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<br /> 2008 Summary Plan Description<br /> Full-Time Hourly and<br /> Salaried Employees<br /> 2007 AND 2008 PLAN CHANGES<br /> To: All Benefit Eligible Employees<br /> From: Compensation and Benefits<br /> This booklet contains the Summary Plan Description (SPD) (previously referred to as Benefits<br /> Summary) for the Ryder System, Inc., Benefit Plans available to you. An electronic version of this<br /> booklet is available on the www.ryder.com website under “Employees”, then “Benefits Summary”.<br /> Your employee personnel number is required to access this document online.<br /> Your benefit package is a significant part of your total compensation package. Please take the<br /> time to read this booklet carefully and refer to it for answers to your questions on the benefit<br /> coverages provided to you by the Company.<br /> Each year Ryder reviews its benefit plans and may make changes or modifications to the<br /> coverage as appropriate to meet the needs of <a title="Ryder System Inc_00004506 page 1" href="http://viewer.zmags.com/publication/b468bf2f?page=1"> 2008 Summary Plan Description Full-</a> <a title="Ryder System Inc_00004506 page 2" href="http://viewer.zmags.com/publication/b468bf2f?page=2"> 2007 AND 2008 PLAN CHANGES To: All Benefit Eligi</a> <a title="Ryder System Inc_00004506 page 3" href="http://viewer.zmags.com/publication/b468bf2f?page=3"> 2007 AND 2008 PLAN CHANGES 2007 Plan Changes Me</a> <a title="Ryder System Inc_00004506 page 4" href="http://viewer.zmags.com/publication/b468bf2f?page=4"> 2007 AND 2008 PLAN CHANGES Flexible Spending Acc</a> <a title="Ryder System Inc_00004506 page 5" href="http://viewer.zmags.com/publication/b468bf2f?page=5"> 2007 AND 2008 PLAN CHANGES New Vision Insurance</a> <a title="Ryder System Inc_00004506 page 6" href="http://viewer.zmags.com/publication/b468bf2f?page=6"> INTRODUCTION Ryder System, Inc. Summary P</a> <a title="Ryder System Inc_00004506 page 7" href="http://viewer.zmags.com/publication/b468bf2f?page=7"> INTRODUCTION INTRODUCTION Your benefits make up</a> <a title="Ryder System Inc_00004506 page 8" href="http://viewer.zmags.com/publication/b468bf2f?page=8"> INTRODUCTION the extent there is any conflict bet</a> <a title="Ryder System Inc_00004506 page 9" href="http://viewer.zmags.com/publication/b468bf2f?page=9"> INTRODUCTION If you do not elect to participate </a> <a title="Ryder System Inc_00004506 page 10" href="http://viewer.zmags.com/publication/b468bf2f?page=10"> INTRODUCTION TABLE OF CONTENTS YOUR RYDER BENE</a> <a title="Ryder System Inc_00004506 page 11" href="http://viewer.zmags.com/publication/b468bf2f?page=11"> BENEFITS AT A GLANCE YOUR RYDER BENEFITS AT A GL</a> <a title="Ryder System Inc_00004506 page 12" href="http://viewer.zmags.com/publication/b468bf2f?page=12"> BENEFITS AT A GLANCE YOUR RYDER BENEFITS AT A GL</a> <a title="Ryder System Inc_00004506 page 13" href="http://viewer.zmags.com/publication/b468bf2f?page=13"> BENEFITS AT A GLANCE ELIGIBILITY Employees I</a> <a title="Ryder System Inc_00004506 page 14" href="http://viewer.zmags.com/publication/b468bf2f?page=14"> BENEFITS AT A GLANCE The child is under age 1</a> <a title="Ryder System Inc_00004506 page 15" href="http://viewer.zmags.com/publication/b468bf2f?page=15"> BENEFITS AT A GLANCE This means these benefits m</a> <a title="Ryder System Inc_00004506 page 16" href="http://viewer.zmags.com/publication/b468bf2f?page=16"> BENEFITS AT A GLANCE x If you are a newly hi</a> <a title="Ryder System Inc_00004506 page 17" href="http://viewer.zmags.com/publication/b468bf2f?page=17"> BENEFITS AT A GLANCE to birth, adoption or place</a> <a title="Ryder System Inc_00004506 page 18" href="http://viewer.zmags.com/publication/b468bf2f?page=18"> BENEFITS AT A GLANCE 3. You, your spouse and/o</a> <a title="Ryder System Inc_00004506 page 19" href="http://viewer.zmags.com/publication/b468bf2f?page=19"> BENEFITS AT A GLANCE You may decrease or termina</a> <a title="Ryder System Inc_00004506 page 20" href="http://viewer.zmags.com/publication/b468bf2f?page=20"> BENEFITS AT A GLANCE Transfers If you were prev</a> <a title="Ryder System Inc_00004506 page 21" href="http://viewer.zmags.com/publication/b468bf2f?page=21"> BENEFITS AT A GLANCE You may not change your pre</a> <a title="Ryder System Inc_00004506 page 22" href="http://viewer.zmags.com/publication/b468bf2f?page=22"> ADMINISTRATIVE INFORMATION ADMINISTRATIVE INFORM</a> <a title="Ryder System Inc_00004506 page 23" href="http://viewer.zmags.com/publication/b468bf2f?page=23"> ADMINISTRATIVE INFORMATION ADMINISTRATIVE INFORM</a> <a title="Ryder System Inc_00004506 page 24" href="http://viewer.zmags.com/publication/b468bf2f?page=24"> ADMINISTRATIVE INFORMATION Employer Identificati</a> <a title="Ryder System Inc_00004506 page 25" href="http://viewer.zmags.com/publication/b468bf2f?page=25"> ADMINISTRATIVE INFORMATION FUNDING OF BENEFITS </a> <a title="Ryder System Inc_00004506 page 26" href="http://viewer.zmags.com/publication/b468bf2f?page=26"> ADMINISTRATIVE INFORMATION x Divorce or lega</a> <a title="Ryder System Inc_00004506 page 27" href="http://viewer.zmags.com/publication/b468bf2f?page=27"> ADMINISTRATIVE INFORMATION Any election by a qua</a> <a title="Ryder System Inc_00004506 page 28" href="http://viewer.zmags.com/publication/b468bf2f?page=28"> ADMINISTRATIVE INFORMATION To be eligible for ad</a> <a title="Ryder System Inc_00004506 page 29" href="http://viewer.zmags.com/publication/b468bf2f?page=29"> ADMINISTRATIVE INFORMATION Health Insurance Port</a> <a title="Ryder System Inc_00004506 page 30" href="http://viewer.zmags.com/publication/b468bf2f?page=30"> ADMINISTRATIVE INFORMATION requiring the Plan an</a> <a title="Ryder System Inc_00004506 page 31" href="http://viewer.zmags.com/publication/b468bf2f?page=31"> ADMINISTRATIVE INFORMATION x Ryder System, I</a> <a title="Ryder System Inc_00004506 page 32" href="http://viewer.zmags.com/publication/b468bf2f?page=32"> ADMINISTRATIVE INFORMATION employment. If Ryder</a> <a title="Ryder System Inc_00004506 page 33" href="http://viewer.zmags.com/publication/b468bf2f?page=33"> ADMINISTRATIVE INFORMATION CIGNA PPO Core Dental</a> <a title="Ryder System Inc_00004506 page 34" href="http://viewer.zmags.com/publication/b468bf2f?page=34"> ADMINISTRATIVE INFORMATION For Payment: “Paymen</a> <a title="Ryder System Inc_00004506 page 35" href="http://viewer.zmags.com/publication/b468bf2f?page=35"> ADMINISTRATIVE INFORMATION The Plan may also use</a> <a title="Ryder System Inc_00004506 page 36" href="http://viewer.zmags.com/publication/b468bf2f?page=36"> ADMINISTRATIVE INFORMATION Military Activity a</a> <a title="Ryder System Inc_00004506 page 37" href="http://viewer.zmags.com/publication/b468bf2f?page=37"> ADMINISTRATIVE INFORMATION Information used for </a> <a title="Ryder System Inc_00004506 page 38" href="http://viewer.zmags.com/publication/b468bf2f?page=38"> ADMINISTRATIVE INFORMATION You have the right to</a> <a title="Ryder System Inc_00004506 page 39" href="http://viewer.zmags.com/publication/b468bf2f?page=39"> ADMINISTRATIVE INFORMATION The use and disclosur</a> <a title="Ryder System Inc_00004506 page 40" href="http://viewer.zmags.com/publication/b468bf2f?page=40"> ADMINISTRATIVE INFORMATION is sent to you until </a> <a title="Ryder System Inc_00004506 page 41" href="http://viewer.zmags.com/publication/b468bf2f?page=41"> ADMINISTRATIVE INFORMATION If you (or your autho</a> <a title="Ryder System Inc_00004506 page 42" href="http://viewer.zmags.com/publication/b468bf2f?page=42"> ADMINISTRATIVE INFORMATION If your claim involve</a> <a title="Ryder System Inc_00004506 page 43" href="http://viewer.zmags.com/publication/b468bf2f?page=43"> ADMINISTRATIVE INFORMATION If you request a revi</a> <a title="Ryder System Inc_00004506 page 44" href="http://viewer.zmags.com/publication/b468bf2f?page=44"> ADMINISTRATIVE INFORMATION If an extension is re</a> <a title="Ryder System Inc_00004506 page 45" href="http://viewer.zmags.com/publication/b468bf2f?page=45"> ADMINISTRATIVE INFORMATION x a statement </a> <a title="Ryder System Inc_00004506 page 46" href="http://viewer.zmags.com/publication/b468bf2f?page=46"> ADMINISTRATIVE INFORMATION documents, records or</a> <a title="Ryder System Inc_00004506 page 47" href="http://viewer.zmags.com/publication/b468bf2f?page=47"> ADMINISTRATIVE INFORMATION WHO TO SEND YOUR CLAI</a> <a title="Ryder System Inc_00004506 page 48" href="http://viewer.zmags.com/publication/b468bf2f?page=48"> ADMINISTRATIVE INFORMATION Remember, if you ha</a> <a title="Ryder System Inc_00004506 page 49" href="http://viewer.zmags.com/publication/b468bf2f?page=49"> ADMINISTRATIVE INFORMATION Enforce Your Rights </a> <a title="Ryder System Inc_00004506 page 50" href="http://viewer.zmags.com/publication/b468bf2f?page=50"> ADMINISTRATIVE INFORMATION Notice of Creditable </a> <a title="Ryder System Inc_00004506 page 51" href="http://viewer.zmags.com/publication/b468bf2f?page=51"> ADMINISTRATIVE INFORMATION go 19 months without </a> <a title="Ryder System Inc_00004506 page 52" href="http://viewer.zmags.com/publication/b468bf2f?page=52"> ADMINISTRATIVE INFORMATION Notice of Non-Credita</a> <a title="Ryder System Inc_00004506 page 53" href="http://viewer.zmags.com/publication/b468bf2f?page=53"> ADMINISTRATIVE INFORMATION You should also know </a> <a title="Ryder System Inc_00004506 page 54" href="http://viewer.zmags.com/publication/b468bf2f?page=54"> ADMINISTRATIVE INFORMATION Benefits Administrator</a> <a title="Ryder System Inc_00004506 page 55" href="http://viewer.zmags.com/publication/b468bf2f?page=55"> ADMINISTRATIVE INFORMATION Benefits Administrato</a> <a title="Ryder System Inc_00004506 page 56" href="http://viewer.zmags.com/publication/b468bf2f?page=56"> ADMINISTRATIVE INFORMATION Benefits Administrator</a> <a title="Ryder System Inc_00004506 page 57" href="http://viewer.zmags.com/publication/b468bf2f?page=57"> MEDICAL PLAN TABLE OF CONTENTS INTRODUCTION .</a> <a title="Ryder System Inc_00004506 page 58" href="http://viewer.zmags.com/publication/b468bf2f?page=58"> MEDICAL PLAN Out-of-Pocket Maximum</a> <a title="Ryder System Inc_00004506 page 59" href="http://viewer.zmags.com/publication/b468bf2f?page=59"> MEDICAL PLAN Multiple Surgical Pr</a> <a title="Ryder System Inc_00004506 page 60" href="http://viewer.zmags.com/publication/b468bf2f?page=60"> MEDICAL PLAN Employee Assistance Progra</a> <a title="Ryder System Inc_00004506 page 61" href="http://viewer.zmags.com/publication/b468bf2f?page=61"> MEDICAL PLAN INTRODUCTION This section of your </a> <a title="Ryder System Inc_00004506 page 62" href="http://viewer.zmags.com/publication/b468bf2f?page=62"> MEDICAL PLAN Coverage Categories The Ryder Med</a> <a title="Ryder System Inc_00004506 page 63" href="http://viewer.zmags.com/publication/b468bf2f?page=63"> MEDICAL PLAN If You Choose No Coverage You may </a> <a title="Ryder System Inc_00004506 page 64" href="http://viewer.zmags.com/publication/b468bf2f?page=64"> MEDICAL PLAN Annual Enrollment If you elect cov</a> <a title="Ryder System Inc_00004506 page 65" href="http://viewer.zmags.com/publication/b468bf2f?page=65"> MEDICAL PLAN If you experience a Qualified Life </a> <a title="Ryder System Inc_00004506 page 66" href="http://viewer.zmags.com/publication/b468bf2f?page=66"> MEDICAL PLAN x You change to an ineligible s</a> <a title="Ryder System Inc_00004506 page 67" href="http://viewer.zmags.com/publication/b468bf2f?page=67"> MEDICAL PLAN HIGHLIGHTS OF THE RYDER SYSTEM MEDI</a> <a title="Ryder System Inc_00004506 page 68" href="http://viewer.zmags.com/publication/b468bf2f?page=68"> MEDICAL PLAN UHC Plus Plan cont’d </a> <a title="Ryder System Inc_00004506 page 69" href="http://viewer.zmags.com/publication/b468bf2f?page=69"> MEDICAL PLAN UHC Plus Plan cont’d P</a> <a title="Ryder System Inc_00004506 page 70" href="http://viewer.zmags.com/publication/b468bf2f?page=70"> MEDICAL PLAN UHC Core Plan P</a> <a title="Ryder System Inc_00004506 page 71" href="http://viewer.zmags.com/publication/b468bf2f?page=71"> MEDICAL PLAN UHC Core Plan cont’d Plan Feat</a> <a title="Ryder System Inc_00004506 page 72" href="http://viewer.zmags.com/publication/b468bf2f?page=72"> MEDICAL PLAN UHC Core Plan cont’d P</a> <a title="Ryder System Inc_00004506 page 73" href="http://viewer.zmags.com/publication/b468bf2f?page=73"> MEDICAL PLAN UHC Basic Plan </a> <a title="Ryder System Inc_00004506 page 74" href="http://viewer.zmags.com/publication/b468bf2f?page=74"> MEDICAL PLAN UHC Basic Plan cont’d Pl</a> <a title="Ryder System Inc_00004506 page 75" href="http://viewer.zmags.com/publication/b468bf2f?page=75"> MEDICAL PLAN UHC Basic Plan cont’d Pl</a> <a title="Ryder System Inc_00004506 page 76" href="http://viewer.zmags.com/publication/b468bf2f?page=76"> MEDICAL PLAN UHC Passive PPO Pla</a> <a title="Ryder System Inc_00004506 page 77" href="http://viewer.zmags.com/publication/b468bf2f?page=77"> MEDICAL PLAN UHC Passive PPO cont’d Plan</a> <a title="Ryder System Inc_00004506 page 78" href="http://viewer.zmags.com/publication/b468bf2f?page=78"> MEDICAL PLAN UHC Passive PPO cont’d Plan</a> <a title="Ryder System Inc_00004506 page 79" href="http://viewer.zmags.com/publication/b468bf2f?page=79"> MEDICAL PLAN Aetna Choice POS II Plan Adminis</a> <a title="Ryder System Inc_00004506 page 80" href="http://viewer.zmags.com/publication/b468bf2f?page=80"> MEDICAL PLAN Aetna Choice POS II </a> <a title="Ryder System Inc_00004506 page 81" href="http://viewer.zmags.com/publication/b468bf2f?page=81"> MEDICAL PLAN Aetna Choice POS II </a> <a title="Ryder System Inc_00004506 page 82" href="http://viewer.zmags.com/publication/b468bf2f?page=82"> MEDICAL PLAN Aetna Choice POS II </a> <a title="Ryder System Inc_00004506 page 83" href="http://viewer.zmags.com/publication/b468bf2f?page=83"> MEDICAL PLAN Travel and Lodging Benefit Maximum:</a> <a title="Ryder System Inc_00004506 page 84" href="http://viewer.zmags.com/publication/b468bf2f?page=84"> MEDICAL PLAN UHC Indemnity Plan Pl</a> <a title="Ryder System Inc_00004506 page 85" href="http://viewer.zmags.com/publication/b468bf2f?page=85"> MEDICAL PLAN UHC Indemnity Plan </a> <a title="Ryder System Inc_00004506 page 86" href="http://viewer.zmags.com/publication/b468bf2f?page=86"> MEDICAL PLAN Starbridge Sickness and Accident Pl</a> <a title="Ryder System Inc_00004506 page 87" href="http://viewer.zmags.com/publication/b468bf2f?page=87"> MEDICAL PLAN THE RYDER SYSTEM MEDICAL PLAN The </a> <a title="Ryder System Inc_00004506 page 88" href="http://viewer.zmags.com/publication/b468bf2f?page=88"> MEDICAL PLAN Lifetime Maximum The lifetime maxi</a> <a title="Ryder System Inc_00004506 page 89" href="http://viewer.zmags.com/publication/b468bf2f?page=89"> MEDICAL PLAN x You pay a $30 co-pay for visi</a> <a title="Ryder System Inc_00004506 page 90" href="http://viewer.zmags.com/publication/b468bf2f?page=90"> MEDICAL PLAN x You pay a 20% co-insurance af</a> <a title="Ryder System Inc_00004506 page 91" href="http://viewer.zmags.com/publication/b468bf2f?page=91"> MEDICAL PLAN When you use providers who do not p</a> <a title="Ryder System Inc_00004506 page 92" href="http://viewer.zmags.com/publication/b468bf2f?page=92"> MEDICAL PLAN HOW THE AETNA CHOICE POS II PLAN WO</a> <a title="Ryder System Inc_00004506 page 93" href="http://viewer.zmags.com/publication/b468bf2f?page=93"> MEDICAL PLAN HEALTH MAINTENANCE ORGANIZATION (HM</a> <a title="Ryder System Inc_00004506 page 94" href="http://viewer.zmags.com/publication/b468bf2f?page=94"> MEDICAL PLAN x Deductibles, co-insurance and</a> <a title="Ryder System Inc_00004506 page 95" href="http://viewer.zmags.com/publication/b468bf2f?page=95"> MEDICAL PLAN Example: Birthdate: Mother: </a> <a title="Ryder System Inc_00004506 page 96" href="http://viewer.zmags.com/publication/b468bf2f?page=96"> 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Inc_00004506 page 103" href="http://viewer.zmags.com/publication/b468bf2f?page=103"> MEDICAL PLAN United Healthcare x Osteoplast</a> <a title="Ryder System Inc_00004506 page 104" href="http://viewer.zmags.com/publication/b468bf2f?page=104"> MEDICAL PLAN United Healthcare Hospice Care Ho</a> <a title="Ryder System Inc_00004506 page 105" href="http://viewer.zmags.com/publication/b468bf2f?page=105"> MEDICAL PLAN United Healthcare Private Duty Nur</a> <a title="Ryder System Inc_00004506 page 106" href="http://viewer.zmags.com/publication/b468bf2f?page=106"> MEDICAL PLAN United Healthcare Speech Therapy </a> <a title="Ryder System Inc_00004506 page 107" href="http://viewer.zmags.com/publication/b468bf2f?page=107"> MEDICAL PLAN United Healthcare D. Abse</a> <a title="Ryder System Inc_00004506 page 108" href="http://viewer.zmags.com/publication/b468bf2f?page=108"> MEDICAL PLAN United Healthcare x Medical su</a> <a title="Ryder System Inc_00004506 page 109" href="http://viewer.zmags.com/publication/b468bf2f?page=109"> MEDICAL PLAN UnitedHealthcare Surgi</a> <a title="Ryder System Inc_00004506 page 110" href="http://viewer.zmags.com/publication/b468bf2f?page=110"> MEDICAL PLAN United Healthcare General super</a> <a title="Ryder System Inc_00004506 page 111" href="http://viewer.zmags.com/publication/b468bf2f?page=111"> MEDICAL PLAN </a> <a title="Ryder System Inc_00004506 page 112" href="http://viewer.zmags.com/publication/b468bf2f?page=112"> MEDICAL PLAN </a> <a title="Ryder System Inc_00004506 page 113" href="http://viewer.zmags.com/publication/b468bf2f?page=113"> MEDICAL PLAN </a> <a title="Ryder System Inc_00004506 page 114" href="http://viewer.zmags.com/publication/b468bf2f?page=114"> MEDICAL PLAN United Healthcare reimbursed by Co</a> <a title="Ryder System Inc_00004506 page 115" href="http://viewer.zmags.com/publication/b468bf2f?page=115"> MEDICAL PLAN United Healthcare manner in which </a> <a title="Ryder System Inc_00004506 page 116" href="http://viewer.zmags.com/publication/b468bf2f?page=116"> MEDICAL PLAN United Healthcare ƒ That, if th</a> <a title="Ryder System Inc_00004506 page 117" href="http://viewer.zmags.com/publication/b468bf2f?page=117"> MEDICAL PLAN MANAGING MEDICAL EXPENSES </a> <a title="Ryder System Inc_00004506 page 118" href="http://viewer.zmags.com/publication/b468bf2f?page=118"> MEDICAL PLAN Aetna Choice POS II EMERGENCY CARE </a> <a title="Ryder System Inc_00004506 page 119" href="http://viewer.zmags.com/publication/b468bf2f?page=119"> MEDICAL PLAN Aetna Choice POS II In-Patient Ser</a> <a title="Ryder System Inc_00004506 page 120" href="http://viewer.zmags.com/publication/b468bf2f?page=120"> MEDICAL PLAN </a> <a title="Ryder System Inc_00004506 page 121" href="http://viewer.zmags.com/publication/b468bf2f?page=121"> MEDICAL PLAN Aetna Choice POS II Surgery needed</a> <a title="Ryder System Inc_00004506 page 122" href="http://viewer.zmags.com/publication/b468bf2f?page=122"> MEDICAL PLAN Aetna Choice POS II Home Health Ca</a> <a title="Ryder System Inc_00004506 page 123" href="http://viewer.zmags.com/publication/b468bf2f?page=123"> MEDICAL PLAN </a> <a title="Ryder System Inc_00004506 page 124" href="http://viewer.zmags.com/publication/b468bf2f?page=124"> MEDICAL PLAN Aetna Choice POS II Covered charges</a> <a title="Ryder System Inc_00004506 page 125" href="http://viewer.zmags.com/publication/b468bf2f?page=125"> MEDICAL PLAN Aetna Choice POS II x Physical</a> <a title="Ryder System Inc_00004506 page 126" href="http://viewer.zmags.com/publication/b468bf2f?page=126"> MEDICAL PLAN Aetna Choice POS II ƒ Physical </a> <a title="Ryder System Inc_00004506 page 127" href="http://viewer.zmags.com/publication/b468bf2f?page=127"> MEDICAL PLAN AETNA CHOICE POS II WHAT THE AETN</a> <a title="Ryder System Inc_00004506 page 128" href="http://viewer.zmags.com/publication/b468bf2f?page=128"> MEDICAL PLAN Aetna Choice POS II Trea</a> <a title="Ryder System Inc_00004506 page 129" href="http://viewer.zmags.com/publication/b468bf2f?page=129"> MEDICAL PLAN </a> <a title="Ryder System Inc_00004506 page 130" href="http://viewer.zmags.com/publication/b468bf2f?page=130"> MEDICAL PLAN Aetna Choice POS II x Service</a> <a title="Ryder System Inc_00004506 page 131" href="http://viewer.zmags.com/publication/b468bf2f?page=131"> MEDICAL PLAN Aetna Choice POS II Should you see</a> <a title="Ryder System Inc_00004506 page 132" href="http://viewer.zmags.com/publication/b468bf2f?page=132"> MEDICAL PLAN Aetna Choice POS II equity, to wit</a> <a title="Ryder System Inc_00004506 page 133" href="http://viewer.zmags.com/publication/b468bf2f?page=133"> MEDICAL PLAN HIPAA REQUIREMENTS AND COVERAGE CE</a> <a title="Ryder System Inc_00004506 page 134" href="http://viewer.zmags.com/publication/b468bf2f?page=134"> MEDICAL PLAN Dependent Eligibility Dependents c</a> <a title="Ryder System Inc_00004506 page 135" href="http://viewer.zmags.com/publication/b468bf2f?page=135"> MEDICAL PLAN In most cases, hospitals will file </a> <a title="Ryder System Inc_00004506 page 136" href="http://viewer.zmags.com/publication/b468bf2f?page=136"> MEDICAL PLAN MANAGED MENTAL HEALTH PROGRAM For </a> <a title="Ryder System Inc_00004506 page 137" href="http://viewer.zmags.com/publication/b468bf2f?page=137"> MEDICAL PLAN Highlights of the Managed Mental He</a> <a title="Ryder System Inc_00004506 page 138" href="http://viewer.zmags.com/publication/b468bf2f?page=138"> MEDICAL PLAN HOW THE MANAGED MENTAL HEALTH PROGR</a> <a title="Ryder System Inc_00004506 page 139" href="http://viewer.zmags.com/publication/b468bf2f?page=139"> MEDICAL PLAN x EST; x Gambling programs </a> <a title="Ryder System Inc_00004506 page 140" href="http://viewer.zmags.com/publication/b468bf2f?page=140"> MEDICAL PLAN THE EMPLOYEE ASSISTANCE PROGRAM To</a> <a title="Ryder System Inc_00004506 page 141" href="http://viewer.zmags.com/publication/b468bf2f?page=141"> MEDICAL PLAN x Issues related to substance a</a> <a title="Ryder System Inc_00004506 page 142" href="http://viewer.zmags.com/publication/b468bf2f?page=142"> MEDICAL PLAN x Employees and dependents enro</a> <a title="Ryder System Inc_00004506 page 143" href="http://viewer.zmags.com/publication/b468bf2f?page=143"> MEDICAL PLAN THE STARBRIDGE SICKNESS AND ACCIDEN</a> <a title="Ryder System Inc_00004506 page 144" href="http://viewer.zmags.com/publication/b468bf2f?page=144"> MEDICAL PLAN Starbridge In addition to the In-h</a> <a title="Ryder System Inc_00004506 page 145" href="http://viewer.zmags.com/publication/b468bf2f?page=145"> MEDICAL PLAN Starbridge Pre-Existing Conditions</a> <a title="Ryder System Inc_00004506 page 146" href="http://viewer.zmags.com/publication/b468bf2f?page=146"> MEDICAL PLAN Starbridge Inpatient (Hospitalizat</a> <a title="Ryder System Inc_00004506 page 147" href="http://viewer.zmags.com/publication/b468bf2f?page=147"> MEDICAL PLAN Starbridge x Cosmetic surgery. </a> <a title="Ryder System Inc_00004506 page 148" href="http://viewer.zmags.com/publication/b468bf2f?page=148"> MEDICAL PLAN Starbridge x Questions should b</a> <a title="Ryder System Inc_00004506 page 149" href="http://viewer.zmags.com/publication/b468bf2f?page=149"> PRESCRIPTION PLAN TABLE OF CONTENTS INTRODUCTIO</a> <a title="Ryder System Inc_00004506 page 150" href="http://viewer.zmags.com/publication/b468bf2f?page=150"> PRESCRIPTION PLAN INTRODUCTION This section of </a> <a title="Ryder System Inc_00004506 page 151" href="http://viewer.zmags.com/publication/b468bf2f?page=151"> PRESCRIPTION PLAN Important Note You must elect m</a> <a title="Ryder System Inc_00004506 page 152" href="http://viewer.zmags.com/publication/b468bf2f?page=152"> PRESCRIPTION PLAN Important Note: The Benefits at</a> <a title="Ryder System Inc_00004506 page 153" href="http://viewer.zmags.com/publication/b468bf2f?page=153"> PRESCRIPTION PLAN Absence on Effective Date If</a> <a title="Ryder System Inc_00004506 page 154" href="http://viewer.zmags.com/publication/b468bf2f?page=154"> PRESCRIPTION PLAN Eligible retirees and COBRA pa</a> <a title="Ryder System Inc_00004506 page 155" href="http://viewer.zmags.com/publication/b468bf2f?page=155"> PRESCRIPTION PLAN Retirement If you retire from</a> <a title="Ryder System Inc_00004506 page 156" href="http://viewer.zmags.com/publication/b468bf2f?page=156"> PRESCRIPTION PLAN RIGHT TO CERTIFICATE OF CREDIT</a> <a title="Ryder System Inc_00004506 page 157" href="http://viewer.zmags.com/publication/b468bf2f?page=157"> PRESCRIPTION PLAN HIGHLIGHTS OF YOUR PRESCRIPTI</a> <a title="Ryder System Inc_00004506 page 158" href="http://viewer.zmags.com/publication/b468bf2f?page=158"> PRESCRIPTION PLAN Ca</a> <a title="Ryder System Inc_00004506 page 159" href="http://viewer.zmags.com/publication/b468bf2f?page=159"> PRESCRIPTION PLAN Car</a> <a title="Ryder System Inc_00004506 page 160" href="http://viewer.zmags.com/publication/b468bf2f?page=160"> PRESCRIPTION PLAN Brands and Generics Brand nam</a> <a title="Ryder System Inc_00004506 page 161" href="http://viewer.zmags.com/publication/b468bf2f?page=161"> PRESCRIPTION PLAN HOW THE PRESCRIPTION PROGRAM W</a> <a title="Ryder System Inc_00004506 page 162" href="http://viewer.zmags.com/publication/b468bf2f?page=162"> PRESCRIPTION PLAN When you fill a prescription a</a> <a title="Ryder System Inc_00004506 page 163" href="http://viewer.zmags.com/publication/b468bf2f?page=163"> PRESCRIPTION PLAN x You do not file any claim</a> <a title="Ryder System Inc_00004506 page 164" href="http://viewer.zmags.com/publication/b468bf2f?page=164"> PRESCRIPTION PLAN x Allergy Serums; x </a> <a title="Ryder System Inc_00004506 page 165" href="http://viewer.zmags.com/publication/b468bf2f?page=165"> PRESCRIPTION PLAN Through the Advanced Guideline</a> <a title="Ryder System Inc_00004506 page 166" href="http://viewer.zmags.com/publication/b468bf2f?page=166"> PRESCRIPTION PLAN To review your mail order pre</a> <a title="Ryder System Inc_00004506 page 167" href="http://viewer.zmags.com/publication/b468bf2f?page=167"> DENTAL PLAN TABLE OF CONTENTS INTRODUCTION ....</a> <a title="Ryder System Inc_00004506 page 168" href="http://viewer.zmags.com/publication/b468bf2f?page=168"> DENTAL PLAN INTRODUCTION This section of your S</a> <a title="Ryder System Inc_00004506 page 169" href="http://viewer.zmags.com/publication/b468bf2f?page=169"> DENTAL PLAN x Family – provides coverage for </a> <a title="Ryder System Inc_00004506 page 170" href="http://viewer.zmags.com/publication/b468bf2f?page=170"> DENTAL PLAN WHEN COVERAGE BEGINS New Hires If</a> <a title="Ryder System Inc_00004506 page 171" href="http://viewer.zmags.com/publication/b468bf2f?page=171"> DENTAL PLAN COST OF COVERAGE The Company pays </a> <a title="Ryder System Inc_00004506 page 172" href="http://viewer.zmags.com/publication/b468bf2f?page=172"> DENTAL PLAN Your dependents’ coverage ends on th</a> <a title="Ryder System Inc_00004506 page 173" href="http://viewer.zmags.com/publication/b468bf2f?page=173"> DENTAL PLAN THE RYDER SYSTEM DENTAL PLAN The Ry</a> <a title="Ryder System Inc_00004506 page 174" href="http://viewer.zmags.com/publication/b468bf2f?page=174"> DENTAL PLAN RYDER SYSTEM,INC.DENTAL PPO PLUS,DEN</a> <a title="Ryder System Inc_00004506 page 175" href="http://viewer.zmags.com/publication/b468bf2f?page=175"> DENTAL PLAN CIGNA Dental PPO Core Administered b</a> <a title="Ryder System Inc_00004506 page 176" href="http://viewer.zmags.com/publication/b468bf2f?page=176"> DENTAL PLAN CIGNA Dental Indemnity Administered </a> <a title="Ryder System Inc_00004506 page 177" href="http://viewer.zmags.com/publication/b468bf2f?page=177"> DENTAL PLAN HOW THE DENTAL PREFERRED PROVIDER OR</a> <a title="Ryder System Inc_00004506 page 178" href="http://viewer.zmags.com/publication/b468bf2f?page=178"> DENTAL PLAN x The lifetime orthodontia treat</a> <a title="Ryder System Inc_00004506 page 179" href="http://viewer.zmags.com/publication/b468bf2f?page=179"> DENTAL PLAN x Have your dentist complete an</a> <a title="Ryder System Inc_00004506 page 180" href="http://viewer.zmags.com/publication/b468bf2f?page=180"> DENTAL PLAN x Office visits during regular o</a> <a title="Ryder System Inc_00004506 page 181" href="http://viewer.zmags.com/publication/b468bf2f?page=181"> DENTAL PLAN Extractions x Uncomplicated; x</a> <a title="Ryder System Inc_00004506 page 182" href="http://viewer.zmags.com/publication/b468bf2f?page=182"> DENTAL PLAN x Injection of sclerosing agent </a> <a title="Ryder System Inc_00004506 page 183" href="http://viewer.zmags.com/publication/b468bf2f?page=183"> DENTAL PLAN Major Services Restorative x G</a> <a title="Ryder System Inc_00004506 page 184" href="http://viewer.zmags.com/publication/b468bf2f?page=184"> DENTAL PLAN x Partial denture repairs (metal</a> <a title="Ryder System Inc_00004506 page 185" href="http://viewer.zmags.com/publication/b468bf2f?page=185"> DENTAL PLAN A down payment of 25% of the total f</a> <a title="Ryder System Inc_00004506 page 186" href="http://viewer.zmags.com/publication/b468bf2f?page=186"> DENTAL PLAN x Elect coverage under the CIGNA</a> <a title="Ryder System Inc_00004506 page 187" href="http://viewer.zmags.com/publication/b468bf2f?page=187"> DENTAL PLAN WHAT THE CIGNA DENTAL PPO PLUS, THE </a> <a title="Ryder System Inc_00004506 page 188" href="http://viewer.zmags.com/publication/b468bf2f?page=188"> DENTAL PLAN x The tooth was not an abutment </a> <a title="Ryder System Inc_00004506 page 189" href="http://viewer.zmags.com/publication/b468bf2f?page=189"> DENTAL PLAN x Appliances, restorations or pr</a> <a title="Ryder System Inc_00004506 page 190" href="http://viewer.zmags.com/publication/b468bf2f?page=190"> DENTAL PLAN CIGNA MANAGED DENTAL PLAN HIGHLIGHTS</a> <a title="Ryder System Inc_00004506 page 191" href="http://viewer.zmags.com/publication/b468bf2f?page=191"> DENTAL PLAN HOW THE CIGNA MANAGED DENTAL PLAN WO</a> <a title="Ryder System Inc_00004506 page 192" href="http://viewer.zmags.com/publication/b468bf2f?page=192"> DENTAL PLAN x Cosmetic dentistry or cosmetic</a> <a title="Ryder System Inc_00004506 page 193" href="http://viewer.zmags.com/publication/b468bf2f?page=193"> DENTAL PLAN RYDER DENTAL PLAN CLAIMS CLAIMS FOR</a> <a title="Ryder System Inc_00004506 page 194" href="http://viewer.zmags.com/publication/b468bf2f?page=194"> DENTAL PLAN and you/your dependents apply to the</a> <a title="Ryder System Inc_00004506 page 195" href="http://viewer.zmags.com/publication/b468bf2f?page=195"> DENTAL PLAN By applying for benefits, you agree </a> <a title="Ryder System Inc_00004506 page 196" href="http://viewer.zmags.com/publication/b468bf2f?page=196"> VISION INSURANCE PLAN TABLE OF CONTENTS INTRODU</a> <a title="Ryder System Inc_00004506 page 197" href="http://viewer.zmags.com/publication/b468bf2f?page=197"> VISION INSURANCE PLAN INTRODUCTION This section</a> <a title="Ryder System Inc_00004506 page 198" href="http://viewer.zmags.com/publication/b468bf2f?page=198"> VISION INSURANCE PLAN ENROLLMENT You will rece</a> <a title="Ryder System Inc_00004506 page 199" href="http://viewer.zmags.com/publication/b468bf2f?page=199"> VISION INSURANCE PLAN - You have previously met </a> <a title="Ryder System Inc_00004506 page 200" href="http://viewer.zmags.com/publication/b468bf2f?page=200"> VISION INSURANCE PLAN If you are absent from wor</a> <a title="Ryder System Inc_00004506 page 201" href="http://viewer.zmags.com/publication/b468bf2f?page=201"> VISION INSURANCE PLAN VISION INSURANCE PLAN Ma</a> <a title="Ryder System Inc_00004506 page 202" href="http://viewer.zmags.com/publication/b468bf2f?page=202"> VISION INSURANCE PLAN COVERED VISION SERVICES </a> <a title="Ryder System Inc_00004506 page 203" href="http://viewer.zmags.com/publication/b468bf2f?page=203"> VISION INSURANCE PLAN III. Frame Benefi</a> <a title="Ryder System Inc_00004506 page 204" href="http://viewer.zmags.com/publication/b468bf2f?page=204"> VISION INSURANCE PLAN 4. To activate t</a> <a title="Ryder System Inc_00004506 page 205" href="http://viewer.zmags.com/publication/b468bf2f?page=205"> VISION INSURANCE PLAN WHEN YOU RECEIVE SERVICE</a> <a title="Ryder System Inc_00004506 page 206" href="http://viewer.zmags.com/publication/b468bf2f?page=206"> VISION INSURANCE PLAN EyeMed Vision Care will re</a> <a title="Ryder System Inc_00004506 page 207" href="http://viewer.zmags.com/publication/b468bf2f?page=207"> FLEXIBLE SPENDING ACCOUNTS TABLE OF CONTENTS I</a> <a title="Ryder System Inc_00004506 page 208" href="http://viewer.zmags.com/publication/b468bf2f?page=208"> FLEXIBLE SPENDING ACCOUNTS INTRODUCTION This se</a> <a title="Ryder System Inc_00004506 page 209" href="http://viewer.zmags.com/publication/b468bf2f?page=209"> FLEXIBLE SPENDING ACCOUNTS ENROLLMENT You will</a> <a title="Ryder System Inc_00004506 page 210" href="http://viewer.zmags.com/publication/b468bf2f?page=210"> FLEXIBLE SPENDING ACCOUNTS Types of Changes Allo</a> <a title="Ryder System Inc_00004506 page 211" href="http://viewer.zmags.com/publication/b468bf2f?page=211"> FLEXIBLE SPENDING ACCOUNTS contributions. If yo</a> <a title="Ryder System Inc_00004506 page 212" href="http://viewer.zmags.com/publication/b468bf2f?page=212"> FLEXIBLE SPENDING ACCOUNTS WHEN COVERAGE ENDS </a> <a title="Ryder System Inc_00004506 page 213" href="http://viewer.zmags.com/publication/b468bf2f?page=213"> FLEXIBLE SPENDING ACCOUNTS Important Note: You ca</a> <a title="Ryder System Inc_00004506 page 214" href="http://viewer.zmags.com/publication/b468bf2f?page=214"> FLEXIBLE SPENDING ACCOUNTS Eligible Health Care</a> <a title="Ryder System Inc_00004506 page 215" href="http://viewer.zmags.com/publication/b468bf2f?page=215"> FLEXIBLE SPENDING ACCOUNTS x Wigs, where nece</a> <a title="Ryder System Inc_00004506 page 216" href="http://viewer.zmags.com/publication/b468bf2f?page=216"> FLEXIBLE SPENDING ACCOUNTS x Jock Itch/Anti-f</a> <a title="Ryder System Inc_00004506 page 217" href="http://viewer.zmags.com/publication/b468bf2f?page=217"> FLEXIBLE SPENDING ACCOUNTS Ineligible Health Car</a> <a title="Ryder System Inc_00004506 page 218" href="http://viewer.zmags.com/publication/b468bf2f?page=218"> FLEXIBLE SPENDING ACCOUNTS Medical Equipment x </a> <a title="Ryder System Inc_00004506 page 219" href="http://viewer.zmags.com/publication/b468bf2f?page=219"> FLEXIBLE SPENDING ACCOUNTS If you are married, y</a> <a title="Ryder System Inc_00004506 page 220" href="http://viewer.zmags.com/publication/b468bf2f?page=220"> FLEXIBLE SPENDING ACCOUNTS x Centers that ca</a> <a title="Ryder System Inc_00004506 page 221" href="http://viewer.zmags.com/publication/b468bf2f?page=221"> FLEXIBLE SPENDING ACCOUNTS x Expense of a ch</a> <a title="Ryder System Inc_00004506 page 222" href="http://viewer.zmags.com/publication/b468bf2f?page=222"> FLEXIBLE SPENDING ACCOUNTS x The name of the</a> <a title="Ryder System Inc_00004506 page 223" href="http://viewer.zmags.com/publication/b468bf2f?page=223"> FLEXIBLE SPENDING ACCOUNTS The grace period doe</a> <a title="Ryder System Inc_00004506 page 224" href="http://viewer.zmags.com/publication/b468bf2f?page=224"> SHORT-TERM DISABILITY TABLE OF CONTENTS INTRODU</a> <a title="Ryder System Inc_00004506 page 225" href="http://viewer.zmags.com/publication/b468bf2f?page=225"> SHORT-TERM DISABILITY INTRODUCTION The Ryder Sy</a> <a title="Ryder System Inc_00004506 page 226" href="http://viewer.zmags.com/publication/b468bf2f?page=226"> SHORT-TERM DISABILITY If you do not make any cha</a> <a title="Ryder System Inc_00004506 page 227" href="http://viewer.zmags.com/publication/b468bf2f?page=227"> SHORT-TERM DISABILITY Absence on Effective Date </a> <a title="Ryder System Inc_00004506 page 228" href="http://viewer.zmags.com/publication/b468bf2f?page=228"> SHORT-TERM DISABILITY Coverage may also be termi</a> <a title="Ryder System Inc_00004506 page 229" href="http://viewer.zmags.com/publication/b468bf2f?page=229"> SHORT-TERM DISABILITY If you are disabled, recov</a> <a title="Ryder System Inc_00004506 page 230" href="http://viewer.zmags.com/publication/b468bf2f?page=230"> SHORT-TERM DISABILITY Puerto Rico Employees (Hou</a> <a title="Ryder System Inc_00004506 page 231" href="http://viewer.zmags.com/publication/b468bf2f?page=231"> SHORT-TERM DISABILITY This includes benefits to </a> <a title="Ryder System Inc_00004506 page 232" href="http://viewer.zmags.com/publication/b468bf2f?page=232"> SHORT-TERM DISABILITY SHORT-TERM DISABILITY LIMI</a> <a title="Ryder System Inc_00004506 page 233" href="http://viewer.zmags.com/publication/b468bf2f?page=233"> SHORT-TERM DISABILITY Important Note: If your i</a> <a title="Ryder System Inc_00004506 page 234" href="http://viewer.zmags.com/publication/b468bf2f?page=234"> SHORT-TERM DISABILITY x Surgery to treat a c</a> <a title="Ryder System Inc_00004506 page 235" href="http://viewer.zmags.com/publication/b468bf2f?page=235"> SHORT-TERM DISABILITY x 30 days or more for </a> <a title="Ryder System Inc_00004506 page 236" href="http://viewer.zmags.com/publication/b468bf2f?page=236"> SHORT-TERM DISABILITY x a reference to the s</a> <a title="Ryder System Inc_00004506 page 237" href="http://viewer.zmags.com/publication/b468bf2f?page=237"> LONG-TERM DISABILITY TABLE OF CONTENTS INTRODUC</a> <a title="Ryder System Inc_00004506 page 238" href="http://viewer.zmags.com/publication/b468bf2f?page=238"> LONG-TERM DISABILITY INTRODUCTION The Ryder Sys</a> <a title="Ryder System Inc_00004506 page 239" href="http://viewer.zmags.com/publication/b468bf2f?page=239"> LONG-TERM DISABILITY Annual Enrollment You may </a> <a title="Ryder System Inc_00004506 page 240" href="http://viewer.zmags.com/publication/b468bf2f?page=240"> LONG-TERM DISABILITY If you changed your coverag</a> <a title="Ryder System Inc_00004506 page 241" href="http://viewer.zmags.com/publication/b468bf2f?page=241"> LONG-TERM DISABILITY THE RYDER SYSTEM, INC. LONG</a> <a title="Ryder System Inc_00004506 page 242" href="http://viewer.zmags.com/publication/b468bf2f?page=242"> LONG-TERM DISABILITY DEFINITION OF DISABILITY </a> <a title="Ryder System Inc_00004506 page 243" href="http://viewer.zmags.com/publication/b468bf2f?page=243"> LONG-TERM DISABILITY If you do not make any chan</a> <a title="Ryder System Inc_00004506 page 244" href="http://viewer.zmags.com/publication/b468bf2f?page=244"> LONG-TERM DISABILITY If considered a continuatio</a> <a title="Ryder System Inc_00004506 page 245" href="http://viewer.zmags.com/publication/b468bf2f?page=245"> LONG-TERM DISABILITY Denial of Other Income Bene</a> <a title="Ryder System Inc_00004506 page 246" href="http://viewer.zmags.com/publication/b468bf2f?page=246"> LONG-TERM DISABILITY Self-Reported: Disabilitie</a> <a title="Ryder System Inc_00004506 page 247" href="http://viewer.zmags.com/publication/b468bf2f?page=247"> LONG-TERM DISABILITY x you are incurring expe</a> <a title="Ryder System Inc_00004506 page 248" href="http://viewer.zmags.com/publication/b468bf2f?page=248"> LONG-TERM DISABILITY SURVIVOR BENEFIT When the</a> <a title="Ryder System Inc_00004506 page 249" href="http://viewer.zmags.com/publication/b468bf2f?page=249"> LONG-TERM DISABILITY WHAT THE LTD PLAN DOES NOT </a> <a title="Ryder System Inc_00004506 page 250" href="http://viewer.zmags.com/publication/b468bf2f?page=250"> LONG-TERM DISABILITY Benefit Payments All payme</a> <a title="Ryder System Inc_00004506 page 251" href="http://viewer.zmags.com/publication/b468bf2f?page=251"> LIFE INSURANCE TABLE OF CONTENTS INTRODUCTION .</a> <a title="Ryder System Inc_00004506 page 252" href="http://viewer.zmags.com/publication/b468bf2f?page=252"> LIFE INSURANCE INTRODUCTION This section of you</a> <a title="Ryder System Inc_00004506 page 253" href="http://viewer.zmags.com/publication/b468bf2f?page=253"> LIFE INSURANCE Ryder Couples If both you and yo</a> <a title="Ryder System Inc_00004506 page 254" href="http://viewer.zmags.com/publication/b468bf2f?page=254"> LIFE INSURANCE If you don’t enroll on or before </a> <a title="Ryder System Inc_00004506 page 255" href="http://viewer.zmags.com/publication/b468bf2f?page=255"> LIFE INSURANCE Increasing Coverage Increases to</a> <a title="Ryder System Inc_00004506 page 256" href="http://viewer.zmags.com/publication/b468bf2f?page=256"> LIFE INSURANCE COST OF COVERAGE Ryder provides</a> <a title="Ryder System Inc_00004506 page 257" href="http://viewer.zmags.com/publication/b468bf2f?page=257"> LIFE INSURANCE x Your coverage ends, x Y</a> <a title="Ryder System Inc_00004506 page 258" href="http://viewer.zmags.com/publication/b468bf2f?page=258"> LIFE INSURANCE However, the amount of portable</a> <a title="Ryder System Inc_00004506 page 259" href="http://viewer.zmags.com/publication/b468bf2f?page=259"> LIFE INSURANCE AD&D Benefit Schedule If You Los</a> <a title="Ryder System Inc_00004506 page 260" href="http://viewer.zmags.com/publication/b468bf2f?page=260"> LIFE INSURANCE Disappearance The plan will pres</a> <a title="Ryder System Inc_00004506 page 261" href="http://viewer.zmags.com/publication/b468bf2f?page=261"> LIFE INSURANCE Child Care Benefit If the benefi</a> <a title="Ryder System Inc_00004506 page 262" href="http://viewer.zmags.com/publication/b468bf2f?page=262"> LIFE INSURANCE Age Reductions Employee Life Li</a> <a title="Ryder System Inc_00004506 page 263" href="http://viewer.zmags.com/publication/b468bf2f?page=263"> LIFE INSURANCE x An accidental dismemberment</a> <a title="Ryder System Inc_00004506 page 264" href="http://viewer.zmags.com/publication/b468bf2f?page=264"> LIFE INSURANCE ƒ Engaging in an activity or </a> <a title="Ryder System Inc_00004506 page 265" href="http://viewer.zmags.com/publication/b468bf2f?page=265"> LIFE INSURANCE Please note that if the benefits </a> <a title="Ryder System Inc_00004506 page 266" href="http://viewer.zmags.com/publication/b468bf2f?page=266"> 401 (k) SAVINGS PLAN TABLE OF CONTENTS INTRODU</a> <a title="Ryder System Inc_00004506 page 267" href="http://viewer.zmags.com/publication/b468bf2f?page=267"> 401(k) SAVINGS PLAN THIS</a> <a title="Ryder System Inc_00004506 page 268" href="http://viewer.zmags.com/publication/b468bf2f?page=268"> 401 (k) SAVINGS PLAN INTRODUCTION Ryder System</a> <a title="Ryder System Inc_00004506 page 269" href="http://viewer.zmags.com/publication/b468bf2f?page=269"> 401(k) SAVINGS PLAN When you enroll in the 401</a> <a title="Ryder System Inc_00004506 page 270" href="http://viewer.zmags.com/publication/b468bf2f?page=270"> 401 (k) SAVINGS PLAN x If you do not have </a> <a title="Ryder System Inc_00004506 page 271" href="http://viewer.zmags.com/publication/b468bf2f?page=271"> 401(k) SAVINGS PLAN PLAN HIGHLIGHTS Plan Feat</a> <a title="Ryder System Inc_00004506 page 272" href="http://viewer.zmags.com/publication/b468bf2f?page=272"> 401 (k) SAVINGS PLAN EMPLOYEES HIRED PRIOR TO JA</a> <a title="Ryder System Inc_00004506 page 273" href="http://viewer.zmags.com/publication/b468bf2f?page=273"> 401(k) SAVINGS PLAN x You can borrow up to 5</a> <a title="Ryder System Inc_00004506 page 274" href="http://viewer.zmags.com/publication/b468bf2f?page=274"> 401 (k) SAVINGS PLAN x Catch-up contribution </a> <a title="Ryder System Inc_00004506 page 275" href="http://viewer.zmags.com/publication/b468bf2f?page=275"> 401(k) SAVINGS PLAN If you leave the Company bef</a> <a title="Ryder System Inc_00004506 page 276" href="http://viewer.zmags.com/publication/b468bf2f?page=276"> 401 (k) SAVINGS PLAN x You may borrow up to </a> <a title="Ryder System Inc_00004506 page 277" href="http://viewer.zmags.com/publication/b468bf2f?page=277"> 401(k) SAVINGS PLAN You may make up to 2 withdra</a> <a title="Ryder System Inc_00004506 page 278" href="http://viewer.zmags.com/publication/b468bf2f?page=278"> 401 (k) SAVINGS PLAN IRS rules also require a </a> <a title="Ryder System Inc_00004506 page 279" href="http://viewer.zmags.com/publication/b468bf2f?page=279"> 401(k) SAVINGS PLAN investment option to the Ryd</a> <a title="Ryder System Inc_00004506 page 280" href="http://viewer.zmags.com/publication/b468bf2f?page=280"> 401 (k) SAVINGS PLAN INSIDER TRADING RESTRICTION</a> <a title="Ryder System Inc_00004506 page 281" href="http://viewer.zmags.com/publication/b468bf2f?page=281"> 401(k) SAVINGS PLAN INCORPORATION OF CERTAIN DOC</a> <a title="Ryder System Inc_00004506 page 282" href="http://viewer.zmags.com/publication/b468bf2f?page=282"> 401 (k) SAVINGS PLAN x Current Report on For</a> <a title="Ryder System Inc_00004506 page 283" href="http://viewer.zmags.com/publication/b468bf2f?page=283"> 401(k) SAVINGS PLAN x You can call Ryder Ben</a> <a title="Ryder System Inc_00004506 page 284" href="http://viewer.zmags.com/publication/b468bf2f?page=284"> 401 (k) SAVINGS PLAN x You die. The distrib</a> <a title="Ryder System Inc_00004506 page 285" href="http://viewer.zmags.com/publication/b468bf2f?page=285"> 401(k) SAVINGS PLAN 10% Penalty Tax The IRS imp</a> <a title="Ryder System Inc_00004506 page 286" href="http://viewer.zmags.com/publication/b468bf2f?page=286"> 401 (k) SAVINGS PLAN divorce, child support, ali</a> <a title="Ryder System Inc_00004506 page 287" href="http://viewer.zmags.com/publication/b468bf2f?page=287"> 401(k) SAVINGS PLAN Appendix A – Investment Opti</a> <a title="Ryder System Inc_00004506 page 288" href="http://viewer.zmags.com/publication/b468bf2f?page=288"> 401 (k) SAVINGS PLAN Fidelity Equity-Income Fund</a> <a title="Ryder System Inc_00004506 page 289" href="http://viewer.zmags.com/publication/b468bf2f?page=289"> 401(k) SAVINGS PLAN deduct a short-term trading </a> <a title="Ryder System Inc_00004506 page 290" href="http://viewer.zmags.com/publication/b468bf2f?page=290"> 401 (k) SAVINGS PLAN Who may want to invest: x </a> <a title="Ryder System Inc_00004506 page 291" href="http://viewer.zmags.com/publication/b468bf2f?page=291"> 401(k) SAVINGS PLAN Goal: Seeks to provide capit</a> <a title="Ryder System Inc_00004506 page 292" href="http://viewer.zmags.com/publication/b468bf2f?page=292"> 401 (k) SAVINGS PLAN </a> <a title="Ryder System Inc_00004506 page 293" href="http://viewer.zmags.com/publication/b468bf2f?page=293"> 401(k) SAVINGS PLAN </a> <a title="Ryder System Inc_00004506 page 294" href="http://viewer.zmags.com/publication/b468bf2f?page=294"> 401 (k) SAVINGS PLAN </a> <a title="Ryder System Inc_00004506 page 295" href="http://viewer.zmags.com/publication/b468bf2f?page=295"> 401(k) SAVINGS PLAN Appendix B – Investment Opti</a> <a title="Ryder System Inc_00004506 page 296" href="http://viewer.zmags.com/publication/b468bf2f?page=296"> RETIREMENT PLAN TABLE OF CONTENTS INTRODUCTIO</a> <a title="Ryder System Inc_00004506 page 297" href="http://viewer.zmags.com/publication/b468bf2f?page=297"> RETIREMENT PLAN INTRODUCTION When you retire, t</a> <a title="Ryder System Inc_00004506 page 298" href="http://viewer.zmags.com/publication/b468bf2f?page=298"> RETIREMENT PLAN COSTS Ryder pays the full co</a> <a title="Ryder System Inc_00004506 page 299" href="http://viewer.zmags.com/publication/b468bf2f?page=299"> RETIREMENT PLAN 20 $ 9,8</a> <a title="Ryder System Inc_00004506 page 300" href="http://viewer.zmags.com/publication/b468bf2f?page=300"> RETIREMENT PLAN A qualified military service l</a> <a title="Ryder System Inc_00004506 page 301" href="http://viewer.zmags.com/publication/b468bf2f?page=301"> RETIREMENT PLAN age 70½, or retire from Ryder. </a> <a title="Ryder System Inc_00004506 page 302" href="http://viewer.zmags.com/publication/b468bf2f?page=302"> RETIREMENT PLAN If payments begin at age: You</a> <a title="Ryder System Inc_00004506 page 303" href="http://viewer.zmags.com/publication/b468bf2f?page=303"> RETIREMENT PLAN x Individual Life Annuity,</a> <a title="Ryder System Inc_00004506 page 304" href="http://viewer.zmags.com/publication/b468bf2f?page=304"> RETIREMENT PLAN If your distribution qualifies</a> <a title="Ryder System Inc_00004506 page 305" href="http://viewer.zmags.com/publication/b468bf2f?page=305"> RETIREMENT PLAN Benefits may begin on the month </a> <a title="Ryder System Inc_00004506 page 306" href="http://viewer.zmags.com/publication/b468bf2f?page=306"> RETIREMENT PLAN effective January 1, 1991, wil</a> <a title="Ryder System Inc_00004506 page 307" href="http://viewer.zmags.com/publication/b468bf2f?page=307"> OTHER BENEFITS TABLE OF CONTENTS INTRODUCTION </a> <a title="Ryder System Inc_00004506 page 308" href="http://viewer.zmags.com/publication/b468bf2f?page=308"> OTHER BENEFITS INTRODUCTION This section of you</a> <a title="Ryder System Inc_00004506 page 309" href="http://viewer.zmags.com/publication/b468bf2f?page=309"> OTHER BENEFITS HOW THE PROGRAMS WORK HYATT LEG</a> <a title="Ryder System Inc_00004506 page 310" href="http://viewer.zmags.com/publication/b468bf2f?page=310"> OTHER BENEFITS exceeds the small claims court l</a> <a title="Ryder System Inc_00004506 page 311" href="http://viewer.zmags.com/publication/b468bf2f?page=311"> OTHER BENEFITS Document Preparation x Affida</a> <a title="Ryder System Inc_00004506 page 312" href="http://viewer.zmags.com/publication/b468bf2f?page=312"> OTHER BENEFITS x Uncontested Guardianship o</a> <a title="Ryder System Inc_00004506 page 313" href="http://viewer.zmags.com/publication/b468bf2f?page=313"> OTHER BENEFITS x Probate. Subject to applica</a> <a title="Ryder System Inc_00004506 page 314" href="http://viewer.zmags.com/publication/b468bf2f?page=314"> OTHER BENEFITS x Be under the age of 18, a</a> <a title="Ryder System Inc_00004506 page 315" href="http://viewer.zmags.com/publication/b468bf2f?page=315"> OTHER BENEFITS Forms that are incomplete or miss</a> <a title="Ryder System Inc_00004506 page 316" href="http://viewer.zmags.com/publication/b468bf2f?page=316"> OTHER BENEFITS WORK/LIFE BALANCE PROGRAM The W</a> <a title="Ryder System Inc_00004506 page 317" href="http://viewer.zmags.com/publication/b468bf2f?page=317"> OTHER BENEFITS The maximum credit hours for whic</a> <a title="Ryder System Inc_00004506 page 318" href="http://viewer.zmags.com/publication/b468bf2f?page=318"> OTHER BENEFITS RYDER SYSTEM FEDERAL CREDIT UNION</a> <a title="Ryder System Inc_00004506 page 319" href="http://viewer.zmags.com/publication/b468bf2f?page=319"> DEFINITIONS A number of words and phrases have a</a> <a title="Ryder System Inc_00004506 page 320" href="http://viewer.zmags.com/publication/b468bf2f?page=320"> DEFINITIONS Beneficiary: the person or persons d</a> <a title="Ryder System Inc_00004506 page 321" href="http://viewer.zmags.com/publication/b468bf2f?page=321"> DEFINITIONS Continuation coverage: when health</a> <a title="Ryder System Inc_00004506 page 322" href="http://viewer.zmags.com/publication/b468bf2f?page=322"> DEFINITIONS Dentist: any doctor of dental surg</a> <a title="Ryder System Inc_00004506 page 323" href="http://viewer.zmags.com/publication/b468bf2f?page=323"> DEFINITIONS Experimental or investigational serv</a> <a title="Ryder System Inc_00004506 page 324" href="http://viewer.zmags.com/publication/b468bf2f?page=324"> DEFINITIONS 3) It is licensed, certified or ap</a> <a title="Ryder System Inc_00004506 page 325" href="http://viewer.zmags.com/publication/b468bf2f?page=325"> DEFINITIONS Medically and psychologically necess</a> <a title="Ryder System Inc_00004506 page 326" href="http://viewer.zmags.com/publication/b468bf2f?page=326"> DEFINITIONS Non-participating provider: a health</a> <a title="Ryder System Inc_00004506 page 327" href="http://viewer.zmags.com/publication/b468bf2f?page=327"> DEFINITIONS Physical disease: an entity or proce</a> <a title="Ryder System Inc_00004506 page 328" href="http://viewer.zmags.com/publication/b468bf2f?page=328"> DEFINITIONS Primary care physician (PCP): the ph</a> <a title="Ryder System Inc_00004506 page 329" href="http://viewer.zmags.com/publication/b468bf2f?page=329"> DEFINITIONS x Any condition, disease, or d</a> <a title="Ryder System Inc_00004506 page 330" href="http://viewer.zmags.com/publication/b468bf2f?page=330"> DEFINITIONS Vesting (Vested): the process by w</a> <a title="Ryder System Inc_00004506 page 331" href="http://viewer.zmags.com/publication/b468bf2f?page=331"> RYDERSHARES TABLE OF CONTENTS INTRODUCTION ...</a> <a title="Ryder System Inc_00004506 page 332" href="http://viewer.zmags.com/publication/b468bf2f?page=332"> RYDERSHARES INTRODUCTION As an employee of Ryde</a> <a title="Ryder System Inc_00004506 page 333" href="http://viewer.zmags.com/publication/b468bf2f?page=333"> RYDERSHARES You are not eligible to participate </a> <a title="Ryder System Inc_00004506 page 334" href="http://viewer.zmags.com/publication/b468bf2f?page=334"> RYDERSHARES Regardless of the option you elect, </a> <a title="Ryder System Inc_00004506 page 335" href="http://viewer.zmags.com/publication/b468bf2f?page=335"> RYDERSHARES In this first example, the stock pri</a> <a title="Ryder System Inc_00004506 page 336" href="http://viewer.zmags.com/publication/b468bf2f?page=336"> RYDERSHARES • Notices of shareholder meetings • </a> <a title="Ryder System Inc_00004506 page 337" href="http://viewer.zmags.com/publication/b468bf2f?page=337"> RYDERSHARES Tax Notes For Canadian Employees Und</a> <a title="Ryder System Inc_00004506 page 338" href="http://viewer.zmags.com/publication/b468bf2f?page=338"> RYDERSHARES x The description of the Company’</a> <a title="Ryder System Inc_00004506 page 339" href="http://viewer.zmags.com/publication/b468bf2f?page=339"> RYDERSHARES RYDER SYSTEM</a> <a title="Ryder System Inc_00004506 page 340" href="http://viewer.zmags.com/publication/b468bf2f?page=340"> RYDERSHARES The date of thi</a> <a title="Ryder System Inc_00004506 page 341" href="http://viewer.zmags.com/publication/b468bf2f?page=341"> RYDERSHARES How to participate The Enrollment </a> <a title="Ryder System Inc_00004506 page 342" href="http://viewer.zmags.com/publication/b468bf2f?page=342"> RYDERSHARES A participating employee may choose </a> <a title="Ryder System Inc_00004506 page 343" href="http://viewer.zmags.com/publication/b468bf2f?page=343"> RYDERSHARES (a) to withdr</a> <a title="Ryder System Inc_00004506 page 344" href="http://viewer.zmags.com/publication/b468bf2f?page=344"> RYDERSHARES ADMINISTRATION OF THE PLAN The Plan</a> <a title="Ryder System Inc_00004506 page 345" href="http://viewer.zmags.com/publication/b468bf2f?page=345"> RYDERSHARES If a participating employee makes a </a> <a title="Ryder System Inc_00004506 page 346" href="http://viewer.zmags.com/publication/b468bf2f?page=346"> RYDERSHARES Since the Plan is not a stock, bonus</a> <a title="Ryder System Inc_00004506 page 347" href="http://viewer.zmags.com/publication/b468bf2f?page=347"> RYDERSHARES Act as "a person that directly, or i</a> <a title="Ryder System Inc_00004506 page 348" href="http://viewer.zmags.com/publication/b468bf2f?page=348"> RYDERSHARES having been authorized by the Compan</a> <a title="Ryder System Inc_00004506 page 349" href="http://viewer.zmags.com/publication/b468bf2f?page=349"> SEVERANCE PLAN TABLE OF CONTENTS Article I - </a> <a title="Ryder System Inc_00004506 page 350" href="http://viewer.zmags.com/publication/b468bf2f?page=350"> SEVERANCE PLAN I. ARTICLE - INTRODUC</a> <a title="Ryder System Inc_00004506 page 351" href="http://viewer.zmags.com/publication/b468bf2f?page=351"> SEVERANCE PLAN Employer under Section 125 or 401</a> <a title="Ryder System Inc_00004506 page 352" href="http://viewer.zmags.com/publication/b468bf2f?page=352"> SEVERANCE PLAN x fraud, x intentional violatio</a> <a title="Ryder System Inc_00004506 page 353" href="http://viewer.zmags.com/publication/b468bf2f?page=353"> SEVERANCE PLAN 11. Termination of Employme</a> <a title="Ryder System Inc_00004506 page 354" href="http://viewer.zmags.com/publication/b468bf2f?page=354"> SEVERANCE PLAN An indefinite or temp</a> <a title="Ryder System Inc_00004506 page 355" href="http://viewer.zmags.com/publication/b468bf2f?page=355"> SEVERANCE PLAN release has been signed and the t</a> <a title="Ryder System Inc_00004506 page 356" href="http://viewer.zmags.com/publication/b468bf2f?page=356"> SEVERANCE PLAN the month of the Termination of E</a> <a title="Ryder System Inc_00004506 page 357" href="http://viewer.zmags.com/publication/b468bf2f?page=357"> SEVERANCE PLAN 2. No Additional Rights C</a> <a title="Ryder System Inc_00004506 page 358" href="http://viewer.zmags.com/publication/b468bf2f?page=358"> SEVERANCE PLAN 8. Financing. The severa</a> <a title="Ryder System Inc_00004506 page 359" href="http://viewer.zmags.com/publication/b468bf2f?page=359"> SEVERANCE PLAN The appeal must be submitted in w</a> <a title="Ryder System Inc_00004506 page 360" href="http://viewer.zmags.com/publication/b468bf2f?page=360"> SEVERANCE PLAN Receive a summary of the Plan's a</a> <a title="Ryder System Inc_00004506 page 361" href="http://viewer.zmags.com/publication/b468bf2f?page=361"> SEVERANCE PLAN OFFICIAL NAME OF THE PLAN: SPON</a> <a title="Ryder System Inc_00004506 page 362" href="http://viewer.zmags.com/publication/b468bf2f?page=362"> SEVERANCE PLAN The Plan Administrator keeps reco</a> <a title="Ryder System Inc_00004506 page 363" href="http://viewer.zmags.com/publication/b468bf2f?page=363"> SEVERANCE PLAN SCHEDULE A Eligible Non-Exempt </a> <a title="Ryder System Inc_00004506 page 364" href="http://viewer.zmags.com/publication/b468bf2f?page=364"> 2008 Benefits Summary Plan Description </a>