New Hire Guide 2021 1 ... Below you'll find a quick overview of the comprehensive benefits K-C offers. Explore ... instructions, and beneficiary.
Joining K-C Your new hire guide to enrolling in and managing your K-C benefits. Table of Contents 01 WELCOME 02 CONTACTS 03 BENEFITS OVERVIEW 07 MANAGING YOUR HEALTH & RETIREMENT BENEFITS 08 ENROLLMENT PREPARATION 09 ENROLLMENT TIMELINE & CHECKLIST 10 WORKDAY & UKG PRO HOW-TO 11 REQUIRED DISCLOSURES If you're an employee covered by a Collective Bargaining Agreement (CBA), see your HR representative or other person designated at your unit for information on how your plan(s) may differ from the information provided in this guide. You may also call the K-C Benefits Information Line at 800-551-2333 to speak with a representative. Welcome. We're glad you've made the decision to join Kimberly-Clark (K-C). K-C is a team of talented people working together to improve the lives of people everywhere. To attract and retain these talented people people like you we provide competitive benefits ranging from health care and time away from work to income protection and retirement. Maximizing your K-C benefits takes teamwork. First, we build and administer these competitive benefits to provide you and your family with the essentials you need to live well. Then, it's up to you to take it the rest of the way by using the resources available for your benefits enrollment. Once you've enrolled, you can use these resources for guidance when you need to use your benefits. We understand that your first days and weeks in a new job and new company can be overwhelming. That's why this guide is on the shorter side. It gives you just enough information so you can become familiar with your K-C benefits, while directing you to other resources where you can dig deeper for details. New Hire Guide 2021 1 Contacts Vendor/Service Website Phone Administrative Services Provider Empyrean Health & Welfare Includes Medical, Dental, Vision, Life, and Other Welfare Benefits kcbenefitcompass.com K-C Benefits Information Line 800-551-2333 Choose the Health & Welfare option Monday Friday, 9 a.m. to 5 p.m. ET Fidelity Retirement 401(k) & Profit Sharing Plan netbenefits.com K-C Benefits Information Line 800-551-2333 Choose the 401(k) & Pension option Monday Friday, 8:30 a.m. to 8:30 p.m. ET Pay, Tax, & Time Reporting UKG (formerly called Ultimate) UKG Pro portal (formerly called UltiPro) Go to K-C & Me > Quick Links > Time & Pay 833-442-5275 Monday Friday, 8:30 a.m. to 8:30 p.m. ET Medical & Prescription Drug Anthem Blue Cross Blue Shield (Anthem) anthem.com 866-873-4010 Monday Friday, 8 a.m. to 8 p.m. ET CVS/caremark caremark.com 888-797-8911 24/7, 365 days a year Dental & Vision Delta Dental deltadentalins.com/ kimberly-clark 866-496-2371 Monday Friday, 8 a.m. to 8 p.m. ET EyeMed eyemedvisioncare.com 866-939-3633 Monday Saturday, 7:30 a.m. to 11 p.m. ET Sunday, 11 a.m. to 8 p.m. ET Saving & Spending Accounts, Education , Adoption, & Surrogacy Assistance ConnectYourCare connectyourcare.com 844-594-1228 24/7, 365 days a year Matrix Short-Term Disability, Parental Leave, Military Leave, & FMLA MetLife Long-Term Disability Securian Group Life Insurance Voya Critical Illness & Accident Insurance Zurich Accidental Death & Dismemberment (AD&D) & Business Travel Insurance (BTA) Bright Horizons Child & Adult Back-Up Care Optum Employee Assistance Program (EAP) Income Protection matrixabsence.com https://online.metlife.com/edge/web/ public/benefits lifebenefits.com presents.voya.com/EBRC/ KimberlyClarkCorporation zurichna.com Other Benefits clients.brighthorizons.com/kcc Username: KCC Password: mykcbenefits liveandworkwell.com Access code: KCC 877-202-0055 24/7, 365 days a year 800-300-4296 Monday Friday, 8 a.m. to 11 p.m. ET 866-293-6047 Monday Friday, 8 a.m. to 5 p.m. ET 888-238-4840 Monday Friday, 9 a.m. to 6:30 p.m. ET 800-382-2150 Monday Friday, 8 a.m. to 8 p.m. ET 877-242-2737 24/7, 365 days a year 888-968-7327 24/7, 365 days a year For a complete list, go to mykcbenefits.com/contacts. See page 6 for more contact details for Empyrean and Fidelity. 2 K-C Benefits Benefits Overview Below you'll find a quick overview of the comprehensive benefits K-C offers. Explore all the ways K-C can help you get and stay healthy, protect your income, and save for retirement by visiting mykcbenefits.com. Health & Welfare (H&W) Medical This benefit provides coverage for eligible medical services and prescription drugs. Anthem Blue Cross Blue Shield (Anthem) is our national medical insurance carrier, and CVS/caremark is our national prescription drug carrier. All of K-C's medical plan options provide free preventive medical services and automatically include prescription services. If you and your covered dependents are tobacco-free or enrolled in a tobacco cessation program for the last 12 months, you'll receive a $240 discount on your annual medical paycheck costs. During enrollment, you'll be asked your tobaccouse status to determine if you're eligible for the tobacco-free discount. Dental K-C offers dental coverage through Delta Dental, our dental insurance carrier. This benefit provides coverage for eligible preventive/diagnostic, maintenance, and orthodontia services. Biannual preventive cleanings and checkups are covered at 100%. Vision K-C offers vision coverage through EyeMed, our vision insurance carrier. This benefit provides coverage for routine eye exams, allowances for eyeglasses and contacts, and discounts for other eye care services. Saving and Spending Accounts K-C offers tax-advantaged accounts through ConnectYourCare (CYC) to help you set aside money for health-related and dependent care expenses: · Health Savings Account (HSA)* · Flexible Spending Account (FSA), including Limited Use FSA · Dependent Care Spending Account (DCSA) *If you or your spouse participated in a General Purpose FSA in the current calendar year, you're not eligible to contribute to an HSA until the following calendar year. There are additional limitations for eligibility to contribute to an HSA. For more information, go to mykcbenefits.com > Joining K-C. Note: The IRS limits all saving and spending account contributions. For more information, go to mykcbenefits.com. What does Health & Welfare or H&W mean? Here at K-C, we refer to your health care benefits as Health & Welfare or H&W benefits. These include medical, dental, vision, and certain other insurances. When am I covered? Although your H&W benefits are effective on your start date, you'll still need to make benefit elections and enroll within 30 days after Empyrean emails you with H&W enrollment information. If you don't, you'll be automatically enrolled in basic coverage, which may not meet your needs and won't include coverage for any eligible dependents you may have. What if I need care before I enroll? If you require care before you complete your enrollment within the 30-day time frame, you'll have coverage retroactive to your hire date. Explain to your provider that you're in the process of enrolling in health care coverage with K-C and ask to be billed later. Once enrolled, contact your provider and ask them to resubmit any claims. If instructed to pay upfront, pay the minimum amount possible and file your claim with your insurance carrier (e.g., Anthem) once you've completed your enrollment. For questions about filing a claim, contact your insurance carrier. Contact information can be found at mykcbenefits.com/contacts. New Hire Guide 2021 3 Health Care Savings Tools & Resources To help you save money on your health care expenses, K-C offers tools and resources to get expert medical advice, shop for health care, and see a doctor 24/7. Covered by a CBA? Your time off benefits vary. Contact site HR for more information. · Get Expert Medical Advice: Teladoc Medical Experts provides access to expert medical advice at no cost to you. Their team of top doctors are available to answer questions and give you a second opinion on any medical diagnosis. · Shop for Health Care: Healthcare Bluebook guides you to the best in-network care in your area at the fairest cost. · See a Doctor 24/7: LiveHealth Online gets you connected with a therapist or board-certified doctor 24/7 from the click of a button on your smartphone or computer. This includes one-on-one counseling and medical guidance for ailments such as cold and flu symptoms, sinus infections, pink eye, and more. Learn more at mykcbenefits.com > Resources > Health & Welfare. Time Away from Work Disability: K-C provides short-term and basic long-term disability coverage at no cost to you. Additional optional long-term disability coverage may be available for purchase during your H&W enrollment. · Short-term disability benefits offer income protection if you're unable to work due to covered illness, injury, surgery, or childbirth for up to 26 weeks. · Long-term disability benefits provide you with continued income protection for a covered illness or injury that extends beyond your short-term disability period. Other Types of Time Off: K-C offers paid vacation and holidays, in addition to other leave benefits. Always check with your Team Leader first before taking any time off from work. · Vacation: If you're hired before December 1, you're eligible for vacation in your first year (amount varies by hire date). In your first full year of full-time employment, you'll receive 80 hours of vacation.* Additional vacation is earned based on years of employment at K-C. · Holidays: You receive eight paid company holidays and 32 hours of paid personal holiday per calendar year.** · Sick Leave: K-C provides 40 hours of paid sick leave per calendar year.*** · FMLA: K-C provides job-protected time off for qualifying events under the Federal (and state, where applicable) Family and Medical Leave Act (FMLA). · Parental Leave: K-C provides 160 hours of paid time off to bond with and care for a child following birth or adoption. · Bereavement Leave: K-C provides paid time off for the death of qualifying individuals. · Military Leave: K-C provides benefits including pay differential for periods of mandatory/elective training or active duty. K-C also offers 80 hours of post-deployment leave for those returning from active duty. Learn more at mykcbenefits.com > Health & Welfare > Other > Time Away from Work. *Amount varies for employees regularly scheduled less than 30 hours per week **Excluding Owensboro ***Amount of leave varies in local or state work locations with sick/state leave laws How can I find out more about K-C's disability benefits? How can I find what time off I'm eligible for? · After you receive your hiring information from Empyrean · If you're a salaried or non-organized production and set up your account, go to Empyrean directly at employee, view the Time Away from Work policies on kcbenefitcompass.com > Plan Information > Summary Plan mykcbenefits.com > Health & Welfare > Other > Descriptions to get your specific disability benefit details. Time Away from Work. · If you're an employee covered by a CBA, contact your 4 K-C Benefits HR representative. Income Protection In addition to disability benefits, K-C offers a variety of benefits designed to protect your income in the case of an accident or death. K-C automatically provides Basic Group Life and Business Travel Accident (BTA) Insurance at no cost to you. You can purchase additional income protection benefits during your H&W enrollment. · Supplemental Life Insurance allows you to purchase additional life insurance coverage for yourself. The cost for coverage is based on your age and is subject to change. You may also purchase life insurance coverage for your spouse and dependents. · Critical Illness Insurance pays a lump sum cash benefit if you or an eligible, covered dependent are diagnosed with certain critical conditions. · Accident Insurance pays a lump sum cash benefit if you or an eligible, covered dependent are injured in an accident and receive care for that injury. · Accidental Death & Dismemberment (AD&D) pays a lump sum cash benefit if you experience a covered loss or injury as a result of a non-workplace accident. You may also purchase AD&D coverage for your spouse. Retirement Plans K-C offers the 401(k) & Profit Sharing Plan (401(k) & PSP) to help you build savings for retirement during your career with K-C. The recordkeeper, Fidelity Investments, manages your account. · 401(k) Contributions: You can elect to contribute up to 50% of your eligible earnings (subject to IRS limits) each pay period through automatic pre-tax, Roth 401(k), and/or after-tax deductions. K-C will match your contribution, dollar-for-dollar, on the first 4% of the eligible earnings you contribute. All contributions, from you and K-C, are 100% vested immediately. Remember, if you're joining K-C mid-year, consider any contributions you've already made to a 401(k) plan to ensure you don't exceed the IRS limits. · Profit Sharing Contributions: Based on Company performance, K-C may make a contribution called profit sharing into your 401(k) account on an annual basis. The range for K-C's discretionary profit sharing contribution payout is between 0% and 8% of your eligible earnings, with an annual target of 4%. · Investment Options: The 401(k) & PSP offers a variety of investment options for the Do-It-Yourself investor. For the Do-It-For-Me investor, Fidelity offers help through Personalized Planning & Advice. For a fee, a professional investment team will monitor and make adjustments to your 401(k) to keep your investment strategies aligned with your retirement goals. If you don't take action in about 30 days, you'll be automatically enrolled in Personalized Planning & Advice, but you can opt out at any time. What is a 401(k)? A 401(k) is a tax-qualified retirement savings plan sponsored by an employer that lets employees conveniently save through payroll deductions. Here at K-C, the retirement benefit we offer is called the 401(k) & PSP. Need help meeting your financial goals? Fidelity's planning consultants can help you save for life's milestones such as retirement, buying a house, or saving for college by calling 866-811-6041. Representatives are available Monday through Friday from 8:30 a.m. to 8:30 p.m. ET. If there is a Fidelity Investor Center in your area, you can even schedule an in-person session. Whether you manage your investments or Fidelity does it for you, Fidelity's planning consultants and Investor Centers are available at no additional cost to you. What happens to K-C's 401(k) contributions? To help you reach your retirement goals, the company match and annual discretionary Profit Sharing contribution will stay invested in your account while you're employed at K-C. For more information, refer to the Summary Plan Description (SPD) on netbenefits.com > Plan Information. New Hire Guide 2021 5 Additional Programs Adoption & Surrogacy K-C offers financial assistance when you grow your family through adoption or surrogacy, with up to $10,000 in reimbursement for eligible expenses per child. Learn more at mykcbenefits.com > Other > Additional Programs > Adoption & Surrogacy Assistance. Education Assistance K-C's Education Assistance program provides reimbursement of qualifying education expenses up to $5,250 per year for tuition, certifications, software programs, and pass-fail courses. The education/certification you select must align with your K-C career development and be approved by your Team Leader. Learn more at mykcbenefits.com > Other > Additional Programs > Education Assistance. Child & Adult Back-Up Care* K-C partners with Bright Horizons to provide you with 10 subsidized back-up care visits per year with qualified, licensed caregivers when there's an emergency disrupting your regular child or adult care. You can select from in-home child and adult care or child care center support from Bright Horizons' network of providers and pay only a small copay or hourly rate. Employee Discount Program As a K-Cer, you can get exclusive discounts at over 30,000 brands and retailers on items like discounted cell phone plans, automobiles, and more using Perks at Work. Learn more at mykcbenefits.com > Other > Additional Programs > Employee Discounts. K-C Foundation Established in 1952, the K-C Foundation carries out our mission of charitable giving, which is based on our promise to be a good employer, a good neighbor, and to support causes that provide essentials for a better life. · Bright Futures Scholarship: If you have a child heading to college, you could get up to $20,000 towards education expenses if your child applies and is selected as a scholarship recipient. · Matching Gifts: K-C matches your charitable gifts dollarfor-dollar ($50 minimum), up to $10,000 per calendar year. · Community Partners Program: You can give up to $1,000 in volunteerism grants to charities where you volunteer your time. Learn more at mykcbenefits.com > Wellbeing > General. Learn more at mykcbenefits.com > Health & Welfare > Other > Back-Up Care. Employee Assistance Program (EAP) Administered by Optum, K-C's EAP program offers confidential assistance for a wide variety of issues such as: · Life changes · Parenting and family issues · Depression, anxiety, and stress · Substance abuse In addition to online resources and phone support, the program covers six free, confidential visits per family member per issue with an in-network EAP provider. Learn more at mykcbenefits.com > Other > Additional Programs > Employee Assistance Program. *Employees covered by a CBA aren't eligible for this benefit. 6 K-C Benefits Managing Your Health & Retirement Benefits When it comes to enrolling in and managing your K-C benefits, you'll use Empyrean for H&W and Fidelity for 401(k) & PSP. As soon as they receive your hiring information from us which takes about a week from your hire date they'll send information directly to you, so watch your email and/or mailbox closely. This information will help guide you through the online account set-up process for both vendors. Once your Empyrean and Fidelity online accounts are set up, you can log in to access more detailed benefits information, make your H&W and 401(k) & PSP elections, check out helpful tools and resources, and much more. Empyrean Fidelity Website You can access H&W information, make your elections, and complete most transactions (e.g., adding a new spouse or child to your coverage) using Empyrean's K-C Benefit Compass website at kcbenefitcompass.com. You can access K-C 401(k) & PSP information, make your elections, and complete most transactions using Fidelity's NetBenefits website at netbenefits.com. Phone Get help with H&W information, elections, and transactions by calling 800-551-2333 and choosing the Health & Welfare option to speak with an Empyrean representative, available Monday through Friday from 9 a.m. to 5 p.m. ET. Get help with 401(k) & PSP information, elections, and transactions by calling 800-551-2333 and choosing the 401(k) & Pension option to speak with a Fidelity representative, available Monday through Friday from 8:30 a.m. to 8:30 p.m. ET. When can I visit these websites and/or call this phone number for support? Once you receive communication from Empyrean and Fidelity, you can visit their websites to set up your online accounts and/or call the K-C Benefits Information Line. Doing so any earlier won't be helpful to you, as they won't have your information yet. New Hire Guide 2021 7 What else should I do to get prepared for enrollment? · Get your dependent information and paperwork together. If you have any eligible dependent(s) you plan to enroll in coverage, you'll need their Social Security Number, date of birth, and address (if different than yours). Documentation is required for every dependent you add to your H&W coverage. During H&W enrollment, you'll see information about who qualifies as an eligible dependent, what documents are required, and how to submit these documents. You'll have 30 days from the day you complete your H&W enrollment to submit your documents. · Tell us who should get your money. It's important to designate beneficiaries for all plans that pay a benefit in the event of your death. If you don't, your money could get tied up in complicated legal matters. You'll need the Social Security Number and date of birth for each beneficiary you elect. Enrollment Preparation As you're getting ready to complete your H&W and 401(k) & PSP enrollment, use the following resources to help with your decision-making process: · Get Familiar: Visit mykcbenefits.com from work or your personal device to learn more about your K-C benefits. Easily navigate to the topic you want to learn more about (e.g., Medical) from the main menu. · Dig Deeper: Most of our benefits have what's called a Summary Plan Description or SPD. This detailed document tells you what's provided as part of the benefit and how the benefit works. Once you've created your online accounts, you can access the H&W SPDs on kcbenefitcompass.com and the 401(k) & PSP SPD on netbenefits.com. · Ask Questions: If you've read through the general and detailed information about K-C's benefits and still have questions, reach out to a representative to get them answered. Call 800-551-2333 to reach the K-C Benefits Information Line. From there, choose the Health & Welfare option to speak to an Empyrean representative and/or choose the 401(k) & Pension option to speak with a Fidelity representative. 8 K-C Benefits Enrollment Timeline & Checklist H&W 401(k) & PSP Action Day 1 Days 7 - 14 No later than Day 30 Your K-C Benefits New Hire Guide provides an overview of your K-C benefits. You'll receive information from Empyrean on how to set up your online account and where to access H&W enrollment instructions, including information on designating beneficiaries. You'll receive information from Fidelity on how to set up your online account, along with 401(k) & PSP highlights, enrollment instructions, and beneficiary designation information. You'll also receive several legal notices from Fidelity one of which is your notice of pending automatic enrollment. You must complete your H&W elections within 30 days of when Empyrean contacts you with H&W enrollment information. If you don't, you'll be automatically enrolled in basic coverage, which won't include coverage for any eligible dependents you may have. For information on eligible dependents, visit kcbenefitcompass.com. Insurance ID card(s) will arrive within two to three weeks after you enroll. If care is needed beforehand, call the K-C Benefits Information Line for assistance. Once you receive notice of your pending automatic enrollment, you have about 30 days to make changes to your 401(k) & PSP elections or you'll be automatically enrolled meaning an 8% pre-tax contribution will be deducted from your eligible earnings each paycheck and you'll default into the Personalized Planning & Advice and Automatic Increase Program. You can change your 401(k) contribution and investment elections at any time by visiting netbenefits.com. · Get familiar with your K-C benefits by reading this guide and visiting mykcbenefits.com for more details. · Set up your Empyrean and Fidelity online accounts. · Dig deeper by reviewing the H&W and 401(k) & PSP SPDs. · Ask questions by calling the K-C Benefits Information Line. · Consider contacting our H&W providers directly (e.g., Anthem, CVS/caremark, Delta Dental) if you need greater detail. · H&W ENROLLMENT DEADLINE: Complete your H&W elections by this date. · 401(k) & PSP AUTOMATIC ENROLLMENT DEADLINE: Complete your 401(k) & PSP elections by this date. · DESIGNATE BENEFICIARIES: Designate beneficiaries for all plans that pay a benefit in the event of your death. Note: 30 days is subject to postal mail delivery. Annual Enrollment All K-Cers are responsible for reviewing and re-electing their H&W benefits annually. This takes place each fall and is called Annual Enrollment. Leading up to Annual Enrollment, K-Cers receive communication about any H&W benefit changes for the upcoming year. K-Cers must take action to complete their elections by a certain date or they'll be automatically enrolled in basic coverage and be designated as a tobacco-user, along with any eligible dependents they currently have enrolled. It's important to note that the H&W enrollment you complete when you first join K-C is to provide the coverage you need for the calendar year in which you're hired. The H&W enrollment you complete during Annual Enrollment is to provide the coverage you need for the upcoming calendar year. This means you'll complete two H&W enrollments during your first year at K-C. Benefit ID Cards After completing your H&W enrollment, it can take two to three weeks to receive your insurance ID cards in the mail. Once enrolled, you can view digital copies of your medical, prescription, dental, and vision ID cards online. Note: ID cards are not mailed for vision insurance. New Hire Guide 2021 9 Workday How-To Workday is K-C's system of record of your personal information for HR-related needs. See the table below for quick directions. If you want to... Log in to Workday Change your contact information Set up direct deposit Take these steps... 1. Launch Internet Explorer from work or within the K-C firewall (automatically directs to @K-C). 2. From the @K-C home page, select Tools and click on Workday towards the bottom of the page. 1. Log in to Workday. 2. From the home page, select the Personal Information worklet. 3. Click Contact Information in the Change column. 4. Click the Edit button at the top of the page. 5. After completing the changes, click Submit. 6. Click Done after viewing the confirmation screen. 1. Log in to Workday. 2. From the home page, select the Pay worklet. 3. Click Payment Elections under the Actions column. 4. Click Add Account under the Accounts section. 5. Enter the Account Type, Bank Name, Routing Transit Number, and Account Number. 6. Click OK after you've entered all the information. 7. Scroll down and click Done to complete the process. If you have questions about HR-related policies and procedures, call the HR Contact Center at 866-444-4516, available Monday through Friday, from 8 a.m. to 6 p.m. ET. UKG Pro How-To The UKG Pro portal is your one-stop shop for your pay, tax, and time reporting information. See the table below for quick directions on how to complete your pay and time tasks. If you want to... Take these steps... Log in to UKG Pro 1. Log in to K-C & Me. 2. Select Time & Pay under Quick Links. Change Withholding Form W-4 1. Log in to UKG Pro. 2. From the main menu, select Income Tax. 3. Under Things I can do, click Add/Change Withholding Form W-4. View copies of your pay 1. Log in to UKG Pro. statements 2. From the main menu, select Current Pay Statement. View your time information 1. Log in to UKG Pro. 2. From the main menu, select Time & Attendance. If you have pay, tax, and time reporting questions, contact the K-C Payroll Service Center by phone at 833-442-5275 or by email at firstname.lastname@example.org. Representatives are available Monday through Friday, from 8:30 a.m. to 8:30 p.m. ET. 10 K-C Benefits Required Disclosures This section wraps up your New Hire Guide with four required disclosures. The first three relate to H&W and the last one relates to 401(k) & PSP. Health Insurance Marketplace Coverage Options General Information When key parts of the health care law took effect in 2014, there became a new way to buy health insurance: the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, this notice provides some basic information about the new Marketplace and employmentbased health coverage offered by Kimberly-Clark. 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. You may also be eligible for a new kind of tax credit that lowers your monthly premium right away. Open enrollment for health insurance coverage through the Marketplace begins in November 2020 for coverage starting as early as January 1, 2021. Can I Save Money on My Health Insurance Premiums in the Marketplace? You may qualify to save money and lower your monthly premium, but only if your employer does not offer coverage, or offers coverage that doesn't meet certain standards. The savings on your premium that you're eligible for depend on your household income. Does Employer Health Coverage Affect Eligibility for Premium Savings Through the Marketplace? Yes. If you have an offer of health coverage from your employer that meets certain standards, you will not be eligible for a tax credit through the Marketplace and may wish to enroll in your employer's health plan. However, you may be eligible for a tax 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 meets certain standards. If the cost of a plan from your employer that would cover you (and not any other members of your family) is more than 9.5% of your household income for the year, or if the coverage your employer provides does not meet the "minimum value" standard set by the Affordable Care Act, you may be eligible for a tax credit. If you purchase a health plan through the Marketplace instead of accepting health coverage offered by your employer, then you may lose the employer contribution (if any) to the employer-offered coverage. Also, this employer contribution, as well as your employee contribution to employer-offered coverage, is often excluded from income for Federal and State income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis. Note: An employer-sponsored 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% of such costs (Section 36B(c)(2)(C)(ii) of the Internal Revenue Code of 1986). How Can I Get More Information About the Marketplace? The Marketplace can help you evaluate your coverage options, including your eligibility for coverage 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. New Hire Guide 2021 11 Information About Health Coverage Offered by Kimberly-Clark 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. Kimberly-Clark Information 3. Employer Name 4. Employer Identification Number (EIN) 5. Employer Address 6. Employer Phone Number 7. City Detail Kimberly-Clark Located in Box B on your W-2 400 Goodys Lane Suite 100 1-865-541-7000 Knoxville · If, for example, your wages vary from week to week (perhaps you are an hourly employee or you work on a commission basis), if you are newly employed mid-year, or if you have other income losses, you may still qualify for a premium discount. · If you decide to shop for coverage in the Marketplace, HealthCare.gov will guide you through the process. For more information about: · The Marketplace and Marketplace coverage options, visit HealthCare.gov or contact the Help Center at 1-800-318-2596. TTY users should call 1-855-889-4325. · Coverage offered by Kimberly-Clark, including eligibility and pricing information, visit K-C Benefit Compass at kcbenefitcompass.com or call 1-800-551-2333 between 9 a.m. and 5 p.m., ET, Monday-Friday. 8. State TN 9. ZIP Code 37922 10. Who can we contact about employee health coverage at this job? Empyrean Service Center 11. Phone Number 1-800-551-2333, choose Health & Welfare option 12. Email Address Not Available Here is some basic information about health coverage offered by this employer: · The coverage your employer offers to eligible employees meets the minimum value standard, and the cost of this coverage is intended to be affordable, based on employee wages. · Even if Kimberly-Clark intends your coverage to be affordable, you may still be eligible for a premium discount through the Marketplace. The Marketplace will use your household income, along with other factors, to determine whether you may be eligible for a premium discount. 12 K-C Benefits Kimberly-Clark's Group Health Plans' Notice of Health Information Privacy Practices This notice describes how your health information (medical, dental, vision, and prescription drug information) in the group health plans sponsored by Kimberly-Clark Corporation may be used and disclosed and how you can get access to this information. Please review it carefully. This notice is required by law under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) as amended by the Health Information Technology for Economic and Clinical Health Act of 2010. · HIPAA is a federal law. One of its primary purposes is to make certain that information about your health is handled with special respect for your privacy. HIPAA includes numerous provisions that are designed to maintain the privacy and confidentiality of your protected health information (PHI). Our Pledge Regarding Health Information: · We understand that health information about you and your health is personal. · We are committed to protecting health information about you. · This notice will tell you about the ways in which we may use and disclose health information about you. · We also describe your rights and certain obligations we have regarding the use and disclosure of health information. We Are Required by Law to: · Ensure that health information that identifies you is kept private, except as such information is required or permitted to be disclosed by law; · Give you this notice of our legal duties and privacy practices with respect to health information that Kimberly-Clark group health plans may collect and maintain about you; and, · Abide by the terms of the notice that is currently in effect. New Hire Guide 2021 13 How the Kimberly-Clark Group Health Plans May Use and Disclose Health Information about You The categories listed below describe different ways that we and our business associates may use and disclose health information without your prior written authorization. Not every possible use or disclosure in a category is listed below. However, all of the ways we are permitted to use and disclose information will fall within one of the categories. The Kimberly-Clark group health plans will not use or disclose your health information without your prior written authorization, except as permitted or required by law and described in this notice. For example, in general and subject to specific conditions, we will not use or disclose your psychiatric notes; we will not use or disclose your health information for marketing; and we will not sell your health information, unless you give us a written authorization. For purposes of this notice, any references to "we" or "KimberlyClark group health plans" include our business associates. Health Care Operations: We may use and disclose health information about you for other Kimberly-Clark group health plans operations. These uses and disclosures are necessary to run the Plans. For example, we may use information in your health record to assess our claims experience, to make determinations with respect to the payment options we should offer participants, and for chronic disease management programs. However, we will not use your genetic information for underwriting purposes. Business Associates: There are some services provided in our organization through contracts with business associates. For example, we may contract with a company to provide benefit management services to adjudicate claims for prescription drug benefits under our prescription drug benefit plan. When these services are contracted, we may disclose your health information to our business associates so that they can perform the job we've asked them to do, which may include billing you, your insurance, or another third-party payer for services rendered and for analyzing claim data. We require our business associates to appropriately safeguard your information and agree to this in writing in the contract. Treatment: The Kimberly-Clark group health plans do not provide health treatment, but we may use or disclose your health information for coordination and management of your care to health care providers, such as your doctors, dentists, pharmacies, or hospitals. For example, doctors may request medical information to supplement their own records. We may also use or disclose your health information to coordinate the provision of mail order pharmacy services, or by sending certain information to doctors for patient safety or other treatment-related reasons. Payment: We may use and disclose your health information in order to bill and collect payment for health insurance premiums, and for reimbursement of health care insurance benefits provided to you under your plan. We contract out to third-party payers to assess your health information to determine if payment is appropriate for the treatment you have received. These third parties may review information that identifies you, as well as your diagnosis and services provided. They may also share that information with other contractors and agents who assist the Kimberly-Clark group health plans in the payment process. Plan Sponsor: We may disclose your health information to the plan sponsor (Kimberly-Clark Corporation) for purposes related to benefits and claims administration. For example, the plan sponsor may use this information to plan for its expected expenses under the plan or to assess health initiative benefit programs. Kimberly-Clark employees must protect the privacy of your health information as part of their jobs with Kimberly-Clark. Kimberly-Clark does not give employees access to your health information unless they need it as part of their jobs. Your health information cannot be used for employment purposes without your specific authorization. As Required by Law: We will disclose health information about you when required to do so by federal, state, or local law. Workers' Compensation: We may release health information about you for workers' compensation or other similar programs established by law, but only as authorized by, and to the extent necessary to comply with, laws relating to workers' compensation and similar programs. These programs provide benefits for work- related injuries or illness without regard to fault. 14 K-C Benefits Law Enforcement: We may disclose your health information for law enforcement purposes, or in response to a valid subpoena or other judicial or administrative request. Public Health or Safety: We may use and disclose health information about you when necessary (i) to prevent a serious threat to your health and safety or the health and safety of others, such as for the purpose of preventing or controlling disease, injury, or disability; (ii) to report the abuse or neglect of children, elders, dependent adults, or others; (iii) to persons subject to the jurisdiction of the Food and Drug Administration for the purposes of product safety or effectiveness; or (iv) to a person who may have been exposed to a communicable disease or may otherwise be at risk of contracting or spreading the disease or condition. Health Oversight Activities: We may disclose your health information to a health oversight agency for activities authorized by law. These activities, which are necessary for the government to monitor the health care system, may include audits, investigations, inspections, and licensure. Coroners and Funeral Directors: We may disclose protected health information to a coroner or medical examiner to identify a deceased person, determine cause of death, or permit the coroner or medical examiner to fulfill their legal duties. We may also disclose information to funeral directors to allow them to carry out their duties. Organ Donation: We may use or disclose protected health information after your death to organ procurement organizations or other entities engaged in the procurement, banking, or transplantation of cadaveric organs, eyes, or tissue. Research: We may use or disclose your health information for research if approved by an institutional review or privacy board and appropriate steps have been taken to protect such information. Fundraising: We may use your demographic information, insurance status, and dates of service to contact you regarding any fundraising activities in which we may engage. You may opt out of future fundraising communications. Friends and Family Involved in Your Care and Emergencies: If you need emergency treatment and we are unable to obtain your consent, we may share your health information with a family member or other person who is involved with your care. Disaster Relief: In the event of a disaster, we may provide your health information to disaster relief organizations. Appointment Reminders and Alternative Treatments: We may use health information about you to provide you with information about appointment reminders, alternative treatments, or other health-related benefits and services that may be of interest to you. Specialized Government Functions: We may disclose your health information for specialized government purposes, including military and veterans' activities, national security and intelligence activities, protective service of the President and others, medical suitability determinations for Department of State officials, correctional institutions and law enforcement custodial situations, or for the provision of public benefits. New Hire Guide 2021 15 Your Rights Regarding Your Health Information This section describes your rights regarding the health information we maintain about you. Unless noted otherwise below, your requests relating to the Kimberly-Clark group health plans must be submitted in writing to: Attn: Privacy Contact Kimberly-Clark 400 Goodys Lane, Suite 100 Knoxville, TN 37922 Right to an Accounting of Disclosures: You have the right to request a list of certain disclosures of your health information that the Kimberly-Clark group health plans or our business associates have made. Your request must state a time period, which may not be longer than six years before the date of the request. The first list you request within a 12-month period will be at no cost. For additional lists within a 12-month period, we may charge you for the costs of providing the list. Before providing you with the accounting, we will notify you of the costs involved, and you may choose to withdraw or modify your request at that time before any costs are incurred. Right to Inspect and Copy: You have the right to inspect and copy your health information. If the information you request is maintained electronically, and you request an electronic copy, we will provide a copy in electronic form and format you request, if the information can be readily produced in that form and format; if the information cannot be readily produced in that form and format, we will work with you to come to an agreement on form and format. If we cannot agree on an electronic form and format, we will provide you with a paper copy. If you request a copy of the information, we may charge a fee for the costs of copying, mailing, or other supplies associated with your request. We may deny your request to inspect and copy health information in certain limited circumstances. If you are denied access to health information, you will receive a written denial and information regarding how your denial may be reviewed. Right to Amend: If you believe that health information we have about you is incorrect or incomplete, you have the right to request that we amend the existing information. You must provide the request and your reason(s) for the request in writing to the contact person listed above. You will be notified in writing if your request is denied. If your request is denied, you have the right to submit a written statement disagreeing with the denial, which will be appended or linked to the health information in question. Right to Request Restrictions: You have the right to request a restriction or limitation on the health information we use or disclose about you for treatment, payment, or health care operations; except as required in the next paragraph, we are not required to agree to your request. If, however, we do agree to your request, we will comply with your request unless the information is needed to provide you emergency treatment. We will comply with any restriction request if (1) except as otherwise required by law, the disclosure is to a health plan for purposes of carrying out payment or health care operations (and is not for purposes of carrying out treatment); and (2) the protected health information pertains solely to a health care item or service for which the health care provider involved has been paid in full by you or another person. Right to Request Confidential Communications: You have the right to request that we communicate with you about health matters in a certain way or at a certain location. For example, you can ask that we only contact you at work or by mail. Your request must specify how or where you wish to be contacted by the Kimberly-Clark group health plans. Right to Revoke: You have the right to revoke in writing any authorization you have given us with respect to how we may use or disclose your health information. If you revoke your authorization, we will no longer use or disclose health information about you for the reasons covered by your written authorization. You understand that we are unable to take back any disclosures we have already made with your authorization, and that we are required to retain certain records about you. 16 K-C Benefits Right to Receive Notification in the Event of a Breach: You have a right to receive notification if there is a breach of your unsecured health information. After learning of a breach, we must provide notice to you without unreasonable delay and in no event later than 60 calendar days after our discovery of the breach, unless a law enforcement official requires us to delay the breach notification. Changes to the Notice of Health Information Privacy Practices We reserve the right to change the terms of this notice at any time. We reserve the right to make the revised or changed notice effective for health information we already have about Right to File a Complaint: If you believe your privacy rights have been violated, you may file a complaint with us or with the Office for Civil Rights, Department of Health and you, as well as any information we receive in the future. We will distribute a revised notice to you and post a copy of the current notice on K-C Benefit Compass. Human Services. You will not be penalized, or in any other way retaliated against, for filing a complaint. All complaints submitted to us must be submitted in writing and sent to the Privacy Contact, as shown below. For More Information or to Report a Problem Right to Receive Notice Electronically or Obtain a Paper Copy: You may download an electronic copy of this document by logging on to K-C Benefit Compass at kcbenefitcompass.com. You have the right to a paper copy of this notice. You may ask us to give you a copy of this notice at any time. Even if you have agreed to receive this notice electronically, you are still entitled to a paper copy If you have questions or would like additional information, you may contact our Privacy Contact at 865-541-7215. If you believe your privacy rights have been violated, you can file a formal complaint with our Privacy Contact, Kimberly-Clark, 400 Goodys Lane, Suite 100, Knoxville, TN 37922 or with the U.S. Department of Health and Human Services. You will not be penalized for filing a complaint. of this notice. Originally Adopted: August 1, 2005 Revised: November 11, 2019 To obtain a paper copy of this notice, the Privacy Contact may SF1 1549411 be reached in writing at the address on page 16. Or, you may call the Privacy Contact at 865-541-7215. New Hire Guide 2021 17 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 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 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 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 July 31, 2020. Contact your State for more information on eligibility. ALABAMA Medicaid Website: http://myalhipp.com/ Phone: 1-855-692-5447 ALASKA Medicaid The AK Health Insurance Premium Payment Program Website: http://myakhipp.com/ Phone: 1-866-251-4861 Email: CustomerService@MyAKHIPP.com Medicaid Eligibility: http://dhss.alaska.gov/dpa/Pages/ medicaid/default.aspx ARKANSAS Medicaid Website: http://myarhipp.com/ Phone: 1-855-MyARHIPP (855-692-7447) CALIFORNIA - Medicaid Website: https://www.dhcs.ca.gov/services/Pages/TPLRD_ CAU_cont.aspx Phone: 916-440-5676 18 K-C Benefits COLORADO Health First Colorado (Colorado's Medicaid Program) & Child Health Plan Plus (CHP+) Health First Colorado Website: https://www. healthfirstcolorado.com/ Health First Colorado Member Contact Center: 1-800-221-3943/ State Relay 711 CHP+: https://www.colorado.gov/pacific/hcpf/child-healthplan-plus CHP+ Customer Service: 1-800-359-1991/ State Relay 711 Health Insurance Buy-In Program (HIBI): https://www.colorado.gov/pacific/hcpf/health-insurancebuy-program HIBI Customer Service: 1-855-692-6442 FLORIDA Medicaid Website: https://www.flmedicaidtplrecovery.com/ flmedicaidtplrecovery.com/hipp/index.html Phone: 1-877-357-3268 GEORGIA Medicaid Website: https://medicaid.georgia.gov/health-insurancepremium-payment-program-hipp Phone: 678-564-1162 ext 2131 INDIANA Medicaid Healthy Indiana Plan for low-income adults 19-64 Website: http://www.in.gov/fssa/hip/ Phone: 1-877-438-4479 All other Medicaid Website: https://www.in.gov/medicaid/ Phone 1-800-457-4584 IOWA Medicaid and CHIP (Hawki) Medicaid Website: https://dhs.iowa.gov/ime/members Medicaid Phone: 1-800-338-8366 Hawki Website: http://dhs.iowa.gov/Hawki Hawki Phone: 1-800-257-8563 KANSAS Medicaid Website: http://www.kdheks.gov/hcf/default.htm Phone: 1-800-792-4884 KENTUCKY Medicaid Kentucky Integrated Health Insurance Premium Payment Program (KI-HIPP) Website: https://chfs.ky.gov/agencies/dms/ member/Pages/kihipp.aspx Phone: 1-855-459-6328 Email: KIHIPP.PROGRAM@ky.gov KCHIP Website: https://kidshealth.ky.gov/Pages/index.aspx Phone: 1-877-524-4718 Kentucky Medicaid Website: https://chfs.ky.gov LOUISIANA Medicaid Website: www.medicaid.la.gov or www.ldh.la.gov/lahipp Phone: 1-888-342-6207 (Medicaid hotline) or 1-855-618-5488 (LaHIPP) MAINE Medicaid Enrollment Website: https://www.maine.gov/dhhs/ofi/applications-forms Phone: 1-800-442-6003 TTY: Maine relay 711 Private Health Insurance Premium Webpage: https://www.maine.gov/dhhs/ofi/applications-forms Phone: 1-800-977-6740. TTY: Maine relay 711 MASSACHUSETTS Medicaid and CHIP Website: http://www.mass.gov/eohhs/gov/departments/ masshealth/ Phone: 1-800-862-4840 MINNESOTA Medicaid Website: https://mn.gov/dhs/people-we-serve/children-andfamilies/health-care/health-care-programs/programs-andservices/other-insurance.jsp Phone: 1-800-657-3739 MISSOURI Medicaid Website: https://www.dss.mo.gov/mhd/participants/pages/ hipp.htm Phone: 573-751-2005 New Hire Guide 2021 19 MONTANA Medicaid Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/ HIPP Phone: 1-800-694-3084 NEBRASKA Medicaid Website: http://www.ACCESSNebraska.ne.gov Phone: 855-632-7633 Lincoln: 402-473-7000 Omaha: 402-595-1178 NEVADA Medicaid Medicaid Website: http://dhcfp.nv.gov Medicaid Phone: 1-800-992-0900 NEW HAMPSHIRE Medicaid Website: https://www.dhhs.nh.gov/oii/hipp.htm Phone: 603-271-5218 Toll free number for the HIPP program: 1-800-852-3345, ext 5218 NEW JERSEY Medicaid and CHIP Medicaid Website: http://www.state.nj.us/humanservices/ dmahs/clients/medicaid/ Medicaid Phone: 609-631-2392 CHIP Website: http://www.njfamilycare.org/index.html CHIP Phone: 1-800-701-0710 NEW YORK Medicaid Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831 NORTH CAROLINA Medicaid Website: https://medicaid.ncdhhs.gov/ Phone: 919-855-4100 NORTH DAKOTA Medicaid Website: http://www.nd.gov/dhs/services/medicalserv/ medicaid/ Phone: 1-844-854-4825 OKLAHOMA Medicaid and CHIP Website: http://www.insureoklahoma.org Phone: 1-888-365-3742 OREGON Medicaid Website: http://healthcare.oregon.gov/Pages/index.aspx http://www.oregonhealthcare.gov/index-es.html Phone: 1-800-699-9075 PENNSYLVANIA Medicaid Website: https://www.dhs.pa.gov/providers/Providers/Pages/ Medical/HIPP-Program.aspx Phone: 1-800-692-7462 RHODE ISLAND Medicaid and CHIP Website: http://www.eohhs.ri.gov/ Phone: 1-855-697-4347, or 401-462-0311 (Direct RIte Share Line) SOUTH CAROLINA Medicaid Website: https://www.scdhhs.gov Phone: 1-888-549-0820 SOUTH DAKOTA - Medicaid Website: http://dss.sd.gov Phone: 1-888-828-0059 TEXAS Medicaid Website: http://gethipptexas.com/ Phone: 1-800-440-0493 UTAH Medicaid and CHIP Medicaid Website: https://medicaid.utah.gov/ CHIP Website: http://health.utah.gov/chip Phone: 1-877-543-7669 VERMONT Medicaid Website: http://www.greenmountaincare.org/ Phone: 1-800-250-8427 VIRGINIA Medicaid and CHIP Website: https://www.coverva.org/hipp/ Medicaid Phone: 1-800-432-5924 CHIP Phone: 1-855-242-8282 WASHINGTON Medicaid Website: https://www.hca.wa.gov/ Phone: 1-800-562-3022 WEST VIRGINIA Medicaid Website: http://mywvhipp.com/ Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447) 20 K-C Benefits WISCONSIN Medicaid and CHIP Website: https://www.dhs.wisconsin.gov/badgercareplus/p-10095.htm Phone: 1-800-362-3002 WYOMING Medicaid Website: https://health.wyo.gov/healthcarefin/medicaid/ programs-and-eligibility/ Phone: 1-800-251-1269 To see if any other states have added a premium assistance program since July 31, 2020, or for more information on special enrollment rights, contact either: U.S. Department of Labor Employee Benefits Security Administration dol.gov/agencies/ebsa 1-866-444-EBSA (3272) U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565 Paperwork Reduction Act Statement According to the Paperwork Reduction Act of 1995 (Pub. L. 104-13) (PRA), no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA, and displays a currently valid OMB control number, and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number. See 44 U.S.C. 3507. Also, notwithstanding any other provisions of law, no person shall be subject to penalty for failing to comply with a collection of information if the collection of information does not display a currently valid OMB control number. See 44 U.S.C. 3512. The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent. Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor, Employee Benefits Security Administration, Office of Policy and Research, Attention: PRA Clearance Officer, 200 Constitution Avenue, N.W., Room N-5718, Washington, DC 20210 or email email@example.com and reference the OMB Control Number 1210-0137. Women's Health and Cancer Rights Act All options offered through a Kimberly-Clark medical plan provide coverage for breast reconstruction following a medically necessary mastectomy. Reconstruction includes the affected breast and the non-affected breast to produce a symmetrical appearance, prostheses, and physical complications related to the mastectomy, including lymphedema, in a manner determined in consultation with the attending physician and the patient. This change was effective January 1, 1999, and is required to be communicated every year. New Hire Guide 2021 21 Kimberly-Clark Corporation 401(k) and Profit Sharing Plan Automatic Enrollment Notice, Default Investment Notice, and Safe Harbor Notice Welcome to the Kimberly-Clark Corporation 401(k) and Profit Sharing Plan (the Plan). This notice is a legally required notice for your information only. You are being provided with this notice because the Plan contains "safe harbor" provisions. The legal rules for safe harbor 401(k) plans require that Kimberly-Clark Corporation ("K-C" or "the Company") make certain contributions to the Plan and also require that you be provided with certain information about how the Plan works. This notice describes options available to you if you're impacted by automatic enrollment (see the Automatic Enrollment section below). It also describes other safe harbor features and options of the Plan. The terms of the Plan document are the governing document. In the event of inconsistency with this document, the terms of the Plan will control. Automatic enrollment how does it work? To make it easy for you to begin saving for retirement, the Plan has a special feature that automatically enrolls you and allows you to make contributions through convenient payroll deductions. Starting with the first pay period after your automatic enrollment date, 8% of your eligible pay will be deducted on a pre-tax basis and invested entirely in Fidelity's Personalized Planning & Advice. Your contribution rate will automatically increase by 1% of your eligible pay each year in June, until it reaches a target rate of 15%. Personalized Planning & Advice is a managed account service that offers professional investment management of your plan account, for a fee, through Fidelity Personal and Workplace Advisors LLC and Strategic Advisors LLC. Both are registered investment advisers, and Fidelity Investments companies and are referred to as "Fidelity" within. With Personalized Planning & Advice , a team of investment professionals invest, monitor, and rebalance your account as needed to adjust to changes in the market, or changes to your personal situation. If you're ineligible for Personalized Planning & Advice because you do not have a U.S. or Puerto Rico address or you are under age 18, you will be defaulted to the Target Date Fund closest to the date you'll turn age 65 , as described in the Plan's Summary Plan Description. Note: You can unenroll from Personalized Planning & Advice at any time by calling Fidelity at 800-551-2333 and choosing the 401(k) & Pension option. If you'd like to contribute a pre-tax contribution of 8% with an automatic contribution escalation each year and invest in Personalized Planning & Advice, you don't need to do anything your enrollment will take place automatically. What is the automatic enrollment date? This will be provided in the enrollment kit you receive in the mail after your start date with K-C. This is generally thirty days after your start date. What if you've already enrolled in the Plan? You may enroll early at a different rate or decline contributions. If you've enrolled in the Plan and made your elections, you can disregard that section. There will be no changes to your Plan contribution or your elections if you've already taken action on your account. Please read on for details about beneficiaries, limits, and where to find more information on the Plan. What about K-C Safe Harbor Matching Contribution? In addition to your contributions, the Company will provide a safe harbor matching contribution equal to 100% of the amount of your pre-tax, after-tax, and/or Roth 401(k) contribution that does not exceed 4% of your eligible earnings. IRS limits apply. 22 K-C Benefits For example, assume you earn $60,000 in eligible earnings K-C will determine if a profit-sharing contribution will be during the Plan Year. If you contribute $6,000 (or 10%) of your provided based on the Company's performance. The target eligible earnings to the Plan, the Company will provide you for the annual profit-sharing contribution is 4% with a range with a matching contribution equal to $2,400 (100% of the between 0% and 8%. first 4% of $60,000). Eligible Earnings The Company matching contribution will be invested Eligible earnings ("pay") considered for the safe harbor according to your investment elections on file. matching and profit sharing contribution include your wages, If no election exists, the matching contribution will be overtime, shift differential, and certain bonuses (AIP, MAAP, invested in the default investment described below. free day, Merit Lump Sum, Mill Incentive, Sales Incentive, Eligibility for the Safe Harbor Matching Contribution To receive matching contributions, you must make pre-tax, after-tax, or Roth 401(k) contributions to the Plan. For every dollar of eligible earnings you defer up to 4%, you'll receive a dollar of matching contributions. Matching contributions are generally contributed to the Plan and allocated to your account Vacancy Pay, Lump Sum in lieu of Wage Increase or Fire Brigade) paid while you're an eligible employee in the Plan. Profit-sharing contributions will be based on earnings for the year for which the contribution is being made, so that a profitsharing contribution made in 2021 for the 2020 plan year will be based on 2020 earnings. Automatic Investment Alternative Summary at the same time that your contributions are made to the Plan. The Plan lets you invest your account balances in a number of In some cases you may have contributed the amount necessary different investment funds. If you are automatically enrolled to receive the maximum matching contribution, but your in the Plan, unless you choose another investment option, contributions stopped during the year because you reached your contributions and company matching contributions an annual contribution limit before you received the full will initially be invested in Personalized Planning & Advice. amount of matching contributions for which you are eligible. Personalized Planning & Advice is a managed account service If this happens, you'll receive a special "true-up" matching that offers professional investment management of your contribution in the first quarter of the following year. plan account, for a fee, through Fidelity. With Personalized Profit-Sharing Contributions The Plan's governing document provides that K-C may, at some time in the future and in its sole discretion, make profit-sharing contributions to the Plan. If you are actively Planning & Advice, a team of investment professionals invest, monitor, and rebalance your account as needed to adjust to changes in the market, or changes to your personal situation. This is the Plan's "default" investment. employed on December 31 by K-C or its subsidiaries, you You may opt out of Personalized Planning & Advice and/ would receive a profit-sharing contribution for all months or change from the default investment election at any time. during the previous year in which you were paid eligible Personalized Planning & Advice is intended to serve as the earnings by a participating unit and were eligible for the Plan. Plan's "qualified default investment alternative" ("QDIA") If you are a participant and terminate employment during under Section 404(c)(5) of ERISA, pursuant to guidance from the year, on or after age 55, or your employment ends due the Department of Labor. to death, you'll receive a profit-sharing contribution for all months in which you were paid eligible earnings and were eligible for the Plan. Eligible earnings are taken into account in calculating your profit-sharing contribution only in the months in which you were eligible to participate in the Plan. New Hire Guide 2021 23 Please note the following information regarding the Plan's Stockholder Services by email at firstname.lastname@example.org, default investment. by telephone at 972-281-1522, or by mail at P.O. Box 612606, · If you're automatically enrolled in the Plan, and you do not elect to direct your account investments, Fidelity will begin managing your account. A fee will be charged for Dallas, Texas 75261-2606. Want to save at a different rate or invest in different funds? this program. Personalized Planning & Advice will also You may choose to make changes based on your unique savings satisfy the requirements of a "qualified default investment alternative" ("QDIA") Under Section 404(c)(5) of ERISA, pursuant to guidance from the Department of Labor. You'll receive more detailed information about Personalized Planning & Advice and will have the ability to opt out of this program in order to direct your own investments before this change takes effect. Amounts may also be invested on your behalf in the default investment alternative in the following situations: automatic enrollment, company contributions, and a rollover into the Plan from another employer's tax qualified retirement plan. needs and the amount of risk you want to assume. Once you complete your election on netbenefits.com or the K-C Benefits Information Line, the change will take place as soon as administratively possible. These contributions will be allocated to your account based on your elected investment options. You may choose to contribute at a different pre-tax, aftertax, or Roth 401(k) contribution election, up to a combined maximum contribution of 50% of eligible earnings (not to exceed any Plan or Internal Revenue Service (IRS) contribution limit). If you were defaulted into one of the Plan's qualified default investments, you may also elect If you're ineligible for Personalized Planning & Advice because you do not have a U.S. or Puerto Rico address or you are under age 18, you will be defaulted to the Target Date Fund closest to the date you'll turn age 65 (refer to the chart in the Summary Plan Description). How do you get more information on the Plan and your investment options? You can view the investment fund information which will be included in your enrollment kit. This will give you specific information on the Core Funds and the Premixed Portfolios. In addition to these investment funds, you also have available to you a Self-Directed Brokerage Account (SDBA). For more information on the Plan and your investment options, see the contact information at the end of this notice. How can you review a copy of K-C's most recent annual report and proxy statement? K-C's annual report and proxy statement contain important information that you should carefully consider prior to making an investment in Kimberly-Clark stock. You can review a copy of these documents by logging on to netbenefits.com, clicking on Quick Links link and selecting to direct your contributions into one or more of the Plan's investment options. You may change your investment options daily (subject to appropriate, applicable restrictions on specific investment options). If you are enrolled in Personalized Planning & Advice, you cannot change your investment choices, as this is one of the services they provide. Not ready to enroll in the Plan? If you don't wish to enroll at this time, you may decline enrollment and miss the benefit of receiving company matching contributions. Log in to netbenefits.com or call the K-C Benefits Information Line before the deadline provided in your enrollment kit. If you don't decline enrollment by this date, you'll be automatically enrolled in the Plan. Please note that any contributions made to the Plan cannot be refunded to employees who decline at a later date. Note that if you don't contribute to the Plan, you'll be missing out on matching contributions and an important opportunity to save for retirement. Also note that any automatic contributions made to the K-C Plan cannot be refunded to employees who stop making contributions in the Plan at a later date. Plan Information and Documents. You can also obtain a paper copy of these documents free of charge by contacting 24 K-C Benefits How can you designate or change your beneficiary? You can log in to netbenefits.com choose Profile and select Beneficiaries or call the K-C Benefits Information Line to designate a beneficiary who will receive your Plan account balance in the event of your death. If you don't choose a beneficiary, the benefit will be paid based on the provisions of the Plan. You can change your beneficiary at any time, subject to legal requirements. What about annual contribution limits? If you contributed to another employer's qualified plan on a pre-tax basis or Roth 401(k) basis this calendar year, please make sure that the pre-tax and Roth 401(k) contributions that you have contributed across all plans do not exceed the annual contribution limit established by the Internal Revenue Service. Vesting You're immediately 100% vested in your contributions and the company contributions made to the Plan. Withdrawal Restrictions There are limits on when you may withdraw your funds. These limits may be important to you in deciding how much, if any, to contribute to the Plan. Generally, you cannot withdraw pre-tax and/or Roth 401(k) contributions, company match safe harbor contributions or profit sharing contributions until you separate employment with the Company, you reach age 59½, or you become disabled. Also, there's generally an extra 10% tax on distributions before age 59½. You may withdraw after-tax contributions, and after-tax rollover contributions, provided such amounts (excluding earnings and losses) have been in the Plan for at least 24 months. Your beneficiary will receive any amount remaining in your account when you die. Additionally, you may be able to borrow certain amounts from your account. In certain cases, the Plan allows you to take a hardship withdrawal if you qualify for a "hardship" as defined by the Plan. However, in the event of a financial hardship, you cannot withdraw the company match safe harbor contributions or profit sharing contributions, including the earnings on both, that the Company made to your account. At or after age 59½, you can withdraw your pre-tax, Roth 401(k), and safe harbor company matching contributions. Additionally, you can withdraw your Roth contributions with tax-free earnings with at least five years of Roth participation, at or after age 59½, or upon disability. Note that your beneficiary may withdraw all contributions and earnings upon your death. Withdrawals that are not hardship withdrawals are limited to two per calendar year. You are not allowed to take an inservice withdrawal of profit sharing contributions. You can find more information about what qualifies as a hardship using the contact information described below. For More Information Web: NetBenefits at http://netbenefits.com Phone: Toll free at 800-551-2333 between 8:30 a.m. and 8:30 p.m., ET, Monday-Friday. This document is a brief summary of each Plan's and Program's provisions. Nothing in this document changes any of the Plans' or Programs' provisions or affects any rights under the Plans. Each Plan's and Program's document is the only governing document. Kimberly-Clark reserves the right to amend a part or all of the Plans and Programs or even discontinue the Plans and Programs. New Hire Guide 2021 25 January 2021Adobe PDF Library 15.0