2016 Benefit Highlights

Allied Health Staff

benefits

TO BUI LD ON

Table of Contents

Working at Mayo Clinic is making

a difference. Its providing the highest

Who is Eligible to Enroll?

Medical Plan Options

quality patient care by placing the

Medical Plan Premiums

needs of the patient first. At Mayo

Medical Plan Prescription Drugs

Clinic, youll discover a culture of

Dental Plans

teamwork, professionalism and mutual

Dental Plan Premiums

Flexible Spending Accounts (FSA)

Financial and Retirement

Time Away From Work

Life Insurance

10

Other Benefits

11

respect and most importantly,

a life-changing career.
We are excited to share with you in the
following pages a highlight of the wide
variety of benefits offered to Mayo
Clinic employees. This is the first of
many tools and resources that we offer
to help you manage your health and
finances so that you can focus on
the needs of the patient.

Note: Some of the detailed information in this document does not pertain to unions as stated: The retirement savings plans (including 403(b)/401(k)
and pension) do not apply to Albert Lea SEIU (general and maintenance), Austin USW-Service, Franklin Heating Station, Mankato MNA, Red
Wing SEIU. The Mayo Pension Plan and employer match in the Mayo 403(b) Plan do not apply to the Rochester SEIU unions. The Paid Time Off
benefits do not apply to Albert Lea SEIU (general and maintenance), Mankato MNA, Red Wing SEIU, Red Wing MNA, Gold Cross Mankato, Gold
Cross Duluth. The Short-Term Disability benefits do not apply to Albert Lea SEIU (general and maintenance), Mankato MNA, Red Wing SEIU, and
Red Wing MNA. The Long-Term Disability benefits do not apply to Mankato MNA. The Identity Management Services, Professional Development
Assistance Plan, and Mayo Clinic Dependent Scholarship do not apply to Albert Lea SEIU (general and maintenance), Albert Lea MNA, Mankato
MNA, Red Wing MNA, Red Wing SEIU.

Who is Eligible to Enroll?

Make sure you and your loved ones are covered.
Your benefits commence on your first day of employment with Mayo Clinic. As life is full of change, Mayo Clinic also
has an annual Open Enrollment for medical, dental and other benefits that gives you a chance to review and update
your benefit elections to keep in step with your needs. You also have options to change your benefits when an
eligible life event occurs.
You are a benefits-eligible employee if your Full Time Equivalent (FTE) is 0.5 or greater. That means that you are on
file with Human Resources as having a work schedule that is 40 hours per pay period or more.

For family coverage, eligible family

members include:
A spouse
 iological or legally adopted children, and stepchildren
B
who are under age 26
 n eligible child over the age of 26 who is physically or
A
mentally incapable of self-support may continue coverage
according to plan guidelines. Contact the Employee
Service Center (ESC)*.

Health Savings Account

IRS guidelines outline eligibility requirements for
participating in a Health Savings Account (HSA).
To participate in an HSA, you must be enrolled
in the Mayo Basic Plan option.
You are not eligible to participate in the Mayo
Basic Plan if you or your spouse are:
 overed under a health plan that is not a
C
High-Deductible Health Plan (HDHP).
 laimed as a dependent on another persons
C
federal tax return.
 resident of Alabama, California or
A
New Jersey.
 articipating in a Health Care Flexible
P
Spending Account.
 articipating in the Mayo Reimbursement
P
Account (MRA) for dental and vision
expenses.
 t least age 65 (or will turn 65 anytime during
A
the plan year), or are otherwise Medicareeligible.

2016 Benefit Highlights - Mayo Clinic - Allied Health | 1

Medical Plans
At Mayo Clinic, the needs of the patient come first and that includes you and your family. Thats why all
Mayo Medical Plan options cover the same services. No need to compare your medical plan options based on
services. Instead, look at the cost-sharing amounts the premiums, deductibles, copayments, and out-of-pocket
maximums to determine what meets your preferences or needs.

Mayo Premier

Mayo Select

Mayo Basic

Cost-sharing
Amounts

Tier 1
In-Network

Tier 2
Expanded
In-Network

Tier 3
Out-ofNetwork

Tier 1
In-Network

Tier 2
Expanded
In-Network

Tier 3
Out-ofNetwork

Tier 1
In-Network

Tier 2
Expanded
In-Network

Tier 3
Out-of-Network

Annual
Deductible

$300
per
person;

$450
per
person;

$900
per
person;

$800
per
person;

$1,200
per
person;

$1,600
per
person;

$600
per
family

$900
per
family

$1,800
per
family

$1,600
per
family

$2,400
per
family

$3,200
per
family

Employee:
$1,700
E+Child(ren):
$3,400
E+Spouse:
$3,400
Family: $3,400

Employee:
$1,900
E+Child(ren):
$3,800
E+Spouse:
$3,800
Family: $3,800

Employee:
$2,100
E+Child(ren):
$4,200
E+Spouse:
$4,200
Family: $4,200

$2,000
per
person;

$3,000
per
person;

$4,000
per
person;

$3,500
per
person;

$4,500
per
person;

$5,500
per
person;

$4,000
per
family

$5,000
per
family

$6,000
per
family

$7,000
per
family

$8,000
per
family

$9,000
per
family

$5,000
per
person;
$10,000
per
family

$6,000
per
person;
$11,000
per
family

$7,000
per
person;
$12,000
per
family

Annual Outof-Pocket
Maximum

Mayo Premier
Tier 1
In-Network

Tier 2
Expanded
In-Network

a. Primary care, express care,

urgent care

a. $0

a. $0

b. Specialty care

b. 20%

Preventive Care Services

Diagnostic Tests and Labs

Mayo Select
Tier 3
Out-ofNetwork

Tier 1
In-Network

Tier 2
Expanded
In-Network

a. 40%

a. $0

a. $0

b. 20%

b. 40%

b. 20%

$0

$0

NC

20%

20%

a. Prenatal and postnatal visits

a. $0

b. D
 elivery, inpatient services

b. 20%

a. Emergency transportation
to nearest qualified facility
(includes air ambulance when
authorized)

Mayo Basic
Tier 3
Out-ofNetwork

Tier 1
In-Network

Tier 2
Expanded
In-Network

Tier 3
Out-ofNetwork

a. 40%

a. 20%

a. 20%

a. 40%

b. 20%

b. 40%

b. 20%

b. 20%

b. 40%

$0

$0

NC

$0

$0

NC

40%

20%

20%

40%

20%

20%

40%

a. $0

a. 40%

a. $0

a. $0

a. 40%

a. 20%

a. 20%

a. 40%

b. 20%

b. 40%

b. 20%

b. 20%

b. 40%

b. 20%

b. 20%

b. 40%

a. $0

a. $0

a. $0

a. $0

a. $0

a. $0

a. $0

a. $0

a. $0

b. E
 mergency room facility
copayment

b. $75

b. $75

b. $75

b. $75

b. $75

b. $75

b. 20%

b. 20%

b. 20%

c. P
 rofessional services,
diagnostic tests, and labs

c. 20%

c. 20%

c. 40%

c. 20%

c. 20%

c. 40%

c. 20%

c. 20%

c. 20%

Physician Visits

Maternity Care Services

Emergency Services

NC = Not covered
2016 Benefit Highlights - Mayo Clinic - Allied Health | 2

Mayo Premier

Mayo Select

Tier 1
In-Network

Tier 2
Expanded
In-Network

20%

20%

20%

a. P
 hysical therapy (PT),
Occupational therapy,
Speech therapy

a. 20%

b. C
 hiropractic care

b. 20%

b. 20%

b. 40%

b. 20%

b. 20%

b. 40%

b. 20%

b. 20%

b. 40%

c. 20%

c. NC

c. NC

c. 20%

c. NC

c. NC

c. 20%

c. NC

c. NC

a. 20%

a. 20%

a. 40%

a. 20%

a. 20%

a. 40%

a. 20%

a. 20%

a. 40%

b. Home infusion therapy

b. 20%

b. 20%

b. 40%

b. 20%

b. 20%

b. 40%

b. 20%

b. 20%

b. 40%

c. Hospice care

c. 20%

c. 20%

c. 40%

c. 20%

c. 20%

c. 40%

c. 20%

c. 20%

c. 40%

d. S
 killed nursing care facility

d. 20%

d. 20%

d. 40%

d. 20%

d. 20%

d. 40%

d. 20%

d. 20%

d. 40%

50% for
eligible
services

50% for
eligible
services

NC

50% for
eligible
services

50% for
eligible
services

NC

50% for
eligible
services

50% for
eligible
services

NC

a. Specialty care visit

a. $0

a. $0

a. 40%

a. $0

a. $0

a. 40%

a. 20%

a. 20%

a. 40%

b. Inpatient/outpatient

b. 20%

b. 20%

b. 40%

b. 20%

b. 20%

b. 40%

b. 20%

b. 20%

b. 40%

c. Non-Residential Structured
Treatment Program

c. 20%

c. 20%

c. 40%

c. 20%

c. 20%

c. 40%

c. 20%

c. 20%

c. 40%

d. R
 esidential Structured
Treatment Program

d. 20%

d. 20%

d. 40%

d. 20%

d. 20%

d. 40%

d. 20%

d. 20%

d. 40%

a. Chemotherapy/radiation
therapy

a. 20%

a. 20%

a. 40%

a. 20%

a. 20%

a. 40%

a. 20%

a. 20%

a. 40%

b. Disposable supplies

b. 20%

b. 20%

b. 40%

b. 20%

b. 20%

b. 40%

b. 20%

b. 20%

b. 40%

c. D
 urable, non-durable medical
equipment

c. 20%

c. 20%

c. 40%

c. 20%

c. 20%

c. 40%

c. 20%

c. 20%

c. 40%

d. O
 rthotics and prosthetics

d. 20%

d. 20%

d. 40%

d. 20%

d. 20%

d. 40%

d. 20%

d. 20%

d. 40%

e. Tobacco cessation

e. $0

e. $0

e. NC

e. $0

e. $0

e. NC

e. $0

e. $0

e. NC

f. Tobacco Treatment Program

f. $0

f. $0

f. NC

f. $0

f. $0

f. NC

f. $0

f. $0

f. NC

Inpatient Hospital Services

Tier 3
Out-ofNetwork

Tier 1
In-Network

Tier 2
Expanded
In-Network

40%

20%

20%

20%

40%

20%

a. 20%

a. 40%;

a. 20%

Mayo Basic
Tier 3
Out-ofNetwork

Tier 1
In-Network

Tier 2
Expanded
In-Network

Tier 3
Out-ofNetwork

40%

20%

20%

40%

20%

40%

20%

20%

40%

a. 20%

a. 40%;

a. 20%

a. 20%

a. 40%;

Prior authorization required by the

plan for Tier 3 services.

Outpatient Hospital &

Ambulatory Services
Rehabilitative Therapy,
Chiropractic Care and
Acupuncture Services

Limit of 20 spinal manipulations per year

c. Acupuncture
Limit of 20 visits per year

20-visit limit
for PT

20-visit limit
for PT

20-visit limit
for PT

Continued Care
Note: Custodial care not covered.

a. Home health care

(90-day limit per year)

(30-day limit per year)

Infertility Services
Office visits and outpatient or
hospital procedures
Up to $15,000 lifetime maximum

Mental Health and Chemical

Dependency Services

Special Services

NC = Not covered
2016 Benefit Highlights - Mayo Clinic - Allied Health | 3

What youll pay for Medical Plan Premiums in 2016

Mayo reviews the costs of Mayo Medical Plan options annually, adjusting premiums and/or cost-sharing amounts when
necessary. Medical premiums are outlined in the table below with both pre-tax monthly and per-pay-period amounts. If you
choose benefit coverage, the appropriate pre-tax premium rate will be deducted from your paycheck.

Mayo Premier
Monthly

Mayo Select

Per Pay Period

Mayo Basic

Monthly

Per Pay Period

Monthly

Per Pay Period

Full-Time Employee Premiums (0.75 -1.0 FTE)

Employee

$86

$43

$48

$24

$12

$6

Employee + Child(ren)

$171

$85.50

$95

$47.50

$23

$11.50

Employee + Spouse

$154

$77

$86

$43

$21

$10.50

Family

$257

$128.50

$143

$71.50

$35

$17.50

Part-Time Employee Premiums (0.50 -0.74 FTE)

Employee

$129

$64.50

$72

$36

$18

$9

Employee + Child(ren)

$257

$128.50

$143

$71.50

$35

$17.50

Employee + Spouse

$231

$115.50

$129

$64.50

$32

$16

Family

$386

$193

$215

$107.50

$53

$26.50

Spousal Surcharge: A $50 pre-tax monthly surcharge will be added to the medical plan for employees covering a spouse who is offered medical
coverage through his/her employer, does not elect that coverage, and is instead covered under the Mayo Medical Plan.
Note: The premium is taken out of the first two pay periods per month, so the amount shown per pay period is taken out of your paycheck
24 times per year.

2016 Benefit Highlights - Mayo Clinic - Allied Health | 4

Mayo Medical Plan Comparisons of Prescription Drug Coverage

Mayo Select/Mayo Premier*
Prescription Drug
Coverage

Mayo Mail
Service
(up to 100-day
supply)

Mayo
Outpatient
Pharmacy
(up to 100-day
supply except
where indicated)

$10
maximum

OptumRx
Pharmacy

Mayo Mail
Service

(up to 34-day
supply)

(up to 100-day
supply)

$10
maximum

5%

10%

25%

25%

30%

40%

40%

40%

50%

50%

50%

60%

Formulary generic and

preferred drug (Tier I)

$10
maximum

Formulary Brand or
injectable drug (Tier II)

25%

30%

40%

($10 minimum)

($10 minimum)

($15 minimum)

Formulary non-preferred
drug (Tier III)

40%

40%

50%

($10 minimum)

($10 minimum)

($15 minimum)

Non-formulary drug
(Tier IV)**

50%

50%

60%

($10 minimum)

($10 minimum)

($15 minimum)

Deductible
Annual out-of-pocket
maximum

up to 34-day supply

None

Mayo Basic*
Mayo
Outpatient
Pharmacy
(up to 100-day
supply)

OptumRx
Pharmacy
(up to 34-day
supply)

Combined with medical deductible

Combined with medical out-of-pocket maximum

* Specialty prescriptions are covered under the Mayo Medical Plan when purchased at the Mayo Specialty Pharmacy as well as any participating
Mayo Clinic or Mayo Clinic Health System outpatient pharmacy.
** Non-formulary (Tier IV) prescriptions do not apply to the Mayo Premier or Mayo Select plans out-of-pocket maximums.

2016 Benefit Highlights - Mayo Clinic - Allied Health | 5

Dental Plans
Healthy teeth are a part of wellness. Mayo Clinic provides two dental options for all benefits-eligible employees to choose from.

Delta Dental

Mayo Reimbursement Account (MRA)

Delta Dental is an option that is a cost-sharing plan

with a participating provider network. This plan
provides flexibility, network savings and preventive
services.

The MRA is an annual $1,150 employer contribution

(prorated based on start date) that can be used toward
dental and vision expenses. You have the choice of any
provider.

Delta Dental
Deductible

Mayo Reimbursement
Account*

$50 per person / $150 per family

N/A

$1,000 per person per calendar year

$1,150 per calendar year

$0

$0**

Basic Services

20%

$0**

Major Restorative Services

(crowns/inlays)

50%

$0**

$1,500 per individual

per lifetime

$1,500 per individual

per lifetime

N/A

$0**

Annual Maximum (paid by plan)

Preventive (exams/cleaning)

Lifetime Orthodontic Maximum

(paid by plan)
Vision Expenses

*Not available if enrolled in Mayo Basic medical plan.

**Results in $0 employee responsibility when services are reimbursed with MRA dollars.

Month of
Enrollment

MRA Proration
Amount

Month of
Enrollment

MRA Proration
Amount

Month of
Enrollment

MRA Proration
Amount

January

$1,150

May

$766.66

September

$383.33

February

$1,054.17

June

$670.83

October

$287.50

March

$958.33

July

$574.99

November

$191.67

April

$862.50

August

$479.16

December

$95.83

2016 Benefit Highlights - Mayo Clinic - Allied Health | 6

Dental Plan Premiums for 2016

Dental premiums are outlined in the table below with both pre-tax monthly and per-pay-period amounts. If you choose benefit
coverage, the appropriate pre-tax premium rate will be automatically deducted from your paycheck.

Delta Dental
Monthly

Mayo Reimbursement Account (MRA)

Per Pay Period

Monthly

Per Pay Period

$9.10

$4.55

$4

$2

Employee + Child(ren)

$18.20

$9.10

$4

$2

Employee + Spouse

$31.50

$15.75

$4

$2

$36

$18

$4

$2

Full-Time Employee Premiums (0.75 -1.0 FTE)

Employee

Family

Part-Time Employee Premiums (0.50 -0.74 FTE)

Employee

$9.10

$4.55

$4

$2

Employee + Child(ren)

$27.30

$13.65

$4

$2

Employee + Spouse

$41.20

$20.60

$4

$2

Family

$49.50

$24.75

$4

$2

Note: The premium is taken out of the first two pay periods per month, so the amount shown per pay period is taken out of your
paycheck 24 times per year.

2016 Benefit Highlights - Mayo Clinic - Allied Health | 7

Flexible Spending Accounts (FSA)

Flexible Spending Accounts (FSA) are a benefit that can help you stretch your dollars. With an FSA, you can set
aside pre-tax dollars through payroll to help pay for eligible expenses incurred by you or your family. It is called a
voluntary benefit because you choose to establish and fund it yourself.

Health Care FSA*

Dependent Care FSA

The Health Care FSA permits a reserve of pre-tax income (up

to $2,550 maximum annual contribution per employee) to pay
for eligible medical and/or dental expenses incurred but not
covered by other plans. Staff with a Health Care FSA will be
allowed to roll-over $500 per year.

The Dependent Care FSA permits a reserve of pre-tax income

(up to $5,000 maximum annual contribution per household)
to pay for eligible child or other dependent care expenses.

*Health Care FSA benefit is not available to participants in Mayo Basic.

Financial and Retirement

Mayo Clinic administers a competitive, predictable and market-leading salary program with regular increases, given satisfactory
employee and organizational performance. Mayo Clinic also provides a comprehensive and competitive retirement package that
will assist you in achieving your personal financial security for your retirement.

Pension Plan
Mayo Clinic is one of the few U.S. companies who continue to provide a pension benefit at no cost to their staff. The Mayo Clinic
Pension is a defined benefit plan where contributions are made by your employer. Your final benefit payout can be predicted
because it is determined by a formula rather than by investment results.

403(b) and 401(k) Retirement plans

The optional 403(b) or 401(k) plans allow employees to contribute pre-tax or post-tax Roth dollars to an investment plan
administered by Fidelity Investments. There are many investment options to choose from, including a self-directed brokerage
account. You may generally defer up to 50% of annual salary or the annual IRS limit, whichever is less. The IRS limit for 2016 is
$18,000 or $24,000 if you are 50 years of age or older. New employees are automatically enrolled at a 4% contribution rate of
salary. Mayo Clinic will match 403(b)/401(k) contributions based on length of pension benefit service, shown in the chart below.

Length of pension
benefit service

Mayo Clinic match (%)

Example match based on

pension benefit service

0-19

50% on the first 4% of employee contribution

$1.00 employee contribution

$0.50 Mayo match

20-29

75% on the first 4% of employee contribution

$1.00 employee contribution

$0.75 Mayo match

30

100% on the first 4% of employee contribution

$1.00 employee contribution

$1.00 Mayo match

Financial Engines
As an added benefit, asset management services are available through Financial Engines, LLC. The first $5,000 is managed at
no charge; otherwise a fee of $3.00 per $1,000 invested is charged up to $100,000. You may opt out of this service at any time.

2016 Benefit Highlights - Mayo Clinic - Allied Health | 8

Time Away From Work

Achieving balance means something different for everyone, whether its going on vacation, meeting people with
similar hobbies, or spending time with family and friends. At Mayo Clinic, we understand that time off is critical to
maintaining a work/life balance, and as a result, offer a Paid Time Off (PTO) policy that is very generous.

Paid Time Off

This self-managed program combines traditional holidays, vacation and sick time into one account.
 ccrued bi-weekly at a rate based on length of service, employment status (exempt or non-exempt) and the percent of
A
a full-time work schedule
May accrue up to 1.5 times annual PTO accrual level
Employees may sell back PTO according to the guidelines of the program
Employees are permitted reasonable time off with pay for funerals and jury duty as noted in the employee policy manual
Non-Exempt (hourly)

Exempt (salary)

Patient Care RN*

Years of Service

PTO Days
(Annual)

PTO Hours
(Per Pay Period)

Years of Service

PTO Days
(Annual)

PTO Hours
(Per Pay Period)

Years of Service

PTO Days
(Annual)

PTO Hours
(Per Pay Period)

23

7.08

28

8.62

23

7.08

28

8.62

33

10.15

28

8.62

10

33

10.15

10

35

10.77

33

10.15

15

35

10.77

15

38

11.69

15

35

10.77

20+

38

11.69

20+

38

11.69

Short-Term and Long-Term Disability

If you are ill or injured, Mayo Clinic provides a short-term and a long-term disability benefit. The disability plans can be used for
an employees serious health condition. The amount of paid Short-Term Disability is based on length of service, employment
status (exempt or non-exempt) and the percent of a full-time work schedule. Employees are eligible for Short-Term Disability after
a 40 hour wait period. When the period of disability exceeds 13 weeks, you may be eligible to file a claim under the Long-Term
Disability Plan. Long-Term Disability protects 65 percent of salary after 520 hours of related illness and/or injury.
Short-Term Disability Benefit (1.0 FTE)
Category

Completed Years of Service

Benefit Amount

Nonexempt

0-5

120 hours at full pay plus 400 hours at half pay

Nonexempt

5+

520 hours at full pay

Exempt

0+

520 hours at full pay

Patient Care RNs*

0+

520 hours at full pay

*All non-supervisory RN staff (excluding Arizona, Florida and Waycross) with positions that require all of the following: RN education, active RN license,
and competency to provide direct patient care that impacts patient clinical outcomes. This excludes Directors, Supervisors, Managers, Advanced
Practice RNs, Staff Educators, and those who do not have direct patient care.

2016 Benefit Highlights - Mayo Clinic - Allied Health | 9

Life Insurance
Mayo Clinic offers both employer paid and voluntary life insurance to care for yourself and loved ones and provide
financial security should the unexpected occur.

Employer Paid Life Insurance Coverage

Employer paid life insurance pays a benefit equal to three times your annual salary, up to the plans maximum salary limit, to your
designated beneficiaries in the event of your death for any cause. Mayo Clinic pays the full cost of coverage for the Employer
Paid Life Insurance.

Employer Paid Accidental Death & Dismemberment Insurance (AD&D)

Employer Paid AD&D insurance pays a benefit amount equal to your annual salary, up to the plans maximum salary limit, to your
designated beneficiaries in the event of your accidental death or a percentage of the benefit for a qualified dismemberment. Your
employer pays the full cost of coverage for the Employer Paid AD&D.

Employee Paid Optional Insurance

Benefit

Employee Cost

Description of Benefit

Voluntary
Universal Life
Insurance

$0.05 to $8.00 per

$1,000 of coverage
per month (based
on age)

Additional voluntary coverage to supplement your Employer Paid Life Insurance,

you may purchase additional term life insurance from the Voluntary Universal Life
Insurance Plan. The plan offers a benefit of one or two times your annual salary,
payable to your beneficiary in the event of your death from any cause.

Family Life
Insurance

Varies according to
spouses age

When you elect Voluntary Universal Life Insurance, you also may participate in
Family Term Life Insurance. You can elect a benefit of one or two times your annual
salary. You cannot elect a benefit on your spouse that is larger than your benefit.
You can elect a benefit of $10,000 per child. If you have elected spousal coverage,
you will not pay an additional premium for child coverage. If you are married but
have not elected spousal coverage, you will pay a small premium.

Voluntary
Accidental Death
& Dismemberment
(AD&D) Insurance

$0.15 per $10,000

coverage/month

You can purchase additional Voluntary AD&D coverage, in addition to the employer
paid AD&D plan, at a rate of $0.15 per $10,000 of coverage. Coverage is available
in $10,000 or $25,000 increments, up to a maximum of $225,000.

2016 Benefit Highlights - Mayo Clinic - Allied Health | 10

Other Benefits
Wellness
Mayo Clinic offers a variety of programs to help employees improve and maintain their health including
an online portal and telephonic coaching. To be eligible for these programs, you must be enrolled in
the Mayo Medical Plan.

IDT911
IDT911 provides fraud specialists 24 hours a day to help with fraud resolution. Additionally, a copy of
your credit report and single bureau credit monitoring is available at no cost and three bureau credit
monitoring is available for $5.25 per month.

Long-Term Care Insurance

Long Term Care insurance is offered to Mayo Clinic employees through Legacy Services. Premiums
vary according to age and coverage level. Phone consultations are available by appointment with no
obligation or fee.

Excess Personal Liability

Think Insurance provides protection of $3 million or $5 million in umbrella insurance coverage, beyond
requisite personal homeowner/renter and automobile insurance limits. Cost is $22 or $32 per month.

Professional Development Assistance Plan (PDAP)

After one year of service in a benefits-eligible position, employees are eligible to apply for financial
assistance for continuing education and/or certifications. The maximum reimbursement per calendar
year is $5,250 for graduate level courses, $3,000 for undergraduate level courses and $300 for
certifications.

Mayo Clinic Dependent Scholarship

Dependents of eligible Mayo Clinic employees are able to apply for a scholarship that awards $3,000
per year for as many as four years of post-high school education. Scholarships are awarded based on
ACT and SAT test scores.

Adoption Assistance
The Mayo Clinic Adoption Assistance Plan will reimburse eligible adoption-related expenses up to
$10,000 per adoption. For adoption of a step-child, the maximum benefit is limited to $500.

Employee Assistance Plan

When you have an issue that you or your family need some help dealing with, you are eligible for free
and confidential professional support services from the Employee Assistance Program (EAP).

2016 Benefit Highlights - Mayo Clinic - Allied Health | 11

Notes

2016 Benefit Highlights - Mayo Clinic - Allied Health | 12

2016 Benefit Highlights - Mayo Clinic - Allied Health | 13

This is a high-level summary of certain Mayo Clinic benefits. The summary may or may not be applicable to union
employees. It is intended for general information purposes only and should not be considered legal, investment
or other benefits advice. This guide is not a legal Summary Plan Description or plan document. If there is a
conflict with this information and an official plan document, the official plan document is controlling. Mayo Clinic
reserves the right to terminate or amend the Plans at any time, in whole or in part, for any reason. Any such
amendment or termination may apply to current and future participants, current and future retirees, covered
spouses, beneficiaries and dependents. Please refer to the Summary Plan Description for eligibility requirements
for each plan as certain employment categories may or may not be included in coverage.

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