Financial

An easy, convenient way to save for retirement by contributing pre-tax dollars directly from your pay, with 150% company-matching contributions from Sanofi US on the first 6% you save.

800-839-1907  |  www.rps.Troweprice.com

When it comes to saving and investing for retirement, there isn’t a “one size fits all” solution, especially when a company has employees who are in various stages of their life and with different financial goals. The unique features of the Sanofi US Group Voluntary Deferred Compensation Plan (VDCP) help you manage your tax liability, close the retirement savings gaps caused by contribution limits on 401(k) plans and other qualified retirement plans, and save for financial goals other than retirement.

The VDCP is offered to senior management as a pre-tax savings program designed to help you achieve both short-term and long-term goals. This benefit is a non‐qualified deferred compensation plan subject to IRC 409(a) timing and taxation regulations.

Access all your personal Sanofi US compensation and benefits information in one place using this enhanced, online My Total Rewards tool. Please visit the Thrive Portal to learn more.

Strengthen your future financial security through MetLife programs that offer financial planning tools and educational resources. These programs offer solutions for all Sanofi US employees, whether early career, mid-career, or pre-retirement. You can find a number of in-person and online webinars. Visit the PlanSmart Financial Calendar on the Thrive Portal for details.

SmartDollar is a financial wellness tool that motivates participants to take ownership of their finances, develop strategies to tackle debt, plan for retirement and more.

For more information on SmartDollar, visit www.smartdollar.com/enroll/trp_104816.

• You may purchase up to 7 times your annual salary, to a maximum of $1.5 million.
• Coverage is available for your spouse and child(ren).
• For more information on options, rates and making an election for coverage, reach out to MetLife directly at 800-GETMET-8 or visit www.metlife.com/mybenefits and use company code “Sanofi” to learn more.

Enroll in optional protection through LifeLock, providing 24/7, 360-degree defense and detection services to protect you from identity theft. Enrollment now occurs through the Employee Benefits Center.

Get started to day by calling 877-509-5357.

To help you protect your home and vehicles, Sanofi US makes available such insurance at special employee rates and discounts that could help you save on these important services. You may select from convenient payment options, including payroll or bank account deduction, if you purchase home or auto insurance through Farmer’s Insurance.

Learn More or Enroll

To learn more or enroll, call Farmer’s Insurance at 800-438-6381 or visit the Farmer’s website. Use Company Code “Sanofi” when registering to view plan details or request a discounted quote.

Purchase coverage to help pay the cost of veterinary care.

800-438-6388  |  www.metlife.com/mybenefits (Company code: Sanofi)

Additional information:

• Pet Insurance flyer

Commuter benefits are now offered across the U.S., pre- and post-tax. Enroll through Health Equity directly at www.myhealthequity.com.

Accident insurance helps you or a covered family member financially when health insurance alone is not enough. You receive a lump-sum payment that you can use to help cover accident expenses like deductibles, copays, extra costs for out-of-network care, and non-covered services.

The plan provides protection 24 hours a day — while on or off the job.

Contact MetLife:
800-GETMET-8 (800-438-6388)
www.metlife.com/mybenefits
(Enter company code “sanofi”)

Additional information:

• Accident Overview flyer

In life, it pays to be prepared for the unexpected. At Sanofi we offer a variety of programs to help you plan for the unknown and provide a financial safety net for your family.

Basic Life Insurance
Company-paid Basic Life Insurance of two times your salary (up to $1.5 million) is automatically provided to you at no cost; you may elect to cap your coverage at $50,000 to avoid paying tax on imputed income — which is the value of the company-provided coverage as determined by the IRS.(Imputed income appears on your paystub as GRP TERM LF in the Special Information Section.)

Note: There is an age reduction factor applied to Basic Life Insurance coverage for employees overage 65. Please review the MetLife Basic Life Insurance Booklet accessible via the Thrive Portal for details.

Accidental Death & Dismemberment (AD&D)

In addition to other life insurance you may have, you may also purchase units of $10,000 to $1.5million payable upon accidental death or dismemberment. Spouse and child(ren) coverage is also available at a percentage of the employee coverage amount.

Long-Term Disability

If you are disabled for more than 26 weeks, you may be eligible to receive Long-Term Disability (LTD)insurance, which pays benefits based on a percentage of your pre-disability monthly earnings (BaseSalary). The company always pays for the core coverage of 60% of your base pay, but there is a choice on the Core plan:

• Core Company-Paid 60% LTD Coverage — The Core LTD benefit is fully company paid and pays 60% of your base salary up to a maximum monthly benefit of $15,000. Any future benefits collected will be considered taxable income. Note: If you do not make an election for LTD benefits, you will automatically be enrolled in Core Company Paid LTD Coverage.
• Core Company-Paid 60% on a Post-Tax Basis — This option provides the same 60% of basic pay benefit, however, the benefit would not be taxable. This is achieved by adding in the value of the LTD coverage as imputed income to your gross wages, then deducting that same amount as a post-tax deduction. This satisfies the IRS requirements and renders any benefit connected as non-taxable.

Separate from the Core plan, there is an option for buy-up coverage.

• Buy-Up Voluntary Employee Paid LTD Coverage — In addition to the above choice of Core 60% LTD Coverage, you may also purchase an additional 6 ⅔% coverage so that the combined LTD benefit from your Core plan and the Buy-Up plan will be a total of 66 ⅔% of your Base Salary up to a maximum monthly benefit of $25,000. This coverage is paid with after-tax dollars meaning any benefits received under the buy-up option are non-taxable. If you elect this coverage, we suggest taking the post-tax option above to ensure your benefit is fully non-taxable.

For Long-Term Disability, contact Prudential: 800-842-1718 | www.prudential.com