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Emeriti® Program, selecting the investment manager for employer and voluntary employee contributions, and providing these and other impersonal educational materials to plan participants. Emeriti does not provide advice to participants about their individual investment selections. The participation interests in the voluntary employee contribution VEBA trusts associated with the Emeriti plans (the “Interests”) may be treated as securities under various state securities laws. The offering of these Interests is subject to compliance with any applicable state law. For residents of Georgia, the Interests are being offered in reliance on paragraph 13 of Code Section 10-5-9 of the Georgia Securities Act of 1973, as amended (the “Georgia Act”). The Interests may not be sold or transferred except in a transaction which is exempt under the Georgia Act or pursuant to an effective registration under the Georgia Act. For residents of California, the Interests are being offered in reliance on section 25102(a) of the California Securities Act of 1968, as amended (the “California Act”). The Interests have not been qualified with the Commissioner of Corporations of the state of California and the issuance of the Interests or the payment or receipt of any consideration therefore prior to their qualification is unlawful, unless any of the exemptions in sections 25100, 25102 or 25105 of the California Act applies. The rights of all parties in respect to the Interests is expressly conditioned on the qualification being obtained, unless one of the above-mentioned exemptions. It is your responsibility to select and monitor your investments to make sure they continue to reflect your financial situation, risk tolerance and time horizon. Most investment professionals suggest that you reexamine your investment strategy at least annually or when your situation changes. In addition, you may want to consult an investment adviser regarding your specific situation.

This website is intended to provide you with a summary of some of the details of your employer's Emeriti Plan and the Emeriti Program generally. It is not a summary plan description ("SPD") and does not summarize all the terms of your employer's Emeriti Plan. For a full summary of the terms of your employer's Emeriti Plan, you must consult the SPD, which will be provided to you by your employer upon enrollment or upon request.

The full name of Emeriti Retirement Health Solutions is The Emeriti Consortium for Retirement Health Solutions, an Illinois Not-for Profit Corporation.

Emeriti Retirement Health Solutions, Aetna Life Insurance Company, and Fidelity Investments are independent organizations and are not legally affiliated.

Aetna Information

This material is for informational purposes only and is neither an offer of coverage nor medical advice. It contains only a partial, general description of plan benefits or programs and does not constitute a contract. Aetna arranges for the provision of health care services. However, Aetna itself is not a provider of health care services, and therefore, cannot guarantee any results or outcomes. The availability of a plan or program may vary by geographic service area and by plan design. These plans contain exclusions and some benefits are subject to limitations or visit maximums. Consult the plan documents to determine governing contractual provisions, including procedures, exclusions and limitations relating to each plan. While this material is believed to be accurate as of the print date, it is subject to change.
Many drugs are subject to rebate arrangements between Aetna and the manufacturer of the drugs. Aetna receives rebates from the manufacturer of many drugs. These rebates do not reduce the amount you pay for an individual prescription drug. However, they help control the overall costs of prescription drug coverage.

You can find out more about the terms and limitations of your plan by reading your plan documents. You can also contact Aetna Member Services.

Fidelity Investments Information

Unless otherwise noted, transaction requests confirmed after the close of the market, normally 4 p.m. ET, or on weekends or holidays, will receive the next available closing prices.

Strategic Advisers, Inc., a subsidiary of FMR Corp., manages the Fidelity Freedom Funds.
The investment options available through the plan reserve the right to modify or withdraw the exchange privilege.
It is your responsibility to select and monitor your investments to make sure they continue to reflect your financial situation, risk tolerance and time horizon. Most investment professionals suggest that you reexamine your investment strategy at least annually or when your situation changes. In addition, you may want to consult an investment adviser regarding your specific situation.

Fidelity Guaranteed Income Annuity (Policy Form No. GIA-2001, et al.) is issued by Fidelity Investments Life Insurance Company. Fidelity Insurance Agency, Inc. is the distributor.

Neither diversification nor asset allocation ensures a profit or guarantees against a loss in a declining market.
Recordkeeping and shareholder services for the Emeriti Program are provided by Fidelity Investments Tax-Exempt Services Company, a division of Fidelity Investments Institutional Services Company, Inc., 82 Devonshire Street Boston, MA 02109.

Before investing in any mutual fund, please carefully consider the investment objectives, risks, charges and expenses. For this and other information, call or write Fidelity for a free prospectus. Read it carefully before you invest.

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emeriti

CONTACT US BY EMAIL

Emeriti Retirement Health Solutions
103 Executive Drive, Suite 503
New Windsor, New York 12553

For institutions:
phone, toll-free: (866) 685-6565

For participants:
phone, toll-free:
1-866-EMERITI (1-866-363-7484)
from 8am to 8pm (ET)

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