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SUPPLEMENTAL EMPLOYEE BENEFITS GUIDE 2027 PLAN YEAR:

JANUARY 1, 2027 - DECEMBER 31, 2027

CLOVER SCHOOL DISTRICT

WWW.PIERCEGROUPBENEFITS.COM

EMPLOYEE SERVICES: 833-556-0006

TABLE OF CONTENTS

SUPPLEMENTAL EMPLOYEE BENEFITS GUIDE Welcome to Clover School District’s comprehensive supplemental benefits program. This guide highlights the supplemental benefits offered to all eligible employees for the plan year listed below. Benefits described in this guide are voluntary, employee-paid supplemental benefits unless otherwise noted.

ENROLLMENT DATES: November 9, 2026 - December 11, 2026

Important Contact Information............................... 3 Eligibility Requirements......................................... 4 Overview Of Supplemental Benefits........................ 5 Important Notices................................................. 6 Supplemental Qualifying Life Events....................... 7 Supplemental Enrollment Information.................... 9 Supplemental Self-Enrollment Instructions............. 10 Long Term Care Benefits........................................ 12 Cancer Benefits..................................................... 16 Critical Illness Benefits.......................................... 23 Short-Term Disability Benefits................................ 36 Accident Benefits.................................................. 43 Medical Bridge Benefits......................................... 55 Whole Life Insurance............................................. 64 Pet Insurance........................................................ 68 Colonial Life Policyholder Service Guide................. 79 Authorization For Colonial Life Insurance Form....... 80 Privacy Notices..................................................... 81 Continuation Of Coverage...................................... 82

PLAN YEAR & EFFECTIVE DATES: January 1, 2027 - December 31, 2027

Click on the video below to help you prepare for enrollment and learn about the supplemental benefits available to you!

IMPORTANT NOTE & DISCLAIMER This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail.

CLOVER SCHOOL DISTRICT 2027 Supplemental Benefits Plan

January 1, 2027 - December 31, 2027

All information in this guide, including premiums quoted, is subject to change. All policy descriptions are for informational purposes only. Your actual policies may be different from those in this guide. Rev: 10/20/2026

IMPORTANT CONTACT INFORMATION CARRIER

PHONE/FAX

WEBSITE

Long Term Care Benefits

CHUBB

P: 833-542-2013 F: 312-351-7120

CWBclaimsteam@chubb.com

workplacesolutions.chubb.com

Pet Insurance

Nationwide

P: 877-738-7874

partnersolutions.nationwide.com/ pet/cloverk12

BenSelect Online Enrollment

BenSelect

P: 888-662-7500

harmony.benselect.com/clover

Custom Benefits Website

Pierce Group Benefits

P: 1-833-556-0006 F: 984-225-2605

service@ piercegroupbenefits.com

www.PierceGroupBenefits.com/ CloverSchoolDistrict

www.coloniallife.com

Customer Service & Wellness Screenings

Supplemental Benefits

Colonial Life

1-800-325-4368 F:1-800-880-9325 TDD For Hearing Impaired Customers

1-800-798-4040

Under certain qualifying events, employees and dependents may have the opportunity to continue their supplemental coverage. Please see the supplemental qualifying life events page of this guide for more info.

ELIGIBILITY REQUIREMENTS CURRENT EMPLOYEE? ANNUAL ENROLLMENT DATES:

November 9, 2026 - December 11, 2026

PLAN YEAR & EFFECTIVE DATES: January 1, 2027 - December 31, 2027

ELIGIBILITY • Employees working 20 hours or more per week are eligible for supplemental benefits.

NEW HIRE? Congratulations on your new employment! Your employment means more than just a paycheck. Your employer also provides eligible employees with a valuable supplemental benefits package. Above you will find eligibility requirements and below you will find information about how to enroll in these supplemental benefits as a new employee. All Supplemental Benefits - Please call PGB’s Employee Services within 30 days of your date of hire and a PGB Benefits Representative will help you enroll in benefits. The Employee Services number is located in the contact section of this guide. Be sure to also review your group’s custom benefits website, that allows for easy, year-round access to benefit information, live chat support, benefit explainer videos, plan certificates and documents, and carrier contacts and forms.

www.PierceGroupBenefits.com/CloverSchoolDistrict

OVERVIEW OF SUPPLEMENTAL BENEFITS PRE – TAX SUPPLEMENTAL BENEFITS Cancer Benefits Colonial Life

POST – TAX SUPPLEMENTAL BENEFITS Short-Term Disability Benefits Colonial Life

Critical Illness Benefits Colonial Life Accident Benefits Colonial Life Whole Life Insurance Colonial Life

Medical Bridge Benefits Colonial Life

Long Term Care Benefits CHUBB

PEBA INFORMATION

SUPPLEMENTAL ADDITIONAL BENEFITS

PEBA administers the state’s employee insurance programs for South Carolina’s public workforce. Learn more about the benefits available to employees by visiting the link below or scanning the QR code.

Pet Insurance Nationwide

https://peba.sc.gov/peba-perks

Please note your insurance products will remain in effect unless you speak with a representative to change them. 5

IMPORTANT NOTICES When do my supplemental benefits start? The plan year for Colonial Life Insurance Products and CHUBB Long Term Care runs from January 1, 2027 through December 31, 2027. When do my supplemental deductions start? Deductions for Colonial Life Insurance Products and CHUBB Long Term Care start January 2027 for all enrolled employees. The Nationwide Pet Insurance plan is available by Direct Billing only. No deductions will be taken via payroll deduction. Why have my Cancer, Accident, or Medical Bridge benefits not started yet? The Colonial Cancer plan and the Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until January 31, 2027. I want to sign my family up for supplemental benefits as well, what information will I need? If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Beneﬁts Representative. What does Pre-Tax vs. Post-Tax Change? Pre-Tax benefits take funds directly from your paycheck to cover benefits before going through State and Federal taxing process. Post-Tax collects funds for benefits after taxes have been taken out. Please be aware there are certain coverages that may be subject to federal and state tax when premium is paid by pretax deduction or employee contribution. Can I change my supplemental benefit elections outside of the enrollment period? Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change, otherwise known as a qualifying life event (QLE), as defined by the Internal Revenue Code. Examples of a QLE can be found in the chart on the next page. Once a QLE has occurred, an employee has 30 days to notify PGB’s Employee Services at 1-833-556-0006 to request a change in elections. I have a pre-existing condition. Will I still be covered? Some policies may include a pre-existing condition clause. Please read your policy carefully for full details.

Employee Services: 833-556-0006

www.PierceGroupBenefits.com/ CloverSchoolDistrict 6

Effective Dates: January 1, 2027 - December 31, 2027

SUPPLEMENTAL QUALIFYING LIFE EVENTS The benefit elections you make during Annual Enrollment or as a New Hire will remain in effect for the entire plan year. You will not be able to change or revoke your elections once they have been made unless a Supplemental Qualifying Life Event (status change) occurs. The summary of events that allow an employee to make benefit changes and instructions for processing those life event changes can be reviewed in the chart below.

QUALIFYING LIFE EVENT

ACTION REQUIRED

RESULT IF ACTION IS NOT TAKEN

New Hire

Make elections within 30 days of hire date. Documentation is required.

You and your dependents are not eligible until the next Annual Enrollment period.

Marriage

Add your new spouse to your elections within 30 days of the marriage date. A copy of the marriage certificate must be presented.

Your spouse is not eligible until the next Annual Enrollment period.

Divorce

Remove the former spouse within 30 days of the divorce. Proof of the divorce will be required. A copy of the divorce decree must be presented.

Benefits are not available for the divorced spouse and will be recouped if paid erroneously.

Enroll the new dependent in your elections within 30 days of the birth or adoption date, even if you already have family coverage. A copy of the birth certificate, mother’s copy of birth certificate, or hospital discharge papers must be presented. Once you receive the child’s Social Security Number, don’t forget to update your child’s insurance information record.

The new dependent will not be covered until the next Annual Enrollment period.

Remove or update dependent elections within 30 days of the dependent aging out. For more information and assistance, please call PGB Employee Services at 833-556-0006.

Coverage for the dependent will end at the time of the dependent aging out and the policyholder must remove/update the dependent elections in order for the change to be reflected in the employee’s deductions.

Death of a Spouse or Dependent

Remove the dependent from your elections within 30 days from the date of death. Death certificate must be presented.

You could pay a higher premium than required and you may be overpaying for coverage required.

Change in Spouse’s Employment or Coverage

Add or drop benefits from your elections within 30 days of the event date. A letter from the employer or insurance company must be presented.

You will not be able to make changes until the next Annual Enrollment period.

Birth or Adoption of a Child

Dependent Aging Out

The examples included in this chart are not all-inclusive. Please speak to a Benefits Representative to learn more. 7

SUPPLEMENTAL QUALIFYING LIFE EVENTS QUALIFYING LIFE EVENT

ACTION REQUIRED

RESULT IF ACTION IS NOT TAKEN

Part-Time to Full-Time or Vice Versa

Change your elections within 30 days from the employment status change to receive COBRA information or to enroll in benefits as a full-time employee. Documentation from the employer must be provided.

Benefits may not be available to you or your dependents if you wait to enroll in COBRA. Full-time employees will have to wait until the next Annual Enrollment period.

Transferring Employers

If you are transferring from one PGB client to another, some benefits may be eligible for transfer. Please call PGB Employee Services at 833-556-0006 for more information and assistance.

You may lose the opportunity to transfer benefits.

Loss of Government or Education Sponsored Health Coverage

If you, your spouse, or a dependent loses coverage under any group health coverage sponsored by a governmental or educational institution, you may be eligible to add additional coverage for eligible benefits.

You and your dependents are not eligible until the next Annual Enrollment period.

Entitlement to Medicare or Medicaid

If you, your spouse, or dependent becomes entitled to or loses coverage under Medicare or Medicaid, you may be able to change coverage under the accident or health plan.

You and your dependents are not eligible until the next Annual Enrollment period.

Non-FMLA Leave

An employee taking a leave of absence, other than under the Family & Medical Leave Act, may not be eligible to re-enter the Flexible Benefits program until next plan year. Please contact your Benefit Administrator for more information.

You and your dependents are not eligible until the next Annual Enrollment period.

Retiring

Your individual supplemental/voluntary policies through Colonial Life are portable! To move them from payroll deduction to direct billing, please complete and submit the Payment Method Change Form to Colonial Life within 30 days of retiring. You are also eligible for post-employment Dental, Vision, and Telemedicine benefits through PGB. Please visit: www.piercegroupbenefits.com/ individualcoverage or call our Employee Services at 833-556-0006 for more information and assistance.

If you do not transfer your policies from payroll deduction to direct billing, Colonial Life will terminate your policies resulting in a loss of coverage.

The examples included in this chart are not all-inclusive. Please speak to a Benefits Representative to learn more. 8

SUPPLEMENTAL ENROLLMENT INFORMATION IN-PERSON & SELF-ENROLL During your annual enrollment period, a PGB Benefits Representative will be available by appointment to meet with you one-on-one to help you evaluate your benefits based on your individual and family needs, answer any questions you may have, and assist you in the enrollment process. If you prefer, you may also self-enroll online following the instructions on the next page of this guide.

ANNUAL ENROLLMENT PERIOD:

NOVEMBER 9, 2026 - DECEMBER 11, 2026 SUPPLEMENTAL BENEFIT ELECTION OPTIONS YOU CAN MAKE THE FOLLOWING SUPPLEMENTAL BENEFIT ELECTIONS DURING THE ANNUAL ENROLLMENT PERIOD: •

Enroll in, change, or cancel Long Term Care Benefits.

•

Enroll in, change, or cancel Colonial coverage.

THE FOLLOWING BENEFITS AND RESOURCES ARE ALSO AVAILABLE: •

Enroll in, change, or cancel Pet Insurance (DIRECT BILLING ONLY*).**

*The Pet Insurance plan is available by Direct Billing only. No deductions will be taken via payroll deduction. **Please see the coordinating pages of your Benefits Guide for enrollment instructions for Pet Insurance.

ACCESS YOUR BENEFIT OPTIONS WHENEVER, WHEREVER www.PierceGroupBenefits.com/<<client_website>> 9

SUPPLEMENTAL SELF-ENROLLMENT INSTRUCTIONS

HELPFUL TIPS : • Please note that these self-enrollment instructions do not apply to new employees outside of the Annual Enrollment period. Please refer to the New Hire information on the Eligibility Requirements page of this guide for instructions on how to enroll in benefits as a new employee outside of Annual Enrollment, or contact PGB Employee Services at 833-556-0006 between 8:30am and 5:00pm • If you are an existing employee and unable to log into the online system, please contact PGB Employee Services at 833-5560006, or speak with the Benefits Representative assigned to your location.

Below is a series of instructions outlining the enrollment process. Please have the following information available before you begin:

• • • •

Username, pin, and enrollment website URL from this page Social security numbers of the spouse or any dependents you wish to enroll Dates of birth for the spouse and any dependents you wish to enroll Beneficiary names and social security numbers

1. LOGGING IN Enter your Username: Social Security Number with or without dashes (ex. 123-45-6789 or 123456789) Enter your Pin: Last 4 numbers of your Social Security Number followed by last 2 numbers of your Date of Birth year (ex. 678970)

To login, visit: harmony.benselect.com/clover

1. 2. NEW PIN The screen prompts you to create a NEW PIN.

3. SECURITY QUESTIONS Choose a security question and enter answer.

4. CONFIRM Confirm (or enter) an email address.

5. SAVE NEW PIN Click on ‘Save New PIN’ to continue to the enrollment welcome screen.

6. CLICK NEXT

7. PERSONAL INFORMATION

From the welcome screen click ‘Next’.

The screen shows ‘Personal Information’. Verify that the information is correct and enter the additional required information (marital status, work phone, e-mail address). Click ‘Next’.

Enrollment instructions continued on next page

SUPPLEMENTAL SELF-ENROLLMENT INSTRUCTIONS

8. ADDING FAMILY MEMBER

9. BENEFIT SUMMARY

The screen allows you to add family members. It is only necessary to enter family member information if adding or including family members in your coverage. Click ‘Next’.

The screen shows ‘Benefit Summary’. Review your current benefits and make changes, and selections for the upcoming plan year.

11. REVIEW

10. SIGN & SUBMIT Click ‘Sign & Submit’ once you have decided which benefits to enroll in.

Review your coverage. If any items are ‘Pending’, you will need to decide whether to enroll or decline this benefit.

13. SIGN FORM

12. NEXT Click ‘Next’ to review and electronically sign the authorization for your benefit elections.

Review the confirmation, then if you are satisfied with your elections, enter your PIN and click ‘Sign Form’.

14. DOWNLOAD & PRINT Click ‘Download & Print’ to print a copy of your elections, or download and save the document. Please do not forget this important step! Click ‘Log Out’. 11

Click on the video below to learn more about Long Term Care Benefits!

LONG TERM CARE BENEFITS

Workplace Benefits

Discover the Unmatched Advantages of LifeTime Benefit Term With Long Term Care Learn more about our 7702(b) Qualified Long Term Care offering, with favorable interest rates and benefits to ensure your clients are better protected.

Life Insurance and So Much More 7702(b) Qualification

Interest Rates at 3%

LBT provides a tax-qualified LTC Benefit that complies with this provision of the tax code and may satisfy future state mandates as Qualified Long Term Care.

Based on a 3% interest rate and mortality assumptions, the full death benefit is designed to last through age 99 for non-tobacco users and age 95 for tobacco users.

Paid-up Benefits After 10 years, paid-up benefits begin to accrue. At any point thereafter, if you stop paying the premium, a reduced paid-up benefit is issued and can never lapse.

Our Life Insurance premiums never change and are only due until age 100. And as long as premiums are paid, coverage won’t lapse, lasting until employees reach their 121st birthday.

Long Term Care (LTC) Benefits

Guaranteed Portability

Pays benefits for Long Term Care services including home health care, assisted living, adult day care and nursing home care.

Employees can take these benefits with them, even if they change jobs.

Example

Life Situation

Death Benefit

As Life Insurance

The employee leads a full life and does not need Long Term Care (LTC).

$100,000

As LTC Insurance

The employee leads a full life and needs assisted living or nursing home care.

Or Split the Death Benefit for LTC & Life Insurance

Life Insurance Premiums Are Guaranteed Never to Increase

Long Term Care

LTC Extension

$100,000

The employee leads a full life but also needs some LTC funds (example: 4% of $100,000 for 12 months).

$52,000

Total Benefits

$100,000

$48,000

Additional Coverage for Long Term Care and Death Benefits Extra Long Term Care for up to 50 Additional Months

The employee leads a full life and needs extended benefits for assisted living or nursing home care.

Restore Your Death Benefit

If the employee depletes their entire Death Benefit due to LTC, we restore their Death Benefit to 50% of their original death benefit

$200,000

$50,000

$200,000

$50,000 Option 1, 2 or 3 = Total Coverage of $350,000

Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. This insurance product is underwritten by Combined Insurance Company of America, Chicago, IL, a Chubb company. www.chubbworkplacebenefits.com

LifeTime Benefit Term

Choose Chubb Chubb’s Workplace Benefits product series is designed to empower you with innovative and flexible benefits solutions to better meet your customer’s needs. Innovation that Pays More—Guaranteed For about the same premium, LifeTime Benefit Term (LBT) provides higher death benefits than permanent life insurance and lasts to age 121. Plus offers additional benefits. Valuable Family Protection Plus Benefits for Long Term Care LBT’s innovative design provides life time guarantees at a fraction of the cost of permanent life insurance. And flexibility allows you to customize benefits for Long Term Care (LTC) and double or triple the policy value. Guaranteed Benefits—During the Working Years Death Benefit is guaranteed 100% when it is needed most—during the working years when a family is relying on income. While the policy is in force, the death benefit is 100% guaranteed. The full death benefit is designed to last through age 99 for nontobacco users and age 95 for tobacco users based on the current interest rate and mortality assumptions.

Let LifeTime Benefit Term be Your Champion As Life Insurance LifeTime Benefit Term protects families with money that can be used any way they need. Often it is used to pay for mortgage or rent, education for children and grandchildren, family debt and final expenses. For Long Term Care Long Term Care is expensive, and LifeTime Benefit Term can help. It pays death benefits in advance for home health care, assisted living, adult day care and nursing home and waives life insurance premiums. And with Extension of Long Term Care, benefits can last for more than 6 years, in essence, tripling the policy value Additional Benefits Long Term Care Acceleration* When employees need LTC, death benefits can be paid early for home health care, assisted living, adult day care and nursing home care. Early payments equal 4% of the death benefit per month for up to 25 months. Premiums are waived while this benefit is being paid. Long Term Care Extension* Once the full death benefit has been paid in advance for LTC, payments can be extended. Choose between 25 and 50 months of LTC Benefit Extension to double or triple the value. Restoration of Death Benefit Accelerating the life coverage for LTC benefits can reduce the death benefit to $0. This rider restores the life coverage to either 25% or 50% of the death benefit on which the LTC benefits were based, therefore assuring a death benefit available up to the insured’s age 121.

Optional Benefits Guaranteed Premiums Life insurance premiums will never increase and are guaranteed through age 100.

Waiver of Premium Benefit & Payor Waiver of Premium Benefit Waives premium if employee becomes totally disabled.

Paid-up Benefits After 10 years, paid-up benefits begin to accrue. At any point thereafter, if premiums stop, a reduced paid up benefit is guaranteed. Flexibility is perfect for retirement. Terminal Illness Benefit After coverage has been in force for two years, employees can receive 50% of their death benefit immediately, up to $100,000, if they are diagnosed as terminally ill.

Features Affordable Financial Security Lifelong protection with premiums beginning as low as $3 per week. Dependable Guarantees Guaranteed life insurance premium and death benefits last a lifetime.

Highly Competitive Rates For the same premium, LifeTime Benefit Term provides higher benefits than permanent life Insurance and lasts to age 121.

This document is only a brief description of Group Policy Form No. P34544. See the policy for complete details about features, benefits, exclusions and limitations that may vary by state. The availability of this product, riders or optional benefits are subject to underwriting approval.

Fully Portable and Guaranteed Renewable for Life Employee coverage cannot be cancelled as long as premiums are paid as due.

* LTC and Extension of Benefits premiums may be adjusted based upon the experience of the group or other group characteristics that may affect results. Premiums will not be increased solely because of an independent claim.

CWB-LBT-LTC-BR-0523

Click on the video below to learn more about Cancer Benefits!

CANCER BENEFITS

Cancer Insurance Cancer Assist helps protect employees and their loved ones through diagnosis, treatment and recovery. This individual voluntary policy provides benefits that can be used for both medical and out-of-pocket, non-medical expenses traditional health insurance may not cover. Cancer Assist can enhance any competitive benefits package without adding costs to a company’s bottom line.

Competitive advantages

Composite rates are available. There are four distinct plan levels, each featuring the same benefits with premiums and benefit amounts designed to meet a variety of budgets and coverage needs (benefits overview on reverse). Indemnity-based benefits provide exactly what’s listed for the selected plan level. The plan’s family care benefit provides a daily benefit when a covered dependent child receives inpatient or outpatient cancer treatment. Employer-optional cancer wellness/health screening benefits are available: – Part One covers 24 tests. If selected, the employer chooses one of four benefit amounts for employees: $25, $50, $75 or $100. This benefit is payable once per covered person per calendar year. – Part Two covers an invasive diagnostic test or surgical procedure if an abnormal result from a Part One test requires additional testing. This benefit is payable once per calendar year per covered person and matches the Part One benefit.

Flexible family coverage

Individual, individual/spouse, one-parent and two-parent family policies Family coverage that includes eligible dependent children (to age 26) for the same rate, regardless of the number of children covered

Attractive features

Optional riders

(available at an additional cost/payable once per covered person)

Available for businesses with 3+ eligible employees Broad range of policy issue ages, 17-75 Full schedule of 30+ benefits and three optional riders (benefit amounts may vary based on plan level selected) with each plan level Benefits that don’t coordinate with any other coverage from any other insurer HSA-compliant Guaranteed renewable Portable Waiver of premium if named insured is disabled due to cancer for longer than 90 consecutive days and the date of diagnosis is after the waiting period and while the policy is in force Form 1099s may not be issued in most states because all benefits require that a charge is incurred. Discuss details with your benefits representative, or consult your tax adviser if you have questions. Initial diagnosis of cancer rider provides a one-time benefit for the initial diagnosis of cancer. A benefit amount in $1,000 increments from $1,000-$10,000 may be chosen. The benefit for covered dependent children is two and a half times ($2,500-25,000) the chosen benefit amount. Initial diagnosis of cancer progressive payment rider provides a $50 lump-sum payment for each month the rider has been in force, after the waiting period, once cancer is first diagnosed. The issue ages for this rider are 17-64. Specified disease hospital confinement rider provides $300 per day for confinement to a hospital for treatment of one of 34 specified diseases covered under the rider. 17

CANCER ASSIST

Cancer Assist benefits overview This overview shows benefits available for all four plan levels and the range of benefit amounts payable for most common cancer treatments. Each benefit is payable for each covered person under the policy. Actual benefits vary based on the plan level selected.

Talk with your benefits representative to learn more. THIS POLICY PROVIDES LIMITED BENEFITS. Each benefit requires that charges are incurred for treatment. All benefits and riders are subject to a 30-day waiting period. Waiting period means the first 30 days following the policy’s coverage effective date during which no benefits are payable. States without a waiting period will have a pre-existing condition limitation. Product has exclusions and limitations that may affect benefits payable. Benefits vary by state and may not be available in all states. Applicable to policy form CanAssist (and state abbreviations where applicable, for example: CanAssist-TX). See your Colonial Life benefits representative for complete details.

ColonialLife.com

Radiation/chemotherapy Injected chemotherapy by medical personnel: $250-$1,000 once per calendar week Radiation delivered by medical personnel: $250-$1,000 once per calendar week Self-injected chemotherapy: $150-$400 once per calendar month Topical chemotherapy: $150-$400 once per calendar month Chemotherapy by pump: $150-$400 once per calendar month Oral hormonal chemotherapy (1-24 months): $150-$400 once per calendar month Oral hormonal chemotherapy (25+ months): $75-$200 once per calendar month Oral non-hormonal chemotherapy: $150-$400 once per calendar month Anti-nausea medication $25-$60 per day, up to $100-$240 per calendar month Medical imaging studies $75-$225 per study, up to $150-$450 per calendar year Outpatient surgical center $100-$400 per day, up to $300-$1,200 per calendar year Skin cancer initial diagnosis $300-$600 payable once per lifetime Surgical procedures Inpatient and outpatient surgeries: $40-$70 per surgical unit, up to $2,500-$6,000 per procedure Reconstructive surgery $40-$60 per surgical unit, up to $2,500-$3,000 per procedure including 25% for general anesthesia Anesthesia General: 25% of surgical procedures benefit Local: $25-$50 per procedure Hospital confinement 30 days or less: $100-$350 per day 31 days or more: $200-$700 per day Family care Inpatient and outpatient treatment for a covered dependent child: $30-$60 per day, up to $1,500-$3,000 per calendar year Second medical opinion on surgery or treatment $150-$300 once per lifetime Home health care services Examples include physical therapy, speech therapy, occupational therapy, prosthesis and orthopedic appliances, durable medical equipment: $50-$150 per day, up to the greater of 30 days per calendar year or twice the number of days hospitalized per calendar year Hospice care Initial: $1,000 once per lifetime Daily: $50 per day ($15,000 maximum for initial and daily hospice care per lifetime) Transportation and lodging Transportation for treatment more than 50 miles from covered person’s home: $0.50 per mile, up to $1,000-$1,500 per round trip Companion transportation (for any companion, not just a family member) for commercial travel when treatment is more than 50 miles from covered person’s home: $0.50 per mile, up to $1,000-$1,500 per round trip Lodging for the covered person or any one adult companion or family member when treatment is more than 50 miles from the covered person’s home: $50-$80 per day, up to 70 days per calendar year Benefits also included in each plan Air ambulance, ambulance, blood/plasma/platelets/immunoglobulins, bone marrow or peripheral stem cell donation, bone marrow donor screening, bone marrow or peripheral stem cell transplant, cancer vaccine, egg(s) extraction or harvesting/sperm collection and storage (cryopreservation), experimental treatment, hair/external breast/voice box prosthesis, private full-time nursing services, prosthetic device/artificial limb, skilled nursing facility, supportive or protective care drugs and colony stimulating factors Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2019 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

6-19 | 101478-2

Cancer Insurance Wellness Benefits

To encourage early detection, our cancer insurance offers benefits for wellness and health screening tests.

Part one: Cancer wellness/health screening Provided when one of the tests listed below is performed after the waiting period and while the policy is in force. Payable once per calendar year, per covered person.

Cancer wellness tests

Health screening tests

Q Bone marrow testing

Q Blood test for triglycerides

Q Breast ultrasound

Q Carotid Doppler

Q CA 15-3 (blood test for breast cancer)

Q Echocardiogram (ECHO)

Q CA 125 (blood test for ovarian cancer)

Q Electrocardiogram (EKG, ECG)

Q CEA (blood test for colon cancer)

Q Fasting blood glucose test

Q Chest X-ray

Q Serum cholesterol test for HDL

and LDL levels

Q Colonoscopy Q Flexible sigmoidoscopy

Q Stress test on a bicycle or treadmill

Q Hemoccult stool analysis Q Mammography Q Pap smear Q PSA (blood test for prostate cancer) Q Serum protein electrophoresis

(blood test for myeloma)

Q Skin biopsy Q Thermography Q ThinPrep pap test Q Virtual colonoscopy

For more information, talk with your benefits counselor.

Part two: Cancer wellness — additional invasive diagnostic test or surgical procedure Provided when a doctor performs a diagnostic test or surgical procedure after the waiting period as the result of an abnormal result from one of the covered cancer wellness tests in part one. We will pay the benefit regardless of the test results. Payable once per calendar year, per covered person.

Waiting period means the first 30 days following the policy’s coverage effective date during which no benefits are payable. The policy has exclusions and limitations which may affect any benefits payable. For cost and complete details of the coverage, see your Colonial Life benefits counselor. Coverage may vary by state and may not be available in all states. Applicable to policy form CanAssist (and state abbreviations where applicable, for example: CanAssist-TX). Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2019 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

CANCER ASSIST WELLNESS | 6-19 | 101486-2

Individual Cancer Insurance Description of Benefits The policy and its riders may have additional exclusions and limitations. For cost and complete details of the coverage, see your Colonial Life benefits counselor. Coverage may vary by state and may not be available in all states. Coverage is dependent on answers to health questions. Applicable to policy forms CanAssist-IL and CanAssist-SC, and rider forms R-CanAssistIndx-IL, R-CanAssistProg-IL, R-CanAssistSpDis-IL, R-CanAssistIndxSC, R-CanAssistProg-SC and R-CanAssistSpDis-SC. Cancer Insurance Benefits Air Ambulance, per trip Maximum trips per confinement Ambulance, per trip Maximum trips per confinement Anesthesia, General Anesthesia, Local, per procedure Anti-Nausea Medication, per day Maximum per month Blood/Plasma/Platelets/Immunoglobulins, per day Maximum per year Bone Marrow or Peripheral Stem Cell Donation, per lifetime Bone Marrow or Peripheral Stem Cell Transplant, per transplant Maximum transplants per lifetime Companion Transportation, per mile Maximum per round trip Egg(s) Extraction or Harvesting or Sperm Collection, per lifetime Egg(s) or Sperm Storage, per lifetime Experimental Treatment, per day Maximum per lifetime Family Care, per day Maximum per year Hair/External Breast/Voice Box Prosthesis, per year Home Health Care Services, per day Maximum per year Hospice, Initial, per lifetime Hospice, Daily Maximum combined Initial and Daily per lifetime Hospital Confinement, 30 days or less, per day Hospital Confinement, 31 days or more, per day Lodging, per day Maximum days per year Medical Imaging Studies, per study Maximum per year Outpatient Surgical Center, per day Maximum per year Private Full-time Nursing Services, per day Prosthetic Device/Artificial Limb, per device or limb Maximum per lifetime

Level 1 Level 2 Level 3 Level 4 $2,000 $2,000 $2,000 $2,000 2 2 2 2 $250 $250 $250 $250 2 2 2 2 25% of Surgical Procedures Benefit $25 $30 $40 $50 $25 $40 $50 $60 $100 $160 $200 $240 $150 $150 $175 $250 $10,000 $10,000 $10,000 $10,000 $500 $500 $750 $1,000 $3,500 $4,000 $7,000 $10,000 2 2 2 2 $0.50 $0.50 $0.50 $0.50 $1,000 $1,000 $1,200 $1,500 $500 $700 $1,000 $1,500 $175 $200 $350 $500 $200 $250 $300 $300 $10,000 $12,500 $15,000 $15,000 $30 $40 $50 $60 $1,500 $2,000 $2,500 $3,000 $200 $200 $350 $500 $50 $75 $100 $150 30 days or twice the days confined $1,000 $1,000 $1,000 $1,000 $50 $50 $50 $50 $15,000 $15,000 $15,000 $15,000 $100 $150 $250 $350 $200 $300 $500 $700 $50 $50 $75 $80 70 70 70 70 $75 $125 $175 $225 $150 $250 $350 $450 $100 $200 $300 $400 $300 $600 $900 $1,200 $50 $75 $125 $150 $1,000 $1,500 $2,000 $3,000 $2,000 $3,000 $4,000 $6,000

Individual Cancer Insurance Description of Benefits The policy and its riders may have additional exclusions and limitations. For cost and complete details of the coverage, see your Colonial Life benefits counselor. Coverage may vary by state and may not be available in all states. Coverage is dependent on answers to health questions. Applicable to policy forms CanAssist-IL and CanAssist-SC, and rider forms R-CanAssistIndx-IL, R-CanAssistProg-IL, R-CanAssistSpDis-IL, R-CanAssistIndxSC, R-CanAssistProg-SC and R-CanAssistSpDis-SC. Cancer Insurance Benefits Radiation/Chemotherapy Injected chemotherapy by medical personnel, per week Radiation delivered by medical personnel, per week Self-Injected Chemotherapy, per month Pump Chemotherapy, per month Topical Chemotherapy, per month Oral Hormonal Chemotherapy (1-24 months), per month Oral Hormonal Chemotherapy (25+ months), per month Oral Non-Hormonal Chemotherapy, per month Reconstructive Surgery, per surgical unit Maximum per procedure, including 25% for general Second Medical Opinion, per lifetime Skilled Nursing Care Facility, per day, up to days confined Skin Cancer Initial Diagnosis, per lifetime Supportive/Protective Care Drugs/Colony Stimulating Factors, per Maximum per year Surgical Procedures, per surgical unit Maximum per procedure Transportation, per mile Maximum per round trip Waiver of Premium Policy-Wellness Benefits Bone Marrow Donor Screening, per lifetime Cancer Vaccine, per lifetime Part 1: Cancer Wellness/Health Screening, per year Part 2: Cancer Wellness/Health Screening, per year

Level 1

Level 2

Level 3

Level 4

$250 $250 $150 $150 $150 $150 $75 $150 $40 $2,500 $150 $75 $300 $50 $400 $40 $2,500 $0.50 $1,000 Yes

$500 $500 $200 $200 $200 $200 $100 $200 $40 $2,500 $200 $100 $300 $100 $800 $50 $3,000 $0.50 $1,000 Yes

$750 $750 $300 $300 $300 $300 $150 $300 $60 $3,000 $300 $100 $400 $150 $1,200 $60 $5,000 $0.50 $1,200 Yes

$1,000 $1,000 $400 $400 $400 $400 $200 $400 $60 $3,000 $300 $150 $600 $200 $1,600 $70 $6,000 $0.50 $1,500 Yes

$50 $50 $50 $50 $50 $50 $50 $50 One amount per account: $0, $25, $50, $75 or $100 Same as Part 1

Additional Riders may be available at an additional cost WAITING PERIOD The policy and its riders may have a waiting period. Waiting period means the first 30 days following the policy’s coverage effective date during which no benefits are payable. If your cancer has a date of diagnosis before the end of the waiting period, coverage for that cancer will apply only to losses commencing after the policy has been in force for two years, unless it is excluded by name or specific description in the policy. EXCLUSIONS We will not pay benefits for cancer or skin cancer: Ŷ ,I WKH GLDJQRVLV RU WUHDWPHQW RI FDQFHU LV UHFHLYHG RXWVLGH RI WKH WHUULWRULDO OLPLWV RI WKH 8QLWHG 6WDWHV DQG LWV possessions; or Ŷ )RU RWKHU FRQGLWLRQV RU GLVHDVHV H[FHSW ORVVHV DJJUDYDWHG E\ FDQFHU RU UHVXOWLQJ IURP FDQFHU RU WUHDWPHQW RI cancer. ©2015 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.

CANCER BENEFIT PREMIUMS LEVEL 1 - Composite Rates Employee

Employee/Spouse

One-Parent Family

Two-Parent Family

$18.25

$28.75

One-Parent Family

Two-Parent Family

$21.95

$34.15

One-Parent Family

Two-Parent Family

$27.10

$44.85

One-Parent Family

Two-Parent Family

$36.20

$60.00

One-Parent Family

Two-Parent Family

$1.75

$1.25

$1.75

$2.50

$1.60

$2.60

$7.80

$17.05

Level 1 with $100 Cancer Wellness/Health Screening 12-Pay Premium

$18.10

$28.60 LEVEL 2 - Composite Rates

Employee

Employee/Spouse

Level 2 with $100 Cancer Wellness/Health Screening 12-Pay Premium

$21.65

$33.85 LEVEL 3 - Composite Rates

Employee

Employee/Spouse

Level 3 with $100 Cancer Wellness/Health Screening 12-Pay Premium

$26.65

$44.40 LEVEL 4 - Composite Rates

Employee

Employee/Spouse

Level 4 with $100 Cancer Wellness/Health Screening 12-Pay Premium

$35.60

$59.40 OPTIONAL RIDERS

Employee

Employee/Spouse

Specified Disease Hospital Confinement Rider 12-Pay Premium

$1.25

Initial Diagnosis of Cancer Rider (per $1,000) 12-Pay Premium

$1.50

Initial Diagnosis of Cancer Progressive Payment Rider 12-Pay Premium

$7.80

$17.05

Sample rates only. Multiple choices and options available and rates may vary.

Click on the video below to learn more about Critical Illness Benefits!

CRITICAL ILLNESS BENEFITS

Critical Illness Insurance*

When life takes an unexpected turn due to a critical illness diagnosis, your focus should be on recovery — not finances. Our critical illness insurance helps provide financial support with a lump-sum benefit that you can use where you need it the most. Coverage amount: ____________________________

COVERED CRITICAL ILLNESS CONDITIONS

BENEFITS STORY

Sudden health crisis Chris was mowing the lawn when he suffered a stroke. His recovery will be challenging, and he’s worried since his family relies on his income.

How Chris’ coverage helped

PERCENTAGE OF APPLICABLE COVERAGE AMOUNT

Coma

100%

End stage renal (kidney) failure

100%

Heart attack (myocardial infarction)

100%

Major organ failure requiring transplant

100%

Occupational human immunodeficiency virus (HIV) or hepatitis

100%

Permanent paralysis

100%

Stroke2

100%

Sudden cardiac arrest

100%

Coronary artery disease (major)

50%

Coronary artery disease (minor)

10%

Transient ischemic attack (TIA)

25%

The lump-sum payment from his critical illness insurance helped pay for: Co-payments and hospital bills not covered by his medical insurance Physical therapy to get back to doing what he loves Household expenses while he was unable to work For illustrative purposes only.

ICI6000 - CRITICAL ILLNESS

Reoccurrence of the same covered critical illness condition Key benefits

If you receive a benefit for the diagnosis of a critical illness and are later diagnosed with the same condition,3 25% of the coverage amount may be payable for that reoccurrence. Dates of diagnoses must be separated by more than 180 days.

• Available coverage for spouse and eligible dependents at 50% of your coverage amount 4

• Receive coverage regardless of medical history, within specified limits

Diagnosis of a different covered critical illness condition

• Works alongside your health savings account (HSA)

If you receive a benefit for the diagnosis of a critical illness and are later diagnosed with a different condition, 100% of the coverage amount may be payable for the subsequent condition. Dates of diagnoses must be separated by more than 180 days.

• Benefits payable regardless of other insurance

For more information about critical illness coverage, talk with your benefits counselor.

Covered conditions for dependent children 1

COVERED CONDITIONS

Behavioral health therapy benefit When recovering from a critical illness diagnosis, mental wellbeing can be as important as physical wellbeing. A benefit may be payable each day you receive behavioral health therapy for a covered loss.

PERCENTAGE OF APPLICABLE COVERAGE AMOUNT

Cerebral palsy

100%

Cleft lip or palate

100%

Congenital heart disease

100%

Cystic fibrosis

100%

Down syndrome

100%

Sickle cell anemia

100%

Spina bifida

100%

Type 1 diabetes

100%

• $50 payable up to a maximum of 15 days per insured per covered loss (up to two times per insured per calendar year). • Therapy must begin within 90 days after the covered loss, and all sessions must be received within 365 days of the covered loss.

An insured has a pre-existing condition if, within the 12 months just prior to the insured’s coverage effective date, they have an injury or sickness, whether diagnosed or not, for which:

* Critical Illness Insurance (ICI6000) is the marketing name of the insurance policy filed as “Individual Critical Illness Insurance Policy.” 1 Please refer to the policy for complete definitions of covered conditions.

• medical treatment, consultation, care or services, or diagnostic measures were received or recommended to be received during that period; or

2 In NH, the covered condition is called Severe Stroke. 3 Covered conditions that do not qualify include permanent paralysis, occupational human immunodeficiency virus (HIV) or hepatitis.

• drugs or medications were taken, or prescribed to be taken during that period; or

4 In LA and VA, includes domestic partner.

• symptoms existed. Pre-existing condition requirements are not applicable to children who are born or adopted while you are covered under this policy, and who are continuously covered from the date of birth or adoption.

THIS POLICY PROVIDES LIMITED BENEFITS. This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for this insurance.

The pre-existing condition provision applies to any insured’s initial coverage and any increases in coverage. Coverage effective date refers to the date initial coverage becomes effective.

EXCLUSIONS AND LIMITATIONS

This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. Applicable to policy form ICI6000 (including state abbreviations where used, for example: ICI6000-AL). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company.

We will not pay benefits for any covered loss that is caused by, contributed to by, or occurs as a result of felonies; intoxicants and narcotics; or war or combat. PRE-EXISTING CONDITION LIMITATION We will not pay benefits for a claim when the covered condition occurs in the first 12 months following an insured’s coverage effective date if the covered condition is caused by, contributed to by, or occurs as a result of any of the following: • a pre-existing condition; or • complications arising from treatment or surgery for, or medications taken for, a pre-existing condition.

Critical Illness and Cancer Insurance*

When life takes an unexpected turn due to a critical illness or cancer diagnosis, your focus should be on recovery — not finances. Our critical illness and cancer insurance helps provide financial support with a lump-sum benefit that you can use where you need it the most.

BENEFITS STORY

Support for care

Coma

100%

Rebecca was born with Down syndrome. Her parents’ critical illness and cancer coverage provided a benefit that can help cover expenses related to Rebecca’s care and her changing needs.

End stage renal (kidney) failure

100%

How their coverage helped

Heart attack (myocardial infarction)

100%

Major organ failure requiring transplant

100%

Occupational human immunodeficiency virus (HIV) or hepatitis

100%

Permanent paralysis

100%

Stroke

100%

Coverage amount: ____________________________ COVERED CRITICAL ILLNESS CONDITIONS

PERCENTAGE OF APPLICABLE COVERAGE AMOUNT

Sudden cardiac arrest

100%

Coronary artery disease (major)

50%

Coronary artery disease (minor)

10%

Transient ischemic attack (TIA)

25%

COVERED CANCER CONDITIONS

PERCENTAGE OF APPLICABLE COVERAGE AMOUNT

Invasive cancer (including all breast cancer)

100%

Non-invasive cancer

25%

A hospital stay and treatment for corrective heart surgery Physical therapy to build muscle strength Daycare program

For illustrative purposes only.

Skin cancer initial diagnosis . . . . . . . . . . . . . . . . . . . . . . . . . . . . $500 per lifetime

ICI6000 - CRITICAL ILLNESS AND CANCER

Reoccurrence of the same covered critical illness condition If you receive a benefit for the diagnosis of a critical illness and are later diagnosed with the same condition,3 25% of the coverage amount may be payable for that reoccurrence. Dates of diagnoses must be separated by more than 180 days.

Key benefits • Available coverage for spouse5 and eligible dependents at 50% of your coverage amount • Receive coverage regardless of medical history, within specified limits • Works alongside your health savings account (HSA) • Benefits payable regardless of other insurance

Diagnosis of a different covered condition If you receive a benefit for the diagnosis of a covered condition and are later diagnosed with a different condition, 100% of the coverage amount may be payable for the subsequent condition. Dates of diagnoses must be separated by more than 180 days.4

Reoccurrence of invasive cancer (including all breast cancer) If you receive a benefit for the diagnosis of an invasive cancer, an additional benefit of 25% may be payable upon reoccurrence if: • the new date of diagnosis is more than 180 days after the first diagnosis, and • there is no evidence of disease or treatment for at least 180 days immediately prior to the subsequent diagnosis.

Reoccurrence of non-invasive cancer If you receive a benefit for the diagnosis of a non-invasive cancer, an additional benefit of 25% may be payable upon reoccurrence if: • the new date of diagnosis is more than 180 days after the first diagnosis, and • there is no evidence of disease or treatment for at least 180 days immediately prior to the subsequent diagnosis.

Covered conditions for dependent children COVERED CONDITIONS 1

PERCENTAGE OF APPLICABLE COVERAGE AMOUNT

Cerebral palsy

100%

Cleft lip or palate

100%

Congenital heart disease

100%

Cystic fibrosis

100%

Down syndrome

100%

Sickle cell anemia

100%

Spina bifida

100%

Type 1 diabetes

100%

For more information, talk with your benefits counselor.

Behavioral health therapy benefit When recovering from a critical illness or cancer diagnosis, mental wellbeing can be as important as physical wellbeing. A benefit may be payable each day you receive behavioral health therapy for a covered loss. • $50 payable up to a maximum of 15 days per insured per covered loss (up to two times per insured per calendar year). • Therapy must begin within 90 days after the covered loss, and all sessions must be received within 365 days of the covered loss.

PRE-EXISTING CONDITION LIMITATION

*Critical Illness Insurance (ICI6000) is the marketing name of the insurance policy filed as “Individual Critical Illness Insurance Policy.”

We will not pay benefits for a claim when the covered condition occurs in the first 12 months following an insured’s coverage effective date if the covered condition is caused by, contributed to by, or occurs as a result of any of the following:

1 Please refer to the policy for complete definitions of covered conditions. 2 In NH, the covered condition is called Severe Stroke.

• a pre-existing condition; or

3 Covered conditions that do not qualify include permanent paralysis, occupational human immunodeficiency virus (HIV) or hepatitis. In addition, in GA, end stage renal (kidney) failure does not qualify.

• complications arising from treatment or surgery for, or medications taken for, a pre-existing condition. An insured has a pre-existing condition if, within the 12 months just prior to the insured’s coverage effective date, they have an injury or sickness, whether diagnosed or not, for which:

4 There is no required separation period between the date of diagnosis of invasive cancer (including all breast cancer), non-invasive cancer or skin cancer and any of the critical illnesses.

• medical treatment, consultation, care or services, or diagnostic measures were received or recommended to be received during that period; or

5 In LA and VA, includes domestic partner. THIS POLICY PROVIDES LIMITED BENEFITS.

• drugs or medications were taken, or prescribed to be taken during that period; or

This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for this insurance.

EXCLUSIONS AND LIMITATIONS We will not pay benefits for any covered loss that is caused by, contributed to by, or occurs as a result of felonies; intoxicants and narcotics; or war or combat.

The pre-existing condition provision applies to any insured’s initial coverage and any increases in coverage. Coverage effective date refers to the date initial coverage becomes effective.

GEOGRAPHICAL LIMITATION FOR CANCER

We will not pay the invasive cancer (including all breast cancer) benefit, non-invasive cancer benefit, or skin cancer benefit if the cancer is diagnosed or treated outside of the territorial limits of the United States, its possessions, or the countries of Canada and Mexico.

Critical Illness Insurance* Infectious Diseases Rider

The sudden onset of an infectious or contagious disease can create unexpected circumstances for you or your family. The infectious diseases rider provides a lump sum that can be used toward health care expenses or meeting day-to-day needs. Payable for each covered infectious disease, once per covered person per lifetime, if hospital confined for seven or more consecutive days for treatment of the infectious disease. These benefits are for you as well as your covered family members. PERCENTAGE OF APPLICABLE COVERAGE AMOUNT

COVERED INFECTIOUS DISEASES** Antibiotic-resistant bacteria (including MRSA)

50%

Cerebrospinal meningitis (bacterial)

50%

Diphtheria

50%

Encephalitis

50%

Legionnaires’ disease

50%

Lyme disease

50%

Malaria

50%

Necrotizing fasciitis

50%

Osteomyelitis

50%

Poliomyelitis

50%

Rabies

50%

Sepsis

50%

Tetanus

50%

Tuberculosis

50%

Coronavirus disease 2019 (COVID-19)

50%

ICI6000 – INFECTIOUS DISEASES RIDER

Critical Illness Insurance* Progressive Diseases Rider

The debilitating effects of a progressive disease not only impact you physically, but financially as well. Changes in lifestyle may require home modification, additional medical treatment and other expenses. Payable for each covered progressive disease if the covered person is unable to perform two or more activities of daily living1 or totally disabled2 for 90 or more continuous days. This benefit is for you as well as your covered family members. COVERED PROGRESSIVE DISEASES3

PERCENTAGE OF APPLICABLE COVERAGE AMOUNT

Amyotrophic lateral sclerosis (ALS)

50%

Addison’s disease

50%

Dementia (including Alzheimer’s disease)

50%

Functional loss4

50%

Huntington’s disease

50%

Lupus

50%

Multiple sclerosis (MS)

50%

Muscular dystrophy

50%

Myasthenia gravis (MG)

50%

Parkinson’s disease

50%

Systemic sclerosis (scleroderma)

50%

ICI6000 - PROGRESSIVE DISEASES RIDER

Critical Illness Insurance* Supplemental Conditions Rider

A critical illness can have life-altering effects that not only impact you physically, but financially as well. This rider provides a lump-sum benefit if you are diagnosed with a covered supplemental condition, so you can focus on your treatment, care and recovery. We will pay a benefit for each condition only once per covered person per lifetime. This benefit is for you as well as your covered family members. PERCENTAGE OF APPLICABLE COVERAGE AMOUNT

COVERED SUPPLEMENTAL CONDITIONS** Aggressive Crohn’s disease or severe ulcerative colitis

25%

Benign brain tumor

100%

Loss of hearing

100%

Loss of sight

100%

Loss of speech

100%

Pulmonary embolism

25%

Severe endometriosis

25%

For more information, talk with your Colonial Life benefits counselor.

ICI6000 - SUPPLEMENTAL CONDITIONS RIDER

Critical Illness Insurance* Wellbeing Assistance Benefit – Max

This benefit can help reduce the risk of serious illness through early detection of disease or other risk factors, giving you more protection from the unexpected. The wellbeing assistance benefit is available to you with critical illness coverage, as well as all your covered family members. Wellbeing assistance benefit . . . . . . . . . . . . . . . . . . . .$ ____________________ Payable once per covered person per calendar year • Annual physical (e.g., annual exams, sports physicals and well child visits) • Blood test for triglycerides • Bone marrow testing • BRCA1 or BRCA2 testing • Breast ultrasound • CA 15-3 (blood test for breast cancer) • CA 125 (blood test for ovarian cancer) • Carotid Doppler • CEA (blood test for colon cancer) • Chest X-ray • Colonoscopy • Echocardiogram (ECHO) • Electrocardiogram (EKG, ECG)

• Fasting blood glucose test • Flexible sigmoidoscopy • Hemoccult stool analysis • Immunizations • Mammography • Pap smear • PSA (blood test for prostate cancer)

To learn more, talk with your Colonial Life benefits counselor.

• Serum cholesterol test for HDL and LDL levels • Serum protein electrophoresis (blood test for myeloma) • Skin cancer biopsy • Stress test on a bicycle or treadmill • Thermography • ThinPrep pap test • Virtual colonoscopy

ICI6000 – WELLBEING ASSISTANCE BENEFIT - MAX

CRITICAL ILLNESS BENEFIT PREMIUMS Plan 1- Critical Illness Benefits Rates illustrated per unit. Named Insured unit value = $1000

Issue Age

Deduction

Named Insured

Employee & Spouse

One-Parent Family

Two Parent Family

Non-Tobacco 17-24

12-Pay Premium

$0.23

$0.36

$0.24

$0.37

25-29

12-Pay Premium

$0.30

$0.47

$0.32

$0.49

30-34

12-Pay Premium

$0.40

$0.61

$0.42

$0.64

35-39

12-Pay Premium

$0.64

$0.97

$0.67

$1.01

40-44

12-Pay Premium

$0.87

$1.31

$0.91

$1.38

45-49

12-Pay Premium

$1.20

$1.81

$1.26

$1.90

50-54

12-Pay Premium

$1.55

$2.32

$1.63

$2.43

55-59

12-Pay Premium

$1.97

$3.04

$2.07

$3.19

60-64

12-Pay Premium

$2.53

$3.93

$2.66

$4.12

65-69

12-Pay Premium

$2.68

$4.39

$2.81

$4.61

70-74

12-Pay Premium

$2.90

$4.69

One-Parent Family $7.27

Two Parent Family $11.15

Welbeing Amount $100

$2.76 $4.46 Wellbeing Assistance Benefit Rates by wellbeing amount = 1 unit Named Employee & Insured Spouse $4.54 $6.97 12-Pay Premium

Sample rates only. Multiple choices and options available and rates may vary.

CRITICAL ILLNESS BENEFIT PREMIUMS Plan 2- Critical Illness & Cancer Benefits Rates illustrated per unit. Named Insured unit value = $1000

Issue Age

Deduction

Named Insured

Employee & Spouse

One-Parent Family

Two Parent Family

Non-Tobacco 17-24

12-Pay Premium

$0.28

$0.43

$0.30

$0.46

25-29

12-Pay Premium

$0.39

$0.61

$0.42

$0.65

30-34

12-Pay Premium

$0.64

$0.99

$0.67

$1.03

35-39

12-Pay Premium

$1.07

$1.64

$1.12

$1.73

40-44

12-Pay Premium

$1.46

$2.24

$1.54

$2.35

45-49

12-Pay Premium

$1.86

$2.83

$1.95

$2.97

50-54

12-Pay Premium

$2.27

$3.42

$2.38

$3.59

55-59

12-Pay Premium

$2.77

$4.26

$2.90

$4.47

60-64

12-Pay Premium

$3.85

$5.95

$4.08

$6.25

65-69

12-Pay Premium

$4.10

$6.58

$4.34

$6.90

70-74

12-Pay Premium

$4.42

$6.98

One-Parent Family $7.27

Two Parent Family $11.15

Welbeing Amount $100

$4.18 $6.65 Wellbeing Assistance Benefit Rates by wellbeing amount = 1 unit Named Employee & Insured Spouse $4.54 $6.97 12-Pay Premium

Sample rates only. Multiple choices and options available and rates may vary.

Click on the video below to learn more about Short-Term Disability Benefits!

SHORT-TERM DISABILITY BENEFITS

Educator Disability Advantage Short Term Disability Educator Disability Advantage insurance1 from Colonial Life is designed to ĨīďŒðÌÐ ťĊĊÆðă ĨīďĴÐÆĴðďĊ åďī ăă ÐÌķÆĴðďĊ œďīāÐīĮ œðĴì ĨăĊĮ ĴìĴ ÆĊ ìÐăĨ ĮķĨĨăÐĉÐĊĴ ĊÌȥďī ÆďĉĨăÐĉÐĊĴ ĴìÐ wďķĴì īďăðĊ qķÅăðÆ 'ĉĨăďřÐÐ ÐĊÐťĴ Authority (PEBA) plan. Educator Disability Advantage insurance provides ŦÐŘðÅăÐ ďĨĴðďĊĮ åďī ÌðĮÅðăðĴř ÆďŒÐīæÐ ĊÌ ÆÆðÌÐĊĴă ðĊþķīř ÅÐĊÐťĴĮ Ĵď ìÐăĨ protect your income and maintain lifestyle needs if you become disabled due to ÆďŒÐīÐÌ ÆÆðÌÐĊĴ ďī ĮðÆāĊÐĮĮȘ

ȧ9ďī ķĮÐ œðĴì řďķī ďăďĊðă OðåÐ ÅÐĊÐťĴĮ ÆďķĊĮÐăďīȨ

How long could you afford to go without a paycheck?

Employee coverage ȧðĊÆăķÌÐĮ ÅďĴì ďĊȭ ĊÌ ďååȭþďÅ ÅÐĊÐťĴĮȨ

Monthly expenses:

My disability coverage worksheet

How much coverage do I need? • Total disability First 3 months UÐŘĴ Ǩ ĉďĊĴìĮ

ZĊȭþďÅ ÆÆðÌÐĊĴȥĮðÆāĊÐĮĮ $_____________/month ɄȲȲȲȲȲȲȲȲȲȲȲȲȲȥĉďĊĴì

• Partial disability Up to 3 months $____________/month

ZååȭþďÅ ÆÆðÌÐĊĴȥĮðÆāĊÐĮĮ $_____________/month ɄȲȲȲȲȲȲȲȲȲȲȲȲȲȥĉďĊĴì $_____________/month

ìÐĊ œðăă ĉř ÅÐĊÐťĴĮ ĮĴīĴȟ • åĴÐī Ċ ÆÆðÌÐĊĴȚ ȲȲȲȲȲȲȲȲȲȲȲ ÌřĮ

åĴÐī ĮðÆāĊÐĮĮȚ ȲȲȲȲȲȲȲȲȲȲȲ ÌřĮ

ìĴ ÌÌðĴðďĊă åÐĴķīÐĮ ďī ÅÐĊÐťĴĮ īÐ ðĊÆăķÌÐÌȟ • Uďīĉă ĨīÐæĊĊÆř ðĮ ÆďŒÐīÐÌ ĴìÐ ĮĉÐ Į Ċř ďĴìÐī ÆďŒÐīÐÌ ĮðÆāĊÐĮĮȘ

Mortgage/rent

$_____________

Groceries

$_____________

Car

$_____________

Medical bills

$_____________

Utilities

$_____________

Other

$_____________

Total

$__________

• ðŒÐī ďå ĨīÐĉðķĉȚ Ð œðăă œðŒÐ řďķī ĨīÐĉðķĉ ĨřĉÐĊĴĮ åĴÐī Ǩǟ consecutive days of a covered disability. • :ďďÌœðăă ÆìðăÌ ÅÐĊÐťĴȚ ɄǠșǟǟǟș ķĨ Ĵď Ĵœď ÅÐĊÐťĴĮ ĨÐī řÐī åďī ÌďĨĴðďĊ ďī œīÌ ďå æķīÌðĊ • TÐĊĴă ďī ĊÐīŒďķĮ ÌðĮďīÌÐīĮ ÅÐĊÐťĴ

How much will it cost? ďķī ÆďĮĴ œðăă Œīř ÅĮÐÌ ďĊ ĴìÐ ăÐŒÐă ďå ÆďŒÐīæÐ řďķ ĮÐăÐÆĴȘ 37

'# }Zt #Aw AOA} # U} :' ȧ'# ǠǠǟǟȨ Ȱ T'U} O ɪ U't Z w

Additional employee coverage AĊ ÌÌðĴðďĊ Ĵď ÌðĮÅðăðĴř ÆďŒÐīæÐș ĴìðĮ ĨăĊ ăĮď ĨīďŒðÌÐĮ ÐĉĨăďřÐÐĮ œðĴì ÅÐĊÐťĴĮ īÐăĴÐÌ Ĵď ÆÆðÌÐĊĴă ðĊþķīðÐĮș ĴìÐðī ĴīÐĴĉÐĊĴ ĊÌ ĉďīÐȘ 'ŒÐĊ ðå řďķȸīÐ ĊďĴ ÌðĮÅăÐÌș ĴìÐ åďăăďœðĊæ ÅÐĊÐťĴĮ īÐ ĨřÅăÐ åďī ÆďŒÐīÐÌ ÆÆðÌÐĊĴă ðĊþķīðÐĮ ďī ĮðÆāĊÐĮĮȚ ACCIDENTAL INJURIES BENEFITS • Accident emergency treatment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $400 • X-ray . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $150 • Accident follow-up treatment (including transportation)/telemedicine . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $75 ȧķĨ Ĵď ǥ ÅÐĊÐåðĴĮ ĨÐī ÆÆðÌÐĊĴ ĨÐī ĨÐīĮďĊș ķĨ Ĵď ǠǡȥřÐī ĨÐī ĨÐīĮďĊȨ

#ðĮÅðăðĴř ÅÐĊÐťĴĮ and more Anita teaches at a local community college and ÐĊþďřĮ ĮĨÐĊÌðĊæ ĴðĉÐ on active hobbies and ŒďăķĊĴÐÐīðĊæ œðĴì ĊďĊȭ ĨīďťĴĮȘ ìÐĊ ĮìÐ œĮ ðĊþķīÐÌ ðĊ ĉďķĊĴðĊ ÅðāðĊæ ÆÆðÌÐĊĴș ĮìÐ œďīīðÐÌ ĴìĴ she might not be able to ĉāÐ ÐĊÌĮ ĉÐÐĴ åďī œìðăÐȘ

How Anita’s coverage helped* ðĴì ìÐī ÆďŒÐīæÐș ĮìÐ īÐÆÐðŒÐÌ ÅÐĊÐťĴĮ åďīȚ • Accident emergency treatment . . . . . . . . .$400

HOSPITAL CONFINEMENT BENEFIT FOR ACCIDENT OR SICKNESS qřĮ ðĊ ÌÌðĴðďĊ Ĵď ÌðĮÅðăðĴř ÅÐĊÐťĴȘ ÐĊÐťĴĮ ÅÐæðĊ ďĊ ĴìÐ ťīĮĴ Ìř ďå ÆďĊťĊÐĉÐĊĴ in a hospital. Up to 3 months . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500/month ($50/day) ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS • Accidental death . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$25,000 • Loss of a finger or toe Single dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $750 Double dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500 • Loss of a hand, arm, foot or sight of an eye Single dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $7,500 Double dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15,000 • Common carrier death (includes school bus for school activities) . . . . . . . . .$50,000 COMPLETE FRACTURES

Nonsurgical

Surgical

• Hip, thigh . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500 . . . . . . . . . .$3,000 • Vertebrae . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,350 . . . . . . . . . . $2,700 • Pelvis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,200 . . . . . . . . . .$2,400 • Skull (depressed) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500 . . . . . . . . . .$3,000 • Leg . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $900 . . . . . . . . . . $1,800

• X-ray . . . . . . . . . . . . . . $150

• Foot, ankle, kneecap . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$750 . . . . . . . . . . $1,500

• Collarbone fracture requiring surgery . . $1,200

• Forearm, hand, wrist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$750 . . . . . . . . . . $1,500

• 'ăÅďœ ÌðĮăďÆĴðďĊ (nonsurgical) . . . . . . .$400

• Shoulder blade, collarbone . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $600 . . . . . . . . . . $1,200

• Hospital stay of 3 nights . . . . . . . . . $150

• Upper arm, upper jaw . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $525 . . . . . . . . . . $1,050

• Short-term disability ÅÐĊÐťĴĮ . . . . . . . . . . $1,400 Total amount: . . . . . $3,700 *For illustrative purposes only. Coverage amounts may vary based on ðĊþķīřș ĴīÐĴĉÐĊĴș ðĊÆďĉÐ ĊÌ ĉďīÐȘ

• Lower jaw . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $600 . . . . . . . . . . $1,200

• Skull (simple) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$525 . . . . . . . . . . $1,050

• Facial bones . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $450 . . . . . . . . . . . $900 • Vertebral processes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $300 . . . . . . . . . . . $600 • Rib . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $300 . . . . . . . . . . . $600 • Finger, toe. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $175 . . . . . . . . . . . $350 • Coccyx . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $125 . . . . . . . . . . . $250

COMPLETE DISLOCATIONS

Nonsurgical

Surgical

• Hip . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500 . . . . . . . . . .$3,000 • Knee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$975 . . . . . . . . . . $1,950 • Shoulder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$750 . . . . . . . . . . $1,500 • Collarbone (sternoclavicular) . . . . . . . . . . . . . . . . . . . . . . . . . . . .$750 . . . . . . . . . . $1,500 • Ankle, foot . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$750 . . . . . . . . . . $1,500 • Collarbone (acromioclavicular and separation) . . . . . . . . . . . .$675 . . . . . . . . . . $1,350 • Hand . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$525 . . . . . . . . . . $1,050 • Lower jaw . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $450 . . . . . . . . . . . $900 • Wrist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $400 . . . . . . . . . . . $800 • Elbow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $400 . . . . . . . . . . . $800 • One finger, toe . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $125 . . . . . . . . . . . $250 • 9ďī ÆìðĨ åīÆĴķīÐș řďķī ÅÐĊÐåðĴ œďķăÌ ÅÐ ǡǤɦ ďå ĴìÐ ĉďķĊĴ ĮìďœĊȘ ìðĨ åīÆĴķīÐĮ īÐ ĴìďĮÐ ðĊ œìðÆì åīæĉÐĊĴ ďå ÅďĊÐ ðĮ ÅīďāÐĊ ďåå ĊÐī þďðĊĴ Ĵ ĨďðĊĴ œìÐīÐ ăðæĉÐĊĴ is attached. • 9ďī ĉķăĴðĨăÐ åīÆĴķīÐĮ ďī ÌðĮăďÆĴðďĊĮș œÐ œðăă Ĩř åďī ÅďĴìș ķĨ Ĵď ǡ ĴðĉÐĮ ĴìÐ highest amount. • 9ďī řďķī åðīĮĴ ÌðĮăďÆĴðďĊș řďķ œďķăÌ īÐÆÐðŒÐ ĴìÐ ĉďķĊĴ ĮìďœĊț ìďœÐŒÐīș īÐÆķīīÐĊĴ ÌðĮăďÆĴðďĊĮ ďå ĴìÐ ĮĉÐ þďðĊĴ īÐ ĊďĴ ÆďŒÐīÐÌȘ

Optional spouse and dependent child(ren) coverage You may cover one or all of the eligible dependent members of your family for an additional premium. Eligible dependents include your spouse and ALL dependent ÆìðăÌīÐĊ œìď īÐ řďķĊæÐī ĴìĊ æÐ ǡǥȘ ACCIDENTAL INJURIES BENEFITS • Accident emergency treatment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $400 • X-ray . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $150 • Accident follow-up treatment (including transportation)/telemedicine . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $75 ȧķĨ Ĵď ǥ ÅÐĊÐåðĴĮ ĨÐī ÆÆðÌÐĊĴ ĨÐī ĨÐīĮďĊș ķĨ Ĵď ǠǡȥřÐī ĨÐī ĨÐīĮďĊȨ HOSPITAL CONFINEMENT BENEFIT FOR ACCIDENT OR SICKNESS Up to 3 months . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$1,500/month ($50/day) ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS • Accidental death, spouse/dependent. . . . . . . . . . . . . . . . . . . . . . . . . . . $10,000 / $5,000 • Loss of a finger or toe Single dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $75 Double dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $150 • Loss of a hand, arm, foot or sight of an eye Single dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $750 Double dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500 • Common carrier death, spouse/dependent AĊÆăķÌÐĮ ĮÆìďďă ÅķĮ åďī ĮÆìďďă ÆĴðŒðĴðÐĮ. . . . . . . . . . . . . . . . . . . . . . . . . $20,000 / $10,000

More than 1 in 4 of 20-year-olds become disabled before retirement age.2

Frequently asked questions When do disability benefits end?

Will my disability income payment be reduced if I have other insurance?

}ìÐ ĴďĴă ÌðĮÅðăðĴř ÅÐĊÐťĴ œðăă ÐĊÌ ďĊ ĴìÐ ĨďăðÆř ĊĊðŒÐīĮīř ÌĴÐ ďĊ ďī ĊÐŘĴ åďăăďœðĊæ řďķī ǦǟĴì ÅðīĴìÌřș ďī œìÐĊ řďķ īÐ Ċď ăďĊæÐī ÆďĊĮðÌÐīÐÌ ÌðĮÅăÐÌ Į ÌÐťĊÐÌ ðĊ ĴìÐ ĨďăðÆřș œìðÆìÐŒÐī ÆďĉÐĮ ťīĮĴȘ

ÐĊÐťĴĮ īÐ ĨřÅăÐ īÐæīÌăÐĮĮ ďå œďīāÐīĮȸ ÆďĉĨÐĊĮĴðďĊ ďī Ċř ďĴìÐī ðĊĮķīĊÆÐ řďķ ĉř ìŒÐ œðĴì ďĴìÐī ðĊĮķīĊÆÐ ÆďĉĨĊðÐĮȘ ÐĊÐťĴĮ īÐ ĨřÅăÐ ÌðīÐÆĴăř Ĵď řďķ ȧķĊăÐĮĮ řďķ ĮĨÐÆðåř ďĴìÐīœðĮÐȨȘ

Can I keep my coverage if I change jobs?

When am I considered totally disabled?

Aå řďķ ÆìĊæÐ þďÅĮ ďī īÐĴðīÐș řďķ ÆĊ ĴāÐ řďķī ÆďŒÐīæÐ œðĴì řďķ ķĊĴðă æÐ Ǧǟș Į ăďĊæ Į řďķ Ĩř řďķī ĨīÐĉðķĉĮ œìÐĊ ĴìÐř īÐ ÌķÐ ďī œðĴìðĊ ĴìÐ æīÆÐ ĨÐīðďÌȘ

Totally disabled means you are: • Unable to perform the material and substantial duties ďå řďķī ďÆÆķĨĴðďĊț

How do I file a claim?

• UďĴș ðĊ åÆĴș œďīāðĊæ Ĵ Ċř ďÆÆķĨĴðďĊț ĊÌ • Under the regular and appropriate care of a doctor.

Visit coloniallife.com or call our Policyholder Service ÐĊĴÐī Ĵ ǠȭǧǟǟȭǢǡǤȭǣǢǥǧ åďī ÌÌðĴðďĊă ðĊåďīĉĴðďĊȘ

What if I want to return to work part time after I am totally disabled?

What is a pre-existing condition?

• You are unable to perform the material and substantial ÌķĴðÐĮ ďå řďķī þďÅ åďī ĉďīÐ ĴìĊ ìăå ďå řďķī Ċďīĉăăř ĮÆìÐÌķăÐÌ ìďķīĮ ĨÐī œÐÐāț

ĨīÐȭÐŘðĮĴðĊæ ÆďĊÌðĴðďĊ ĉÐĊĮ ĮðÆāĊÐĮĮ ďī ĨìřĮðÆă ÆďĊÌðĴðďĊ åďī œìðÆì Ċř ÆďŒÐīÐÌ ĨÐīĮďĊ œĮ ĴīÐĴÐÌș īÐÆÐðŒÐÌ ĉÐÌðÆă ÌŒðÆÐș ďī ìÌ ĴāÐĊ ĉÐÌðÆĴðďĊ œðĴìðĊ Ǡǡ ĉďĊĴìĮ ÅÐåďīÐ ĴìÐ ÐååÐÆĴðŒÐ ÌĴÐ ďå ĴìÐ ĨďăðÆřȘ Aå řďķ īÐ æÐ ǥǤ ďī ďăÌÐī œìÐĊ ĴìÐ ĨďăðÆř ðĮ ðĮĮķÐÌș ĨīÐȭÐŘðĮĴðĊæ ÆďĊÌðĴðďĊĮ ðĊÆăķÌÐ ďĊăř ÆďĊÌðĴðďĊĮ ĮĨÐÆðťÆăăř ÐŘÆăķÌÐÌ from coverage by the rider.

• ďķ īÐ ÅăÐ Ĵď œďīā Ĵ řďķī þďÅ ďī řďķī ĨăÆÐ ďå employment for less than half of your normally ĮÆìÐÌķăÐÌ ìďķīĮ ĨÐī œÐÐāț

Aå řďķ ÅÐÆďĉÐ ÌðĮÅăÐÌ ÌķÐ Ĵď ĨīÐȭÐŘðĮĴðĊæ ÆďĊÌðĴðďĊș œÐ œðăă ĊďĴ Ĩř åďī Ċř ÌðĮÅðăðĴř ĨÐīðďÌ ðå ðĴ ÅÐæðĊĮ ÌķīðĊæ ĴìÐ ťīĮĴ Ǡǡ ĉďĊĴìĮ ĴìÐ ĨďăðÆř ðĮ ðĊ åďīÆÐȘ

ďķ ĉř ÅÐ ÅăÐ Ĵď īÐĴķīĊ Ĵď œďīā ĨīĴ ĴðĉÐ ĊÌ ĮĴðăă īÐÆÐðŒÐ ÅÐĊÐťĴĮȘ Ð Æăă ĴìðĮ ȵĨīĴðă ÌðĮÅðăðĴřȘȶ }ìðĮ means you may be eligible for coverage if:

• ďķī ÐĉĨăďřÐī œðăă ăăďœ řďķ Ĵď īÐĴķīĊ Ĵď řďķī þďÅ ďī place of employment for less than half of your normally ĮÆìÐÌķăÐÌ ìďķīĮ ĨÐī œÐÐāț ĊÌ

What is the mental or nervous disorder benefit? }ìðĮ ÅÐĊÐťĴ ĨīďŒðÌÐĮ ÆďŒÐīæÐ åďī ÌðĮÅðăðĴř ÌķÐ Ĵď ĉÐĊĴă ďī ĊÐīŒďķĮ ÆďĊÌðĴðďĊȘ ďŒÐīæÐ ĨīďŒðÌÐĮ ÅÐĊÐťĴ ķĨ Ĵď ĴìīÐÐ ĉďĊĴìĮ ĨÐī ďÆÆķīīÐĊÆÐș œðĴì ÆķĉķăĴðŒÐ ăðåÐĴðĉÐ ĉŘðĉķĉ ÅÐĊÐťĴ ďå ǡǣ ĉďĊĴìĮȘ

• You are under the regular and appropriate care of a doctor. }ìÐ ĴďĴă ÌðĮÅðăðĴř ÅÐĊÐťĴ ĉķĮĴ ìŒÐ ÅÐÐĊ ĨðÌ for at least 14 days immediately prior to your being partially disabled.

9ďī ĉďīÐ ðĊåďīĉĴðďĊș Ĵăā œðĴì řďķī ďăďĊðă OðåÐ ÅÐĊÐťĴĮ ÆďķĊĮÐăďīȘ 1. 'ÌķÆĴďī #ðĮÅðăðĴř ÌŒĊĴæÐ ðĮ ĴìÐ ĉīāÐĴðĊæ ĊĉÐ ďå ĴìÐ ðĊĮķīĊÆÐ ĨīďÌķÆĴ ťăÐÌ Į ȵ#ðĮÅðăðĴř AĊÆďĉÐ AĊĮķīĊÆÐ qďăðÆř ȧw 'ǠǠǟǟȨȘȶ ǡȘ ȘwȘ wďÆðă wÐÆķīðĴř ÌĉðĊðĮĴīĴðďĊș }ìÐ 9ÆÐĮ ĊÌ 9ÆĴĮ ďå #ðĮÅðăðĴřȘ ìĴĴĨĮȚȥȥœœœȘĮĮȘæďŒȥÌðĮÅðăðĴřåÆĴĮȥåÆĴĮȘìĴĉăȘ ÆÆÐĮĮÐÌ Ĩīðă ǡǟǡǠȘ EXCLUSIONS AND LIMITATIONS Ð œðăă ĊďĴ Ĩř ÅÐĊÐťĴĮ åďī ăďĮĮÐĮ ĴìĴ īÐ ÆķĮÐÌ Åř ďī īÐ ĴìÐ īÐĮķăĴ ďåȚ ďĮĉÐĴðÆ wķīæÐīřș 9ÐăďĊðÐĮ ĊÌ AăăÐæă ZÆÆķĨĴðďĊĮș 9ăřðĊæș >šīÌďķĮ ŒďÆĴðďĊĮș AĊĴďŘðÆĊĴĮ ĊÌ UīÆďĴðÆĮș tÆðĊæș wÐĉðĨīďåÐĮĮðďĊă ďī qīďåÐĮĮðďĊă wĨďīĴĮș wķÅĮĴĊÆÐ ÅķĮÐș wķðÆðÌÐ ďī wÐăåȭAĊŦðÆĴÐÌ AĊþķīðÐĮș ĊÌ ī ďī īĉÐÌ ďĊŦðÆĴȘ This information is not intended to be a complete description of the insurance coverage available. The policy may vary or ÅÐ ķĊŒðăÅăÐ ðĊ ĮďĉÐ ĮĴĴÐĮȘ }ìÐ ĨďăðÆř ìĮ ÐŘÆăķĮðďĊĮ ĊÌ ăðĉðĴĴðďĊĮ œìðÆì ĉř ååÐÆĴ Ċř ÅÐĊÐťĴĮ ĨřÅăÐȘ ĨĨăðÆÅăÐ Ĵď ĨďăðÆř åďīĉ w 'ǠǠǟǟȘ 9ďī ÆďĮĴ ĊÌ ÆďĉĨăÐĴÐ ÌÐĴðăĮ ďå ÆďŒÐīæÐș Æăă ďī œīðĴÐ řďķī ďăďĊðă OðåÐ ÅÐĊÐťĴĮ ÆďķĊĮÐăďī ďī ĴìÐ company. ĊÌÐīœīðĴĴÐĊ Åř ďăďĊðă OðåÐ ɪ ÆÆðÌÐĊĴ AĊĮķīĊÆÐ ďĉĨĊřș ďăķĉÅðș w Ș ColonialLife.com

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SHORT-TERM DISABILITY PREMIUMS On/Off-Job Accident and On/Off-Job Sickness with Mental or Nervous Benefit Monthly Benefit Amount

Pay Premium

First 3 Months

Next 9 Months

Units

400

200

600

300

800

400

$1,000

$500

$1,500 $2,000 $2,500

$1,250

Elimination Period 0/7

0/14

14/14

12-Pay Premium

$21.90

$18.70

$17.90

12-Pay Premium

$28.10

$23.30

$22.10

12-Pay Premium

$34.30

$27.90

$26.30

12-Pay Premium

$40.50

$32.50

$30.50

$750

12-Pay Premium

$56.00

$44.00

$41.00

$1,000

12-Pay Premium

$71.50

$55.50

$51.50

12-Pay Premium

$87.00

$67.00

$62.00

$3,000

$1,500

12-Pay Premium

$102.50

$78.50

$72.50

$3,500

$1,750

12-Pay Premium

$118.00

$90.00

$83.00

$3,900

$1,950

12-Pay Premium

$130.40

$99.20

$91.40

To provide 60% monthly Disability Benefit

Percent of Income Coverage

$400.00

$8,000 - $9,999.99

$0.60

$600.00

$12,000 - $13,999.99

$0.60

Monthly Disability Benefit

$800.00

$16,000 - $17,999.99

$0.60

$1,000.00

$20,000 - $21,999.99

$0.60

$1,200.00

$24,000 - $25,999.99

$0.60

$1,500.00

$30,000 - $31,999.99

$0.60

$2,000.00

$40,000 - $41,999.99

$0.60

$2,500.00

$50,000 - $51,999.99

$0.60

$3,000.00

$60,000 - $61,999.99

$0.60

$3,500.00

$78,000 - $82,799.99

$0.54

$4,000.00

$102,000 - $106,799.99

$0.47

$4,500.00

$126,000 - $130,799.99

$0.43

$5,000.00

$150,000 and above

$0.40

Sample rates only. Multiple choices and options available and rates may vary.

Click on the video below to learn more about Accident Benefits!

ACCIDENT BENEFITS

Accident Insurance Preferred Plan

Our coverage includes:

If you are in an accident, your focus should be on recovery, not how you’re going to pay your bills. Colonial Life Accident Insurance can pay benefits directly to you to use however you like — from medical costs to everyday expenses — offering financial support when you need it.

• Benefits payable directly to you • No medical questions to qualify for coverage • Coverage for simple and complex injuries • Benefits payable regardless of other insurance • Worldwide coverage • Works alongside your Health Savings Account (HSA)

BENEFITS STORY

Jacob was running on the playground when he tripped and injured his hand. With Colonial Life accident benefits, Jacob’s parents were able to pay the annual deductible and co-payments.

JACOB’S ACCIDENT BENEFITS Jacob went to an urgent care facility and received immediate care.

Accident emergency treatment

$125

The doctor ordered an X-ray and discovered Jacob had fractured his hand.

• X-ray • Fracture (hand)

$40 $475

The doctor also found that Jacob had a cut on his hand.

Laceration (no stitches)

$30

Jacob was discharged with a splint.

Medical equipment (splint)

$40

Over the next several weeks, Jacob had three follow-up appointments with his doctor.

Accident follow-up treatment (3 visits)

$165

Total

$875

For illustrative purposes only for covered accidents. Beneﬁt amounts may vary and may not cover all expenses.

IAC4000 – PREFERRED PLAN

BENEFITS STORY

Olivia was driving to the store when she got into a car accident. Olivia’s accident benefits helped cover her annual deductible and co-payments. OLIVIA’S ACCIDENT BENEFITS Olivia arrived by ambulance at the nearest emergency room and received immediate care.

• Ambulance • Accident emergency treatment • Injury due to auto accident

$250 $125 $250

The doctor ordered an X-ray and discovered Olivia had fractured her thigh (femur). He also ordered a CT scan of her head to check for a brain injury.

• X-ray • Medical imaging (CT) • Thigh fracture — femur (surgical)

$40 $250 $5,600

Olivia was admitted to the hospital for surgery on her leg. She was confined for three days.

• Hospital admission • Surgery (exploratory/arthroscopic) • Hospital confinement (3 days)

$1,250 $350 $900

Olivia had eight sessions of physical therapy to help regain the strength in her leg.

• Physical therapy (8 days) • Medical equipment (crutches)

$360 $125

Over the next several weeks, she had six follow-up appointments with her doctor.

Accident follow-up treatment (6 visits)

$330

Total

For illustrative purposes only for covered accidents. Beneﬁt amounts may vary and may not cover all expenses.

$9,830

Summary of Benefits Benefits are per covered person per covered accident unless stated otherwise.

Initial care

Dislocation — separated joint • Non-surgical — repair . . . . . . . . . . . . . . . . . . . . . . . $125–$2,750 Examples: elbow: $600 | ankle: $1,250 | hip: $2,750

Accident emergency treatment. . . . . . . . . . . . . . . . . . . . . . . . . $125 Hospital emergency room, urgent care facility or physician’s office

• Incomplete dislocation — or dislocation without anesthesia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25% (payable as a % of the applicable dislocation beneﬁt)

Accidental injury due to an automobile accident1 . . . . . . . . $250 Air ambulance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2,400 Ambulance — ground or water . . . . . . . . . . . . . . . . . . . . . . . . . $250

• Surgical — repair . . . . . . . . . . . . . . . . . . . . . . . . . . . . $250–$5,500 Examples: elbow: $1,200 | ankle: $2,500 | hip: $5,500

Observation room . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$175 per day (up to two days per calendar year)

Emergency dental work . . . . . . . . . . . . . . . . . . . . . . . . . . $125–$350 Dental extraction or dental crown, denture or implant

X-ray. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $40

Common accidental injuries

Eye injury — with surgical repair or removal of a foreign object . . . . . . . . . . . . . . . . . . . . . . . . . . . . $350

Burn . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,000–$15,000 (based on size and degree)

Fracture — complete

Burn — skin graft . . . . . . . . . . . . . .50% of applicable burn benefit

• Non-surgical — repair . . . . . . . . . . . . . . . . . . . . . . . $300–$3,750 Examples: hand/foot: $475 | collarbone: $775 | leg: $1,250

Coma . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15,000 (lasting for seven or more consecutive days)

• Chip fracture . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25% (payable as a % of the applicable fracture beneﬁt )

Concussion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $200

• Surgical — repair . . . . . . . . . . . . . . . . . . . . . . . . . . . . $600–$7,500 Examples: hand/foot: $950 | collarbone: $1,550 | leg: $2,500

Follow-up care Accident follow-up treatment, including transportation/telemedicine . . . . . . . . . . . . . . . . . . . . . . . . . . . .$55 (up to six beneﬁts per covered person per covered accident and up to 12 beneﬁts per covered person per calendar year) Medical equipment • Tier 1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $40 Arm sling, cane, medical ring cushion, neck brace or wrist/ankle splint • Tier 2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $125 Bedside commode, cold therapy system (cryotherapy), crutches, leg brace, shower chair, walker or walking boot • Tier 3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $250 Back brace, body jacket, continuous passive movement (CPM), halo, electric scooter, hospital bed (including rental), knee scooter, stair lift chair or wheelchair Medical imaging study — CT, CAT scan, EEG, EMG, MR or MRI. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $250 (one per calendar year) Pain management for epidural anesthesia — non-surgical . . $125 Post-traumatic stress disorder (PTSD) . . . . . . . . . . . . . . . . . $250 Prosthetic device/artificial limb Hearing-loss injuries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$140

• One . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $950

Knee cartilage — torn — with surgical repair . . . . . . . . . . . . . $800

• More than one . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,900

Laceration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $30–$750 (based on repair and length)

• Repair/replacement3 . . . . . . . . . . . . . . . . . . . . . . . . . . $475/$950

Rehabilitation unit confinement . . . . . . . . . . . . . . . . .$175 per day (up to 15 days, not to exceed 30 days per calendar year)

Ruptured disc — with surgical repair . . . . . . . . . . . . . . . . . . . $950 Tendon/ligament/rotator cuff — with surgical repair

Therapy — occupational, physical or speech . . . . . . $45 per day (up to 10 days)

• One . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $800 • Two or more . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,600

Accidental dismemberment

Hospital care

Accidental dismemberment . . . . . . . . . . . . . . . . . . .$600–$25,000 • Loss, loss of use or paralysis – hand, arm, foot, leg, sight of eye • Loss, loss of use – ﬁnger, toe, partial dismemberment of ﬁnger or toe

Hospital admission . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,250 Hospital confinement . . . . . . . . . . . . . . . . . . . . . . . . . $300 per day (up to 365 days)

Accidental dismemberment due to a catastrophic accident

Hospital sub-acute intensive care unit confinement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $400 per day (up to 30 days)

• Named insured, spouse or child . . . . . . . . . . . . . . . . . .$30,0004 • Total and irrecoverable loss, loss of use or paralysis – 180-day elimination period • Loss of both hands, arms, feet, legs or the sight of both eyes; or any combination; or • Loss of hearing in both ears, or loss of ability to speak

Intensive care unit admission . . . . . . . . . . . . . . . . . . . . . . . .$2,500 Intensive care unit confinement . . . . . . . . . . . . . . . . $550 per day (up to 15 days)

Surgical care

Accidental death

Blood/plasma/platelets — transfusion . . . . . . . . . . . . . . . . . $400

Accidental death

Surgery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $250–$1,900 (based on type of repair and surgery)

• Named insured, spouse . . . . . . . . . . . . . . . . . . . . . . . . . . $40,000 • Child . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$10,000

Transportation and lodging

Accidental death common carrier Examples of common carriers are mass transit trains, buses and planes

Transportation for hospital confinement . . $700 per round trip (up to three round trips, 50+ miles from home)

• Named insured, spouse . . . . . . . . . . . . . . . . . . . . . . . . . .$160,000

Lodging–companion . . . . . . . . . . . . . . . . . . . . . . . . . . $150 per day (up to 30 days)

• Child . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $30,000

For more information, contact your Colonial Life benefits counselor.

1 Requires transportation by a licensed professional air ambulance or ambulance (ground or water).

STATE VARIATIONS FOR EXCLUSIONS AND LIMITATIONS

2 One benefit for each injured ear per covered person per lifetime. 3 One repair or replacement per prosthetic device/artificial limb per covered person per lifetime.

MI: Not applicable to “suicide or injuries which any covered person intentionally does to himself” or for injuries that are the result of intoxication or use of narcotics.”

4 Payable once per lifetime per covered person.

OR: Replace “felonies or illegal occupations” with “felonies.”

HEALTH SAVINGS ACCOUNT (HSA) COMPATIBLE

PA: Not applicable to “injuries a child sustains during birth” or “injuries that are the result of intoxication or use of narcotics.”

KS: Not applicable to “for injuries a child sustains during birth.”

This plan is compatible with HSA guidelines and any other HSA plan in which a covered family member may participate. It may also be offered to employees who do not have HSAs.

SC: Not applicable to “hazardous avocations, racing, semi-professional or professional sports.” VT: Not applicable to “hazardous avocations, racing, semi-professional or professional sports.” The additional exclusions for Accidental Dismemberment due to Catastrophic Accident “for injuries a child sustains during birth, or for injuries that are the result of intoxication or use of narcotics” do not apply.

This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. Applicable to policy form IAC4000 (including state abbreviations where used, for example: IAC4000-SC). For cost and complete details of the coverage, call or write your Colonial Life benefits counselor or the company.

EXCLUSIONS We will not pay benefits for losses that are caused by, contributed to by or occur as the result of a covered personʼs felonies or illegal occupations, hazardous avocations, racing, semi-professional or professional sports, sickness, suicide or injuries which any covered person intentionally does to himself, war or armed conflict. In addition, we will not pay Accidental Dismemberment Due to Catastrophic Accident benefits for injuries a child sustains during birth, or for injuries that are the result of intoxication or use of narcotics.

Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC. ColonialLife.com

© 2024 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. FOR EMPLOYEES 7-24 | 101954-3

Accident Insurance Active Lifestyles Benefit

This benefit increases the amount you receive by 20% for your covered eligible benefits, giving you more financial protection for the unexpected. The active lifestyles benefit is available to you with accident coverage, as well as all your covered family members.

Example of a benefits calculation

Eligible benefits1

$2,500

Eligible beneﬁts

$2,500

Eligible beneﬁt amount

x 20%

Active lifestyles beneﬁt

$500

Active lifestyles beneﬁt calculation

$2,500

Eligible beneﬁt amount

+ $500

Active lifestyles beneﬁt

• Concussion • Dislocation • Emergency dental work • Eye injuries • Fractures • Knee cartilage (torn) • Laceration • Medical imaging study • Ruptured disc with surgical repair • Surgery ‐ cranial, open abdominal, thoracic/hernia

$3,000

‐ exploratory and arthroscopic

Total

• Tendon/ligament/rotator cuff with surgical repair • X-ray

For illustrative purposes only

To learn more, talk with your Colonial Life benefits counselor.

IAC4000 – ACTIVE LIFESTYLES BENEFIT

1 Active lifestyles benefit applies to any combination of these injuries or services due to a covered accident. HEALTH SAVINGS ACCOUNT (HSA) COMPATIBLE This plan is compatible with HSA guidelines and any other HSA plan in which a covered family member may participate. It may also be offered to employees who do not have HSAs. THIS POLICY PROVIDES LIMITED BENEFITS. This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for this coverage. ADDITIONAL DISCLOSURES FOR KENTUCKY Eligibility for benefits: We will pay benefits for a covered accident if any covered person sustains an injury as a result of a covered accident if: • the covered accident occurs while the policy is in force; • the covered accident occurs on or after the policy coverage effective date; • the covered accident is an accident type listed on the policy schedule; and • the covered accident is not excluded by name or specific description in the policy. Noncancellable: This policy is noncancellable. We have no right to change the premiums we charge on this policy. Any riders attached to this policy may be subject to a change in premium. The premium can be changed following the approval of the Commissioner of Insurance only if we change it on all riders of the same kind in force in the state where the policy was issued. What is not covered by this policy: We will not pay benefits for losses that are caused by, contributed to by or occur as a result of the covered person’s felonies or illegal occupations, hazardous avocations, racing, semi-professional or professional sports, sickness or injuries which any covered person intentionally does to himself, war or armed conflict. In addition, we also will not pay the Accidental Dismemberment due to Catastrophic Accident benefit for injuries that are caused by or are the result of birth or intoxicants, narcotics and hallucinogencis. This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. Applicable to policy form IAC4000 (including state abbreviations where used, for example: IAC4000-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company. An insurance producer may contact you. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC. © 2024 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. ColonialLife.com

FOR EMPLOYEES

3-24 | 101778-3

Accident Insurance Sickness Hospital Confinement Rider

These beneﬁts can help with medical costs related to a hospital stay for a covered sickness, including costs that your health insurance may not cover, such as co-pays and deductibles. The sickness hospital conﬁnement rider is optional coverage available to you and all your covered family members. Daily sickness hospital confinement . . . . . . . . . . . . . . . . . . . . . . . $100 per day

To learn more, talk with your Colonial Life benefits counselor.

Up to 30 days per covered person per confinement for a covered sickness Re-confinement for the same or related condition within 90 days of discharge is considered a continuation of a previous confinement.

IAC4000 – SICKNESS HOSPITAL CONFINEMENT RIDER

HEALTH SAVINGS ACCOUNT (HSA) COMPATIBLE This plan is compatible with HSA guidelines and any other HSA plan in which a covered family member may participate. It may also be offered to employees who do not have HSAs. THIS POLICY PROVIDES LIMITED BENEFITS. This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for this coverage. EXCLUSIONS AND LIMITATIONS We will not pay benefits for losses that are caused by, contributed to by or occur as the result of accidental injuries, alcoholism or drug addiction, dental procedures, elective procedures and cosmetic surgery, felonies or illegal occupations, psychiatric or psychological conditions, intoxicants and narcotics, psychiatric or psychological conditions, suicide or injuries which you intentionally do to yourself, war or armed conflict and well baby care. PRE-EXISTING CONDITION LIMITATION Pre-existing condition means a sickness or physical condition, whether diagnosed or not, for which a covered person was treated, had medical testing, received medical advice, or had taken medication within 12 months before the rider coverage effective date shown on the rider schedule. After this rider has been in force for 12 months from the rider coverage effective date shown on the rider schedule, we will pay benefits as stated in the rider for any loss as the result of a pre-existing condition not excluded by name or specific description if the covered loss began at least 12 months after the rider coverage effective date. STATE VARIATIONS FOR EXCLUSIONS AND LIMITATIONS AK: Replace “alcoholism or drug addiction” with “intoxicants or narcotics.” DE: Replace “alcoholism or drug addiction” with “substance abuse.” FL: Replace “psychiatric or psychological conditions” with “mental or nervous disorders.” IL: Pre-existing Condition Limitation definition also includes “produced symptoms.” LA: Replace “alcoholism or drug addiction” with “intoxicants and narcotics.” ME: Pre-existing Condition Limitation definition does not include “had taken medication.” MO: Replace “alcoholism or drug addiction” with “substance abuse.” MT: Pre-existing Condition Limitation definition does not include “whether diagnosed or not” or “had medical testing.” NC: Pre-existing Conditions Limitation definition also includes “If a covered person is 65 or older when this policy is issued, pre-existing conditions for that covered person will include only conditions specifically eliminated by rider.” OK: Replace “psychiatric or psychological conditions” with “mental or emotional conditions.” SC: Replace “psychiatric or psychological conditions” with “mental or emotional disorders.” SD: Not applicable to “alcoholism or drug addiction.” UT: Replace “psychiatric or psychological conditions” with “mental or nervous disorders.” VT: Not applicable to “alcoholism or drug abuse, psychiatric or psychological conditions, well baby care,” or the limitation for giving birth within the first nine months after the rider coverage effective date. ADDITIONAL DISCLOSURES FOR THE STATE OF KENTUCKY Eligibility for Benefits: We will pay the benefits for a covered accident if any covered person sustains an injury as a result of a covered accident if: • The covered accident occurs while the policy is in force; • The covered accident occurs on or after the policy coverage effective date; • The covered accident is on an accident type listed on the policy schedule; and • The covered accident is not excluded by name or specific description in the policy. What is not covered by this policy: We will not pay benefits for losses that are caused by, contributed to by or occurs as a result of the covered person’s felonies or illegal occupations, hazardous avocations, racing, semi-professional or professional sports, sickness or injuries which any covered person intentionally does to himself, war or armed conflict. In addition, we also will not pay the Accidental Dismemberment due to Catastrophic Accident benefit for injuries that are caused by or are the result of birth or intoxicants, narcotics, and hallucinogenics. Termination of this Rider: This rider will terminate on the earliest of: the date the policy to which this rider is attached terminates; the date premium for this rider is not paid by the end of the grace period; or the date we receive your written request to terminate this rider. Noncancellable: This policy is noncancellable. We have no right to change the premiums we charge on this policy. Any riders attached to this policy may be subject to a change in premium. The premium can be changed following the approval of the Commissioner of Insurance only if we change it on all riders of the same kind in force in the state where the policy was issued. This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. Applicable to policy form IAC4000 and rider form R-SHC4000 (including state abbreviations where used, for example: IAC4000-AL). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.

ColonialLife.com

Accident Insurance Wellbeing Assistance Standard Benefit

This benefit can help reduce the risk of serious illness through early detection of disease or other risk factors, giving you more protection from the unexpected. Wellbeing assistance standard . . . . . . . . . . . . . . . . . . . . . .$____________________ Payable once per covered person per calendar year; subject to a 30-day waiting period1 • Blood test for triglycerides

• Hemoccult stool analysis

• Bone marrow testing

• Mammography

• Breast ultrasound

• Pap smear2

• CA 15-3 (blood test for breast cancer)

• PSA (blood test for prostate cancer)

• CA 125 (blood test for ovarian cancer)

• Serum cholesterol test for HDL and LDL levels

• Carotid Doppler • CEA (blood test for colon cancer)

• Serum protein electrophoresis (blood test for myeloma)

• Chest X-ray

• Skin cancer biopsy

• Colonoscopy

• Stress test on a bicycle or treadmill

• Echocardiogram (ECHO) • Electrocardiogram (EKG, ECG) • Fasting blood glucose test • Flexible sigmoidoscopy

To learn more, talk with your Colonial Life benefits counselor .

• Thermography • ThinPrep pap test2 • Virtual colonoscopy

IAC4000 – WELLBEING ASSISTANCE STANDARD BENEFIT

1 No waiting period in ID, MD, MO, VA and VT. 2 In WV only, benefit is also payable for human papillomavirus screening test. THIS POLICY PROVIDES LIMITED BENEFITS . This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for this coverage. EXCLUSIONS FOR ARIZONA We will not pay benefits for losses that are caused by, contributed to by or occur as the result of a covered personʼs felonies or illegal occupations, hazardous avocations, racing, semi-professional or professional sports, sickness, suicide or injuries which any covered person intentionally does to himself, war or armed conflict. In addition, we will not pay Accidental Dismemberment Due to Catastrophic Accident benefit for injuries a child sustains during birth, or for injuries that are the result of intoxication or use of narcotics. ADDITIONAL DISCLOSURES FOR KENTUCKY Waiting Period: Waiting period means the first 30 days following each covered person’s coverage effective date during which no benefits are payable. Eligibility for Benefits: We will pay the benefits for a covered accident if any covered person sustains an injury as a result of a covered accident if: • The covered accident occurs while the policy is in force; • The covered accident occurs on or after the policy coverage effective date; • The covered accident is on an accident type listed on the policy schedule; and • The covered accident is not excluded by name or specific description in the policy. What is not covered by this policy: We will not pay benefits for losses that are caused by, contributed to by or occurs as a result of the covered person’s felonies or illegal occupations, hazardous avocations, racing, semi-professional or professional sports, sickness or injuries which any covered person intentionally does to himself, war or armed conflict. In addition, we also will not pay the Accidental Dismemberment due to Catastrophic Accident benefit for injuries that are caused by or are the result of birth or intoxicants, narcotics, and hallucinogencis. Noncancellable: This policy is noncancellable. We have no right to change the premiums we charge on this policy. Any riders attached to this policy may be subject to a change in premium. The premium can be changed following the approval of the Commissioner of Insurance only if we change it on all riders of the same kind in force in the state where the policy was issued. This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. Applicable to policy form IAC4000 (including state abbreviations where used, for example: IAC4000-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company. An insurance producer may contact you. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC. © 2024 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. ColonialLife .com

FOR EMPLOYEES

6-24 | 101781-5

ACCIDENT BENEFIT PREMIUMS Preferred with Active Lifestyles - On/Off-Job Accident Coverage and Standard $100 Wellbeing Assistance

12-Pay Premium Named Insured

$27.11

Employee & Spouse

$41.51

Spouse Only

$27.11

Dependent Only

$27.11

One Parent Family Employee

$43.88

Two Parent Family

$57.79

Sample rates only. Multiple choices and options available and rates may vary.

Click on the video below to learn more about Medical Bridge Benefits!

MEDICAL BRIDGE BENEFITS

Hospital Confinement Indemnity Insurance Plan 1 Our Individual Medical BridgeSM insurance can help with medical costs that your health insurance may not cover. These benefits are available for you, your spouse and eligible dependent children.

Hospital confinement ..................................................................... $__________________ Maximum of one benefit per covered person per calendar year

Observation room.................................................................................. $100 per visit Maximum of two visits per covered person per calendar year

Rehabilitation unit confinement ................................................................. $100 per day Maximum of 15 days per confinement with a 30-day maximum per covered person per calendar year

Waiver of premium Available after 30 continuous days of a covered hospital confinement of the named insured

Health savings account (HSA) compatible

For more information, talk with your benefits counselor.

ColonialLife.com

This plan is compatible with HSA guidelines. This plan may also be offered to employees who do not have HSAs. Colonial Life & Accident Insurance Company’s Individual Medical Bridge offers an HSA compatible plan in most states.

THIS POLICY PROVIDES LIMITED BENEFITS.

EXCLUSIONS We will not pay benefits for losses which are caused by: alcoholism or drug addiction, dental procedures, elective procedures and cosmetic surgery, felonies or illegal occupations, mental or emotional disorders, pregnancy of a dependent child, suicide or injuries which any covered person intentionally does to himself or herself, war, or giving birth within the first nine months after the effective date of the policy. We will not pay benefits for hospital confinement of a newborn who is neither injured nor sick. We will not pay benefits for loss during the first 12 months after the effective date due to a pre-existing condition. A preexisiting condition is a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within the 12 months before the effective date of the policy. For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy number IMB7000-SC. This is not an insurance contract and only the actual policy provisions will control. ©2016 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.

IMB7000 – PLAN 1 | 1-16 | 101576-SC

Hospital Confinement Indemnity Insurance Plan 3 Our Individual Medical BridgeSM insurance can help with medical costs that your health insurance may not cover. These benefits are available for you, your spouse and eligible dependent children. Hospital confinement ......................................................................... $_______________ Maximum of one benefit per covered person per calendar year

Observation room.................................................................................. $100 per visit Maximum of two visits per covered person per calendar year

Waiver of premium

Available after 30 continuous days of a covered hospital confinement of the named insured

Diagnostic procedure Tier 1. . . . . . ......................................................................................... ................. $250 Tier 2. . . . . . ......................................................................................... ................. $500 Maximum of $500 per covered person per calendar year for all covered diagnostic procedures combined

Outpatient surgical procedure Tier 1. . . . . . ......................................................................................... . $_______________ Tier 2. . . . . . ......................................................................................... .. $_______________

For more information, talk with your benefits counselor.

Maximum of $___________ per covered person per calendar year for all covered outpatient surgical procedures combined

The following is a list of common diagnostic procedures that may be covered.

Tier 1 diagnostic procedures Breast – Biopsy (incisional, needle, stereotactic) Diagnostic radiology – Nuclear medicine test Digestive – Barium enema/lower GI series – Barium swallow/upper GI series – Esophagogastroduodenoscopy (EGD) Ear, nose, throat, mouth – Laryngoscopy Gynecological – Hysteroscopy – Amniocentesis – Loop electrosurgical – Cervical biopsy excisional procedure – Cone biopsy (LEEP) – Endometrial biopsy

Liver – biopsy Lymphatic – biopsy Miscellaneous – Bone marrow aspiration/biopsy Renal – biopsy Respiratory – Biopsy – Bronchoscopy – Pulmonary function test (PFT) Skin – Biopsy – Excision of lesion Thyroid – biopsy Urologic – Cystoscopy

Tier 2 diagnostic procedures Cardiac – Angiogram – Arteriogram – Thallium stress test – Transesophageal echocardiogram (TEE)

Diagnostic radiology – Computerized tomography scan (CT scan) – Electroencephalogram (EEG) – Magnetic resonance imaging (MRI) – Myelogram – Positron emission tomography scan (PET scan) IMB7000 – PLAN 3

The surgeries listed below are only a sampling of the surgeries that may be covered. Surgeries must be performed by a doctor in a hospital or ambulatory surgical center. For complete details and definitions, please refer to your policy.

Tier 1 outpatient surgical procedures Breast

Ear, nose, throat, mouth

– Axillary node dissection – Breast capsulotomy – Lumpectomy

– Adenoidectomy – Removal of oral lesions – Myringotomy – Tonsillectomy – Tracheostomy – Tympanotomy

Cardiac

– Pacemaker insertion

Digestive

Gynecological

– Colonoscopy – Fistulotomy – Hemorrhoidectomy – Lysis of adhesions

– Dilation and curettage (D&C) – Endometrial ablation – Lysis of adhesions

Musculoskeletal system

Skin

– Laparoscopic hernia repair – Skin grafting

Liver

– Paracentesis

– Carpal/cubital repair or release – Foot surgery (bunionectomy, exostectomy, arthroplasty, hammertoe repair) – Removal of orthopedic hardware – Removal of tendon lesion

Tier 2 outpatient surgical procedures Breast

Gynecological

Cardiac

Musculoskeletal system

– Breast reconstruction – Breast reduction

– Hysterectomy – Myomectomy

– Angioplasty – Cardiac catheterization

Digestive

– Exploratory laparoscopy – Laparoscopic appendectomy – Laparoscopic cholecystectomy

Ear, nose, throat, mouth – Ethmoidectomy – Mastoidectomy – Septoplasty – Stapedectomy – Tympanoplasty

– Arthroscopic knee surgery with meniscectomy (knee cartilage repair) – Arthroscopic shoulder surgery – Clavicle resection – Dislocations (open reduction with internal fixation) – Fracture (open reduction with internal fixation) – Removal or implantation of cartilage – Tendon/ligament repair

Thyroid

– Excision of a mass

Urologic

Eye

– Cataract surgery – Corneal surgery (penetrating keratoplasty) – Glaucoma surgery (trabeculectomy)

– Lithotripsy

– Vitrectomy

THIS POLICY PROVIDES LIMITED BENEFITS.

EXCLUSIONS

ColonialLife.com

We will not pay benefits for injuries received in accidents or for sicknesses which are caused by: (a) alcoholism or drug addiction, (b) dental procedures, (c) elective procedures and cosmetic surgery, (d) felonies or illegal occupations, (e) pregnancy of a dependent child, (f) psychiatric or psychological conditions, (g) suicide or injuries which any covered person intentionally does to himself or herself, or (h) war. We will not pay benefits for hospital confinement (i) due to giving birth within the first nine months after the effective date of the policy or (j) for a newborn who is neither injured nor sick. (k) The policy may have additional exclusions and limitations which may affect any benefits payable.

PRE-EXISTING CONDITION LIMITATION

(l) We will not pay benefits for loss during the first 12 months after the effective date due to a pre-existing condition. (m) A pre-existing condition is a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within the 12 months before the effective date of the policy. (n) This limitation applies to the following benefits, if applicable: Hospital Confinement, Daily Hospital Confinement, Enhanced Intensive Care Unit Confinement and Rehabilitation Unit Confinement. This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. Applicable to policy form IMB7000 (including state abbreviations where used, for example: IMB7000TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company. This form is not complete without form #562973. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2021 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

1-21 | 562942

Hospital Confinement Indemnity Insurance Exclusions and Limitations STATE-SPECIFIC EXCLUSIONS

AK: (a) Replaced by intoxicants and narcotics CA: (a) Replaced by intoxicants or controlled substances; (c) Replaced by cosmetic surgery CT: (a) Replaced by intoxication or drug addiction; (d) Replaced by felonies; (e) Exclusion does not apply DE: (a) Exclusion does not apply IL: (a) Replaced by alcoholism, intoxication, or drug addiction; (e) Exclusion does not apply; (g) Exclusion does not apply KS: (a) Replaced by intoxicants and narcotics; (f) Exclusion does not apply; (h) Replaced by war or armed conflict; (i) Exclusion does not apply; (j) or requires necessary care and treatment of medically diagnosed congenital defects, birth abnormalities or routine and necessary immunizations KY: (a) Replaced by intoxicants, narcotics and hallucinogenics LA: (a) Replaced by intoxicants and narcotics MN: (a) Replaced by narcotic addiction; (e) Exclusion does not apply; (g) Exclusion does not apply MO: (a) Replaced by drug addiction NC: (i) Exclusion does not apply OR: (a) Exclusion does not apply; (d) Replaced by felony; (i) Replace “nine months” with “six months” SC: (f) Replaced by mental or emotional disorders SD: (a) Exclusion does not apply TN: (a) Replaced by intoxicants and narcotics; (e) Exclusion does not apply TX: (a) Replaced by intoxicants and narcotics WA: (a) Only sicknesses caused by alcoholism or drug addiction are excluded, not accidents

STATE-SPECIFIC PRE-EXISTING CONDITION LIMITATIONS

NV, WY: (m) applies within the six months before the policy effective date. CT: (m) Pre-existing Condition means having a sickness or physical condition for which any covered person was treated, received medical advice or had taken medication within 12 months before the effective date of this policy. FL: (m) Pre-existing Condition means any covered person having a sickness or physical condition that during the 12 months immediately preceding the effective date of this policy had manifested itself in such a manner as would cause an ordinarily prudent person to seek medical advice, diagnosis, care, or treatment or for which medical advice, diagnosis, care, or treatment was recommended or received. Routine follow-up care during the 12 months immediately preceding the effective date of this policy to determine whether a breast cancer has recurred in a covered person who has been previously determined to be free of breast cancer does not constitute medical advice, diagnosis, care, or treatment for purposes of determining pre-existing conditions, unless evidence of breast cancer is found during or as a result of the follow-up care. GA: (m) Pre-existing Condition means having a sickness or physical condition for which any covered person was treated, had medical testing, received medical advice or had taken prescription medication within 12 months before the effective date of this policy. IL: (m) Pre-existing Condition means having a sickness or physical condition for which any covered person was diagnosed, treated, had medical testing by a legally qualified physician, or received medical advice or had taken medication within 12 months prior to the effective date of this policy. ME: (m) Pre-existing Condition means having a sickness or physical condition for which any covered person was treated, had medical testing, or received medical advice within 12 months before the effective date of this policy. NC: (m) Pre-existing Condition means having those conditions whether diagnosed or not, for which any covered person received medical advice, diagnosis, care or treatment was received or recommended within one-year period immediately preceding the effective date of this policy. If you are 65 or older when this policy is issued, pre-existing conditions will include only conditions specifically eliminated by rider. OR: Pre-existing Condition means having a sickness or physical condition for which any covered person was diagnosed, received treatment, care or medical advice within the 6-month period immediately preceding the effective date of this policy.

This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benefits payable. Applicable to policy form IMB7000 (including state abbreviations where used, for example: IMB7000-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company. This form is not complete without base form 562880, 562911, or 562942. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2021 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

IMB7000 – EXCLUSIONS AND LIMITATIONS | 1-21 | 562973

Hospital Confinement Indemnity Insurance Health Screening Individual Medical BridgeSM insurance’s health screening benefit can help pay for health and wellness tests you have each year.

Health screening .............................................................................. $_____________ Payable once per covered person per calendar year; subject to a 30-day waiting period.

Blood test for triglycerides Bone marrow testing Breast ultrasound CA 15-3 (blood test for breast cancer) CA 125 (blood test for ovarian cancer) CEA (blood test for colon cancer) Carotid Doppler

Serum protein electrophoresis (blood test for myeloma) Skin cancer biopsy Stress test on a bicycle or treadmill Thermography ThinPrep pap test Virtual colonoscopy

Chest X-ray Colonoscopy Echocardiogram (ECHO) Electrocardiogram (EKG, ECG) Fasting blood glucose test Flexible sigmoidoscopy

For more information, talk with your benefits counselor.

Hemoccult stool analysis Mammography Pap smear PSA (blood test for prostate cancer) Serum cholesterol test for HDL and LDL levels

ColonialLife.com MO & ND: Waiting period does not apply THIS POLICY PROVIDES LIMITED BENEFITS. This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. Applicable to policy form IMB7000 (including state abbreviations where used, for example: IMB7000-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2021 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

IMB7000 – HEALTH SCREENING BENEFIT | 1-21 | 101579-4

Hospital Confinement Indemnity Insurance Medical Treatment Package The medical treatment package for Individual Medical BridgeSM coverage can help pay for deductibles, co-payments and other out-of-pocket expenses related to a covered accident or covered sickness.

The medical treatment package paired with Plan 3 provides the following benefits: Air ambulance ............................................................................................. $1,000 Maximum of one benefit per covered person per calendar year

Ambulance .................................................................................................... $100 Maximum of one benefit per covered person per calendar year

Appliance ...................................................................................................... $100 Maximum of one benefit per covered person per calendar year

Doctor’s office visit ................................................................................... $25 per visit Maximum of three visits per calendar year for named insured coverage or maximum of five visits per calendar year for all covered persons combined

Emergency room visit ............................................................................. $100 per visit

For more information, talk with your benefits counselor.

Maximum of two visits per covered person per calendar year

X-ray ................................................................................................ $25 per benefit Maximum of two benefits per covered person per calendar year

THIS POLICY PROVIDES LIMITED BENEFITS. EXCLUSIONS

ColonialLife.com

We will not pay benefits for losses which are caused by: alcoholism or drug addiction, dental procedures, elective procedures and cosmetic surgery, felonies or illegal occupations, pregnancy of a dependent child, mental or emotional disorders, suicide or injuries which any covered person intentionally does to himself or herself, or war. This information is not intended to be a complete description of the insurance coverage available. The insurance has exclusions and limitations which may affect any benefits payable. Applicable to policy form IMB7000-SC. For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC. © 2021 Colonial Life & Accident Insurance Company. All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. IMB7000-MEDICAL TREATMENT PACKAGE SOUTH CAROLINA EDUCATORS | 3-21 | NS-15014-SC

Hospital Confinement Indemnity Insurance Optional Riders Individual Medical BridgeSM offers two optional benefit riders – the daily hospital confinement rider and the enhanced intensive care unit confinement rider. For an additional cost, these riders can help provide extra financial protection to help with out-of-pocket medical expenses.

Daily hospital confinement rider ................................................................. $100 per day Per covered person per day of hospital confinement Maximum of 365 days per covered person per confinement

Enhanced intensive care unit confinement rider .............................................. $500 per day Per covered person per day of intensive care unit confinement Maximum of 30 days per covered person per confinement

Re-confinement for the same or related condition within 90 days of discharge is considered a continuation of a previous confinement.

For more information, talk with your benefits counselor.

THIS POLICY PROVIDES LIMITED BENEFITS.

ColonialLife.com

This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. Applicable to policy form IMB7000 and rider forms R-DHC7000 and R-EIC7000 (including state abbreviations where used, for example: IMB7000-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company. This form is not complete without a base form (101576, 101578, 101581, 562880, 562911 or 562942). Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2021 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. IMB7000 – DAILY HOSPITAL CONFINEMENT AND ENHANCED INTENSIVE CARE UNIT CONFINEMENT RIDERS | 1-21 | 101582-5

MEDICAL BRIDGE BENEFIT PREMIUMS INDIVIDUAL MEDICAL BRIDGE Plan 1 Named Insured

Hospital Confinement Medical Treatment Pkg $100 Health Screening

Level 2

Level 3

$1,000.00

$1,500.00

$19.30 $24.10 $30.60 $39.55

$24.60 $31.40 $40.65 $52.95

Pay Premium Ages 17-49 Ages 50-59 Ages 60-64 Ages 65-75

12-Pay Premium 12-Pay Premium 12-Pay Premium 12-Pay Premium

INDIVIDUAL MEDICAL BRIDGE Plan 3 Named Insured Level 3

Level 4

Hospital Confinement Medical Treatment Pkg $100 Health Screening

$1,500.00

$2,000.00

Outpatient Surgical Procedure

Option 2 Tier 1 $750 Tier 2 $1,500 CY Max $2,500

$45.00 $57.70 $71.90 $89.25

$52.50 $68.00 $85.75 $107.85

Ages 17-49 Ages 50-59 Ages 60-64 Ages 65-75

Pay Premium 12-Pay Premium 12-Pay Premium 12-Pay Premium 12-Pay Premium

Sample rates only. Multiple choices and options available and rates may vary.

Click on the video below to learn more about Whole Life Insurance!

WHOLE LIFE INSURANCE

Whole Life Plus Insurance*

You can’t predict your family’s future, but you can prepare for it.

Advantages of Whole Life Plus insurance

Help give your family more peace of mind and coverage for final expenses with Colonial Life Individual Whole Life Plus insurance.

• Permanent life insurance coverage that stays the same through the life of the policy

Benefits and features Choose the age when your premium payments end — Paid-Up at Age 70 or Paid-Up at Age 100 Stand-alone spouse policy available even without buying a policy for yourself

• Premiums will not increase due to changes in health or age.

Ability to keep the policy if you change jobs or retire

• Accumulates cash value based on a nonforfeiture interest rate of 3.75%2

Built-in terminal illness accelerated death benefit that provides up to 75% of the policy’s death benefit (up to $150,000) if you’re diagnosed with a terminal illness1

• Policy loans available, which can be used for emergencies

Immediate $3,000 claim payment that can help your designated beneficiary pay for funeral costs or other expenses

• Benefit for the beneficiary that is typically tax-free

Provides cash surrender value at age 100 (when the policy endows)

Additional coverage options Spouse term rider Cover your spouse with a death benefit up to $50,000, for 10 or 20 years.

Juvenile Whole Life Plus policy Purchase a policy (Paid-Up at Age 70) while children are young and premiums are low — whether or not you buy a policy for yourself. You may also increase the coverage when the child is 18, 21 and 24 without proof of good health.

Children’s term rider

Your cost will vary based on the amount of coverage you select.

You may purchase up to $20,000 in term life insurance coverage for all of your eligible dependent children and pay one premium. The children’s term rider may be added to either your policy or your spouse’s policy — not both. 65

WHOLE LIFE PLUS (IWL5000)

Benefits worksheet

Additional coverage options (Continued)

For use with your benefits counselor

Accidental death benefit rider

How much coverage do you need?

An additional benefit may be payable if the covered person dies as a result of an accident before age 70, and doubles if the injury occurs while riding as a farepaying passenger using public transportation. An additional 25% is payable if the injury occurs while driving or riding in a private passenger vehicle and wearing a seatbelt.

 YOU $_______________________ Select the option:

 Paid-Up at Age 70  Paid-Up at Age 100  SPOUSE $ __________________ Select the option:

 Paid-Up at Age 70  Paid-Up at Age 100  DEPENDENT STUDENT

$ ____________________________ Select the option:

 Paid-Up at Age 70  Paid-Up at Age 100 Select any optional riders:

 Spouse term rider

Critical illness accelerated death benefit rider If you suffer a heart attack, stroke or end-stage renal (kidney) failure, a $5,000 benefit is payable.1 A subsequent diagnosis benefit is included.

Guaranteed purchase option rider This rider allows you to purchase additional whole life coverage — without having to answer health questions — at three different points in the future. The rider may only be added if you are age 50 or younger when you purchase the policy. You may purchase up to your initial face amount, not to exceed a total combined maximum of $100,000 for all options.

Waiver of premium benefit rider Policy and rider premiums are waived if you become totally disabled before the policy anniversary following your 65th birthday and you satisfy the six-month elimination period. Once you are no longer disabled, premiums will resume.

$ _____________face amount for _________-year term period

 Children’s term rider

$ ______________ face amount

 Accidental death benefit rider  Critical illness accelerated death benefit rider

 Guaranteed purchase option rider

 Waiver of premium benefit rider

* Whole Life Plus is a marketing name of the insurance policy filed as “Whole Life Insurance” in most states. 1 Any payout would reduce the death benefit. Benefits may be taxable as income. Individuals should consult with their legal or tax counsel when deciding to apply for accelerated benefits. 2 Accessing the accumulated cash value reduces the death benefit by the amount accessed, unless the loan is repaid. Cash value will be reduced by any outstanding loans against the policy. This life insurance does not specifically cover funeral goods or services and may not cover the entire cost of your funeral at the time of your death. The beneficiary of this life insurance may use the proceeds for any purpose, unless otherwise directed.

To learn more, talk with your benefits counselor.

EXCLUSIONS AND LIMITATIONS: If the insured dies by suicide, whether sane or insane, within two years (one year in ND) from the coverage effective date or the date of reinstatement, we will not pay the death benefit. We will terminate this policy and return the premiums paid without interest, minus any loans and loan interest to you. This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. Applicable to policy forms ICC19-IWL5000-70/ IWL5000-70, ICC19-IWL5000-100/IWL5000-100, ICC19-IWL5000J/IWL5000J and rider forms ICC23IWL5000-LTC/IWL5000-LTC, ICC19-R-IWL5000-STR/R-IWL5000-STR, ICC19-R-IWL5000-CTR/RIWL5000-CTR, ICC19-R-IWL5000-WP/R-IWL5000-WP, ICC19-R-IWL5000-ACCD/R-IWL5000-ACCD, ICC19-R-IWL5000-CI/R-IWL5000-CI, ICC19-R-IWL5000-CC/R-IWL5000-CC, ICC19-R-IWL5000GPO/R-IWL5000-GPO (including state abbreviations where applicable). For cost and complete details of the coverage, call or write your Colonial Life benefits counselor or the company. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC. © 2023 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

ColonialLife.com

FOR EMPLOYEES

8-23 | 642298-2

WHOLE LIFE INSURANCE PREMIUMS Adult Base Plan Paid-up to Age 70 Non-Tobacco Rates Issue Age 25 30 35 40 45 50

Pay Premium

$10,000.00

$25,000.00

$50,000.00

$100,000.00

$150,000.00

12-Pay Premium 12-Pay Premium 12-Pay Premium 12-Pay Premium 12-Pay Premium 12-Pay Premium

$9.34 $11.00 $13.52 $16.95 $22.41 $31.18

$23.35 $27.52 $33.79 $42.38 $56.02 $77.96

$46.71 $55.04 $67.58 $84.75 $112.04 $155.92

$93.42 $110.08 $135.17 $169.50 $224.08 $311.83

$140.13 $165.13 $202.75 $254.25 $336.13 $467.75

$100,000.00 $86.00 $99.00 $117.17 $141.50 $178.25 $229.50 $307.33 $411.83

$150,000.00 $129.00 $148.50 $175.75 $212.25 $267.38 $344.25 $461.00 $617.75

Adult Base Plan Paid-up to Age 100 Non-Tobacco Rates Issue Age 25 30 35 40 45 50 55 60

Pay Premium 12-Pay Premium 12-Pay Premium 12-Pay Premium 12-Pay Premium 12-Pay Premium 12-Pay Premium 12-Pay Premium 12-Pay Premium

$10,000.00 $8.60 $9.90 $11.72 $14.15 $17.83 $22.95 $30.73 $41.18

$25,000.00 $21.50 $24.75 $29.29 $35.38 $44.56 $57.38 $76.83 $102.96

$50,000.00 $43.00 $49.50 $58.58 $70.75 $89.13 $114.75 $153.67 $205.92

Sample rates only. Multiple choices and options available and rates may vary.

Click on the video below to learn more about Pet Insurance!

PET INSURANCE

Nationwide®

My Pet Protection Choice

PLAN SUMMARY Pet-loving employees can fetch the best health coverage for their pets with My Pet Protection Choice , available only through workplace benefit programs. SM

Nationwide offers two ready-made employee plans, plus the ability to customize a coverage plan for individual pets and their specific care needs.¹

My Pet Protection Choice

Accident & Illness

Accident, Illness & Wellness

Customizable

Annual deductible options

$250

$100 to $500

Reimbursement level

80%

50%, 70% or 80%

$5,000

$2,500 or $5,000

Accident coverage Annual maximum Broken bones, animal attack, hit by car, poisoning, heatstroke, and more

Illness coverage Annual maximum

Optional $5,000

$5,000

$2,500 or $5,000

Ear infections, diabetes, vomiting, allergies, cancer, and more Optional when purchased with illness coverage

Hereditary & congenital coverage Annual maximum

$5,000

$2,500 or $5,000

Hip dysplasia, cherry eye, elbow dysplasia, umbilical hernia, brachycephalic syndrome, and more

Wellness coverage (for dogs & cats)

Optional

Annual maximum

$450

$450 or $800

Vaccination or titer, fecal test, deworming, microchip, health certificate, heartworm or FeLV/FIV test, flea control or heartworm prevention, and more Spay/neuter or dental² and one additional test3

Quotes/Enrollment: https://partnersolutions.nationwide.com/pet/cloverk12 | 877-738-7874

What makes My Pet Protection Choice different? SM

Every My Pet Protection ChoiceSM policy includes guaranteed issuance,4 plus additional benefits to support pet families: • Emergency boarding and kenneling fees • Lost pet due to theft or straying • Lost pet advertising and reward • Mortality benefit

Nationwide is the industry’s first provider of coverage for birds and exotic pets.

Nationwide offers more than great coverage

24/7 pet telehealth support

Save on veterinary care

All Nationwide® pet insurance members enjoy unlimited access to VetHelpline® for round-the-clock telehealth with licensed veterinary professionals.

Nationwide® pet insurance members save 10% on every visit to a Vetco Total Care Hospital or Vetco Vaccination Clinic inside Petco.

Discounted pet medications Vetco Total Care is a fullservice animal hospital that offers everything from preventive care to diagnostics and surgery

Save time and money when filling pet prescriptions at participating pharmacies with Nationwide PetRxExpress®.

Easy to use, easy to understand

Visit any veterinarian, anywhere.

Submit a claim from any device.

Vetco Vaccination Clinic offers express care for vaccinations, flea/tick and heartworm prescriptions and microchipping

Get reimbursed for eligible expenses once the deductible is met.

Quotes/Enrollment: https://partnersolutions.nationwide.com/pet/cloverk12 | 877-738-7874 [1] Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions and any annual limits that may apply. Plans may not be available in all states. Policy eligibility may vary. [2] Coverage for spay/neuter or dental starts 90 days after the original policy term effective date. [3] One additional test of the following: health screen (blood test), radiograph (X-ray), electrocardigram (EKG) [4] Guaranteed issuance means any new pets enrolling into a My Pet Protection Choice plan are eligible for enrollment regardless of health status. Guaranteed issuance does not mean guaranteed coverage since certain exclusions could apply. All plans require accident coverage; additional coverage for illness, hereditary & congenital, and wellness is optional. Optional coverage for behavior, prescription food and prescription supplements may also be available. Optional cruciate coverage may be added after the first year of coverage; not available in all states. Pre-existing conditions are not covered. Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, Nationwide is on your side, My Pet Protection, and VetHelpline are service marks of Nationwide Mutual Insurance Company. Third party marks are the property of their respective owners. ©2025 Nationwide. 24GRP10277N.

Nationwide® pet insurance Frequently asked questions

Do members need to re-enroll for this benefit every year? No. Once enrolled, policies renew automatically each year during the renewal period, which starts 60 days before the current 12-month term expires. The expiration date can be found in the policy packet mailed to members at each new term. Members are welcome to make changes to coverage during the policy renewal period. All changes are subject to underwriting approval. What happens to pet insurance policies when employees leave the company? Employees who leave the company can maintain their pet insurance coverage by updating their payment method at my.petinsurance.com or calling 877-738-7874. Will pre-existing conditions be covered? Unfortunately, no. Like most pet insurers, we don’t cover pre-existing conditions on any of our plans. Can members use any veterinarian? Absolutely! Members are free to visit any licensed veterinarian in the world—even specialists and emergency providers. Does Nationwide offer coverage for pets other than dogs and cats? Yes! Coverage for birds, rabbits, reptiles and other exotic pets is available at Nationwide by simply calling 877-738-7874. How are claims filed? It’s easy. Members simply pay the invoice at the veterinarian, then submit a claim for reimbursement via mail, email or online. • Mail: Nationwide Claims Dept., P.O. Box 183143 Columbus, Ohio 43218-3143 • Email: submitmyclaim@petinsurance.com • Online: Submit claims at my.petinsurance.com. Please allow 48 hours from the time a claim is submitted for it to appear online.

Quotes/Enrollment: https://partnersolutions.nationwide.com/pet/cloverk12 | 877-738-7 [1] Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions and any annual limits that may apply. Plans may not be available in all states. Policy eligibility may vary. [2] Example reflects Accident and Illness coverage with 80% reimbursement after $250 annual deductible has been fulfilled and Wellness Level 1 coverage. Most plans require accident coverage; additional coverage for illness, hereditary & congenital, and wellness is optional. Optional coverage for behavior, prescription food and prescription supplements may also be available. Optional cruciate coverage may be added after the first year of coverage; not available in all states. Pre-existing conditions are not covered. Insurance products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, Nationwide is on your side, and My Pet Protection are service marks of Nationwide Mutual Insurance Company. Third party marks are the property of their respective owners. ©2026 Nationwide. 26GRP10808.

Nationwide

Nationwide®

My Pet Protection Choice®

How is My Pet Protection Choice® different from My Pet Protection®? Available only through workplace benefit programs, My Pet Protection Choice offers additional flexibility for pet families, with customizable coverage, deductible and reimbursement levels. Nationwide offers two ready-made employee plans, plus the ability to customize a coverage plan for individual pets and their specific care needs.¹

Based on Nationwide 2024 claims data.

Frequently asked questions

Accident

Illness

Wellness

• Broken bones

• Ear infections

• Annual exam

• Poisonings

• Vomiting

• Vaccinations

• Sprains

• Hip dysplasia

• Fecal test

• Lacerations

• Heart disease

• Deworming

• Hit by car

• Cancer

• Microchip

• Ingested item

• Diabetes

• Flea control

• And more

Poisoning

Cancer

Flea control

Veterinary bill: $1,035

Veterinary bill: $2,266

Veterinary bill: $171

This plan² reimburses

$828

$1,813

$100

What is the difference between accident, illness and wellness coverage? Accident coverage: Support for unexpected injuries such as broken bones, animal attacks, getting hit by a car, poisoning, heatstroke and more. Illness coverage: Support for when pets get sick such as diabetes, vomiting, cancer and more. Wellness coverage: Support for proactive care such as vaccinations, microchipping, preventives for fleas and heartworms and more. Can existing My Pet Protection members switch to My Pet Protection Choice? Members can make changes to their coverage during the policy renewal period. All changes are subject to underwriting approval. Please note that all My Pet Protection policies will be automatically transitioned to equivalent My Pet Protection Choice policies beginning in 2025. Is wellness coverage available as a standalone product? No, Nationwide does not offer standalone wellness coverage. Members can enroll in a new My Pet Protection Choice accident + wellness plan or change to this plan during the renewal period. Any changes to a policy are subject to underwriting approval.

72 Quotes/Enrollment: https://partnersolutions.nationwide.com/pet/cloverk12 | 877-738-

Nationwide® is America’s first insurance provider for birds and exotic pets

Owners of birds, reptiles, and exotic pets can be reimbursed for eligible veterinary expenses with coverage from My Pet Protection ChoiceSM by Nationwide®.¹ Coverage available for: • Amphibians

• Iguanas

• Birds

• Lizards

• Chameleons

• Mice

• Chinchillas

• Rats

• Ferrets

• Rabbits

• Geckos

• Snakes

• Gerbils

• Tortoises

• Guinea pigs

• Turtles

• Hamsters

• And more

Call 877-738-7874 to learn about avian and exotic pet coverage from Nationwide

Coverage for common avian and exotic medical conditions

My Pet Protection Choice

Accident & Illness

Accident, Illness & Wellness

Customizable

Annual deductible options

$250

$100 to $500

Reimbursement level

80%

50%, 70% or 80%

$5,000

$2,500 or $5,000

Accident coverage Annual maximum Broken bones, animal attack, hit by car, poisoning, heatstroke, and more

Illness coverage Annual maximum

Optional $5,000

$5,000

$2,500 or $5,000

Ear infections, diabetes, vomiting, allergies, cancer, and more

Wellness coverage (for birds)

Optional

Annual maximum

$200, $300 or $500

Panel or titer, parasite/fecal test, CBC, culture, parasite prevention treatment, beak trim, nail trim, wing trim and more

Here’s an example: Oreo, a 9-year-old male rabbit, was brought to the veterinarian after several days of abdominal pain, lethargy and loss of appetite.

Nationwide reimbursed

2,156²

He was diagnosed with an intestinal obstruction.

Veterinary bill: $3,330 Owner’s net cost: $1,174 (after $250 annual deductible and co-pay)

Call 877-738-7874 to learn about avian and exotic pet coverage from Nationwide [1] Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions and any annual limits that may apply. Plans may not be available in all states. Policy eligibility may vary. [2] This example is based on an actual pet insurance claims from a Nationwide member who was enrolled prior to the introduction of the new Avian & Exotic Pet plan. Their claim was reimbursed according to the plan in which the respective member was enrolled at the time. Amount shown here reflects how reimbursement would be calculated with the Avian & Exotic pet plan with a 70% reimbursement and a $250 annual deductible not met on prior claims. Nationwide does not determine the amount a veterinarian may charge; that amount will vary by region and veterinary practice. All plans require accident coverage; additional coverage for illness, hereditary & congenital, and wellness is optional. Optional coverage for behavior, prescription food and prescription supplements may also be available. Optional cruciate coverage may be added after the first year of coverage; not available in all states. Pre-existing conditions are not covered. Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, Nationwide is on your side, and My Pet Protection are service marks of Nationwide Mutual Insurance Company. ©2025 Nationwide. 24GRP10277M.

How to apply for a pet insurance policy Nationwide® pet insurance provides coverage for veterinary expenses related to accidents, illnesses, wellness and more.¹ Policies are available for dogs, cats, birds, reptiles and other exotic pets.

Signing up for Nationwide pet insurance is easy with these options:

Quotes/Enrollment: https://partnersolutions.nationwide.com/pet/cloverk12 | 877-738-7874

During enrollment, we may need the following information: • Name • Address • Home or primary telephone number • E-mail address • Name and age of the pet(s) • Pet’s species (canine, feline, etc.) • Payment information/plan* *Applications approved between the 1st and the 15th of the month become effective on the 1st of the following month. Applications approved from the 16th through the end of the month become effective on the 1st of not the following month, but the month thereafter. Example: May 1 approval = June 1 effective date May 16 approval = July 1 effective date

[1] Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions and any annual limits that may apply. Plans may not be available in all states. Policy eligibility may vary. Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2025 Nationwide. 24GRP10277I.

Nationwide®

PetRxExpress℠ Save time and money when filling pet prescriptions at participating pharmacies with Nationwide® PetRxExpress℠. For no extra cost, members get discounts on pet prescriptions, while enjoying the effortless convenience of automatic claim submission.

Get prescription pet meds for less • Program available to all active Nationwide pet insurance members • Receive discounted pricing on medications • No additional cost to use

How it works Using Nationwide® PetRxExpress℠ is easy and convenient for Nationwide pet insurance members. 1. Download a digital pet insurance card at my.petinsurance.com. 2. Take a prescription to any participating pharmacy location, or have the veterinarian call it in. 3. Show your pet insurance card at checkout to have your discount applied.

Quotes/Enrollment: https://partnersolutions.nationwide.com/pet/cloverk12 | 877-738-7874

Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, Nationwide is on your side, VetHelpline® and Nationwide PetRxExpress℠ are service marks of Nationwide Mutual Insurance Company. Third party marks are the property of their respective owners. ©2024 Nationwide. 23GRP9695H

When it comes to your pet’s health, no concern is too big or too small.

Friendly, expert advice

How it works

With VetHelpline®, Nationwide® pet insurance members get unlimited 24/7 video chat guidance from licensed veterinary professionals at no additional cost.

Nationwide pet insurance members can start using this service once their policy is in effect— there’s no sign up or extra enrollment required. 1. Download the app

Get expert advice on emergency triage, health and wellness, continued care and more—no pet carrier, no car ride, no worries. Download the VetHelpline app from the App Store or Google Play.

2. Retrieve your pet information 3. Connect with our vet team 4. Talk to a professional

is available as a service to all Nationwide pet insurance members.

Quotes/Enrollment: https://partnersolutions.nationwide.com/pet/cloverk12 | 877-738-7874

VetHelpline® is not a substitute for a visit to your primary veterinarian. Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, Nationwide is on your side, VetHelpline® and Nationwide PetRxExpress℠ are service marks of Nationwide Mutual Insurance Company. Third party marks are the property of their respective owners. ©2024 Nationwide 23GRP9695G

petco veterinary services

Save on veterinary care Nationwide® pet insurance members save on every visit to a participating Vetco Total Care Hospital or Vetco Vaccination Clinic inside Petco.*

Vetco total care

Vetco vaccination clinic

Full-service animal hospital providing everything from preventive care to diagnostics and surgery. Sameday appointments often available for pets needing immediate care. Express preventive care including vaccinations, flea/ tick & heartworm prevention and microchipping. Appointments are convenient, with most only taking 5-10 minutes including a courtesy wellness check.

Saving on care for pets at Petco is easy Nationwide pet insurance members are 3 steps away from savings: 1. Mention Nationwide pet insurance policy to reception at the appointment 2. Provide a pet insurance policy number (find it at my.petinsurance.com) 3. Get 10% off! Best of all, Nationwide members who haven’t visited a Vetco Total Care hospital before can get their first visit free with this coupon.

Quotes/Enrollment: https://partnersolutions.nationwide.com/pet/cloverk12 | 877-738-7 *All offers can be used at the same appointment. 10% discount is not valid at the following Vetco Total Care locations in Florida: Deerfield Beach, Pembroke Pines, Oakland Park, Coral Springs, Boca Raton, Homestead, Miami, Fort Myers, Sarasota, Stuart, Palm Beach Gardens & Port St. Lucie. Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions and any annual limits that may apply. Plans may not be available in all states. Policy eligibility may vary.

Nationwide is on

Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. Third party marks are the property of their respective owners. ©2025 Nationwide. 24GRP10277X.

your side

Colonial Life for Policyholders Portal A faster, simpler way to manage your beneﬁts

THE PORTAL OFFERS YOU: Faster service than calling/emailing Conﬁrmation when a claim has been submitted

Colonial Life for Policyholders is an online portal created with you in mind. It’s the most convenient and efficient way to ﬁle a claim and manage your beneﬁts.

Here’s what you can do on Colonial Life for Policyholders:

Simpliﬁed bill payment and management Answers to frequently asked questions and live chat assistance if you don’t see what you are looking for.

LEARN MORE Find out how simple your claims and beneﬁts experience can be by learning more about the Colonial Life for Policyholders portal. Just visit ColonialLife.com to see what this online account administration platform can do for you.

File claims with a simple, guided form

Set up direct deposit for approved payments

View claim status or policy details anytime

Opt for instant alerts by email or text

Update your personal info & preferences

BECOME A MEMBER TODAY: 1

Go to ColonialLife.com/access to register.

Click “create an account”, ﬁll out the required information and click Submit.

Enjoy faster service and improved beneﬁts awareness.

NEED TO FILE A CLAIM? Filing online means never waiting for mail or dealing with fax machines and complex paper forms . Our guided question wizard walks you through the process and checks for missing information that could cause delays. Opting for direct deposit can also get approved payments to you up to a week faster than paper check.

AFTER YOU FILE: Check your claim status by logging into your account at ColonialLife.com/access. You can also sign up for text or email alerts so you know instantly if status changes or more information is needed. For your convenience, you can login anytime with a mobile device to photograph and upload documents with your camera.

Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC. ©2022 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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Authorization for Colonial Life & Accident Insurance Company For the purpose of evaluating my application(s) for insurance submitted during the current enrollment and eligibility for benefits under any insurance issued including checking for and resolving any issues that may arise regarding incomplete or incorrect information on my application(s), I hereby authorize the disclosure of the following information about me and, if applicable, my dependents, from the sources listed below to Colonial Life & Accident Insurance Company (Colonial) and its duly authorized representatives. Health information may be disclosed by any health care provider or institution, health plan or health care clearinghouse that has any records or knowledge about me including prescription drug database or pharmacy benefit manager, or ambulance or other medical transport service. Health information may also be disclosed by any insurance company, Medicare or Medicaid agencies or the Medical Information Bureau (MIB). Health information includes my entire medical record, but does not include psychotherapy notes. Non-health information including earnings or employment history deemed appropriate by Colonial to evaluate my application may be disclosed by any person or organization that has these records about me, including my employer, employer representative and compensation sources, insurance company, financial institution or governmental entities including departments of public safety and motor vehicle departments. Any information Colonial obtains pursuant to this authorization will be used for the purpose of evaluating my application(s) for insurance or eligibility for benefits. Some information obtained may not be protected by certain federal regulations governing the privacy of health information, but the information is protected by state privacy laws and other applicable laws. Colonial will not disclose the information unless permitted or required by those laws. This authorization is valid for two (2) years from its execution and a copy is as valid as the original. A copy will be included with my contract(s) and I or my authorized representative may request access to this information. This authorization may be revoked by me or my authorized representative at any time except to the extent Colonial has relied on the authorization prior to notice of revocation or has a legal right to contest coverage under the contract(s) or the contract itself. If revoked, Colonial may not be able to evaluate my application(s) for insurance or eligibility for benefits as necessary to issue my contract(s). I may revoke this authorization by sending written notice to: Colonial Life & Accident Insurance Company, Underwriting Department, P.O. Box 1365, Columbia, SC 29202. You may refuse to sign this form; however, Colonial may not be able to issue your coverage. I am the individual to whom this authorization applies or that person’s legal Guardian, Power of Attorney Designee, or Conservator. ________________________ (Printed name of individual subject to this disclosure)

_____________ (Social Security Number)

___________________ (Signature)

__________________ (Date Signed)

If applicable, I signed on behalf of the proposed insured as __________________________ (indicate relationship). If legal Guardian, Power or Attorney Designee, or Conservator.

________________________________ (Printed name of legal representative)

_____________________________ (Signature of legal representative)

___________ (Date Signed)

PRIVACY NOTICES Non Public Information (NPI) We collect Non Public Information (NPI) about our customers to provide them with insurance products and services. This may include telephone number, address, date of birth, occupation, income and health history. We may receive NPI from your applications and forms. medical providers, other insurers, employers, insurance support organizations, and service providers. We share the types of NPI described above primarily with people who perform insurance, business, and professional services for us, such as helping us pay claims and detect fraud. We may share NPI with medical providers for insurance and treatment purposes. We may share NPI with an insurance support organization. The organization may retain the NPI and disclose it to others for whom it performs services. In certain cases, we may share NPI with group policy holders for reporting and auditing purposes. We may share NPI with parties to a proposed or final sale of insurance business or for study purposes. We may also share NPI when otherwise required or permitted by law, such as sharing with governmental or other legal authorities. When legal necessary, we ask your permission before sharing NPI about you our practices apply to our former, current and future customers. Please be assured we do not share your health NPI to market any product or service. We also do not share any NPI to market non financial products and services. For example, we do not sell your name to catalog companies. The law allows us to share NPI as described above (except health information) will affiliates to market financial products and services. The law does not allow you to restrict these disclosures. We may also share with companies that help us market our insurance products and services, such as vendors that provide mailing services to us. We may share with other financial institution to jointly market financial products and services. When required by law, we ask your permission before we share NPI for marketing purposes. When other companies help us conduct business, we expect them to follow applicable privacy laws. We do not authorize them to use or share NPI except when necessary to conduct the work they are performing for us or to meet regulatory or other governmental requirements.

Our affiliated companies, including insurers and insurance service providers, may share NPI about you with each other. The NPI might not be directly related to our transaction or experience with you. It may include financial or other personal information such as employment history. Consistent with the Fair Credit Reporting Act, we ask your permission before sharing NPI that is not directly related to our transaction or experience with you. We have physical, electronic and procedural safeguards that protect the confidentiality and security of NPI. We give access only to employees who need to know the NPI to provide insurance products or services to you. You may request access to certain NPI we collect to provide you with insurance products and services, You must make your request in writing and send it to the address, telephone number and policy number if we have issued a policy. If you request, we will send copies of the NPI to you. If the NPI includes health information, we may provide the health information to you through a health care provider you designate. We will also send you information related to disclosures. We may charge a reasonable fee to cover our copying costs. This section applies to NPI we collect tor provide you with coverage. It does not apply to NPI we collect in anticipation of a claim or civil or criminal proceeding.

in our files. We will file your statement with the disputed NPI. We will include your statement any time we disclose the disputed NPI. We will also give the statement to any person designated by your if we may have disclosed the disputed NPI to that person int he past two years.

Disclosure Notice Concerning The Medical Information Bureau Information regarding your insurability will be treated as confidential. Colonial or its reinsure(s) may, however, make a brief report thereon to the Medical Information Bureau, a nonprofit membership organization of life insurance companies which operates an information exchange on behalf of its members. If you apply to another Bureau member company for life or health insurance coverage, or a claim for benefits is submitted to such company, the Bureau, upon request, will supply such company with the information in its file.

Upon receipt of a request from you, the Bureau will arrange disclosure of any information it may have in your file. If you question the accuracy of information in the Bureau’s file, you may contact the Bureau and seek a correction in accordance with the procedure set forth in the federal Fair If you believe NPI we have about you Credit Reporting Act. The address of is incorrect, please write us. Your letter the Bureau’s information office is: 50 should include your full name, address, Braintree Hill Park, Suite 400, Braintree, telephone number and policy number if we have issued a policy. Your letter should MA 02184-8734, telephone (617) 4263660. also explain why you believe the NPI is inaccurate. If we agree with you, we will Colonial or its reinsure may also correct the NPI and notify you of the release information in its file to other correction. We will also notify any person who may have received the incorrect NPI life insurance companies to whom you from us in the past two years if you ask us may apply for life or health insurance or to whom a claim for benefits may be to contact that person. submitted. If we disagree with you, we will tell you we are not going to make the correction, We will give the reason(s) for our refusal. We will also tell you that you may submit a statement to us. Your statement should include the NPI you believe is correct. It should also include the reasons(s) why you disagree with our decision not to correct the NPI 81

CONTINUATION OF COVERAGE We are committed to being there for you and your family at every stage of life. Pierce Group Benefits makes it easy to stay protected!

SUPPLEMENTAL/VOLUNTARY POLICIES Your individual supplemental/voluntary policies through Colonial Life are portable! To transfer your benefits from payroll deduction to direct billing or automatic bank draft, please call Employee Services at 833-556-0006 within 30 days of becoming unemployed, switching careers, or retiring.

TRANSFERRING EMPLOYERS? If you are transferring from a current PGB client to another, some benefits may be eligible for transfer. Please call Employee Services at 833-556-0006 for assistance.

ABOUT PIERCE GROUP BENEFITS Pierce Group Benefits is a leading full-service employee benefits administration and consulting agency serving employer groups across the Southeast. By leveraging market strength, exclusive partnerships, and industry expertise, we deliver trusted advice, products, and solutions that benefit employers and employees alike; delivered by one team and driven by one purpose — together we can do more.

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