2 0 1 2 B E N E F I T S G U I D E - US Xpress

2 XpressBenef itsMedical CoverageMedical coverage is provided throughBlueCross BlueShield of Tennesseeand you will have the option to selecta plan that best meets your needs.Whichever plan you choose, you willhave access to BlueCross BlueShield’sextensive national network of doctorsand hospitals. You will also have accessto the BCBS web portal which will providevaluable tools such as electronic explanationof benefits, cost comparison tools,participating provider information, andmuch more.Plan BenefitsMedical coverage is importantbecause it gives you access to healthcare and protects you financially fromthe high costs of a serious illness orinjury. Both of our plans feature:• An extensive national networkof doctors, hospitals and otherproviders to help ensure you canget cost-effective, in-network carewhen you need it, wherever you are.• Plan benefits that pay the majorityof the cost of care. You typicallyshare costs through copays,deductibles, and coinsurance –but the amount you pay is usuallyonly a fraction of the overall costs.• An annual out-of-pocket maximumlimits the amount you pay forcovered services in any year. If yourshare of costs reaches the maximum,then the plan will pay 100% of coveredexpenses for the rest of the year.Which Plan DoYou Need?Not sure which option is the best foryou? Consider the following whenmaking your enrollment decision:1. How much is the weekly costfor coverage?2. What are your health care needsduring a typical year?3. If you have a serious illness or injury,what out-of-pocket maximum canyou afford?Just remember, after you enroll, youcannot change plans until the nextannual enrollment, unless you have aqualifying life event. So, be sure tochoose the option that best meetsyour needs and budget!Changing BenefitsBecause the cost of major medical,dental and vision benefits are nottaxed, the Internal Revenue Service(IRS) requires U.S. Xpress to followcertain rules in administering theseplans.After you elect benefits, you cannotmake any changes until the nextannual enrollment period. The onlyother time that you are permitted toenroll or change your benefitselections is within 30 days of aqualifying life event. Qualifying lifeevents include:• Change in marital status (marriageor divorce)• Change in employment status(full-time to part-time or vice versa)• Death, birth or adoption• Changes in your numberof dependents• Change in your spouse’s healthcare coverageYou have only 30 days to notify theBenefits Department after a qualifyinglife event to change your coverage. Ifyou wait more than 30 days, you willnot be able to make any changes untilthe next annual enrollment period.Prescription DrugsPrescription drug benefits are includedwith your medical coverage throughMedco Health Solutions, a leadingpharmacy benefits manager. Medcoprovides U.S. Xpress with a number ofbenefits, including:• More than 60,000 participating retailpharmacies nationwide;• The nation’s largest mail-orderpharmacy operations; and• Consistently high membersatisfaction rankings.The Medco formulary (preferreddrug list) is available at all majorService Centers and can beaccessed on the HR Web site.Medco’s mail-order program lets yousave money on a 90-day supply ofmedication you take on a regularbasis – with the convenience ofhome delivery.Medco’s 90-day retail network alsolets you obtain a 90-day prescriptionin a single visit. More than 50,000pharmacies participate, includingCVS, Walgreens and Wal-Mart.If you are interested in utilizing theRetail 90-Day Prescription or the MailOrder 90-Day Prescription option,please be sure to request a 90-dayprescription from your doctor beforeyou visit the pharmacy or send yourprescription in to the Mail Order Center.

XpressBenef its 3Employee PremiumsNationally, health care costs continue to rise due to many factors influencing the systemtoday. USX values you as an employee, our most important asset, and understandsthe importance of providing affordable coverage. That’s why USX pays the majority ofthe premium cost of your coverage. The payroll deductions seen on your paycheck areonly a fraction of the total cost of your benefits.Spousal PremiumsIn an effort to control the health insurance costs for all employees, we are askingfor your spouse to elect medical insurance through his/her employer if medicalinsurance is available. If you would still like to cover your spouse under U.S. Xpress, youmay do so by paying an additional spousal premium of $20 per week. You must alsosubmit an eligibility verification form stating whether or not your spouse is eligible formedical benefits through their employer or is not currently employed. Falsification ofthe eligibility verification form will result in coverage for your spouse being rescindedand may result in any incurred and unpaid medical claims being denied.Spousal Premium Q&A:Do I have to pay a Spousal Premium......if my spouse does not work?• No, the spousal premium will not apply....if my spouse is self-employed and does nothave insurance?• No....if my spouse works but does not have anopportunity for Insurance?• No....if my spouse works and does have anopportunity for Insurance but is not enrolled inhis/her company’s plan?• Yes, if your spouse has access to an employersponsoredhealth insurance plan, the spousalpremium applies....if my spouse and I both work for U.S. Xpress?• No, the spousal premium only applies to aspouse who works outside of U.S. Xpress andhas access to health insurance. Since you cannotbe double covered under the U.S. Xpress HealthPlan, please review your options and select theoption that will work best for you and your family....if my spouse is enrolled in their employers’health plan and is also enrolled in the U.S. Xpressplan for secondary coverage?• Yes, you will have to pay the $20 premium.How are the Spousal Premiums deducted?• Spousal premiums are a pre-tax payrolldeduction of $20 per week above thecontribution rate.Will my spouse’s employer let him/hergo on their employer’s insurance in themiddle of a plan year?• Generally, yes. Your spouse’s loss of coveragethrough the U.S. Xpress Plan will constitute aqualified Life Event change. Your spouse mustrequest coverage through their employer within30 days.If my spouse can get employee coverageafter a waiting period, can I keep him/heron our plan until the effective datewithout paying the Spousal Premium?• Yes, provided you remove him/her from the U.S.Xpress health plan as soon as their plan goes intoeffect. You must notify the Benefits Departmentwithin 30 days of your spouse’s effective date ofnew coverage.If my spouse leaves the U.S. Xpress Plan,can my children (including my stepchildren) stay on the U.S. Xpress Plan?• Yes.

6 XpressBenef itsVision CoverageVSP is a single vision plan that offers you the savings of VSP’s nationwide network as well as the flexibility to be reimbursed forservices rendered at any eye care provider. With VSP’s Open Access plan, you can be reimbursed for exams, frames, and lenses atANY out of network provider up to the maximum reimbursement amounts listed below. For more information or to speak with a VSPrepresentative, call (800) 877-7195.After you enroll, watch for VSP ID cards to be sent to your home address on record.Vision CoverageWhen visiting a VSP network doctor, you’ll receive:• Exam . . . . . . . . . . . . . . . . . . . . . . . . . . . . every 12 months• Lenses . . . . . . . . . . . . . . . . . . . . . . . . . . . every 12 monthsSingle vision, lined bifocal, lined trifocal lenses, lenticular, andprogressive.• Frames. . . . . . . . . . . . . . . . . . . . . . . . . . . every 24 monthsFrame of your choice covered up to $170. Plus, 20% off anyout-of-pocket costs.— OR —• Contacts. . . . . . . . . . . . . . . . . . . . . . . . . . every 12 monthsWhen you choose contacts instead of glasses, your $150allowance applies to the cost of your lenses and the fittingand evaluation exam. This exam is in addition to your visionexam to ensure proper fit of contacts.EXTRA DISCOUNTS AND SAVINGS• Laser Vision Correction Discounts• Prescription GlassesUp to 20% savings on lens extras such as scratch resistant andanti-reflective coatings and progressives.20% off additional prescription glasses and sunglasses.• Contacts15% off cost of contact lens exam (fitting and evaluation).Available from the same VSP doctor who provided your eye examwithin the last 12 months.YOUR COPAYS• Exam . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10• Prescription Glasses . . . . . . . . . . . . . . . . . . . . . . . . . . . $20• Contacts . . . . . . . . . . . . . . . . . . . . . . . . . No copay appliesOpen Access Reimbursement Amounts:Exams . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Up to $65LensesSingle Vision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Up to $51Bifocal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Up to $76Trifocal. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Up to $104Lenticular . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Up to $146Progressive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Up to $186Frame . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Up to $88Contact Lenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Up to $125VSP’s New Open AccessOut of Network BenefitUse your benefit at any eyecare location.• Use your benefit anywhere.• From malls and community settings to retail andmedical settings choose the location that’s best foryour circumstances.Choose any brand of glasses or contact lenses.• From affordable and high-end eyewear to popularframe brands, you can select the eyewear that’s justright for you• You are never limited to specific store brands oron-hand stock.With VSP Open Access, you havereimbursement choices.• You can pay the open access provider directly andsubmit to VSP for reimbursement, up to the openaccess schedule.• You can also ask the open access providers to submitfor reimbursement on your behalf. You won’t need topay your entire bill up front and will only be responsiblefor paying applicable copays and any balance abovethe open access schedule.Weekly Premiums – Vision PlanLEVEL OF COVERAGEEmployee OnlyEmployee + 1FamilyRATE$1.51$2.29$3.98

8 XpressBenef itsLong-Term Disability CoverageIf you are unable to work for an extended period of time due to an illness or injury, long-term disability (LTD) coveragethrough Reliance Standard can provide you with a source of income when you need it most.You can purchase LTD coverage that will provide a weekly benefit of $200 to $450 (maximum of up to 60% of your basesalary). Upon approval of your claim, the actual benefit amount paid will be the lesser of your elected weekly benefit or60% of your average gross pay for the immediate twelve weeks prior to the date of disability. It is your responsibility tochoose the correct coverage amount and not over-elect disability coverage. Benefits begin on the 91st day you have beenunable to work, due to an occupational or non-occupational accident or sickness, and can continue for up to two years.If you are eligible to receive benefits from Social Security, Disability (state or federal) and/or Workers’ Compensation, yourLTD benefits will be reduced by that amount. Coverage is subject to a pre-existing condition exclusion up to 12 months.Weekly Cost Per Benefit Level for LTDAGE29 and Under30-3435-3940-4445-4950-5455 and Over$200 $250 $300 $350 $400 $450$1.06 $1.33 $1.60 $1.86 $2.13 $2.40$1.63 $2.04 $2.45 $2.85 $3.26 $3.67$2.50 $3.12 $3.75 $4.37 $5.00 $5.62$3.63 $4.54 $5.45 $6.35 $7.26 $8.17$5.33 $6.67 $8.00 $9.33 $10.67 $12.00$7.63 $9.54 $11.45 $13.36 $15.27 $17.17$8.67 $10.84 $13.00 $15.17 $17.34 $19.50If you are currently enrolled in LTD coverage, you can increase your coverage one level (i.e., $300 to $350 per week) during annual enrollmentwithout completing an Evidence of Insurability (EOI) form. If you were previously eligible and are now applying for initial coverage,you will be required to submit Evidence of Insurability (EOI). If you have coverage and want to increase, any increase over one $50 incrementwill require EOI. If the EOI is declined, you will still receive the increase in coverage equal to one $50 increment, if you are not already at themaximum election.If no EOI is required, increases in coverage will take effect on the first of the month following the election. If EOI is required, the increasein coverage will take effect on the first of the month coincident with or following the date the EOI has been approved. If you are not atwork on the day the coverage is to take effect for any other reason than an approved vacation, the coverage will take effect on the firstday you return to work.

XpressBenef its 9Company-Paid Life InsuranceU.S. Xpress provides a Company-paid life insurance benefit of $10,000 to all eligiblefull-time employees beginning the first month following a 90-day waiting period.Voluntary Term Life and AD&D InsuranceVoluntary employee term life insurance may be purchased through RelianceStandard in $10,000 increments (up to five times your salary with a maximum of$200,000).Voluntary employee accidental death and dismemberment (AD&D) insurancefollows the same rules as term life insurance (i.e., the minimum and maximumbenefits are the same; purchase in increments of $10,000). The monthly cost forAD&D insurance is $0.05 per $1,000 of coverage.Voluntary Term Life Insurance Rates (Based on the employee’s age as of January 1, 2012)WEEKLY COST PER $10,000 IN COVERAGEAge29 and Under30-3435-3940-4445-4950-5455-5960-6465-6970-7475+Life Rates.2093.2326.2791.4419.74421.23261.90702.97675.34888.581413.5581If you are currently participating, you may increase your coverage during annual enrollment byone times your base salary without completing an Evidence of Insurability (EOI) form. If you werepreviously eligible and are now applying for initial coverage, you will be required to submit EOI.If you have coverage and want to increase, any coverage amount over 1x earnings, rounded tothe nearest $10,000 will require EOI. If the EOI is declined, you will still receive the increase incoverage equal to 1x earnings, rounded to the nearest $10,000.If no EOI is required, increases in coverage will take effect on the first of the month followingthe election. If EOI is required, the increase in coverage will take effect on the first of the monthcoincident with or following the date the EOI has been approved. If you are not at work on theday the coverage is to take effect for any other reason than an approved vacation, the coveragewill take effect on the first day you return to work.EOI forms can be obtained by calling the Benefits Department at (800) 670-1915 or by email atbenefits@usxpress.com, from any of the major Service Centers, or on the HR Web site. Coveragewill not be effective until approved by Reliance Standard. The EOI form must be completed andsubmitted to Reliance Standard prior to December 1.The Amount of Basic and Supplemental Life Insurance will be reduced to 65% of the pre-age 65amount at age 65 and shall be further reduced to 50% of the pre-age 65 amount at age 70 andterminates at retirement.The Spouse amount of insurance will reduce in the same manner as your amount of insuranceupon your attainment of reducing ages, and terminates at your retirement.Spouse Life andAD&D InsuranceVoluntary term life and AD&Dinsurance covering your spousemay be purchased through RelianceStandard in $5,000 increments.You cannot buy more coverage foryour spouse than you buy for yourself.Rates for spouse life and AD&Dcoverage are based on theemployee’s age as of January 1, 2012.Coverage rates for your spouse arethe same as the rates for youremployee life and AD&D insurance.If you are currently participating, you mayincrease your coverage during annual enrollmentup to the guaranteed issue amount of $50,000 –or one times your base salary if below $50,000 –without completing an Evidence of Insurability(EOI) form. For any elections over the guaranteedissue amount, an EOI will be required.If you are not currently participating and electvoluntary life insurance for you or your spouseduring annual enrollment, you will be requiredto complete an EOI form.EOI forms can be obtained by calling the BenefitsDepartment at (800) 670-1915 or by email atbenefits@usxpress.com, from any of the majorService Centers or on the HR Web site. Coveragewill not be effective until approved by RelianceStandard. The EOI form must be completedand submitted to Reliance Standard prior toDecember 1.Should you leave employment withU.S. Xpress, you have 31 days tocontact the Benefits Departmentto fill out and submit an applicationto port and/or convert yourSupplementary Life Insurance plans.

10 XpressBenef itsThis group health plan believesit is a “grandfathered health plan”under the Patient Protection andAffordable Care Act (the AffordableCare Act). As permittedby the Affordable Care Act, agrandfathered health plan canpreserve certain basic healthcoverage that was already in effectwhen that law was enacted.Being a grandfathered healthplan means that your plan maynot include certain consumerprotections of the AffordableCare Act that apply to otherplans; for example, therequirement for the provisionof preventive health serviceswithout any cost sharing.However, grandfathered healthplans must comply with certainother consumer protectionsin the Affordable Care Act; forexample, the elimination oflifetime limits on benefits.Questions regarding whichprotections apply and whichprotections do not apply to agrandfathered health plan andwhat might cause a plan tochange from grandfatheredhealth plan status can bedirected to the plan administratorat (800) 670-1915. You mayalso contact the EmployeeBenefits Security Administration,U.S. Department of Laborat (866) 444-3272 orwww.dol.gov/ebsa/healthreform.This website has a tablesummarizing which protectionsdo and do not apply to grandfatheredhealth plans.Child Term Life andAD&D InsuranceVoluntary term life and AD&D insurancecovering your children may be purchasedthrough Reliance Standard in $2,500increments.A dependent child is defined as an insured’sunmarried child up to the age of 26 or achild who is incapable of self-sustainingemployment by reason of mentalretardation or physical handicap and whois chiefly dependent on the insured forsupport and maintenance.The maximum benefit is $10,000. Pleasenote the coverage for children from livebirth up to six months of age is $1,000.The coverage for children age six monthsand older is 100% of the face amount.You must have coverage for yourselfbefore you can maintain coverage ona dependent child.The monthly cost is $0.23 per $1,000 ofcoverage, regardless of the number ofchildren. The monthly cost for Child AD&Dcoverage is $0.12 per $1,000 of coverage.XPre$$avings401(k) PlanThe annual enrollment period for yourhealth care and insurance benefits is also anexcellent time to review your Xpre$$avings401(k) Plan participation. The plan helps youbuild savings for the future with advantagesthat include:• Investment choices. You can invest in arange of funds designed to help you reachyour financial goals.• Tax advantages. You don’t pay currentincome taxes on your contributions, theCompany match or investment earnings,giving your account extra earning power.• Investment advisors. They can help youmake important investment decisions.If you have completed at least six monthsof continuous service and are at least age18, you can save up to 75% of your basesalary on a pre-tax basis, subject to anannual IRS maximum of $16,500 in 2012.If you are age 50 or older, you can save anadditional $5,500 pre-tax. These IRS limits areincreased periodically.There are a variety of investment funds tochoose from that feature different levelsof risk and return.For enrollment information, call (800) NROLL-12or log on to www.divinvest.com. If you arealready participating, you can call (800) 755-5801to get a personal identification number (PIN)and access your account through the voiceresponse system.Take charge of your future now by joining theXpre$$avings 401(k) Plan!Continuing CoverageDuring a LeaveIf you need to go on leave for any reason, youwill need to make arrangements to continuepaying premiums for your insurance benefits.To avoid cancellation of your benefits duringyour leave you must pay all invoices in fullby the invoice due date. There will be noexceptions to this policy. Payments shouldbe mailed to:U.S. XpressAttention: Benefits Department4080 Jenkins Rd.Chattanooga, TN 37421Contact the Benefits Department at(800) 670-1915 or email us atbenefits@usxpress.com.While on leave, payments for:• Allstate products must be sent directlyto Allstate.• Payroll deducted 401k loans must bepaid directly to Diversified.Premium DeductionPrepaysBenefit premiums are prepaid anddeducted the 1st of the month following60 days from your hire date. Should youleave employment with U.S. Xpress, allprepaid premiums will be refunded toyou minus any amounts owed, taxes, orany administrative fees accrued.

XpressBenef its 11High-Tech Imaging &Case Management withBlueCross BlueShieldIt is very important to provide yourmedical ID card to your physician whenobtaining any services. Your medical cardhas information on the back regardingpre-certification for certain outpatienttests. Your medical plan requires precertificationfor the following high-cost,high-tech or advanced imaging services:• Magnetic resonance imaging (MRI)• Magnetic resonance angiography (MRA)• Magnetic resonance spectroscopy (MRS)• Computed tomography (CT scans)• Computed tomography angiography(CTA scans)• Positron emission tomography(PET scans)• Nuclear cardiologyHigh-tech or advanced radiological imagingservices done in the emergency roomor as an inpatient do not require authorization.Failure to obtain pre-certificationwill mean the imaging tests will not becovered by the USX medical plan.Additionally, the BlueCross BlueShield ofTennessee Case Management Program ismandatory for you and your family membersenrolled in the USX Health Care plan.When you have a serious health issue, aninjury or complicated illness, your healthplan provides important, added-careservice at no additional cost to you. It allstarts with one-on-one talks and supportfrom a registered nurse.With case management, your nursebecomes your personal advocate to helpsimplify the medical and benefit processfor you. That way, you can focus on what’smost important – your health. Dependingon your specific needs, your nursehelps you:• Navigate the health care system – easilyand quickly• Find the right quality-focused doctorsand hospitals• Prepare for an upcoming surgery ortreatment• Make special arrangements foryour recovery• Manage complex diseases, treatments,traumatic injuries, sudden or terminalillnesses, complicated pregnancies,transplant needs, hospice care and more• Latest medical facts about yourhealth problem• Guidance on using online tools andresources on BCBST.com• Over 1,200 recorded messages abouthealth, just by calling 1-800-656-8123We can help you and your family.Please call 1-800-225-8698 today if youhave any questions regarding yourBlueCross BlueShield Medical Plan.Dependent EligibilityAs part of the responsibility andmanagement of our self-fundedbenefit plan, we have to ensure thatall covered dependents meet theeligibility requirements. We are askingall employees to certify that theirdependents meet our health careplan’s definition of eligible dependentprior to adding them to our plan.Definition of an eligible dependent:• A lawful spouse of an employee,including a common law spouse ifrecognized by your state;DependentsSpouseChildren under 26 years of ageStep Children under 26 years of ageHandicapped children over 26 years of ageAdopted or court-ordered children under26 years of age• Children of an employee up to age26, who do not have access to theirown employer health care coverage;• Children age 26 or older who arementally or physically handicapped;• A legally adopted child, astep-child, or a child placed in yourcare by court order, all under 26years of age.Each dependent will be required tosubmit an Eligibility Verification Formstating whether or not they areeligible for medical benefits throughtheir employer or are not currentlyemployed. Falsification of theeligibility verification formwill result in coverage for thedependent being rescinded andmay result in medical claimsbeing denied.As a new hire with dependents,you’ ll need to provide proof of theirdependent status prior to enrollingthem in the USX health plans. Please faxthe appropriate documentation to us at(866) 231-9165 before enrollment.Please have birth dates and socialsecurity numbers available beforecalling enrollment center.Acceptable Forms of DocumentationMarriage Certificateor Common Law AffadavitPlus Eligibility Verification FormBirth CertificateBirth Certificate and Parent’sMarriage CertificateBirth CertificatePlus Handicapped Certification documentationLegal adoption, guardianship, or custodypapers/ordersAdditional information about U.S. Xpress benefitsis available at all major Service Centersand on the HR Web site.

12 XpressBenef itsGroup Voluntary Insurance fromAllstate BenefitsCritical IllnessAlong with the advancements inmedical technology that can increaselife span and chances of survivingcritical illnesses, comes an increasingappreciation of the personal economicstrain people face with the diagnosisand lifestyle changes associated with acritical illness. Group Voluntary CriticalIllness Insurance from Allstate Benefitspays benefits that can be used for nonmedicalrelated, critical illness-relatedexpenses that health insurance mightnot cover. The Group Voluntary CriticalIllness benefit is in the form of alump-sum payment, which is paid tothe employee at diagnosis.• Choose from $10,000, $20,000,$30,000 or $50,000 (available withfull underwriting) in basic benefitcoverage.Category 1 Benefits include: HeartAttack, Heart Transplant, Stroke, andCoronary Artery By-Pass Surgery.Category 2 Benefits include: MajorOrgan Transplant, End Stage RenalFailure, Paralysis, and Alzheimer’sDisease.Category 3 Benefits include: InvasiveCancer and Carcinoma in Situ.Additional Benefits for U.S. Xpressemployees:• Recurrence Benefit (25%) of a previouslypaid benefit in category 1 or 2.• Benefits paid directly to the employeeunless benefits are assigned tosomeone else.• Wellness Benefit of $50 based oncompletion of a qualified wellness testwhile not hospital confined.• Individual, spouse and child(ren)coverage is 50% of the BasicBenefit Amount.• The coverage is portable.• Coverage does not replace any othergroup medical benefits. Instead, it isdesigned to supplement an employee’spresent coverage.• Cancer Coverage is included.AccidentThe Group Voluntary Accident Insurancecan pay a lump sum benefit for on- andoff-the-job accidents, plus some medicalbenefits. Because accident insuranceis supplemental, it pays in addition toother coverage. The coverage can beused on its own or to fill a gap left byother coverage. The Group VoluntaryAccident coverage consists of avariety of benefits that can help coveremployees from medical expenses andhospital expenses due to an accident.The coverage pays a benefit up to aspecified amount for accidental death,dismemberment, dislocation/fracture,initial hospitalization confinement,hospitalization confinement, intensivecare, ambulance service, medicalexpenses and outpatient physician’streatment.• The coverage is portable.• Benefits will be paid directly to you,unless assigned.Universal LifeThe Group Universal Life product is aflexible premium adjustable lifeinsurance plan, designed with a focuson the death benefit amount. Premiumpayments are deducted from yourpaycheck and added to the fund valuewhich, after expense and mortalitycharges are deducted, earns interest ata rate of no less than 4% annually.• Up to $150,000 of coverage.• Guarantee Issue during initialenrollment up to $20 per week forEmployees up to the issue age of 65.• Premium rates are unisex and eithertobacco or non-tobacco; offeringemployees the opportunity to qualifyfor the coverage they need.• Portable coverage. If an employee‘semployment ends, the insured’scoverage can continue as long asrequired premiums are paid to theinsurance company.• Optional riders allow employees to tailorcoverage to help meet their specific needs.The featured optional riders for U.S. Xpressemployees are Children’s Term Rider,Accidental Death Benefit, AcceleratedDeath Benefit for Terminal Illness, andTotal Disability Waiver of Premium.Critical Illness, Accident andGroup Universal Life InsurancePolicy SpecificationsPlease note: Normal pre-existing conditionsmay apply. Please refer to product certificatefor specific details.This material is valid as long asinformation remains current, but in noevent later than February 15, 2013. Thepolicies have exclusions and limitations,may have reductions of benefits atspecific ages, may not be available forsale in all states, and are limited benefitsupplemental policies. Insuranceproducts identified as such areunderwritten by American HeritageLife Insurance Company (Home Office:Jacksonville, FL). For costs and completedetails, contact your Insurance Agent, orcall 1-800-521-3535. Allstate Benefits isthe marketing name for AmericanHeritage Life Insurance Company, asubsidiary of The Allstate Corporation.POLICY COVERAGE DISCLOSURESGroup Critical Illness provided by policy form GVCIP1,or state variations thereof. The policy does not providebenefits for any other sickness or condition. The policy isnot a Medicare Supplement Policy.Group Voluntary Accident benefits provided by policyform GVAP1, or state variations thereof.Group Universal Life Insurance benefits are provided bypolicy form GUL22P, or state variations thereof: GUCTR,GUADB, GULBR, GUTIR, and GUPW.The policies and riders are underwritten by AmericanHeritage Life Insurance Company.

XpressBenef its 13QuitPower Tobacco Cessation ProgramHave you tried quitting tobacco use before and been unsuccessful? What if quittingisn’t as hard as you think? With the QuitPower Tobacco Cessation program from All OneHealth, quitting smoking, dipping, or chewing is made easier.All employees and eligible dependent spouses are eligible to participate in QuitPower.When you enroll, QuitPower offers you a variety of support methods, including:• An 8-week supply of nicotine patches or gum (optional)• A unique and powerful CD to listen to that will help you on your journey tobetter health• A tobacco cessation health coach who specializes in helping you kick your habitIn addition to making a commitment to quitting tobacco, by completing the programas indicated below, you will receive the non-tobacco discounted medical rates and youwill receive 100 Highway to Health Points.Month 1Sign up for QuitPowerReceive materialsReceive first call from QuitPower Health coachMonth 2Receive reminder to call QuitPower coachCall QuitPower coachMonth 3Receive reminder to call QuitPower coachCall QuitPower coachMonth 4Receive reminder to call QuitPower coachCall QuitPower coachProgram is complete!!Not only can quitting tobacco add years to your life by reducing the risk for cancers, heartdisease, stroke, and other chronic conditions, but it can also save you thousands of dollarsa year! Quitting smoking for a “pack a day” smoker will save about $2500 a year in the costof cigarettes alone. Completing the QuitPower program will save you up to $1000 a year inmedical premiums, not to mention the money that can be saved on potential medical costsassociated with tobacco-related diseases. But nothing is more valuable than the improvedhealth for you and your family members.See how QuitPowerworked forNancy Sistrunk“With the tools providedthrough the QuitPowerprogram, I can honestly saythat I have successfully quitsmoking. I no longer havestrong urges to smoke, I feelbetter, and I smell better.I don’t have to look foravailable smoking areas,and I no longer worryabout how many cigarettesI have left in my pack. I amsaving money since I nolonger purchase cigarettes,plus I am saving on mymedical insurance. It feelsgreat to be able to sayI am smoke free!”

14 XpressBenef itsOther BenefitsYour U.S. Xpress benefits also includeprograms that can be helpful in avariety of situations.IntelliNurseU.S. Xpress offers IntelliNurse freeof charge to all employees and theirfamilies. IntelliNurse is a confidentialservice that provides immediateaccess to a registered nurse (RN)who can answer your questions andprovide helpful information regardinghealth-related topics. With a quickphone call, you can learn aboutcommon symptoms, self-caretechniques, medications, and whatto expect during diagnostic tests anddoctors’ visits.IntelliNurse can help you keep yourhealth care costs down by helpingyou to decide when to seek medicaltreatment so you can avoidunnecessary trips to the emergencyroom or doctor’s office. If necessary,IntelliNurse can even provide you withreferrals to local resources, such aspoison control center and hotlines, aswell as community health alerts.By calling IntelliNurse toll-free at(866) 220-3138, you can connect withan RN – 24 hours a day, seven days aweek, including holidays, and get theinformation you need to make smartdecisions about your health.Benefits Quick Contact ListFrequently used numbers:Annual Open Enrollment Call Center . . . . . . . . . . . .888-321-XPRESS (9773)Benefits Department . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-670-1915Benefits Enrollment Call Centerfor New Employees . . . . . . . . . . . . . . . . . . . . . . . . .888-987-XPRESS (9773)Benefits Enrollment Fax Line for New Employees . . . . . . . . .866-231-9165Allstate Benefits Critical Illness,Accident and Universal Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-521-3535BlueCross BlueShield of Tennessee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-565-9140BlueCross BlueShield of Tennessee (network providers) . . . . . . . . . . . . . . . . .800-810-2583Delta Dental . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-223-3104Diversified (for 401(k) Plan) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-755-5801Employee Assistance Program (EAP) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-767-5320IntelliNurse . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .866-220-3138Liberty Mutual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .866-434-6261Medco . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-711-0917PayFlex . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-284-4885Reliance Standard (Life) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-644-1103Reliance Standard (Disability Claims) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .877-202-0055Travel Assistance Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-456-3893Vision Service Plan (VSP) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-877-7195Employee AssistanceProgramThe Employee Assistance Program (EAP),administered by Health ManagementSystems of America (HMSA), is aconfidential counseling, education andreferral service for you and your family.The EAP offers confidential consultationfor a broad range of personal issuessuch as depression, substance abuse,relationship concerns, parenting issues,grief or stress.The EAP can help you deal with life’severyday problems. Call the EAPhotline – available 24 hours aday, seven days a week – at(800) 767-5320. You also can accessa wealth of resources and informationquickly and easily by logging on tohttp://www.my-life-resources.com.The user name is hmsa (all lowercase);the password is myresource (alllowercase).On Call InternationalYou are eligible for the TravelAssistance Program once you havecompleted 90 days of employment.This Company-paid benefit provides24-hour access to emergency medicalservices to travelers. If you or adependent are away from home(even out of the United States) anda medical emergency arises, findingmedical care is only a phone call away.This assistance also includes locatinglost luggage. The toll-free number is(800) 456-3893.

Live an Active LifestyleWe all know that a poor diet and inactive lifestylecan lead to serious health problems – andalso make some diseases more difficult to treat.But did you know that being overweight affectshealth care costs?Unhealthy lifestyle choices are a big reasonhealth care costs are going up. In fact, if youadd up the cost of health problems caused bybeing overweight or obese, the nationwide totalis almost $120 billion in health care expenseseach year. Those costs affect what you pay foryour health plan, as well.Smart Lifestyle Choices1. Plan for better health – and to bypass heartdisease and other serious health problemswhenever possible. You can help manageyour health and control your health carecosts by finding an exercise plan that meetsyour individual needs.2. Take steps to keep a healthy weight or loseweight. Brisk walking for 30 minutes a day,three times a week, can not only improvepersonal health but can also reduce yourneed for medical services.3. Talk to your doctor about an exerciseplan that works for you. The WalkingWorks program may be just the jumpstartyou need.When it comes to your health and the cost ofyour health care, you have a choice. And yourchoices make a difference.Healthy EatingWhat You Need to KnowCurrently, the majority of adults and one inthree children are overweight or obese. If youare significantly overweight, you have a higherrisk of developing high blood pressure, Type 2diabetes, stroke and some forms of cancer. Thelatest dietary recommendations give us theinformation to help make healthier choices andimprove our eating habits so we can reduce therisk of developing diet-related chronic disease.Healthy eating is not about depriving yourselfof the foods you like to eat. It is about learningto make smart choices about what you eat andhow you eat. As you make changes in your diet,try to plan small, manageable steps rather thanone big drastic change. Over time, all thesesmall changes can add up to bring big results inyour health.What Is a Healthy Diet?• A healthy diet focuses on fruits, vegetables,whole grains and fat-free or low-fat dairyproducts.• It includes lean meats, poultry, fish, eggsand nuts.• It is low in saturated fats, trans fats,cholesterol, salt and added sugars.What You Can Do• Eat more fruits and vegetables. They areloaded with antioxidants and fiber and canhelp protect against obesity, heart disease,Type 2 diabetes and cancer. Try to fill halfyour plate with fruits and vegetables.• Eat more whole grains, lean meats, non-fator low-fat dairy, seafood and healthy oils likeolive and canola.• Limit solid fats, added sugars, fast foods, refinedgrains, salt, saturated fat and trans fats.• Make smart choices when you eat out bychoosing broiled, baked, steamed or grilledfood. Avoid creamy sauces, and ask for yoursalad dressing on the side. Ask the serverto box up half your entrée before you starteating, share an entrée or choose a healthyappetizer instead of an entrée.XpressBenef its 15• Pay attention to portion sizes. Most mealsare super-sized and have portions that aretwice the recommended size. This can changeour perception of what is an appropriate servingfor a meal. You can use your hand to helpmeasure portion sizes. One serving of meatis the size of your palm. One serving of fruitis about the size of your fist. And a servingof vegetables or pasta would fit in yourcupped hand.• Give your recipes a “healthy makeover”by making some simple changesand substitutions.Fast Ways to Reduce YourRisk of Heart DiseaseIn addition to adding Omega-3 fatty acids toyour diet, there are a number of other preventivemeasures you can take to reduce your riskof getting heart disease:1. Stop smoking. Topping the list of bad habits,smoking poses health risks for cancer, stroke,and emphysema in addition to heart attack.Exposure to second hand smoke can evenpose a risk of a heart attack.2. Lose a few extra pounds. Lowering weightcan raise good cholesterol levels and lowerbad ones.3. Eat better. Add more fruits, vegetables, fiberand leaner meats to your daily diet to maintainhealthier cholesterol levels. Prepare foodswith less salt and drink water instead of sodathat can be high in sugar content.4. Reduce stress. By lowering your bloodpressure, you can reduce the risk of coronaryvascular disease.5. Exercise. In addition to helping you loseweight, exercise can reduce stress levels andpush you in the right direction for a healthierlifestyle.

16 XpressBenef itsHow the Highway to HealthCan Work for You!The Highway to Health has something for everyone! Whetheryou are trying to quit smoking, looking to control your bloodpressure, or just want to be more active, we have the resourcesfor you to reach your goals. From our Quit Power tobacco cessationprogram, to our bi-monthly health challenges, monthlyhealth education topics, free preventive care offerings, and Rewardfor Healthy Behavior incentive program, USX wants to giveyou the tools to live a healthier and happier lifestyle. We careabout the health of our employees and believe the Highway toHealth program is just the ticket to getting you on the fast trackto better health!Look for information on Highway to Health programs in ourvarious communication outlets—posters & flyers in terminals,Roadmap to Wellness Newsletter Mail-Outs & e-Blasts, HRwebsite, email, and driver infoline.How It Worked for Me!“The Highway to Health program has been an encouragementfor my fitness training and overall health. When I began exercising,my goals were small—first to run a mile, next a 5K, then a10K, and finally a half marathon. I achieved my goal of runninga half marathon in February of 2010. After the race, I hit a ‘rut’in my training. The Highway to Health rejuvenated my trainingand encouraged me to keep records of it. It also gave me someideas about watching my health, such as monitoring my bloodpressure and participating in the health challenges. Shortly after Ibegan participating in the Highway to Health, I signed up for theSt. Jude Full Marathon in December, 2010—which I completedin four hours and twenty minutes! I also lost 16% of my bodyweight from beginning my training in 2009.“I encourage everyone to participate in the Highway to HealthChallenges. The team challenges are good because you haveothers to help keep you accountable. They are a great way tobuild relationships with your teammates and provide friendlycompetition with other teams. The individual challenges aregreat, too, especially when you complete the task or reach a goal.Not only can you improve your health by losing or maintainingweight, but you can also win prizes and best of all—CASH! Whatbetter way to earn money while you improve your health? Weare blessed to have such a program here at U.S. Xpress. It hasdefinitely helped me and I know it can help you, too!”Reward for Healthy Behavior Point SystemEarn $400 a year for healthy behavior with the Highway toHealth, Reward for Healthy Behavior Point System. Earn points fortracking exercise, nutrition, and blood pressure, participating inthe QuitPower tobacco cessation program, getting your annualphysical, sharing a success story, participating in health challenges,and participating in community events. Each task youcomplete will put you one step closer to a healthier lifestyleand $400!Guidelines• Exercise: Exercise 3 times a week for 12 weeks to receive100 points (max. 400 points/year)• Nutrition: Log everything you eat and drink 5 days a weekfor 12 weeks to receive 100 points (max 400 points/year)• Annual Physical: Receive 100 points for receiving ANYpreventive care exam/screening including; well woman, wellman, biometric screening, mammogram, PSA, colonoscopy,dental exam, eye exam, etc. (max. 100 points/year)• Success Story: If you are making progress in your journey tobetter health, we want to hear about it! Share your story withus for 100 points. (max. 100 points/year)• QuitPower Program: Receive 100 points for completion ofthe QuitPower tobacco cessation program offered throughAll One Health (max. 100 points/year)• Health Challenges: Each time you participate in a healthchallenge you will earn 50 points• Blood Pressure: Check your blood pressure 12 times in amonth for 20 points (max. 240 points)• Community Events: Receive 25 points every time youparticipate in a community event such as, charity walks,5k races, 10k races, marathons, softball leagues, etc.Proof that you completed these activities should be provided inorder to receive points. 600 points makes you eligible for the $400cash prize. You may receive the $400 prize a maximum of once peryear, but any remaining points will be rolled over each year.Please email or fax logs to our Wellness Coordinator,Mary Augustino:Email: maugustino@usxpress.com • Fax: 423.510.6490Email Mary for complete guidelines and tracking tool.- Kevin Tawzer, U.S. Xpress

XpressBenef its 17TruckerciseAs a professional driver, you spend long hours sitting in thesame position with little opportunity to move around. Youknow how difficult it can be to eat healthy and exercise whileyou are out on the road, but did you know that exercise isnot only good for your body but is a great way to relievestress and help you stay focused while on the road? Gettingjust 30 minutes of exercise, 3-5 days a week can improveyour health and reduce your risk for developing manychronic diseases, such as heart disease, colon cancer, type2 diabetes, osteoporosis, obesity, stroke, arthritis, and more.Getting in shape does not require expensive gymmemberships or equipment. In fact, a simple exerciseprogram that will provide health benefits can be performedin and around your truck.Make sure to begin every session with a light warm-up ofwalking to prepare your body for exercise and reduce therisk of injury. Take one lap around your truck. Then performpush-offs from your truck, by standing with your feet aboutthree feet from the side of your truck; place your hands onyour truck about shoulder-width apart and push off slowly asyou count to three. Lower yourself slowly on a count of threeand repeat 5 times. Move to the steps of your truck and stepup with one leg and back. You may use your grab-handle onthe side of the cab for support. Repeat 10 times on each leg.Next, move to the front of your truck and position your feethip width apart and grab the bumper. On a count of three,slowly squat down as if you were sitting in a chair. Thenreturn to standing position on a count of three. Be sure tokeep your back straight and stomach tight. Repeat 5 times.Lastly, fill two one-gallon jugs with water. Stand with yourback straight, stomach muscles tight, and knees slightlybent. With a water jug in each hand, curl the jugs chesthigh. Squeeze your biceps at the top of the movement, thenslowly lower the jugs back to your sides. Repeat 10 times.Take one more lap around your truck to cool down and besure to stretch all the major muscle groups.If you are new to exercise, start out slowly and graduallyincrease frequency, duration, and intensity over time. Andalways consult your physician before starting a new exerciseprogram, especially if you have existing health conditions.Remember to wear comfortable athletic shoes duringexercise and stay hydrated, especially when exercisingoutside. Drinking plenty of water before, during, and afterexercise will not only keep your body hydrated but willhelp to cool working muscles, too.Eight Smart Ways to Stay Healthyand Prevent DiseaseEach of the major causes of heart disease, stroke, cancer, lungdisease and injury can be prevented by things you do. Takingcharge of your health and living a healthy lifestyle helps youmaintain your good health and avoid diseases. Quick tips forprevention include:Don’t smoke or use tobacooBronchitis, pneumonia, emphysema and other lung diseasesare preventable simply by not smoking. Need to quit?Set a date, get a support system and throw out everythingtobacco related. Talk to your doctor about a smokingcessation program that’s right for you.Limit alcohol intake and avoid illegal drugsToo much alcohol can damage your liver and contribute tothroat and liver cancer. Limit alcohol to two drinks a day orless. Stay away from illegal drugs and talk to your doctorabout any substance problems.Exercise and lose weightExercise can help prevent many illnesses including heartdisease, high blood pressure, diabetes, osteoporosis,depression and stroke. Excercise 30 minutes every day andmake walking a part of your regular routine.Eat rightA healthy, well-balanced diet is important – one thatincludes vegetables, fruits, low-fat dairy products and wholegrains. Drink at least six to eight glasses of water each day.Control cholesterol and high blood pressureReduce your fat intake and exercise regularly. To keep yourcholesterol down, eat less sodium, lose weight and take yourmedication as prescribed.Keep your shots up-to-dateAdults need shots too. Ask your doctor what vaccinationsneed a booster, and if you need an annual flu shot.Ask about health screeningsScreening test can detect diseases early, when they’re mosttreatable. Talk to your doctor about what tests are right for you.Find a balance between work, home and playYour health is your most valuable asset. Dedicate time tokeeping your mind and body in shape, and be sure toinclude a stress-reduction activity in your daily routine.

2012 Drivers Benefit WorksheetM O V I N G A T T H E S P E E D O F L I F EDO NOT FAX THIS FORM TO BENEFITS! This worksheet is a tool to budget your benefit premiums. Completing this worksheet does not constitutean enrollment. Please call the enrollment call center within 30 days from your hire date to enroll via telephone.DEPENDENT INFORMATIONDependent Name Relationship* Date of Birth Social Security #* Documentation will be required (such as a marriage license, civil union certificate, etc.)Please have birth dates & social security numbers available before call.MEDICAL COVERAGEEmployee Only Employee + Children Employee + Spouse* Family*Weekly RateNon-TobaccoDiscounted RateWeekly RateNon-TobaccoDiscounted RateWeekly RateNon-TobaccoDiscounted RateWeekly RateNon-TobaccoDiscounted RateWaive Coverage $0 $0 $0 $0 $0 $0 $0 $0Standard PlanPremium Plan$43/week$85/week$23/week$65/week$64/week$141/week$44/week$121/week$89/week$188/week$69/week$168/week$100/week$243/week$80/week$223/week* A Spousal Premium of $20 per week will apply if your spouse waives available benefits through their own employer.DEDUCTIONS:$________$________$________$________DENTAL COVERAGEEmployee Only FamilyWaive Coverage $0 $0Standard Plan $4.94/week $14.17/weekVISION COVERAGEEmployee Only Employee + 1 Dependent FamilyWaive Coverage $0 $0 $0Standard Plan $1.51/week $2.29/week $3.98/week$________$________DISABILITY COVERAGEWaive Coverage $0 (STD) $0 (LTD)Short Term Disability (STD) $_____________ plan ($50- $450) for employee age of ______Long Term Disability (LTD) $_____________ plan ($200- $450) for employee age of ______$________$________$________LIFE and AD&D COVERAGEBasic Life for Employee $10,000 benefit $0 (paid by company)Optional Life forEmployeeSpouseChildren$_____/month$_____________ benefit $_____________ benefit $_____________ benefit (cost TBD at enrollment)Optional AD&D forEmployee$_____________ benefitSpouse$____________ benefitChildren$_____________ benefit$_____/month(cost TBD at enrollment)TOTAL WEEKLY DEDUCTION$________$________$________When you call the enrollment number, a benefits counselor will discuss with you the following additional products and the applicable pay periodpremiums. These premiums will be deducted from your paycheck each week.