<div dir="ltr"><div class="gmail_default" style="font-family:verdana,sans-serif;font-size:small"></div><table class="gmail-MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse">
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<p class="MsoNormal" style="margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><img src="cid:ii_mi93dte00" alt="image.png" width="452" height="240"></p>
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<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><b> </b></p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><b>November 21,
2025</b></p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><b> </b></p>
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<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif">To: </p>
</td>
<td width="698" valign="top" style="width:523.8pt;padding:0in 5.4pt;height:0.2in">
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif">Emeriti and
Retirees</p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"> </p>
</td>
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<p class="MsoNormal" style="margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif">From: </p>
</td>
<td width="698" valign="top" style="width:523.8pt;padding:0in 5.4pt;height:0.2in">
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif">Central HR
Benefits Office</p>
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<p class="MsoNormal" style="margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif">Re: </p>
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<td width="698" valign="top" style="width:523.8pt;padding:0in 5.4pt;height:0.2in">
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-family:Arial,sans-serif"><span class="gmail_default" style="font-family:verdana,sans-serif;font-size:small"></span>Benefits Open Enrollment Ends Today,
November 21, 2025 at 5:00 P.M.</span></p>
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<td colspan="2" valign="top" style="padding:0in 5.4pt;height:19.75pt">
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif">____________________________________________________________________________________________________</p>
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<table class="gmail-MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse">
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<td width="685" colspan="2" style="width:514.1pt;padding:0in 5.4pt;height:41pt">
<p class="MsoNormal" style="margin:6pt 0in 8pt;text-align:justify;line-height:115%;background:rgb(0,32,96);font-size:12pt;font-family:Aptos,sans-serif"><b><span style="font-size:11pt;line-height:115%;font-family:Arial,sans-serif;color:white">BENEFITS OPEN ENROLLMENT ENDS TODAY</span></b><span style="font-size:11pt;line-height:115%;font-family:Arial,sans-serif;color:white"> <b>FRIDAY, NOVEMBER 21, 2025, AT
5:00 P.M.</b></span></p>
<p class="MsoNormal" style="text-align:justify;line-height:115%;margin:0in 0in 8pt;font-size:12pt;font-family:Aptos,sans-serif"><b><span style="font-size:6pt;line-height:115%;font-family:Arial,sans-serif;color:rgb(0,32,96)"> </span></b></p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><b><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">It is essential for all
Emeriti and Retirees to</span></b><b><span style="font-size:11pt;font-family:Arial,sans-serif;color:black"> review the new medical plans and design changes and view the rate
changes using the </span></b><b><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">ALEX Retiree Premium Estimator Tool</span></b><b><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">.</span></b></p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><b><span style="font-size:11pt;font-family:Arial,sans-serif;color:black"> </span></b></p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">After reviewing the medical
plan options, if you are satisfied with your current benefit elections and
not making any changes, no action is required for Open Enrollment, and all
existing benefits will roll over to the new plan year effective January 1,
2026.</span></p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:11pt;font-family:Arial,sans-serif;color:black"> </span></p>
</td>
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<p class="MsoNormal" style="margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><b><span style="font-size:11pt;line-height:115%;font-family:Arial,sans-serif;color:white">New this year</span></b><b><span style="font-family:Arial,sans-serif;color:white"></span></b></p>
</td>
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<p class="MsoNormal" style="margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:8pt;line-height:115%;font-family:Arial,sans-serif"> </span></p>
<table class="gmail-MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="749" style="width:561.75pt;border-collapse:collapse">
<tbody><tr style="height:0.4in">
<td width="749" valign="top" style="width:561.75pt;padding:0in 5.4pt;height:0.4in">
<p class="gmail-MsoListParagraph" style="margin:0in 0in 0in 0.5in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:10pt;font-family:Symbol;color:black">·<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman"">
</span></span><b><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">New Medical plan, Non-Medicare Blue
Shield PPO,</span></b><span style="font-size:11pt;font-family:Arial,sans-serif;color:black"> plan design and rate changes, including increased out of pocket
expenses and copays to consider your options and costs.</span></p>
<ul type="disc" style="margin-bottom:0in">
<li class="MsoNormal" style="line-height:normal;background-image:initial;background-position:initial;background-size:initial;background-repeat:initial;background-origin:initial;background-clip:initial;margin:0in 0in 8pt;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">The new Non-Medicare
Blue Shield Health Savings+ is replacing CORE and UC Health
Savings plan effective January 1, 2026.</span><span style="font-family:Arial,sans-serif"></span></li>
</ul>
<p class="gmail-MsoListParagraphCxSpFirst" style="margin:0in 0in 0in 0.5in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span class="gmail-MsoHyperlink" style="color:rgb(70,120,134)"><span style="font-size:10pt;font-family:Symbol;color:black">·<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman""> <span class="gmail_default" style="font-family:verdana,sans-serif;font-size:small"> </span></span></span></span><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">Review the UCOP Medical Plan Changes
Communication – </span><a href="https://ucnet.universityofcalifornia.edu/employee-news/letter-from-systemwide-hr-vp-cheryl-lloyd/" style="color:rgb(70,120,134)"><span style="font-size:11pt;font-family:Arial,sans-serif">Vice President
Cheryl Lloyd S</span>ystemwide letter about medical plan changes for 2026<span style="font-size:11pt;font-family:Arial,sans-serif;color:black">.</span></a><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">| </span><a href="https://ucnet.universityofcalifornia.edu/wp-content/uploads/2025/10/2026-Benefits-Changes-Fact-Sheet.pdf" style="color:rgb(70,120,134)"><span style="font-size:11pt;font-family:Arial,sans-serif">2026 Benefits Changes Fact Sheet</span></a><span style="font-size:11pt;font-family:Arial,sans-serif;color:black"> and </span><a href="https://ucnet.universityofcalifornia.edu/employee-news/big-changes-new-choices-oe-2026/#faq" style="color:rgb(70,120,134)"><span style="font-size:11pt;font-family:Arial,sans-serif">Frequently Asked Questions</span></a><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">.<span class="gmail-MsoHyperlink" style="color:rgb(70,120,134);text-decoration-line:underline"><span style="color:black"></span></span></span></p>
<p class="gmail-MsoListParagraphCxSpMiddle" style="margin:0in 0in 0in 0.5in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:10pt;font-family:Symbol;color:black">·<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman"">
</span></span><b><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">Open Enrollment deadline</span></b><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">: Make your elections
by Friday, November 21, 2025, at 5:00 p.m.</span></p>
<p class="gmail-MsoListParagraphCxSpLast" style="margin:0in 0in 0in 0.5in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:11pt;font-family:Arial,sans-serif;color:black"> </span></p>
</td>
</tr>
<tr style="height:0.4in">
<td width="749" style="width:561.75pt;background:rgb(166,65,177);padding:0in 5.4pt;height:0.4in">
<p class="MsoNormal" style="margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><b><span style="font-size:11pt;line-height:115%;font-family:Arial,sans-serif;color:white">UCR Emeriti and Retiree Open
Enrollment Benefits Website – Tools and Resources</span></b><span style="font-size:11pt;line-height:115%;font-family:Arial,sans-serif;color:white"></span></p>
</td>
</tr>
<tr>
<td width="749" valign="top" style="width:561.75pt;padding:0in 5.4pt">
<p class="MsoNormal" style="margin:0in 0in 6pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><br></p>
<p class="MsoNormal" style="margin:0in;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><b><span style="font-size:11pt;line-height:115%;font-family:Arial,sans-serif">Open Enrollment Resources</span></b></p>
<p class="MsoNormal" style="margin:0in;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><b><span style="font-size:11pt;line-height:115%;font-family:Arial,sans-serif"> </span></b></p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><a href="https://live-ucr-retirees.pantheonsite.io/open-enrollment-2026" target="_blank" style="color:rgb(70,120,134)"><span style="font-size:11pt;font-family:Arial,sans-serif">UCR Retirement Center Open
Enrollment Emeriti and Retiree Webpage</span></a></p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif">Medical Plan Comparison Charts</p>
<ul style="margin-top:0in;margin-bottom:0in" type="disc">
<li class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif">Non-Medicare - <a href="https://ucnet.universityofcalifornia.edu/wp-content/uploads/2025/10/Which-medical-plan-is-right-for-you.pdf" style="color:rgb(70,120,134)">Which
medical plan is right for you? PDF</a></li>
<li class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif">Medicare Eligible - <a href="https://ucnet.universityofcalifornia.edu/wp-content/uploads/2025/10/Which-Medicare-plan-is-right-for-you.pdf" style="color:rgb(70,120,134)">Which
Medicare plan is right for you? <span style="color:rgb(7,79,106)">PDF</span></a></li>
<li class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif">UC PPO plans <a href="https://documents.ucr.edu/HR-Benefits/2026%20Open%20Enrollment/oe2026-ucppo-how-the-ppo-plans-compare.pdf" title="Side by Side Comparison of How the PPO Plans Compare for 2026" style="color:rgb(70,120,134)">side-by-side
comparison</a></li>
<li class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><a href="https://www.blueshieldca.com/fad/index.html?deeplinkID=UCCareTier1" target="_blank" title="https://cloud-web-dev.blueshieldca.com/fad/index.html?deeplinkID=UCCareTier1" style="color:rgb(70,120,134)">Blue
Shield Non-Medicare Find a Provider Webpage</a></li>
</ul>
<p class="MsoNormal" style="margin:0in 0in 0in 0.5in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"> </p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><a href="https://youtu.be/g6mMtjVrmFg" title="Retiree recorded open enrollment presentation" style="color:rgb(70,120,134)">Emeriti/Retirees
Open Enrollment recorded Presentation</a> </p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><a href="https://k-p.li/UC-Medicare" title="Kaiser Permanente Traditional Medicare Plan Recorded Presentation" style="color:rgb(70,120,134)"><span style="color:rgb(7,79,106)">Kaiser
Permanente Traditional Medicare Plan Recorded Presentation</span></a><span style="color:rgb(7,79,106)"></span></p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><a href="https://uc.jellyvisioncustom.com/retiree-graduated-eligibility-premium" style="color:rgb(70,120,134)"><span style="font-size:11pt;font-family:Arial,sans-serif">Retiree Health Plan Premium Estimator</span></a></p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><a href="https://ucnet.universityofcalifornia.edu/oe/retiree-start/#enroll" style="color:rgb(70,120,134)"><span style="font-size:11pt;font-family:Arial,sans-serif">U</span>Cnet E<span style="font-size:11pt;font-family:Arial,sans-serif">nroll
O</span>nline Information</a></p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:11pt;font-family:Arial,sans-serif">Make plan changes on </span><a href="https://retirementatyourservice.ucop.edu/" style="color:rgb(70,120,134)"><span style="font-size:11pt;font-family:Arial,sans-serif">UC
Retirement At Your Service (UCRAYS)</span></a><span style="font-size:11pt;font-family:Arial,sans-serif"></span></p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"> </p>
</td>
</tr>
</tbody></table>
<p class="MsoNormal" style="margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:8pt;line-height:115%;font-family:Arial,sans-serif"> </span></p>
</td>
</tr>
<tr>
<td width="640" style="width:480.15pt;padding:0in 5.4pt">
<table class="gmail-MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="748" style="width:560.95pt;border-collapse:collapse">
<tbody><tr style="height:30.65pt">
<td width="748" style="width:560.95pt;background:rgb(119,32,109);padding:0in 5.4pt;height:30.65pt">
<p class="MsoNormal" style="margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><a name="_Hlk116556026"><b><span style="font-size:11pt;line-height:115%;font-family:Arial,sans-serif;color:white">Contact
us</span></b></a></p>
</td>
</tr>
</tbody></table>
<p class="gmail-Body" style="margin:0in 0.5in 6pt 0in;line-height:110%;font-size:10pt;font-family:Arial,sans-serif"><span style="font-size:11pt;line-height:110%"></span></p>
</td>
<td style="border:none;padding:0in" width="45"><p class="MsoNormal" style="margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"> </p></td>
</tr>
</tbody></table>
</td>
</tr>
</tbody></table>
<p class="MsoNormal" style="margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-family:Arial,sans-serif;color:black"> </span></p>
<p class="MsoNormal" style="margin:0in 0in 8pt;line-height:115%;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:11pt;line-height:115%;font-family:Arial,sans-serif;color:black">For questions regarding
Open Enrollment, please contact the Benefits Office via email at </span><a href="mailto:benefits@ucr.edu" style="color:rgb(70,120,134)"><span style="font-size:11pt;line-height:115%;font-family:Arial,sans-serif;color:black">benefits@ucr.edu</span></a><span style="font-size:11pt;line-height:115%;font-family:Arial,sans-serif;color:black">.</span><span style="font-size:11pt;line-height:115%"></span></p><br></div>