2022 US Mybenefits Guide

Helping
you thrive
2022 Benefits Guide

Helping you thrive
Money: Make it count............5 Did you know?
The myBenefits portal includes a Total
Rewards Statement summarizing all the
Body: Strive for health........13 great benefits you’re taking advantage of.
Mind: Find your balance....26 The myBenefits portal is your one-stop

shop for everything you need to know —
and do — about your benefits. Visit 1BLK
Life: Live more fully..............29 > My Resources > Benefits > myBenefits
portal to learn more.
What’s new for 2022?

• 401(k) after-tax contributions
(page 6)
• Ayco SurvivorSupport for

guidance after a loss (page 8)
• Core Health Savings PPO

medical plan with $0 employee-
only payroll deduction (page 14)
• Out-of-network outpatient
mental health care covered at
in-network level (page 17)
• SWORD virtual physical therapy

(page 20)
• Expanded flexible family-forming

benefits through Carrot Fertility
(page 31)
• Care.com backup child, elder and

pet care services and resources
(page 32)
• Rethink support for parents who

have children with special needs
(page 33)
BlackRock 2022 Benefits Guide 2

Benefits by
life stage
No matter where you are on your life’s journey, BlackRock has
resources to help you thrive.
Starting your career

Now that you’ve entered the workforce, you have access to a wide range of benefits to boost your
well-being, from student loan tools to medical and dental insurance to gym discounts. And it’s never
too early to start saving for your future.
A little bit goes a long way. Don’t leave free money on the Ask an expert. Ayco’s free financial
The earlier you start setting aside table. Contribute at least 8% of your coaching services can help you create
money for retirement, the more eligible compensation to the 401(k) a budget, pay down debt and devise
you reap the benefits of compound plan to take full advantage of the a game plan to meet your future
interest, and the faster your nest egg company match. See page 6. financial goals. See page 8.
can grow. See pages 6 and 7.
BlackRock 2022 Benefits Guide Looking for more information? Visit 1BLK > My Resources > Benefits > myBenefits portal. 3
Raising a family
We’re here to support you and your growing family every step of the way. You’ll find plenty of
resources to help as you start your family, like flexible family-forming benefits and the tools you
need to keep your family flourishing, like backup care and student loan assistance.
Help when you need it. Care.com offers access to a

network of backup child care providers, and BlackRock
subsidizes the cost. Their family support services can also
help you juggle it all. See page 32.
Know where to go. Cariloop’s care concierge service can

guide you through the many decisions you need to make
when you’re caring for a loved one, from managing a
diagnosis to finding a care provider and paying for it. See
page 33.
Consider tax advantages. A Health Savings Account

(HSA), available with the Health Savings PPO medical
plans, lets you set aside money for future health care needs
with tax-free contributions, tax-free earnings and tax-free
withdrawals. See page 21.
Preparing for retirement

Established in your career and ready to start looking ahead at life after work? With assistance from
your BlackRock benefits, you can ensure that your future years are as golden as you’ve always
envisioned them.
Catch up on your savings. If you’re 50 or older, you can

stash away even more in your 401(k) plan (an additional
$6,500 a year). If you’re 55 or older, boost your Health
Savings Account (an additional $1,000 per year) with
catch-up contributions. See pages 6 and 21.
Take your financial pulse. An Ayco financial coach can

help make sure you’re still on track to reach your retirement
goals. See page 8.
Plan for a healthy retirement. Speak to a counselor

who can help you find the right Medicare supplemental
plan on the retiree medical exchange before you retire.
See page 20.
Money
Make
it count
At BlackRock, we help people take control of their financial
security — and that applies just as much to you as it does to our
clients. We are invested in you and offer the tools you need to
build a sound financial future for yourself and your family.
Money: Make it count
401(k) plan
BlackRock believes that the 401(k) plan is one of the best ways for you to save for retirement. And
with the money we contribute to your account, you’ll see your 401(k) savings grow even faster.
Because this is such a powerful savings vehicle, new hires will be automatically enrolled 30 days after
your start date at a pre-tax contribution rate of 8% of your eligible compensation,* in the target date
fund closest to when you turn 65. Then, we’ll automatically increase your contributions by 1% each
year on your enrollment anniversary, up to 15% of your eligible compensation.*
You save, we help Save your way

As soon as you start saving, BlackRock will match 50% You can save in the 401(k) on a traditional pre-tax basis, a
of your 401(k) contributions up to 8% of your eligible Roth after-tax basis or through a combination of the two.
compensation,* capped at $5,000 annually. The This decision comes down to taxes: Do you want to pay now,
contribution is made on a per-paycheck basis. Once or do you want to pay later? If you reach the IRS limit, you
you reach three years of service at BlackRock, all can contribute an additional $10,000 on an after-tax basis.
contributions are yours to keep.
How much you can contribute
Tip!
You can choose how much you save, how much your
savings rate increases and how you invest — and you
Plan limit
50 % of your eligible
compensation*
$20,500
2022 IRS limit
can update those choices at any time. (pre-tax
and Roth
contributions)
$27,000
IRS limit If
you’re 50 or
older in 2022
(pre-tax
(combined standard and catch-up
and Roth
contribution limit)
contributions)
$10,000
After-tax limit
(if you reach
the IRS limit)
We give your retirement savings a Boost!
Once you complete one year of service, BlackRock will boost your savings
toward retirement by making a contribution each February that will range
from 3% to 5% of your eligible compensation.*
* Eligible compensation for this plan includes base salary, overtime, discretionary cash bonus and commissions.
Investment options
How involved you want to be with your 401(k) plan can help you choose the investments that are right for you.
Do it yourself Do it for me
Build your own portfolio BlackRock LifePath target date funds
Choose from a variety of investment options to create These professionally managed, diversified portfolios
a portfolio appropriate for your needs. You will need automatically adjust to a more conservative mix of
to monitor your investments over time and make any investments over time as you near retirement. Simply
necessary adjustments. choose the fund that is closest to the year you plan to retire.
You can make changes to how your current balance

and/or future contributions are invested at any time.1
You can also choose to use the Self-Directed Brokerage

Service, which gives you the opportunity to invest a portion
of your account in a number of exchange-traded funds
(ETFs) and mutual funds. Many BlackRock mutual funds
are available under special share classes with lower fees.
Did you know?

There are little to no
investment management
fees for the funds offered
in the 401(k) plan. Saving
on fees can help you save
even more in the long run.2
1. Transfers may be subject to possible redemption fees and/or certain restrictions on short-term trading.
2. See the fund information to learn more about these specific funds. There are fund-level administration fees capped at 0.01%–0.02% per year, and certain funds may be subject to applicable
securities lending fees.
Investing involves risk, including possible loss of principal. The principal value of a fund is not guaranteed at any time, including at and after the target date. Diversification may not protect against
market risk or loss of principal. You should consider the investment objectives, risks, charges and expenses of the funds carefully before investing. The prospectuses and, if available, the summary
prospectuses contain this and other information about the funds and are available, along with information on other BlackRock funds, by calling 800 882 0052 or at www.blackrock.com. The
prospectuses and, if available, the summary prospectuses should be read carefully before investing.
Free financial coaching

Feel better about your finances through the help of unlimited, objective and confidential
one-on-one financial coaching services through Ayco.
Ayco can help guide you to success in nearly every area

of financial planning, including: Ayco Marketplace
• Creating a budget • Planning for retirement Ayco's Marketplace provides
• Making investment decisions • Purchasing insurance access to a digital platform
• Paying off debt • Tax planning of financial solution partners,
including personal banking,
Ayco financial coaches can also help you optimize your BlackRock benefits to
student loans, insurance
make sure you’re getting the most from the resources we offer you. Get started
protection and charitable giving.
today by taking the financial assessment, and get your personalized action plan
to improve your financial fitness.
A 1:1 coaching session with an Ayco financial expert costs you nothing but can be invaluable to your future financial
well-being. Talk to a financial coach at any time, however often you want, for free.
Survivor support
Navigating the many financial decisions that
need to be made after the loss of a loved one
can be especially overwhelming while you
are grieving. Ayco’s team of SurvivorSupport
advisors provides specialized guidance
to help you gain clarity, confidence and
control over your financial picture through
a combination of one-on-one sessions,
personalized action plans and follow-up
support. Advisors can coordinate with
Human Resources, your family’s attorney,
accountant, insurance agent and brokers,
to help you make decisions on a wide range
of topics, including benefits and insurance
policies, Social Security, income taxes and
estate settlement. These services are offered
at no cost to you.
Employee Stock Purchase Plan

The Employee Stock Purchase Plan (ESPP)1 allows you to share in the ownership of the company
and its success. What’s more, you can purchase company stock at a 5% discount.
Enrollment Contributions
You have the opportunity to enroll prior to the start of each Enroll and contribute on an after-tax basis through
quarter. Then you accumulate contributions throughout the payroll deductions up to:
quarter which are used to purchase BlackRock shares.
Offering
date
Enrollment
deadline
Dates of payroll
deductions
Purchase
price date2
Limit
10% of your base salary
and commissions
Jan. 1
Apr. 1
Dec. 15
Mar. 15
Jan. 1–Mar. 31
Apr. 1–June 30
Mar. 31
June 30
Annual
maximum
$23,750
July 1 June 15 July 1–Sept. 30 Sept. 30
Oct. 1 Sept. 15 Oct. 1–Dec. 31 Dec. 31
Investing@BlackRock
Some BlackRock products are available to you and your family under special share class and
structures that result in lower fees for you. For example, you can purchase institutional shares
of BlackRock open-end funds. This share class has no sales charge and lower overall expenses.
How to invest Employee investment hotline!

Various BlackRock products are available directly through
a BlackRockDirect account or through various approved Get answers about BlackRock products
brokers or dealers. and help with opening accounts.
BlackRock open-end mutual fund shares are available 855 BLK 8500
only through a BlackRockDirect account, Charles Schwab, Monday–Friday,
Fidelity, Merrill Lynch or UBS. 8 a.m.–6 p.m. ET
1. Investing involves risk. Consult your financial advisor to determine whether this stock purchase plan makes sense for you.
2. The date may vary if the last day of the quarter is a non-business day.
Pay for college Did you know?

Education is a priority for many of you — and your children. CommonBond is an award-winning*
provider of student loan services, known
That’s why we offer programs to help make the process as
for lower rates and simplifying options.
easy and affordable as possible.
Student loans
Reduce student loan stress, save money, and build a better financial future for yourself — all at the same time. BlackRock
has partnered with consumer lender CommonBond to provide these free services for you and your family:
Loan refinancing Low-interest loans
Through refinancing, you can replace your existing loan Pay for your — or your child’s — education with a low-
with one at a lower interest rate, saving you money. As interest student loan from CommonBond. Loans are
a BlackRock employee, when you refinance through available for both undergraduate and graduate schooling.
CommonBond, you will receive a $500 cash bonus.
Parents wanting to refinance a Parent Direct PLUS loan are also eligible to take advantage of these benefits.
The Loan Simulator tool from the Department of Education's Office of Federal Student Aid can help you make informed
decisions about student loans, including borrowing simulations, repayment plans, consolidation options and more.
* Source: commonbond.co/about
529 plans
Save for your own or your child’s
education with the BlackRock
CollegeAdvantage 529 Plan
or the iShares 529 Plan. Start
investing in either plan with
as little as $25 per pay period
through payroll deductions;
otherwise, the minimum amount
for an automatic investment plan
through a checking or savings
account is $50 per month.
Individuals can contribute
$15,000, and married couples
can contribute $30,000 without
incurring a gift tax.
Save on everyday needs

You need to get to work every day, and you occasionally need to purchase electronics, clothes and
other goods. Why not save time and money by taking advantage of BlackRock’s commuting and
discount programs?
Commuter savings program Discounts@BlackRock

Pay for your daily commute to and from work with pre-tax Enjoy great deals that save you money throughout the year.
dollars from your paycheck.
The Discounts@BlackRock portal gives you access to
Set up an account with HealthEquity to pay for your daily negotiated corporate offers from companies such as
commute with pre-tax dollars (up to $280 per month) if you Apple, AT&T, Verizon and hundreds more. Deals are also
use public transit — train, subway, bus or ferry. You can also available for personal travel, apparel, computers, home
set aside pre-tax dollars (up to $280 per month) for eligible goods and more.
parking expenses. It’s a great way to make your commute
In addition, discounts on banking services are available
more affordable.
from a variety of BlackRock’s banking partners, including
If you’re in Denver, Santa Monica, Seattle or Wilmington, Bank of America, Bank of the West, Citibank, First Republic
reach out to contactHR at 10-8000, or visit 1BLK > My and PNC Bank.
Resources > Benefits > myBenefits portal for details on
special commuter arrangements.
Disability and life insurance

When it comes to protecting what matters most — you and your family — BlackRock’s got your back.
Disability income Life and AD&D insurance Specialty insurance

protection
Basic life insurance Critical illness insurance
Short term disability (STD)
BlackRock provides basic life Critical illness insurance provides a
After five continuous days of absence insurance coverage of one times lump-sum benefit if you are diagnosed
due to a qualified illness or injury, STD your base salary, rounded to the with a covered illness such as cancer,
replaces 100% of your base salary for nearest $10,000 and up to a $500,000 heart attack, stroke, Alzheimer’s
up to 180 days of disability. BlackRock maximum, at no cost to you. The disease and more. All benefits-eligible
pays the full cost. Reach out to value of the premium BlackRock employees receive $5,000 of coverage
contactHR to initiate a claim. pays on your behalf for any coverage automatically, at no cost to you. You
over $50,000 is considered imputed can purchase an additional $15,000
Long term disability (LTD) income, so the benefit will not be or $30,000 for yourself and 50% of
insurance taxable when paid to your beneficiary. your employee-paid coverage level
If you are unable to work due to a for your spouse and dependents.
qualified illness or injury for more Supplemental term life insurance
than 180 days, LTD insurance through Additional specialty insurances
You can purchase additional term
MetLife replaces 60% of your benefits- life insurance coverage for yourself, BlackRock also makes the following
eligible pay, up to $15,000 per month. your spouse or domestic partner, and employee-paid specialty insurances
BlackRock pays the full cost. The value your dependent children. Evidence of available to you:
of the premium BlackRock pays on your insurability (EOI) may be required.
• Pet insurance
behalf is considered imputed income,
• Employee: 1-8 times eligible pay,
so any monthly benefit you receive will • Group home and auto
up to a $5 million maximum
not be taxed. • Personal excess liability
• Spouse: Up to $250,000,
in $10,000 increments • Identity theft and credit monitoring
Supplemental long term
disability insurance • Child(ren): $10,000 or $20,000 • Group legal
Since LTD insurance is capped Visit 1BLK > My Resources >

Voluntary AD&D insurance
at $15,000 per month, you may Benefits > myBenefits portal
have a gap in coverage if your You can purchase accidental death for more information.
total compensation is greater than and dismemberment (AD&D) coverage
$300,000 and you become disabled. for yourself, your spouse or domestic
To offset this gap, BlackRock offers partner, and your dependent children
eligible employees the opportunity in the event of injury or death resulting
to purchase supplemental individual from an accident:
disability insurance (IDI) at a • Employee: 1-8 times base salary,
discounted rate through Unum. rounded to the next higher $10,000,
up to a $2 million maximum
• Spouse: 60% of your election,
up to a $750,000 maximum
• Child(ren): 20% of your election,
up to a $50,000 maximum
Body
Strive for
health
Focusing on your health and well-being helps you feel good and be
at your best — both now and in the future. BlackRock’s great selection
of medical, dental and vision plans, along with our comprehensive
physical well-being benefits, helps you stay active, eat better, feel
energized and find the care you need, whenever you need it.
Body: Strive for health
About our medical plans

To help you maintain your health and well-being, BlackRock ensures you always have access to the
highest-quality medical care. We offer several medical plans so you can find the right level of care to
meet your and your family’s needs. Each plan provides free in-network preventive care.
Core Health Savings Preferred Health Savings Preferred Provider

Provider Organization (PPO) Organization (PPO) Plus
WHO Anthem or UnitedHealthcare (UHC) WHO Anthem or UnitedHealthcare (UHC)
WHAT This plan allows you to visit both in-network and WHAT This plan allows you to visit both in-network and
out-of-network providers, but you save money when you out-of-network providers, but you save money when you stay
stay in-network. It comes with a Health Savings Account in-network. It comes with a Health Savings Account (HSA) to
(HSA) to help you pay for deductibles and coinsurance. help you pay for deductibles and coinsurance.
HOW IT WORKS When you need care, you'll pay the negotiated HOW IT WORKS When you need care, you’ll pay the negotiated
cost for services until you reach your deductible; then you'll cost for services until you reach your deductible; then you’ll
pay coinsurance until you reach the out-of-pocket maximum. pay coinsurance until you reach the out-of-pocket maximum.
STAR FEATURE Paycheck deductions are $0 for anyone enrolled STAR FEATURE The HSA helps you build tax-advantaged
in employee-only coverage. savings, and you get a contribution from BlackRock of
$700 for individual coverage and $1,400 if you cover family
KEEP IN MIND The plan is a Health Savings Account
members.*
(HSA)-eligible medical plan, but BlackRock does not
contribute to your HSA. If more than one person is covered by KEEP IN MIND If more than one person is covered by the plan,
the plan, the family deductible and out-of-pocket maximum the family deductible and out-of-pocket maximum will apply,
will apply, even if only one person is receiving care. even if only one person is receiving care.
PRESCRIPTIONS These are subject to the deductible and PRESCRIPTIONS These are subject to the deductible and
coinsurance, until you reach the out-of-pocket maximum. coinsurance, until you reach the out-of-pocket maximum. Note,
Note, however, that the deductible does not apply to however, that the deductible does not apply to medications
medications on the Express Scripts Preventive Medications on the Express Scripts Preventive Medications List. For those,
List. For those, you’ll pay only coinsurance. Use mail order you’ll pay only coinsurance. Use mail order or Smart90 through
or Smart90 through CVS pharmacies for a three-month CVS pharmacies for a three-month supply at a lower cost.
supply at a lower cost.
Tip!
The deductibles, coinsurance amounts and out-of-pocket maximums are the same for Anthem and UHC
plans. However, the negotiated rates can vary by plan and by location. For more information about which
health insurance provider has the stronger network — and, therefore, the best discounts — for your state, visit:
1BLK > MyResources > Benefits > myBenefits portal.
* Prorated for new hires
Traditional PPO
WHO Anthem or UnitedHealthcare (UHC)
WHAT This plan allows you to visit both in-network and

out-of-network providers. You are not required to have a
primary care physician or see network providers, but you
save money when you stay in-network. When you do need
care, either copays or deductible and coinsurance apply.
STAR FEATURE You can use a Health Care Flexible Spending

Account (FSA) to pay for eligible expenses.
KEEP IN MIND The services covered by our administrators —

Anthem or UnitedHealthcare — are the same. The only
difference is the network of providers.
PRESCRIPTIONS There are copays for generic, formulary

and non-formulary prescriptions. Mail order or Smart90
through CVS pharmacies is available for maintenance
medications at a lower cost for a three-month supply.
Exclusive Provider Organization Health Maintenance Organization

(EPO) (HMO)
WHO Anthem WHO Kaiser
WHAT This plan only allows you to access health care WHAT This plan only allows you to access health care from
from in-network providers. You are not required to select a network providers, and you are required to select a primary
primary care physician. When you do need care, you’ll pay a care physician. When you do need care, you’ll pay a set
set copay for services. copay for services.
STAR FEATURE You can use a Health Care Flexible Spending STAR FEATURE You can use a Health Care Flexible Spending
Account (FSA) to pay for eligible expenses. Account (FSA) to pay for eligible expenses.
KEEP IN MIND The EPO allows you to access health care KEEP IN MIND This plan is only available to employees with a
only from in-network physicians, facilities or other health California zip code.
care professionals. Out-of-network services are not covered
PRESCRIPTIONS There are copays for generic and formulary
except in the case of an emergency.
prescriptions.
PRESCRIPTIONS There are copays for generic, formulary
and non-formulary prescriptions. Mail order or Smart90
through CVS pharmacies is available for maintenance
medications at a lower cost for a three-month supply.
Did you know?
If you need help choosing a plan, your BlackRock
Health Assistant can help. Just give them a call at
855 726 5770.
When you enroll in a BlackRock medical plan, you have access to free in-network preventive care and
the convenience of telemedicine benefits.
Preventive care Telemedicine

Preventing disease and detecting health issues at an early Save time and money by calling a doctor — from your
stage are essential to feeling good, staying healthy and phone, tablet or computer. U.S.-based, board-certified
having a long, productive life. Make sure to schedule a doctors are available to diagnose and prescribe
wellness appointment with your physician. Get all physical medications, if appropriate, for minor health conditions
evaluations, immunizations, vaccines, lab work, X-rays and such as the common cold or flu, sinus problems, skin
screenings that are recommended for your age and gender. rashes and more. It’s available 24/7 to employees and
dependents covered by a BlackRock medical plan.
Remember, BlackRock’s medical plans cover in-network
preventive care at 100%.* This includes one free skin Pro tip: Download the app and register for the service now,
cancer screening per year. so you’ll be ready to go when you need it. Anthem members
should register at LiveHealthOnline.com. UHC members
can download the apps for either Doctor On Demand
or Amwell from the App Store or Google Play. UHC also
partners with Teladoc.
* Free preventive care coverage is based on United States Preventive Services Task Force guidelines.
Did you know?

You have 30 days following your start
date to select your benefits or waive
coverage. Otherwise, you will be
enrolled automatically in the Core
Health Savings PPO medical plan
with employee-only coverage. You
can change your benefits during
annual enrollment. You also have 30
days to make changes following a
personal or family situation change
— for example, if you get married,
establish a domestic partnership, get
divorced, your partner changes jobs
or you have (or adopt) a baby. You are
taxed on the value of benefits provided
to domestic partners; be sure to
update your status if you get married,
so the cost of coverage is no longer
subject to tax.
How do the plans compare?
Core Health Savings PPO Health Savings PPO Plus Traditional PPO EPO HMO
Anthem or UnitedHealthcare Anthem or UnitedHealthcare Anthem or UnitedHealthcare Anthem Kaiser (CA only)
In-Network Out-of-Network1 In-Network Out-of-Network1 In-Network Out-of-Network1 In-Network In-Network
Annual deductible $1,700 individual; $2,800 individual; $1,400 individual; $2,500 individual; $250 individual; $750 individual; None None
$3,400 family2 $5,600 family2 $2,800 family2 $5,000 family2 $750 family $2,250 family
BlackRock’s HSA N/A N/A $700 individual; $700 individual; N/A N/A N/A N/A
contribution3 $1,400 family $1,400 family
Annual $4,200 individual; $6,500 individual; $4,000 individual; $6,000 individual; $2,500 individual; $4,000 individual; $2,500 individual; $1,500 individual;
out-of-pocket $8,400 family2 $13,000 family2 $7,150 family2 $12,000 family2 $6,000 family $8,000 family $6,000 family $3,000 family
maximum
Paycheck $ $ $$ $$ $$$ $$$ $$$$ $$$

contribution
Well visits 100% covered 80% covered after 100% covered 80% covered after 100% covered 80% covered after 100% covered 100% covered
deductible deductible deductible
Office visits 90% covered after 80% covered after 90% covered after 80% covered after $25 copay for 80% covered after $20 copay for $10 copay for
deductible deductible deductible deductible non-specialist; deductible non-specialist; non-specialist
$40 copay for $30 copay for and specialist
specialist specialist
Telemedicine visits 90% covered after N/A 90% covered after N/A $15 copay N/A $15 copay $0–$10 copay
deductible deductible
Hospital inpatient 90% covered after 80% covered after 90% covered after 80% covered after 90% covered after 80% covered after $250 copay 100% covered
deductible deductible deductible deductible deductible deductible
Outpatient 90% covered after 80% covered after 90% covered after 80% covered after 90% covered after 80% covered after $50 copay $10 copay
surgery deductible deductible deductible deductible deductible deductible
Emergency room 90% covered after 90% covered after 90% covered after 90% covered after $100 copay $100 copay $100 copay $50 copay
(waived if admitted) deductible deductible deductible deductible
Urgent care 90% covered after 80% covered after 90% covered after 80% covered after $40 copay 80% covered after $35 copay $10 copay
deductible deductible deductible deductible deductible
Inpatient mental 90% covered after 80% covered after 90% covered after 80% covered after 90% covered after 80% covered after $250 copay 100% covered
health deductible deductible deductible deductible deductible deductible
Outpatient mental 100% covered 100% covered 100% covered 100% covered $25 copay $25 copay $20 copay $10 copay
health after deductible after deductible after deductible after deductible
1. Out-of-network care is subject to reasonable and customary limits. continued ›

2. Core Health Savings PPO and Health Savings PPO Plus deductibles and out-of-pocket maximums cross-apply. This means in-network care counts toward out-of-network accumulators and vice versa.
3. BlackRock’s HSA contribution is prorated for new hires.
Core Health Savings PPO Health Savings PPO Plus Traditional PPO EPO HMO
Anthem or UnitedHealthcare Anthem or UnitedHealthcare Anthem or UnitedHealthcare Anthem Kaiser (CA only)
In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network In-Network In-Network
Prescriptions Retail: After the Retail: 80% Retail: After the Retail: 80% Retail: Retail: 70% Retail: $5 copay for generic
deductible, you covered after deductible, you covered after • $10 copay for covered • $10 copay for or formulary brand,
pay 10% to a deductible pay 10% to a deductible generic Mail order: N/A generic up to a 100-day
maximum of: Mail order: N/A maximum of: Mail order: N/A • $30 copay for • $30 copay for
supply
• $10 for generic • $10 for generic
preferred brand preferred brand
• $30 for preferred • $30 for preferred • $50 copay for • $50 copay for
brand brand non-preferred non-preferred
• $50 for non- • $50 for non- brand, up to a brand, up to a
preferred brand, preferred brand, 30-day supply 30-day supply
up to a 30-day up to a 30-day
supply supply Mail order or CVS Mail order or CVS
Pharmacy: Pharmacy:
Mail order or CVS Mail order or CVS • $25 copay for • $25 copay for
Pharmacy: After Pharmacy: After generic generic
the deductible, the deductible, • $75 copay for • $75 copay for
you pay 10% to a you pay 10% to a
preferred brand preferred brand
maximum of: maximum of:
• $125 copay for • $125 copay for
• $25 for generic • $25 for generic
non-preferred non-preferred
• $75 for preferred • $75 for preferred
brand, up to a brand, up to a
brand brand 90-day supply 90-day supply
• $125 for non- • $125 for non-
preferred brand, preferred brand,
up to a 90-day up to a 90-day
supply supply
Medications Medications
on the Express on the Express
Scripts Preventive Scripts Preventive
Medications Medications
List bypass the List bypass the
deductible. Find deductible. Find
the list at 1BLK > the list at 1BLK >
My Resources > My Resources >
Benefits > Benefits >
myBenefits portal. myBenefits portal.
How much do the plans cost? Money-saving tip

On average, BlackRock pays 75-80% of the cost for medical plan coverage. Try Smart90, which allows you to pick up a 90-day supply of your
Your share depends on which salary bracket you’re in — the lower your prescription at CVS or Walgreens pharmacies at a reduced cost — equal to
income, the less you pay. For a complete comparison of all the medical the cost of a 75-day supply. Just ask your doctor for a 90-day supply when
plans, including the costs applicable to you, visit 1BLK >My Resources > they write your prescription.
Benefits > myBenefits portal.
Specialized support
Unless otherwise indicated, the health and well-being benefits described in this section do not
require you to be enrolled in a BlackRock medical plan to use them.
BlackRock Health Assistant On-demand primary care

Need help navigating the complex world of health care? The 98point6 app offers 24/7 access to a board-certified
BlackRock Health Assistant, operated by Grand Rounds physician via text. Your physician can diagnose and treat
(soon to be named Included Health), can help you: a range of conditions, order any necessary prescriptions
or lab tests, outline care options and answer any medical
• Select your BlackRock medical plan
questions you have. Download the app from the App Store
• Understand your benefits and how to best use
or Google Play to get started.
them, including coverage questions and help
resolving claim issues Doctor visits are available to all employees regardless of
medical plan enrollment, plus any dependents covered
• Find high-quality network providers for virtually
under a BlackRock medical plan. A $5 copay applies if you
any medical need
are in a Health Savings Account (HSA)-eligible medical plan.
• Get expert medical opinions, guidance and support
from leading specialists
• Make doctors’ appointments, transfer medical Did you know?

records or overcome obstacles to getting care,
BlackRock’s got your back when you’re traveling
such as arranging transportation
internationally for work. We offer 24/7 resources
What’s more, services are FREE to you and your through iSOS to help you with any medical or
family members, including spouse, children, security concern.
parents, parents-in-law and siblings!
MSK Direct cancer resource Virtual physical therapy

Through Memorial Sloan Kettering Cancer Center (MSK) SWORD is an app-based service that provides virtual
Direct, you and your family have access to expert cancer access to physical therapists who can help you develop a
treatment from one of the most advanced cancer treatment personalized musculoskeletal care plan. SWORD’s wearable
centers in the U.S. They can help you explore treatment sensors provide live feedback on your movements, allowing a
options or get a second opinion on a cancer diagnosis digital therapist to track your progress and correct your form
received from another doctor or hospital. in real time. All BlackRock employees are eligible for SWORD
at no cost. There is an annual limit of ten one-on-one video
If you live outside the New York area and don't want to
consultations with your SWORD physical therapist.
travel, MSK can also make a referral to a quality cancer
facility in your area. If you do travel, you may be eligible for
reimbursement through the travel and lodging benefit on Center for Health and Well-Being
the Anthem and UnitedHealthcare medical plans. MSK is an
in-network provider for both Anthem and UnitedHealthcare. BlackRock’s Center for Health and Well-Being in New York
offers same-day and walk-in appointments, all without
leaving the office. Copays, fees, deductibles, coinsurance
HSSConnect orthopedic and out-of-pocket costs depend on your plan, but they’ll
and musculoskeletal care typically be lower than a traditional, community-based
health care provider.
With HSSConnect, you and your family have facilitated
access to Hospital for Special Surgery (HSS) orthopedic and Note: This is open to all employees — even those traveling
musculoskeletal care specialists in New York. Specialized to NYC on business.
services include sports medicine, pain management,
physical therapy and joint replacement. You can get
expedited appointments and customized care plans by
Tip!
calling BlackRock’s dedicated line at 833 477 8500. Our The Center for Health and Well-Being is staffed
UnitedHealthcare and Anthem plans also provide a travel with a primary care physician, physical therapist
and lodging reimbursement benefit to individuals who and counselor. You can also have your prescriptions
travel to HSS for total joint replacements. delivered to the Center.
Retiree health care exchange

Exploring your health care options in retirement? We have
a special exchange for employees to enroll in a Medicare
supplemental plan in the month prior to your retirement.
Speak to a Mercer Marketplace 365 benefits counselor
who can help you find a Medicare supplemental plan in
the months prior to your retirement. Call 855 415 0143
for more details.
COVID-19
We remain committed to supporting you and your family as we navigate COVID-19 together. Please visit 1BLK >My
Resources > Benefits > myBenefits portal > Coronavirus Benefits Resources for the latest information and resources.
* Free preventive care coverage is based on United States Preventive Services Task Force guidelines.
Saving money on medical care

Savings and spending accounts
Savings and spending accounts allow you to set aside
The triple tax advantage of HSAs
pre-tax money to help pay for eligible health care expenses. At its core, an HSA is a savings account that lets you
pay for health care with tax-free dollars. But it’s also
The Health Savings Account (HSA), which is offered only
much more than that. An HSA is the only financial
with the Core Health Savings PPO and Health Savings
vehicle on the market that allows you to potentially
PPO Plus plans, gives you the option to spend on health
save on taxes not once, not twice, but three times.
expenses now, while also helping you to save and invest
for health expenses in the future. Pay no taxes on:
The Health Care Flexible Spending Account (FSA) allows • Money you contribute to the account*
you to pay for eligible medical, dental and vision expenses. • Money you take out of the account when used
for qualified health care expenses for you and
BlackRock also offers a Limited Purpose Flexible Spending
your dependents
Account (FSA) if you enroll in the Core Health Savings PPO
or Health Savings PPO Plus. It helps you pay for eligible • Money your account makes via interest or
out-of-pocket dental and vision expenses with pre-tax investments*
dollars. You can also use this account for medical expenses
Note: You cannot contribute to an HSA if you also
after you’ve met your medical plan’s annual deductible.
have money in a Health Care FSA, but you can
contribute to a Limited Purpose FSA (for dental
and vision expenses only).
* In California and New Jersey, state income taxes apply to your HSA contributions. For more information, consult your personal tax advisor.
Comparing health spending and savings accounts

Limited Purpose Health Care
Health Savings Flexible Spending Account Health Care Flexible
Account (HSA) (Limited Purpose FSA) Spending Account (FSA)
Medical plan alignment Only if enrolled in Core Health Only if enrolled in Core Health Available with Traditional PPO,
Savings PPO or Health Savings Savings PPO or Health Savings EPO and HMO
PPO Plus PPO Plus
Can be used for Out-of-pocket expenses for Out-of-pocket expenses that Out-of-pocket expenses
qualified health care items or are related to your dental that are not covered by your
services such as deductibles and vision benefits, such as medical, prescription, dental
and coinsurance now and in deductibles and copays and vision benefits, such as
the future deductibles and copays
Examples • Deductibles, coinsurance and • Deductibles, coinsurance and • Deductibles, coinsurance

copays under your medical, copays under your dental and and copays for your medical,
dental and vision plans vision plans dental and vision plans
• Prescription drugs • Eyeglasses/contact lenses • Prescription drugs
• Eyeglasses/contact lenses • Dental work • Eyeglasses/contact lenses
• Eligible medical expenses
above your medical plan’s
annual deductible
2022 maximum $3,650 individual; $2,750 $2,750

contribution1 $7,300 family
2022 maximum Health Savings PPO Plus only: N/A N/A

BlackRock contribution2 $700 individual; $1,400 family
Catch-up contribution3 $1,000 maximum N/A N/A
Deadlines N/A April 30, 2023, is the deadline April 30, 2023, is the deadline
to submit all claims incurred in to submit all claims incurred in
calendar year 2022 calendar year 2022
Financial benefits Triple tax advantage Tax-free withdrawals for Tax-free withdrawals for
(see page 21) qualified dental and vision qualified medical, dental
expenses and vision expenses
Availability of funds Funds are available as soon as Funds are available on the first Funds are available on the first
contributions are deposited day of coverage day of coverage
Use it or lose it No Yes ($570 rollover4) Yes ($570 rollover4)
Who owns it You do. You can take it with BlackRock BlackRock
you, even if you retire, change
jobs or change health plans.
Investment Yes, if account balance No No

feature5 exceeds $1,000
Administrator Bank of America HealthEquity HealthEquity
1. Includes employee and employer contributions

2. Prorated for new hires
3. Eligible for employees age 55 or older
4. Up to $570 of unused 2022 FSA funds will roll over to 2023. Any unused funds above $570 will be forfeited.
5. Full investment menu is available at 1BLK > My Resources > Benefits > myBenefits portal
Be your best self

BlackRock is committed to supporting you in all aspects of your well-being. You do not need to enroll
in a BlackRock medical plan to use the programs described here.
Virgin Pulse Healthy eating Gym discounts
Virgin Pulse is a well-being platform Reaching and maintaining a healthy BlackRock offers discounts at several
that helps you build healthy habits so weight is important for overall health. gyms across the country, including an
you can be more successful in your It can help you prevent and control Equinox subsidy. Some gym discounts
everyday life. Set your own personal many diseases and conditions. You are limited to a specific location, while
well-being goals, track your daily can get a discounted membership for others have multiple locations.
actions to make big changes WW (Weight Watchers) online to help
In addition, Active&Fit is a flexible,
over time, participate in fitness monitor what you eat, so you can stay
low-cost fitness program to help you
challenges with your friends and on track toward your eating goals.
stay in shape:
colleagues, earn points toward an
UHC and Anthem members have free
annual incentive reward, and more. • Select from 11,000+ fitness centers
access to Wondr Health, a 10-week
Download the app in the App Store or (including Anytime Fitness, Blink,
digital weight-loss program designed
Google Play to get started. Gold’s Gym, LA Fitness and Snap)
to help improve how and when you eat. for a $25 monthly fee, with the
Wellbeats, available in the Virgin ability to change anytime.
Pulse app, gives you access to a library
• Access 1,500 digital workout videos,
of over 500 virtual classes for any age
including daily workout classes on
or ability level, plus opportunities to
Facebook Live and YouTube.
earn Virgin Pulse points.
• Receive one-on-one lifestyle
coaching in areas such as fitness,
Learn more on myBenefits portal: 1BLK > My Resources > Benefits > nutrition, stress and sleep.
myBenefits portal > Body.
Thrive@BlackRock
Visit Thrive@BlackRock to learn
more about Virgin Pulse and
other resources to help you stay
active, healthy and resilient.
Dental coverage
BlackRock offers two dental plans — the Traditional DPPO and the DPPO Plus.
How they’re similar: Both are administered by MetLife, How they differ: The per-paycheck expense for the
provide access to in-network and out-of-network Traditional DPPO is lower than the DPPO Plus Plan.
providers, and cover three cleanings per year. Plus, Additionally, the Traditional DPPO does not cover
for either plan, BlackRock shares in the cost of dental orthodontia. The DPPO Plus, on the other hand, covers
expenses with you. orthodontia and affords you a higher annual maximum
(both in- and out-of-network). With the DPPO Plus,
a greater percentage of the cost of basic and major
services will be paid.
Comparing dental plans
Traditional DPPO (MetLife) DPPO Plus (MetLife)

In-Network Out-of-Network In-Network Out-of-Network
Choice of providers You decide whether to see an in-network or out-of-network provider each time you need care.
You do not need to select a primary care dentist.
How it works You typically pay You typically pay more You typically pay You typically pay more
less when you see when you see out-of- less when you see when you see out-of-
in-network providers network providers in-network providers network providers
Annual benefit maximum $1,000 $1,000 $3,000 $1,500
Your annual deductible $50 individual; $50 individual; $50 individual; $50 individual;
$150 family $150 family $150 family $150 family
Preventive: exam, X-rays 100% 80% 100% 80%
Basic: restorative, fillings* 80% 70% 100% 80%
Major: bridges, crowns, inlays* 50% 50% 60% 50%
Endodontics/periodontics* 50% 50% 60% 50%

(some services 80%) (some services 70%) (some services 100%) (some services 80%)
Orthodontics (adult and child) Not covered Not covered 50% 50%
Orthodontics lifetime maximum Not covered Not covered $3,000 $1,500
Out-of-network reimbursement N/A 51st percentile of R&C N/A 80th percentile of R&C
* Deductible applies
Vision coverage
BlackRock offers two vision plans — the Traditional VSP and the VSP Plus.
How they’re similar: Both are administered by Vision How they differ: Through the Traditional VSP, you have
Service Plan. On these plans, either contact lenses or access to a $200 annual in-network allowance for frames
glasses, but not both, are covered per calendar year. and contact lenses versus the VSP Plus, which offers a $300
Preventive retinal screenings and polycarbonate lenses annual in-network allowance.
are also covered at no cost through in-network coverage.
Discounts are available for laser correction surgery and for
hearing aids through TruHearing. You pay 100% of the cost
of vision coverage.
Traditional VSP VSP Plus
Choice of providers You decide if you want to see an in-network or out-of-network provider each time you need care
How it works You typically pay less when you see in-network providers
Exam (one per calendar year) $10 copay $10 copay
Lenses
Single-vision 100% covered after $20 copay 100% covered after $20 copay
Bifocal/trifocal 100% covered after $20 copay 100% covered after $20 copay
Tints 20% discount on VSP cost-controlled pricing 20% discount on VSP cost-controlled pricing
Polycarbonate 100% covered 100% covered after $20 copay
Frames Up to $200 allowance Up to $300 allowance
Contact lenses (one per calendar year) Up to $200 allowance Up to $300 allowance
For more information, including out-of-network coverage details, visit 1BLK > My Resources > Benefits > myBenefits portal >
Body > Dental & Vision.
Mind
Find your
balance
Emotional resilience is key to helping you thrive — in your
life and at work. Whether you’re looking for ways to handle
life’s many challenges, reduce your stress or boost your
happiness by helping others, BlackRock’s resources can
help you navigate all kinds of situations.
Mind: Find your balance
Support for all stages

At BlackRock, our vision is to make mental health a normal part of the everyday conversation
by integrating support into the daily experience. We understand that mental health rests on
a continuum and everyone moves through different stages of emotional well-being over the
course of their lives. Wherever you find yourself today, BlackRock offers benefits and resources
to help you maintain balance and thrive.
Mental Health Continuum
Healthy Stressed Struggling Crisis

• Normal mood • Nervous, irritable, sad • Anxious, angry, • High anxiety,
• Normal sleep patterns • Trouble sleeping hopeless depression
• Physically well • Tired / low energy • Disturbed sleep • Unable to sleep
• Socially active • Reduced social activity • Fatigued, aches, pains • Physically ill
• Social avoidance • Isolated
Virgin Pulse Thrive@BlackRock Flexible time off BlackRock Employee Assistance

(See page 23) Microsite (FTO) Medical Plans Program (EAP) thru
(See page 23) (See page 36) (See page 14) Spring Health
(See page 28)
Gym Discounts
(See page 23) Calm Mindfulness Employee Assistance Telemedicine:
App Program (EAP) thru Anthem & UHC
(See page 29) Spring Health members
Wondr Health
(See page 28) (See page 16)
(See page 23)
NYU Langone
WW (Weight
Behavioral Health
Watchers)
(See page 28)
(See page 23)
Medical leave
Social Impact
(See page 36)
Program
(See page 29)
Allies for mental health Emergency support
Our Mental Health Ambassador

If you or someone you know Is in crisis and needs
Program is a network of
immediate help, tell someone who can help right away
employees, representing
a broad cross-section of • Call your doctor’s office.
BlackRock businesses, • Call 911 for emergency services.
levels and locations, who • Go to the nearest hospital emergency room.
are dedicated to building
• Call the toll-free, 24-hourhotline of the National
awareness for mental health.
Suicide Prevention Lifeline at 1-800-273-TALK
Ambassadors are trained to
(1-800-273-8255) to be connected to a trained
listen and help you navigate the resources BlackRock offers
counselor at a suicide crisis center nearest you.
to support mental health. They can be identified by a badge
under their 1BLK directory photo, or you can search “Mental Ask a family member or friend to help you make
Health Ambassador” in 1BLK. these calls or take you to the hospital.
Someone to talk to
Along with preventive care, urgent care, lab testing and many other services, the New York on-site
Center for Health and Well-Being offers 12 free counseling sessions per year to BlackRock
employees. If you’re dealing with any personal challenges, finding someone to talk to is as simple
as going online, calling 10-0800 or just walking into the Center.
Spring Health mental wellness NYU Langone Behavioral

Spring Health, BlackRock's Employee Assistance Program Health Program
(EAP), offers a full spectrum of tools to help you prioritize
If you’re enrolled in a UnitedHealthcare or Anthem medical
mental wellness and feel your best. It's 100% confidential
plan, NYU Behavioral Health providers are considered
and offered at no cost to you and your dependents aged six
in-network. NYU providers can also provide tele-mental
and older, including:
health services to employees in New York, New Jersey,
• Personalized recommendations. Take easy assessments Connecticut, New Hampshire, Vermont, North Carolina,
to identify the right tools for you and to track your progress. Pennsylvania and Florida. Contact NYU at 855 698 6334,
• Dedicated support. Connect with a personal Care Monday through Friday, 8 a.m.–5 p.m. ET.
Navigator for personalized support and guidance.
• Therapy. The first six sessions each year are paid Talkspace
in full by BlackRock. In addition, Spring Health's
providers are in-network on BlackRock's Anthem and If you’re enrolled in a UnitedHealthcare medical plan,
UnitedHealthcare plans, so you can access additional Talkspace, which offers online therapy via text, audio or
sessions at a low cost. video, is now available with standard in-network behavioral
health coverage. Licensed therapists respond daily, five days
• Digital wellness exercises. Access exercises in
a week, with no appointment necessary, and can schedule
meditation, better sleep and more.
live video sessions when needed. Download the Talkspace
• Coaching. Get tips for managing stress, increasing your app in the App Store or Google Play to get started.
focus and more.
• Work-life services. Get a handle on situations causing

you stress, such as financial or legal difficulties.
Gender transition support

BlackRock is committed to cultivating and advancing diversity in all forms. Our goal is to ensure a supportive and
respectful workplace environment for all employees. For more information, visit the myBenefits portal to access
BlackRock's Gender Transition Guide. Or connect with the OUT & Allies employee network, your Human Resources
Business Partner, Employee Relations, the Diversity & Inclusion Team, or you can talk with your manager.
BlackRock's medical plans follow WPATH guidelines for transgender coverage, including surgery, prescriptions and
counseling options for you and your family.
Make an impact!
One sure way to boost your own well-being is to bring a little happiness to others. To help you reach
that goal, BlackRock offers opportunities for you to volunteer with and donate to the causes that
mean the most to you.
Volunteering Matching gifts and time Gives grants
Throughout the year, BlackRock BlackRock makes it easier for you to BlackRock supports local, employee-
sponsors volunteer events that are give back by matching your personal led Gives committees in our offices
open to all employees. You can also donations (up to $10,000 each year) around the world. Through Gives, we
organize volunteer opportunities to eligible charities dollar for dollar, as fund local nonprofit organizations
and post them on Benevity (our well as matching your volunteer time at nominated by employees in the
volunteering and matching-gifts $25 per hour. Board service, mentoring communities where we operate.
platform) to recruit your colleagues to and time spent volunteering are all You can support the nonprofits you
join the fun. Receive two paid days off eligible for match time. care about by nominating them
per year to volunteer, with manager for a Gives grant. Applications are
approval, for either a BlackRock- accepted annually, and all full-time
sponsored event or a personal cause. employees from any BlackRock office
can nominate an eligible nonprofit to
apply for a grant.
Get calm
The Calm app, available in the App
Store or Google Play, offers guided
meditation, stretch exercises, relaxing
music and bedtime stories, as well
as a kids' library for meditation and
relaxation. To get started, register with
your personal email address (or log in
to an existing account), then validate
your work email address or Employee
ID. Once complete, download the Calm
app and log in to your new account.
Life
Live more
fully
We want you to be as successful in your personal life as you are in your
work life. Our family support programs can help you start your family, care
for your kids or aging loved ones and more. And we encourage you to take
time away from work when you need it, whether it’s to rest and recharge or
to take care of yourself — or a family member — during an illness.
Life: Live more fully
Start a family on your terms

Our flexible family forming benefits are designed to help you grow your family in whatever way
works best for you. Through a partnership with Carrot Fertility, we offer inclusive fertility and
family-forming coverage for all paths to parenthood — adoption, gestational carrier support
(surrogacy), fertility treatments and preservation, pregnancy, and more.
All U.S. eligible employees and their partners have a $75,000 fertility benefit and a $75,000
adoption/surrogacy benefit through Carrot.1
Carrot’s dedicated Care Team is available to help guide To get started with the Carrot Fertility Plan, you must first
your journey and provide peace of mind every step of the enroll on the myBenefits portal, then seven days later you
way, including: may create an account and build your care plan. To get
started with the Carrot adoption/surrogacy benefit, create
• Personalized fertility and family-forming guidance
an account and get your free, personalized Carrot Plan.
• Unlimited virtual chat access to Carrot’s team of experts,
Reach out to Carrot’s Care Team with any questions.
including reproductive endocrinologists, urologists and
mental health professionals Note: Carrot is a third-party vendor independent of our
BlackRock medical plans. You do not need to be enrolled in
• Pregnancy support
a BlackRock medical plan to gain access to these benefits,
• Expedited appointments and discounts at top clinics but you and/or your spouse/domestic partner must
• Free consultations at adoption agencies have coverage under an ACA-compliant medical plan to
participate in the fertility benefit.
• Expert-approved educational resources
1. Carrot benefit maximums apply even if you exhausted prior fertility benefit maximums.
Listen up, expectant

and new parents.
Don’t forget to add your new addition
to your plan within 30 days.
To make changes:
Visit 1BLK > My Resources >

Benefits > myBenefits portal
Or call Alight Benefits

Administration at 866 446 4841
Support your family

Backup care Additional family support
When your regular arrangements for child care or elder care Care.com isn’t limited to backup child and elder care. Make
fall through, Care.com offers access to a network of fully life a little simpler with their family support services:
screened in-home providers and licensed child care centers. • LifeCare: Trained Care Specialists can support you with
And BlackRock subsidizes the cost, up to 30 days per child family care decisions, as well as provide access to helpful
per year (up to 40 days per year for children under online resources.
14 months).
• Specialized support: Access a wide range of services,
• In-home care: You pay $6 per hour. including housekeepers, personal assistants, pet
• In-center child care: You pay $15 per day per child. groomers, summer or vacation camps, and special-needs
caregivers.
If you prefer to use your own child care provider, you can
use any out-of-network caregiver or center and request • On-demand tutoring: Connect online with a tutor 24/7 at
reimbursement within 30 days — up to $125 per day for any no cost (up to five hours per month) and no appointment
amount above the standard backup care copays. necessary, plus use test prep and study tools.
• LifeMart: Get major discounts on thousands of products

Pets too. Pet backup care provides reimbursement for
and services nationwide.
short-term care while you work, up to 30 days per year (total
for all pets in your household). Care.com will reimburse you
up to $65 per day.
Inside Rx Pets
This program offers you discounts on prescriptions
for your four-legged family members at over 40,000
participating retail pharmacies. You must be enrolled
in a BlackRock medical plan to be eligible for this
program.
Call 800 722 8979
Or visit insiderxpets.com/?source=blackrock
for more details
Caregiving concierge Special needs program

If you’re caring for someone you consider family, Rethink’s digital platform supports parents raising
Cariloop’s dedicated care concierge can help you navigate children with learning and behavior challenges or
your loved one’s needs. Their on-demand platform offers developmental disabilities. Licensed clinicians can answer
access to a dedicated Care Coach who will guide you your questions and provide guidance on understanding
through the many decisions you make as a caregiver, and communicating with your child, as well as navigating
whether that’s searching for a day care provider, finding different types of care. The resource library also offers
a skilled nursing facility, figuring out how to pay for care, hundreds of easy-to-follow videos, printable materials
or managing a specific diagnosis. All Cariloop services are and on-demand web-based training tools.
offered at no cost to you.
Did you know?

If your dependent has a special need, MassMutual SpecialCareSM provides additional support — from understanding
government benefits programs to preparing trusts and guardianships and more.
Want to talk to someone who

understands?
BlackRock’s Families & Allies Network (FAB)
provides both educational and professional forums
where employees can share their experiences
balancing separate work and family lives.
In addition, the Ability & Allies Network (ABN)

provides a sense of community, advocacy, resources
and support for all types of disability-related issues
within the firm, including support for employees
caring for a loved one.
Working parents
Nursing Mothers Program Breast milk delivery
To help new mothers, BlackRock offers the support of the The Milk Stork service allows breastfeeding mothers to
Nursing Mothers Program. order Milk Stork kits online once the domestic business trip
has been planned. The kits can be shipped to your home or
The program provides:
hotel, and you can ship the milk home as needed or take it
• Free prenatal consultation that includes a
with you in a pharmaceutical-grade shipping cooler, at no
breastfeeding class over the phone, tips on what
cost to you.
to expect and a Nursing Mothers Program Kit
• Free 24/7 access to certified lactation consultants
• Free online educational and parenting tools Return-to-work infant care
• Discounts on breast pumps BlackRock offers access to 10 additional days of
high-quality, full-time backup care through Care.com
for children under 14 months of age who may not be
Nursing rooms
settled into full-time child care.
To support nursing mothers who have returned to work,
BlackRock provides a private location and time for mothers
to express breast milk. The private room, close to an
employee’s work area, includes an electrical outlet for the
use of a breast pump and a refrigerator. Most locations also
have hospital-grade breast pumps.
Dependent Care FSA

Use the Dependent Care FSA to
pay for eligible dependent care
expenses for children under
the age of 13, such as licensed
nursery schools, day care, after-
school care and summer day
camps, and also for elder care.
You can elect up to $5,000 per
year on a pre-tax basis, depending
on your marital and tax-filing
status.
Parental leave
BlackRock offers you time to bond with your new addition and to transition back to work. During this
leave, you’ll be covered under all of BlackRock’s benefits plans, and the required contributions will be
deducted from your salary.
Parental leave Primary caregiver Non-primary caregiver
100% paid for the birth You can take up to 16 weeks You can take up to four weeks of
or adoption of a child* (immediately following the paid parental leave (in increments
birth or adoption of a child) and of no less than one week at a time)
use a two-week flexible return- during the first year after the child’s
to-work transition period. Birth birth or adoption.
mothers can also take two weeks
off prior to the birth of a child
under our disability policy.
* Eligible employees are full-time and part-time employees scheduled to work at least 20 hours per week.
Time off
Whether you just need a little R&R, you need to take care of personal matters, or you need to tend to
your — or a family member’s — illness, you can take time away from work to focus on your well-being.
Take time to recharge Bereavement leave

Flexible time off (FTO) allows you to take as many You can take up to 10 days off with regular pay in the event
paid days off per year as you need, with manager approval, of the death of an immediate family member. Days do not
while fulfilling your work obligations and ensuring proper have to be used consecutively. Additionally, take one day
coverage of your work. BlackRock encourages you to off with regular pay in the case of the death of an extended
schedule time off throughout the year, so you can recharge family member, friend, fellow BlackRock employee or
and re-energize. As always, when requesting time off, BlackRock retiree.
be sure to check with your manager and team to ensure
business needs are covered. Don’t forget to record your time
off in the applicable time management system. This helps Pregnancy loss
us to ensure that everyone is using the benefit and taking BlackRock provides up to six weeks of paid leave if you
the appropriate amount of time off. or your partner experiences a stillbirth and two weeks
for miscarriage.
Enjoy the holidays

The holiday schedule is issued each year and follows the Sick and safe leave
New York Stock Exchange calendar of holiday closings. Use sick and safe leave for when your family needs you
most. Employees may take time off for periods in which
a member of their family is ill or injured or for the purpose
Jury and witness duty
of assisting a family member in receiving medical care,
Doing your civic duty is easier with paid time off when you treatment or diagnosis. Time can also be taken to address
serve as a juror or when you’re subpoenaed as a witness.* practical, legal and safety needs if an employee or a family
member has been the victim of domestic violence, sexual
assault or stalking. BlackRock offers 80 hours of Sick and
Safe Leave annually. Refer to the Sick and Safe Leave policy
for more details.
Sick days and medical leave

Employees have unlimited sick time for their own illness
or injury (subject to short-term disability after taking five
consecutive sick days).* See page 12 for more information
about BlackRock’s disability benefits.
* Eligible employees are full-time and part-time employees scheduled to work at least 20 hours per week.
Contact list
Contact Phone Number
Retirement Savings 401(k) Plan Merrill Lynch 866 568 7865
Personal Investments Employee Stock Purchase Plan (ESPP) Computershare 800 431 7925
Financial Coaching and Ayco Marketplace Ayco 866 416 1494
Investing@BlackRock BlackRock Investing Hotline 855 BLK 8500
College Savings Student Loan Financing CommonBond 800 975 7812
529 College Savings Plans BlackRock Investing Hotline 855 BLK 8500
Financial Protection Disability Insurance: Short-Term and Long-Term contactHR@blackrock.com 888 766 5999
Basic Life Insurance and AD&D Alight Benefits Administration 866 446 4841
Business Travel Accident Insurance contactHR@blackrock.com 888 766 5999
Supplemental Term Life Insurance Alight Benefits Administration 866 446 4841
Supplemental Long-Term Disability contactHR@blackrock.com 888 766 5999
Group Universal Life (GUL) MetLife 800 523 2894
Critical Illness Insurance Voya 877 236 7564
Group Auto & Home Insurance Specialty Insurance 877 411 9238
Group Legal Services Insurance Alight Benefits Administration 866 446 4841
Identity Theft & Credit Monitoring Specialty Insurance 877 411 9238
Long-Term Care Insurance Specialty Insurance 877 411 9238
Personal Excess Liability Insurance Specialty Insurance 877 411 9238
Pet Insurance Specialty Insurance 877 411 9238
Savings Opportunities Commuter Savings Program HealthEquity 877 924 3967
Commuting Options in Denver, Santa Monica, contactHR@blackrock.com 888 766 5999

Seattle and Wilmington
Discounts@BlackRock contactHR@blackrock.com 888 766 5999

Center for Health and Well-Being in New York My Premise Health 646 310 0800
Gym Discounts contactHR@blackrock.com 888 766 5999
WW (Weight Watchers) Employer ID: 61228 Password: ww61228 WW 866 204 2885
Active&Fit Active&Fit 844 646 2746
Virgin Pulse & Wellbeats Virgin Pulse N/A
Health Insurance Plans Medical Plans Alight Benefits Administration 866 446 4841
Dental Plans Alight Benefits Administration 866 446 4841
Vision Plans Alight Benefits Administration 866 446 4841
Prescription Plans Alight Benefits Administration 866 446 4841
Medicare Supplemental Plan Mercer Retiree Exchange 855 415 0143
Savings & Spending Accounts Health Savings Account (HSA) Bank of America Merrill Lynch 866 568 7865
Health Care Flexible Spending Account HealthEquity 877 924 3967
Dependent Care Flexible Spending Account HealthEquity 877 924 3967
Health & Wellness Programs BlackRock Health Assistant Grand Rounds 855 726 5770
MSK Direct Memorial Sloan Kettering 844 506 0589
HSSConnect Hospital for Special Surgery 833 477 8500
Virtual Physical Therapy SWORD N/A
International Travel Safety Program (iSOS) iSOS 215 942 8226

Member #: 11BYCA090225

Mental Wellness Spring Health 240 558 5796
NYU Behavioral Health NYU 855 698 6334
Gender Transition Support contactHR@blackrock.com 888 766 5999
Calm App Store or Google Play N/A
Social Impact Benevity N/A

Flexible Time Off contactHR@blackrock.com 888 766 5999
Leaves of Absence contactHR@blackrock.com 888 766 5999
Parental Leave contactHR@blackrock.com 888 766 5999
Child & Elder Backup Care.com 888 495 2454

Care & Support
Caregiving Concierge Cariloop 844 402 7722
Prenatal & Newborn Adoption Assistance Program contactHR@blackrock.com 888 766 5999
Programs
Family Planning Carrot N/A
Nursing Mothers Program LifeCare 800 873 4636
Breast Milk Delivery for Business Travel Milk Stork 888 207 6909
Special Needs Programs Children With Special Needs Rethink (Code: BLACKROCK) 800 714 9285
Special Needs Planning MassMutual 888 894 5354
Pet Care Discounted Pet Prescriptions Inside Rx Pets 800 722 8979
Legal notices
Important notice from BlackRock about your prescription drug When will you pay a higher premium (penalty) to join a Medicare
coverage and Medicare drug plan?
If you are currently eligible or become eligible for Medicare, please You should also know that if you drop or lose your current coverage
read this notice carefully, and keep it where you can find it. This notice with BlackRock and don’t join a Medicare drug plan within 63
has information about your current prescription drug coverage with continuous days after your current coverage ends, you may pay a
BlackRock and about your options under Medicare’s prescription drug higher premium (a penalty) to join a Medicare drug plan later.
coverage. This information can help you decide whether or not you If you go 63 continuous days or longer without creditable prescription
want to join a Medicare drug plan. If you are considering joining, you drug coverage, your monthly premium may go up by at least 1% of
should compare your current coverage, including which drugs are the Medicare base beneficiary premium per month for every month
covered at what cost, with the coverage and costs of the plans offering that you did not have that coverage. For example, if you go 19 months
Medicare prescription drug coverage in your area. Information about without creditable coverage, your premium may consistently be at
where you can get help to make decisions about your prescription least 19% higher than the Medicare base beneficiary premium. You
drug coverage is at the end of this notice. may have to pay this higher premium (a penalty) as long as you have
There are two important things you need to know about your current Medicare prescription drug coverage. In addition, you may have to
coverage and Medicare's prescription drug coverage: wait until the following October to join.
1. You may have heard about Medicare’s prescription drug coverage For more information about this notice or your current prescription
(called Part D) and wondered how it would affect you. Prescription drug coverage:
drug coverage is available to everyone with Medicare. You can get
this coverage if you join a Medicare Prescription Drug Plan or join For more details, reach out to contactHR.
a Medicare Advantage Plan (such as an HMO or PPO) that offers Note: You will receive this notice each year. You will also receive it
prescription drug coverage. All Medicare drug plans provide at before the next period when you can join a Medicare drug plan and if
least a standard level of coverage set by Medicare. Some plans this coverage through BlackRock changes. You may request a copy of
may also offer more coverage for a higher monthly premium. this notice at any time.
2. BlackRock has determined that the prescription drug coverage For more information about your options under Medicare
offered is, on average for all plan participants, expected to pay prescription drug coverage:
out as much as standard Medicare prescription drug coverage
pays and is, therefore, considered creditable coverage. Because More detailed information about Medicare plans that offer
your existing coverage is creditable coverage, you can keep this prescription drug coverage is in the Medicare & You handbook.
coverage and not pay a higher premium (a penalty) if you later You will receive a copy of the handbook in the mail every year from
decide to join a Medicare drug plan. Medicare if you are Medicare-eligible. You may also be contacted
directly by Medicare drug plans.
For more information about Medicare prescription drug coverage:
When can you join a Medicare drug plan?
• Visit medicare.gov.
You can join a Medicare drug plan when you first become eligible
for Medicare and each year from October 15 through December • For personalized help, call your state Health Insurance Assistance
7. However, if you lose your current creditable prescription drug Program (see the inside back cover of your copy of the Medicare &
coverage through no fault of your own, you will also be eligible for a You handbook for its telephone number).
two-month special enrollment period to join a Medicare drug plan. • Call 800-MEDICARE (800 633 4227) (TTY: 877 486 2048).
If you have limited income and resources, extra help paying for
What happens to your current coverage if you decide to join a Medicare prescription drug coverage is available. For information
Medicare drug plan? about this extra help, contact Social Security at socialsecurity.gov or
If you decide to join a Medicare drug plan, your current BlackRock 800 772 1213 (TTY: 800 325 0778).
coverage will not be affected. You may keep your current coverage if Remember: Keep this creditable coverage notice. If you decide to
you elect Part D, and this plan will coordinate with Part D coverage; join one of the Medicare drug plans, you may be required to provide
for those individuals who elect Part D, coverage under the entity’s a copy of this notice when you join to show whether or not you have
plan will pay for primary coverage, and Part D will be secondary. See maintained creditable coverage and, therefore, whether or not you are
pages 3–5 of the CMS Disclosure of Creditable Coverage to Medicare required to pay a higher premium (a penalty).
Part D Eligible Individuals Guidance (available at cms.gov/Medicare/ Date: 10/11/21
Prescription-Drug-Coverage/CreditableCoverage/Downloads/
041206CCGuidanceUpdated-FinalOMB.pdf), which outlines the Sender:
prescription drug plan provisions/options that Medicare-eligible BlackRock Benefits Administrator
individuals may have available to them when they become eligible for 55 East 52nd Street, 2nd Floor
Medicare Part D. New York, NY 10055
888 766 5999
If current BlackRock coverage is dropped, be aware that you and your
dependents may not be able to get this coverage back until the next
annual enrollment, or with a qualified life event.
Newborns’ and Mothers’ Health Protection Act Premium assistance under Medicaid and CHIP
Group health plans and health insurance issuers generally may not, If you or your children are eligible for Medicaid or CHIP and you’re
under federal law, restrict benefits for any hospital length of stay in eligible for health coverage from your employer, your state may have
connection with childbirth for the mother or newborn child to less a premium assistance program that can help pay for coverage, using
than 48 hours following a vaginal delivery or less than 96 hours funds from their Medicaid or CHIP programs. If you or your children
following a cesarean section. However, federal law generally does not aren’t eligible for Medicaid or CHIP, you won’t be eligible for these
prohibit the mother’s or newborn’s attending provider, after consulting premium assistance programs but you may be able to buy individual
with the mother, from discharging the mother or her newborn earlier insurance coverage through the Health Insurance Marketplace. For
than 48 hours (or 96 hours as applicable). In any case, plans and more information, visit healthcare.gov.
issuers may not, under federal law, require that a provider obtain If you or your dependents are already enrolled in Medicaid or CHIP,
authorization from the plan or the insurance issuer for prescribing contact your state Medicaid or CHIP office to find out if premium
a length of stay not in excess of 48 hours (or 96 hours). assistance is available.
If you or your dependents are NOT currently enrolled in Medicaid or
Women’s Health and Cancer Rights Act CHIP, and you think you or any of your dependents might be eligible
If you have had or are going to have a mastectomy, you may for either of these programs, contact your state Medicaid or CHIP
be entitled to certain benefits under the Women’s Health and office or dial 1 877 KIDS NOW or insurekidsnow.gov to find out how
Cancer Rights Act. For individuals receiving mastectomy-related to apply. If you qualify, ask your state if it has a program that might
benefits, coverage will be provided in a manner determined in help you pay the premiums for an employer-sponsored plan.
consultation with the attending physician and the patient, for all If you or your dependents are eligible for premium assistance under
stages of reconstruction of the breast on which the mastectomy was Medicaid or CHIP, as well as eligible under your employer plan, your
performed, surgery and reconstruction of the other breast to produce employer must allow you to enroll in your employer plan if you aren’t
a symmetrical appearance, prostheses and treatment of physical already enrolled. This is called a “special enrollment” opportunity, and
complications of the mastectomy, including lymphedemas. These you must request coverage within 60 days of being determined
benefits will be provided subject to the same cost sharing applicable eligible for premium assistance. If you have questions about
to other medical and surgical benefits provided under this plan. enrolling in your employer plan, contact the Department of Labor at
askebsa.dol.gov or call 1 866 444 EBSA (3272).
Availability of HIPAA Notice of Privacy Practices
This plan maintains a Notice of Privacy Practices that provides
information to individuals whose protected health information will
be used or maintained by the Plan. If you have questions about the
privacy of your health information under the plan, please contact
the plan administrator or the privacy officer named in the Employer/
Plan Sponsor’s Privacy Policy. You can request a copy by going to
contactHR. You may also directly obtain a Notice of Privacy Practices
for any group health benefits that are fully insured from the plan’s
health insurance carriers; these are generally available from their
websites or by calling customer service.
Special Enrollment Notice

If you decline enrollment in BlackRock’s health plan for you or
your dependents (including your spouse) because of other health
insurance coverage, you or your dependents may be able to enroll in
medical coverage under this plan without waiting for the next annual
enrollment period, provided that you request enrollment within 30
days after your other coverage ends.
In addition, if you have a new dependent as a result of marriage,
birth, adoption or placement for adoption, you may be able to enroll
yourself and your eligible dependents, provided that you request
enrollment within 30 days after the marriage, birth, adoption or
placement for adoption.
BlackRock will also allow a special enrollment opportunity if you or
your eligible dependents either:
• Lose Medicaid or Children’s Health Insurance Program (CHIP)
coverage because you are no longer eligible, or
• Become eligible for a state’s premium assistance program under
Medicaid or CHIP.
For these enrollment opportunities, you will have 60 days — instead
of 30 — from the date of the Medicaid/CHIP eligibility change to
request enrollment in the BlackRock group health plan. Note that
this new 60-day extension doesn’t apply to enrollment opportunities
other than due to the Medicaid/CHIP eligibility change.
This booklet describes the benefit plans and policies available to you as an employee of BlackRock. The details of these plans and policies are contained in the official plan and policy documents,
including some insurance contracts. This guide is meant only to cover the major points of each plan or policy. It does not contain all of the details that are included in the Summary Plan
Descriptions (as required by ERISA) or applicable plan documents available through the Human Resources section of the intranet. If there is ever a question about one of these plans and policies,
or if there is a conflict between the information in this guide (or any communications made on behalf of the plans or policies) and the formal language of the plan or policy documents, the formal
wording in the plan or policy documents, as interpreted in the sole discretion of the administrator of the plan or policy, will govern. The benefits highlighted and described in this booklet may be
changed at any time and do not represent a contractual obligation — either implied or expressed — on the part of BlackRock.
©2022 BlackRock, Inc. All Rights Reserved. BLACKROCK is a registered trademark of BlackRock, Inc., or its subsidiaries in the United States and elsewhere. All other trademarks are those of their
respective owners.
000-HR-0119 / USR-000
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Helping

2022 Benefits Guide

Mind: Find your balance....26 The myBenefits portal is your one-stop

What’s new for 2022?

• Ayco SurvivorSupport for

• Core Health Savings PPO

• SWORD virtual physical therapy

• Expanded flexible family-forming

• Care.com backup child, elder and

• Rethink support for parents who

BlackRock 2022 Benefits Guide 2

Starting your career

Help when you need it. Care.com offers access to a

Know where to go. Cariloop’s care concierge service can

Consider tax advantages. A Health Savings Account

Preparing for retirement

Catch up on your savings. If you’re 50 or older, you can

Take your financial pulse. An Ayco financial coach can

Plan for a healthy retirement. Speak to a counselor

You save, we help Save your way

We give your retirement savings a Boost!

Build your own portfolio BlackRock LifePath target date funds

You can make changes to how your current balance

You can also choose to use the Self-Directed Brokerage

Did you know?

Free financial coaching

Ayco can help guide you to success in nearly every area

Employee Stock Purchase Plan

Oct. 1 Sept. 15 Oct. 1–Dec. 31 Dec. 31

How to invest Employee investment hotline!

Pay for college Did you know?

Loan refinancing Low-interest loans

Save on everyday needs

Commuter savings program Discounts@BlackRock

Disability and life insurance

Disability income Life and AD&D insurance Specialty insurance

Since LTD insurance is capped Visit 1BLK > My Resources >

About our medical plans

Core Health Savings Preferred Health Savings Preferred Provider

* Prorated for new hires

WHAT This plan allows you to visit both in-network and

STAR FEATURE You can use a Health Care Flexible Spending

KEEP IN MIND The services covered by our administrators —

PRESCRIPTIONS There are copays for generic, formulary

Exclusive Provider Organization Health Maintenance Organization

Preventive care Telemedicine

Did you know?

How do the plans compare?

In-Network Out-of-Network1 In-Network Out-of-Network1 In-Network Out-of-Network1 In-Network In-Network

Paycheck $ $ $$ $$ $$$ $$$ $$$$ $$$

1. Out-of-network care is subject to reasonable and customary limits. continued ›

In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network In-Network In-Network

How much do the plans cost? Money-saving tip

BlackRock Health Assistant On-demand primary care

• Make doctors’ appointments, transfer medical Did you know?

MSK Direct cancer resource Virtual physical therapy

Retiree health care exchange

Saving money on medical care

Comparing health spending and savings accounts

Examples • Deductibles, coinsurance and • Deductibles, coinsurance and • Deductibles, coinsurance

2022 maximum $3,650 individual; $2,750 $2,750

2022 maximum Health Savings PPO Plus only: N/A N/A

Catch-up contribution3 $1,000 maximum N/A N/A