AnnualEnrollment Guide

2018

2 2018 Annual Enrollment Guide

This document is intended as a summary of basic benefit plan provisions and is not a substitute for the official plan documents. If there are any inconsistencies between this summary and the official plan documents, the official plan documents prevail. The company may add, modify or eliminate benefit programs at any time, and will advise employees of any such changes consistent with regular communication processes.

2018 Annual Enrollment Guide

This guide is a high-level review of your benefits changes for 2018. For details and premiums:

• Visit the Annual Enrollment site and review the full benefits summary guide at www.us.jll.com/openenrollment, or

• Call the Benefits Solution Group at 866-580-7421

Welcome

2018 Annual Enrollment Guide

You’re in charge. Act now to choose the best benefits for you and your family. Then, throughout the year, make smart healthcare decisions to improve and sustain your health and reduce healthcare costs!

Our comprehensive and customizable benefits and well-being programs are an important part of your Total Rewards package—designed to help you balance your physical, emotional, social and financial health. And, they provide rewards when you take an active role in improving your well-being.

JLL is committed to paying the bulk of the cost for employee benefits. Healthcare costs continue to rise nationwide, leading to increased costs for you and for JLL. This year, you’ll see increases in the spousal/partner surcharge and in costs for tobacco users. Details on these changes are in this guide.

Making smart lifestyle and personal healthcare decisions is one way you can save on out-of-pocket costs and help hold down costs for JLL. Consider some of these actions:

• Save premium dollars by taking and complying with the “My Health My Pledge”

• Earn cash incentives or HSA contributions in the Health Rewards program

• Save tax dollars and earn company contributions with a Health Savings Account (must elect the “Plus” or “Basic” medical option)

• Use network providers and “premium” providers, where available

• Use high-quality and low-cost providers (use the “MyHealthcare Cost Estimator” on myUHC.com)

• Enroll in supplemental medical plans such as Critical Illness, Group Accident or Hospital Indemnity insurance to provide additional healthcare protection

• Know where to go for care. Save time and money by accessing the right place for care such as Virtual Visits, Convenience Care and more

Annual enrollment for 2018 benefits is from Oct. 16 through Nov. 3, 2017, with elections effective Jan. 1, 2018. Carefully consider your benefit elections. You may only make changes to your benefit elections once each year, during annual enrollment, unless you experience a qualifying life event, such as: marriage, divorce or the birth/adoption of a child.

Read this guide for information on how to enroll, changes and program enhancements and tips to make you a better healthcare consumer. You’ll find even more info in the Benefits Summary Guide on the Annual Enrollment website at www.us.jll.com/openenrollment.

Here’s to your well-being in 2018 as we continue to put the power in your hands! If you have any questions about your benefits or the annual enrollment process, please contact the Benefits Solutions Group at 866-580-7421. Their hours of operation are 8 a.m. – 5 p.m. CST. You can also live chat with them directly at www.jll.com/mytotalrewards.

It’s Annual Enrollment time!

This guide is a high-level review of your benefits. For details and premiums:

• Visit the Annual Enrollment site at www.us.jll.com/openenrollment, or

• Call the Benefits Solution Group at 866-580-7421

Your Total Rewards

Watch the JLL Well-Being Video

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Health Savings Account (HSA)* If you wish to contribute to your HSA in 2018 via payroll deductions, you must actively select this option and provide the amount to deduct during Annual Enrollment. If you do not enroll at this time, you will not be able to contribute to your HSA account for the start of 2018. If you did not have an HSA last year, you will be required to agree to the banking terms during the Annual Enrollment process to open your HSA.

Health Rewards Payouts* for UnitedHealthcare and Kaiser Permanente plan participants If you don’t make a selection for how you’ll receive your UnitedHealthcare or Kaiser Permanente participant Health Rewards payout, the payout will default to cash. If you were in a HSA eligible plan (PPO Plus or PPO Basic) in 2017, your current payout election will rollover. If this is your first time in an HSA eligible plan, you will need to elect your payout method.

Flexible Spending Accounts (FSA) If you wish to participate in a Healthcare and/or Dependent Care FSA for 2018 via payroll deductions, you

must actively select this option and provide the amount to deduct during Annual Enrollment. If you do not enroll at this time, you will not be able to participate in a FSA in 2018.

“My Health My Pledge”* Discount To receive a significant reduction in your medical plan premium, you must actively pledge to not use tobacco. If you do not elect and fulfill the pledge, you will not receive the 2018 premium savings. Your 2017 pledge election will not carry over. Please refer to page 4 for details regarding an increase in premiums due to tobacco use.

Working Spouse/Domestic Partner Surcharge Evaluate the Working Spouse/Domestic Partner Surcharge. If your spouse/domestic partner can receive benefits from their company but you decide to include them on your coverage, you will be required to pay an additional $150 per month. If you have a spouse or domestic partner on file, you will be defaulted to ‘Yes- I’m eligible for the surcharge’ unless you take action and recertify.

If you do not actively enroll or make changes during Annual Enrollment, your current benefit elections will carry forward to 2018 with the following exceptions. Your current elections in the following areas will not carry forward to 2018 unless you act:

Make the most of your JLL benefits

Benefits you may enroll in or make changes to only during Annual Enrollment

Benefits Annual Enrollment is the only time you may enroll in or adjust your selections for the following benefits:

• Critical Illness Insurance

• Dental Insurance

• EstateGuidance®

• FinancialPoint®

• Flexible Spending Account — Dependent Child Care

• Flexible Spending Account — Health

• Group Accident Insurance

• Health Rewards Payout Option

• Health Savings Account

• Hospital Indemnity Insurance

• Imputed Income for Long-Term Disability Insurance

• InfoArmor Identity Theft

• Life and Accidental Death & Dismemberment Insurance

• Medical Insurance

• MetLaw — Hyatt Legal Plan

• “My Health My Pledge” Discount

• Spousal Surcharge

• Vision Insurance

For information on all benefits available to you, please see the Benefits Summary Guide.

*Not available to employees in Hawaii

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Premiums increasing for tobacco users. In order to receive a reduction in medical costs, you and your qualified spouse or domestic partner must accept the “My Health My Pledge” to not smoke or use tobacco products. If you do not accept this pledge you will see significant medical and dental premium increases for 2018. The use of tobacco products continues to be the single largest cause of disease and premature death in the United States, resulting in nearly 6 million deaths each year. In addition, the economic impact on the United States amounts to more than $300 billion each year. Of that, nearly $170 billion is spent on direct medical care for adults. Bottom line? Treatment of smoking-related diseases increases medical costs nationally, to JLL, and ultimately to you. Beyond cost, JLL cares about you and we are committed to doing everything we can to provide you with opportunities to improve your well-being by promoting a culture of health. We offer a Smoking Cessation program through UHC, Kaiser Permanente and GuidanceResources to help you quit. Here are some steps to get started:Step 1: Enroll in the Smoking Cessation Program. Call the number on the back of your medical card today, or if you’re not enrolled in a JLL medical plan call GuidanceResources at 800-272-7255 to get started.Step 2: Connect with your Smoking Cessation coach. Set up your first coach appointment when you call to enroll. Your coach calls you up to five times during the program. However, you can call your coach as many times as you want. There is no limit. During your first call you’ll set goals and discuss the things that have made it hard for you to quit. Step 3: Develop your quit plan. Together, you and your coach will tailor a quit plan that addresses the physical and mental aspects of quitting. You’ll also get up to eight weeks of nicotine replacement therapy at no cost to you. JLL covers the cost of your medications.*Step 4: Make healthy changes and meet your goals. You’ll have regular 10 to 20 minute calls with your coach. Some things you’ll cover are:• Setting your quit date and plan for getting there

• Identifying triggers

• Building a support network

Please read more about this important health issue on page 8.

New programs and benefits enhancements for 2018

• Handling social situations• Coping with withdrawal symptoms • Staying motivated

If you are a tobacco user, call today to get started on your personalized, convenient and confidential quit program. Get healthy and save on your medical and dental premiums!

* Nicotine replacement therapy and medications are not covered under the EAP plan through GuidanceResources

(Continued on the next page)

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Medical plan premium increase. Every year healthcare costs rise due to unpredictable high-cost claims and medical inflation. We at JLL have a responsibility to keep healthcare costs down while balancing prior year performance. In 2017 we experienced several high-cost claims which have driven up costs this year. In an effort to reduce your out-of-pocket spend, JLL will continue to cover the majority of premiums. Reference the full Benefit Summary Guide for a listing of all 2018 premium rates.

Washington state employees can now choose Kaiser Permanente plans. Kaiser Permanente medical plans are now available in Washington state, Georgia, Colorado, California, Hawaii, Oregon and the Washington DC metropolitan area. Employees working in these regions have the choice of either UnitedHealthcare PPO or Kaiser Permanente HMO medical plans.

JLL provided Basic Life and AD&D coverage increasing*. To help you create a secure financial future, JLL is increasing coverage amounts for basic Life and AD&D insurance to 2x annual salary up to $300,000. Commission-eligible employees who receive a flat amount will also have their coverage level doubled; for example, Professionals will be covered at $180,000 and Associate Directors at $230,000. With the increase in company-provided insurance coverage, the Supplemental Life Credit is being removed.

IRS limits for total Health Savings Account contributions (including personal and JLL contributions) have increased to $3,450 for You Only coverage. Family rate is $6,900. Keep this in mind when evaluating your options.

Spousal surcharge increasing to $150 per month. While some companies have completely eliminated coverage for spouses or domestic partners all together, JLL continues to offer a healthcare option by spreading the costs between you and the firm. In 2018, the spousal surcharge will increase to $150/month if you choose to enroll your spouse or domestic partner in JLL medical coverage when they have other coverage available.

New programs and benefits enhancements for 2018(Continued)

* This change applies only to the Standard Life Insurance plan for non-directors.

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(Continued on the next page)

UnitedHealthcare plan changes for 2018To remain competitive and align our plans with the IRS and Affordable Care Act requirements, it is necessary to periodically increase plan deductibles and out-of-pocket maximums.

More ways to earn Health Rewards

In order to be better aligned with industry and clinical best-practices, we have increased the Body Mass Index (BMI) range accepted to earn health rewards. Previously the “healthy” range was from 18.5-25. In 2018, the range is increasing to 18.5-27.5.

New Standard Plan deductibles In-network Out-of-network

You OnlyYou +1You + 2 or more

$800$1,600$2,000

$2,000$4,000$5,000

New Standard Plan out-of-pocket maximums In-network Out-of-network

You OnlyYou +1You + 2 or more

$2,600$5,200$6,500

$6,500$13,000$16,250

New Plus Plan deductibles In-network Out-of-network

You OnlyYou +1You + 2 or more

$1,400$2,800$3,500

$3,500$7,000$8,750

New Plus Plan out-of-pocket maximums In-network Out-of-network

You OnlyYou +1You + 2 or more

$3,100$6,200$7,350

$8,000$16,000$20,000

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• Ambulance Services—adding coverage for non-emergency ground and air transportation (in certain instances)

• Durable Medical Equipment—replacement every three years unless there is a growth change that requires a more frequent replacement. Adding coverage for the following:

– Cranial caps/helmets and scoliosis braces; including custom molded cranial orthotics (helmets) when prescribed by a physician

– External cochlear devices and systems (either inpatient or outpatient)

– Rental of hospital-grade breast pumps (in specific instances)

• Hearing Aids—replacement every three years or if the individual’s device function changes

• Morbid Obesity Surgery—adding coverage for panniculectomy (surgical removal of excess skin and adipose tissue when medically necessary

• Treatment of Gender Dysphoria—adding puberty suppressing meds if medical criteria is met

• Orthognathic Surgery—adding coverage when conditions meet definition of reconstructive (not cosmetic) surgery

• Nutrition—coverage for medical foods and enteral feedings when prescribed by a physician (due to diagnosed illness or injury when unable to meet nutritional requirements with a normal diet

• Dental Services—adding coverage under medical plan for accidental injury

• Methadone—exclusion under medical plan removed

• Weight Loss Medications—adding prior authorization requirement

UnitedHealthcare plan changes for 2018(Continued)

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Kaiser Permanente plan changes for 2018

Washington state employees can now choose Kaiser Permanente plans. Kaiser Permanente medical plans are now available in Washington state, Georgia, Colorado, California, Hawaii, Oregon and the Washington DC metropolitan area. Employees working in these regions have the choice of either UnitedHealthcare PPO or Kaiser Permanente HMO medical plans.

Changes to Rx benefit for all regioins except Hawaii. To align with the market and remain competitive, the employee co-pay has increased for brand drugs received at retail locations and through mail-order. The retail co-pay has increased from $30 to $45 per prescription and mail-order has increased from $60 to $90 per prescription.

Changes to Rx benefits (Hawaii only). The employee co-pay for prescription drugs is increasing from $5 generic maintenance/$10 generic/$35 brand/$75 specialty brand to $5 generic maintenance/$10 generic/$35 brand/$200 specialty. These costs align with market pricing.

New Standard Plan deductibles • $800 You Only

• $2,000 You + 1

• $2,000 You + 2 or more

New Plus Plan deductibles • $1,400 You Only

• $3,500 You + 1

• $3,500 You + 2 or more

New Standard Plan out-of-pocket maximums• $2,600 You Only

• $6,500 You + 1

• $6,500 You + 2 or more

New Plus Plan out-of-pocket maximums• $3,100 You Only

• $7,350 You + 1

• $7,350 You + 2 or more

To remain competitive and align our plans with the IRS and Affordable Care Act requirements, it is necessary to periodically increase plan deductibles and out-of-pocket maximums.

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It’s Time to QuitThere’s nothing easy about quitting the use of tobacco. If you’re like most smokers, you may have tried to quit before and failed. The good news is that over 38 million Americans have quit the use of tobacco. JLL wants to help you to a tobacco-free lifestyle. We believe in you. You can do it—one day at a time!

Why do you want to quit? How often do you use a list to help make life a bit easier? You make lists at work to remind you of the tasks you need to accomplish. At home, a list helps us remember what to get at the grocery store and organizes our busy weekends. A list can also make it easier for you to make the decision to break the tobacco habit. Get out a pencil and paper and make a list of all of the reasons you want to quit. Do it now!

Build a support group. Quitting isn’t easy and you’ll need all the help you can get. Ask your friends and family to encourage you. Maybe you have a friend or family member who will quit with you. Contact your health plan or the EAP to connect you with a Quit Coach. Quitting is easier when you have support!

Work on managing cravings. You probably won’t be able to avoid all of your tobacco triggers, but learning how to deal with them will make it easier. Cravings usually last 5 to 10 minutes. Get support to get you through those minutes:

• Call or text someone when you get a craving. Learn to lean on friends, coworkers or your Quit Coach.

• Cravings last about the length of a few songs. Create a tobacco-craving playlist to distract you when you get the urge.

• Use an app. Check online for an app that helps you track your cravings and triggers.

• Take a walk. Chew a piece of gum. Drink a glass of water. Make a list of distractions. It’s important to have a plan.

Remove temptation. Throw away ashtrays, cigarettes and lighters. Have your car detailed to remove the smell of smoke. Clean your jacket, have your windows and carpet cleaned at home. The smell of tobacco can be a powerful trigger. Make it easier by removing that smell.

These are just a few suggestions to help you QUIT NOW. Call the number on the back of your medical card today, or if you’re not enrolled in a JLL medical plan call GuidanceResources at 800-272-7255 to connect to a Quit Coach and get started down the path to a healthier, tobacco-free life!

I want to quit

• Because I get short-of-breath walking upstairs or going for a hike

• Before I get lung cancer, emphysema or heart disease

• To be a good role model for my kids

• To save money on my health insurance premiums

• Because I hate the smell of tobacco on my hands and in my car

• To be in control of my life

Make your own list or just add to this one. Post it where you will see it every day.

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What steps do I need to take?Enrolling in your benefits can appear overwhelming, but JLL (and your personal online benefits assistant, ALEX at www.myalex.com/jll/2018 are here to help make it a breeze! Here’s what you need to do.

1. Evaluate your options using the tools available to you.

Read this guide for an overview of what’s changing.

Get more details about all of your benefits options in the Benefits Summary Guide at www.us.jll.com/openenrollment, which is available on the My Total Rewards portal at http://www.jll.com/mytotalrewards.

Use ALEX, your personal benefits assistant, to compare all the options available to you. ALEX can be found at www.myalex.com/jll/2018.

2. Make your elections.

Online via computer, or on the go with your mobile device: October 16 through November 3, 2017

+ Go to the My Total Rewards portal at http://www.jll.com/mytotalrewards. Select the “Enroll Now” button for Annual Enrollment and go through the seven steps of enrollment.

By phone: Beginning October 16 through November 3, 2017

+ Call the Benefits Solutions Group at 866-580-7421 to have a dedicated benefits expert help you enroll.

+ Experts are available 8:00 a.m. – 5:00 p.m. CST.

3. Print and review your confirmation statement.

You can find it on the My Total Rewards portal at http://www.jll.com/mytotalrewards after you’ve completed enrollment. Be sure to keep a copy for your records.

Guess who’s back in town

Refreshed with updated plan information, this year’s ALEX® is a whole new experience. In just a few minutes, your old friend, ALEX, can walk you through your JLL benefits options, and help you find the best-fit option for you and your family.

ALEX will ask you a few questions about your healthcare needs (your answers remain anonymous, of course), crunch some numbers, and recommend a plan that’s best for your personal needs. It’s that easy! Even if you’re happy with your current plan, it’s worth it to use ALEX to make sure you’re not paying too much for health insurance. Double check your plan today at www.myalex.com/jll/2018.

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Take the time to learn why so many people at JLL are choosing Health Savings Accounts

Did you know that in 2017, 76 percent of your colleagues chose a medical plan with a Health Savings Account (HSA)?

There’s a good reason for that.

HSAs are an ideal way to save and pay for healthcare needs now and in the future. You get a triple tax benefit, can pay for medical, dental and vision expenses, and the money in the account belongs to you. And did we mention that JLL contributes to your HSA as well?

Check out ALEX to see if a medical plan with an HSA is right for you.

For more information on Health Savings Accounts, take HSA 101, http://marketing.joneslanglasalle.com/storylinehsa/.

Cover your spouse or domestic partner on his/her employer’s medical plan. Save yourself the $150-per-month fee you pay if you cover a spouse or domestic partner who is eligible for medical coverage from his/her employer.

Earn money for being healthy or completing a health coaching program. All employees enrolled in UHC medical plans can earn Health Rewards of up to $725, as can their spouse/domestic partner, by hitting the targets for all Health Rewards opportunities or by completing an appropriate health coaching program.

Employees enrolled in Kaiser Permanente medical plans can earn Health Rewards up to $100 by completing a Fitbit challenge.

Get regular health checkups. Early diagnosis can result in a quicker return to good health and save you money by treating conditions before they turn into large claims. JLL covers in-network preventive exams 100 percent.

Increase physical activity. Exercise can help improve your quality of life and offset the rise of healthcare costs. Just 30 minutes of moderate exercise a day can improve your personal health.

(Continued on the next page)

Tips for saving on healthcare costs and getting healthyYou have the power to reduce your healthcare costs. Here are just a few ways you can take action to save money and get healthy:

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Enroll in a medical plan with a Health Savings Account. Elect a medical plan with an HSA and receive a $600 (single) or $1,200 (plus one or family) annual contribution to your Health Savings Account to pay for healthcare costs. Your own contributions to your HSA lower your tax withholding.

Don’t smoke or use tobacco. To receive a significant reduction in your medical plan premium, take the “My Health My Pledge,” not to use tobacco. If you do not elect and fulfill the pledge, you will not receive the 2018 premium savings. Your 2017 pledge election will not carry over.

Fill prescriptions with generic equivalents. Generics and name brand drugs typically have the same active ingredients, strength and dosage, but a generic is, on average, one-third the cost of a name brand drug.

Be a better consumer of JLL healthcare benefits.• Use the free health and wellness

coaching we offer to help manage a health risk or medical condition.

• Use in-network providers to get better coverage from your benefits. And UHC plans offer a Premium Provider network that can save you even more money.

• Ask your providers how much a procedure is going to cost, if the test the provider orders is necessary and whether there is a cheaper alternative or generic version of a medication.

• Find more info about where to go for care on the Annual Enrollment page at www.us.jll.com/openenrollment.

Know where to go for care

• You know to call 911 in an emergency, but that’s not always the level of care you need. Knowing where to go can save you time and money.

• Use the myHealthcare Cost Estimator tool (UHC only) on myUHC.com to compare costs for the care you need before you go.

• Use myBluePrint4Health for clinical information 24/7. This concierge service for all the health and wellness needs of JLL employees and dependents on the UHC plan gives you access to registered nurses, dietitians, wellness coaches and nurses specializing in treatment, chronic conditions, maternity and more. To get started, call 800-996-2057.

• Whenever possible, visit myUHC.com to compare costs for the care you need before you go. You may pay a different amount depending on where you go for care. Remember, high cost doesn’t necessarily mean high quality. Consider a Virtual Visit when your doctor is unavailable if you need care but it’s not an emergency situation; the average visit cost is just $40–50.

Tips for saving on healthcare costs and getting healthy(Continued)

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EligibilityTo review your benefits eligibility, see the Benefits Summary Guide on the My Total Rewards portal at http://www.jll.com/mytotalrewards.Don’t forget about the great benefits that you can take advantage of outside of Annual Enrollment.• 401(k) Savings and

Retirement Plan• Adoption Assistance• Auto and Home Insurance

Discount• Back-up Child Care• Commuter Benefit Program• Employee Stock

Purchase Plan• JLL Parent Experience• Paid Time Off Purchase• Pet InsuranceNational, Regional and International Directors have additional enrollment options that are communicated outside of Annual Enrollment.• Deferred

Compensation Plan• GVUL Director Life Insurance• Supplemental Individual

Disability InsuranceFor more information, see the Benefits Summary Guide at www.us.jll.com/openenrollment.

1. Be sure to take action if you want to make changes to health or insurance benefits, add or remove dependents/beneficiaries, or participate in the “My Health My Pledge” Discount, Health Savings Accounts, Flexible Spending Accounts or Working Spouse/Domestic Partner Surcharge.

2. Review your current JLL benefits selections and make sure they still fit your life and goals.

3. Review your dependents and make any desired changes.

4. Make your elections during annual enrollment, October 16 through November 3, 2017.

5. To enroll in or make changes to your existing plans, visit the My Total Rewards portal at http://www.jll.com/mytotalrewards, or call the Benefits Solutions Group at 866-580-7421.

6. Employees enrolled in UHC or Kaiser Permanente medical plans can choose to receive their Health Rewards as cash or as a contribution to your Health Savings Account (up to the allowable limit) to help pay for healthcare costs.

7. Access insurance carrier websites and phone numbers at the back of the Benefits Summary Guide at www.us.jll.com/openenrollment.

Important reminders

Have questions? Call the Benefits Solutions Group at 866-580-7421.

13 2018 Annual Enrollment GuideContact information

General benefits / enrollment questions Benefits Solutions Group 866-580-7421 www.jll.com/mytotalrewards.com

Health well-being

Benefit Vendor Phone Website

Medical & Prescription Drug Coverage UnitedHealthcare 800-996-2057 www.myuhc.com

Kaiser Permanente — California 800-464-4000 www.kp.org

Kaiser Permanente — Georgia 888-865-5813 www.kp.org

Kaiser Permanente — Oregon 800-813-2000 www.kp.org

Kaiser Permanente — Hawaii808-432-5955 (Oahu)800-966-5955 (from neighboring islands)

www.kp.org

HMSA — Hawaii 808-948-6372 www.hmsa.com

Kaiser Permanente — Mid Atlantic 800-777-7902 www.kp.org

Kaiser Permanente — Colorado

Denver/Boulder: 303-388-3800 (TTY: 303-338-3820) 800-632-9700

Northern Colorado: 800-632-9700 (TTY: 800-521-4874)Southern Colorado: 888-681-7878 (TTY : 800-521-4874)

www.kp.org

Kaiser Permanente — Washington 888-901-4636 www.kp.org

Vision VSP 800-877-7195 www.vsp.com

UnitedHealthcare 800-638-3120www.myuhc.com (enrolled in UHC medical)www.myuhcvision.com (Not enrolled in UHC medical)

Dental Delta Dental 800-323-1743 www.deltadentalil.com

Identity Theft InfoArmor 800-789-2720 www.infoarmor.com

Group Accident, Critical Illness and Hospital Indemnity

Aflac 800-433-3036 www.aflac.com

Employee Assistance Program GuidanceResources 800-272-7255 www.guidanceresources.com (Password: JLL101)