2022 Employee Benefits - Carroll Daniel Construction

Carroll Daniel Construction Benefits Guide Benefit Period: 1.1.2022 - 12.31.2022

PLANNERS, BUILDERS, PARTNERS™

CARROLL DANIEL FAMILY, Carroll Daniel’s most valuable asset is our people - our team is what sets us apart from the competition. Our purpose is to Build Opportunities, and that begins with a work environment that focuses on the well-being of our team members and their families.

Brian Daniel President & CEO Carroll Daniel Construction Co.

We offer competitive packages with a variety of options so you can select the best fit for your family. We strive to provide our employees with a wide range of quality benefits, and continually work to roll out additional programs that help make Carroll Daniel one of Georgia’s best places to work. This year we reduced the cost for vision and dental plans, increased the value of our standard life insurance policy, provided free short and long term disability for all, and more.

Please reach out to our Human Resources team with any questions you have about our benefits packages or for help selecting the best options for your family.

On behalf of our leadership team, I want to thank you for choosing to work at Carroll Daniel Construction Company!

TABLE OF CONTENTS INTRODUCTION TO BENEFITS • Benefit Rates SECTION 1 - Health Insurance • Plan A: Health Savings Account (HSA) • Plan B: Health Reimbursement Arrangement (HRA) SECTION 2 - Retirement Plans • 401k • Education Savings Plan SECTION 3 - Dental Insurance SECTION 4 - Vision Insurance SECTION 5 - Short-Term Disability Insurance SECTION 6 - Long-Term Disability Insurance SECTION 7 - Life Insurance • Basic Life and AD&D • Voluntary Life SECTION 8 - Discount Program SECTION 9 - Company Store SECTION 10 - Contact Information

INTRODUCTION

INTRODUCTION TO COMPANY BENEFITS FOR 2022 For the 2022 plan year, Carroll Daniel Construction Company (CDCC) has worked to offer a competitive total rewards package that includes valuable and competitive benefits.

The programs reflect our commitment to keeping our employees healthy and secure. For this plan year, we are making changes to ensure we are keeping pace with evolving health care regulations and to manage our current and future costs. The benefits outlined in this booklet are effective Jan. 1, 2022.

Full-time employees are eligible for most Carroll Daniel Construction benefits after completing the required waiting period. Spouses and/or children of full-time employees are also eligible for some of the CDCC benefits including: • • • •

Health Insurance Dental Insurance Vision Insurance Life Insurance

Eligible Employees You are considered an eligible employee if you are a regular full-time employee scheduled to work at least 30 hours each week.

Paying for Your Benefits The portion of the benefits costs that you as an employee are responsible for will be automatically deducted from your paycheck, either before or after your taxes are calculated.

Health, Vision and Dental insurance premiums are taken out of your paycheck before your taxes are calculated.

While not all benefits qualify for pre-tax contribution, there is a definite advantage for those that do.

Taking the money out before your taxes are calculated lowers the amount of your taxable income.

Therefore, you pay less in taxes.

INTRODUCTION TO COMPANY BENEFITS FOR 2022 (continued)

Making Changes or Canceling

When Coverage Ends

Generally, you can only change your pre-tax benefit choices during the annual Benefits Open Enrollment period. However, you can change your pre-tax benefit choices during the year if you have a qualifying event. Qualifying events include but are not limited to:

Most benefits end on the day in which your

• Marriage • Divorce • Birth, adoption or placement for adoption of an eligible child • Death of your spouse or covered child • Change in your or your spouse’s work status that affects benefits eligibility (For example: starting a new job, leaving a job, changing from part-time to full-time) • Becoming eligible for Medicare or Medicaid during the year

employment with CDCC is terminated or when you cease to meet eligibility guidelines.

Continuing Your Coverage Under certain circumstances, you may continue your coverage when it would otherwise end. This is called COBRA coverage. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1985. COBRA applies to: • Health Insurance • Dental Insurance • Vision Insurance

Additional Information You may want to see if your family qualifies for the State of Georgia Medicaid, (CAPS) Subsidized Child

If you have a qualifying event, you must notify Cassie Sherman in Human Resources within 31 days of the change. Depending on the type of change, you may need to provide proof of the change (for example, a marriage or birth certificate).

You must notify the Human Resources Department within 31 days or you will have to wait until the next annual Benefits Open Enrollment period to make benefit changes unless you have another qualifying event.

Any changes you make to your benefit choices must be directly related to the qualifying event. You may discontinue your after-tax benefit elections at anytime.

Care program or Georgia PeachCare for Kids. Please visit the websites below for more details.

• Medicaid and CAPS Program: https://compass.ga.gov/selfservice • PeachCare Program: https://www.peachcare.org • Georgia Government Assistance Programs: https://www.benefits.gov

HEALTH INSURANCE

HEALTH SAVINGS ACCOUNT (HSA) SUMMARY What is an HSA? An HSA is a tax-free Health Savings Account (HSA) to which the employee and employer can contribute.

An HSA is like a regular savings account, but it is tax free as long as all funds are used for qualified medical expenses.

What is the benefit of having an HSA? The goal is for you to become better stewards of your healthcare costs. Understanding the cost of healthcare services will help you be more knowledgeable healthcare consumers. You will see the cost of appointments, labs, prescriptions, & imaging which allows you to research options available to you.

Why should I open an HSA? An HSA gives you a triple tax break: • our contributions to the HSA account are sheltered from income tax • The money in your HSA account grows taxdeferred • The money in your HSA account can be withdrawn tax-free for eligible medical, dental and vision expenses • Your HSA account can even serve as an extra retirement-savings fund

Can I contribute to an HSA after age 65?

You can withdraw the HSA money tax-free for medical expenses at any age, but you can no longer contribute to an HSA after you enroll in Medicare.

An individual who is entitled to Medicare benefits is not eligible for HSA contributions. To be entitled to Medicare benefits, an individual must be both eligible AND enrolled. Eligibility for Medicare benefits does not make an individual ineligible for HSA contribution.

PLAN A

What happens if I die before using up all the funds in my HSA? Just like an Individual Retirement Account (IRA), the HSA is an inheritable account.

When can I start to use my HSA funds?

Once your account is open, a deposit has been made to your account and funds are available, you can start using your HSA.

How much will I pay when I go to the doctor now?

Preventive care is covered at 100%. If you see a doctor or specialist for something other than preventive treatment, you are responsible to pay for the amount the carrier has contracted to pay your doctor, typically a discounted rate, until your deductible is met. You can use your HSA for this expense. It’s best to have your doctor’s office put the charge through to your insurance, so that you will receive credit toward your deductible, and you know exactly what to pay.

Will I have to pay my entire deductible before my physician will treat me?

It will be best to call your physician prior to treatment and let them know you are covered under an HSA plan and discuss how billing and payments are handled. Some doctors may require that you pay up front, but most will bill your insurance, and then bill you once the claim has been processed. Make sure you don’t pay more than your portion shown on the explanation of benefits (EOB) you receive from Healthgram.

HSA SUMMARY (CONTINUED) What happens if I go to the emergency How do I use my HSA to pay for services or room? Will I have to pay my full deductible prescriptions at the point of sale?

Pharmacies and some medical providers will ask before they see me?

The hospital will most likely try to collect a portion of the deductible at time of service. You can explain that you are covered under an HSA plan and request that you are billed for services rendered.

How do I pay for my prescriptions?

Preventive medications are covered without a deductible. Other medications are subject to your deductible. Once you have paid your deductible in full, the pharmacy copays will apply based on the applicable medication tier.

How do I build an HSA balance?

The first and most important thing to do is contribute to your HSA. Regular contributions to your account help ensure the money will be there when you need it. The HSA is your medical expense savings tool for this year and the future.

How do I use my HSA for medical services?

First, be sure your doctor, healthcare provider, or pharmacy has your up-to-date medical, dental or vision insurance information before you receive care. This saves you money by ensuring you receive insurance company discounts on services and have charges applied to your deductible.

How do I pay a medical bill with my HSA? Step 1: When you receive a bill from your medical provider, compare it with your EOB. If you find a discrepancy, contact Healthgram or the medical provider to resolve any issues before paying the bill.

Step 2: Once you are confident that your bill is correct, the most convenient option is to pay with your HSA debit card by following the credit card payment instructions provided on the bill.

Step 3: Save your itemized receipt of the approved transaction and the EOB for your records.

you to pay for expenses when you pick up your prescriptions or receive care. Remember, be sure the provider has your current medical coverage information and use your HSA debit card to pay the provider. If asked to pay at the time of service for medical expenses, it is still important to review your EOB statement to make sure you have not been overcharged.

How do I use my HSA debit card at the doctor’s office or pharmacy?

Step 1: Present your HSA debit card for payment.

Step 2: Pay the total amount owed with your HSA debit card (if prompted, please select “Credit” and sign for the purchase.

Step 3: Funds will be deducted automatically from your HSA. Step 4: Remember to save your itemized receipt.

Does my HSA cover dependents, even if they are not covered by my plan?

Yes. Qualified medical expenses include unreimbursed medical expenses of the accountholder, his or her spouse or dependents.

What if my medical expenses do not reach my deductible? What happens to the money in my HSA that I do not spend on medical bills?

The money is your HSA is all yours! The less money you spend on medical, dental or vision expenses, the more will remain in your HSA, and, again, that money is always yours. It will earn bank interest. Additionally, with a minimum of $2,000, you can invest all of or sum of your account funds. More information is available at HSAbank.com

HSA SUMMARY (CONTINUED) How do I check my HSA balance?

Real-time HSA balances are displayed at myaccounts.hsabank.com and it is also available through the mobile app.

Can I access my HSA online?

Yes. You can access your HSA balance, account updates, & transactions at myaccounts.hsabank.com and the mobile app.

What happens if I want to use the money for non-medical expenses?

If you use the HSA money in your account for nonmedical expenses before age 65, you will be subject to a 20% penalty plus taxes on the withdrawals. After age 65, the penalty goes away but you still pay taxes if the withdrawals are not for eligible medical expenses.

What are some tips to help me save money?

•

What if the amount owed is higher than my available account balance?

Tell the person taking your payment that you want to pay for the amount up to your available balance using your HSA debit card and use another form of payment for the remainder of the balance owed.

Sign for both purchases and remember to keep both receipts. Once you have additional funds in your HSA account, you can reimburse yourself.

• •

•

What if I am buying non-healthcare items at the pharmacy?

•

Pay for the items that are qualified medical expenses with your HSA debit card. Pay for items that are not qualified medical expenses with another form of payment.

•

What is a “qualified medical expense?”

Some examples of IRS approved expenses are: • Physician visits • Prescriptions • Vaccines • Dental treatment • Laboratory fees • Hearing aid/batteries • Operations/surgery You can find a complete list of eligible and ineligible HSA expenses at HSAbank.com

•

If you need to take a prescription, remember to ask for a generic alternative.

Ask your doctor questions about the medical necessity and cost of procedures and service.

Tell your provider you are on an HSA plan. Knowing that you are paying out of pocket may help you negotiate lower charges.

Only visit the ER in actual emergency situations.

Remember that your provider’s office, urgent care and comprehensive care clinic are appropriate options for conditions that are not life-threatening-and they can be a lot more cost-effective.

Annual physicals are covered at 100% by your health plan-which means no cost to you.

Consider contacting pharmaceutical companies directly to negotiate deals on high-cost prescriptions. Often, these companies are willing to work with people who are struggling financially.

Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: 01/01/2022-12/31/2022 Carroll Daniel Construction Co.: HSA Plan Coverage for: Individual/Individual + Family | Plan Type: HSA Plan (HDHP) The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately.

This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, visit www.healthgram.com. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms see the Glossary. You can view the Glossary at https://www.healthcare.gov/sbc-glossary or call 800-446-5439 to request a copy.

Important Questions

Answers

Why This Matters:

What is the overall deductible?

For network providers $2,500 individual/$5,000 family; for out-of-network providers $5,000 individual/$10,000 family

Are there services covered before you meet your deductible?

Yes. Preventive care services are covered before you meet your deductible.

Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on the plan, the overall family deductible must be met before the plan begins to pay. Deductible per individual applies when the employee is the only individual covered under the plan. Combined medical/behavioral and pharmacy deductible.

This plan covers some items and services even if you haven’t yet met the deductible amount.

But a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost sharing and before you meet your deductible. See a list of covered preventive services at https://www.healthcare.gov/coverage/preventive-care-benefits/.

Are there other deductibles for specific services?

No. There are no other specific deductibles.

What is the out-of-pocket limit for this plan?

What is not included in the out-of-pocket limit?

For network providers $4,000 individual / $8,000 family; for out- of-network providers $8,000 individual / $16,000 family Premiums, balance-billing charges, and health care this plan doesn’t cover.

You don’t have to meet deductibles for specific services.

The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met. (No more than $8,000 per individual - within a family) Combined medical/behavioral and pharmacy out-of-pocket limit.

Even though you pay these expenses, they don’t count toward the out-of-pocket limit.

Will you pay less if you use a network provider?

This plan uses a provider network. You will pay less if you use a provider in the plan’s network.

Yes. See www.healthgram.com or You will pay the most if you use an out-of-network provider, and you might receive a bill from a call 1-800-446-5439 for a list of provider for the difference between the provider’s charge and what your plan pays (balance network providers. billing). Be aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services.

Do you need a referral to see a specialist?

No.

You can see the specialist you choose without a referral.

All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies.

Common Medical Event

If you visit a health care provider’s office or clinic

If you have a test

Services You May Need Primary care visit to treat an injury or illness Specialist visit Preventive care/screening/ immunization Diagnostic test (xray, blood work) Imaging (CT/PET scans, MRIs) Generic drugs

If you need drugs to treat your illness or condition More information about prescription drug coverage is available at

Preferred brand drugs Non-preferred brand drugs

https://veracity.procarerx.c om.

Specialty Drugs

If you have outpatient surgery

Facility fee (e.g., ambulatory surgery center) Physician/surgeon

What You Will Pay Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

Limitations, Exceptions, & Other Important Information

20% coinsurance

40% coinsurance

None

20% coinsurance

40% coinsurance

No charge

40% coinsurance

None You may have to pay for services that aren’t preventive. Ask your provider if the services needed are preventive. Then check what your plan will pay for.

20% coinsurance

40% coinsurance

None

20% coinsurance

40% coinsurance

$250 penalty for no out-of-network precertification.

Retail - 20% coinsurance Maintenance - 20% coinsurance Mail Order – Not Covered Retail - 20% coinsurance Maintenance - 20% coinsurance Mail Order – Not Covered Retail - 20% coinsurance Maintenance - 20% coinsurance Mail Order - Not Covered

Retail - 30% coinsurance Maintenance – Not Covered Mail Order – Not Covered Retail - 30% coinsurance Maintenance – Not Covered Mail Order – Not Covered Retail - 30% coinsurance Maintenance – Not Covered Mail Order – Not Covered

Covers up to a 30-day supply (retail subscription); 31-90 day supply (retail order prescription).

$0 copay/prescription if filled through Pharmacy Concierge.

Not covered

Local retail pharmacy copay for international drugs is 50% of the total cost of the drug and does not apply to the deductible and out-of-pocket max.

20% coinsurance

40% coinsurance

$250 penalty for no out-of-network precertification.

20% coinsurance

40% coinsurance

$250 penalty for no out-of-network

For more information about limitations and exceptions, see the plan or policy document at healthgram.com

Common Medical Event

If you need immediate medical attention

If you have a hospital stay

If you need mental health, behavioral health, or substance abuse services

If you are pregnant

Services You May Need fees Emergency room care Emergency medical transportation Urgent care Facility fee (e.g., hospital room) Physician/surgeon fees

What You Will Pay Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

Limitations, Exceptions, & Other Important Information precertification.

20% coinsurance

20% coinsurance

20% coinsurance

20% coinsurance

20% coinsurance

20% coinsurance

20% coinsurance

40% coinsurance

20% coinsurance

40% coinsurance

Outpatient services

20% coinsurance

40% coinsurance

Inpatient services

20% coinsurance

40% coinsurance

Office visits

20% coinsurance

40% coinsurance

Childbirth/delivery professional services

20% coinsurance

40% coinsurance

Childbirth/delivery facility services

20% coinsurance

40% coinsurance

Home health care

20% coinsurance

40% coinsurance

Rehabilitation services

20% coinsurance

40% coinsurance

If you need help recovering or have other special health needs

None In-Network deductible must be met prior to co-insurance benefits.

None $250 penalty for no out-of-network precertification. $250 penalty for no out-of-network precertification. $250 penalty for no out-of-network precertification for non-routine services (i.e. partial hospitalizations, etc.) $250 penalty for no out-of-network precertification.

Cost sharing does not apply for preventive services. Depending on the type of services, a copay, coinsurance or deductible may apply.

Maternity care may include tests and services described elsewhere in the SBC (i.e., ultrasound).

None 120 visits/year. (The limit does not apply to mental health and substance use disorder conditions.) $250 penalty for no out-of-network precertification.

20 visits/year. Includes physical therapy, speech therapy, hearing and occupational therapy, and 20 visits/year for Chiropractic care

For more information about limitations and exceptions, see the plan or policy document at healthgram.com

Common Medical Event

If your child needs dental or eye care

Services You May Need

What You Will Pay Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

Habilitation services

20% coinsurance

40% coinsurance

Skilled nursing care

20% coinsurance

40% coinsurance

20% coinsurance

40% coinsurance

20% coinsurance Not covered Not covered

40% coinsurance Not covered Not covered

Not covered

Not covered

Durable medical equipment Hospice services Children’s eye exam Children’s glasses Children’s dental check-up

Limitations, Exceptions, & Other Important Information services. (Limits are not applicable to mental health conditions for Physical, Speech and Occupational therapies) $250 penalty for no out-of-network precertification for out-of-network speech therapy.

Services are covered when Medically Necessary to treat a mental health condition (e.g. autism). $250 penalty for failure to pre-certify out-ofnetwork speech therapy. Limits are not applicable to mental health conditions for Physical, Speech and Occupational therapies.

60 days/calendar year. $250 penalty for no out-of-network precertification. $250 penalty for no out-of-network precertification.

None None None

For more information about limitations and exceptions, see the plan or policy document at healthgram.com

Excluded Services & Other Covered Services: Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)  Acupuncture  Long-term care  Routine foot care  Cosmetic surgery  Non-emergency care when traveling  Bariatric Surgery outside the U.S.  Dental care (Adult & Child)  Routine Eye Care (Adult & Child)  Private-duty nursing  Infertility treatment  Weight loss programs Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)  Chiropractic care (20 visits)  Hearing Aids Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is: U.S. Department of Labor, Employee Benefits Security Administration at 1-866-444-3272 or www.dol.gov/ebsa, or the U.S. Department of Health and Human Services at 1-877-267-2323 x61565 or www.cciio.cms.gov. Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For more information about the Marketplace, visit www.HealthCare.gov or call 1-800-318-2596.

Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide complete information on how to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or assistance, contact: Healthgram at 800-446-5439, or www.healthgram.com, or 1-866-444-EBSA (3272), or www.dol.gov/ebsa.

Does this plan provide Minimum Essential Coverage? Yes. Minimum Essential Coverage generally includes plans, health insurance available through the Marketplace or other individual market policies, Medicare, Medicaid, CHIP, TRICARE, and certain other coverage. If you are eligible for certain types of Minimum Essential Coverage, you may not be eligible for the premium tax credit.

Does this plan meet the Minimum Value Standards? Yes. If your plan doesn’t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace.

Language Access Services: Spanish: ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800-446-5439 Chinese: 注意：如果您使用繁體中文，您可以免費獲得語言援助服務。請致電1-800-446-5439

To see examples of how this plan might cover costs for a sample medical situation, see the next section.

For more information about limitations and exceptions, see the plan or policy document at healthgram.com

About these Coverage Examples:

This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost-sharing amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage.

   

Peg is Having a Baby

Managing Joe’s Type 2 Diabetes

Mia’s Simple Fracture

(9 months of in-network pre-natal care and a hospital delivery)

(a year of routine in-network care of a wellcontrolled condition)

(in-network emergency room visit and follow up care)

The plan’s overall deductible Specialist coinsurance Hospital (facility) coinsurance Other coinsurance

$2,500 20% 20% 20%

   

The plan’s overall deductible Specialist coinsurance Hospital (facility) coinsurance Other coinsurance

$2,500 20% 20% 20%

   

The plan’s overall deductible Specialist coinsurance Hospital (facility) coinsurance Other coinsurance

$2,500 20% 20% 20%

This EXAMPLE event includes services like: Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia)

This EXAMPLE event includes services like: Primary care physician office visits (including disease education) Diagnostic tests (blood work) Prescription drugs Durable medical equipment (glucose meter)

This EXAMPLE event includes services like: Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy)

Total Example Cost

Total Example Cost

$5,600

Total Example Cost

$2,800

$2,500

In this example, Mia would pay: Cost Sharing Deductibles*

$2,500

In this example, Peg would pay: Cost Sharing Deductibles

$12,700

$2,500

In this example, Joe would pay: Cost Sharing Deductibles*

Copayments

$0

Copayments

$0

Copayments

$0

Coinsurance

$1,500

Coinsurance

$500

Coinsurance

$60

$60 $4,060

What isn’t covered Limits or exclusions The total Joe would pay is

What isn’t covered Limits or exclusions The total Peg would pay is

$20 $3,020

What isn’t covered Limits or exclusions The total Mia would pay is

$0 $2,560

Note: These numbers assume the patient does not participate in the plan’s wellness program. If you participate in the plan’s wellness program, you may be able to reduce your costs. For more information about the wellness program, please contact: Healthgram.com. *Note: This plan has other deductibles for specific services included in this coverage example. See "Are there other deductibles for specific services?” row above.

The plan would be responsible for the other costs of these EXAMPLE covered services.

For more information about limitations and exceptions, see the plan or policy document at healthgram.com

HEALTH REIMBURSEMENT ARRANGEMENT (HRA)

SUMMARY

PLAN B

What is an HRA? An HRA is a Health Reimbursement Arrangement that allows your company to share your in or out of network deductible expenses. This reduces how much you have to pay once your out of pocket amount has been met. Not all HRAs work the same; this is how it works for Carroll Daniel Construction.

How Your HRA Works Your HRA is for both in and out of network deductible expenses. The maximum reimbursement for an individual or family is $1,000.00

Reimbursement Process 1. The initial responsibility of $1,500.00 in either in/out of network deductible expenses can be met by the employee on the insurance plan or collectively between a family unit. Once the employee or family have met their $1,500 requirement, the employee/family can submit for a $1,000 reimbursement of the $1,500 upfront responsibility. The remaining deductible above the $1,000 reimbursement will be the responsibility of the employee.

Covered Members EE Only and Family Coverage

Your Responsibility $1,500 of the first in/out of network deductible

2. When you incur deductible expenses, Healthgram will provide you with an Explanation of Benefits (EOB) detailing the deductible amount you are responsible for.

3. Complete the HRA Claim Form including the dates of service, the patient’s name, and the deductible expenses incurred, and submit your HRA Claim Form and EOB to Admin America.

For further information, please contact our HRA Support team at: (678) 578-4642 or HRA@adminamerica.com

Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: 01/01/2022-12/31/2022 Carroll Daniel Construction Co.: HRA Plan Coverage for: Individual/Individual + Family | Plan Type: HRA Plan (PPO) The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately.

This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, visit www.healthgram.com. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms see the Glossary. You can view the Glossary at https://www.healthcare.gov/sbc-glossary or call 800-446-5439 to request a copy.

Important Questions What is the overall deductible?

Are there services covered before you meet your deductible?

Are there other deductibles for specific services?

What is the out-of-pocket limit for this plan?

What is not included in the out-of-pocket limit?

Answers

Why This Matters:

For network providers $2,500 individual/$5,000 family; for out-of-network providers $5,000 individual/$10,000 family Yes. In-network preventive care, office visits, diagnostic tests, prescription drugs, emergency room visits, in-network urgent care facility visits services are covered before you meet your deductible.

Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on the plan, each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible.

No. There are no other specific deductibles.

For network providers $4,000 individual / $8,000 family; for out- of-network providers $8,000 individual / $16,000 family Premiums, balance-billing charges, and health care this plan doesn’t cover.

This plan covers some items and services even if you haven’t yet met the deductible amount.

But a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost sharing and before you meet your deductible. See a list of covered preventive services at https://www.healthcare.gov/coverage/preventive-care-benefits/.

You don’t have to meet deductibles for specific services.

The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met.

Even though you pay these expenses, they don’t count toward the out-of-pocket limit.

Will you pay less if you use a network provider?

This plan uses a provider network. You will pay less if you use a provider in the plan’s network.

Yes. See www.healthgram.com or You will pay the most if you use an out-of-network provider, and you might receive a bill from a call 1-800-446-5439 for a list of provider for the difference between the provider’s charge and what your plan pays (balance network providers. billing). Be aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services.

Do you need a referral to see a specialist?

No.

You can see the specialist you choose without a referral.

All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies.

Common Medical Event

If you visit a health care provider’s office or clinic

Services You May Need

If you need drugs to treat your illness or condition More information about prescription drug coverage is available at https://veracity.procarerx.c om.

Limitations, Exceptions, & Other Important Information

Primary care visit to treat an injury or illness

$25 copay/office visit deductible does not apply

30% coinsurance

None

Specialist visit

$50 copay/visit deductible does not apply

30% coinsurance

None

No charge

30% coinsurance

You may have to pay for services that aren’t preventive. Ask your provider if the services needed are preventive. Then check what your plan will pay for.

20% coinsurance deductible does not apply

40% coinsurance

None

20% coinsurance

40% coinsurance

$250 penalty for no out-of-network precertification.

Generic drugs

Retail - $5 copay/prescription Maintenance - $12.50 copay/prescription deductible does not apply

Preferred brand drugs

Retail - $30 copay/prescription Maintenance - $75 copay/prescription deductible does not apply

Non-preferred brand drugs

Retail - $60 copay/prescription Maintenance - $150 copay/prescription deductible does not apply

Retail - $20 copay/prescription Maintenance – Not covered deductible does not apply Retail - $45 copay/prescription Maintenance – Not covered deductible does not apply Retail - $75 copay/prescription Maintenance – Not covered deductible does not apply

Preventive care/screening/ immunization

If you have a test

What You Will Pay Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

Diagnostic test (xray, blood work) Imaging (CT/PET scans, MRIs)

Specialty Drugs

$0 copay/prescription if filled through Pharmacy Concierge.

Not covered

Covers up to a 30-day supply (retail subscription); 31-90 day supply (retail prescription).

Local retail pharmacy copay for international drugs is 50% of the total cost of the drug and does not apply to the deductible and out-ofpocket max.

For more information about limitations and exceptions, see the plan or policy document at healthgram.com

Common Medical Event

If you have outpatient surgery

If you need immediate medical attention

Services You May Need Facility fee (e.g., ambulatory surgery center) Physician/surgeon fees Emergency room care Emergency medical transportation

If you need mental health, behavioral health, or substance abuse services

If you are pregnant

If you need help recovering or have other special health needs

Limitations, Exceptions, & Other Important Information

20% coinsurance

40% coinsurance

$250 penalty for no out-of-network precertification.

20% coinsurance

40% coinsurance

$250 penalty for no out-of-network precertification.

$250 copay deductible does not apply

$250 copay deductible does not apply

Copay waived if admitted.

20% coinsurance

20% coinsurance

In-Network deductible must be met prior to co-insurance benefits.

$75 copay deductible does not apply

$75 copay deductible does not apply

None

20% coinsurance

40% coinsurance

20% coinsurance

40% coinsurance

Outpatient services

$50 copay/office visit deductible does not apply and 20% coinsurance for other outpatient services

30% coinsurance/office visit and 40% coinsurance for other outpatient services

Inpatient services

20% coinsurance

40% coinsurance

Office visits

20% coinsurance

40% coinsurance

Childbirth/delivery professional services

20% coinsurance

40% coinsurance

Childbirth/delivery facility services

20% coinsurance

40% coinsurance

Home health care

20% coinsurance

40% coinsurance

Urgent care

If you have a hospital stay

What You Will Pay Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

Facility fee (e.g., hospital room) Physician/surgeon fees

$250 penalty for no out-of-network precertification. $250 penalty for no out-of-network precertification. $250 penalty for no out-of-network precertification non-routine services(i.e. partial hospitalization) $250 penalty for no out-of-network precertification.

Cost sharing does not apply for preventive services. Depending on the type of services, a coinsurance may apply. Maternity care may include tests and services described elsewhere in the SBC (i.e., ultrasound). $250 penalty for no out-of-network precertification.

120 visits/year. Limit does not apply to mental health and substance use disorder conditions.

For more information about limitations and exceptions, see the plan or policy document at healthgram.com

Common Medical Event

If your child needs dental or eye care

Services You May Need

What You Will Pay Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

Limitations, Exceptions, & Other Important Information $250 penalty for no out-of-network precertification.

20 visits/year. Includes physical therapy, speech therapy, hearing and occupational therapy. 20 visits/year Chiropractic care services. $250 penalty for no out-of-network precertification. Limits are not applicable to mental health conditions for Physical, Speech and Occupational therapies.

Services are covered when Medically Necessary to treat a mental health condition (e.g. autism). $250 penalty for failure to pre-certify out-of-network speech therapy. Limits are not applicable to mental health conditions for Physical, Speech and Occupational therapies.

60 days/calendar year. $250 penalty for no out-of-network precertification.

Rehabilitation services

20% coinsurance

40% coinsurance

Habilitation services

20% coinsurance

40% coinsurance

Skilled nursing care

20% coinsurance

40% coinsurance

20% coinsurance

40% coinsurance

20% coinsurance

40% coinsurance

Not covered

Not covered

None

Not covered

Not covered

None

Not covered

Not covered

None

Durable medical equipment Hospice services Children’s eye exam Children’s glasses Children’s dental check-up

$250 penalty for no out-of-network precertification.

For more information about limitations and exceptions, see the plan or policy document at healthgram.com

Excluded Services & Other Covered Services: Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)  Acupuncture  Long-term care  Routine foot care  Cosmetic surgery  Non-emergency care when traveling  Bariatric Surgery outside the U.S.  Dental care (Adult & Children)  Routine Eye Care (Adult & Children)  Private-duty nursing  Infertility treatment  Weight loss programs Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)  Chiropractic care (20 visits)  Hearing Aids Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is: U.S. Department of Labor, Employee Benefits Security Administration at 1-866-444-3272 or www.dol.gov/ebsa, or the U.S. Department of Health and Human Services at 1-877-267-2323 x61565 or www.cciio.cms.gov. Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For more information about the Marketplace, visit www.HealthCare.gov or call 1-800-318-2596.

Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide complete information on how to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or assistance, contact: Healthgram at 800-446-5439, or www.healthgram.com, or 1-866-444-EBSA (3272), or www.dol.gov/ebsa.

Does this plan provide Minimum Essential Coverage? Yes. Minimum Essential Coverage generally includes plans, health insurance available through the Marketplace or other individual market policies, Medicare, Medicaid, CHIP, TRICARE, and certain other coverage. If you are eligible for certain types of Minimum Essential Coverage, you may not be eligible for the premium tax credit.

Does this plan meet the Minimum Value Standards? Yes. If your plan doesn’t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace.

Language Access Services: Spanish: ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800-446-5439 Chinese: 注意：如果您使用繁體中文，您可以免費獲得語言援助服務。請致電1-800-446-5439 To see examples of how this plan might cover costs for a sample medical situation, see the next section.

For more information about limitations and exceptions, see the plan or policy document at healthgram.com

About these Coverage Examples:

This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost-sharing amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage.

   

Peg is Having a Baby

Managing Joe’s Type 2 Diabetes

Mia’s Simple Fracture

(9 months of in-network pre-natal care and a hospital delivery)

(a year of routine in-network care of a wellcontrolled condition)

(in-network emergency room visit and follow up care)

The plan’s overall deductible Specialist copayment Hospital (facility) coinsurance Other coinsurance

$2,500 $50 20% 20%

   

The plan’s overall deductible Specialist copayment Hospital (facility) coinsurance Other coinsurance

$2,500 $50 20% 20%

   

The plan’s overall deductible Specialist copayment Hospital (facility) coinsurance Other coinsurance

$2,500 $50 20% 20%

This EXAMPLE event includes services like: Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia)

This EXAMPLE event includes services like: Primary care physician office visits (including disease education) Diagnostic tests (blood work) Prescription drugs Durable medical equipment (glucose meter)

This EXAMPLE event includes services like: Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy)

Total Example Cost

Total Example Cost

Total Example Cost

$2,800

$2,100

In this example, Peg would pay: Cost Sharing Deductibles

$12,700

$2,500

$5,600

In this example, Joe would pay: Cost Sharing Deductibles*

$800

In this example, Mia would pay: Cost Sharing Deductibles*

Copayments

$0

Copayments

$800

Copayments

$400

Coinsurance

$1,500

Coinsurance

$20

Coinsurance

$0

$60 $4,060

What isn’t covered Limits or exclusions The total Joe would pay is

What isn’t covered Limits or exclusions The total Peg would pay is

$20 $1,640

What isn’t covered Limits or exclusions The total Mia would pay is

$0 $2,500

Note: These numbers assume the patient does not participate in the plan’s wellness program. If you participate in the plan’s wellness program, you may be able to reduce your costs. For more information about the wellness program, please contact: Healthgram.com. *Note: This plan has other deductibles for specific services included in this coverage example. See "Are there other deductibles for specific services?” row above.

The plan would be responsible for the other costs of these EXAMPLE covered services.

For more information about limitations and exceptions, see the plan or policy document at healthgram.com

RETIREMENT PLANS

401K RETIREMENT PLAN SUMMARY •

The eligibility requirements are: • 18 years of age • Entry date on the 1st day of the month following 1 month of service

•

You may be allowed to rollover into this plan all or a portion of the retirement funds you have outside this plan. Example: You may roll funds into this plan from an old 401k or IRA Plan.

•

Automatic Enrollment: After meeting elibibility requirements, you will receieve an email from Principal Financal to set up your account. At that time, you may choose your contribution amount or stop the 3% pre-tax auto enrollment.

•

You may withdraw all or part of the vested account if you can prove financial hardship and are unable to meet your financial needs another way.

•

You may take a loan from the plan. You can borrow up to 50% of the vested account balance or $50,000 (whichever is less). The minimum loan amount is $1,000. Loans must be repaid within a five-year period. You may only have one loan outstanding at any time.

•

Most withdrawals/distributions are subject to taxation and require withholding. Check with your financial/tax advisor on how this may affect you.

•

You can direct the investment of the retirement account balance by choosing among several investment options. Material for the investments can be made available through your sponsor, visiting www.principal.com, or by calling The Principal at 1-800-547-7754.

•

You may access your account information by calling 1-800-547-7754 or visit www.principal.com.

•

•

Carroll Daniel matches 100% up to 3% of your deferral for the Plan Year, plus 50% for the next 4% of your deferral. (Example: If you defer 7%, Carroll Daniel contributes 5%). Participants are immediately vested.

Contributions are made from salary deferral. You may choose to contribute up to 100% of your pay up to the 2022 maximum of $20,500 ($27,000 if age 50 and older).

•

You may set contributions to increase automatically by a set percentage each year on March 1st.

•

You may stop making deferral contributions at any time with proper notification.

This list is only meant to cover basic questions and situations.

If you have further questions regarding the plan, please call your local Retirement Planning Team at Strong Gaddy Lee Wealth Management at 770-534-0727

EDUCATION SAVINGS PLAN SUMMARY • The eligibility requirements are: ° 18 years of age ° Entry date on the 1st day of the month following 1 month of service

• You may stop making deferral contributions at any time with proper notification.

• CDCC will match 100% of the first $600 per child or beneficiary with a maximum family match of $1,200

• What is a Company Sponsored 529 Education

annually.

Savings Plan? n account you control for a stated °A beneficiary (typically a child or grandchild). he account grows tax deferred and allows °T for tax free withdrawals when used for

• You may be allowed to rollover into this plan all or a portion of other 529 Plans you have.

• You can access your account, select investment

qualifying educational expenses, such as

among several options, request withdrawals

college tuition and expenses, private K-12

and receive additional educational materials

education, technical school and more.

by visiting scholarsedge529.com, or by calling

ignificant cost saving through company °S sponsored plan versus individual plan. llows for funding through payroll °A deduction. ° Ability for company match.

1-866-529-SAVE (1-866-529-7283).

2022 BENEFIT RATES Health Plan A

*HSA

Carrier: HEALTHGRAM

Health Plan B

**HRA

Carrier: HEALTHGRAM

DENTAL Carrier: GUARDIAN

VISION Carrier: GUARDIAN

2022 BENEFIT RATES Life and AD&D Carrier: GUARDIAN

Short-Term Disability Carrier: GUARDIAN

Long-Term Disability Carrier: GUARDIAN

401K Carrier: PRINCIPAL

Education Savings Plan Carrier: PRINCIPAL

Benefits Waiting Period:

**Health Reimbursement Arrangement (HRA):

*Health Savings Account (HSA):

Spouse Health Coverage:

Salaried Employee - Date of hire Hourly Employee - 1st of the month following 60 days from date of hire

Annually, Carroll Daniel will make an upfront contribution of $1,000 if you commit a minimum of $20 per week to the account through payroll deduction.

Annually, Carroll Daniel will reimburse $1,000 once $1,500 towards your deductible has been met

Employee pays additional $100/month ($23.08/paycheck) depending on spousal affidavit as answered in Benefits Portal

DENTAL INSURANCE

Watch our video Learn how dental insurance can protect your long-term health.

Dental insurance Taking care of your teeth is about more than just covering cavities and cleanings.

It also means accounting for more expensive dental work, and your overall health.

Staying healthy Joe visits his dentist for a routine dental cleaning, to take care of his teeth as well as his overall health.

With dental insurance, routine preventive care can lead to better overall health. And you’ll be able to save money if any extensive dental work is required.

Oral health is about more than just teeth and gums. It’s also essential for a range of other health and wellbeing reasons:

Who is it for?

Cardiovascular disease: Some research suggests that heart disease, clogged arteries, and infections may be linked to inflammation and infections from oral bacteria.

Everyone should have access to great dental coverage, which is why we offer comprehensive plans that are available through employers as part of your benefit offerings.

What does it cover?

Dental insurance helps to protect your overall oral care. That includes services like preventive cleanings, x-rays, restorative services like fillings, and other more serious forms of oral surgery if you ever need them.

Why should I consider it?

Poor oral health isn’t just aesthetic, it’s also been linked to conditions including diabetes, heart disease, and strokes. So, while brushing and flossing every day can help keep your teeth clean, nothing should replace regular visits to the dentist.

Osteoporosis: Weak and brittle bones may be linked to tooth loss.

Diabetes: Research shows that people with gum disease find it more difficult to control their blood sugar levels.

Alzheimer’s disease: Tooth loss before the age of 35 may be a risk factor for Alzheimer’s disease.

All information contained here is from the Mayo Clinic, Oral Health: A Window to Your Overall Health, www.mayoclinic.com. 2018.

You will receive these benefits if you meet the conditions listed in the policy.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY 2020-104309 (07/22)

Kit created 10/13/2021 Group number:00026229

Your dental coverage PPO plan, you can visit any dentist; but you pay less out-of-pocket when you choose a PPO dentist. Out-of-network benefits are based on a percentile of the prevailing fee data for the dentist's zip code.

Your Dental Plan

PPO

Your Network is

DentalGuard Preferred

Calendar year deductible

In-Network $50

Individual Family limit Waived for Charges covered for you (co-insurance) Preventive Care Basic Care Major Care Orthodontia Annual Maximum Benefit

Out-of-Network $50 3 per family Preventive Preventive In-Network 100% 80% 50% 50%

Out-of-Network 100% 80% 50% 50%

$1500

$1500

Maximum Rollover Rollover Threshold Rollover Amount Rollover Account Limit Lifetime Orthodontia Maximum Dependent Age Limits

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY

Yes $700 $350 $1250 $1500 26

Kit created 10/13/2021 Group number: 00026229

Your dental coverage A Sample of Services Covered by Your Plan:

PPO Plan pays (on average) In-network Out-of-network Preventive Care

Basic Care

Cleaning (prophylaxis) Frequency: Fluoride Treatments Limits: Oral Exams Sealants (per tooth) X-rays

100% 100% 100%

Anesthesia* Fillings‡

80% 80%

80% 80%

Perio Surgery Periodontal Maintenance Frequency:

80% 80%

80% 80% 2 in 12 months

80%

80%

80% 80% 80% 80%

80% 80% 80% 80%

50% 50% 50% 50%

50% 50% 50% 50%

Repair & Maintenance of Crowns, Bridges & Dentures Root Canal Scaling & Root Planing (per quadrant) Simple Extractions Surgical Extractions Major Care

Orthodontia

Bridges and Dentures Inlays, Onlays, Veneers** Single Crowns Orthodontia Limits:

100% 100%

100% 2 in 12 Months 100% Under Age 19 100% 100% 100%

Child(ren)

This is only a partial list of dental services. Your certificate of benefits will show exactly what is covered and excluded. **For PPO and or Indemnity members, Crowns, Inlays, Onlays and Labial Veneers are covered only when needed because of decay or injury or other pathology when the tooth cannot be restored with amalgam or composite filing material. When Orthodontia coverage is for "Child(ren)" only, the orthodontic appliance must be placed prior to the age limit set by your plan; If full-time status is required by your plan in order to remain insured after a certain age; then orthodontic maintenance may continue as long as full-time student status is maintained. If Orthodontia coverage is for "Adults and Child(ren)" this limitation does not apply. *General Anesthesia – restrictions apply. ‡For PPO and or Indemnity members, Fillings – restrictions may apply to composite fillings.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY

Kit created 10/13/21 Group number: 00026229

Your dental coverage Manage Your Benefits:

Need Assistance?

Go to www.Guardianlife.com to access secure information about your Guardian benefits including access to an image of your ID Card. Your on-line account will be set up within 30 days after your plan effective date..

Call the Guardian Helpline (888) 600-1600, weekdays, 8:00 AM to 8:30 PM, EST. Refer to your member ID (social security number) and your plan number: 00026229 Please call the Guardian Helpline if you need to use your benefits within 30 days of plan effective date.

Please note, self-serve options over the phone or online at Guardian Anytime are not available until the case is fully implemented, please wait to speak to a live agent when calling the Guardian Helpline.

Find A Dentist: Visit www.Guardianlife.com Click on “Find A Provider”; You will need to know your plan, which can be found on the first page of your dental benefit summary.

EXCLUSIONS AND LIMITATIONS n Important Information about Guardian’s DentalGuard Indemnity and

DentalGuard Preferred Network PPO plans: This policy provides dental insurance only. Coverage is limited to those charges that are necessary to prevent, diagnose or treat dental disease, defect, or injury. Deductibles apply.

The plan does not pay for: oral hygiene services (except as covered under preventive services), orthodontia (unless expressly provided for), cosmetic or experimental treatments (unless they are expressly provided for), any treatments to the extent benefits are payable by any other payor or for which no charge is made, prosthetic devices unless certain conditions are met, and services ancillary to surgical treatment. The plan limits benefits for diagnostic

consultations and for preventive, restorative, endodontic, periodontic, and prosthodontic services. The services, exclusions and limitations listed above do not constitute a contract and are a summary only. The Guardian plan documents are the final arbiter of coverage. Contract # GP-1-DG2000 et al. n PPO and or Indemnity Special Limitation: Teeth lost or missing before a covered person becomes insured by this plan. A covered person may have one or more congenitally missing teeth or have lost one or more teeth before he became insured by this plan. We won’t pay for a prosthetic device which replaces such teeth unless the device also replaces one or more natural teeth lost or extracted after the covered person became insured by this plan. R3-DG2000

DentalGuard Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. This policy provides DENTAL insurance only.

Policy Form # GP-1-DG2000, et al, GP-1-DEN-16

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY

Kit created 10/13/21 Group number: 00026229

Oral Health Rewards Program

Automatic rollover

Regular visits to the dentist can help prevent and detect the early signs of serious diseases.

That’s why Guardian’s Maximum Rollover Oral Health Rewards Program encourages and rewards members who visit the dentist, by rolling over part of your unused annual maximum into a Maximum Rollover Account (MRA). This can be used in future years if your plan’s annual maximum is reached.

Submit a claim (without exceeding the paid claims threshold of a bene¯t year), and Guardian will roll over a portion of your unused annual dental maximum.

How maximum rollover works* Depending on a plan’s annual maximum, if claims made for a certain year don’t reach a speci¯ed threshold, then the set maximum rollover amount can be rolled over.

Plan annual maximum**

Threshold

Maximum rollover amount

Maximum rollover account limit

$1,500 Maximum claims reimbursèment

$700 Claims amount that determines rollover eligibility

$350 Additional dollars added to a plan’s annual maximum for future years

$1,250 The limit that cannot be exceeded within the maximum rollover account

* This example has been created for illustrative purposes only. ** If a plan has a di±erent annual maximum for PPO bene¯ts vs. non-PPO bene¯ts, ($1500 PPO/$1000 non-PPO for example) the non-PPO maximum determines the Maximum Rollover plan. May not be available in all states.

Guardian’s Dental Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the ¯nal arbiter of coverage.

Information provided in this communication is for informational purposes only. Dental Policy Form No. GP-1-DEN-16. GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America ® ©Copyright 2019 The Guardian Life Insurance Company of America.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America guardianlife.com © Copyright 2020 The Guardian Life Insurance Company of America 2020-105050 (07/22)

Dental Insurance — Maximum Rollover

Our oral health rewards program Help encourage good oral care

The connection between oral and overall wellness is clear. Visiting the dentist regularly can help prevent and detect early stages of many diseases and conditions. Help your clients promote good oral care with our Maximum Rollover Oral Health Rewards Program — a unique tool that encourages and rewards members who visit the dentist.

Helping employees maintain good health

• Members simply submit a claim without exceeding the paid claims threshold during the benefit year.

• Guardian will reward them by rolling over a portion of their unused annual dental maximum into their own personal Maximum Rollover Account (MRA) for future use.

• The reward can be used to supplement dental care costs in the future beyond the plan’s normal annual maximum.

• Plus! If they use the services of in-network dentists exclusively during the benefit year, we’ll increase the amount credited to the MRA!

Practice good oral health

Rollover dental funds for the future

Visit the dentist

Continue to see how Max Rollover works

How maximum rollover works

Guardian will roll over a portion of the unused annual dental maximum into a personal Maximum Rollover Account, which can be used in future years if the plan’s annual maximum is reached.

As an added advantage, additional money is rolled over if in-network dentists are used exclusively during the benefit year.

How maximum rollover works: $1,500 annual example**

Depending on the plan’s annual maximum, if claims dollars for the year don’t exceed a certain threshold, the set Maximum Rollover Amount (pre-determined based on the annual maximum) can be rolled over.

Plan Annual Maximum*

Threshold

Maximum Rollover Amount

In-Network Only Rollover Amount

Maximum Rollover Account Limit

$1,500

$700

$350

$500

$1,250

Maximum Claims Reimbursement

Claims amount that determines rollover eligibility

Additional dollars added to Plan Annual Maximum for future years

Additional dollars added to Plan Annual Maximum for future years if only in-network providers were used during the benefit year

The Maximum Rollover Account cannot exceed $1,250

Sample plan: $1,500 annual maximum

Year one: Jane starts with a $1,500 Plan Annual Maximum. She submits $150 in dental claims.

Since she did not exceed the $700 Threshold, she receives a $350 rollover that will be applied to Year Two. Year two: Jane now has an increased Plan Annual Maximum of $1,850. This year, she submits $500 in claims and receives an additional $350 rollover added to her Plan Annual Maximum.

Year three: Jane now has an increased Plan Annual Maximum of $2,200. This year, she submits $2,100 in claims. All claims are paid due to the Maximum Rollover Amount accumulated.

Year four: Jane’s Plan Annual Maximum is $1,600 ($1,500 Plan Annual Maximum + $100 remaining Maximum Rollover Amount accumulated).

- $600

+ $350 $350

+ $350 $1,500

Year 1 Annual max

$700

$1,500

$100

$1,500

Year 2

Year 3

$1,500

Year 4

Rollover balance

Contact your Guardian Group sales representative for more information.

The Guardian Life Insurance Company of America New York, NY guardianlife.com

2019-85822 (09/21)

* If a plan has a different annual maximum for PPO benefits vs. non-PPO benefits, ($1500 PPO/$1000 non-PPO for example) the non-PPO maximum determines the Maximum Rollover plan. May not be available in all states. **This example has been created for illustrative purposes only. Guardian’s Dental Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Information provided in this communication is for informational purposes only. Dental Policy Form No. GP-1-DEN-16. GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America ® ©Copyright 2019 The Guardian Life Insurance Company of America.

VISION INSURANCE

Watch our video How vision insurance can help you see clearly as you get older.

Vision insurance Vision insurance helps protect the health of your eyes by providing coverage for benefits that often aren’t covered by regular medical insurance.

Protecting your eyesight means allowing for routine visits to the optometrist for eye exams, as well as coverage for glasses and contacts. Make sure your eyes remain in great shape at any age – no matter how much time you spend staring at digital screens.

20/20 coverage David notices that his vision is deteriorating. He goes in for an eye exam, and is diagnosed with myopia, which means he needs glasses.

Average cost of vision exam: $171 Average cost of frames and lenses: $350 Total cost: $521

Who is it for?

Even if you have perfect eyesight, it’s important to have regular eye exams to make sure you’re still seeing clearly. Most of us may eventually need vision correction, which is why we offer vision insurance to cover some of the costs.

With a Vision policy from Guardian, David pays just $10 for his eye exam.

After $25 in copay, his lenses are fully covered, and he pays $96 for his frames.

What does it cover?

David’s total out-of-pocket expense is $131, saving him $390.

Vision insurance covers benefits not typically included in medical insurance plans. It covers things like routine eye exams, allowances towards the purchase of eyeglasses and contact lenses, as well as discounts on corrective Lasik surgery.

Why should I consider it?

Regular eye exams can detect more than failing eyesight, they can also pick up diseases like glaucoma and diabetes. Vision problems are one of the most prevalent disabilities in the United States, making vision insurance especially useful for anyone who regularly needs to purchase eyeglasses or contacts, or anyone who simply wants to help protect their eyesight and general health.

This example is for illustrative purposes only. Your plan’s coverage may vary. See your plan’s information on the following pages for specific amounts and details.

You will receive these benefits if you meet the conditions listed in the policy.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY 2020-104313 (07/22)

Kit created 10/13/2021 Group number:00026229

Your vision coverage Option 1: Significant out-of-pocket savings available with your Full Feature plan by visiting one of VSP’s network locations, including one of the largest private practice provider networks, Visionworks and contracted Pearle Vision locations.

Your Vision Plan

Full Feature

Your Network is

VSP Network Signature Plan

Copay Exams Copay

$ 10

Materials Copay (waived for elective contact lenses)

$ 20

Sample of Covered Services

You pay (after copay if applicable): In-network

Out-of-network

Eye Exams

$0

Amount over $50

Single Vision Lenses

$0

Amount over $48

Lined Bifocal Lenses

$0

Amount over $67

Lined Trifocal Lenses

$0

Amount over $86

Lenticular Lenses

$0

Amount over $126

Frames

80% of amount over $130¹

Amount over $48

Costco, Walmart and Sam's Club Frame Allowance

Amount over $70

Contact Lenses (Elective) Contact Lenses (Medically Necessary)

Amount over $130 $0

Amount over $120 Amount over $210

Contact Lenses (Evaluation and fitting)

15% off UCR

No discounts

Cosmetic Extras

Avg. 30% off retail price

No discounts

Glasses (Additional pair of frames and lenses)

20% off retail price^

No discounts

Laser Correction Surgery Discount

Up to 15% off the usual charge or 5% No discounts off promotional price

Service Frequencies Exams

Every calendar year

Lenses (for glasses or contact lenses)‡‡

Every calendar year

Frames

Every calendar year

Network discounts (glasses and contact lens professional service)

Limitless within 12 months of exam.

Dependent Age Limits To Find a Provider:

26 Register at VSP.com to find a participating provider.

VSP • Covered in full lens options (In Network Only): Adult Polycarbonate Lens, Anti-Reflective Lens Coating, Progressive Lens Coverage, Oversized Lenses • Additional Features Benefits: Diabetic Eyecare • ‡‡Benefit includes coverage for glasses or contact lenses, not both.

• ^ For the discount to apply your purchase must be made within 12 months of the eye exam. In addition Full-Feature plans offer 30% off additional prescription

glasses and nonprescription sunglasses, including lens options, if purchased on the same day as the eye exam from the same VSP doctor who provided the exam.

• Charges for an initial purchase can be used toward the material allowance. Any unused balance remaining after the initial purchase cannot be banked for future use.

The only exception would be if a member purchases contact lenses from an out of network provider, members can use the balance towards additional contact lenses within the same benefit period.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY

Kit created 10/13/2021 Group number: 00026229

Your vision coverage 1 • Extra $20 on select brands • Members can use their in network benefits on line at Eyeconic.com.

EXCLUSIONS AND LIMITATIONS Important Information: This policy provides vision care limited benefits health insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department.

Coverage is limited to those charges that are necessary for a routine vision examination. Co-pays apply. The plan does not pay for: orthoptics or vision training and any associated supplemental testing; medical or surgical treatment of the eye; and eye examination or corrective eyewear required by an employer as a condition of employment; replacement of lenses and frames that are furnished under this plan, which are lost or broken (except at normal intervals when services are otherwise available or a warranty exists). The plan limits benefits for blended lenses, oversized lenses, photochromic lenses, tinted lenses, progressive multifocal lenses, coated or laminated lenses, a frame that exceeds plan allowance, cosmetic lenses; U-V protected lenses and optional cosmetic processes.

The services, exclusions and limitations listed above do not constitute a contract and are a summary only. The Guardian plan documents are the final arbiter of coverage. Contract #GP-1-VSN-96-VIS et al.

Laser Correction Surgery: Discounts on average of 10-20% off usual and customary charge or 5% off promotional price for vision laser Surgery. Members out-of-pocket costs are limited to $1,800 per eye for LASIK or $1,500 per eye for PRK or $2300 per eye for Custom LASIK, Custom PRK, or Bladeless LASIK. Laser surgery is not an insured benefit. The surgery is available at a discounted fee. The covered person must pay the entire discounted fee. In addition, the laser surgery discount may not be available in all states.

Guardian’s Vision Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. This policy provides vision care limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. Plan documents are the final arbiter of coverage.

Policy Form # GP-1-GVSN-17

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY

Kit created 10/13/2021 Group number: 00026229

SHORT-TERM DISABILITY

LONG-TERM DISABILITY

Watch our video How short term disability insurance can supplement your income.

Exempt Employees

Disability insurance Short term disability Disability insurance covers a part of your income, so you can pay your bills if you’re injured or sick and can’t work.

Disability may be more common than you might realize, and people can be unable to work for all sorts of different reasons.

There are times when many disabilities can be caused by lllness, including common conditions like heart disease and arthritis. However, many disabilities aren't covered by workers' compensation.

Partial income replacement Mike injures his back in a bicycle accident and can’t work for 13 weeks.

Unpaid time off work: 13 weeks Elimination period: 1 week

Who is it for?

After a 1-week elimination period following his accident, Mike’s Guardian Short Term Disability policy kicks in and replaces $400 of his weekly income for the remaining 12 weeks of his rehabilitation.

If you rely on your income to pay for everyday expenses, then you should probably consider disability insurance. It helps ensure that you’ll receive a partial income if you’re injured or too sick to work.

This gives him a total of $4,800 to cover his expenses while he’s unable to work.

What does it cover?

Many disability insurance plans pay out a portion or percentage of your income if you’re diagnosed with a serious illness or experience an injury that prevents you from doing your job.

Why should I consider it?

Accidents happen, and you can’t always anticipate if or when you’ll become sick or injured. That’s why it’s important to have a disability policy that helps you pay your bills in the event of being unable to collect your normal paycheck.

This example is for illustrative purposes only. Your plan’s coverage may vary. See your plan’s information on the following pages for specific amounts and details.

You will receive these benefits if you meet the conditions listed in the policy.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY ALL ELIGIBLE EXEMPT EMPLOYEES 2021-117409 (03/23)

Kit created 10/13/2021 Group number: 00026229

Watch our video How long term disability insurance can supplement your income.

Disability insurance Long term disability Disability insurance covers a part of your income, so you can pay your bills if you’re injured or sick and can’t work.

Disability may be more common than you might realize, and people can be unable to work for all sorts of different reasons.

There are times when many disabilities can be caused by lllness, including common conditions like heart disease and arthritis. However, many disabilities aren't covered by workers' compensation.

Who is it for?

If you rely on your income to pay for everyday expenses, then you should probably consider disability insurance. It helps ensure that you’ll receive a partial income if you’re injured or too sick to work.

Partial income replacement Jim suffers a heart attack that leaves him unable to work for two years.

Unpaid time off work: 24 months Elimination period: 6 months After a 6 month elimination period, Jim’s Guardian Long Term Disability policy kicks in and replaces $2,000 of his monthly income for the remaining 18 months of his disability or illness.

This gives him a total of $36,000 to cover his expenses while he’s unable to work.

What does it cover?

Many disability insurance plans pay out a portion or percentage of your income if you’re diagnosed with a serious illness or experience an injury that prevents you from doing your job.

Why should I consider it?

Accidents happen, and you can’t always anticipate if or when you’ll become sick or injured. That’s why it’s important to have a disability policy that helps you pay your bills in the event of being unable to collect your normal paycheck.

This example is for illustrative purposes only. Your plan’s coverage may vary. See your plan’s information on the following pages for specific amounts and details.

You will receive these benefits if you meet the conditions listed in the policy.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY ALL ELIGIBLE EXEMPT EMPLOYEES 2021-117392 (03/23)

Kit created 10/13/2021 Group number:00026229

Your disability coverage Short-Term Disability

Long-Term Disability

.

Coverage amount

60% of salary to maximum $1500/week

60% of salary to maximum $6500/month

Maximum payment period: Maximum length of time you can receive disability benefits.

12 weeks

Social Security Normal Retirement Age

Accident benefits begin: The length of time you must be disabled before benefits begin.

Day 8

Day 91

Illness benefits begin: The length of time you must be disabled before benefits begin.

Day 8

Day 91

Evidence of Insurability: A health statement requiring you to answer a few medical history questions.

Health Statement may be required

Health Statement may be required

Guarantee Issue: The ‘guarantee’ means you are not required to answer health questions to qualify for coverage up to and including the specified amount, when applicant signs up for coverage during the initial enrollment period.

We Guarantee Issue $1500 in coverage

We Guarantee Issue $6500 in coverage

Minimum work hours/week: Minimum number of hours you must regularly work each week to be eligible for coverage.

Planholder Determines

Planholder Determines

Pre-existing conditions: A pre-existing condition includes any condition/symptom for which you, in the specified time period prior to coverage in this plan, consulted with a physician, received treatment, or took prescribed drugs.

Not Applicable

3 months look back; 12 months after exclusion

Survivor benefit: Additional benefit payable to your family if you die while disabled.

4 weeks

3 months

UNDERSTANDING YOUR BENEFITS—DISABILITY (Some information may vary by state) l

l l

l

Disability (long-term): For first two years of disability, you will receive benefit payments while you are unable to work in your own occupation. After two years, you will continue to receive benefits if you cannot work in any occupation based on training, experience and education.

Earnings definition: Your covered salary excludes bonuses and commissions.

Special limitations: Provides a 24-month benefit limit for specific conditions including mental health and substance abuse.

Other conditions such as chronic fatigue are also included in this limitation. Refer to contract for details.

Work incentive: Plan benefit will not be reduced for a specified amount of months so that you have part-time earnings while you remain disabled, unless the combined benefit and earnings exceed 100% of your previous earnings.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY ALL ELIGIBLE EXEMPT EMPLOYEES

Kit created 10/13/2021 Group number: 00026229

Your disability coverage A SUMMARY OF DISABILITY PLAN LIMITATIONS AND EXCLUSIONS n

n

n

n

n

Evidence of Insurability is required on all late enrollees. This coverage will not be effective until approved by a Guardian underwriter. This proposal is hedged subject to satisfactory financial evaluation. Please refer to certificate of coverage for full plan description.

but not limited to the operation of a motor vehicle, and for the voluntary use of any poison, chemical, prescription or non-prescription drug or controlled substance unless it has been prescribed by a doctor and is used as prescribed. We limit the duration of payments for long term disabilities caused by mental or emotional conditions, or alcohol or drug abuse. We do not pay benefits during any period in which a covered person is confined to a correctional facility, an employee is not under the care of a doctor, an employee is receiving treatment outside of the US or Canada, and the employee’s loss of earnings is not solely due to disability.

You must be working full-time on the effective date of your coverage; otherwise, your coverage becomes effective after you have completed a specific waiting period.

Employees must be legally working in the United States in order to be eligible for coverage. Underwriting must approve coverage for employees on temporary assignment: (a) exceeding one year; or (b) in an area under travel warning by the US Department of State. Subject to state specific variations.

For Long-Term Disability coverage, we pay no benefits for a disability caused or contributed to by a pre-existing condition unless the disability starts after you have been insured under this plan for a specified period of time. We limit the duration of payments for long term disabilities caused by mental or emotional conditions, or alcohol or drug abuse.

We do not pay benefits for charges relating to a covered person: taking part in any war or act of war (including service in the armed forces) committing a felony or taking part in any riot or other civil disorder or intentionally injuring themselves or attempting suicide while sane or insane.

We do not pay benefits for charges relating to legal intoxication, including

n

n

n

This policy provides disability income insurance only. It does not provide "basic hospital", "basic medical", or "medical" insurance as defined by the New York State Insurance Department.

If this plan is transferred from another insurance carrier, the time an insured is covered under that plan will count toward satisfying Guardian's pre-existing condition limitation period. State variations may apply.

When applicable, this coverage will integrate with NJ TDB, NY DBL, CA SDI, RI TDI, Hawaii TDI and Puerto Rico DBA, DC PFML and WA PFML. Contract #.s GP-1-STD94-1.0 et al; GP-1-STD2K-1.0 et al; GP-1-STD07-1.0 et al; GP-1-STD-15-1.0 et al. Contract #.s GP-1-LTD94-A,B,C-1.0 et al.; GP-1-LTD2K-1.0 et al; GP-1-LTD07-1.0 et al; GP-1-LTD-15-1.0 et al.

Guardian’s Group Short Term Disability and Long Term Disability Insurance are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. Plan documents are the final arbiter of coverage.

Policy Form #GP-1-STD07-1.0, et al, GP-1-STD-15, #GP-1-LTD07-1.0, et al, GP-1-LTD-15

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY ALL ELIGIBLE EXEMPT EMPLOYEES

Kit created 10/13/2021 Group number: 00026229

Watch our video How short term disability insurance can supplement your income.

Non-Exempt Employees

Disability insurance Short term disability Disability insurance covers a part of your income, so you can pay your bills if you’re injured or sick and can’t work.

Disability may be more common than you might realize, and people can be unable to work for all sorts of different reasons.

There are times when many disabilities can be caused by lllness, including common conditions like heart disease and arthritis. However, many disabilities aren't covered by workers' compensation.

Partial income replacement Mike injures his back in a bicycle accident and can’t work for 13 weeks.

Unpaid time off work: 13 weeks Elimination period: 1 week

Who is it for?

After a 1-week elimination period following his accident, Mike’s Guardian Short Term Disability policy kicks in and replaces $400 of his weekly income for the remaining 12 weeks of his rehabilitation.

If you rely on your income to pay for everyday expenses, then you should probably consider disability insurance. It helps ensure that you’ll receive a partial income if you’re injured or too sick to work.

This gives him a total of $4,800 to cover his expenses while he’s unable to work.

What does it cover?

Many disability insurance plans pay out a portion or percentage of your income if you’re diagnosed with a serious illness or experience an injury that prevents you from doing your job.

Why should I consider it?

Accidents happen, and you can’t always anticipate if or when you’ll become sick or injured. That’s why it’s important to have a disability policy that helps you pay your bills in the event of being unable to collect your normal paycheck.

This example is for illustrative purposes only. Your plan’s coverage may vary. See your plan’s information on the following pages for specific amounts and details.

You will receive these benefits if you meet the conditions listed in the policy.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY ALL ELIGIBLE NON EXEMPT EMPLOYEES 2021-117409 (03/23)

Kit created 10/13/2021 Group number: 00026229

Watch our video How long term disability insurance can supplement your income.

Disability insurance Long term disability Disability insurance covers a part of your income, so you can pay your bills if you’re injured or sick and can’t work.

Disability may be more common than you might realize, and people can be unable to work for all sorts of different reasons.

There are times when many disabilities can be caused by lllness, including common conditions like heart disease and arthritis. However, many disabilities aren't covered by workers' compensation.

Who is it for?

If you rely on your income to pay for everyday expenses, then you should probably consider disability insurance. It helps ensure that you’ll receive a partial income if you’re injured or too sick to work.

Partial income replacement Jim suffers a heart attack that leaves him unable to work for two years.

Unpaid time off work: 24 months Elimination period: 6 months After a 6 month elimination period, Jim’s Guardian Long Term Disability policy kicks in and replaces $2,000 of his monthly income for the remaining 18 months of his disability or illness.

This gives him a total of $36,000 to cover his expenses while he’s unable to work.

What does it cover?

Many disability insurance plans pay out a portion or percentage of your income if you’re diagnosed with a serious illness or experience an injury that prevents you from doing your job.

Why should I consider it?

Accidents happen, and you can’t always anticipate if or when you’ll become sick or injured. That’s why it’s important to have a disability policy that helps you pay your bills in the event of being unable to collect your normal paycheck.

This example is for illustrative purposes only. Your plan’s coverage may vary. See your plan’s information on the following pages for specific amounts and details.

You will receive these benefits if you meet the conditions listed in the policy.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY ALL ELIGIBLE NON EXEMPT EMPLOYEES 2021-117392 (03/23)

Kit created 10/13/2021 Group number:00026229

Your disability coverage Short-Term Disability

Long-Term Disability

.

Coverage amount

60% of salary to maximum $1500/week

60% of salary to maximum $3000/month

Maximum payment period: Maximum length of time you can receive disability benefits.

12 weeks

Social Security Normal Retirement Age

Accident benefits begin: The length of time you must be disabled before benefits begin.

Day 8

Day 91

Illness benefits begin: The length of time you must be disabled before benefits begin.

Day 8

Day 91

Evidence of Insurability: A health statement requiring you to answer a few medical history questions.

Health Statement may be required

Health Statement may be required

Guarantee Issue: The ‘guarantee’ means you are not required to answer health questions to qualify for coverage up to and including the specified amount, when applicant signs up for coverage during the initial enrollment period.

We Guarantee Issue $1500 in coverage

We Guarantee Issue $3000 in coverage

Minimum work hours/week: Minimum number of hours you must regularly work each week to be eligible for coverage.

Planholder Determines

Planholder Determines

Pre-existing conditions: A pre-existing condition includes any condition/symptom for which you, in the specified time period prior to coverage in this plan, consulted with a physician, received treatment, or took prescribed drugs.

Not Applicable

3 months look back; 12 months after exclusion

Survivor benefit: Additional benefit payable to your family if you die while disabled.

4 weeks

3 months

UNDERSTANDING YOUR BENEFITS—DISABILITY (Some information may vary by state) l

l l

l

Disability (long-term): For first two years of disability, you will receive benefit payments while you are unable to work in your own occupation. After two years, you will continue to receive benefits if you cannot work in any occupation based on training, experience and education.

Earnings definition: Your covered salary excludes bonuses and commissions.

Special limitations: Provides a 24-month benefit limit for specific conditions including mental health and substance abuse.

Other conditions such as chronic fatigue are also included in this limitation. Refer to contract for details.

Work incentive: Plan benefit will not be reduced for a specified amount of months so that you have part-time earnings while you remain disabled, unless the combined benefit and earnings exceed 100% of your previous earnings.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY ALL ELIGIBLE NON EXEMPT EMPLOYEES

Kit created 10/13/2021 Group number: 00026229

Your disability coverage A SUMMARY OF DISABILITY PLAN LIMITATIONS AND EXCLUSIONS n

n

n

n

n

Evidence of Insurability is required on all late enrollees. This coverage will not be effective until approved by a Guardian underwriter. This proposal is hedged subject to satisfactory financial evaluation. Please refer to certificate of coverage for full plan description.

but not limited to the operation of a motor vehicle, and for the voluntary use of any poison, chemical, prescription or non-prescription drug or controlled substance unless it has been prescribed by a doctor and is used as prescribed. We limit the duration of payments for long term disabilities caused by mental or emotional conditions, or alcohol or drug abuse. We do not pay benefits during any period in which a covered person is confined to a correctional facility, an employee is not under the care of a doctor, an employee is receiving treatment outside of the US or Canada, and the employee’s loss of earnings is not solely due to disability.

You must be working full-time on the effective date of your coverage; otherwise, your coverage becomes effective after you have completed a specific waiting period.

Employees must be legally working in the United States in order to be eligible for coverage. Underwriting must approve coverage for employees on temporary assignment: (a) exceeding one year; or (b) in an area under travel warning by the US Department of State. Subject to state specific variations.

For Long-Term Disability coverage, we pay no benefits for a disability caused or contributed to by a pre-existing condition unless the disability starts after you have been insured under this plan for a specified period of time. We limit the duration of payments for long term disabilities caused by mental or emotional conditions, or alcohol or drug abuse.

We do not pay benefits for charges relating to a covered person: taking part in any war or act of war (including service in the armed forces) committing a felony or taking part in any riot or other civil disorder or intentionally injuring themselves or attempting suicide while sane or insane.

We do not pay benefits for charges relating to legal intoxication, including

n

n

n

This policy provides disability income insurance only. It does not provide "basic hospital", "basic medical", or "medical" insurance as defined by the New York State Insurance Department.

If this plan is transferred from another insurance carrier, the time an insured is covered under that plan will count toward satisfying Guardian's pre-existing condition limitation period. State variations may apply.

When applicable, this coverage will integrate with NJ TDB, NY DBL, CA SDI, RI TDI, Hawaii TDI and Puerto Rico DBA, DC PFML and WA PFML. Contract #.s GP-1-STD94-1.0 et al; GP-1-STD2K-1.0 et al; GP-1-STD07-1.0 et al; GP-1-STD-15-1.0 et al. Contract #.s GP-1-LTD94-A,B,C-1.0 et al.; GP-1-LTD2K-1.0 et al; GP-1-LTD07-1.0 et al; GP-1-LTD-15-1.0 et al.

Guardian’s Group Short Term Disability and Long Term Disability Insurance are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. Plan documents are the final arbiter of coverage.

Policy Form #GP-1-STD07-1.0, et al, GP-1-STD-15, #GP-1-LTD07-1.0, et al, GP-1-LTD-15

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY ALL ELIGIBLE NON EXEMPT EMPLOYEES

Kit created 10/13/2021 Group number: 00026229

LIFE INSURANCE

Watch our video How life insurance protects families and covers critical costs.

Life insurance If something happens to you, life insurance can help your family reduce financial stress.

Life insurance helps protect your family’s finances by providing a cash benefit if you pass away. This ensures that they’ll be financially supported, and can cover important things from bills to funeral costs. With life policies, you can get affordable life insurance protection for a set period of time.

Who is it for?

Preparing and planning Jorge’s never considered purchasing life insurance, but after being offered it through work, he decides it’s a smart way to protect his family.

Jorge has a mortgage, and because his wife is helping to take care of her mother, she only works part-time. In addition, his daughter is about to start college.

Everyone’s life insurance needs are different, depending on their family situation. That’s why group life insurance through an employer is an easier and more affordable option than individual life insurance.

Jorge looks at how his family would be affected by losing him.

What does it cover?

Average mortgage debt: $202,000

Life insurance protects your loved ones by providing a benefit (which is usually tax-exempt) if you pass away.

Average cost of college: $17,000 $44,000

Why should I consider it?

Average household credit card debt: $8,500

Life insurance is about more than just covering expenses. Depending on your circumstances, it could take your family years to recover from the loss of your income.

With a life insurance benefit, your family will have extra money to cover mortgage and rent payments, legal or medical fees, childcare, tuition, and any outstanding debts.

Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

Average funeral cost: $9,000

With life insurance, Jorge can make sure that part of these costs are covered if something happens to him.

This example is for illustrative purposes only. Your plan’s coverage may vary. See your plan’s information on the following pages for specific amounts and details.

You will receive these benefits if you meet the conditions listed in the policy.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY 2020-104318 (07/22)

Kit created 10/29/2021 Group number:00026229

Your life coverage BASIC LIFE

VOLUNTARY TERM LIFE

Employee Benefit

Your employer provides $30,000 Basic Term Life coverage for all full time employees.

$10,000 increments to a maximum of $500,000. See Cost Illustration page for details.

Accidental Death and Dismemberment

Your Basic Life coverage includes Enhanced Accidental Death and Dismemberment coverage.

Not available

Spouse Benefit

N/A

$5,000 increments to a maximum of $250,000. See Cost Illustration page for details.‡

Child Benefit

N/A

Your dependent children age birth† to 26 years.

You may elect one of the following benefit options: $10,000.

Subject to state limits. See Cost Illustration page for details.

Guarantee Issue: The ‘guarantee’ means you are not required to answer health questions to qualify for coverage up to and including the specified amount, when you sign up for coverage during the initial enrollment period.

Guarantee Issue coverage up to $30,000 per employee

We Guarantee Issue coverage up to: Employee $150,000.

Spouse $30,000.

Dependent children $10,000.

Premiums

Covered by your company if you meet eligibility requirements

Increase on plan anniversary after you enter next five-year age group

Portability: Allows you to take coverage with you if you terminate employment.

No

Yes, with age and other restrictions

Conversion: Allows you to continue your coverage after your group plan has terminated.

Yes, with restrictions; see certificate of benefits

Yes, with restrictions; see certificate of benefits

Accelerated Life Benefit: A lump sum benefit is paid to you if you are diagnosed with a terminal condition, as defined by the plan.

Yes

Yes

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY

Kit created 10/29/2021 Group number: 00026229

Your life coverage

BASIC LIFE

VOLUNTARY TERM LIFE

Waiver of Premiums: Premium will not need to be paid if you are totally disabled.

For employees disabled prior to age 60, with premiums waived until age 65, if conditions are met

For employees disabled prior to age 60, with premiums waived until age 65, if conditions met

Benefit Reductions: Benefits are reduced by a certain percentage as an employee ages.

35% at age 65, 50% at age 70

35% at age 65, 60% at age 70, 75% at age 75, 90% at age 80

Subject to coverage limits and Voluntary Life: Infant coverage is limited based on age.

Spouse coverage terminates at age 70.

Annual Election Option allows employees to increase the amount of their life coverage without a medical exam when they re-enroll in their company’s Voluntary Life plan. This option allows employees to step up to an amount of up to $50,000, up to the Guarantee Issue amount.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY

Kit created 10/29/2021 Group number: 00026229

Voluntary Life Cost Illustration: To determine the most appropriate level of coverage, as a rule of thumb, you should consider about 6 - 10 times your annual income, factoring in projected costs to help maintain your family’s current life style.

Monthly premiums displayed.

Policy Election Cost Per Age Bracket

Policy Election Amount < 30

30–34

35–39

40–44

45–49

50–54

55–59

60–64

65–69†

$10,000

$.99

$1.17

$1.44

$2.16

$3.65

$6.93

$10.89

$13.23

$23.49

$20,000

$1.98

$2.34

$2.88

$4.32

$7.30

$13.86

$21.78

$26.46

$46.98

$30,000

$2.97

$3.51

$4.32

$6.48

$10.95

$20.79

$32.67

$39.69

$70.47

$40,000

$3.96

$4.68

$5.76

$8.64

$14.60

$27.72

$43.56

$52.92

$93.96

$50,000

$4.95

$5.85

$7.20

$10.80

$18.25

$34.65

$54.45

$66.15

$117.45

$60,000

$5.94

$7.02

$8.64

$12.96

$21.90

$41.58

$65.34

$79.38

$140.94

$70,000

$6.93

$8.19

$10.08

$15.12

$25.55

$48.51

$76.23

$92.61

$164.43

$80,000

$7.92

$9.36

$11.52

$17.28

$29.20

$55.44

$87.12

$105.84

$187.92

$90,000

$8.91

$10.53

$12.96

$19.44

$32.85

$62.37

$98.01

$119.07

$211.41

$100,000

$9.90

$11.70

$14.40

$21.60

$36.50

$69.30

$108.90

$132.30

$234.90

$110,000

$10.89

$12.87

$15.84

$23.76

$40.15

$76.23

$119.79

$145.53

$258.39

$120,000

$11.88

$14.04

$17.28

$25.92

$43.80

$83.16

$130.68

$158.76

$281.88

$130,000

$12.87

$15.21

$18.72

$28.08

$47.45

$90.09

$141.57

$171.99

$305.37

$140,000

$13.86

$16.38

$20.16

$30.24

$51.10

$97.02

$152.46

$185.22

$328.86

$150,000

$14.85

$17.55

$21.60

$32.40

$54.75

$103.95

$163.35

$198.45

$352.35

$160,000

$15.84

$18.72

$23.04

$34.56

$58.40

$110.88

$174.24

$211.68

$375.84

$170,000

$16.83

$19.89

$24.48

$36.72

$62.05

$117.81

$185.13

$224.91

$399.33

$180,000

$17.82

$21.06

$25.92

$38.88

$65.70

$124.74

$196.02

$238.14

$422.82

$190,000

$18.81

$22.23

$27.36

$41.04

$69.35

$131.67

$206.91

$251.37

$446.31

$200,000

$19.80

$23.40

$28.80

$43.20

$73.00

$138.60

$217.80

$264.60

$469.80

$210,000

$20.79

$24.57

$30.24

$45.36

$76.65

$145.53

$228.69

$277.83

$493.29

$220,000

$21.78

$25.74

$31.68

$47.52

$80.30

$152.46

$239.58

$291.06

$516.78

$230,000

$22.77

$26.91

$33.12

$49.68

$83.95

$159.39

$250.47

$304.29

$540.27

$240,000

$23.76

$28.08

$34.56

$51.84

$87.60

$166.32

$261.36

$317.52

$563.76

$250,000

$24.75

$29.25

$36.00

$54.00

$91.25

$173.25

$272.25

$330.75

$587.25

$260,000

$25.74

$30.42

$37.44

$56.16

$94.90

$180.18

$283.14

$343.98

$610.74

$270,000

$26.73

$31.59

$38.88

$58.32

$98.55

$187.11

$294.03

$357.21

$634.23

$280,000

$27.72

$32.76

$40.32

$60.48

$102.20

$194.04

$304.92

$370.44

$657.72

$290,000

$28.71

$33.93

$41.76

$62.64

$105.85

$200.97

$315.81

$383.67

$681.21

Employee

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY

Kit created 10/29/2021 Group number: 00026229

Voluntary Life Cost Illustration continued < 30

30–34

35–39

40–44

45–49

50–54

55–59

60–64

65–69†

$300,000

$29.70

$35.10

$43.20

$64.80

$109.50

$207.90

$326.70

$396.90

$704.70

$310,000

$30.69

$36.27

$44.64

$66.96

$113.15

$214.83

$337.59

$410.13

$728.19

$320,000

$31.68

$37.44

$46.08

$69.12

$116.80

$221.76

$348.48

$423.36

$751.68

$330,000

$32.67

$38.61

$47.52

$71.28

$120.45

$228.69

$359.37

$436.59

$775.17

$340,000

$33.66

$39.78

$48.96

$73.44

$124.10

$235.62

$370.26

$449.82

$798.66

$350,000

$34.65

$40.95

$50.40

$75.60

$127.75

$242.55

$381.15

$463.05

$822.15

$360,000

$35.64

$42.12

$51.84

$77.76

$131.40

$249.48

$392.04

$476.28

$845.64

$370,000

$36.63

$43.29

$53.28

$79.92

$135.05

$256.41

$402.93

$489.51

$869.13

$380,000

$37.62

$44.46

$54.72

$82.08

$138.70

$263.34

$413.82

$502.74

$892.62

$390,000

$38.61

$45.63

$56.16

$84.24

$142.35

$270.27

$424.71

$515.97

$916.11

$400,000

$39.60

$46.80

$57.60

$86.40

$146.00

$277.20

$435.60

$529.20

$939.60

$410,000

$40.59

$47.97

$59.04

$88.56

$149.65

$284.13

$446.49

$542.43

$963.09

$420,000

$41.58

$49.14

$60.48

$90.72

$153.30

$291.06

$457.38

$555.66

$986.58

$430,000

$42.57

$50.31

$61.92

$92.88

$156.95

$297.99

$468.27

$568.89 $1,010.07

$440,000

$43.56

$51.48

$63.36

$95.04

$160.60

$304.92

$479.16

$582.12 $1,033.56

$450,000

$44.55

$52.65

$64.80

$97.20

$164.25

$311.85

$490.05

$595.35 $1,057.05

$460,000

$45.54

$53.82

$66.24

$99.36

$167.90

$318.78

$500.94

$608.58 $1,080.54

$470,000

$46.53

$54.99

$67.68

$101.52

$171.55

$325.71

$511.83

$621.81 $1,104.03

$480,000

$47.52

$56.16

$69.12

$103.68

$175.20

$332.64

$522.72

$635.04 $1,127.52

$490,000

$48.51

$57.33

$70.56

$105.84

$178.85

$339.57

$533.61

$648.27 $1,151.01

$500,000

$49.50

$58.50

$72.00

$108.00

$182.50

$346.50

$544.50

$661.50 $1,174.50

Policy Election Amount Spouse $5,000

$.50

$.59

$.72

$1.08

$1.83

$3.47

$5.45

$6.62

$11.75

$10,000

$.99

$1.17

$1.44

$2.16

$3.65

$6.93

$10.89

$13.23

$23.49

$15,000

$1.49

$1.76

$2.16

$3.24

$5.48

$10.40

$16.34

$19.85

$35.24

$20,000

$1.98

$2.34

$2.88

$4.32

$7.30

$13.86

$21.78

$26.46

$46.98

$25,000

$2.48

$2.93

$3.60

$5.40

$9.13

$17.33

$27.23

$33.08

$58.73

$30,000

$2.97

$3.51

$4.32

$6.48

$10.95

$20.79

$32.67

$39.69

$70.47

$35,000

$3.47

$4.10

$5.04

$7.56

$12.78

$24.26

$38.12

$46.31

$82.22

$40,000

$3.96

$4.68

$5.76

$8.64

$14.60

$27.72

$43.56

$52.92

$93.96

$45,000

$4.46

$5.27

$6.48

$9.72

$16.43

$31.19

$49.01

$59.54

$105.71

$50,000

$4.95

$5.85

$7.20

$10.80

$18.25

$34.65

$54.45

$66.15

$117.45

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY

Kit created 10/29/2021 Group number: 00026229

Voluntary Life Cost Illustration continued < 30

30–34

35–39

40–44

45–49

50–54

55–59

60–64

65–69†

$55,000

$5.45

$6.44

$7.92

$11.88

$20.08

$38.12

$59.90

$72.77

$129.20

$60,000

$5.94

$7.02

$8.64

$12.96

$21.90

$41.58

$65.34

$79.38

$140.94

$65,000

$6.44

$7.61

$9.36

$14.04

$23.73

$45.05

$70.79

$86.00

$152.69

$70,000

$6.93

$8.19

$10.08

$15.12

$25.55

$48.51

$76.23

$92.61

$164.43

$75,000

$7.43

$8.78

$10.80

$16.20

$27.38

$51.98

$81.68

$99.23

$176.18

$80,000

$7.92

$9.36

$11.52

$17.28

$29.20

$55.44

$87.12

$105.84

$187.92

$85,000

$8.42

$9.95

$12.24

$18.36

$31.03

$58.91

$92.57

$112.46

$199.67

$90,000

$8.91

$10.53

$12.96

$19.44

$32.85

$62.37

$98.01

$119.07

$211.41

$95,000

$9.41

$11.12

$13.68

$20.52

$34.68

$65.84

$103.46

$125.69

$223.16

$100,000

$9.90

$11.70

$14.40

$21.60

$36.50

$69.30

$108.90

$132.30

$234.90

$105,000

$10.40

$12.29

$15.12

$22.68

$38.33

$72.77

$114.35

$138.92

$246.65

$110,000

$10.89

$12.87

$15.84

$23.76

$40.15

$76.23

$119.79

$145.53

$258.39

$115,000

$11.39

$13.46

$16.56

$24.84

$41.98

$79.70

$125.24

$152.15

$270.14

$120,000

$11.88

$14.04

$17.28

$25.92

$43.80

$83.16

$130.68

$158.76

$281.88

$125,000

$12.38

$14.63

$18.00

$27.00

$45.63

$86.63

$136.13

$165.38

$293.63

$130,000

$12.87

$15.21

$18.72

$28.08

$47.45

$90.09

$141.57

$171.99

$305.37

$135,000

$13.37

$15.80

$19.44

$29.16

$49.28

$93.56

$147.02

$178.61

$317.12

$140,000

$13.86

$16.38

$20.16

$30.24

$51.10

$97.02

$152.46

$185.22

$328.86

$145,000

$14.36

$16.97

$20.88

$31.32

$52.93

$100.49

$157.91

$191.84

$340.61

$150,000

$14.85

$17.55

$21.60

$32.40

$54.75

$103.95

$163.35

$198.45

$352.35

$155,000

$15.35

$18.14

$22.32

$33.48

$56.58

$107.42

$168.80

$205.07

$364.10

$160,000

$15.84

$18.72

$23.04

$34.56

$58.40

$110.88

$174.24

$211.68

$375.84

$165,000

$16.34

$19.31

$23.76

$35.64

$60.23

$114.35

$179.69

$218.30

$387.59

$170,000

$16.83

$19.89

$24.48

$36.72

$62.05

$117.81

$185.13

$224.91

$399.33

$175,000

$17.33

$20.48

$25.20

$37.80

$63.88

$121.28

$190.58

$231.53

$411.08

$180,000

$17.82

$21.06

$25.92

$38.88

$65.70

$124.74

$196.02

$238.14

$422.82

$185,000

$18.32

$21.65

$26.64

$39.96

$67.53

$128.21

$201.47

$244.76

$434.57

$190,000

$18.81

$22.23

$27.36

$41.04

$69.35

$131.67

$206.91

$251.37

$446.31

$195,000

$19.31

$22.82

$28.08

$42.12

$71.18

$135.14

$212.36

$257.99

$458.06

$200,000

$19.80

$23.40

$28.80

$43.20

$73.00

$138.60

$217.80

$264.60

$469.80

$205,000

$20.30

$23.99

$29.52

$44.28

$74.83

$142.07

$223.25

$271.22

$481.55

$210,000

$20.79

$24.57

$30.24

$45.36

$76.65

$145.53

$228.69

$277.83

$493.29

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY

Kit created 10/29/2021 Group number: 00026229

Voluntary Life Cost Illustration continued < 30

30–34

35–39

40–44

45–49

50–54

55–59

60–64

65–69†

$215,000

$21.29

$25.16

$30.96

$46.44

$78.48

$149.00

$234.14

$284.45

$505.04

$220,000

$21.78

$25.74

$31.68

$47.52

$80.30

$152.46

$239.58

$291.06

$516.78

$225,000

$22.28

$26.33

$32.40

$48.60

$82.13

$155.93

$245.03

$297.68

$528.53

$230,000

$22.77

$26.91

$33.12

$49.68

$83.95

$159.39

$250.47

$304.29

$540.27

$235,000

$23.27

$27.50

$33.84

$50.76

$85.78

$162.86

$255.92

$310.91

$552.02

$240,000

$23.76

$28.08

$34.56

$51.84

$87.60

$166.32

$261.36

$317.52

$563.76

$245,000

$24.26

$28.67

$35.28

$52.92

$89.43

$169.79

$266.81

$324.14

$575.51

$250,000

$24.75

$29.25

$36.00

$54.00

$91.25

$173.25

$272.25

$330.75

$587.25

$2.00

$2.00

$2.00

$2.00

$2.00

$2.00

$2.00

$2.00

Policy Election Amount Child(ren) $10,000

$2.00

Refer to Guarantee Issue row on page above for Voluntary Life GI amounts.

Premiums for Voluntary Life Increase in five-year increments Infant coverage is limited for the first two weeks of infant’s life.

Spouse coverage premium is based on Spouse age. †Benefit reductions apply.

LIMITATIONS AND EXCLUSIONS: A SUMMARY OF PLAN LIMITATIONS AND EXCLUSIONS FOR LIFE AND AD&D COVERAGE: You must be working full-time on the effective date of your coverage; otherwise, your coverage becomes effective after you have completed a specific waiting period. Employees must be legally working in the United States in order to be eligible for coverage.

Underwriting must approve coverage for employees on temporary assignment: (a) exceeding one year; or (b) in an area under travel warning by the US Department of State.

Subject to state specific variations. Evidence of Insurability is required on all late enrollees.

This coverage will not be effective until approved by a Guardian underwriter. This proposal is hedged subject to satisfactory financial evaluation. Please refer to certificate of coverage for full plan description.

Dependent life insurance will not take effect if a dependent, other than a newborn, is confined to the hospital or other health care facility or is unable to perform the normal activities of someone of like age and sex.

Accelerated Life Benefit is not paid to an employee under the following circumstances: one who is required by law to use the benefit to pay creditors; is required by court order to pay the benefit to another person; is required by a government agency to use the payment to receive a government benefit; or loses his or her group coverage before an accelerated benefit is paid.

Voluntary Life Only: We pay no benefits if the insured’s death is due to suicide within two years from the insured’s original effective date. This two year limitation also applies to any increase in benefit. This exclusion may vary according to state law. Late entrants and benefit increases require underwriting approval.

GP-1-R-LB-90, GP-1-R-EOPT-96 Guarantee Issue/Conditional Issue amounts may vary based on age and case size. See your Plan Administrator for details. Late entrants and benefit increases require underwriting approval.

For AD&D: We pay no benefits for any loss caused: by willful self-injury; sickness, disease or medical treatment; by participating in a civil disorder or committing a felony; Traveling on any type of aircraft while having duties on that aircraft; by declared or undeclared act of war or armed aggression; while a member of any armed force (May vary by state); while driving a motor vehicle without a current, valid driver’s license; by legal intoxication; or by voluntarily using a non-prescription controlled substance. Contract #GP-1-R-ADCL1-00 et al. We won't pay more than 100% of the Insurance amount for all losses due to the same accident, except as stated. The loss must occur within a specified period of time of the accident. Please see contract for specific definition; definition of loss may vary depending on the benefit payable.

Enhanced AD&D: A loss may be defined as death, quadriplegia, loss of speech and hearing, loss of cognitive function, comatose state in excess of one month, hemiplegia or paraplegia. The loss must occur within a specified period of time of the accident. Please see contract for specific definition; definition of loss may vary depending on the benefit payable.

Guardian Group Life Insurance underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage.

Policy Form # GP-1-LIFE-15

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America CARROLL DANIEL CONSTRUCTION COMPANY

Kit created 10/29/2021 Group number: 00026229

WillPrep Protect the ones you love with a range of dedicated services designed to help you provide for your family.

WillPrep Services includes a range of di°erent resources that make it easier for you to prepare a will.

These range from a library of online planning documents to accessing experienced professionals that can help you with the more complicated details.

How it can help

Access simple documents including wills and power of attorney letters

How to access To access WillPrep Services, you’ll need a few personal details.

Visit ibhwìïïóõèó.com User ID WillPrep Password GLIC09

Speak with consultants to discuss estate planning

Prepare your will with the assistance or support of an attorney

For more information or support, you can reach out by phoning 1 8'' 433 6789.

This service is only available if you purchase qualifying lines of coverage.

See your plan administrator for more details.

WillPrep Services are provided by Integrated Behavioral Health, Inc., and its contractors.

The Guardian Life Insurance Company of America (Guardian) does not provide any part of Will Prep Services. Guardian is not responsible or liable for care or advice given by any provider or resource under the program. This information is for illustrative purposes only.

It is not a contract. Only the Administration Agreement can provide the actual terms, services, limitations and exclusions. Guardian and IBH reserve the right to discontinue the WillPrep Services at any time without notice. Legal services will not be provided in connection with or preparation for any action against Guardian, IBH, or your employer.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America © Copyright 2020 The Guardian Life Insurance Company of America 2020-104979 (07/22)

DISCOUNT PROGRAM

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COMPANY STORE

CDCC COMPANY STORE

Company Store incorporates a participation-based points system WAYS TO EARN POINTS: CDCC WORK ANNIVERSARY = 20 POINTS Per year of work, max limit is 200 points

CDCC BOOTCAMP OR YOGA CLASS = 5 POINTS EACH Limit of 20 points per month

CDCC ANNUAL COMPANY MEETING = 50 POINTS SELECT INTERNAL EVENTS = 10 POINTS IT'S YOUR BIRTHDAY! = 20 POINTS CDCC LUNCH & LEARN = 2 POINTS

Offered by American Institute of Architects (AIA) Offered by Strong Gaddy Lee Wealth Management Group

CDCC RECRUITMENT/ CAREER FAIR REPRESENTATIVE = 5 POINTS ANY FULL DAY TRAINING CLASS ATTENDED = 10 POINTS ANY HALF DAY TRAINING CLASS ATTENDED = 5 POINTS Minimum of 3 hours

CARROLL DANIEL MANDATORY TRAININGS = 5 POINTS Points given per class

CONTACT INFORMATION

CONTACT INFORMATION Carroll Daniel Administrative and Open Enrollment Questions

Cassie Sherman, Human Resources Director 770.536.3241 csherman@carrolldaniel.com

General Plan Questions or Assistance Health, Dental, Vision, Life, & Disability Turner, Wood and Smith Benefits Team: egan Hulsey 678.928.6725 / megan.hulsey@twsinsurance.com °M iffany Sims 678.928.6712 / tiffany.sims@twsinsurance.com °T

401K, Education Savings Plan Strong Gaddy Lee Wealth Management Group: ° Amy Mullvain 770-534-0727 / amymullvain@stronggaddylee.com ° Shane Gaddy 770-534-0727 / shane.gaddy@stronggaddylee.com

The information contained in this summary should in no way be construed as a promise or guarantee of employment or benefits. The company reserves the right to modify, amend, suspend, or terminate any plan at any time for any reason. If there is a conflict between the information in this brochure and the actual plan document or policies, the documents or policies will always govern.

Complete details about the benefits can be obtained by reviewing current plan descriptions, contracts, certificates, policies and plan documents available from Human Resources.