IMPORTANT

YOU MUST READ THIS BEFORE YOU ENROLL FOR BENEFITS

We hope you are excited about joining our talented and diverse workforce. One of the key advantages of working at Prudential is the opportunity to participate in a competitive benefits program that is designed to be comprehensive and flexible.

If you are an eligible Prudential employee, you automatically receive coverage under certain plans and programs, at no cost to you (Core Benefits). In addition, you will have the opportunity to enroll in optional programs (in which you will share in the cost with Prudential) and other voluntary programs (in which you pay the full cost).

With this choice and flexibility comes responsibility. For most programs, you must make your benefit elections within 31 days of your date of employment. If you do not enroll within 31 days, you will not be able to enroll for Medical, Dental, Vision, or Flexible Spending Account coverage until the next Annual Enrollment Period, unless you experience a Qualified Change in Status. You will not have another opportunity to enroll in the LegalCare Program again until the next Annual Enrollment Period.

Please review the enclosed 2011 Annual Enrollment "Evaluating Your Options" brochure. which contains important information to help you make your benefits decisions for 2011. Your personalized Enrollment Worksheet, available online at the Prudential Benefits Center, details your health and welfare program options as well as cost information for your 2011 benefits. For more detailed information, go to “Annual Enrollment 2011,” within the “Health, Life & Wellness tab on “Inside the Rock – My Prudential” or the Prudential Benefits Center Web site at (wwwprubenefitscenter.com). Please review the following Annual Enrollment materials carefully before you select your benefit program elections for 2011:

 The Benefits Comparison — a chart comparing key components of the national medical programs.

 Benefits Program Details — important details on all of the health and welfare programs

 Health Care Program Charts — detailed summaries of the major provisions of each medical and dental program option;

 Tools and Resources — descriptions of several tools and resources available during the Annual Enrollment Period and on an ongoing basis; and

 The National Medical Program Cost Examples — illustration of how each of the 2010 national medical program works, including a side-by-side comparison of the medical program contribution amounts, benefit levels, claim processing results, and out-of-pocket expenses.

The following charts outline the benefits plans and programs available and the default coverage you will receive if you do not enroll (provided you are eligible for coverage).

Core Benefits – Provided by Prudential at No Cost to You

Benefit / Default Coverage
Basic Group Life Insurance / Core Coverage
Basic Accidental Death & Dismemberment Insurance / Core Coverage
Business Travel Accident Insurance / Core Coverage
Short Term Disability (STD) (for full-time employees)[1] / Core Coverage
Long Term Disability (LTD) (for full-time employees after 30 days of active service) / Core Coverage
Prudential Cash Balance Plan [2] / Core Coverage
Prudential Supplemental Retirement Plan 2 / Core Coverage (if eligible)
Davis Vision Discount Program / Core Coverage
Identity Theft Resolution Services Program / Core Coverage
Employee Assistance Program (EAP) / Core Coverage

Optional Benefits – You and Prudential Share in the Cost

Benefit / Default Coverage (if you do not enroll within 31 days of your date of hire) / When You Can Next Enroll (if you do not enroll within 31 days of your date of hire)
Medical Program / No Coverage / Next annual enrollment period, unless you experience a qualified change in status
Dental Program / No Coverage / Next annual enrollment period, unless you experience a qualified change in status
Prudential Employee Savings Plan (PESP) / Auto-enrollment provisions apply, unless you affirmatively elect otherwise within 30 days after your hire or rehire date / You may start payroll deductions, end payroll deductions, change your contribution percentage(s), or change your investments at any time
Supplemental Employee Savings Plan (SESP) / No Coverage / If eligible, you may enroll in SESP via a paper enrollment within 30 days of your hire or eligibility, if you become eligible at a later date.
Once enrolled for the calendar year, you may not change or end your participation during that calendar year.
If you do not enroll within the 30-day period, you may not join SESP until the next annual enrollment period.
If you do enroll, your election will remain effective unless you make a change during an election period.
Dependent Care Reimbursement Account [1] / No Participation / Next annual enrollment period, unless you experience a qualified change in status

Voluntary Benefits – You Pay the Full Cost

Benefit / Default Coverage (if you do not enroll within 31 days of your date of hire) / When You Can Next Enroll (if you do not enroll within 31 days of your date of hire)
Vision Care Insurance Program / No Coverage / Next annual enrollment period, unless you experience a qualified change in status
Health Care Reimbursement Account / No Participation / Next annual enrollment period, unless you experience a qualified change in status
Group Universal Life/Cash Accumulation Fund / No Coverage / At any time (evidence of good health may be required)
Supplemental Accidental Death & Dismemberment Insurance / No Coverage / At any time (evidence of good health is not required)
Dependent Term Life Insurance / No Coverage / At any time (evidence of good health may be required)
Optional Long Term Disability (OLTD) (for full-time employees after 30 days of service) / No Coverage / At any time (evidence of good health may be required)
LegalCare Program [1] / No Coverage / Next annual enrollment period
Long Term Care / No Coverage / At any time (evidence of good health may be required)

Health Care and Personal Protection Programs

To make your benefit elections for health care and personal protection programs, you will need to visit the Prudential Benefits Center web site at When you visit the site for the first time, you will be asked to enter the last four digits of your Social Security number and your date of birth. You will then be prompted to create your own 8-20 digit password.

 To access the Prudential Benefits Center from your Prudential work station:

— Go to Prudential’s intranet site, “Inside the Rock,”

— Click on the “My Prudential” tab,

— Click on “Health, Life, & Wellness,” and

— Then click on the “Health, Life, Disability, and Other Benefits” ; or

 To access the Prudential Benefits Center from the Internet:

— Log on to

Prudential Employee Savings Plan

If you elect to enroll in PESP, you will have an opportunity to contribute on a before-tax basis, an after-tax basis, or as a combination of both. Prudential generally matches 100% of your Before-Tax Contributions, up to a maximum of 4% of your Eligible Earnings, subject to Internal Revenue Code limitations, after your one-year anniversary.

To enroll or waive participation in The Prudential Employee Savings Plan (PESP) you must use either the PESP Web site (Prudential Online Retirement Center) or the Interactive Voice Response (IVR) automated telephone system. All you will need is your Social Security Number and your PESP/Prudential Personal Identification Number (PIN). Your PIN is initially your six-digit date of birth (mmddyy). When you access the system for the first time, you will be prompted to change your PIN.

 To access the PESP Web site from your Prudential work station:

— Go to Prudential’s intranet site, “Inside the Rock,”

— Click on the “Pay and Retirement Savings” tab, and

— Then click on “Prudential Employee Savings Plan (PESP)”

 To access the PESP Web site from the Internet:

— Log on to

— Then follow the on-screen instructions; or

 To enroll, waive participation, or make changes over the telephone using the IVR, you may call 1-800-PRU-EASY (1-800-778-3279) and say the key words, “Savings Plan.”

Please note: Generally, you may access the Prudential Benefits Center, the PESP web site and the PESP IVR 24 hours a day, seven days a week, except during scheduled maintenance. However, you will not be able to access them until your employment record has been created and you have authenticated your access as a first-time user. It is important to remember that your health and welfare password and PESP PIN are two separate identifiers. They are used for different accesses to complete your benefits enrollment.

Beneficiary Designation Forms

Please mail the following original signed Beneficiary Designation Forms to the return address shown at the top of each form:

 Employee Benefits Beneficiary Designation Form

 Prudential Employee Savings Plan (PESP) Beneficiary Designation Form

 Prudential Cash Balance Plan Beneficiary Designation Form

Questions?

Refer to the Web sites listed, the information in your enrollment kit, or the materials on Prudential’s intranet “Inside the Rock.” You may also call 1-800-PRU-EASY (1-800-778-3279) and follow the prompts to the appropriate key word(s) to speak with a Customer Service Representative at the service center as indicated in the chart below:

Plans/Programs / Follow the Prompts to / Hours of Operation / Access for Hearing Impaired
Health Care & Personal Protection Programs (Prudential Benefits Center) / “Health and Welfare Benefits” / Mon.-Fri., 8 a.m.-6 p.m. ET, except holidays. / For the hearing-impaired, please contact your local relay service available Mon.-Fri. 8 a.m. to 6 p.m., ET, except on holidays.
Prudential Employee Savings Plan (PESP) / “Savings Plan” / Mon.-Fri., 8 a.m.-6 p.m. ET except holidays. / Teletype (TTY) line:
1-877-760-5166,
available Mon.-Fri., 8 a.m.-6 p.m. ET, except holidays
Prudential Cash Balance Plan / “Retirement Plan” / Mon.-Fri., 8 a.m.-6 p.m. ET, Eastern time, except holidays. / For the hearing-impaired, please contact your local relay service available Mon.-Fri., 8 a.m.-6 p.m. ET, except on holidays.

Please note: A User’s Guide for 1-800-PRU-EASY is included in your welcome kit.

[1] Short Term Disability coverage (except for certain state-mandated benefits) is not available to Agency Distribution Sales Professionals with an adjusted service date of 1/1/05 or later, and part-time employees.

[2] These Plans are available to Agency Distribution Sales Professionals who are hired on or after 1/1/05, after one-year of service.

[1] The Dependent Care Reimbursement Account Program and the LegalCare Program are not available to Financial Services Associates or Statutory Agents.

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