Your Wealth

• Make contributions. In 2026, the limits on total contributions to your account are:
  • Up to $4,400 for single coverage.
  • Up to $8,750 for all other coverage levels.
  • If you are age 55 or older (or turn age 55 in 2026), you may contribute an additional $1,000 (also known as “catch-up contributions”).

Note: HSA contribution limits are subject to change annually as determined by the IRS.

• Never pay taxes. Contributions are made from your paycheck on a pretax basis, and the money will never be taxed when used for qualified health care expenses.
• It’s your money. Unused money can be carried over each year and invested for the future—with the potential to gain interest or earnings tax-free. You can even take it with you if you leave ADA or retire.

Note: The ADA pays the monthly administrative fee for your HSA. If your coverage status or employment status changes, you will be responsible for all HSA account holder fees.

You can open and contribute to an HSA if:

• You are not enrolled in any other non-HSA qualified health insurance plan.
• You are not covered by your spouse’s health plan (unless it is a qualified HDHP), Flexible Spending Account (FSA) or Health Reimbursement Arrangement (HRA).
• You are not eligible to be claimed as a dependent on someone else’s tax return.
• You are not enrolled in Medicare, TRICARE or TRICARE For Life.
• Care received through the VA in the preceding three calendar months was dental, vision or preventive care, or was provided to a veteran who has a disability rating from the VA.

• You are ineligible to participate in the Health Care FSA if you elect the CDHP with HSA Plan.
• You have access to the entire amount of money you set aside for the plan year on the first day of the plan.
• You will receive a debit card that can be used at your doctor’s office or pharmacy for qualified expenses at the point of sale, or pay out-of-pocket and submit a claim form for reimbursement.
• The maximum amount you can contribute in 2026 is $3,400.

• If you are enrolled in the CDHP with HSA Plan, you can enroll in the Limited-Purpose FSA.
• Supplement your HSA savings with a Limited Purpose FSA to pay for eligible dental and vision care expenses.
• Once you meet your medical plan’s deductible, you can also use your Limited Purpose FSA for eligible medical expenses.
• The maximum amount you can contribute in 2026 is $3,400.

• Use pre-tax income for dependent care for children up to age 13 or adult dependents who are being cared for while you or your spouse are working or seeking employment.
• Eligible dependents could also include a spouse or other IRS dependent who is mentally or physically disabled.
• Eligible expenses include daycare and at-home elder care services. Ineligible expenses include tuition for kindergarten or private schools, sports camps or overnight camps.
• The maximum amount you can contribute in 2026 is $7,500.

Short-Term Disability replaces a portion of your income when you are unable to work due to illness, injury, or maternity. The cost of the coverage is paid by ADA. STD will pay you 60% of your salary, to a maximum of $1,000 per week. Benefits begin on the 8th day of disability and are payable for up to 13 weeks.

Long Term Disability provides a percentage of your income for a disability that lasts more than 90 days and continues until you recover, are able to replace your income in a similar or other occupation or reach Social Security Normal Retirement Age (SSNRA). The ADA pays for your Core Long-Term Disability benefit.

Supplemental Long-Term Disability coverage is paid for by you and can be purchased to cover a greater percentage of your income.

You have the choice of paying for supplemental LTD coverage on a pretax or after-tax basis. If you pay with pretax deductions, any benefits paid if you become disabled will be taxable income. If you pay with after-tax deductions, any benefits paid will NOT be taxable to you.

• Core LTD pays 50% of your monthly base salary to a maximum benefit of $5,000 per month. ADA pays the premium for this coverage. Any benefits paid are taxable.
• Buy-Up LTD pays 66.7% of your monthly base salary up to a maximum benefit of $12,000 per month. You may choose whether to pay premiums on a pretax or post-tax basis.

• Eligibility: You are auto-enrolled in the 403(b) plan approximately 30 days after hire date.
• Contributions: You are auto-enrolled at 4% through payroll deductions.
• Employer Match: The ADA matches up to 4% of your contributions per pay period. You will be eligible for the employer match on the 1st of the month following one year of service.
• Vesting: Employees will be subject to a three-year cliff vesting schedule, which means you must be actively employed on your three-year anniversary to be 100% vested in the employer match.

For 2026, the most you can contribute to the 403(b) is $23,500.

There’s a wide range of investment options available to help you meet your retirement goals through Fidelity Investments. You can select a mix of investment options that best suits your goals, time horizon and risk tolerance. The investment options available through the plan include conservative, moderately conservative and aggressive funds. Making changes to your investment mix is easily accomplished by logging in to Fidelity’s website at netbenefits.com/atwork or by calling a Fidelity representative at 1-800-343-0860.

Withdrawals from the plan are generally permitted when you terminate your employment, become permanently disabled, retire, experience financial hardship as defined by the plan or reach age 59 1/2.