LIFEX: Your Path to Better Health Starts With Research

Research Associates are part-time W-2 employees of LifeX Research. When requested, they complete short health research activities, they are paid for their time, and they have access to the LifeX employee health benefit plan as part of their employment.

When an activity is requested, Research Associates receive an email and/or text inviting them to complete it. Activities are completed in the Employee Wellness Hub, LifeX's secure online portal.

Each activity is designed to take 15 minutes or less and can be done from any device. Examples include:

• Health and wellness surveys

• Short wellness videos and quizzes

• Logging vitals

• Health coaching

• Telemedicine visits

• Healthcare satisfaction surveys

Activities are completed by the Research Associate (the employee), not by covered family members.

• $40 per hour for research activities, paid on a pro rata basis for the time spent.

• Example: A 15-minute activity pays $10.

• W-2 pay: Payments are W-2 wages, so they are taxed like any other paycheck. LifeX's payroll provider, Venture HR, sends paychecks for completed activities.

The Employee Wellness Hub is where Research Associates manage their employment and benefits in one place. Inside the portal, they can:

• Complete requested research activities

• View and download electronic medical ID cards (a physical card is also mailed)

• Check plan information and claims

• Review and approve benefit elections during Open Enrollment

Getting started:

1. Go to the Employee Wellness Hub login page and enter the primary email address.

2. Confirm date of birth and the last four digits of the Social Security number.

3. Create a password.

Covered family members age 18 and older are invited from Profile Settings > Family and receive their own login for privacy.

• Participation: Activities are optional but encouraged, since they help monitor and improve health. Per LifeX, not completing activities may result in termination of employment.

• Telemedicine: Telemedicine is available 24/7. Research Associates can register for OurLiveDoc by calling 940-LIVEDOC.

• Privacy: All personally identifying information is removed before data is analyzed or shared. LifeX shares only population-level, anonymized insights with Research Partners. Individual data is never sold.

LifeX Research is not an insurance company. Benefits are provided through an ERISA-governed, self-funded employee health benefit plan. This content is published by an independent recruiter, not by LifeX Research. Eligibility, plan details and availability are subject to LifeX Research's terms.

LifeX Research Corporation is a health data and research organization, not an insurance company. Research Associates are W-2 employees, and as part of that employment they can enroll in an employee health benefit plan. The plan is ERISA-governed and self-funded.

Research Associates can choose from four plan types:

• VL plans

• Major Medical (MM) plans

• HSA plans

• Copay PPO

Each plan has its own Summary of Benefits and Coverage (SBC), which lists deductibles, copays and out-of-pocket limits. The SBC is in each plan's tile on the enrollment site. Exclusions are listed in the Plan Documents.

• PHCS PPO is the network for Research Associates in most states.

• MagnaCare is the network option in New York and New Jersey.

Before enrolling, Research Associates should search the network online and also call their doctor's office to confirm the doctor participates.

• Preventive care covered at 100% in-network.

• 24/7 telemedicine through OurLiveDoc (940-LIVEDOC).

• Prescription benefits through ProAct, with Noble Health Services as the specialty pharmacy, available 24/7.

• Electronic ID cards in the Employee Wellness Hub, with a physical card mailed.

New Research Associates can add Humana dental and vision when they enroll in medical benefits.

• Monthly contributions are age-banded and depend on the network chosen. They don't vary by state.

• Deductibles run on the calendar year, and rates may change each January.

• Copays don't count toward the deductible, but they do count toward the out-of-pocket maximum.

• Non-emergency procedures need pre-certification, which the provider requests. Emergencies don't.

This content is for general educational purposes only. Benefits, eligibility and costs are governed by the official Plan Documents and SBCs. Research Associates should review their plan materials for full details.

Open Enrollment for the 2027 plan year runs from November 1 to December 5, 2026. It's the yearly window for Research Associates to review their benefits and make changes for next year.

During Open Enrollment, LifeX will ask Research Associates to review and approve next year's coverage in the Employee Wellness Hub. LifeX will share plan updates, enrollment steps and benefit resources ahead of the window.

• Add or remove dependents.

• Move to a different plan level.

• Change the coverage effective date.

Outside Open Enrollment, changes need a Qualifying Life Event (QLE), such as marriage, a birth or a move. The QLE form is in the Employee Wellness Hub.

1. Log in to the Employee Wellness Hub.

2. Review the 2027 plan options and Summaries of Benefits and Coverage when LifeX releases them.

3. Confirm doctors are in the PHCS PPO network (or MagnaCare in New York and New Jersey). Providers who were in-network under Cigna but aren't in PHCS are paid as in-network only through December 31, 2026. Starting January 1, 2027, claims are processed only through PHCS PPO. MagnaCare is in-network in New York and New Jersey; outside those states, claims are processed as in-network with PHCS PPO.

4. Check prescriptions against the formulary for the chosen plan.

5. Decide whether to add or change Humana dental and vision.

6. Approve the 2027 elections in the Employee Wellness Hub before December 5.

• Deductibles reset each calendar year, and monthly contributions may change in January.

• Paychecks for research activities now come from Venture HR.

• Research activities continue as usual when requested.

This content is for general educational purposes only. Benefits, eligibility and costs are governed by the official Plan Documents and SBCs. Research Associates should review their plan materials for full details.

Is LifeX an insurance company?

No. LifeX Research Corporation is a health data and research organization. Its employee health benefit plan is ERISA-governed and self-funded.

Am I an employee?

Yes. Research Associates are W-2 employees. They receive a W-2 and pay tax on what they earn for research activities.

How do research activities work?

When an activity is requested, Research Associates get an email and/or text. Activities are completed in the Employee Wellness Hub and are designed to take 15 minutes or less. Examples include surveys, videos, quizzes, health coaching and logging vitals.

How much do activities pay?

$40 per hour, paid pro rata by time spent. For example, 15 minutes pays $10. Pay comes from Venture HR.

Do I have to complete activities?

Activities are encouraged because they help monitor and improve health. Not completing activities may result in termination of employment.

Is my health data sold?

No. LifeX never sells individual data. It shares only population-level, anonymized insights with Research Partners.

When are monthly contributions drafted?

The first payment is drafted when enrollment is submitted. After that, contributions auto-draft on or around the 15th of each month. The draft date can't be changed.

Can I pay for the whole year upfront?

Not at this time. Contributions are monthly.

What if a payment is late?

Late payment may result in loss of coverage under the terms of the plan.

Will my contributions change?

Rates may change each January, when the calendar-year deductible also resets.

When do benefits start?

On the employment effective date. Elective surgeries have a 90-day waiting period.

Can I change my plan or add dependents?

Changes happen during Open Enrollment (November 1 to December 5). Outside that window, a Qualifying Life Event is needed.

What happens when a dependent turns 26?

They may be offered employment as a Research Associate on their own.

Can I cancel?

Yes, at any time, with no partial refunds. For example, cancelling on November 15 means coverage runs through November 30 and ends December 1, with no further charges.

Is there a free look period?

Yes, 10 days. A full refund is given for cancelling before the coverage effective date or within the free look period, as long as no claims were incurred. The refund is issued after 30 days.

How do I check if my doctor is in-network?

Search the PHCS PPO network (MagnaCare in New York and New Jersey) provider look-up and/or call the doctor's office to confirm. If a provider is unsure, the provider eligibility line is 844-580-2474, option 2.

Where is my ID card?

An electronic ID card is in the Employee Wellness Hub, and a physical card is mailed.

Can my family members use the Employee Wellness Hub?

Yes. Dependents 18 and older can be invited from Profile Settings > Family.

How do I get telemedicine?

Register for OurLiveDoc by calling 940-LIVEDOC. It's available 24/7.

How do I submit a claim for reimbursement?

Download the reimbursement form from the Employee Wellness Hub and follow its instructions. Clean claims process in 7 to 10 business days and are paid within two weeks.

How do I appeal a claim?

Send a letter to the plan administrator, TPA Exchange, explaining the issue and including any supporting documents.

Is maternity covered?

Yes, for a Research Associate who becomes pregnant after enrolling. Pregnancies of dependents are not covered.

This content is for general educational purposes only. Benefits, eligibility and costs are governed by the official Plan Documents and SBCs. Research Associates should review their plan materials for full details.