In this section, you will find both General Terms pertaining to the Dental Plan and Common Dental Terms.

 General Terms

Barred Employee
An employee who is covered by a collective bargaining agreement except to the extent participation in the Dental Plan is provided under such agreement.

Benefit Service
Generally, all the time from the first day of employment until you leave the company's employment. Excluded are:

• unauthorized absences;
• leaves of absence of over 30 days (except military leaves or leave under the Federal Family and Medical Leave Act);
• certain absences from which you do not return;
• periods when you work as a non-regular employee, as an extended part-time employee, as a special agreement person, in a service station, car wash, or car-care center operations; or
• when you are covered by a contract that requires the company to contribute to a different benefit program, unless a special authorization credits the service.

Change in Status
Life or work event that allows you to make changes to your elections during the plan year and outside of Annual Enrollment.

Claims Administrator/Processor
Aetna, or affiliates, for claims.

Covered Charges
Charges by a dentist or physician for services and supplies required for dental care and treatment. Charges in excess of the reasonable and customary charge made for similar services and supplies by dentists or physicians in the same area are not covered. Where alternative services or supplies are customarily available for such treatment, reimbursement will be based on the least expensive service or supply resulting in professionally adequate treatment.

Dependent Child

• A natural or legally adopted child of a regular employee or retiree;
• A grandchild, niece, nephew, cousin, or other child related by blood or marriage over whom a regular employee, retiree, or the spouse of a regular employee or retiree (separately or together) is the sole court appointed legal guardian or sole managing conservator;
• A child for whom the regular employee or retiree has assumed a legal obligation for support immediately prior to the child's adoption by the regular employee or retiree; or
• A stepchild of a regular employee or retiree if the child is residing with the regular employee or retiree. For this purpose, a child is considered to be residing with a regular employee or retiree if the child's permanent residence is considered to be the residence of the regular employee or retiree. Child does not include a foster child.

Eligible Dependents

Family members eligible for coverage are your dependents, including:

Eligible Employees
Most U.S. dollar-paid employees of Exxon Mobil Corporation and participating affiliates. Full-time employees not hired on a temporary basis (also called "regular employees") are eligible. Extended part-time employees, as classified on the employer's books and records, are also eligible. Leased employees as defined in the Internal Revenue Code, temporary or part-time employees (also called "non-regular employees"), barred employees or special agreement persons are not eligible to participate.

Extended Part-time Employee
An employee who is classified as a non-regular employee, but who has been designated as an Extended Part-Time Employee under his or her employer's employment policies relating to flexible work arrangements.

Medically Necessary
A service or supply that is:

• Legal;
• Ordered by a dentist or physician;
• Not experimental or investigative;
• Reasonably required for the treatment or management of the condition for which it is ordered; and
• Commonly and customarily recognized by the United States dental community as appropriate in the treatment or management of the condition for which it is ordered. The Administrator-Benefits has the exclusive and final authority to determine if a service or supply is medically necessary as used in the Plan. In making this determination, the findings and assessments of the United States dental community and the experience and expertise of the claims administrator shall be considered along with evaluation from independent professionals. As used herein, the "United States dental community" shall include national dental associations, societies and organizations including, but not limited to, the American Dental Association. The Administrator-Benefits may apply different standards to different services or supplies in determining medical necessity.

Predetermination
A written pre-determination request will provide a more detailed response as to whether a treatment or service is covered under the Dental Plan and whether the proposed cost is within reasonable and customary limits, thus ensuring all parties are aware of the financial consequences (providing all circumstances remain the same). Please note that a pre-determination, either verbal or written, is not a guarantee of payment, as claims are paid based on the actual services rendered and in accordance with Plan provisions.

Qualified Medical Child Support Order
A Qualified Medical Child Support Order (QMCSO) is a court decree under which a court order mandates health coverage for a child. A QMCSO must include, at a minimum:

• Name and address of the employee covered by the health plan.
• The name and address of each child for whom coverage is mandated.
• A reasonable description for the coverage to be provided.
• The time period of coverage.
• The name of each health plan to which the order applies.

Regular Employee
Full-time employees at ExxonMobil Corporation or participating affiliates who are not hired on a temporary basis. Regular employees include employees designated by their employer as part-time regular.

Retiree
Generally, a person at least 55 years old who retires with 15 or more years of benefit plan service. Retiree status may also be attained by someone who is retired by the company and entitled to long-term disability benefits under the ExxonMobil Disability Plan after 15 or more years of benefit plan service, regardless of age.

Special-Agreement Person
Generally, a person paid on a commission or commission salary basis other than a person paid while employed by the Marketing Department of ExxonMobil; an employee providing service to a non-affiliated organization that pays the person's salary or wages; or an employee working pursuant to an agreement that specifically excludes the person from coverage for benefits.

Spouse; Marriage
All references to a spouse, to a married person or to a marriage shall refer to spouses or marriages within the meaning of the federal laws of the United States.

Surviving Spouse
A surviving unmarried spouse or dependent child of a deceased ExxonMobil regular employee or retiree.

Suspended Retiree
A person who becomes a retiree due to incapacity within the meaning of the ExxonMobil Disability Plan and who begins long-term disability benefits under that plan, but whose benefits stop because the person is no longer incapacitated. A person remains a suspended retiree until the earlier of the date the person:

• Reaches age 55; or
• Begins his or her retirement benefit or receives a lump-sum settlement under the ExxonMobil Pension Plan, at which time the person is again considered a retiree.

The family members of a deceased suspended retiree will be eligible for coverage under this Plan only after the occurrence of the earlier of the following:

• The date the suspended retiree would have attained age 55; or
• The date a survivor begins receiving a benefit due to the suspended retiree's accrued benefit from the ExxonMobil Pension Plan.

Common Dental Terms

Abutment
Terminal tooth or root that retains or supports a bridge or a fixed or removable prosthesis.

Appliance
A device used to provide function or therapeutic (healing) effect. An appliance may be fixed or removable.

Attrition
The wearing away of a tooth's enamel.

Bite-wing
Dental x-ray showing approximately the coronal (crown) halves of the upper and lower jaw.

Crown
A portion of the tooth covered by enamel.

Decay
The destruction or decomposition of a tooth as a result of bacterial action.

Dentist
A person acting within the scope of his or her license and holding the degree of Doctor of Dental Surgery (DDS).

Denture
A device replacing missing teeth.

Fixed Bridge
A prosthesis replacing one or more teeth that is cemented in place in the mouth. It consists of one or more pontics held in place by one or more retainers on abutment teeth.

Full-Mouth X-Ray
An X-ray of every tooth, from crown to root to supporting structures, mostly using bitewing X-rays (with film inside the mouth).

Implant
A prosthetic device placed in the jaw to which a tooth or denture may be anchored.

Impression
A negative reproduction of a given area.

Orthodontics
The branch of dentistry primarily concerned with the detection, prevention, and correction of abnormalities in the positioning of the teeth in their relationship to the jaws.

Panoramic X-Ray
An X-ray of the entire mouth all teeth on both upper and lower jaws on a single X-ray (with film outside the mouth).

Partial Denture
A prosthesis that replaces one or more, but less than all, of the natural teeth and associated structures and is supported by the teeth and/or the gums. It may be removable or fixed, on one side or two sides.

Physician
A person acting within the scope of his or her license and holding the degree of Doctor of Medicine (M.D.).

Pontic
The part of a fixed bridge that is suspended between the abutments and which replaces a missing tooth or teeth.

Prophylaxis
The removal of tartar and stains from teeth through the cleaning of the teeth by a dentist or dental hygienist.

Restoration
Any inlay, crown, bridge, partial denture, or complete denture that restores or replaces loss of tooth structure, teeth, or oral tissue, which results in repair, restoration, or reformation of the shape, form, and function of part or all of a tooth or teeth.

Root Canal Therapy
Treatment of a tooth with damaged pulp, generally through complete removal of the pulp, sterilization of the pulp chamber and root canals, and filling the resulting space with sealing material.

Space Maintainers
Fixed or removable appliances designed to maintain existing space to prevent adjacent or opposing teeth from moving.

Temporomandibular Joint Syndrome (TMJ)
Any myofascial pain dysfunction involving the temporomandibular joint connecting the skull and jawbone.