earn points and unlock a new reward at each level (up to $250). LEVEL 1 LEVEL 2 LEVEL 3 LEVEL 4 Points Earned 10,000 30,000 45,000 75,000 Reward* $25 $50 $75 $100HOW TO EARN POINTS Health Awareness One Time Submit your biometric screening form. 4,000 points Monthly Complete a coaching appointment. 250 points Activity Daily Per 1,000 steps 10 points Upload steps from (up to 140 15 or more active minutes 70 points your activity tracker points/day) 30 or more active minutes 100 points (Max, Fitbit, Misfit 45 or more active minutes 140 points Shine, Virgin Pulse Monthly Take 7,000 steps 20 days in a month. 400 points mobile app). Take 10,000 steps 20 days in a month. 500 points Self-Tracking Daily Track your healthy habits. 10 points Track healthy habits (up to 30 and various activities. points/day) Cards Daily Complete a daily card (two/day). 20 points Complete Monthly Complete 10 daily cards in a month. 100 points Complete 20 daily cards in a month. 200 points City of Hope Activities Daily Attend a career development course. 350 points Allow four to six weeks for One-time Receive your annual flu shot. 500 points points to post.To view a complete listing of all the ways to earn points, visit join.virginpulse.com/CityofHope.*Per federal guidelines, rewards are taxable and are subject to employment taxes in the year in which they are redeemed.27 CITY OF HOPE | BENEFITS 2022
To get started, create your account at join.virginpulse.com/CityofHope and download the Virgin Pulse Mobile App. Already a member? Visit member.virginpulse.com or log into the mobile app. Questions? Contact Virgin Pulse Member Services. 833-724-4673 Monday through Friday, 5 a.m. to 6 p.m. PTActivities that support our environment of health and well-being include:• ellness Ambassador Network W • Nourishing Hope healthy cooking classes• Diversity, Equity and Inclusion resource groups • Learning and Professional Development Week• Tuition Assistance program • Employee Wellness workshops• Blood donation and Be the Match programs • On-site fitness classes• Rideshare and Alternative Transportation program • Annual flu shots• Employee Giving •W alking stations at Graff Medical and Scientific• 24-Hour Fitness gym discount Library and Rivergrade Administration CenterTo learn more about these activities, visit coh.to/wellness. CITY OF HOPE | BENEFITS 2022 28
EMPLOYEE ASSISTANCE PROGRAM Provided by Lyra HealthEnhance your wellness and find confidential care for your mental health, how, when and where you need it. Whetheryou’re feeling stressed, burned out or grieving a loss, Lyra makes it easy to find and receive confidential, personalized,short-term mental health care. Their online platform allows you to sign up in just a few clicks, find the right coach ortherapist for your needs, and quickly book an appointment in-person or via live video. As a City of Hope employee,you and your spouse or domestic partner, dependents under age 26 and household members are each eligible for upto to 12 sessions per year with a Lyra therapist or coach, covered at no cost to you.No matter what you’re going through, Lyra provides a range of support options for everyone: GUIDED SELF-CARE WITH A COACH Get a care plan crafted by your Lyra coach and learn new mental health strategies at your own pace. IN-PERSON AND VIDEO THERAPY Meet with a therapist for diagnosis and treatment of mental health conditions like depression, PTSD, etc. MENTAL HEALTH COACHING Get to the root of your challenges with effective care from a mental health coach via video or live messaging. ESSENTIALS Tap in to self-led wellness tools anytime, anywhere.Work-life services are also available to resolve emergencies, guide you through challenges and help you stay on top of yourbusy life. Services available to support you include legal and financial consultations, identity theft support and child, elderand pet care resources and referrals.To access work-life services, use access code: Lyra-Coh. Getting started is fast and easy: Answer a few questions to receive care recommendations. The best coaches and therapists are available nationwide, via video and and in person, and are ready to provide evidence-based care. Learn more at coh.lyrahealth.com, care@lyrahealth.com or (877) 672-1266, and download the Lyra Health mobile app.29 CITY OF HOPE | BENEFITS 2022
BACK-UP CHILD AND ADULT/ELDER CARE Provided by Bright HorizonsThe Back-Up Care Advantage Program is your safety net when disruptions to your regular dependent carearrangements (for children or adult/elders) happen and you need to get to work. The program helps benefits-eligibleemployees to find high-quality, center-based and in-home child care from credentialed in-home care agencies andtrained caregivers provided through Bright Horizons. Access Enhanced Family Supports to find resources, discountsand other benefits for primary child care solutions, academic support and tutoring, and enrichment programs.Benefit Overview:• High-quality, low-copay back-up care for your child in your home or in a center; in-home care for adult/elder loved ones throughout the U.S. any time you need an extra hand• This program is subsidized by City of Hope.• Support your family with up to 30 annual days.• Virtual tutoring is available to help in reading, math, science, social studies and 300+ other subjects. Each back-up care use can be exchanged for 4 hours of virtual tutoring. Register at no cost today before you have an urgent need tomorrow. COPAY TO REGISTER: Center-based care: clients.brighthorizons.com/coh $15/child or $25/family User Name: COH In-home care: $6/hour Password: backup4u 877-242-2737 CITY OF HOPE | BENEFITS 2022 30
REPORTING A LEAVE OF ABSENCE Absence management services are provided by Unum If you are or expect to be absent from work due to family and/or medical leave, accidental injury or pregnancy, you must report your absence. Advise your manager that you will be absent. Call Unum’s Member Services at 866-779-1054.Your absence may qualify under the Family Medical Leave Act (FMLA), as well as applicable state laws. Unum’s leavecoordinator will assist you in determining the type of leave for which you qualify, based on City of Hope’s absence policyand consistent with federal and state law. When you call Unum, you will be asked to provide the following information in addition to other questions about your request for leave: •R eason for the leave of absence • Last day you were (will be) at work and anticipated return to work date • Physician information (including name, address, phone number and fax number) — if applicable After initiating a leave of absence under FMLA and/or filing a claim for Short-Term Disability, Unum will send you a letter confirming receipt of your claim. They will also send you an Attending Physician’s Statement form for you or your family member’s physician to complete. These forms should be returned to Unum by the due date provided in your letter. Employees in California are required to apply for State Disability Insurance and Paid Family Leave. Employees in cities or states with mandatory paid parental leave are required to apply for these benefits in order to receive paid parental leave. Short-Term Disability pay benefits are reduced by any city or state benefits amount. To begin your claim for California State Disability Insurance: Access the Employment Development Department website at edd.ca.gov/disability or call the EDD at 800-480-3287 (English) or 866-658-8846 (Spanish). A Unum representative can assist you in navigating the SDI website — call 855-861-8008. Unum Member Services to report a leave of absence: 866-779-105431 CITY OF HOPE | BENEFITS 2022
EMPLOYEE CONTRIBUTIONSMEDICAL PLANS Contribution Aetna Traditional Kaiser Aetna HMO Aetna EPO Aetna HSA PPO per Pay Period PPOFull-time*Employee only $53.39 $55.81 $56.42 $80.04 $39.30Employee + Spouse $131.16 $138.63 $183.62 $197.11 $127.89Employee + Child(ren) $118.57 $121.94 $164.33 $177.40 $114.46Family $181.15 $188.02 $251.06 $272.41 $174.87Part-time 1**Employee only $80.09 $83.72 $84.63 $120.06 $58.95Employee + Spouse $196.74 $207.95 $275.43 $295.67 $191.84Employee + Child(ren) $177.86 $182.91 $246.50 $266.10 $171.69Family $253.61 $263.23 $351.49 $381.37 $244.82Part-time 2 ***Employee only $106.78 $111.62 $112.84 $160.08 $78.60Employee + Spouse $262.32 $277.26 $367.24 $344.94 $255.78Employee + Child(ren) $237.14 $243.88 $328.66 $328.19 $228.92Family $344.18 $329.04 $439.36 $422.24 $332.25*72-80 standard scheduled hours per pay period, **56-71 standard scheduled hours per pay period, ***40-55 standard scheduledhours per pay period. If you waive City of Hope’s medical plans, you receive a biweekly credit — full-time: $17.36, part-time 1:$13.90, part-time 2: $10.42.VOLUNTARY AD&D RATES, EMPLOYEE PAID Plans Employee Only Employee + Family $0.009 per $0.014 per $1,000 Contribution per Pay Period $1,000 of coverage of coverageVOLUNTARY LIFE RATES, EMPLOYEE PAID Plans Employee Only Spouse Child $0.074 per $0.127 per $0.46 per $10,000 Contribution per Pay Period $1,000 of coverage $1,000 of coverage of coverage CITY OF HOPE | BENEFITS 2022 32
EMPLOYEE CONTRIBUTIONSDENTAL AND VISION PLANS Contribution per Pay Period Aetna DMO Dental Aetna DPPO Dental VSP Vision Full-time* Employee only $2.37 $6.69 $7.76 Employee + Spouse $9.88 $25.76 $7.76 Employee + Child(ren) $9.91 $28.34 $7.76 Family $13.04 $41.24 $7.76 Part-time 1 ** Employee only $4.74 $13.38 $7.76 Employee + Spouse $11.66 $29.06 $7.76 Employee + Child(ren) $11.69 $31.96 $7.76 Family $15.39 $46.52 $7.76 Part-time 2 *** Employee only $7.11 $20.07 $7.76 Employee + Spouse $13.44 $33.53 $7.76 Employee + Child(ren) $13.48 $36.88 $7.76 Family $17.73 $53.68 $7.76*72-80 standard scheduled hours per pay period, **56-71 standard scheduled hours per pay period,***40-55 standard scheduled hours per pay period Benefits and Wellness Services Contact us: Call: 626-218-2228 or Extension 82228 Email: benefits@coh.org33 CITY OF HOPE | BENEFITS 2022
This is not a legal document. In case of a discrepancy between this guide and the plan document/evidence of coverage, the plan document/evidence of coverage always governs. Please refer to your certificate, summary plan description or evidence of coverage for a complete explanation of benefits provided, exclusions and limitations, and additional plan information. Receipt of this booklet is not a promise of future employment. 20000.N.45197CityofHope.org
