top 50 benefits

U S B E N E F I T S T O P 5 0
TOP 50 US Benefits
50 REASONS WHY
IT’S GREAT TO WORK FOR ORACLE
The purpose of this document is to highlight some of our most valuable US
benefits. The US Benefits and Perks listed here are subject to change. For a
complete list of coverage options and how they work, please be sure to
review the official plan documents.
FROM DAY ONE – YOU ARE COVERED
1. Immediate Eligibility: You are eligible for US Benefits on your first day of
active work, as long as you are a regular employee working at least 20
hours per week. There is no gap in coverage and no waiting period.
2. No Pre-Existing Condition Exclusion: There are no pre-existing condition
exclusions under our US medical plans.
3. Affordable Prescription Benefits: Affordable and comprehensive coverage
is included in all medical plans.
4. Subsidized Care: Oracle pays approximately 80% of the cost of coverage
across all plans.
5. Competitive Plan Designs: Oracle continuously benchmarks with our
peers in the Silicon Valley. Our plans are extremely competitive and are
highly rated when compared to other high technology companies.
6. Benefits Website and Resources: Oracle has a web page dedicated to
Benefits that includes plan descriptions, comparisons, FAQs, videos and
more. Visit the Oracle US Benefits Website at www.oraclebenefits.com.
7. Online Benefits Enrollment – Outside the Firewall: We know that benefits
are a family discussion. Therefore, our enrollment tool is available outside
the Oracle firewall. You can make your Oracle Benefit selections anywhere,
so long as you have access to the internet. Simply visit:
www.oraclebenefits.com.
8. Stanford Navigators: All Oracle employees and their families have access to
a web site with a variety of specialists and secondary health resources,
services, and amenities. In addition, Stanford Healthcare “Navigators” are
available to answer any questions or provide additional support and
resources at times of important healthcare needs, including helping you
connect with the right specialist in their network of providers around the
globe.
9. Medical Plan Support Programs: Included in Oracle’s medical plans are
programs that support specific conditions, such as cancer, infertility,

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asthma, transplant, pregnancy/maternity, neonatal, and congenital heart
disease. There is also a dedicated nurse to help you and/or family members
with chronic or serious conditions and 24 x 7 nurse- line. Programs vary
depending on the medical plan you select.
10. Single Sign On: Single Sign-On allows employees to access the US Benefits
Enrollment System by using their Oracle SSO credentials. Single Sign-On,
not only offers more convenience and allows you to access the US Benefits
Enrollment System without having to remember another password, but
leverages the security that SSO already promotes.
FLEXIBLE CHOICES TO MEET YOUR NEEDS
11. Medical Choices: Choice and variety is important because you and your
family have unique needs. Oracle offers several plans available in your
area. Depending on your location, you may have some additional regional
HMO options.
12. Dental and Vision Plans: You have the choice between two dental and
two vision plans. Under dental, we have a preventive care only plan and a
comprehensive dental plan that provides coverage for preventive, basic,
and major services. Orthodontia coverage for children and adults is also
available under the comprehensive plan. Both vision plans cover an annual
exam but you have a choice in terms of frequency of your glasses or contacts
benefit.
13. Out of Pocket Plan Maximums: All medical plans include a safety net
against catastrophic injury or illness that may result in high cost claims. The
plans’ calendar year out-of-pocket maximum varies between plans;
however, each plan limits the amount you will be required to pay each year.
Should you reach your annual out-of-pocket maximum; the plan will pay
100% of eligible expenses for the rest of the year.
14. Prescription Mail Order Program: Oracle’s medical plans provide the
opportunity to obtain maintenance prescriptions through the mail. This is
ideal for people who use maintenance medications – such as medicines for
cholesterol and high blood pressure. Using the mail order program saves
you money and is also convenient.
15. Sick Time: There is no bank of PTO for sick time that accrues. Sick time is
taken “as needed” and time off can be taken to care for yourself or an
immediate family member.
16. Time Off: Oracle offers paid time off for vacation and designated holidays.
Vacation is accrued based on your years of service. New hires can “borrow”
one week of vacation time to accommodate time off scheduled prior to
accruing the time needed. There are also eight designated paid holidays:
New Year’s Day, Martin Luther King, Jr. Day, Memorial Day, Independence
Day, Labor Day, Thanksgiving (two days), and Christmas.

17. American Well Telemedicine: See a Dr faster and easier online 24/7
through www.oracle.amwell.com
AS YOU WORK WITH US…
18. Business Travel Accident Insurance: Oracle provides Business Travel
Accident coverage when you are traveling on company business. If you are
taking a personal deviation from a business trip, you will also be covered
during this additional personal time – to a maximum of 14 days. You are
automatically enrolled in this plan and Oracle pays for 100% of the cost.
19. Pre-Tax Commuter Benefits: Commuter benefits provide the opportunity
to use pre-tax dollars to pay for eligible commute expenses. With this
benefit, you can reduce your Federal taxable income by using pre-tax
dollars (up to monthly maximum) to pay for transit passes and eligible
parking expenses, transit, van pool, and parking limits, order your passes
online, and pay your parking provider directly, automatically, or have
parking reimbursements deposited to your bank account
20. Service Time Counts: Your service date with an acquired company will be
used to calculate certain service-related benefits, such as vacation, 401(k)
vesting, and service awards.
21. Jury Duty: Paid time off while on Jury Duty for the duration of the trial.
22. Discounts and Perks: Oracle has partnered with many retailers and service
providers offering you access to discounts and special offers.
23. On-Site Services: Fitness Centers, Dry Cleaning, and Car Detailing are a few
of the on-site services that are available. Services and amenities vary by
campus location.
AS YOUR LIFE CHANGES…
24. Coverage for Your Eligible Same or Opposite Sex Domestic Partner: You
may cover your domestic partner for medical, dental, vision, life, and long
term care.
25. Adult Children Coverage: Oracle extends medical, dental, and vision
coverage for your children up to age 26 regardless of student or marital
status.
26. Child Care Discounts and Affiliations: Oracle has partnered with
KinderCare Learning Centers and Children’s Creative Learning Centers
(CCLC) to help support varying work-life balance needs.
27. Adoption Assistance: Oracle provides $3,000 adoption assistance which is
payable upon completion of a legally recognized adoption.
28. Autism Benefits: Oracle recognizes the unique needs for children with
autism and was one of the first companies in the Silicon Valley to introduce
specific coverage to address autism. Coverage includes speech,

occupational, and Applied Behavioral Analysis therapies – with no lifetime
maximum.
29. Life Insurance: Oracle’s life insurance benefits will help take care of your
loved ones in the event of your death. We offer coverage up to 6 x
compensation to a maximum of $2 million – and it’s a guarantee issue if
you are a new hire. That means you do not need to go through any medical
review. Oracle also covers the cost up to 2 x compensation. There are also
life insurance options for your spouse, domestic partner and children.
30. Accidental Death and Dismemberment (AD&D) Insurance: We offer
coverage up to 6 x compensation to a maximum of $2 million – and it’s a
guarantee issue if you are a new hire. That means you do not need to go
through any medical review. Oracle also covers the cost up to 2 x
compensation.
31. Short-Term Disability: Eligible employees are automatically enrolled in
short-term disability insurance at no cost. Employees who work in
California are automatically enrolled in Oracle’s Voluntary Plan - voluntary
disability insurance (VDI), Employees contribute into the Voluntary Plan or
California SDI through payroll deductions.
32. Long-Term Disability (LTD) Insurance: LTD coverage provides income
protection if you become totally disabled and cannot work – this benefit is
fully paid for by Oracle.
33. Long Term Care: Oracle offers a voluntary group Long Term Care plan that
is available to you, your spouse/domestic partner, parents and
grandparents at group rates. Long Term Care is also portable and you can
continue coverage should you leave Oracle.
34. Military Service Leave: Oracle supports our troops in offering paid Military
Leave for up to six months with an offset of military pay and with benefits
eligibility for up to seven months and annual reservist training for up to 10
business days is paid with no offset
35. Group Legal Plan: Voluntary group legal plan is available with many legal
matters covered at 100% when you work with a network attorney. Legal
includes ID theft protection services.
FINANCIAL FOCUS
36. 401(k) Plan with Match: You can contribute up to 40% of your eligible
compensation, up to the IRS dollar maximum, to Oracle’s 401(k) Plan.
Oracle contributes, on a per-paycheck basis, 50% of your first 6% of
contributions and is based upon your combined pre-tax/Roth 401(k)
deduction rate, up to an annual maximum of $5,100. Match dollars are fully
vested after four years of service.
37. Roth 401(k): Oracle offers a Roth after-tax 401(k) option as well as the
traditional pre-tax 401(k).
38. Designated Investment Options and Self-Directed Account: You may

invest in one or more of the designated investment options. If you are
interested in a much broader range of investment options, you can also
open a BrokerageLink self-directed brokerage account. Through
BrokerageLink you have access to an expanded universe of mutual funds,
stocks and fixed income investments.
39. 401(k) Loans: The 401(k) Plan also allows you to borrow from your
account. You may borrow up to 50% of your account balance and vested
company contributions. The minimum loan is $1,000 and the maximum is
$50,000. Repayment terms are up to five years; ten years if for the
purchase of a primary residence.
40. Tuition Reimbursement: Oracle supports continuing education as part of
employee training and development. With management approval, Oracle
will reimburse you for job-related coursework up to $5,250 per calendar
year.
41. Flexible Spending Accounts: Oracle offers a health care flexible spending
account and a dependent care flexible spending account to allow you use
pre-tax dollars to pay for certain eligible expenses as defined by the IRS.
42. High Deductible Health Plan w/Health Savings Account: Oracle offers an
IRS qualified high deductible medical plan that provides employees with
medical coverage and the opportunity to open and contribute to a health
savings account (HSA).
43. Oracle’s Contribution to the HSA: Although the IRS does not require
companies to contribute to an employee’s HSA, Oracle makes a
contribution to your HSA at the beginning of every year.
44. Employee Stock Purchase Plan (ESPP): The ESPP provides you opportunity
to purchase Oracle common stock at a discounted market price. You may
contribute up to 10% of your cash compensation (salary, bonus, and com-
mission) through payroll deductions.
45. Stock Options: If eligible, Oracle may offer you stock options.
46. Financial Planning Benefit: Oracle is pleased to offer a financial planning
benefit to help you with the complexities of personal financial planning.
This program is voluntary and designed to provide both personalized
telephonic and online resources for a variety of financial issues.
WELLNESS AND PREVENTION
47. Preventive Care is Covered at 100%: ALL Oracle medical plans cover
eligible preventive care services at 100% if received by network providers
48. Employee Assistance Program (EAP): Through the EAP, you receive six
free, face-to-face counseling sessions per person, per issue, per year with a
mental health specialist. This benefit is available to you and your eligible
family members — even dependents not covered on your medical plan.
Additional sessions are available and covered by Oracle’s UnitedHealthcare
medical plans.

49. Live and Work Well: The liveandworkwell.com website offers reliable
articles, resources and tools to help you manage your health and well-
being. The site is a resource for information about day-to-day issues.
LAST BUT NOT LEAST…
50. The Oracle Benefits Team: Great team of US Benefit Professionals to assist
you every step of the way. We have a wonderful staff waiting to answer
your Benefits questions. Reach them at Benefits_US@oracle.com
The US Benefits and Perks listed here are subject to change. For a
complete list of coverage options and how they work, please be
sure to review the official plan documents.

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