BENEFIT

ENROLLMENT
GUIDE

2023
START HERE
 Open Enrollment for
Table of Contents 2023–2024 Benefits
Introduction.......................................................... 2

Eligibility and Enrollment........................... 3

Open Enrollment is the time each year to
review your benefits and make sure they meet
Medical Benefits................................................ 4 your needs for today and tomorrow.
Prescription Drug Benefits........................ 7
• Check out the Flexible Five Medical Plan — a new,
Teladoc.................................................................... 7 low-cost option that pays 100% of your first five
health care services from a pre-defined list of services.
Critical Illness Insurance............................ 8
• Learn about changes to the Basic Medical Plan, which is
Accident Insurance......................................... 9 now a Health Savings Account-eligible plan.
Hospital Indemnity Insurance................ 9 • Avoid the tobacco-user surcharge — certify your
non-tobacco user status during Open Enrollment, or
Dental Benefits................................................... 10 join a cessation program.
Vision Benefits.................................................... 11 • Discover enhanced Critical Illness, Accident, and
Hospital Indemnity Insurance, now with increased
Total Rewards....................................................... 12
benefits and lower premiums.
Aetna Special Programs.............................. 13 • Access the new Total Rewards Portal on Bswift’s site to
Employee Assistance Program............... 13
get a holistic view of not just your base salary, but your
broader compensation and total rewards opportunity.
Paid Maternity Benefits............................... 13

Health Savings Account.............................. 14

Flexible Spending Accounts..................... 15

Commuter Benefits......................................... 16

Life and AD&D Insurance........................... 17 Action Required!

Disability Insurance........................................ 18 Infosys has made a few changes to the benefit plan
options that impact employee cost and benefits.
401(k) Program..................................................... 19
It is the employee’s responsibility to actively elect
Pet Insurance....................................................... 20 or waive coverage on the benefits administration
system each year. You should review your current
Auto and Home Insurance........................ 20 elections and select the options that are right for
you for the upcoming year. You must enroll in the
Legal Insurance................................................. 21
Flexible Spending Accounts annually to continue
Legal Notices...................................................... 22 participation. Employees are automatically enrolled
in employer-paid benefits.
Important Contacts........................................ 27

• If benefits are not actively elected or declined, the employee

will be enrolled in the default medical plan offered by the
Company, and the employee’s portion of the premium will be
View an on-demand presentation at
deducted from payroll. https://www.brainshark.com/aonrs/Infosys
• If you do not want to make changes to your existing benefit to learn about each of the benefits in more
elections, no action is required. Your current elections will roll detail.
over into the new plan year.

Home 2 Contacts
Eligibility and Enrollment • Available to employee’s eligible children, stepchildren,
court-ordered children, grandchildren, children of a
Who is Eligible? domestic partner or civil union, and legally adopted
children
You are eligible to enroll in the benefit plans described
in this document if you are a regular, full-time employee Please Note: If both an employee and spouse work for Infosys, the employee
with the higher Personal Level (PL) will need to add the family as dependents
working 30 hours or more per week, unless otherwise to the plan. To avoid dual coverage and payouts, the dependent (with a lower
indicated. PL) must specifically log in to the Bswift portal to decline/waive their individual
coverage within the Open Enrollment window/initial enrollment period during
the first 31 days of employment. If not actively declined, the employee will be
Dependents enrolled in the default plan offered by the company and the employee’s portion
of the premium will be deducted from payroll.
You may choose to cover your eligible family members
Making Election Changes
under some plans. Eligible family members include:
•L
 egal spouse, civil union, or registered domestic
During the Year
partner
Your benefit elections remain in effect until the
•D
 ependent children up to the end of the month they
beginning of the next plan year. You will not be able
turn age 26 (unmarried for Life Insurance benefits)
to make any plan changes unless you experience a
Children include:
Qualifying Life Event (QLE).
- Your biological children
- Your stepchildren Qualifying Life Events (QLEs)
- Your legally adopted children When you have a QLE, you have 31 days from the date of
- Children of your registered domestic partner the event (60 days for a birth) to update your benefits
-A  ny children for whom you are responsible under or your dependent benefit elections. A QLE, as defined
court order by IRS regulations, allows you to make a change to your
benefit coverage if you experience any of the following:
- Your foster children
- Your grandchildren in your court-ordered custody • Marriage or divorce
- D
 isabled children may be covered regardless of • Death of a dependent
age. Coverage requires submittal of a disabled • Birth or adoption of a dependent
child form and approval by Aetna.
• Change in employment status
For the purposes of benefit programs offered through • Loss of or significant change to your current coverage
Allstate Benefits, dependents are defined as follows:
• The employee’s spouse’s or dependent’s Medicaid or
Group Hospital Indemnity Insurance SCHIP coverage is terminated as a result of loss of
eligibility and the employee requests coverage under
•L
 egal spouse or registered domestic partner the plan within 60 days after the termination; or the
• C
 hild issue age is newborn (live birth) or date of employee, spouse, or dependent becomes eligible
adoption to the end of the month in which the child for a premium assistance subsidy under Medicaid or
turns age 26 SCHIP and the employee requests coverage under the
plan within 60 days after eligibility is determined
•D
 isabled children over the age of 26
• Employee’s unmarried eligible children, stepchildren,
court-ordered children, grandchildren, children of a Important
domestic partner or civil union, and legally adopted If you have a QLE during the year, you must contact
children the Infosys Benefits Helpdesk at 1-866-758-1903 within
31 days of the event (60 days for a birth).
Group Accident and Group Critical Illness Insurance
If you miss the deadline, you will not be able to make a
• L
 egal spouse or registered domestic partner change until the next Open Enrollment period.
•C
 hild issue age is newborn (live birth) or date of If you are not affected by any of the changes above,
adoption to the end of the month in which the child you will not be able to change your elections until the
turns age 26, regardless of student or marital status next Open Enrollment period.
•D
 isabled children over the age of 26

Home 3 Contacts
Medical Benefits Other Important Information
• The Flexible Five Plan offers in-network benefits only. All
A Choice in Medical Plans other plans offer in- and out-of-network benefits, but you
Infosys offers four medical plan options for you to choose will pay less out-of-pocket if you stay within the network.
from through Aetna. • All deductibles and out-of-pocket amounts accumulate on
a plan year basis (April 1 – March 31). See your SPD for a
NEW! complete list of benefits and applicable limitations.
FLEXIBLE STANDARD PLUS BASIC
FIVE PLAN PLAN • If you enroll in the Standard or Basic Plan on either
PLAN
PLAN network, you'll have the option to set up a Health Savings
Account (HSA).

NEW ! Flexible Five Plan

• Under the Flexible Five, Standard, and Basic Plans, if
coverage is elected for one or more dependents, the
The Flexible Five Plan is a new, low-cost option that pays entire family deductible must be met in full before any
100% of your first five health care services from the one member will receive coinsurance or prescription drug
pre-defined list below before you start paying toward copayments under the plan. If coverage is elected for one
your deductible. or more dependents, the out-of-pocket maximum can be
met with a combination of family members or any single
Category Services (must be in-network) individual within the family. Once met, the plan will pay
• PCP and Teladoc visits 100% of the family’s covered expenses for the rest of the
Medical • Labs and X-rays performed in a PCP office or plan year.
non-hospital facility
• There are also some minor changes to both the Standard
Urgent care • Urgent care, walk-in clinics, and MinuteClinics
and Basic Plans, so please review page 5 for more details.
Behavioral health • Office, virtual, and Teladoc visits
• To find a list of providers, call 1-888-219-9153 or visit
Short-term rehab • Physical, occupational, or speech therapy www.aetnadocfind.com/Infosys.
Each plan member receives up to five no-cost visits. Once
you meet your five-visit limit, all additional visits will apply $50 Tobacco-User Surcharge
to your deductible or coinsurance. Services that do not fall Effective April 1, 2023, employees and spouses who are
under the pre-defined list are also subject to the deductible enrolled in an Infosys medical plan and who use tobacco or
or coinsurance. Preventive care is also covered at no cost vapes will incur a $50 monthly surcharge (per tobacco-user)
and does not count toward the five no-cost services. on their medical premiums. To avoid the surcharge, you must
certify that you are tobacco-free during Open Enrollment.
Standard, Plus, and Basic Plans Falsifying tobacco status is subject to accountability and a
The Standard, Plus, and Basic Plans are offered through two breach of professionalism. While attesting to vaping/tobacco
networks: Aetna Premier Care Network Plus (APCN+) and use, we expect all employees to uphold integrity and honesty.
Aetna POS II. The APCN+ and POS II plans mirror each other. The plan sponsor reserves the right to take appropriate action
The only difference is in the provider network and the cost if we discover disclosure breach.
per paycheck. Your health plan is committed to helping you achieve your
The APCN+ network is available in certain geographic best health. Tobacco users are being offered a reasonable
locations and includes top-notch doctors and facilities alternative in order to avoid the tobacco surcharge being
selected based on a series of quality, efficiency, and access added to your medical plan cost. The tobacco surcharge can
standards. be avoided if a tobacco cessation class is completed at no
cost to you. To find cessation programs in your state, please
In locations where the APCN+ network is not available,
visit NAQC Quitline Map (naquitline.org). For additional
employees will only be offered the POS II plans. The POS II
information or if you need to involve your doctor, you can
plans mirror the APCN+ plans, but offer a broader network,
contact HR Benefits team at US_benefits@infosys.com.
and therefore, cost more per pay period. It is recommended
that if your doctor participates in the APCN+ network, you
consider an APCN+ plan over a POS II plan.
Note: The APCN+ option is now available in Central Valley, CA;
Alexandria and Shreveport, LA; NYC Metro; and Odessa, TX.
It is no longer available in Northern CA; Des Moines, Cedar
Rapids and Dubuque, IA; and Peoria, Rock Island, and Henry, IL.

Home 4 Contacts
Medical Plan Comparison
NEW!
FLEXIBLE FIVE STANDARD PLAN* PLUS PLAN* BASIC PLAN*
PLAN
Out-of- Out-of- Out-of-
PLAN FEATURES In-Network Only In-Network In-Network In-Network
Network Network Network
Aggregate Aggregate Aggregate Embedded Embedded Aggregate Aggregate
Plan Year Deductible $5,000 Indiv. $1,500 Indiv. $3,500 Indiv. $900 Indiv. $3,500 Indiv. $3,000 Indiv. $10,500 Indiv.
$10,000 Fam. $3,000 Fam. $7,000 Fam. $2,700 Fam. $10,500 Fam. $6,000 Fam. $21,000 Fam.
Medical Out-of-
Pocket Maximum - $8,700 Indiv. $2,500 Indiv. $5,500 Indiv. $2,000 Indiv. $4,500 Indiv. $7,350 Indiv. $14,700 Indiv.
Includes deductibles $17,400 Fam. $5,000 Fam. $11,000 Fam. $6,000 Fam. $13,500 Fam. $14,700 Fam. $29,400 Fam.
and/or copays
Rx Out-of-Pocket
Included in the Included in the Included in the
Maximum - Includes $4,850 Indiv.
medical out-of- medical out-of- Not covered Not covered medical out-of- Not covered
deductibles and/or $7,950 Family
pocket max. pocket max. pocket max.
copays
Member Coinsurance 30% after ded. 20% after ded. 50% after ded. 20% after ded. 50% after ded. 30% after ded. 50% after ded.
Preventive Care - 1 Covered at Covered at Covered at Covered at
50% after ded. 50% after ded. 50% after ded.
exam every Plan Year 100% 100% 100% 100%
After ded. is After ded. is
Primary Care Physician 30% after ded. met, then 50% after ded. $25 copay 50% after ded. met, then 50% after ded.
$25 copay $40 copay
After ded. is After ded. is
Specialist 30% after ded. met, then 50% after ded. $55 copay 50% after ded. met, then 50% after ded.
$40 copay $70 copay
30% after ded. After ded. is met, then $25 copay $25 copay (med/behavioral After ded. is met, then $40 copay
Teladoc (med/behavioral (med/behavioral health); health); $55 copay (med/behavioral health);
health/dermatology) $40 copay (dermatology) (dermatology) $70 copay (dermatology)
After ded. is After ded. is
Minute Clinic/
30% after ded. met, then 50% after ded. $15 copay 50% after ded. met, then 50% after ded.
Walk-in Clinic
$15 copay $15 copay
Lab and X-ray Services 30% after ded. 20% after ded. 50% after ded. 20% after ded. 50% after ded. 30% after ded. 50% after ded.
Physical/Occupational/
30% after ded. 20% after ded. 50% after ded. 20% after ded. 50% after ded. 30% after ded. 50% after ded.
Speech Therapy**
After ded. is After ded. is
$55 copay;
Urgent Care 30% after ded. met, then 50% after ded. 50% after ded. met, then 50% after ded.
no ded.
$40 copay $70 copay
Emergency Room:
- Emergency Care 30% after ded. 20% after ded. $150 copay, then 20%, no ded. 30% after ded., no copay
- Non-Emergency Care 50% after ded. 50% after ded. 50% after ded. 50% after ded.
Hospital Services 30% after ded. 20% after ded. 50% after ded. 20% after ded. 50% after ded. 30% after ded. 50% after ded.
PRESCRIPTION DRUGS - PrudentRx applies
Retail (Up to 30-day After ded. is After ded. is After ded. is
supply) met, then: met, then: met, then:
Generic $10 copay $10 copay Not covered $10 copay Not covered $10 copay Not covered
Preferred Brand $40 copay $40 copay $40 copay $40 copay
Non-Preferred Brand $75 copay $75 copay $75 copay $75 copay
Mail Order (31- to After ded. is After ded. is After ded. is
90-day supply) met, then: met, then: met, then:
Generic $25 copay $25 copay Not covered $25 copay Not covered $25 copay Not covered
Preferred Brand $100 copay $100 copay $100 copay $100 copay
Non-Preferred Brand $187.50 copay $187.50 copay $187.50 copay $187.50 copay
*The Standard, Plus, and Basic Plans are available through two networks: Aetna APCN+ and Aetna POS II. These plans mirror each other. The only difference is
in the provider network and the cost per paycheck.
**Subject to medical necessity review after 25 visits; combined in- and out-of-network.

Home 5 Contacts
Medical/Rx Bi-Weekly Contributions
NEW!
FLEXIBLE FIVE STANDARD PLAN PLUS PLAN BASIC PLAN
PLAN
APCN+ POS II APCN+ POS II APCN+ POS II
PL2 - EE Only $10.47 $20.77 $25.55 $57.50 $67.88 $13.48 $14.54
PL2 - EE + Spouse $18.31 $36.35 $44.72 $100.63 $118.79 $23.60 $25.44
PL2 - EE + Child(ren) $15.70 $31.16 $38.33 $86.25 $101.82 $20.23 $21.80
PL2 - EE + Family $24.07 $47.77 $58.77 $132.26 $156.13 $31.01 $33.43
PL3 - EE Only $32.34 $64.18 $78.96 $177.68 $209.75 $40.45 $44.91
PL3 - EE + Spouse $56.59 $112.32 $138.18 $310.94 $367.06 $70.79 $78.60
PL3 - EE + Child(ren) $48.51 $96.27 $118.44 $266.52 $314.63 $60.68 $67.37
PL3 - EE + Family $74.38 $147.62 $181.61 $408.67 $482.43 $93.04 $103.30
PL4 - EE Only $34.45 $68.38 $84.12 $189.30 $223.46 $43.15 $47.85
PL4 - EE + Spouse $60.29 $119.66 $147.21 $331.27 $391.06 $75.51 $83.74
PL4 - EE + Child(ren) $51.68 $102.57 $126.18 $283.95 $335.19 $64.72 $71.78
PL4 - EE + Family $79.24 $157.27 $193.48 $435.38 $513.96 $99.24 $110.06
PL5 - EE Only $34.86 $69.19 $85.12 $191.55 $226.12 $43.66 $48.42
PL5 - EE + Spouse $61.01 $121.08 $148.96 $335.21 $395.70 $76.41 $84.73
PL5 - EE + Child(ren) $52.29 $103.79 $127.68 $287.32 $339.18 $65.49 $72.63
PL5 - EE + Family $80.18 $159.14 $195.78 $440.56 $520.07 $100.42 $111.36
PL6 - EE Only $51.78 $102.78 $126.44 $269.55 $290.84 $64.81 $71.92
PL6 - EE + Spouse $90.62 $179.86 $221.27 $497.92 $587.79 $113.41 $125.86
PL6 - EE + Child(ren) $77.68 $154.17 $189.66 $426.79 $503.82 $97.21 $107.88
PL6 - EE + Family $119.10 $236.39 $290.81 $654.41 $772.52 $149.06 $165.42
PL7 - EE Only $89.28 $177.19 $201.52 $274.61 $296.31 $111.20 $124.00
PL7 - EE + Spouse $156.23 $310.08 $381.47 $604.15 $651.87 $194.60 $216.99
PL7 - EE + Child(ren) $133.91 $265.78 $326.98 $494.30 $533.35 $166.80 $185.99
PL7 - EE + Family $205.34 $407.53 $501.36 $823.83 $888.92 $255.76 $285.19
Title Holders - EE Only $104.22 $186.77 $201.52 $274.61 $296.31 $134.15 $144.75
Title Holders - EE + Spouse $229.28 $410.89 $443.35 $604.15 $651.87 $295.13 $318.44
Title Holders - EE + Child(ren) $187.59 $336.18 $362.74 $494.30 $533.35 $241.47 $260.54
Title Holders - EE + Family $312.65 $560.31 $604.57 $823.83 $888.92 $402.45 $434.24
NOTE: In case of a personal level change in the middle of the plan year, the premium change for the enrolled benefits will take effect on the first of the month
following the personal level change.

Home 6 Contacts
Prescription Drug Benefits
Prescription drug benefits are included with your medical plan and include in-network coverage only. To access the Aetna
Advance Control Formulary list, visit www.aetna.com/individuals-families/find-a-medication.html. Once you access this site,
select "2023" and then "Advanced Control Plan." You can also visit www.aetna.com and choose “Manage Prescriptions” and
then “Estimate Costs” to compare drug prices and see covered alternatives that can save you money. Once you log in to the
Aetna Member website, click on "Pharmacy" and then click the "search medications" box under "Estimate Medication Costs."

PrudentRx Copay Program (All Medical Plans)

PrudentRx allows you to get any of your covered specialty medications that are on your Plan’s Exclusive Specialty Drug List
for $0 out-of-pocket when you fill at CVS Specialty. PrudentRx will work with you and the drug manufacturers to get copay
card assistance and will manage enrollment and renewals for those copay cards on your behalf. Even if there is no copay card
program for your medication, your out-of-pocket cost will be $0 for your covered specialty medications under the PrudentRx
Program. Participation in PrudentRx is voluntary, and you will be contacted by mail and by phone to assist you with enrollment
in the program. However, if the specialty medication you are taking has a copay card program, you must call PrudentRx at
1-800-578-4403, and they will help you enroll in the manufacturer copay assistance program for that medication. If choose to
opt-out of the program, or if you do not affirmatively enroll in any copay assistance program as required by a manufacturer, you
will be responsible for the full out-of-pocket cost. If you are enrolled in the Flexible Five, Standard, or Basic Plan, you must meet
your deductible before the $0 cost applies to you.

Ways to Save Money on Prescription Drugs

Maintenance Choice Program — If you take a maintenance medication (a drug used to treat a long-term condition like
arthritis, asthma, diabetes, or high cholesterol), the Maintenance Choice Program offers you choice and savings. You can
choose to receive up to a 90-day supply of medication either through the CVS Caremark Mail Service Pharmacy (formerly
Aetna Rx Home Delivery mail-order pharmacy) or through a CVS retail or mail order pharmacy. If you would like to continue
filling a 30-day supply, you will need to call Aetna at 1-888-219-9153 to receive a 30-day supply at your regular retail copay.
Maintenance Choice is no longer available in the state of Oklahoma.
 tep Therapy — Some drugs require step therapy, which means you must first try a less expensive drug on the plan’s drug
S
list that has been proven effective for most people with your condition before you can move up a “step” to a more expensive
drug. To find a list of drugs requiring step therapy, visit www.aetna.com/individuals-families/find-a-medication.html.
Rx Exclusion List (Non-Covered Drugs) — The drug exclusion list is composed of a group of medications no longer covered
because other safe, effective, less costly alternatives are available. Your provider can request a prior authorization of these
products for medical necessity.
Prior Authorization (Precertification) — Prior Authorization is a cost-savings feature designed to prevent improper
prescribing of certain expensive drugs that may not be the best choice for your health condition. It requires your physician to
obtain approval from the insurance company prior to prescribing certain medications.
Mandatory Generic — If a generic drug is available and you choose the brand name version instead, you’ll pay the difference
in cost between the brand and the generic, plus the applicable brand copay. This could result in a significant increase in
your out-of-pocket expenses. If you still wish to fill the brand name drug, your doctor will need to write “DAW” on your
prescription. This stands for “Dispense as Written.” In this case, the pharmacist will only fill the prescription with the brand
name drug. If you cannot tolerate the generic or have had an adverse reaction, talk to your doctor about requesting an
exception.
Specialty Performance Network — For those who take specialty medications (drugs to treat complex conditions like cancer
or rheumatoid arthritis), this program provides expanded choice and greater access to medications and services. You'll have
a choice in where to fill your prescriptions and how to receive them — either at a CVS retail pharmacy or via home delivery.
You’ll also have 24/7 access to specialty care teams who can help you manage symptoms, send reminders for lab testing,
monitor your medications for safety, and more.

Teladoc
When you enroll in an Infosys medical plan, you will also have access to Teladoc through Aetna. Teladoc offers confidential,
ongoing support from doctors, dermatologists, certified psychiatrists, licensed psychologists, therapists, or counselors by phone,
mobile app, and video, 7 days a week. It is a convenient way to receive care for minor conditions such as cold, flu, sinus infections,
allergies, pink eye, and more. When necessary, the doctor may also prescribe medicine to the pharmacy of your choice. Teladoc
services are covered under all Infosys medical plans at the same copay or coinsurance as a primary care/specialist physician visit.
To access Teladoc, visit www.teladoc.com/aetna or call 1-855-TELADOC (835-2362). It is recommended that you set up your
account in advance, so that when you become sick, or are in need of services, you'll receive the smoothest and quickest visit.

Home 7 Contacts
Critical Illness Insurance
Even the most comprehensive medical plans do not cover all the expenses of a serious medical condition like a heart attack
or cancer. Voluntary Group Critical Illness Insurance pays a lump sum benefit directly to you if you are diagnosed with a
covered illness. The benefit is paid in addition to any other insurance coverage you may have and can be used any way you
choose to offset out-of-pocket expenses. You choose the benefit amount when you enroll — either $15,000 or $30,000.

Covered Illnesses Include:

•H
 eart Attack • Stroke • End Stage Renal (Kidney) Failure • Crohn's Disease
•M
 ajor Organ Transplant • Cancer • And more

Plan Features
Guaranteed Issue*: There are no health questions or physical exams required. Americans spend an
average of about $5,000
Family Coverage: Coverage options are available for your spouse and children. a year on out-of-pocket
 EW! Fixed Health Screening Services Rider: The coverage pays $75 per covered
N health care costs.
person per calendar year if a covered health screening test is performed, such as a Bureau of Labor Statistics
biopsy for skin cancer, lipid panel, mammogram, chest X-ray, and more. Consumer Expenditures Survey
2020
Portable Coverage: You can take your policy with you if you change jobs or retire.

Group Voluntary Critical Illness Bi-Weekly Contributions

NON-TOBACCO RATES TOBACCO RATES
Plan 1 - $15,000 Plan 2 - $30,000 Plan 1 - $15,000 Plan 2 - $30,000
Age Employee / Employee + Employee / Employee + Age Employee / Employee + Employee / Employee +
Employee + Spouse / Employee + Spouse / Employee + Spouse / Employee + Spouse /
Child(ren) Family Child(ren) Family Child(ren) Family Child(ren) Family
18-24 $1.46 $2.45 $2.40 $3.87 18-24 $1.57 $2.62 $2.63 $4.20
25-29 $1.88 $3.10 $3.20 $5.08 25-29 $1.97 $3.24 $3.38 $5.35
30-34 $2.50 $4.04 $4.40 $6.90 30-34 $2.67 $4.30 $4.75 $7.43
35-39 $3.42 $5.48 $6.16 $9.59 35-39 $4.00 $6.35 $7.31 $11.32
40-44 $4.62 $7.32 $8.47 $13.09 40-44 $5.63 $8.82 $10.49 $16.12
45-49 $6.11 $9.60 $11.37 $17.48 45-49 $7.86 $12.22 $14.87 $22.74
50-54 $7.72 $12.05 $14.49 $22.22 50-54 $10.57 $16.34 $20.22 $30.80
55-59 $9.28 $14.42 $17.58 $26.88 55-59 $13.51 $20.76 $26.04 $39.56
60-64 $16.27 $25.17 $31.04 $47.32 60-64 $24.65 $37.73 $47.79 $72.44
65-69 $22.00 $33.97 $42.06 $64.05 65-69 $35.19 $53.76 $68.44 $103.64
70-74 $30.66 $47.25 $58.76 $89.41 70-74 $50.10 $76.43 $97.66 $147.77
75-79 $37.40 $57.52 $71.97 $109.38 75-79 $59.02 $89.94 $115.21 $174.23
80+ $48.06 $73.59 $93.17 $141.24 80+ $81.00 $123.00 $159.05 $240.06

*Although Guaranteed Issue, all Exclusions and Limitations still apply to the coverage.
The policy or its provisions, as well as covered illnesses, may vary or be unavailable in some states. The policy has exclusions and limitations which may affect
any benefits payable.
This is incomplete without ABJ36146X-Insert-Infosys.

Home 8 Contacts
 Accident Insurance Hospital Indemnity
Accidents happen. You can’t always prevent them, but you
can reduce your exposure to the financial ­impact. Group
Insurance
Voluntary Accident Insurance pays cash benefits directly If you are admitted into a hospital, it doesn’t take long for
to you if you are injured in a covered accident. Benefits are the out-of-pocket costs to pile up. Group Voluntary Hospital
paid even if you have other insurance coverage and can be Indemnity Insurance pays benefits directly to you if you are
used to offset out-of-pocket expenses. admitted into a hospital for care due to a covered accident,
sickness, or pregnancy. Benefits are paid even if you have
The benefit amount is calculated based on the type of other insurance coverage.
injury, its severity, and the medical services required in
treatment and recovery. The plan covers a wide variety of You will receive a benefit when you are first admitted and
accident-related expenses, including: then an additional benefit for each day you are confined
• Injury Treatment (fractures, dislocations, burns, to the hospital. Additional benefits will be paid if you are
lacerations, concussions, and more) confined to an intensive care unit.

•H
 ospital Confinement There are two plan options to choose from — either a
•P
 hysical Therapy $1,500 or $3,000 hospital admission benefit.
•E
 mergency Room Services Rider
Benefits can be used however you choose — to offset
•A
 ccident Treatment and Urgent Care Rider out-of-pocket expenses like deductibles and coinsurance, or
to cover non-medical expenses, such as household bills and
Plan Features child care.

N
 EW! Fixed Health Screening Services Rider: The Plan Features
coverage pays $75 per covered person per calendar
NEW! Fixed Health Screening Services Rider: The
year if a covered health screening test is performed.
coverage pays $75 per covered person per calendar
G
 uaranteed Issue*: There are no health questions or year if a covered health screening test is performed.
physical exams required.
Guaranteed Issue*: There are no health questions or
F
 amily Coverage: Coverage options are available for physical exams required.
your spouse and children.
Family Coverage: You can elect to cover your spouse
2
 4/7 Coverage: Benefits are paid for accidents that and children.
happen on and off the job.
Portable Coverage: You can take your policy with you if
P
 ortable Coverage: You can take your policy with you if you change jobs or retire.
you change jobs or retire.

Group Voluntary Hospital

Group Voluntary Accident
Indemnity Bi-Weekly Contributions
Bi-Weekly Contributions
EMPLOYEE + EMPLOYEE +
EMPLOYEE FAMILY
SPOUSE CHILD(REN)
EMPLOYEE + EMPLOYEE +
EMPLOYEE FAMILY
SPOUSE CHILD(REN) Option 1 –
$5.42 $11.41 $9.52 $17.35
$3.11 $5.46 $6.26 $8.41 $1,500
Option 2 –
$10.78 $22.81 $18.45 $33.83
$3,000

*Although Guaranteed Issue, all Exclusions and Limitations still apply to the coverage.
The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable.
This piece is incomplete without brochure and inserts: ABJ36146X, ABJ36146X-Insert-Infosys; ABJ36145X, ABJ36145X-Insert-Infosys; and ABJ36147X_
ABJ36147X-Insert-Infosys which include a full description of benefits, limitations and exclusions.
The Critical Illness, Accident, and Hospital Indemnity coverage is underwritten by American Heritage Life Insurance Company (Home Office, Jacksonville, FL).
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company, a subsidiary of The Allstate Benefits Corporation.

Home 9 Contacts
Dental Benefits
Infosys offers two dental plan options through Aetna, the Basic Dental PPO Plan and the Premium Dental PPO
Plan. The plans cover in- and out-of-network providers, but you will pay less out-of-pocket if you stay within the
network. As part of annual preventive care, enrolled participants are eligible for up to two cleanings and exams
per year at no cost. To find a participating dentist, visit www.aetna.com. Please note, all deductibles and
out-of-pocket amounts accumulate on a calendar year (January 1 – December 31) basis.

BASIC DENTAL PPO PLAN PREMIUM DENTAL PPO PLAN

In-Network Out-of-Network In-Network Out-of-Network

Calendar Year Deductible $50 Individual / $150 Family $50 Individual / $150 Family

Annual Maximum $2,500 per individual $3,000 per individual

Covered at 100% Covered at 100%
Diagnostic & Preventive Covered at 100%, Covered at 100%,
up to ARC*; no up to ARC*; no
Services - Type A Expenses no deductible no deductible
deductible deductible
20% after 10% after
Basic Services - Type B
20% after deductible deductible, 10% after deductible deductible,
Expenses
up to ARC* up to ARC*
40% after 30% after
Major Services - Type C 40% after
deductible, 30% after deductible deductible,
Expenses deductible
up to ARC* up to ARC*
Covered at 50%; up to $3,000 lifetime
Orthodontic Expenses Not covered
maximum
BI-WEEKLY CONTRIBUTIONS
Employee $11.98 $14.38
Employee + Spouse $20.97 $25.16
Employee + Child(ren) $17.97 $21.57
Employee + Family $27.56 $33.07
*ARC is the maximum amount Aetna will pay for a covered expense from an out-of-network provider.

Home 10 Contacts
Vision Benefits
Infosys offers vision benefits through VSP. You will pay less out-of-pocket by choosing in-network providers.
For a list of participating doctors, visit www.vsp.com. To learn about additional discounts and savings, visit
www.vsp.com/specialoffers.

VSP VISION PLAN

In-Network
Eye Exam - once every 12
$0 copay
months
$200 allowance for a wide selection of frames
Frames - once every 12 $220 allowance for featured frame brands
months 20% savings on the amount over your allowance
$110 allowance at Costco and Walmart
Lenses - once every 12
$0 copay
months
Lens Enhancements - once $0 copay for progressive lenses, ultraviolet coating
every 12 months Average savings of 40% on other lens enhancements
Contact Lenses (in lieu of
$0 copay
glasses) - once every 12
$200 allowance for contacts
months
Contact Lens Exam Fitting
and Evaluation - once every Up to $25
12 months
Discounts are available on sunglasses, computer glasses, retinal screenings, and laser
Extra Savings
vision correction. Please refer to your benefit summary for more information.
Computer Vision Care Eye exam to evaluate needs related to computer use. Single vision, lined bifocal, lined
(employees only) trifocal, and occupational lenses are covered in full. $90 retail frame allowance.
$200 allowance for ready-made non-prescription sunglasses instead of prescription
LightCare (employees and
glasses or contacts. If you choose non-prescription sunglasses, you’ll be eligible for
dependents)
glasses or contacts 12 months from the date the sunglasses were obtained.
Treatment and diagnosis of eye conditions like pink eye, vision loss, and monitoring of
Essential Medical Eye Care
cataracts, glaucoma, and diabetic retinopathy. $20 exam copay.
BI-WEEKLY CONTRIBUTIONS
Employee $3.96
Employee + Spouse $7.71
Employee + Child(ren) $8.25
Employee + Family $13.18

Home 11 Contacts
Total Rewards
Infosys total rewards are an essential aspect of empowering employees to understand the value of
compensation, benefits, and the investment the Company is making in them. As total rewards are often
comprised of both tangible and intangible elements, we found it’s essential to have a tool that effectively
communicates the overall breadth of our employees’ individual compensation package in an, easy-to-
understand format.

Starting March 1, 2023, we are pleased to introduce the Total Rewards Portal (TRP) for employees! The TRP
will serve as a one-stop shop where employees can get a holistic view of not just their base salary, but their
broader compensation and total rewards opportunity. The online resource will be available on Bswift’s site at
www.infosys.bwift.com.

Start Your Wellness Journey

You can begin your wellness journey at any time. The perfect place to get started is the Infosys Aetna site
(www.aetna.com). You’ll find links to get you started with any of these programs that “meet you wherever
you are” on your well-being path —
1. Complete your profile on the Member Engagement Platform
2. L
 earn about your health risks and how to lower them by taking a Health Risk Assessment
3. G
 ain real-life tips for better well-being by signing up for Digital Coaching
4. Enroll in the Maternity program and earn incentives

Aetna’s Concierge Service

Aetna’s Concierge Service is like having a personal health
care assistant. If you need help understanding your health
plan, contact the Concierge team. A Health Concierge can
help you with things like finding in-network providers,
scheduling appointments, using Aetna’s online tools, and
estimating costs. Aetna’s Concierge Service is available
Monday – Friday, 8 a.m. – 6 p.m. (CST) at 1-888-219-9153 or
online at www.aetna.com.

Home 12 Contacts
Aetna Special Programs
As an Aetna member, you have access to a variety of free programs and services designed to help you manage
your health. Register for the member website at www.aetna.com to check claims status, find providers, print ID
cards, estimate health care costs, and gain access to the following programs and resources.
•A  etna One Flex provides ongoing one-on-one phone calls from a nurse who can help you manage a health
event or chronic condition. To register, visit the website shown on the back of your member ID card.
• Informed Health Line gives you and your covered family members 24/7 toll-free telephone access to a
registered nurse who can help you with a range of health topics. To access this service, call 1-800-556-1555 or
visit the member website.
•A  etna Maternity Program can help you learn about pregnancy and your baby’s health, reduce any health risks
you may have, quit smoking, cope with postpartum depression, and more. You can also earn up to $200 in gift
card incentives for participating. To enroll, call 1-800-272-3531 or visit the member website and look under
“Health Programs,” then choose “Maternity Program.”
• Dental/Medical Integration Program reaches out to individuals with targeted medical conditions, including
cardiac, diabetes, and maternity, and recommends enhanced dental care as part of their overall treatment. For
details, visit the member website.
•A  etna Pharmacy Advisor helps members with diabetes or cardiovascular conditions use their medications correctly
and stay on track with their prescribed treatments. To register, call 1-877-418-4128 or visit the member website.
• CVS HealthHUB offers in-store and telehealth services for many common illnesses, chronic conditions, and
mental health concerns. Visit CVS.com/HealthHUB to find a location near you.
• Aetna Health App lets you manage your benefits right from your phone. You can access plan summaries, view
ID cards, pay claims, find providers, and more. Download it from the App Store or Google Play.
• Discounts are available on a variety of products and services such as blood pressure monitors, gym memberships,
hearing aids, acupuncture, chiropractors, eyewear, weight management services, and much more. Visit the Aetna
website for details.

Employee Assistance Program (EAP)

Aetna’s EAP offers up to 3 (three) face-to-face or televideo counseling sessions per person/issue/year with a
licensed counselor to help you deal with personal issues and the demands of life and work. The EAP also provides
unlimited telephonic consultations to you, members of your household, and your adult children to age 26. The
EAP can assist with topics such as:
•R elationships • Family issues • Self-esteem and personal development
•S tress management •G rief and loss • Child and elder care
• Work/life balance • Depression and anxiety • And so much more!
Services are confidential and are available 24 hours a day, 7 days a week. To access EAP services, call
1-888-238-6232 or visit www.resourcesforliving.com (Username: Infosys / Password: EAP).

Paid Maternity Benefits

Infosys offers up to 8 (eight) weeks of paid maternity leave to all female
employees based in and deputed to the U.S. on a long-term basis and who
are on the U.S. payroll at the time the leave begins following the birth of
the employee’s child. Maternity leave will run concurrent with any existing
Federal, State, or Company leaves available. The leave period of 8 (eight)
weeks must be continuous. No intermittent leave is allowed. For more
details, please refer to: Sparsh > Policy Portal > Geo Specific >
Americas > USA.

Home 13 Contacts
Health Savings Account (HSA)
When you enroll in either the APCN+ or POS II Standard Plan or Basic Plan, you are also eligible to enroll in a
Health Savings Account. An HSA is a tax-exempt savings account you establish to pay for qualified out-of-pocket
medical expenses. HSAs are only available to eligible individuals who are enrolled in a High Deductible Health
Plan (HDHP). HSA dollars can be used to pay for medical and prescription drug expenses that are applied toward
deductibles, over-the-counter medications with a prescription, and non-covered medical, dental, and vision
expenses, all subject to IRS guidelines.

Contribution Amounts Here’s How the HSA Works

The IRS limits the amount you can contribute
to an HSA each year. These limits may change After you enroll in either a Standard Plan or
each year. It is your responsibility to ensure Basic Plan, you can set up your HSA through
your contributions don’t exceed the annual PayFlex. You choose how much to contribute,
limit. and the funds are deposited into your account
through pre-tax payroll deductions. You can
2023 ANNUAL IRS change your contribution amount at any time
COVERAGE LEVEL based on your budget and health care needs.
CONTRIBUTION LIMIT

Employee Only $3,850 You can use your HSA funds to pay for covered
Employee + Spouse health care expenses, such as deductibles
Employee + Child(ren) $7,750 and coinsurance for yourself and your eligible
Employee + Family dependents. Withdrawals from your HSA for
qualified medical expenses are tax-free.
If you are age 55 or older, you can contribute an
additional $1,000 in catch-up contributions annually.
You will receive an HSA debit card from PayFlex
to pay for expenses at the point of sale. You
Eligible Expenses can also pay out of pocket and then reimburse
yourself from your account by making a
You can use your HSA for out-of-pocket
withdraw. PayFlex debit cards are good for 5
medical, dental, and vision expenses. Examples
years. You may also request additional cards for
include deductibles, office visits, prescription
your dependent(s) and/or spouse.
drugs, hospital stays, lab work, speech/
occupational/physical therapists, dental Your HSA works like a savings account. Any
care, vision care, long-term care, and COBRA unused money will roll over to the next year.
premiums. For more details on eligibility rules, Your account will earn interest and grow over
IRS regulations, HSA fees, and more, call time. You always own the money in your HSA,
1-888-678-8242 or visit www.payflex.com. including interest and other investment earnings,
and you can take the account with you if you are
HSA Service Fees no longer employed by Infosys.

If your HSA reaches a zero or negative balance,

PayFlex will close your account. Once you separate from the Company, your HSA will be converted into a retail
account. A complete list of fees can be found on the Payflex website at www.payflex.com.

Note: You will need a valid Social Security number (SSN) to open a Health Savings Account with Payflex.

Home 14 Contacts
Flexible Spending Accounts (FSAs)
Flexible Spending Accounts allow you to set aside money for eligible expenses and help you reduce your income
taxes at the same time. Infosys offers a Health Care FSA and a Dependent Care FSA.

Health Care FSA

The Health Care FSA allows you set aside pre-tax dollars to pay for eligible out-of-pocket medical, prescription,
dental, and vision expenses throughout the plan year. You decide how much to contribute through payroll
deductions up to the annual IRS limit of $3,050.
If you are already enrolled in a Health Savings Account (HSA), you are not eligible for the Health Care FSA.

Dependent Care FSA

You can set aside pre-tax dollars for dependent daycare costs necessary so that you (and your spouse, if
married) can work or look for work full-time. The daycare must be provided by a care center or individual who
can provide a name, address, and taxpayer ID number, including:
•A
 dependent daycare center
•A
 n education institution for pre-school children (for older children, only expenses for non-school care are
eligible)
•A
 n individual who provides care inside or outside your home; this person may not be a child of yours under
age 19 or anyone you claim as a dependent for federal tax purposes

Participating in the FSAs

To participate in the FSAs, you must re-enroll every year. Your current elections will not roll over into the new
plan year. Once enrolled, you cannot cancel or change your contribution amount until the next Open Enrollment
period, unless you have a Qualifying Life Event such as birth, death, divorce, loss/gain of job, change of daycare
provider, change of location, etc.

You may incur FSA expenses throughout the plan year (April 1 – March 31). You will receive an FSA debit card
(Health Care FSA only) from PayFlex to pay for expenses at the point of sale. You can also pay out of pocket and
then submit a claim for reimbursement from your account. PayFlex debit cards are good for 5 years. You may
also request additional cards for your dependent(s) and/or spouse. All claims must be submitted by June 30,
2024. Plan carefully when deciding how much money to contribute to your account. The IRS “use it or lose it”
rule dictates that you forfeit any money left in your account after the claims submission deadline.

PLAN CONTRIBUTION AMOUNT EXAMPLES OF COVERED EXPENSES

Deductibles, copays, prescription drugs,
Health Care FSA $250 to $3,050
medical equipment, etc.
$900 to $5,000 per year ($2,500 if married and Daycare, summer camp, adult daycare, adult private
Dependent Care FSA
filing separate tax returns) sitters, in-home care, and nursery school

Visit www.IRS.gov for a complete list of eligible expenses.

Payflex
Questions on your spending accounts? Contact PayFlex at www.payflex.com or 1-888-678-8242.

Home 15 Contacts
Commuter Benefits
The Commuter Benefits Online Solution enables you to use pre-tax dollars to pay for transportation and parking
expenses spent on your commute to work.

You have all you need to manage commuter benefits on the PayFlex member website at www.payflex.com.
After enrolling in the online commuter benefits program, you can:

•O
 rder transit and parking passes, vouchers, and a Commuter Check® card
•A
 dd funds to a fare card
•S
 et up monthly direct pay for a parking provider

You may contribute up to $300 per month for mass transit and up to $300 per month for parking expenses.
Eligible transit expenses include bus vouchers or passes, vanpooling, and ferry passes used to commute to and
from work. Eligible parking expenses include parking costs at a lot at or near your place of business or place of
commute. If your employment is terminated or if you become ineligible for commuter benefits, any remaining
balance in your account will be forfeited.

PLAN CONTRIBUTION AMOUNT EXAMPLES OF COVERED EXPENSES

$300 per month for mass transit expenses Bus vouchers, vanpools, ferry passes, and parking
Commuter Benefits
$300 per month for parking expenses lots at or near your place of business

Visit www.IRS.gov for a complete list of eligible expenses.

Home 16 Contacts
Basic Life and AD&D Insurance
Regular, full-time employees are provided with company-paid Basic Life and Accidental Death and Dismemberment
(AD&D) Insurance. Eligible employees are automatically enrolled and Infosys pays the full cost of this benefit.
EMPLOYEE CLASS COVERAGE AMOUNTS
PL2 – PL6 $75,000 Remember to designate
PL7, AVP, VP, Partner 2x salary, up to $1 million
a Beneficiary
Use the online enrollment system or
PL9, SVP, EVP 3x salary, up to $1 million
speak with a Benefits Counselor to
President 4x salary, up to $1 million record or update your beneficiary
information during enrollment.

Voluntary Life and AD&D Insurance

You also have the option to elect additional Voluntary Life and AD&D Insurance as a supplement to the company-
paid benefit. This coverage is completely voluntary. Your per-paycheck cost will depend on your age and the
coverage amount you elect.
PLAN ANNUAL MAXIMUM CONTRIBUTION
Available in amounts from 1x to 6x your annual earnings (not to exceed $1,000,000)
Guarantee Issue: Lesser of 3x your annual earnings or $500,000
Employee
Age Reduction: Benefits reduce to 50% of original amount at age 70
AD&D: Same as Voluntary Life amount
Available in $5,000 increments (not to exceed $250,000 or 50% of the employee’s election)
Spouse Guarantee Issue: $30,000
AD&D: 50% of the employee’s Voluntary AD&D amount (40% if child is included)
Available in $1,000 increments (not to exceed $10,000 or 50% of employee’s election)
Child(ren) Guarantee Issue: N/A
AD&D: 15% of the employee’s Voluntary AD&D amount (10% if spouse is included)

EMPLOYEE AND SPOUSE LIFE INSURANCE RATES PER $1,000 OF COVERAGE

AGE <25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75+
COST $0.042 $0.050 $0.067 $0.076 $0.084 $0.126 $0.218 $0.420 $0.671 $1.184 $1.789 $1.789
Child(ren) Rate Per $1,000 of Coverage: $0.042
AD&D Cost per $1,000 of Coverage (Employee Only): $0.035 Employee Only
AD&D Cost per $1,000 of Coverage (Employee + 1 or More): $0.050

Important Things to Remember

• Remember to update your beneficiary annually. • If you move to the next age bracket due to a birthday,
• You must elect coverage for yourself in order to enroll or if you have a salary change in the middle of the plan
in spouse or child Life and AD&D benefits. year, the premium change for the Life benefits will take
effect on the first of the month following your birthday
• The rate for your spouse is based on your spouse’s
age. or salary change.
Please Note: Employees not currently enrolled in the Voluntary Life
• You will be required to submit Evidence of Insurability plan can elect coverage with the approval of Evidence of Insurability
(EOI) if: (EOI). Employees currently enrolled in the Voluntary Life plan can
opt-up one level up to the Guarantee Issue amount without having to
- Y
 ou declined coverage when it was first offered
provide EOI.
to you (or your spouse) and you are choosing to
Employees not currently enrolled in the Spouse Life plan can elect
enroll in coverage now.
coverage with the approval of EOI. Employees currently enrolled in
- T
 his is your initial enrollment and you choose the Spouse Life plan can elect an increase in coverage of $5,000
to elect an amount above the Guarantee Issue without EOI; however, this amount cannot exceed $30,000.
amount.

Home 17 Contacts
Disability Insurance
Disability Insurance is designed to provide a portion of your salary when you are unable to work due to a
non-work-related accident or illness. While you are on leave of absence, you will still need to pay your share of
your employee health and welfare benefits.

Short-Term Disability Insurance

Regular, full-time employees have the opportunity to purchase Short-Term Disability Insurance through The
Hartford. If you wish to enroll in Short-Term Disability during your initial new hire eligibility period, you will not be
required to complete the medical questionnaire, also known as Evidence of Insurability (EOI). If you do not enroll
now and wait to enroll for the first time during the next Open Enrollment period, then you will be required to
complete the EOI.

SHORT-TERM DISABILITY - EMPLOYEE PAID

Benefit Amount Up to 66.67% of base pay
Benefit Maximum $2,000 per week
Benefit Duration Up to 13 weeks or until no longer disabled
Elimination Period 7 days*
Cost $0.16 per month/per $10 dollars of weekly covered benefit
*Benefits start on the eighth calendar day for a disability period due to illness or disabling pregnancy-related condition. Benefits start on the first calendar day
for a disability period due to an injury.

How to Calculate Your Premium

Below is an example of how the premium would be calculated for an employee with a $75,000 annual salary:
$75,000 (annual salary) ÷ 52 (weeks in the year) x 66.67% (benefit) = $962 weekly covered benefit
$962 x $0.16 (rate) ÷ $10 = $15.39 monthly premium
$15.39 x 12 ÷ 26 (pay periods) = $7.10 bi-weekly premium

In case of a salary change in the middle of the plan year, the premium change for the disability benefit will take
effect on the first of the month following the salary change.

Long-Term Disability Insurance

Regular, full-time employees are provided with company-paid Long-Term Disability Insurance at no cost through
The Hartford.

LONG-TERM DISABILITY - EMPLOYER PAID

Benefit Amount Up to 66.67% of base pay
Benefit Maximum $10,000 per month
Benefit Duration Up to age 65 if totally disabled*
Elimination Period 90 days
Cost None
*If you are disabled prior to age 63, the maximum duration will be the calendar month when you reach Social Security Normal Retirement. If you are disabled at
age 63 and older, there is a reducing maximum duration.
PLEASE NOTE: No benefits are payable for a period of disability commencing during the first 12 months of coverage if the disability resulted from a condition
which was treated during the 3 months preceding the effective date of coverage.

Home 18 Contacts
401(k) Program
Infosys offers a 401(k) Program to help you save for retirement. There
are two plan options available based on employee classification. You
may enroll upon hire and defer a portion of your pre-tax or post-tax
(Roth) income into your 401(k) account up to annual IRS limits. You
have a choice of investing your contributions in various mutual funds.
Fidelity Investments is the record-keeper, and you may visit
www.netbenefits.com for more details.

Annual Deferral Limits for 2023

• Base employees can contribute up to the annual IRS limit of $22,500.
• For deputees who are considered highly-compensated employees (HCEs), the annual contribution amount is
capped at $3,000.
• Employees age 50 or older may also make additional catch-up contributions of up to $7,500.

Plan Options and Eligibility

Infosys currently offers two different plans. Eligibility is as follows:
• Infosys Limited Tax Savings 401(k) Profit Sharing Plan (Plan Number 28964)* – All deputees working in the USA
are eligible regardless of compensation. Annual contribution limits of $3,000 will apply for all highly-compensated
employees (HCEs). Non-highly compensated employees (NHCEs) can contribute up to the maximum IRS limit of
$22,500, plus $7,500 as a catch-up contribution (if age 50 or older) for the plan year 2023.
• Infosys Limited Tax Savings 401(k) Safe Harbor Plan (Plan Number 22850) – All base employees are eligible.
Base employees with an annual salary (base + target performance bonus at 100% payout) of $150,000 or less are
eligible to receive an employer match. Matching contributions are made on a per-payroll basis. Base hires who
are not eligible for the employer match will be eligible to contribute up to the IRS maximum limit towards their
401(k) account.

Employer Matching Contributions

• Infosys Limited Tax Savings 401(k) Profit Sharing Plan (Plan Number 28964)* – Currently there is no employer
match, but this is subject to change at the discretion of Infosys.
• Infosys Limited Tax Savings 401(k) Safe Harbor Plan (Plan Number 22850) – Infosys will match 100% of the first
3% of your pay that you contribute to the plan and will match 50% of the next 2% of your pay that you contribute
to the plan (up to a maximum 4% net matching contribution). Base employees with an annual salary (base +
target performance bonus) of $150,000 or more will qualify for an employer match in 2023 only if they are
non-highly compensated employees (NHCEs). According to the IRS, NHCEs are employees who earned less than
$135,000 in 2022. The matching contribution will continue as long as you remain an NHCE. If your status changes
to HCE as per your 2023 W2, the matching contribution will cease for the 2024 plan year.
While the plans do not allow for loans, you may apply for a hardship withdrawal for reasons including, but not
limited to: medical expenses; purchase of a primary residence; payment of tuition or other education-related
expenses; or payment of funeral or burial expenses.

How to Enroll
You can enroll anytime during the plan year by going to www.netbenefits.com. Once you’ve registered, you can
visit the site to access your account, review plan documents, and access online workshops and tutorials that can
help you make the most of the plan. To speak with Fidelity Guidance or a service associate, call 1-800-835-5095.

*The Infosys Limited Tax Savings 401(k) Profit Sharing Plan (Plan Number 28964) is not available to Vanguard employees.

Home 19 Contacts
Pet Insurance
MetLife Pet Insurance can help take the worry out of covering the cost of unexpected veterinary care for your dog
or cat. The plan can help reimburse you for covered vet visits, accidents, illnesses, and more. It can also help keep
your pet safe and healthy with preventive care like X-rays and ultrasounds.

WHAT IS COVERED
Accidental injuries Ultrasounds Congenital conditions
Illnesses Hospital stays Chronic conditions
Exam fees X-rays and diagnostic tests Alternative therapies
Surgeries Hip dysplasia Holistic care
Medications Hereditary conditions And much more!

Key Benefits
• Flexible coverage: You choose the level of coverage that works best for you and your pet.
• Your choice of providers: You can visit any licensed vet, specialist, or emergency clinic in the U.S.

How It Works
1. Take your pet to the vet and pay the bill.
2. Submit the bill and claim documents via mobile app, online portal, email, fax, or mail.
3. Receive reimbursement by check or direct deposit.

To enroll or receive a quote, call 1-800-GET-MET8 (1-800-438-6388) or

visit https://quote.metlifepetinsurance.com. Scan here for more details


Auto and Home Insurance
As an Infosys Limited employee, you have access to Auto and Home
Insurance through Farmers GroupSelect. This program provides special
savings, outstanding customer service, and a full suite of products to
meet your diverse insurance needs. In addition to auto and homeowners
insurance, it offers condo, renters, personal excess liability, boat,
motorcycle, recreational vehicle, and personal property policies.
The program offers benefits and savings including a group discount,
automatic payment discounts, good driving rewards, multi-policy
discounts, and more.
You may apply for these policies at any time by calling
1-800-438-6381 or visiting https://myautohome.farmers.com.
Your group discount code is A3G.

Scan here for more details

Home 20 Contacts
Legal Insurance
Life is full of legal situations. Some you plan for, like creating a will, and others are more unexpected — like
fighting a traffic ticket or getting your deposit back from a difficult landlord. Legal insurance makes it affordable
to get the legal help you need: network attorney fees are 100% paid-in-full for most covered matters.

Key Benefits
• In-office services: Address your covered legal situations with a network attorney for legal help and
representation. Access a nationwide network of more than 14,000 attorneys who average 20 years of experience.
• Telephonic advice: Quickly address your covered legal situations with a network attorney who is only a phone call
away for legal help and representation.
• Online resources: ARAG provides online tools and useful information to learn more about legal issues on your
own. Use the DIY Docs™ to help you create a variety of legally valid documents, including state-specific templates.

Two Plan Options

You can choose between two plans to get the coverage that best fits the needs of you and your family. Ultimate
Advisor™ covers most common legal issues. Ultimate Advisor Plus™ includes more robust coverage, plus additional
services. New for 2023, both plans will offer Diversity, Equity, and Inclusion Benefits, as well as driving privilege
protection and restoration for DWI. The Plus plan will also include expanded family law benefits.

ULTIMATE ADVISOR™ ULTIMATE ADVISOR PLUS™

Covers most common legal issues, including: Upgrade your plan for more coverage and services including:
Consumer protection Immigration services
Criminal matters Caregiving services for parents and grandparents
Debt-related matters Child custody, support, and visitation
Driving matters Financial planning education
Tax issues Tax services
Family matters Trusts
Landlord/tenant issues NEW! Family Law Benefits, including:
Real estate and home ownership •C
 ontested and uncontested child support enforcement
Wills and estate planning (adding defendant coverage)

NEW! Diversity, Equity, and Inclusion Benefits, including: • Uncontested alimony and child support modification

• Domestic partnership agreements •C

 ontested alimony and child support modification
(8 hours)
• Surrogacy agreements
• Restraining order for insured and named insured
• Gender identifier changes
• Post-nuptial agreements
• Egg/sperm donor agreements
NEW! Driving privilege protection and restoration for DWI

To learn more, call 1-800-247-4184 or visit www.ARAGlegal.com/myinfo (access code 18383inf).

Legal Insurance Bi-Weekly Contributions

ULTIMATE ADVISOR™ ULTIMATE ADVISOR PLUS™

Employee + Family $5.65 $10.72

Home 21 Contacts
Important Legal for adoption, you may be able to enroll yourself
and your dependents. However, you must request
denial. You have a right to have the Plan review
and reconsider your claim. Under ERISA, there are

Notices Affecting enrollment within 31 days after the marriage,

birth, adoption, or placement for adoption.
steps you can take to enforce these rights. For
instance, if you request materials from the Plan

Your Health Plan Further, if you decline enrollment for yourself or

eligible dependents (including your spouse) while
Administrator and do not receive them within 30
days, you may file suit in federal court. In such a
Medicaid coverage or coverage under a State case, the court may require the Plan Administrator
NEWBORN & MOTHERS HEALTH PROTECTION CHIP program is in effect, you may be able to to provide the materials and pay you up to $110
NOTICE enroll yourself and your dependents in this plan if: per day, until you receive the materials, unless the
For maternity hospital stays, in accordance with materials were not sent due to reasons beyond
• coverage is lost under Medicaid or a State CHIP
federal law, the Plan does not restrict benefits, the control of the Plan Administrator. If you have
program; or
for any hospital length of stay in connection with a claim for benefits which is denied or ignored,
childbirth for the mother or newborn child, to less • you or your dependents become eligible for a in whole or in part, and you have exhausted the
than 48 hours following a vaginal delivery or less premium assistance subsidy from the State. available claims procedures under the Plan, you
than 96 hours following a Cesarean delivery. In either case, you must request enrollment within may file suit in a state or federal court. If it should
However, federal law generally does not prevent 60 days from the loss of coverage or the date you happen that Plan fiduciaries misuse the Plan’s
the mother’s or newborn’s attending care become eligible for premium assistance. money, or if you are discriminated against for
provider, after consulting with the mother, from To request special enrollment or obtain more asserting your rights, you may seek assistance
discharging the mother or her newborn earlier information, contact person listed at the end of from the U.S. Department of Labor, or you may
than 48 hours (or 96 hours, as applicable). this summary. file suit in a federal court. The court will decide
The plan cannot require a provider to obtain who should pay court costs and legal fees. If you
authorization from the Plan for prescribing a are successful, the court may order the person
STATEMENT OF ERISA RIGHTS
length of stay not in excess of 48 hours (or 96 you have sued to pay these costs and fees. If you
As a participant in the Plan you are entitled lose (for example, if the court finds your claim is
hours).
to certain rights and protections under the frivolous) the court may order you to pay these
Employee Retirement Income Security Act of 1974 costs and fees.
THE WOMEN’S HEALTH CANCER RIGHTS ACT OF (“ERISA”). ERISA provides that all participants
Assistance with your Questions If you have any
1998 (WHCRA) shall be entitled to:
questions about your Plan, this statement, or
If you have had or are going to have a Receive Information about Your Plan and your rights under ERISA, you should contact
mastectomy, you may be entitled to certain Benefits the nearest office of the Employee Benefits and
benefits under the Women’s Health and Cancer • Examine, without charge, at the Plan Security Administration, U.S. Department of
Rights Act of 1998 (WHCRA). For individuals Administrator’s office and at other specified Labor, listed in your telephone directory or the
receiving mastectomy-related benefits, coverage locations, the Plan and Plan documents, Division of Technical Assistance and Inquiries,
will be provided in a manner determined in including the insurance contract and copies of Employee Benefits and Security Administration,
consultation with the attending physician and the all documents filed by the Plan with the U.S. U.S. Department of Labor, 200 Constitution
patient, for: Department of Labor, if any, such as annual Avenue N.W., Washington, D.C. 20210.
• All stages of reconstruction of the breast on reports and Plan descriptions.
which the mastectomy was performed; • Obtain copies of the Plan documents and other CONTACT INFORMATION
• Surgery and reconstruction of the other breast Plan information upon written request to the
Questions regarding any of this information can
to produce a symmetrical appearance; Plan Administrator. The Plan Administrator may
be directed to: Human Resources 2400 North
• Prostheses; and make a reasonable charge for the copies.
Glenville Drive, # C150, Richardson, TX 75082
• Treatment of physical complications of the • Receive a summary of the Plan’s annual financial 214-306-2100 geegal_mangi@infosys.com
mastectomy, including lymphedema. report, if required to be furnished under ERISA.
These benefits will be provided subject to the The Plan Administrator is required by law to
furnish each participant with a copy of this NOTICE OF HIPAA PRIVACY PRACTICES
same deductibles and coinsurance applicable
summary annual report, if any. THIS NOTICE DESCRIBES HOW MEDICAL
to other medical and surgical benefits provided
Continue Group Health Plan Coverage If INFORMATION ABOUT YOU MAY BE USED AND
under this plan. For deductibles and coinsurance
applicable, you may continue health care DISCLOSED AND HOW YOU CAN GET ACCESS
information applicable to the plan in which
coverage for yourself, spouse or dependents TO THIS INFORMATION. PLEASE REVIEW IT
you enroll, please refer to the summary plan
if there is a loss of coverage under the plan CAREFULLY.
description.
If you would like more information on WHCRA as a result of a qualifying event. You and your
benefits, call Human Resources at 1-866-758-1903. dependents may have to pay for such coverage. YOUR INFORMATION. YOUR RIGHTS. OUR
Review the summary plan description and the RESPONSIBILITIES.
documents governing the Plan for the rules on Recipients of the notice are encouraged to
NOTICE OF SPECIAL ENROLLMENT RIGHTS COBRA continuation of coverage rights. read the entire notice. Contact information for
If you are declining enrollment for yourself or Prudent Actions by Plan Fiduciaries In addition questions or complaints is available at the end of
your dependents (including your spouse) because to creating rights for participants, ERISA imposes the notice.
of other health insurance or group health plan duties upon the people who are responsible Your Rights You have the right to:
coverage, you may be able to enroll yourself for operation of the Plan. These people, called
and your dependents in this plan if you or your • Get a copy of your health and claims records
“fiduciaries” of the Plan, have a duty to operate
dependents lose eligibility for that other coverage the Plan prudently and in the interest of you and • Correct your health and claims records
(or if the employer stops contributing toward your other Plan participants. No one, including the • Request confidential communication
or your dependents’ other coverage). However, Company or any other person, may fire you or • Ask us to limit the information we share
you must request enrollment within 31 days after discriminate against you in any way to prevent
your or your dependents’ other coverage ends (or • Get a list of those with whom we’ve shared your
you from obtaining welfare benefits or exercising
after the employer stops contributing toward the information
your rights under ERISA.
other coverage). • Get a copy of this privacy notice
Enforce your Rights If your claim for a welfare
In addition, if you have a new dependent as a benefit is denied in whole or in part, you must • Choose someone to act for you
result of marriage, birth, adoption, or placement receive a written explanation of the reason for the • File a complaint if you believe your privacy

Home 22 Contacts
 rights have been violated notice electronically. We will provide you with a health information about you to develop better
Your Choices You have some choices in the way paper copy promptly. services for you.
that we use and share information as we: Choose someone to act for you How else can we use or share your health
• Answer coverage questions from your family • If you have given someone medical power of information?
and friends attorney or if someone is your legal guardian, We are allowed or required to share your
• Provide disaster relief that person can exercise your rights and make information in other ways – usually in ways
choices about your health information. that contribute to the public good, such as
• Market our services and sell your information
• We will make sure the person has this authority public health and research. We have to meet
Our Uses and Disclosures We may use and share many conditions in the law before we can share
and can act for you before we take any action.
your information as we: your information for these purposes. For more
File a complaint if you feel your rights are
• Help manage the health care treatment you information see:
violated
receive www.hhs.gov/ocr/privacy/hipaa/understanding/
• You can complain if you feel we have violated
• Run our organization consumers/index.html.
your rights by contacting us using the
• Pay for your health services information at the end of this notice. Help with public health and safety issues
• Administer your health plan • You can file a complaint with the U.S. We can share health information about you for
• Help with public health and safety issues Department of Health and Human Services certain situations such as:
• Do research Office for Civil Rights by sending a letter to 200 • Preventing disease
• Comply with the law Independence Avenue, S.W., Washington, D.C. • Helping with product recalls
20201, calling 1-877-696-6775, or visiting
• Respond to organ and tissue donation requests • Reporting adverse reactions to medications
www.hhs.gov/ocr/privacy/hipaa/complaints/.
and work with a medical examiner or funeral • Reporting suspected abuse, neglect, or
director • We will not retaliate against you for filing a
domestic violence
complaint.
• Address workers’ compensation, law • Preventing or reducing a serious threat to
enforcement, and other government requests Your Choices For certain health information, you
anyone’s health or safety
can tell us your choices about what we share. If
• Respond to lawsuits and legal actions Do research We can use or share your
you have a clear preference for how we share
Your Rights When it comes to your health your information in the situations described information for health research.
information, you have certain rights. This below, talk to us. Tell us what you want us to Comply with the law We will share information
section explains your rights and some of our do, and we will follow your instructions. In these about you if state or federal laws require it,
responsibilities to help you. cases, you have both the right and choice to tell including with the Department of Health and
Get a copy of health and claims records us to: Human Services if it wants to see that we’re
• You can ask to see or get a copy of your health • Share information with your family, close complying with federal privacy law.
and claims records and other health information friends, or others involved in payment for your Respond to organ and tissue donation requests
we have about you. Ask us how to do this. care and work with a medical examiner or funeral
• We will provide a copy or a summary of your • Share information in a disaster relief situation director
health and claims records, usually within If you are not able to tell us your preference, • We can share health information about you with
30 days of your request. We may charge a for example if you are unconscious, we may go organ procurement organizations.
reasonable, cost-based fee. ahead and share your information if we believe • We can share health information with a coroner,
Ask us to correct health and claims records it is in your best interest. We may also share medical examiner, or funeral director when an
your information when needed to lessen a individual dies.
• You can ask us to correct your health and
serious and imminent threat to health or safety. Address workers’ compensation, law
claims records if you think they are incorrect or
incomplete. Ask us how to do this. • In these cases we never share your information enforcement, and other government requests
unless you give us written permission: Marketing We can use or share health information about
• We may say “no” to your request, but we’ll tell
purposes Sale of your information you:
you why in writing, usually within 60 days.
Our Uses and Disclosures • For workers’ compensation claims
Request confidential communications
How do we typically use or share your health • For law enforcement purposes or with a law
• You can ask us to contact you in a specific way
information? We typically use or share your enforcement official
(for example, home or office phone) or to send
health information in the following ways.
mail to a different address. • With health oversight agencies for activities
Help manage the health care treatment you authorized by law
• We will consider all reasonable requests, and
receive We can use your health information and
must say “yes” if you tell us you would be in • For special government functions such as
share it with professionals who are treating you.
danger if we do not. military, national security, and presidential
Example: A doctor sends us information about
Ask us to limit what we use or share protective services
your diagnosis and treatment plan so we can
• You can ask us not to use or share certain health arrange additional services. Respond to lawsuits and legal actions
information for treatment, payment, or our Pay for your health services We can use and We can share health information about you in
operations. disclose your health information as we pay response to a court or administrative order, or in
• We are not required to agree to your request. for your health services. Example: We share response to a subpoena.
Get a list of those with whom we’ve shared information about you with your dental plan to Our Responsibilities
information coordinate payment for your dental work. • We are required by law to maintain the
• You can ask for a list (accounting) of the times Administer your plan We may disclose your privacy and security of your protected health
we’ve shared your health information for up health information to your health plan sponsor information.
to six years prior to the date you ask, who we for plan administration. Example: Your company • We will let you know promptly if a breach
shared it with, and why. contracts with us to provide a health plan, and we occurs that may have compromised the privacy
• We will include all the disclosures except for provide your company with certain statistics to or security of your information.
those about treatment, payment, and health explain the premiums we charge.
• We must follow the duties and privacy practices
care operations, and certain other disclosures Run our organization described in this notice and give you a copy of
(such as any you asked us to make). We’ll • We can use and disclose your information to it.
provide one accounting a year for free but will run our organization and contact you when • We will not use or share your information other
charge a reasonable, cost-based fee if you ask necessary. than as described here unless you tell us we can
for another one within 12 months. • We are not allowed to use genetic information in writing. If you tell us we can, you may change
Get a copy of this privacy notice to decide whether we will give you coverage your mind at any time. Let us know in writing if
You can ask for a paper copy of this notice at and the price of that coverage. This does not you change your mind.
any time, even if you have agreed to receive the apply to long term care plans. Example: We use

Home 23 Contacts
For more information see: www.hhs.gov/ocr/privacy/ current coverage with Infosys Limited and don’t available to you when you would otherwise lose
hipaa/understanding/consumers/noticepp.html. join a Medicare drug plan within 63 continuous your group health coverage.
Changes to the Terms of this Notice days after your current coverage ends, you
may pay a higher premium (a penalty) to join a It can also become available to other members
We can change the terms of this notice, and the Medicare drug plan later. of your family who are covered under the Plan
changes will apply to all information we have
about you. The new notice will be available upon If you go 63 continuous days or longer without when they would otherwise lose their group health
request, on our web site (if applicable), and we will creditable prescription drug coverage, your coverage. For additional information about your
mail a copy to you. monthly premium may go up by at least 1% of rights and obligations under the Plan and under
the Medicare base beneficiary premium per federal law, you should review the Plan’s Summary
Other Instructions for Notice month for every month that you did not have
• Effective April 1, 2023 that coverage. For example, if you go nineteen Plan Description or contact the Plan Administrator.
• For Privacy Inquiries, please contact: months without creditable coverage, your premium You may have other options available to you when
Benefits Manager, Human Resources may consistently be at least 19% higher than the you lose group health coverage. For example, you
Private Inquiries 2400 North Glenville Drive Medicare base beneficiary premium. You may have may be eligible to buy an individual plan through
Ste C150, Richardson, TX 75082 to pay this higher premium (a penalty) as long as
you have Medicare prescription drug coverage. In the Health Insurance Marketplace (www.healthcare.
• If you would like more information about this
Notice, please call 214-306-2100 addition, you may have to wait until the following gov). By enrolling in coverage through the
October to join. Marketplace, you may qualify for lower costs on
IMPORTANT NOTICE FROM INFOSYS LIMITED For More Information About This Notice Or Your your monthly premiums and lower out-of-pocket
ABOUT YOUR PRESCRIPTION DRUG COVERAGE Current Prescription Drug Coverage… costs. Additionally, you may qualify for a 30-day
AND MEDICARE (PLAN YEAR 2023–2024) Contact the person listed below for further special enrollment period for another group health
Please read this notice carefully and keep it information. NOTE: You’ll get this notice each year. plan for which you are eligible (such as a spouse’s
where you can find it. This notice has information You will also get it before the next period you can
join a Medicare drug plan, and if this coverage plan), even if that plan generally doesn’t accept
about your current prescription drug coverage late enrollees.
with Infosys Limited and about your options through Infosys Limited changes. You also may
under Medicare’s prescription drug coverage. request a copy of this notice at any time. What is COBRA Continuation Coverage?
This information can help you decide whether For More Information About Your Options Under COBRA continuation coverage is a continuation
or not you want to join a Medicare drug plan. If Medicare Prescription Drug Coverage…
you are considering joining, you should compare of Plan coverage when coverage would otherwise
More detailed information about Medicare plans
your current coverage, including which drugs are that offer prescription drug coverage is in the end because of a life event known as a “qualifying
covered at what cost, with the coverage and costs “Medicare & You” handbook. You’ll get a copy event.” Specific qualifying events are listed later
of the plans offering Medicare prescription drug of the handbook in the mail every year from in this notice. After a qualifying event, COBRA
coverage in your area. Information about where Medicare. You may also be contacted directly by continuation coverage must be offered to each
you can get help to make decisions about your Medicare drug plans.
prescription drug coverage is at the end of this person who is a “qualified beneficiary.” You,
For more information about Medicare prescription your spouse, and your dependent children could
notice. drug coverage:
There are two important things you need to know become qualified beneficiaries if coverage under
• Visit www.medicare.gov the Plan is lost because of the qualifying event.
about your current coverage and Medicare’s
prescription drug coverage: • Call your State Health Insurance Assistance Under the Plan, qualified beneficiaries who elect
Program (see the inside back cover of your copy
1. Medicare prescription drug coverage became of the “Medicare & You” handbook for their COBRA continuation coverage must pay for
available in 2006 to everyone with Medicare. telephone number) for personalized help COBRA continuation coverage.
You can get this coverage if you join a Medicare
Prescription Drug Plan or join a Medicare • Call 1-800-MEDICARE (1-800-633-4227). TTY If you are an employee, you will become a qualified
Advantage Plan (like an HMO or PPO) that users should call 1-877-486-2048. beneficiary if you lose your coverage under the
offers prescription drug coverage. All Medicare If you have limited income and resources, extra Plan because either one of the following qualifying
drug plans provide at least a standard level help paying for Medicare prescription drug events happens:
of coverage set by Medicare. Some plans may coverage is available. For information about this
also offer more coverage for a higher monthly extra help, visit Social Security on the web at •Your hours of employment are reduced, or
premium. www.socialsecurity.gov, or call them at • Your employment ends for any reason other than
2. Infosys Limited has determined that the 1-800-772-1213 (TTY 1-800-325-0778). your gross misconduct.
prescription drug coverage offered by the Remember: Keep this Creditable Coverage notice. If you are the spouse of an employee, you will
Basic Plan, Standard Plan and Plus Plan are, on If you decide to join one of the Medicare drug become a qualified beneficiary if you lose your
average for all plan participants, expected to pay plans, you may be required to provide a copy of coverage under the Plan because any of the
out as much as standard Medicare prescription this notice when you join to show whether or not
drug coverage pays and is therefore considered you have maintained creditable coverage and, following qualifying events happens:
Creditable Coverage. Because your existing therefore, whether or not you are required to pay a • Your spouse dies;
coverage is Creditable Coverage, you can keep higher premium (a penalty). • Your spouse’s hours of employment are reduced;
this coverage and not pay a higher premium (a Date: April 1, 2023 • Your spouse’s employment ends for any reason
penalty) if you later decide to join a Medicare other than his or her gross misconduct;
drug plan. Name of Entity/Sender: Infosys Limited
Contact--Position/Office: Benefits Manager, Human • Your spouse becomes entitled to Medicare
When Can You Join A Medicare Drug Plan?
Resources benefits (under Part A, Part B, or both); or
You can join a Medicare drug plan when you first
become eligible for Medicare and each year from Address: 2400 North Glenville Drive • You become divorced or legally separated from
October 15th to December 7th. Phone Number: 214-306-2100 your spouse.
However, if you lose your current creditable Your dependent children will become qualified
prescription drug coverage, through no fault of CONTINUATION COVERAGE RIGHTS UNDER COBRA beneficiaries if they lose coverage under the Plan
your own, you will also be eligible for a two (2) because any of the following qualifying events
month Special Enrollment Period (SEP) to join a Introduction happen:
Medicare drug plan. You are receiving this notice because you have • The parent-employee dies;
What Happens To Your Current Coverage If You recently become covered under a group health • The parent-employee’s hours of employment are
Decide to Join A Medicare Drug Plan? plan (the Plan). This notice contains important reduced;
If you decide to join a Medicare drug plan, your information about your right to COBRA
current Infosys Limited coverage will not be • The parent-employee’s employment ends for any
continuation coverage, which is a temporary reason other than his or her gross misconduct;
affected.
extension of coverage under the Plan. This notice • The parent-employee becomes entitled to
You can keep this coverage and it will coordinate
with Part D coverage. generally explains COBRA continuation coverage, Medicare benefits (Part A, Part B, or both);
If you do decide to join a Medicare drug plan and when it may become available to you and your • The parents become divorced or legally
drop your current Infosys Limited coverage, be family, and what you need to do to protect the separated; or
aware that you and your dependents will be able right to receive it. • The child stops being eligible for coverage under
to get this coverage back during open enrollment The right to COBRA continuation coverage was the plan as a “dependent child.”
or in the case of a special enrollment opportunity.
created by a federal law, the Consolidated Omnibus When is COBRA Coverage Available?
When Will You Pay A Higher Premium (Penalty) To
Join A Medicare Drug Plan? Budget Reconciliation Act of 1985 (COBRA). The Plan will offer COBRA continuation coverage
COBRA continuation coverage can become to qualified beneficiaries only after the Plan
You should also know that if you drop or lose your

Home 24 Contacts
Administrator has been notified that a qualifying employment or reduction of the employee’s hours If your family experiences another qualifying event
event has occurred. When the qualifying event of employment, COBRA continuation coverage while receiving 18 months of COBRA continuation
is the end of employment or reduction of hours generally lasts for only up to a total of 18 months. coverage, the spouse and dependent children in
of employment, death of the employee, or the There are two ways in which this 18-month period your family can get up to 18 additional months of
employee’s becoming entitled to Medicare benefits of COBRA continuation coverage can be extended. COBRA continuation coverage, for a maximum of
(under Part A, Part B, or both), the employer must Disability extension of 18-month period of 36 months, if notice of the second qualifying event
notify the Plan Administrator of the qualifying continuation coverage is properly given to the Plan. This extension may
event. be available to the spouse and any dependent
If you or anyone in your family covered under
You Must Give Notice of Some Qualifying Events children receiving continuation coverage if the
the Plan is determined by the Social Security
employee or former employee dies, becomes
For the other qualifying events (divorce or legal Administration to be disabled and you notify the
entitled to Medicare benefits (under Part A, Part B,
separation of the employee and spouse or a Plan Administrator in a timely fashion, you and
or both), or gets divorced or legally separated, or
dependent child’s losing eligibility for coverage your entire family may be entitled to receive up
if the dependent child stops being eligible under
as a dependent child), you must notify the Plan to an additional 11 months of COBRA continuation
the Plan as a dependent child, but only if the event
Administrator within 60 days after the qualifying coverage, for a total maximum of 29 months. The
would have caused the spouse or dependent
event occurs. You must provide this notice to: disability would have to have started at some
child to lose coverage under the Plan had the first
Infosys Human Resources or COBRA Administrator. time before the 60th day of COBRA continuation
qualifying event not occurred.
How is COBRA Coverage Provided? coverage and must last at least until the end of the
18-month period of continuation coverage. Other Coverage Options
Once the Plan Administrator receives notice that a
The disability extension is available only if you Instead of enrolling in COBRA continuation
qualifying event has occurred, COBRA continuation
notify the Plan Administrator in writing of the coverage, there may be other coverage options for
coverage will be offered to each of the qualified
Social Security Administration’s determination of you and your family through the Health Insurance
beneficiaries. Each qualified beneficiary will have
disability within 60 days after the latest of the date Marketplace, Medicaid, or other group health plan
an independent right to elect COBRA continuation
of the Social Security Administration’s disability coverage options (such as a spouse’s plan) through
coverage. Covered employees may elect COBRA
determination; the date of the covered employee’s what is called a “special enrollment period.”
continuation coverage on behalf of their spouses,
termination of employment or reduction in hours; Some of these options may cost less than COBRA
and parents may elect COBRA continuation
and the date on which the qualified beneficiary continuation coverage. You can learn more about
coverage on behalf of their children. Any qualified
loses (or would lose) coverage under the terms many of these options at www.healthcare.gov.
beneficiary who does not elect COBRA within the
60-day election period specified in the election of the Plan as a result of the covered employee’s If You Have Questions
notice will lose his or her right to elect COBRA. termination or reduction in hours. You must also Questions concerning your Plan or your COBRA
provide this notice within 18 months after the continuation coverage rights should be addressed
COBRA continuation coverage is a temporary
covered employee’s termination or reduction in to the contact or contacts identified below.
continuation of coverage that generally lasts for
hours in order to be entitled to this extension. You For more information about your rights under
18 months due to employment termination or
must provide the notice before the end of the first ERISA, including COBRA, the Health Insurance
reduction of hours of work. When the qualifying
18 months of COBRA coverage, and within 60 days Portability and Accountability Act (HIPAA), and
event is the death of the employee, the employee’s
of the later of: other laws affecting group health plans, contact
becoming entitled to Medicare benefits (under
Part A, Part B, or both), your divorce or legal • date of the employee’s termination of the nearest Regional or District Office of the U.S.
separation, or a dependent child’s losing eligibility employment or reduction of hours; Department of Labor’s Employee Benefits Security
as a dependent child, COBRA continuation • the date of the Social Security Administration's Administration (EBSA) in your area or visit the
coverage lasts for up to a total of 36 months. When disability determination; and EBSA website at www.dol.gov/ebsa. (Addresses
the qualifying event is the end of employment or • the date on which the Qualified Beneficiary loses and phone numbers of Regional and District EBSA
reduction of the employee’s hours of employment, (or would lose) coverage under the terms of Offices are available through EBSA’s website.)
and the employee became entitled to Medicare the Plan as a result of the covered employee's Keep Your Plan Informed of Address Changes
benefits less than 18 months before the qualifying termination of employment or reduction of hours.
In order to protect your family’s rights, you should
event, COBRA continuation coverage for qualified You MUST follow the “Notice Procedures” indicated
keep the Plan Administrator informed of any
beneficiaries other than the employee lasts until 36 at the end of your COBRA Election Notice. If
changes in the addresses of family members. You
months after the date of Medicare entitlement. For these Notice Procedures are not followed, and if
should also keep a copy, for your records, of any
example, if a covered employee becomes entitled Notice is not provided to Infosys or the COBRA
notices you send to the Plan Administrator.
to Medicare 8 months before the date on which Administrator (bswift) during the 60-day notice
period and within 18 months after the covered Plan Contact Information
his employment terminates, COBRA continuation
coverage for his spouse and children can last up to employee’s termination of employment or For further information regarding the plan and
36 months after the date of Medicare entitlement, reduction of hours, THEN THERE WILL BE NO COBRA continuation, please contact:
which is equal to 28 months after the date of the DISABILITY EXTENSION OF COBRA COVERAGE. Infosys Benefits Supervisor
qualifying event (36 months minus 8 months). Second qualifying event extension of 18-month 2400 North Glenville Drive, Ste C150,
Otherwise, when the qualifying event is the end of period of continuation coverage Richardson, TX 75082 | 214-306-2100

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

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

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

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

If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states
is current as of January 31, 2023. Contact your State for more information on eligibility –

Home 25 Contacts
ALABAMA – Medicaid Phone: 1-877-524-4718 OREGON – Medicaid
Website: http://myalhipp.com/ Kentucky Medicaid Website: https://chfs.ky.gov Website: http://www.healthcare.oregon.gov/Pages/
Phone: 1-855-692-5447 index.aspx
LOUISIANA – Medicaid http://www.oregonhealthcare.gov/index-es.html
ALASKA – Medicaid Website: www.medicaid.la.gov or Phone: 1-800-699-9075
The AK Health Insurance Premium Payment www.ldh.la.gov/lahipp
Program Phone: 1-888-342-6207 (Medicaid hotline) or PENNSYLVANIA – Medicaid
Website: http://myakhipp.com/ 1-855-618-5488 (LaHIPP) Website: https://www.dhs.pa.gov/Services/
Phone: 1-866-251-4861 Assistance/Pages/HIPPProgram.aspx
Email: CustomerService@MyAKHIPP.com MAINE – Medicaid Phone: 1-800-692-7462
Medicaid Eligibility: http://dhss.alaska.gov/dpa/ Enrollment Website: CHIP Website: https://www.dhs.pa.gov/CHIP/Pages/
Pages/medicaid/default.aspx https://www.mymaineconnection.gov/benefits/ CHIP.aspx
s/?language=en_US CHIP Phone: 1-800-986-KIDS (5437)
ARKANSAS – Medicaid Phone: 1-800-442-6003
Website: http://myarhipp.com/ TTY: Maine relay 711 RHODE ISLAND – Medicaid and CHIP
Phone: 1-855-MyARHIPP (855-692-7447) Private Health Insurance Premium Webpage: Website: https://www.eohhs.ri.gov/
https://www.maine.gov/dhhs/ofi/applications-forms Phone: 1-855-697-4347, or 401-462-0311 (Direct RIte
CALIFORNIA Phone: 1-800-977-6740 Share Line)
Website: Health Insurance Premium Payment TTY: Maine relay 711
(HIPP) Program http://dhcs.ca.gov/hipp SOUTH CAROLINA – Medicaid
Phone: 916-445-8322 MASSACHUSETTS – Medicaid and CHIP Website: https://www.scdhhs.gov
Fax: 916-440-5676 Website: https://www.mass.gov/masshealth/pa Phone: 1-888-549-0820
Email: hipp@dhcs.ca.gov Phone: 1-800-862-4840
TTY: (617) 886-8102 SOUTH DAKOTA - Medicaid
COLORADO – Health First Colorado (Colorado’s Website: http://dss.sd.gov
Medicaid Program) & Child Health Plan Plus MINNESOTA – Medicaid Phone: 1-888-828-0059
(CHP+) Website: https://mn.gov/dhs/people-we-serve/
Health First Colorado Website: children-and-families/health-care/health-care- TEXAS – Medicaid
https://www.healthfirstcolorado.com/ programs/programs-and-services/other-insurance.jsp Website: http://gethipptexas.com/
Health First Colorado Member Contact Center: Phone: 1-800-657-3739 Phone: 1-800-440-0493
1-800-221-3943/ State Relay 711
CHP+: https://www.colorado.gov/pacific/hcpf/child- MISSOURI – Medicaid UTAH – Medicaid and CHIP
healthplan-plus Website: http://www.dss.mo.gov/mhd/participants/ Medicaid Website: https://medicaid.utah.gov/
CHP+ Customer Service: 1-800-359-1991/ State pages/hipp.htm CHIP Website: http://health.utah.gov/chip
Relay 711 Phone: 573-751-2005 Phone: 1-877-543-7669
Health Insurance Buy-In Program (HIBI):
https://www.mycohibi.com/ MONTANA – Medicaid VERMONT– Medicaid
HIBI Customer Service: 1-855-692-6442 Website: http://dphhs.mt.gov/ Website: https://dvha.vermont.gov/members/
MontanaHealthcarePrograms/HIPP medicaid/hipp-program
FLORIDA – Medicaid Phone: 1-800-694-3084 Phone: 1-800-250-8427
Website: https://www.flmedicaidtplrecovery.com/ Email: HHSHIPPProgram@mt.gov
flmedicaidtplrecovery.com/hipp/index.html VIRGINIA – Medicaid and CHIP
Phone: 1-877-357-3268 NEBRASKA – Medicaid Website: https://www.coverva.org/en/famis-select
Website: http://www.ACCESSNebraska.ne.gov https://www.coverva.org/en/hipp
GEORGIA – Medicaid Phone: 1-855-632-7633 Medicaid/CHIP Phone: 1-800-432-5924
GA HIPP Website: https://medicaid.georgia.gov/ Lincoln: 402-473-7000
healthinsurance-premium-payment-program-hipp Omaha: 402-595-1178 WASHINGTON – Medicaid
Phone: 678-564-1162, Press 1 Website: https://www.hca.wa.gov/
GA CHIPRA Website: NEVADA – Medicaid Phone: 1-800-562-3022
https://medicaid.georgia.gov/programs/third- Medicaid Website: http://www.dhcfp.nv.gov
partyliability/childrens-health-insurance-program- Medicaid Phone: 1-800-992-0900 WEST VIRGINIA-Medicaid and CHIP
reauthorizationact-2009-chipra Website: https://dhhr.wv.gov/bms/
Phone: (678) 564-1162, Press 2 NEW HAMPSHIRE – Medicaid http://mywvhipp.com/
Website: https://www.dhhs.nh.gov/programsservices/ Medicaid Phone: 304-558-1700
INDIANA – Medicaid medicaid/health-insurance-premium-program CHIP Toll-free phone: 1-855-MyWVHIPP (1-855-699-
Healthy Indiana Plan for low-income adults 19-64 Phone: 603-271-5218 8447)
Website: http://www.in.gov/fssa/hip/ Toll free number for the HIPP program: 1-800-852-
Phone: 1-877-438-4479 3345, ext. 5218 WISCONSIN – Medicaid and CHIP
All other Medicaid Website: https://www.dhs.wisconsin.gov/
Website: https://www.in.gov/medicaid/ NEW JERSEY – Medicaid and CHIP badgercareplus/p-10095.htm
Phone: 1-800-457-4584 Medicaid Website: Phone: 1-800-362-3002
https://www.state.nj.us/humanservices/dmahs/
IOWA – Medicaid and CHIP (Hawki) clients/medicaid/ WYOMING – Medicaid
Medicaid Website: https://dhs.iowa.gov/ime/ Medicaid Phone: 609-631-2392 Website: https://health.wyo.gov/healthcarefin/
members CHIP Website: http://www.njfamilycare.org/index.html medicaid/programs-and-eligibility/
Medicaid Phone: 1-800-338-8366 CHIP Phone: 1-800-701-0710 Phone: 1-800-251-1269
Hawki Website: http://dhs.iowa.gov/Hawki
Hawki Phone: 1-800-257-8563 NEW YORK – Medicaid
HIPP Website: https://dhs.iowa.gov/ime/members/ Website: https://www.health.ny.gov/health_care/ To see if any other states have added a premium
medicaid-a-to-z/hipp medicaid/ assistance program since January 31, 2023, or
HIPP Phone: 1-888-346-9562 Phone: 1-800-541-2831 for more information on special enrollment rights,
contact either:
KANSAS – Medicaid NORTH CAROLINA – Medicaid
Website: https://www.kancare.ks.gov/ Website: https://medicaid.ncdhhs.gov/ U.S. Department of Labor
Phone: 1-800-792-4884 Phone: 919-855-4100 Employee Benefits Security Administration
HIPP Phone: 1-800-766-9012 www.dol.gov/agencies/ebsa
NORTH DAKOTA – Medicaid 1-866-444-EBSA (3272)
KENTUCKY – Medicaid Website: http://www.nd.gov/dhs/services/
Kentucky Integrated Health Insurance Premium medicalserv/medicaid/ U.S. Department of Health and Human Services
Payment Program (KI-HIPP) Website: Phone: 1-844-854-4825 Centers for Medicare & Medicaid Services
https://chfs.ky.gov/agencies/dms/member/Pages/kihipp.aspx www.cms.hhs.gov
Phone: 1-855-459-6328 OKLAHOMA – Medicaid and CHIP 1-877-267-2323, Menu Option 4, Ext. 61565
Email: KIHIPP.PROGRAM@ky.gov Website: http://www.insureoklahoma.org
KCHIP Website:https://kidshealth.ky.gov/Pages/index.aspx Phone: 1-888-365-3742

Home 26 Contacts
 Important Contacts

BENEFIT CARRIER/VENDOR GROUP NUMBER CONTACT INFORMATION

1-888-219-9153
Medical and Prescription Aetna 883499 www.aetna.com
1-888-219-9153
Concierge Health Services Aetna 883499 www.aetna.com
1-855-346-7095
Aetna One Flex Aetna 883499 www.aetna.com
1-800-272-3531
Aetna Maternity Program Aetna 883499 www.aetna.com
1-888-219-9153
Aetna Discount Program Aetna 883499 www.aetna.com
1-855-835-2362
Teladoc Teladoc www.teladoc.com/aetna
Critical Illness, Accident, and 1-866-709-3877
Allstate Benefits 96246
Hospital Indemnity https://mybenefits.allstate.com
1-877-238-6200
Dental Aetna 883499 www.aetna.com
1-800-877-7195
Vision VSP 30020863 www.vsp.com
Employee Assistance Program Aetna/Resources Username: Infosys 1-888-238-6232
(EAP) for Living Password: EAP www.resourcesforliving.com
1-888-678-8242
Health Savings Account (HSA) PayFlex www.payflex.com
Health Care and Dependent
1-888-678-8242
Care Flexible Spending PayFlex www.payflex.com
Accounts (FSAs)
1-888-678-8242
Commuter Benefits PayFlex www.payflex.com

Life and AD&D The Hartford 805982 1-888-563-1124

Disability and FMLA The Hartford 805982 1-888-301-5615

1-800-835-5095
401(k) Program Fidelity 28964 or 22850 www.netbenefits.com
1-800-438-6388
Pet Insurance MetLife https://quote.metlifepetinsurance.com
Discount Code: 1-800-438-6381
Auto and Home Insurance Farmers GroupSelect
A3G https://myautohome.farmers.com
Access Code: 1-800-247-4184
Legal Insurance ARAG
18383inf www.ARAGlegal.com/myinfo

NOTE: This statement is intended to summarize the benefits you receive from Infosys. The actual determination of your benefits is based solely on the plan documents
provided by the carrier of each plan. This summary is not legally binding, is not a contract, and does not alter any original plan documents. For additional information,
please contact the Human Resources department.

Home 27 Contacts