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EMPLOYEE BENEFITS GUIDE 2026 PLAN YEAR:

JULY 1, 2026 - JUNE 30, 2027

AMHERST COUNTY GOVERNMENT

WWW.PIERCEGROUPBENEFITS.COM

EMPLOYEE SERVICES: 800-387-5955

TABLE OF CONTENTS

EMPLOYEE BENEFITS GUIDE TABLE OF CONTENTS Welcome to Amherst County Government’s comprehensive benefits program. This guide highlights the benefits offered to all eligible employees for the plan year listed below. Benefits described in this guide are voluntary, employee-paid benefits unless otherwise noted.

ENROLLMENT DATES: May 1, 2026 - May 15, 2026 PLAN YEAR & EFFECTIVE DATES: July 1, 2026 - June 30, 2027

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

Important Contact Information............................... 3 Eligibility Requirements......................................... 4 Overview Of Benefits............................................. 5 Important Notices................................................. 6 Mid-Year Events..................................................... 7 Enrollment Information.......................................... 9 Additional Enrollment Information.......................... 10 EE Navigator Enrollment Instructions..................... 13 New Employee Onboarding Guide........................... 15 Health Insurance................................................... 21 Dental Insurance................................................... 27 Vision Insurance.................................................... 28 Dental Insurance (Stand-Alone Policy)................... 33 Vision Insurance (Stand-Alone Policy).................... 36 Health Savings Account......................................... 42 The HSA Store....................................................... 44 Flexible Spending Account..................................... 45 The FSA Store....................................................... 47 Dependent Care Account....................................... 48 Long Term Care Benefits........................................ 50 Cancer Benefits..................................................... 54 Critical Illness Benefits.......................................... 64 Disability Benefits................................................. 75 Accident Benefits.................................................. 81 Medical Bridge Benefits......................................... 93 Term Life Insurance............................................... 101 Whole Life Insurance............................................. 105 Colonial Life Policyholder Service Guide................. 109 Authorization For Colonial Life Insurance Form....... 110 Additional Benefits................................................ 111 Required Health Care Notices................................ 112 COBRA Continuation Of Coverage.......................... 117 Privacy Notices..................................................... 119 Continuation Of Coverage...................................... 120

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

AMHERST COUNTY GOVERNMENT 2026-2027 Benefits Plan

July 1, 2026 - June 30, 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 than those in this guide. Rev: 4/13/2026

IMPORTANT CONTACT INFORMATION Carrier

Phone/Fax

Website

The Local Choice (Health, Dental, Vision)

The Local Choice Anthem

P: 800-552-2682

www.thelocalchoice.virginia.gov

Health Savings Account

Flex Facts

P: 877-943-2287 F: 877-747-8564

www.FlexFacts.com

Flexible Spending Accounts

Flex Facts

P: 877-943-2287 F: 877-747-8564

www.FlexFacts.com

Dental Insurance (Stand Alone Policy)

Ameritas Dental

P: 800-487-5553

www.ameritas.com/sign-in

Vision Insurance (Stand Alone Policy)

Anthem Blue View Vision

P: 866-723-0515 F: 866-293-7373

oonclaims@ eyewearspecialoffers.com

www.anthem.com

Long Term Care Benefits

CHUBB

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

CWBclaimsteam@ chubb.com

chubbworkplacebenefits.com

Employee Navigator Enrollment

EENavigator

www.employeenavigator.com/ benefits/account/login

Custom Benefits Website

Pierce Group Benefits

P: 1-800-387-5955 F: 984-225-2605

service@ piercegroupbenefits.com

www.PierceGroupBenefits.com/ AmherstCountyGovernment

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 coverage for 18-36 months under the COBRA Act. 3

ELIGIBILITY REQUIREMENTS CURRENT EMPLOYEE? ANNUAL ENROLLMENT DATES: May 1, 2026 - May 15, 2026

PLAN YEAR & EFFECTIVE DATES: July 1, 2026 - June 30, 2027

ELIGIBILITY • Full-time employees working an average of 30 hours or more per week are eligible for 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 benefits package. Above you will find eligibility requirements and below you will find information about how to enroll in these benefits as a new employee. New employees working 30+ hours per week are eligible for benefits. Please contact the Amherst County Human Resources department for more information and benefit effective dates. Please refer to the Enrollment Instructions page and the New Hire Onboarding Guide on your client microsite or pages 16 through 21 of your Benefits Guide for more information on how to enroll. 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/AmherstCountyGovernment

OVERVIEW OF BENEFITS PRE – TAX BENEFITS Health Insurance The Local Choice - Anthem

POST – TAX BENEFITS Disability Benefits Colonial Life

- Anthem Health - Delta Dental of VA - Anthem Blue View Vision

Health Savings Account Flex Facts - Individual Maximum: $4,400/year Max -Family Maximum: $8,750/year Max HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP) Amherst County Government contributes $1,500 per year, paid out in monthly installments, to eligible employees accounts.

Flexible Spending Accounts Flex Facts

Critical Illness Benefits Colonial Life

Life Insurance Colonial Life - Term Life Insurance - Whole Life Insurance

Long Term Care Benefits CHUBB

- Medical Reimbursement: $3,400/year Max | $300/year Min - Dependent Care Reimbursement: $7,500/year Max

*You will need to re-enroll in the Flexible Spending Accounts if you want them to continue next year. If you do not re-enroll, your contribution will stop effective June 30, 2026.

Dental Insurance Ameritas Dental (Stand-Alone Policy) Vision Insurance Anthem Blue View Vision (Stand-Alone Policy) Cancer Benefits Colonial Life Accident Benefits Colonial Life Medical Bridge Benefits Colonial Life

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

IMPORTANT NOTICES When do my benefits start? The plan year for Colonial Life Insurance Products, The Local Choice Benefits (Anthem Health, Delta Dental of VA, and Anthem Blue View Vision), Flex Facts Health Savings Accounts, Flex Facts Flexible Spending Accounts, Ameritas Dental (Stand-Alone Policy), Anthem Blue View Vision (Stand-Alone Policy) and CHUBB Long Term Care runs from July 1, 2026, through June 30, 2027. When do my deductions start? Deductions for Colonial Life Insurance Products, The Local Choice Benefits (Anthem Health, Delta Dental of VA, and Anthem Blue View Vision), Flex Facts Health Savings Accounts, Flex Facts Flexible Spending Accounts, Ameritas Dental (Stand-Alone Policy), Anthem Blue View Vision (Stand-Alone Policy) and CHUBB Long Term Care start June 2026 for all enrolled employees. Why have my Medical Bridge benefits not started yet? The Health Screening Rider on the Colonial Medical Bridge plan has a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2026. How do Flexible Spending Account (FSA) funds work, and do my FSA funds have to be used by a specific deadline? Flexible Spending Account expenses must be incurred during the plan year to be eligible for reimbursement. After the plan year ends, an employee has 45 days to submit claims for incurred qualified spending account expenses (or 90 days after employment termination date). If employment is terminated before the plan year ends, the spending account also ends. Failure to use all allotted funds in the FSA account will result in a “Use It or Lose It” scenario. Your plan also includes a rollover provision! This means that if you have money left in your FSA at the end of the plan year, you can carryover up to $680 into the next plan year. Any remaining funds beyond $680 is forfeited under the “Use It or Lose It” rule. My spouse is enrolled in an Health Savings Account (HSA), am I eligible for an FSA? As a married couple, one spouse cannot be enrolled in a Medical Reimbursement FSA at the same time the other opens or contributes to an HSA. How do Dependent Care Account (DCA) funds work and when do they need to be used? Dependent Care Accounts are like FSA accounts and allow you to request reimbursement up to your current balance. However, you cannot receive more reimbursement than what has been deducted from your pay. After the plan year ends, an employee has 45 days to submit claims for incurred qualified dependent care expenses (or 90 days after employment termination date). Any remaining funds in your DCA account must be utilized before the deadline. Failure to use all allotted funds in the DCA account will result in a “Use It or Lose It” scenario. Your plan includes a grace period which is an additional 2.5 months (running July 1, 2027, through September 15, 2027), during which you can incur eligible expenses that can be reimbursed. Therefore, you have from July 1, 2026, through September 15, 2027, to incur qualified expenses eligible for reimbursement. If you do not incur qualified expenses by September 15, 2027, and/or file by September 30, 2027, any contributions are forfeited under the “Use It or Lose It” rule. When will I get my card? If you will be receiving a new debit card, whether you are a new participant or to replace your expired card, please be aware that it may take up to 30 days following your plan effective date for your card to arrive. Your card will be delivered by mail in a plain white envelope. During this time you may use manual claim forms for eligible expenses. Please note that your debit card is good through the expiration date printed on the card. I want to sign my family up for 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 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 (Mid-Year Events), as defined by the Internal Revenue Code. Examples of Mid-Year Events can be found in the chart on the next page. Once a Mid-Year Event has occurred, an employee has 30 days to notify PGB’s VA Employee Services at 1-800387-5955 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. 6

MID-YEAR 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 Mid-Year 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.

Mid-Year 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 800-387-5955.

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

MID-YEAR EVENTS Mid-Year 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 800-387-5955 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 800-387-5955 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

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:

MAY 1, 2026 - MAY 15, 2026 BENEFIT ELECTION OPTIONS YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS DURING THE ANNUAL ENROLLMENT PERIOD: • • • • • • •

Enroll in, change, or cancel The Local Choice benefits (Anthem Health, Delta Dental of VA, and Anthem Blue View Vision). Enroll in, change, or cancel Health Savings Accounts.+ Enroll/Re-Enroll in Flexible Spending Accounts.+ Enroll in, change, or cancel Dental Insurance (Stand-Alone Policy).* Enroll in, change, or cancel Vision Insurance (Stand-Alone Policy).* Enroll in, change, or cancel Long Term Care Benefits. Enroll in, change, or cancel Colonial coverage.

+You will need to re-enroll in the Health Savings Accounts and Flexible Spending Accounts if you want them to continue each year. *The Dental and Vision Stand-Alone Policies are for employees who have waived coverage under the Local Choice (Health, Dental, & Vision) plan. Employees enrolled in the Local Choice plan may not enroll in the Dental or Vision Stand-Alone Policies.

ACCESS YOUR BENEFIT OPTIONS WHENEVER, WHEREVER You can view details about what benefits your employer offers, view educational videos about all of your benefits, download forms, chat with one of our knowledgeable Benefits Representatives, and more on your personalized benefits website. To view your custom benefits website, visit: www.PierceGroupBenefits.com/AmherstCountyGovernment 9

ADDITIONAL ENROLLMENT INFORMATION Additional ENROLLMENT INFORMATION Amherst County off ffeers an excellent benefifitts package which includes the following employer paid and voluntary benefifitts for full-time employees: • • • • • •

Employer subsidized medical, dental and vision insurance Voluntary supplemental health insurance policies through Colonial Life Required participation in the Virginia Retirement System plans and a voluntary deferred Compensation Plan Employer paid life insurance and optional voluntary life insurance through Securian/Minnesota Life Paid Leave Benefits Employee Assistance Plan (EAP) through HealthWorks.

More information is provided about these benefits below and in Employee Navigator. Please call HR at 434-946-9420 if you have any additional questions about employee benefits.

1. MEDICAL INSURANCE Summaries of the Amherst County’s medical, dental and vision plans offered are provided in Employee Navigator. For dependents to be covered, the employee must be on the same plan as the dependents.

MEDICAL PLANS Amherst County offers two different medical plans through Anthem TLC (The Local Choice). Your TLC benefits are all inclusive and include medical, dental and vision coverage. Dental is provided through Delta Dental of Virginia and Vision is through Anthem Blue View Vision. If you enroll in The Local Choice, you will receive your member card(s) in the mail.

DENTAL PLAN Amherst County offers a standalone dental plan for employees who do not enroll in one of The Local Choice plans. This plan is offered through Delta Dental of VA.

VISION PLAN Amherst County offers a standalone dental plan for employees who do not enroll in one of The Local Choice plans. This plan is offered through Anthem Blue View Vision.

ADDITIONAL ENROLLMENT INFORMATION 2. SUPPLEMENTAL HEALTH Amherst County offers voluntary supplemental health benefits through Flex Facts, Colonial Life, and CHUBB. Employees may put aside funds on a pre-tax basis in a Flexible Spending Account (FSA) or Health Savings Account (HSA) and/or purchase supplemental health insurance plans for Medical Bridge, Cancer, Accident, Short Term Disability, Term Life, Whole Life, Critical Illness, and Long Term Care.

FLEX FACTS Flex Facts is our Flexible Spending Account (FSA) and Health Savings Account (HSA) administrator. An FSA allows you to put away money from your payroll on a pre-tax basis to pay for qualified health expenses such as co-pays, deductibles, prosthetics, etc., and/or child care. An HSA is a type of personal savings account that can be used to pay for qualified medical expenses. You can put money into an HSA and withdraw it tax-free, as long as you use it for expenses like deductibles, co-payments, and coinsurance. HSAs can only be used when paired with a High Deductible Health Plan (HDHP). Please note, you can not be enrolled in an FSA at the same time you open or contribute to an HSA.

COLONIAL LIFE Colonial Life offers supplemental benefits that can be customized to employees’ needs.

CHUBB CHUBB provides professional and general coverage for long term care facilities.

3. RETIREMENT Amherst County employees are eligible to participate in the state’s Virginia Retirement System (VRS). The state mandated required employee contribution is 5% of your monthly gross pay which is withheld on a pre-tax basis. There are three plans – eligibility is based on your hire date and prior VRS service credit – and HR assigns you to the appropriate plan when we set you up in the Employee Navigator system. You are enrolled with VRS automatically when Finance completes your first full month’s payroll. You should receive a letter from VRS when that occurs.

PLAN 1 This plan is the original VRS pension plan. If you were hired prior to July 1, 2010 and were vested in the plan as of January 1, 2013, then you will be enrolled in Plan 1.

PLAN 2 This plan is also a traditional pension plan with a lower multiplier than Plan 1. If you were hired between July 1, 2010 and December 31, 2013 and were not vested in Plan 1 on January 1, 2013, then you will be enrolled in Plan 2. If you are employed in a hazardous duty position, you will be either a Plan 1 or Plan 2 participant.

HYBRID The Hybrid plan is a combination of a traditional pension plan and deferred compensation. If you are not in a hazardous duty position and you were hired on January 1, 2014 or later, or you were rehired on January 1, 2014 with no prior service credits in VRS, you will be enrolled in the Hybrid plan. For Hybrid employees, your 5% payroll contribution is split with 4% going to your pension plan and 1% going to deferred compensation. The deferred compensation portion is administered by VOYA and includes an employer match. You may voluntarily choose to contribute up to an additional 4% of your pay to the deferred compensation portion of your retirement. Contribution increase requests are completed online at varetire.org. After one calendar year of employment, Hybrid employees receive paid short and long term disability. If you are in the Hybrid plan and you choose to purchase short and/or long term disability through one of the supplemental health vendors, you will want to cancel it at that point. State law greatly limits the benefit that the vendor is allowed to pay if you have employer paid short and/or long term disability. 11

ADDITIONAL ENROLLMENT INFORMATION 4. DEFERRED COMPENSATION Amherst County also offers a deferred compensation plan through Nationwide Retirement Solutions. Employees assigned to Plan 1 or Plan 2 or those Hybrid employees who have exceeded the allowable voluntary contribution in the Hybrid plan may participate. A 1:1 employer match of up to $100 per month is available. You may contact Senior Retirement Specialist Charlie Brennan at 804-314-9521 or stop by HR for a Retirement Planning 101 guide.

5. LIFE INSURANCE Amherst County provides employer paid group term life insurance at no cost to you through Securian/Minnesota Life. Coverage starts on your first day of employment. The benefit is twice your annual salary (rounded up to the next one thousand) at the time of death. You may purchase additional optional group term life insurance through Securian/Minnesota Life for yourself, your spouse or your children. If you do not purchase optional life insurance in your first 30 days of employment, a Certificate of Insurability form for the person(s) you are trying to insure must be completed and the Securian/Minnesota Life underwriters will determine whether you are eligible to purchase additional life insurance at that time.

6. PAID LEAVE Amherst County provides paid vacation leave, sick leave, personal leave and personal business leave for employees. New employees are granted and may begin to use personal leave and personal business leave upon hire. Except in emergency situations, all employee absences must be pre-approved by the employee’s direct supervisor. Annual leave and sick leave accrues at the end of each full calendar month of employment during the six month probationary period but may not be used until the new employee is released from probation. Other types of available leave include paid holidays, civic leave, military leave, FMLA, and administrative leave. Leave benefits and accrual rates are outlined in Section 6 of the Amherst County HR Regulation. The most current version of the HR Regulation may be found on the Human Resources page of the county website at www.countyofamherst.com.

7. EMPLOYEE ASSISTANCE PROGRAM Amherst County offers an Employee Assistance Program (EAP) through HealthWorks. Confidential professional counseling at no cost may be accessed by calling 434-200-6000. HealthWorks also offers a Work-Life Balance portal which can provide additional information and valuable resources for full time employees. If you are interested, please inquire at HR how to access the portals.

HEADER EE NAVIGATOR INFORMATION ENROLLMENT INSTRUCTIONS Below is a series of instructions outlining the enrollment process. Please have the following information available before you begin: •

Username and password. If you have forgotten your password, please visit the enrollment website and select “Reset a forgotten password”. • 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

HELPFUL TIPS : • If you are a new employee, please refer to the New Hire information on the Eligibility Requirements page of this guide or contact PGB Employee Services at 800-387-5955 between 8:30am and 5:00pm for assistance. • If you are an existing employee and unable to log into the online system, please contact the PGB Employee Services at 800-387-5955, or speak with the Benefits Representative assigned to your location.

1. LOGGING IN First time users: To get started, click the registration link in the email from your administrator or click on the link below and select Register as a New User. Follow the prompts to create your account and set up your own username and password. You will need your Company ID when registering as a new user! Company ID: AMHCG Returning users: Click on the link below and select Login. Log in with the username and password you previously set.

To login, visit: www.employeenavigator.com/benefits/account/login

2. 2. WELCOME After you login click Let’s Begin to complete your required tasks.

1. 4. START ENROLLMENT

3. ONBOARDING Complete any assigned onboarding tasks before enrolling in your benefits.

Once you’ve completed your tasks click Start Enrollment to begin your enrollments.

TIP: If you hit “Dismiss, complete later” you’ll be taken to your Home Page. You’ll still be able to start enrollments again by clicking “Start Enrollments”

Enrollment instructions continued on next page

HEADER INFORMATION EE NAVIGATOR ENROLLMENT INSTRUCTIONS

5. PERSONAL INFORMATION After clicking Start Enrollment, you’ll need to complete some personal & dependent information before moving to your benefit elections.

6. DEPENDENT SELECTIONS

7. BENEFIT ELECTIONS

To enroll dependents in a benefit, click the checkbox next to the dependent’s name under: Who am I enrolling?

Below your dependents you can view your available plans and the cost per pay. To elect a benefit, click Select Plan underneath the plan cost.

SAVE & CONTINUE

8. SAVE & CONTINUE Click Save & Continue at the bottom of each screen to save your elections. If you do not want a benefit, click Don’t want this benefit? at the bottom of the screen and select a reason from the drop-down menu.

11.

PRINT & REVIEW You can either print a summary of your elections for your records or login at any point during the year to view your summary online.

9. FORMS

10.

If you have elected benefits that require a beneficiary designation, Primary Care Physician, or completion of an Evidence of Insurability form, you will be prompted to add in those details.

12. HR TASKS (IF APPLICABLE) To complete any required HR tasks, click Start Tasks. If your HR department has not assigned any tasks, you’re finished! 14

SIGN & AGREE Review the benefits you selected on the enrollment summary page to make sure they are correct then click Sign & Agree to complete your enrollment.

TIP: If you miss a step, you’ll see Enrollment Not Complete in the progress bar with the incomplete steps highlighted. Click on any incomplete steps to complete them.

New Employee Onboarding Guide Welcome to Amherst County Government! Onboarding Guide* (To be used for onboarding new employees only) As you continue forward, you will be asked to review, acknowledge, download, and complete required forms requested by your employer. There are instructions listed for each form and this guide is built to be used in conjunction with them.

1. For most of the forms, you will see a set of instructions that reads as: “Please view, download, and upload a completed copy of the form listed below…”. a. Read through the Helpful Steps listed in the instructions: i. Click ‘View’ to review the document; when you have finished, select ‘Finish’.

ii. If you have not already downloaded this form from your document library, then hover your mouse over the Red PDF Logo. A link will appear for you to ‘Download Original’.

iii. Complete the form in Adobe Acrobat and save your own copy. 1. Please keep in mind that no matter which web browser (Google Chrome, Microsoft Edge/Internet Explorer, Mozilla Firefox), you will want to open the form in Adobe. If you open it elsewhere, the electronic signature field may not appear. Also, if you are having trouble locating the form you downloaded, then search your file directory for your ‘Downloads’ folder (example pictured below).

iv. Upload your completed version of the form via the two options listed – 1. Click to add a file a. Click the link for ‘Click to add a file’. This should open up your file directory. Navigate to where your signed and completed version of the form is saved. Select the file, click Open.

b. You should see a status bar appear below the link reflecting if the upload was successful.

2. Drop file here a. If you choose this method, you will open your file directory to where your signed and completed version of the form is saved. Then simply select and drag the file over the ‘Drop file here link.

2. The other task you may be asked to complete is to review and acknowledge a webpage. a. For this task, the instructions will start with, “Please review the link below and acknowledge you have read the information provided…” . Follow the Helpful Steps: i. Please click the link, Amherst County Government HR Manual, below

ii. Once the new webpage opens, then locate the HR Manual link under the Human Resources Documents header, titled Human Resources Regulation

iii. After selecting the link, a PDF will open; this is your HR Manual. Review all information in the document.

iv. After you have finished, you may exit and return to the original Employee Navigator page. Mark the check box below to acknowledge you have reviewed the HR manual.

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

HEALTH INSURANCE

Amherst County Government 2026-2027 High Deductible Health Plan Plan Year Deductible (applies as indicated) One Person Family (two or more people)

In-Network

Plan Year Out-of-Pocket Expense Limit Individual Out-of-Pocket Maximum Family Out-of-Pocket Maximum

In-Network

$5,000 $10,000

Key Advantage 250

In-Network

Out-of-Network

In-Network

Out-of-Network

$1,000 $2,000

$2,000 $4,000

$250 $500

$500 $1,000

Out-of-Network

In-Network

Out-of-Network

In-Network

Out-of-Network

$10,000 $20,000

$5,000 $10,000

$9,000 $18,000

$3,000 $6,000

$5,000 $10,000

Out-of-Network

$3,400 $6,800

Unlimited For All Plans In-Network Benefits Only

Lifetime Maximum

Covered Services Doctor's Visits (Outpatient or In-Office)

Key Advantage 1000

Primary Care Physician Visits Chiropractic, Spinal Manipulations (30 visit limit)

20% Coinsurance, after deductible

$25 Copayment

$20 Copayment

Specialist Visits Chiropractic, Spinal Manipulations (30 visit limit)

20% Coinsurance, after deductible

$40 Copayment

$35 Copayment

Shots - Allergy or Therapeutic Injections Doctor's Office, ER, or Outpatient Setting Diagnostic Tests, Labs, and X-Rays Specific conditions/diseases at doctor's office, ER, or Outpatient Setting

20% Coinsurance, after deductible

Preventive Care Visits

Covered at 100%

Emergency Room Visits

20% Coinsurance, after deductible

$350 Copayment per visit (waived if admitted)

Ambulance Services

20% Coinsurance, after deductible

Inpatient Hospital Services

20% Coinsurance, after deductible

$400 Copayment per stay

Outpatient Hospital Services

20% Coinsurance, after deductible

$150 Copayment per visit

Outpatient Diagnostic Test, Labs, and X-Rays

20% Coinsurance, after deductible

Outpatient Therapy Services - Occupational, Speech, Physical, Cardiac, Chemotherapy, Radiation, Infusion, & Respiratory

20% Coinsurance, after deductible

Prenatal & Provider Services- PCP

20% Coinsurance, after deductible

$25 Copayment

$20 Copayment

Prenatal & Provider Services - Specialist

20% Coinsurance, after deductible

$40 Copayment

$35 Copayment

Hospital Services for Delivery

20% Coinsurance, after deductible

$400 Copayment per stay**

Diagnostic Tests, Labs, and X-Rays

20% Coinsurance, after deductible

Inpatient Treatment/Residential Treatment

20% Coinsurance, after deductible

$400 Copayment per stay

Partial Hospitalization (Day) Program

20% Coinsurance, after deductible

$150 Copayment per stay

Outpatient Professional Provider Services

20% Coinsurance, after deductible

$25 Copayment

$20 Copayment

Must meet annual deductible

$150/$300

Hospital & Other Services (Pre-certification may be required)

Diabetic Equipment Maternity

Behavioral Health

Prescription Drug Benefit* Retail Pharmacy (up to a 34-day supply) Rx Deductible - Individual/Family Tier 1

20% Coinsurance, after deductible

Tier 2

20% Coinsurance, after deductible

$30 Copayment after RX Deductible

Tier 3

20% Coinsurance, after deductible

$45 Copayment after RX Deductible

Tier 4

20% Coinsurance, after deductible

20% Coinsurance after RX Deductible up to $200

20% Coinsurance up to $200, after RX Deductible

Home Delivery Services-Mail Order (90-day supply)

20% Coinsurance, after deductible

2x Retail Copay

Diabetic Supplies

20% Coinsurance, after deductible

20% Coinsurance, no deductible

$10 Copayment, no deductible $10 Copayment, no deductible

*You have a mandatory generic drug program. However, if there is no generic equivalent for the drug, you may get the brand and pay only the applicable benefit level. If there is a generic equivalent available, you may opt to use the brand but you'll pay the applicable brand level plus the difference between the brand and generic allowable charge. ** This plan will waive the hospital Copayment if the member enrolls in the maternity management pre-natal program within the first trimester of pregnancy, has a dental cleaning during pregnancy and satisfactorily completes the program.

Anthem Health & Wellness Programs Anthem can help you make the most of your benefts so you can be your healthiest. Take advantage of these wellness programs and services included in your health plan.

Sydney Health mobile app The SydneySM Health mobile app gives you a quick connection to beneft information, tools, and helpful resources. Download the app today and log in using your anthem.com username and password to: • View your ID card. • See all your medical and pharmacy benefts and

claims.

Simplify your healthcare by downloading Sydney Health today

• Easily chat with customer service. • Connect quickly to virtual care and wellness

resources. • Track your health goals and ftness.

Anthem Health Guide Anthem Health Guides are specially trained to answer your health plan questions and steer you to the right programs and support for your unique needs. Your guide will also remind you of any screenings or routine exams that are due, help you save money on your prescription drugs, compare costs for care, and fnd in-network doctors in your area. Call 800-552-2682, Monday to Friday 8:00 a.m. to 6:00 p.m.

Employee Assistance Program (EAP) Life can be challenging, and Anthem EAP is here to help. Your EAP includes up to 4 free, confdential counseling sessions per issue per plan year for you, your covered dependents, and members of your household. It’s also a valuable source for information about emotional well-being, childcare and elder care resources, fnancial and legal issues, and smoking cessation. Go to anthemeap.com, and log in using Commonwealth of Virginia as your company, and then select The Local Choice, or call 855-223-9277. 23

LiveHealth Online Using the Sydney Health app, you can have a private, secure, video visit wherever you are with a doctor. Urgent care virtual visits are available on demand 24/7. Virtual appointments can also be scheduled to meet with a therapist, psychologist, psychiatrist, or a sleep specialist, Monday to Friday 9 a.m. to 9 p.m. Eastern time. No cost for Key Advantage Plans. Twenty percent coinsurance, after deductible for HDHP plans.

24/7 NurseLine 24/7 NurseLine has registered nurses ready and willing to help you at any time of the day. They are excellent resources for: • Minor health issues that can be handled at home. • Directing you to the correct doctor, health professional, or specialist. • Determining which facility type is the best choice for your issue.

Call 800-337-4770 anytime day or night. Your call is always free and completely confdential.

Future Moms Enroll in Future Moms by calling 800-828-5891 within the frst 16 weeks of pregnancy for free pre- and post-natal support that can help ensure a healthy pregnancy. Once your baby is born, use LiveHealth Online for virtual visits with a certifed lactation consultant, counselor, or registered dietitian at no extra cost through the Future Moms with Breastfeeding Support program. Key Advantage Expanded or Key Advantage 250 members: Enroll within the frst 16 weeks and your plan will waive the hospital copayment for delivery.

ConditionCare Extra support for members with: • Asthma • Diabetes • Coronary artery disease • Heart failure • Chronic obstructive pulmonary disease (COPD) • Hypertension ConditionCare provides Nurse Care Managers who work with you or a covered family member to help you better understand and manage a condition and meet personalized health goals. Call 844-507-8472 to enroll or we may call you to see if you would like to participate.

Sydney Health is offered through an arrangement with Carelon Digital Platforms, a separate company offering mobile application services on behalf of your health plan. ©2020-2022 Commonwealth of Virginia complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. Anthem Blue Cross and Blue Shield is the trade name of Anthem Health Plans of Virginia, Inc. Serving all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. Independent licensee of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc.

A10625 (11/2022)

Your Employee Assistance Program During those moments when you feel overwhelmed, your Employee Assistance Program (EAP) is here for you with real-life tips, tools, articles, webinars, and links to helpful resources. As always, your EAP is private, conﬁdential, and included as part of your beneﬁts.1 EAP is available to all employees and household members or dependents, even if you are not enrolled in an Anthem medical plan.

Support and advice for every step of the way Counseling

Legal resources

Connect with a mental health professional for a variety of matters, including in moments of crisis. In-person and virtual options are available. Virtual options are offered through Headway, Talkspace or LiveHealth Online.

Access on-line resources and legal help in-person or by phone for each issue, each year, at no added cost.2 You or eligible family members can call EAP and request a consultation for each separate issue, with a network attorney at no cost.

Work-life resources Find resources for career, parenting, healthy communication, and balancing work and family.

Financial planning Talk with a professional and ﬁnd resources that can help you take charge of your ﬁnances.

Self-paced courses and resources Emotional Well-being resources connect you to one-on-one coaching, self-help digital tools and access to articles, podcasts, and webinars for help with depression, anxiety, relationships, and alcohol use.

Self-assessments Take self-assessments to get personalized recommendations on the best resources for your needs.

Connect to resources anytime For questions or issues, you have access to your EAP 24/7. Contact your EAP by calling 855-223-9277 or visit anthemeap.com/the-local-choice.

1 In accordance with federal and state law, and professional ethical standards. 2 Excludes business, beneﬁts, or employment issues. The free half-hour consultations apply per legal issue, per year. You are eligible for a new consultation for each new issue yearly. Online counseling is not appropriate for all kinds of problems. If you are in crisis or have suicidal thoughts, it’s important that you seek help immediately. Please call 988, the National Suicide Prevention Lifeline, and ask for help. If your issue is an emergency, call 911 or go to your nearest emergency room. Anthem Blue Cross and Blue Shield is the trade name of Anthem Health Plans of Virginia, Inc. Serving all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. Independent licensee of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc. The Commonwealth of Virginia complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.

1052523MUMENABS VPOD 08/23

66711219-150554498

A10833 2/2026

Discover a powerful and more personalized health app View all your benefits and access wellness tools to improve your overall health with the Sydney HealthSM app

The Sydney Health mobile app works with you by guiding you to better overall health — and for you by bringing your benefits and health information together in one convenient place. Sydney Health has everything you need to know about your benefits, so you can make the most of them while taking care of your health.

Working with you

Working for you

} Reminding you about important

} Giving you instant access to your

preventive care needs*

medical, dental and vision benefits and claims*

} Planning and tracking your health

goals, fitness, and rewards

} Storing your member ID card so

} Guiding you with insights based on

your history and changing health needs

you can show, email, or fax it right from your phone } Providing answers quickly through

} Empowering you with personalized

tools to find doctors, hospitals, labs, and other health care providers in your plan and compare costs.* } Helping you manage prescriptions and

save money by comparing pharmacy costs and locating coupons

real-time live chat with an Anthem representative } Connecting you to virtual care

options for primary, urgent or specialty care

Simplify your healthcare by downloading Sydney Health today

* Based on your plan enrollment. Sydney Health is offered through an arrangement with Carelon Digital Platforms, a separate company offering mobile application services on behalf of your health plan ©2020-2022. Commonwealth of Virginia complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Georgia: Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. HMO plans are administered by Anthem Health Plans of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWI), underwrites or administers PPO and indemnity policies and underwrites the out of network benefits in POS policies offered by Compcare Health Services Insurance Corporation (Compcare) or Wisconsin Collaborative Insurance Corporation (WCIC). Compcare underwrites or administers HMO or POS policies; WCIC underwrites or administers Well Priority HMO or POS policies. Independent licensees of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc. A10723 11/23

You Have Two Choices for Dental Benefits Comprehensive Dental Option Comprehensive Dental

You Pay

Dental Plan Year Deductible

$25/one person $50/two people $75/family

Plan Year Maximum (except Orthodontics)

OR Preventive Dental Option This covers only preventive services, and is available for a lower premium. Preventive Dental

Preventive Dental Care $0 (No dental (routine oral exam and deductible or plan cleaning twice per plan year, year maximum) x-rays, sealants and fluoride for children)

$1,500

Preventive Dental Care (routine oral exam and cleaning twice per plan year, x-rays, sealants and fluoride for children)

Primary Dental Care (fillings, root canal, simple extractions, periodontic services, etc.)

20% coinsurance after dental deductible

Major Dental Care (crowns, inlays, onlays, dentures and fixed bridges)

50% coinsurance after dental deductible

Orthodontic Services (for children and adults)

50% coinsurance, no dental deductible, with $1,500 lifetime maximum

Anthem Blue Cross and Blue Shield is the trade name of Anthem Health Plans, Inc. Independent licensee of the Blue Cross and Blue Shield Association. ®ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. ©2013 Anthem Blue Cross and Blue Shield.

A10284 (7/2017)

You Pay

To change your current dental option, you must complete an enrollment form at open enrollment or with a qualifying event.

Routine Vision – Blue View Vision Network You have an allowance for eyeglass lenses or contact lenses every plan year. You pay the remaining cost for frames and lenses after Your Health Plan’s Reimbursement. Covered Services

Blue View Vision Network (once per plan year)

Non-Blue View

Routine eye exam

You pay $15 copayment

Plan pays up to to $50

Standard eyeglass lenses

You pay $20 copayment

Plan pays up to: $50 single lenses; $75 bifocal; $100 trifocal

Plan pays up to $100* retail allowance

Plan pays up to $80

Elective Conventional2

Plan pays up to $100 allowance then 15% discount off remaining balance

Plan pays up to $80

Elective Disposable2

Plan pays up to $100 allowance (no additional discount)

Plan pays up to $80

Covered in full

Plan pays up to $210

(in lieu of contact lenses) Polycarbonate lenses included at no additional cost for children under 19 years old

Eyeglass frames Contact lenses1 (in lieu of eyeglass lenses)

Non-Elective2

Retinal Imaging

Not more than $39

At member’s option can be performed at time of eye exam

Lens options UV coating, tints, standard scratch-resistant

You pay $15

Not available

Standard polycarbonate (Adult)

You pay $40

Not available

Standard progressive (in addition to bifocal copayment)

You pay $65

Not available

Standard anti-reflective

You pay $45

Not available

Other add-ons (i.e. high index lenses, anti-fog coating)

You pay 20% off retail

Not available

*You may select a frame greater than the covered allowance and receive a 20% discount for any additional cost over the allowance. 1

Declining Balance. Your plan has a declining balance allowance. This means if you do not use your allowance all at once, the remainder will be available for you to use at a later time. However, any remaining balance will not carry over to the next benefit year. All services or supplies using the declining balance for a benefit period must be received In-Network based on where the first paid claim is incurred..

Elective contact lenses are typically elected in lieu of eyeglass lenses. Non-Elective contact lenses are medically necessary contacts when glasses are not an option for vision.

Your High Deductible Health Plan is HSA Compatible Enrollment in a HDHP allows you to set up a personal Health Savings Account (HSA) through a bank or other financial institution to help you manage healthcare expenses or save for retirement. HSAs were created as part of Medicare reform legislation in 2003. An HSA is a tax-favored account that allows those covered by a HDHP to pay for certain qualified medical expenses. It can help you save on the cost of your health insurance and healthcare expenses, and also help pay for covered services before you satisfy the health plan deductible. If you decide to set up an HSA to work with your HDHP, confer with your tax advisor, bank or other financial institution. The following web sites are a good place to start learning more about HSAs.

• www.treasury.gov – Provides an overview of HSAs, answers to frequently asked questions and important IRS forms and applications. Search using keyword HSA.

• www.irs.gov – Provides information about how HSAs impact your Federal taxes and qualified medical expenses (Publications 969 and 502). Search using keyword HSA.

• www.hhs.gov – Provides general information about HSAs and other tax-favored health plans. Search using keyword HSA. Note: If you have an HSA, you cannot also have a Flexible Spending Account unless it is limited in scope. More information is available from tax consultants or financial institutions.

6 28

Key Advantage 1000 Benefits At-A-Glance (continued) Routine Vision – Blue View Vision Network You have an allowance for eyeglass lenses or contact lenses every plan year. You pay the remaining cost for frames and lenses after Your Health Plan’s Reimbursement. Covered Services

Blue View Vision Network (once per plan year)

Non-Blue View

Routine eye exam

You pay $40 copayment

Plan pays up to to $50

Standard eyeglass lenses

You pay $20 copayment

Plan pays up to: $50 single lenses; $75 bifocal; $100 trifocal

Plan pays up to $100* retail allowance

Plan pays up to $80

Elective Conventional2

Plan pays up to $100 allowance then 15% discount off remaining balance

Plan pays up to $80

Elective Disposable2

Plan pays up to $100 allowance (no additional discount)

Plan pays up to $80

Non-Elective2

Plan pays up to $250 allowance

Plan pays up to $210

(in lieu of contact lenses)

Polycarbonate lenses included at no additional cost for children under 19 years old

Eyeglass frames Contact lenses

(in lieu of eyeglass lenses)

Retinal Imaging

Not more than $39

At member’s option can be performed at time of eye exam

Lens options UV coating, tints, standard scratch-resistant

You pay $15

Not available

Standard polycarbonate (Adult)

You pay $40

Not available

Standard progressive (in addition to bifocal copayment)

You pay $65

Not available

Standard anti-reflective

You pay $45

Not available

Other add-ons (i.e. high index lenses, anti-fog coating)

You pay 20% off retail

Not available

*You may select a frame greater than the covered allowance and receive a 20% discount for any additional cost over the allowance. 1

Elective contact lenses are typically elected in lieu of eyeglass lenses. Non-Elective contact lenses are medically necessary contacts when glasses are not an option for vision.

6 29

Key Advantage 250 Benefits At-A-Glance (continued) Routine Vision – Blue View Vision Network You have an allowance for eyeglass lenses or contact lenses every plan year. You pay the remaining cost for frames and lenses after Your Health Plan’s Reimbursement. Covered Services

Blue View Vision Network (once per plan year)

Non-Blue View

Routine eye exam

You pay $35 copayment

Plan pays up to to $50

Standard eyeglass lenses

You pay $20 copayment

Plan pays up to: $50 single lenses; $75 bifocal; $100 trifocal

Eyeglass frames

Plan pays up to $100* retail allowance

Plan pays up to $80

Elective Conventional2

Plan pays up to $100 allowance then 15% discount off remaining balance

Plan pays up to $80

Elective Disposable2

Plan pays up to $100 allowance (no additional discount)

Plan pays up to $80

Non-Elective2

Covered in full

Plan pays up to $210

(in lieu of contact lenses) Polycarbonate lenses included at no additional cost for children under 19 years old

Contact lenses

(in lieu of eyeglass lenses)

Retinal Imaging

Not more than $39

At member’s option can be performed at time of eye exam

Lens options UV coating, tints, standard scratch-resistant

You pay $15

Not available

Standard polycarbonate (Adult)

You pay $40

Not available

Standard progressive (in addition to bifocal copayment)

You pay $65

Not available

Standard anti-reflective

You pay $45

Not available

Other add-ons (i.e. high index lenses, anti-fog coating)

You pay 20% off retail

Not available

*You may select a frame greater than the covered allowance and receive a 20% discount for any additional cost over the allowance. 1

Elective contact lenses are typically elected in lieu of eyeglass lenses. Non-Elective contact lenses are medically necessary contacts when glasses are not an option for vision.

6 30

FY2027 All Inclusive Health Insurance Rates Anthem TLC w/Comprehensive Dental & Vision TLC HDHP with HSA Premium for 2026-2027 Plan Year Monthly Cost per tier (FT employees) Single (Employee only) Employee + One (Spouse or Child) Employee + Children (2) Family

FY2027 Total Monthly Premium

Employee Cost

Employer Cost

$ $ $ $

733.00 1,038.00 1,622.00 1,512.00

1,500.00

756.00 1,400.00 2,043.00 2,043.00

23.00 362.00 421.00 531.00

HSA Savings Contribution

Anthem KeyAdvantage 1000 PPO Monthly Cost per tier (FT employees) Single (Employee only) Employee + One (Spouse or Child) Employee + Children (2) Family

Premium for 2026-2027 Plan Year FY2027 Total Monthly Premium

Employee Cost

Employer Cost

$ $ $ $

891.00 1,649.00 2,407.00 2,407.00

Anthem KeyAdvantage 250 PPO Monthly Cost per tier (FT employees) Single (Employee only) Employee + One (Spouse or Child) Employee + Children (2) Family

90.00 432.00 531.00 651.00

801.00 1,217.00 1,876.00 1,756.00

Premium for 2026-2027 Plan Year FY2027 Total Monthly Premium

Employee Cost

Employer Cost

$ $ $ $

1,037.00 1,918.00 2,799.00 2,799.00

236.00 701.00 923.00 1,043.00

801.00 1,217.00 1,876.00 1,756.00

FY2027 All Inclusive Health Insurance Rates Anthem TLC w/Preventative Dental & Vision TLC HDHP with HSA Premium for 2026-2027 Plan Year Monthly Cost per tier (FT employees) Single (Employee only) Emplpyee + One (Spouse or Child) Employee + Children (2) Family

FY2027 Total Monthly Premium

Employee Cost Employer Cost

$ $ $ $

736.00 1,363.00 1,989.00 1,989.00

20.00 342.00 400.00 511.00

HSA Savings Contribution

Anthem KeyAdvantage 1000 PPO Monthly Cost per tier (FT employees) Single (Employee only) Employee + One (Spouse or Child) Employee + Children (2) Family

716.00 1,021.00 1,589.00 1,478.00

1,500.00

Premium for 2026-2027 Plan Year FY2027 Total Monthly Premium

Employee Cost Employer Cost

$ $ $ $

871.00 1,612.00 2,353.00 2,353.00

Anthem KeyAdvantage 250 PPO Monthly Cost per tier (FT employees) Single (Employee only) Employee + One (Spouse or Child) Employee + Children (2) Family

$ $ $ $

86.00 428.00 510.00 647.00

$ $ $ $

785.00 1,184.00 1,843.00 1,706.00

Premium for 2026-2027 Plan Year FY2027 Total Monthly Premium

Employee Cost Employer Cost

$ $ $ $

$ 232.00 $ 697.00 $ 902.00 $ 1,039.00

1,017.00 1,881.00 2,745.00 2,745.00

$ $ $ $

785.00 1,184.00 1,843.00 1,706.00

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

DENTAL INSURANCE

AMHERST COUNTY BOARD OF SUPERVISORS, VA Dental Highlight Sheet

Effective Date: 7/1/2026

Plan Benefit Type 1 Type 2 Type 3

100% 80% 50%

Deductible

$25/Calendar Year Type 2 & 3 Waived Type 1 No Family Maximum

Maximum (per person)

$1,500 per calendar year

Allowance Waiting Period Annual Open Enrollment

90th U&C None Included

Orthodontia Summary - Adult and Child Coverage Allowance Plan Benefit Lifetime Maximum (per person) Waiting Period Takeover Benefit

U&C 50% $1,500 None Initial Insureds Only

Sample Procedure Listing (Current Dental Terminology © American Dental Association.) Type 1

⚫

⚫ ⚫

⚫

⚫ ⚫

Type 2

Routine Exam (2 per benefit period) Bitewing X-rays (1 per benefit period) Full Mouth/Panoramic X-rays (1 in 3 years) Periapical X-rays Cleaning (2 per benefit period) Fluoride for Children 18 and under (1 per benefit period) Sealants (age 15 and under) Space Maintainers

⚫ ⚫

⚫ ⚫ ⚫ ⚫ ⚫ ⚫ ⚫

Fillings for Cavities Restorative Composites (anterior and posterior teeth) Endodontics (nonsurgical) Endodontics (surgical) Periodontics (nonsurgical) Periodontics (surgical) Simple Extractions Complex Extractions Anesthesia

Type 3 ⚫ ⚫

⚫ ⚫ ⚫ ⚫

Onlays Crowns (1 in 5 years per tooth) Crown Repair Denture Repair Implants Prosthodontics (fixed bridge; removable complete/partial dentures) (1 in 5 years)

Ameritas Information

We're Here to Help This plan was designed specifically for the associates of AMHERST COUNTY BOARD OF SUPERVISORS, VA. At Ameritas Group, we do more than provide coverage - we make sure there's always a friendly voice to explain your benefits, listen to your concerns, and answer your questions. Our customer relations associates will be pleased to assist you 7 a.m. to midnight (Central Time) Monday through Thursday, and 7 a.m. to 6:30 p.m. on Friday. You can speak to them by calling toll-free: 800-487-5553. For plan information any time, access our automated voice response system or go online to ameritas.com.

Dental Network Information

To find a provider, visit ameritas.com and select FIND A PROVIDER, then DENTAL. Enter your criteria to search by location or for a specific dentist or practice. California Residents: When prompted to select your network, choose the Ameritas Network found on your ID Card or contact Customer Connections at 800-487-5553. Your provider network is Ameritas Classic and Plus Network.

AMHERST COUNTY BOARD OF SUPERVISORS, VA Dental Highlight Sheet Pretreatment

While we don't require a pretreatment authorization form for any procedure, we recommend them for any dental work you consider expensive. As a smart consumer, it's best for you to know your share of the cost up front. Simply ask your dentist to submit the information for a pretreatment estimate to our customer relations department. We'll inform both you and your dentist of the exact amount your insurance will cover and the amount that you will be responsible for. That way, there won't be any surprises once the work has been completed.

Open Enrollment

If a member does not elect to participate when initially eligible, the member may elect to participate at the policyholder's next enrollment period. This enrollment period will be held each year and those who elect to participate in this policy at that time will have their insurance become effective on July 1. If you do not enroll during your company's open enrollment period, then you will be subject to the Late Entrant Provision.

Late Entrant Provision

We strongly encourage you to sign up for coverage when you are initially eligible. If you choose not to sign up during this initial enrollment period, you will become a late entrant. Late entrants will be eligible for only exams, cleanings, and fluoride applications for the first 12 months they are covered. This document is a highlight of plan benefits provided by Ameritas Life Insurance Corp. as selected by your employer. It is not a certificate of insurance and does not include exclusions and limitations. For exclusions and limitations, or a complete list of covered procedures, contact your benefits administrator.

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

VISION INSURANCE

Blue View VisionSM FS.A.20.20.130.130

Welcome to your Blue View Vision plan!

You have many choices when it comes to using your benefits. As a Blue View Vision plan member, you have access to one of the nation’s largest vision networks. You may choose from many private practice doctors, local optical stores, and national retail stores including LensCrafters®, Target Optical®, and most Pearle Vision® locations. You may also use your in-network benefits to order eyewear online at Glasses.com and ContactsDirect.com. To locate a participating network eye care doctor or location, log in at anthem.com, or from the home page menu under Care, select Find a Doctor. You may also call member services for assistance at 1-866-723-0515. Out-of-Network – If you choose to, you may instead receive covered benefits outside of the Blue View Vision network. Just pay in full at the time of service, obtain an itemized receipt, and file a claim for reimbursement up to your maximum out-of-network allowance. YOUR BLUE VIEW VISION PLAN BENEFITS Routine Eye Exam A comprehensive eye examination Eyeglass Frames One pair of eyeglass frames

IN-NETWORK

OUT-OF-NETWORK

FREQUENCY

$20 Copay

Reimbursed Up To $42

Once every calendar year

$130 Allowance, then 20% off any remaining balance

Reimbursed Up To $45

Once every calendar year

Eyeglass Lenses (instead of contact lenses) One pair of standard plastic prescription lenses  Single vision lenses $20 Copay Reimbursed Up To $40 Once every calendar year $20 Copay Reimbursed Up To $60  Bifocal lenses  Trifocal lenses $20 Copay Reimbursed Up To $80 Eyeglass Lens Enhancements When obtaining covered eyewear from a Blue View Vision provider, you may choose to add any of the following lens enhancements at no extra cost $0 Copay  Lenses (for a child under age 19) No allowance when Same as covered eyeglass $0 Copay  Standard polycarbonate (for a child under age 19) obtained out-of-network lenses $0 Copay  Factory Scratch Coating Contact Lenses (instead of eyeglass lenses) Contact lens allowance will only be applied toward the first purchase of contacts made during a benefit period. Any unused amount remaining cannot be used for subsequent purchases in the same benefit period, nor can any unused amount be carried over to the following benefit period.  Elective conventional (non-disposable) $130 Allowance, then 15% Reimbursed Up To $105 OR off any remaining balance 

Elective disposable OR

$130 Allowance (no additional discount)

Reimbursed Up To $105

Once every calendar year

Covered in full Non-elective (medically necessary) Reimbursed Up To $210 Contact lens fit and follow-up A contact lens fitting and up to two follow-up visits are available to you once a comprehensive eye exam has been completed.  Standard contact lens fitting $0 Copay Reimbursed Up To $35  Premium contact lens fitting 10% off retail price, then Reimbursed Up To $35 Once every calendar year apply $55 allowance 

This is a primary vision care benefit intended to cover only routine eye examinations and corrective eyewear. Blue View Vision is for routine eye care only. If you need medical treatment for your eyes, visit a participating eye care doctor from your medical network. Benefits are payable only for expenses incurred while the group and insured person’s coverage is in force. This information is intended to be a brief outline of coverage. All terms and conditions of coverage, including benefits and exclusions, are contained in the member’s policy, which shall control in the event of a conflict with this overview. This benefit overview is only one piece of your entire enrollment package. EXCLUSIONS & LIMITATIONS (not a comprehensive list – please refer to the member Certificate of Coverage for a complete list) Combined Offers. Not to be combined with any offer, coupon, or in-store advertisement. Lost or Broken Lenses or Frames. Any lost or broken lenses or frames are not eligible for replacement unless the Excess Amounts. Amounts in excess of covered vision expense. insured person has reached his or her normal service interval as indicated in the plan design. Sunglasses. Plano sunglasses and accompanying frames. Non-Prescription Lenses. Any non-prescription lenses, eyeglasses or contacts. Plano lenses or lenses that have no Safety Glasses. Safety glasses and accompanying frames. refractive power. Not Specifically Listed. Services not specifically listed in this plan as covered services. Orthoptics. Orthoptics or vision training and any associated supplemental testing

Contract code: 4LW3 37

OPTIONAL SAVINGS AVAILABLE FROM BLUE VIEW VISION IN-NETWORK PROVIDERS ONLY Retinal Imaging – at member’s option, can be performed a time of eye exam Eyeglass lens upgrades  lenses (Adults) When obtaining eyewear from a Blue View Vision  Standard Polycarbonate (Adults) provider, you may choose to upgrade your new eyeglass  Tint (Solid and Gradient) lenses at a discounted cost. Eyeglass lens copayment  UV Coating applies.  Progressive Lenses1 Standard   Premium Tier 1  Premium Tier 2  Premium Tier 3  Premium Tier 4  Anti-Reflective Coating2 Standard   Premium Tier 1  Premium Tier 2  Premium Tier 3  Other Add-ons Additional Pairs of Eyeglasses Anytime from any Blue View Vision network provider Eyewear Accessories Conventional Contact Lenses (non-disposable type)

Complete Pair Eyeglass materials purchased separately Items such as non-prescription sunglasses, lens cleaning supplies, contact lens solutions, eyeglass cases, etc.  



Discount applies to materials only

In-Network Member Cost (after any applicable copay) Not more than $39 $75 $40

$15 $15 $55

$85 $95 $110 $175

$45

$57 $68 $85 20% off retail price 40% off retail price 20% off retail price 20% off retail 15% off retail price

1 Please ask your provider for his/her recommendation as well as the available progressive brands by tier.

2 Please ask your provider for his/her recommendation as well as the available anti-reflective brands by tier.

Cannot be combined with any other offer. Discounts are subject to change without notice. Discounts are not covered benefits under your vision plan and will not be listed in your certificate of coverage. Discounts will be offered from in-network providers except where State law prevents discounting of products and services that are not covered benefits under this plan. Discounts on frames will not apply if the manufacturer has imposed a no discount on sales at retail and independent provider locations. Some of our in-network providers include:

ADDITIONAL SAVINGS AVAILABLE THROUGH ANTHEM’S SPECIAL OFFERS PROGRAM Savings on items like additional eyewear after your benefits have been used, non-prescription sunglasses, hearing aids and even LASIK laser vision correction surgery are available through a variety of vendors. Just log in at anthem.com, select discounts, then Vision, Hearing & Dental.

* Discounts cannot be used in conjunction with your covered benefits.

OUT-OF-NETWORK If you choose to receive covered services or purchase covered eyewear from an out-of-network provider, network discounts will not apply and you will be responsible for payment of services and/or eyewear materials at the time of service. Please complete an out-of-network claim form and submit it along with your itemized receipt to the fax number, email address, or mailing address below. To download a claim form, log in at anthem.com, or from the home page menu under Support select Forms, click Change State to choose your state, and then scroll down to Claims and select the Blue View Vision Out-of-Network Claim Form. You may instead call member services at 1-866-723-0515 .to request a claim form. TO FAX: TO EMAIL: TO MAIL:

866-293-7373 oonclaims@eyewearspecialoffers.com Blue View Vision Attn: OON Claims P.O. Box 8504 Mason, OH 45040-7111

Transitions are registered trademarks of Transitions Optical, Inc. Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. Anthem Blue Cross and Blue Shield is an independent licensee of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association.

BLUE VIEW VISION

It’s easy to find an eye care provider online Here’s how to find one fast on our mobile app, Sydney, or anthem.com.

Select Find a Doctor

To search on the app, you’ll need a username and password. On anthem.com, log in as a member with your username and password, or your member ID card number.

You can also search as a guest. Just select a plan or network, or search by all plans and networks.*

Search for a provider

You can search based on type of provider or facility, locations near you or a provider’s name.

Click on the name of an eye care provider to learn more

Find out about their training, specialties, languages spoken, location and phone number.

Keep in mind, you’ll get the most from your benefits — and save money — when you use a provider in your plan.

Download our Sydney mobile app today to easily access your plan.

* If you don’t know the name of your plan or network, check with your human resources department or benefits administrator. Anthem Blue Cross and Blue Shield is the trade name of Anthem Health Plans of New Hampshire, Inc. HMO plans are administered by Anthem Health Plans of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc. Independent licensees of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc. 64961NHMENABS_Vision VPOD Rev. 9/19

BLUE VIEW VISION NETWORK RETAIL STORES

Getting vision care just got easier Blue View Vision gives employees access to online, retail and independent providers

Between work and their personal lives, your employees are busy. So we want to make things a little easier for them. With Blue View VisionSM, they have benefits that are easy to use and make it convenient for them to get care from independent, retail and online vision care specialists. Choose from over 38,000 eye doctors at over 27,000 locations nationwide. Online

Independent eye doctors and retail optical stores

Check out this list of other Blue View Vision retailers and vision care specialists in your plan. Choose from over 4,240+ regional eye care locations close to work and home. Abba Eye Care All About Eyes America’s Best Bard Optical Boscov’s Optical C&B Optical One Clarkson Eyecare Cohen’s Fashion Optical Crown Optical Devlyn Optical Doctor’s Vision Center Dr. Tavel Family Eye Care Drs. May & Hettler Eye Assoc. of New Mexico Eye Boutique Eyeglass World Eye-Mart Optical Outlet

FirstSight Vision Services For Eyes Optical Gulf Coast Optometry Heartland Vision Henry Ford OptimEyes Herslof Opticians ILORI Marion Eye Centers & Optical Meijer Optical Midwest Eye Consultants Midwest Vision Centers MyEyeDr. MyEyeLab National Vision Nationwide Vision Center Northeastern Eye Institute Oakley Store

We define retail providers as practices that have 20 or more locations. The retail providers listed here can be found in or nearby major shopping centers and offer night and weekend hours. Many also have on-site labs, which makes it easier for your employees to get their glasses in about an hour or even the same day.

Optical Shop of Aspen Optical Shoppe in Fred Meyer OPTYX Ossip Optometry Rx Optical Schaeffer Eye Center SEE, Inc. Shopko Eye Care Center Site for Sore Eyes Southwestern Eye Center Sterling Vision Care SVS Vision Texas State Optical Today’s Vision Union Eye Care US Vision Vision World Vogue Vision Centers Wing Eyecare Wisconsin Vision

 For more information

If your employees need help finding a vision care provider, let them know they can use the provider search at anthem.com.

Call your Anthem representative or broker.

Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Georgia: Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. HMO plans are administered by Anthem Health Plans of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWI), underwrites or administers PPO and indemnity policies and underwrites the out of network benefits in POS policies offered by Compcare Health Services Insurance Corporation (Compcare) or Wisconsin Collaborative Insurance Corporation (WCIC). Compcare underwrites or administers HMO or POS policies; WCIC underwrites or administers Well Priority HMO or POS policies. Independent licensees of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc. 108817MUEENABS 01/20

FY2027 Dental Rates - Ameritas Monthly Cost per tier (FT employees) Single (Employee only) Employee + One (Spouse or Child)

Employee + Children (2) Family

Total Monthly Premium

Employee Employer Cost Cost

$ $ $ $

37.28 75.44 94.32 132.48

20.00 40.00 40.00 53.00

$ $ $ $

17.28 35.44 54.32 79.48

FY2027 Vision Rates - Blue View Vision Monthly Cost per tier (FT employees) Single (Employee only) Employee + One (Spouse or Child)

Employee + Children (2) Family

Total Monthly Premium

Employee Employer Cost Cost

$ $ $ $

$ 3.00 $ 6.00 $ 7.00 $ 11.00

5.22 8.88 9.93 13.84

$ $ $ $

2.22 2.88 2.93 2.84

Click on the video below to learn more about Health Savings Accounts!

HEALTH SAVINGS ACCOUNT

Health Savings Account (HSA)

Enroll in an HSA and Start Saving Today. How an HSA Works

Easy Spending

y An HSA is a personal savings account that allows you to set aside pre-tax dollars for current and future healthcare expenses for you and your dependents.

Swipe your Flex Facts debit card to pay for eligible expenses or pay with your personal funds and reimburse yourself.

y You are eligible to open an HSA if you are enrolled in an HSAeligible high-deductible health plan. y Your HSA is funded by payroll deduction, online banking transfer or a direct contribution.

Common Eligible Expenses

y Use your funds to pay for current healthcare expenses, preserve your funds for tax-free growth, or invest your funds for long-term savings.

HSA Benefits

y Copays, deductibles, coinsurance y Prescriptions y Dental exams, x-rays, orthodontia

y HSA-eligible health plans typically have lower monthly premiums, giving you an opportunity to contribute those savings into an HSA. y Your HSA stays with you, even if you leave your employer.

y Vision exams, frames, contact lenses

y Unlike an FSA, unused funds stay in your account from year to year and earn interest tax-free.

y Physical therapy and chiropractic care y First aid kits

y Money goes in tax-free, grows tax-free and withdrawals are taxfree if used on eligible items.

y Over-the-counter medications y And much more…

y Once your account balance reaches $1,000, savings can be invested for growth, just like a 401k.

Click here for thousands of HSA eligible items!

Investing your HSA Funds A powerful tool for retirement savings y Maintain a $1,000 balance in your cash account to start investing. y Withdrawals for qualified medical expenses are tax-free. y Move your investment funds to your cash account at any time.

Helpful Hints y You must have funds in your HSA before you can spend them. y You can change your contribution amount at any time. y Save your receipts because the IRS may audit your HSA transactions. y You can claim a tax deduction for any direct contributions you make to your account with post-tax dollars.

IRS Contribution Limits for 2026 IndIvIduAL

FAmILy

$4,400

$8,750

If you are 55 or over, you can contribute an additional $1,000 annually. Register for the Flex Facts Participant Portal at www.flexfacts.com

Download the Flex Facts Mobile App at the App Store or Google Play.

THE HSA STORE Resources Available Through The HSA Store • The largest selection of guaranteed HSAeligible products • Phone and live chat support available 24 hours a day / 7 days a week

Eligibility List

FSA Calculator

Search comprehensive list of eligible products and services.

Estimate how much you can save with an HSA.

Learning Center

Savings Center

Easy tips and resources for living with an HSA.

Your funds go further with the HSA Store rewards program.

• Fast and free shipping on orders over $50 • Use your HSA card or any other major credit card for purchases

Your Health, Your Funds, Your Choice Take control of your health and wellness with guaranteed HSA-eligible essentials. Pierce Group Benefits partners with the HSA store to provide one convenient location for Heath Savings Account holders.

Click or Scan to Shop Now

Click on the video below to learn more about Flexible Spending Accounts!

FLEXIBLE SPENDING ACCOUNT

Medical FSA

Save up to $1,020 on medical expenses this year! Participating in an FSA is like receiving a 30% discount from your medical providers.

How does an FSA work?

Spending your FSA funds

A medical FSA is a flexible spending account that allows you to set aside pre-tax dollars for eligible medical, dental, and vision expenses for you and your dependents.

Swipe your Flex Facts debit card to pay for eligible expenses or pay with your personal funds and submit a claim for reimbursement.

Choose an annual election amount, up to $3,400*. This amount will be deducted from your paychecks in equal installments throughout the year. Your full election will be available for spending on the first day of the plan year!

Common eligible expenses

Why should I enroll in an FSA?

Almost everyone has some level of out of pocket medical costs. If you expect to incur medical expenses, you’ll want to take advantage of the savings this plan offers.

Money contributed to a healthcare FSA is free from federal and most state taxes. On average, participants enjoy a 30% tax savings on their annual contribution, saving up to $1,020 per year!

Helpful hints...

. . . . .

Your election can only be changed during the plan year if you experience a qualifying event. Save your receipts. You may need itemized invoices to verify card swipes or for claim reimbursements. If your employment terminates, your account will be terminated. Up to $680 of unused funds will rollover into the next plan year. Unused funds over this amount will be forfeited at the end of the plan year.

Reminder: You can't contribute to an FSA and HSA within the same plan year.

• • • • • • • • • •

Copays, deductible, coinsurance Doctor office visits, lab work, x-rays Hospital charges Dental and orthodontia Vision exams, glasses, contact lenses, laser vision correction Physical therapy Chiropractic care Medical supplies and first aid kits Rx and over-the-counter meds And much more... Visit http://fsastore.com/ FlexfactsEL for full list.

Download our app Search 'Flex Facts' on the App Store or Google Play. *based on 2026 IRS Contribution Limit.

Please note: Your employer may limit the maximum annual limit to a lesser amount.

Questions? Contact us at info@flexfacts.com or 877-943-2287

THE FSA STORE Resources Available Through The FSA Store • The largest selection of guaranteed FSAeligible products • Phone and live chat support available 24 hours a day / 7 days a week

Eligibility List Search comprehensive list of eligible products and services.

FSA Calculator Estimate how much you can save with an FSA.

Learning Center Easy tips and resources for living with an FSA.

Savings Center Your funds go further with the FSA Store rewards program.

• Fast and free shipping on orders over $50 • Use your FSA card or any other major credit card for purchases

Your Health, Your Funds, Your Choice Take control of your health and wellness with guaranteed FSA-eligible essentials. Pierce Group Benefits partners with the FSA store to provide one convenient location for Flexible Spending Account holders.

Click or Scan to Shop Now

Click on the video below to learn more about Dependent Care Accounts!

DEPENDENT CARE ACCOUNT

Dependent Care FSA

Save up to $2,250 on dependent care expenses this year! Participating in a dependent care FSA is like receiving a 30% discount from your care providers.

How does a DCA work?

Spending your funds

A dependent care FSA (DCA) is a flexible spending account that allows you to set aside pre-tax dollars for dependent care expenses that allow you to work or look for work. This includes daycares, babysitters and before/after school care.

Choose an annual election amount, up to $7,500/ family. This amount will be deducted from your paychecks in equal installments throughout the year.

Qualifying Dependents* • Your qualifying child under age 13

Why should I enroll in an DCA?

Child and dependent care is a large expense for many families. If you pay for care of dependents in order to work, you’ll want to take advantage of the savings this plan offers. Money contributed to a dependent care FSA (DCA) is free from federal and most state taxes. On average, participants enjoy a 30% tax savings on their annual contribution, saving up to $2,250 per year!

. . . ..

Swipe your Flex Facts debit card to pay for eligible expenses or pay with your personal funds and submit a claim for reimbursement.

Helpful hints... Funds will be made available in your DCA account, as deductions are taken each payroll. Your election can only be changed during the plan year if you experience a qualifying event. Save your receipts. You may need itemized invoices to verify card swipes or for claim reimbursements. If your employment terminates, your account will be terminated. You will have an additional 2.5 month grace period to spend your DCA funds after the plan ends. Be sure to spend your funds by then, as unspent funds will be forfeited.

• Your spouse or qualifying adult child or relative who is physically or mentally incapable of self-care

Eligible Expenses • Before school or after school care for children 12 and younger • Custodial care for adult dependents • Licensed day care centers • Nanny / Au Pair • Nursery Schools or preschools • Late Pick-up fees • Summer or Holiday day camps A full list of eligible expenses can be found at www.flexfacts.com.

Download our app Search 'Flex Facts' on the App Store or Google Play.

*additional restrictions may apply. See Internal Revenue Code Section 152.

Questions? Contact us at info@flexfacts.com or 877-943-2287

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 How would cancer impact your way of life? Hopefully, you and your family will never face cancer. If you do, a financial safety net can help you and your loved ones focus on what matters most — recovery. If you were diagnosed with cancer, you could have expenses that medical insurance doesn’t cover. In addition to your regular, ongoing bills, you could have indirect treatment and recovery costs, such as child care and home health care services.

Help when you need it most Cancer coverage from Colonial Life & Accident Insurance Company can help protect the lifestyle you’ve worked so hard to build. It provides benefits you can use to help cover: ■ Loss of income ■ Out-of-network treatment ■ Lodging and meals ■ Deductibles and co-pays

CANCER ASSIST

One family’s journey

Paul and Kim were preparing for their second child when they learned Paul had cancer. They quickly realized their medical insurance wouldn’t cover everything. Thankfully, Kim’s job enabled her to have a cancer insurance policy on Paul to help them with expenses.

SECOND OPINION

SURGERY

Travel expenses

Out-of-pocket costs

When the couple traveled several hundred miles from their home to a top cancer hospital, they used the policy’s lodging and transportation benefits to help with expenses.

The policy’s benefits helped with deductibles and co-pays related to Paul’s surgery and hospital stay.

For illustrative purposes only

With cancer insurance: ■ Coverage options are available for you

and your eligible dependents. ■ Benefits are paid directly to you, unless

you specify otherwise. ■ You’re paid regardless of any insurance

you may have with other companies. ■ You can take coverage with you, even if you

change jobs or retire.

ONLY of ALL

CANCERS are

hereditary.

American Cancer Society, Cancer Facts & Figures, 2013

Cancer insurance provides benefits to help with cancer expenses — from diagnosis to recovery.

TREATMENT

RECOVERY

Experimental care

Follow-up evaluations

Paul used his plan’s benefits to help pay for experimental treatments not covered by his medical insurance.

Paul has been cancer-free for more than four years. His cancer policy provides a benefit for periodic scans to help ensure the cancer stays in check.

Our cancer insurance offers more than 30 benefits that can help you with costs that may not be covered by your medical insurance. Treatment benefits

(inpatient or outpatient)

Surgery benefits ■ Surgical procedures

■ Radiation/chemotherapy

■ Anesthesia

■ Anti-nausea medication

■ Reconstructive surgery

■ Medical imaging studies

■ Outpatient surgical center

■ Supportive or protective care drugs

■ Prosthetic device/artificial limb

and colony stimulating factors ■ Second medical opinion

Travel benefits

■ Blood/plasma/platelets/

■ Transportation

immunoglobulins ■ Bone marrow or peripheral stem

■ Companion transportation ■ Lodging

LIFETIME RISK OF DEVELOPING CANCER

MEN 1 in 2

cell donation ■ Bone marrow or peripheral stem

cell transplant ■ Egg(s) extraction or harvesting/

sperm collection and storage ■ Experimental treatment ■ Hair/external breast/voice

box prosthesis ■ Home health care services ■ Hospice (initial or daily care)

Inpatient benefits ■ Hospital confinement ■ Private full-time nursing services ■ Skilled nursing care facility ■ Ambulance ■ Air ambulance

Additional benefits WOMEN

■ Family care

1 in 3

■ Cancer vaccine ■ Bone marrow donor screening ■ Skin cancer initial diagnosis ■ Waiver of premium

American Cancer Society, Cancer Facts & Figures, 2013

Optional riders For an additional cost, you may have the option of purchasing additional riders for even more financial protection against cancer. Talk with your benefits counselor to find out which of these riders are available for you to purchase. ■ Diagnosis of cancer rider — Pays a one-time, lump-sum benefit for the

ColonialLife.com

initial diagnosis of cancer. You may choose a benefit amount in $1,000 increments between $1,000 and $10,000. If your dependent child is diagnosed with cancer, we will pay two and a half times ($2,500 - $25,000) the chosen benefit amount. ■ Diagnosis of cancer progressive payment rider — Provides a lump-sum

payment of $50 for each month the rider has been in force and before cancer is first diagnosed. ■ Specified disease hospital confinement rider — Pays $300 per day if

you or a covered family member is confined to a hospital for treatment for one of the 34 specified diseases covered under the rider.

If cancer impacts your life, you should be able to focus on getting better — not on how you’ll pay your bills. Talk with your Colonial Life benefits counselor about how cancer insurance can help provide financial security for you and your family.

PRE-EXISTING CONDITION LIMITATION We will not pay benefits for the diagnosis of internal cancer or skin cancer that is a pre-existing condition, nor will we pay benefits for the treatment of internal cancer or skin cancer that is a pre-existing condition unless the covered person has satisfied the six-month pre-existing condition limitation period shown on the Policy Schedule. Pre-existing condition means a condition for which a covered person was diagnosed prior to the effective date of this policy, and for which medical advice or treatment was recommended by or received from a doctor within six months immediately preceding the effective date of this policy. EXCLUSIONS We will not pay benefits for cancer or skin cancer: ■ If the diagnosis or treatment of cancer is received outside of the territorial limits of the United States and its possessions; or ■ For other conditions or diseases, except losses due directly from cancer. 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. Applicable to policy form CanAssist-VA and rider forms R-CanAssistIndx-VA, R-CanAssistProg-VA and R-CanAssistSpDis-VA. ©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.

1-16 | 101481-VA

Cancer Insurance Level 4 Benefits BENEFIT DESCRIPTION

Cancer insurance helps provide financial protection through a variety of benefits. These benefits are not only for you but also for your covered family members.

BENEFIT AMOUNT

Air ambulance . . . .............................................................................. $2,000 per trip

Transportation to or from a hospital or medical facility [max. of two trips per confinement]

Ambulance . . . . . . ............................................................................... $250 per trip Transportation to or from a hospital or medical facility [max. of two trips per confinement]

Anesthesia

Administered during a surgical procedure for cancer treatment ■ General anesthesia ......................................................................... 25% of surgical procedures benefit ■ Local anesthesia............................................................................ $50 per procedure

Anti-nausea medication ..................................................................... $60 per day administered or Doctor-prescribed medication for radiation or chemotherapy [$240 monthly max.]

per prescription filled

Blood/plasma/platelets/immunoglobulins .............................................. $250 per day A transfusion required during cancer treatment [$10,000 calendar year max.]

Bone marrow donor screening ............................................................. $50 Testing in connection with being a potential donor [once per lifetime]

Bone marrow or peripheral stem cell donation ......................................... $1,000 Receiving another person’s bone marrow or stem cells for a transplant [once per lifetime]

Bone marrow or peripheral stem cell transplant ....................................... $10,000 per transplant

Transplant you receive in connection with cancer treatment [max. of two bone marrow transplant benefits per lifetime]

Cancer vaccine. . . .............................................................................. $50 An FDA-approved vaccine for the prevention of cancer [once per lifetime]

Companion transportation ................................................................. $0.50 per mile

Companion travels by plane, train or bus to accompany a covered cancer patient more than 50 miles one way for treatment [up to $1,500 per round trip]

Egg(s) extraction or harvesting/sperm collection and storage

Extracted/harvested or collected before chemotherapy or radiation [once per lifetime] ■ Egg(s) extraction or harvesting/sperm collection ......................................... $1,500 ■ Egg(s) or sperm storage (cryopreservation) ............................................... $500

Experimental treatment ..................................................................... $300 per day Hospital, medical or surgical care for cancer [$15,000 lifetime max.]

For more information, talk with your benefits counselor.

Family care . . . . . . ............................................................................... $60 per day Inpatient or outpatient treatment for a covered dependent child [$3,000 calendar year max.]

Hair/external breast/voice box prosthesis ............................................... $500 per calendar year Prosthesis needed as a direct result of cancer

Home health care services .................................................................. $175 per day Examples include physical therapy, occupational therapy, speech therapy and audiology; prosthesis and orthopedic appliances; rental or purchase of durable medical equipment [up to 100 days per covered person per lifetime]

Hospice (initial or daily care)

An initial, one-time benefit and a daily benefit for treatment [$15,000 lifetime max. for both] ■ Initial hospice care [once per lifetime] ..................................................... $1,000 ■ Daily hospice care .......................................................................... $50 per day

CANCER ASSIST – LEVEL 4

BENEFIT DESCRIPTION

BENEFIT AMOUNT

Hospital confinement

Hospital stay (including intensive care) required for cancer treatment ■ 30 days or less . . ........................................................................................ $350 per day ■ 31 days or more ........................................................................................ $700 per day

Lodging . . . . . . . . . . . . ......................................................................................... $80 per day Hotel/motel expenses when being treated for cancer more than 50 miles from home [70-day calendar year max.]

Medical imaging studies ................................................................................. $225 per study

Specific studies for cancer treatment [$450 calendar year max.]

Outpatient surgical center .............................................................................. $400 per day Surgery at an outpatient center for cancer treatment [$1,200 calendar year max.]

Private full-time nursing services ...................................................................... $150 per day Services while hospital confined other than those regularly furnished by the hospital

Prosthetic device/artificial limb ........................................................................ $3,000 per device or limb A surgical implant needed because of cancer surgery [payable one per site, $6,000 lifetime max.]

Radiation/chemotherapy

[per day with a max. of one per calendar week] ■ Injected chemotherapy by medical personnel ........................................................ $1,000 ■ Radiation delivered by medical personnel ............................................................ $1,000 [per day with a max. of one per calendar month] ■ Self-injected . . . ......................................................................................... $400 ■ Pump . . . . . . . . . . ......................................................................................... $400 ■ Topical . . . . . . . . . . ........................................................................................ $400 ■ Oral hormonal [1-24 months] .......................................................................... $400 ■ Oral hormonal [25+ months] ........................................................................... $350 ■ Oral non-hormonal ..................................................................................... $400

Reconstructive surgery .................................................................................. $60 per surgical unit

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A surgery to reconstruct anatomic defects that result from cancer treatment [min. $350 per procedure, up to $3,000, including 25% for general anesthesia]

Second medical opinion ................................................................................. $300

A second physician’s opinion on cancer surgery or treatment [once per lifetime]

Skilled nursing care facility ............................................................................. $175 per day Confinement to a covered facility after hospital release [up to 100 days per covered person per lifetime]

Skin cancer diagnosis .................................................................................... $600 A skin cancer diagnosis while the policy is in force [once per lifetime]

Supportive or protective care drugs and colony stimulating factors ........................... $200 per day Doctor-prescribed drugs to enhance or modify radiation/chemotherapy treatments [$1,600 calendar year max.]

Surgical procedures ...................................................................................... $70 per surgical unit Inpatient or outpatient surgery for cancer treatment [min. $350 per procedure, up to $6,000]

Transportation . . . . ........................................................................................ $0.50 per mile

Travel expenses when being treated for cancer more than 50 miles from home [up to $1,500 per round trip]

Waiver of premium ....................................................................................... Is available No premiums due if the named insured is disabled longer than 90 consecutive days

The policy has limitations and exclusions that may affect benefits payable. Most benefits require that a charge be incurred. Coverage may vary by state and may not be available in all states. For cost and complete details, see your benefits counselor. This chart highlights the benefits of policy forms CanAssist-NJ and CanAssist-VA. This chart is not complete without form 101505-NJ or 101481-VA.

©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.

1-16 | 101485-NJ-VA

Individual Cancer Insurance Description of Benefits THE POLICY PROVIDES LIMITED BENEFITS. 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-VA and rider forms R-CanAssistIndx-VA, R-CanAssistProg-VA and R-CanAssistSpDis-VA. Cancer Insurance Benefits Level 1 Level 2 Level 3 Level 4 Air Ambulance, per trip $2,000 $2,000 $2,000 $2,000 Maximum trips per confinement 2 2 2 2 Ambulance, per trip $250 $250 $250 $250 Maximum trips per confinement 2 2 2 2 Anesthesia, General 25% of Surgical Procedures Benefit Anesthesia, Local, per procedure $25 $30 $40 $50 Anti-Nausea Medication, per day $25 $40 $50 $60 Maximum per month $100 $160 $200 $240 Blood/Plasma/Platelets/Immunoglobulins, per day $150 $150 $175 $250 Maximum per year $10,000 $10,000 $10,000 $10,000 Bone Marrow or Peripheral Stem Cell Donation, per lifetime $500 $500 $750 $1,000 Bone Marrow or Peripheral Stem Cell Transplant, per transplant $3,500 $4,000 $7,000 $10,000 Maximum transplants per lifetime 2 2 2 2 Companion Transportation, per mile $0.50 $0.50 $0.50 $0.50 Maximum per round trip $1,000 $1,000 $1,200 $1,500 Egg(s) Extraction or Harvesting or Sperm Collection, per lifetime $500 $700 $1,000 $1,500 Egg(s) or Sperm Storage, per lifetime $175 $200 $350 $500 Experimental Treatment, per day $200 $250 $300 $300 Maximum per lifetime $10,000 $12,500 $15,000 $15,000 Family Care, per day $30 $40 $50 $60 Maximum per year $1,500 $2,000 $2,500 $3,000 Hair/External Breast/Voice Box Prosthesis, per year $200 $200 $350 $500 Home Health Care Services, per day $50 $75 $125 $175 Benefit payable for at least and not more than 100 days per covered person per lifetime Hospice, Initial, per lifetime $1,000 $1,000 $1,000 $1,000 Hospice, Daily $50 $50 $50 $50 Maximum combined Initial and Daily per lifetime $15,000 $15,000 $15,000 $15,000 Hospital Confinement, 30 days or less, per day $100 $150 $250 $350 Hospital Confinement, 31 days or more, per day $200 $300 $500 $700 Benefit payable for up to 365 days per covered person per calendar year. Lodging, per day $50 $50 $75 $80 Maximum days per year 70 70 70 70 Medical Imaging Studies, per study $75 $125 $175 $225 Maximum per year $150 $250 $350 $450 Outpatient Surgical Center, per day $100 $200 $300 $400 Maximum per year $300 $600 $900 $1,200 Private Full-time Nursing Services, per day $50 $75 $125 $150 Prosthetic Device/Artificial Limb, per device or limb $1,000 $1,500 $2,000 $3,000 Maximum per lifetime $2,000 $3,000 $4,000 $6,000

Cancer Insurance Benefits Level 1 Level 2 Level 3 Level 4 Radiation/Chemotherapy Benefit payable period can exceed but will not be less than 365 days per covered person per lifetime Injected chemotherapy by medical personnel, per day with a $250 $500 $750 $1,000 maximum of one per calendar week Radiation delivered by medical personnel, per day with a $250 $500 $750 $1,000 maximum of one per calendar week Self-Injected Chemotherapy, per day with a maximum of one per $150 $200 $300 $400 calendar month Pump Chemotherapy, per day with a maximum of one per $150 $200 $300 $400 calendar month Topical Chemotherapy, per day with a maximum of one per $150 $200 $300 $400 calendar month Oral Hormonal Chemotherapy (1-24 months), per day with a $150 $200 $300 $400 maximum of one per calendar month Oral Hormonal Chemotherapy (25+ months), per day with a $100 $150 $250 $350 maximum of one per calendar month Oral Non-Hormonal Chemotherapy, per day with a maximum of $150 $200 $300 $400 one per calendar month Reconstructive Surgery, per surgical unit $40 $40 $60 $60 Minimum per procedure $100 $150 $250 $350 Maximum per procedure, including 25% for general anesthesia $2,500 $2,500 $3,000 $3,000 Second Medical Opinion, per lifetime $150 $200 $300 $300 Skilled Nursing Care Facility, per day, up to days confined $50 $75 $125 $175 Benefit payable for at least and not more than 100 days per covered person per lifetime Skin Cancer Initial Diagnosis $300 $300 $400 $600 Supportive/Protective Care Drugs/Colony Stimulating Factors, per day $50 $100 $150 $200 Maximum per year $400 $800 $1,200 $1,600 Surgical Procedures $40 $50 $60 $70 Minimum per procedure $100 $150 $250 $350 Maximum per procedure $2,500 $3,000 $5,000 $6,000 Transportation $0.50 $0.50 $0.50 $0.50 Maximum per round trip $1,000 $1,000 $1,200 $1,500 Waiver of Premium Yes Yes Yes Yes Additional Riders may be available at an additional cost What is not covered by the policy Pre-Existing Condition Limitation We will not pay benefits for the diagnosis of internal cancer or skin cancer that is a pre-existing condition nor will we pay benefits for the treatment of internal cancer or skin cancer that is a preexisting condition, unless the covered person has satisfied the six-month pre-existing condition limitation period. Pre-existing condition means a condition for which a covered person was diagnosed prior to the effective date of the policy and for which medical advice or treatment was recommended by or received from a doctor within six months immediately preceding the effective date of the policy. We will not pay benefits for cancer or skin cancer: ■ If the diagnosis or treatment of cancer is received outside of the territorial limits of the United States and its possessions; or ■ For other conditions or diseases, except losses due directly from cancer.

Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2018 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. ADR1962-2018

CANCER BENEFIT PREMIUMS LEVEL 1 - Composite Rates

12-Pay Premium

Employee

Employee/Spouse

One-Parent Family

Two-Parent Family

$11.45

$18.25

$11.60

$18.40

LEVEL 2 - Composite Rates

12-Pay Premium

Employee

Employee/Spouse

One-Parent Family

Two-Parent Family

$15.00

$23.50

$15.30

$23.80

LEVEL 3 - Composite Rates

12-Pay Premium

Employee

Employee/Spouse

One-Parent Family

Two-Parent Family

$20.00

$34.05

$20.45

$34.50

LEVEL 4 - Composite Rates

12-Pay Premium

Employee

Employee/Spouse

One-Parent Family

Two-Parent Family

$28.95

$49.05

$29.55

$49.65

One-Parent Family

Two-Parent Family

$1.75

$1.25

$1.75

$2.50

$1.60

$2.60

$7.80

$17.05

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

Group Critical Illness Insurance Plan 1

When life takes an unexpected turn due to a critical illness diagnosis, your focus should be on recovery — not finances. Colonial Life’s group critical illness insurance helps provide financial support by providing a lump-sum benefit payable directly to you for your greatest needs.

An unexpected moment changes life forever

Coverage amount: ____________________________

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.

Critical illness benefit

HOW CHRIS’S COVERAGE HELPED

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.

COVERED CONDITION¹

PERCENTAGE OF APPLICABLE COVERAGE AMOUNT

Benign brain tumor

100%

Coma

100%

End stage renal (kidney) failure

100%

Heart attack (myocardial infarction)

100%

Loss of hearing

100%

Loss of sight

100%

Loss of speech

100%

Major organ failure requiring transplant

100%

Occupational infectious HIV or occupational infectious hepatitis B, C, or D

100%

Permanent paralysis due to a covered accident

100%

Stroke

100%

Sudden cardiac arrest

100%

Coronary artery disease

25%

GCI6000 – PLAN 1 – CRITICAL ILLNESS

KEY BENEFITS

Available coverage for spouse and eligible dependent children at 50% of your coverage amount Cover your eligible dependent children at no additional cost Receive coverage regardless of medical history, within specified limits Works alongside your health savings account (HSA) Benefits payable regardless of other insurance

For more information, talk with your benefits counselor.

Subsequent diagnosis of a different critical illness2 If you receive a benefit for a critical illness, and are later diagnosed with a different critical illness, 100% of the coverage amount may be payable for that particular critical illness.

Subsequent diagnosis of the same critical illness2 If you receive a benefit for a critical illness, and are later diagnosed with the same critical illness,3 25% of the coverage amount may be payable for that critical illness.

Additional covered conditions for dependent children PERCENTAGE OF APPLICABLE COVERAGE AMOUNT

COVERED CONDITION¹

Cerebral palsy

100%

Cleft lip or palate

100%

Cystic fibrosis

100%

Down syndrome

100%

Spina bifida

100%

Preparing for the unexpected is simpler than you think. With Colonial Life, youʼll have the support you need to face lifeʼs toughest challenges.

1. Refer to the certificate for complete definitions of covered conditions. 2. Dates of diagnoses of a covered critical illness must be separated by more than 180 days. 3. Critical illnesses that do not qualify include: coronary artery disease, loss of hearing, loss of sight, loss of speech, and occupational infectious HIV or occupational infectious hepatitis B,C,or D. THIS INSURANCE PROVIDES LIMITED BENEFITS Insureds in MA must be covered by comprehensive health insurance before applying for this coverage.

EXCLUSIONS AND LIMITATIONS FOR CRITICAL ILLNESS

We will not pay the Critical Illness Benefit, Benefits Payable Upon Subsequent Diagnosis of a Critical Illness or Additional Critical Illness Benefit for Dependent Children that occurs as a result of a covered person’s: alcoholism or drug addiction; felonies or illegal occupations; intoxicants and narcotics; suicide or injuring oneself intentionally, whether sane or not; war or armed conflict; or pre-existing condition, unless the covered person has satisfied the pre-existing condition limitation period shown on the Certificate Schedule on the date the covered person is diagnosed with a critical illness.

ColonialLife.com

PRE-EXISTING CONDITION LIMITATION

We will not pay a benefit for a pre-existing condition that occurs during the 12-month period after the coverage effective date. Pre-existing condition means a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within 12 months before the coverage effective date. 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 GCI6000-P and certificate form GCI6000-C (including state abbreviations where used, for example: GCI6000-C-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. ©2020 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

5-20 | 385403

Group Critical Illness Insurance Plan 2

When life takes an unexpected turn, your focus should be on recovery — not finances. Colonial Life’s group critical illness insurance helps relieve financial worries by providing a lump-sum benefit payable directly to you to use as needed.

Preparing for a lifelong journey Rebecca was born with Down syndrome. Her parents’ critical illness coverage provided a benefit that can help cover expenses related to Rebecca’s care and her changing needs. HOW THEIR COVERAGE HELPED

The lump-sum amount from the family coverage benefit helped pay for:

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

Special needs daycare

Coverage amount: ____________________________

Critical illness and cancer benefits COVERED CRITICAL ILLNESS CONDITION¹

Benign brain tumor

100%

Coma

100%

End stage renal (kidney) failure

100%

Heart attack (myocardial infarction)

100%

Loss of hearing

100%

Loss of sight

100%

Loss of speech

100%

Major organ failure requiring transplant

100%

Occupational infectious HIV or occupational infectious hepatitis B, C, or D

100%

Permanent paralysis due to a covered accident

100%

Stroke

100%

Sudden cardiac arrest

100%

Coronary artery disease

25%

COVERED CANCER CONDITION¹ For illustrative purposes only.

PERCENTAGE OF APPLICABLE COVERAGE AMOUNT

Invasive cancer (including all breast cancer)

100%

Non-invasive cancer

25%

Skin cancer initial diagnosis ............................................................ $400 per lifetime 67

GCI6000 – PLAN 2 – CRITICAL ILLNESS AND CANCER

KEY BENEFITS

Reoccurrence of invasive cancer (including all breast cancer) If you receive a benefit for invasive cancer and are later diagnosed with a reoccurrence of invasive cancer, 25% of the coverage amount is payable if treatment-free for at least 12 months and in complete remission prior to the date of reoccurrence; excludes non-invasive or skin cancer.

Additional covered conditions for dependent children PERCENTAGE OF APPLICABLE COVERAGE AMOUNT

COVERED CONDITION¹

Cerebral palsy

100%

Cleft lip or palate

100%

Cystic fibrosis

100%

Down syndrome

100%

Spina bifida

100%

Preparing for the unexpected is simpler than you think. With Colonial Life, youʼll have the support you need to face lifeʼs toughest challenges. 1. Refer to the certificate for complete definitions of covered conditions. 2. Dates of diagnoses of a covered critical illness must be separated by more than 180 days. 3. Critical illnesses that do not qualify include: coronary artery disease, loss of hearing, loss of sight, loss of speech, and occupational infectious HIV or occupational infectious hepatitis B,C,or D.

For more information, talk with your benefits counselor.

THIS INSURANCE PROVIDES LIMITED BENEFITS Insureds in MA must be covered by comprehensive health insurance before applying for this coverage.

EXCLUSIONS AND LIMITATIONS FOR CRITICAL ILLNESS

EXCLUSIONS AND LIMITATIONS FOR CANCER

We will not pay the Invasive Cancer (including all Breast Cancer) Benefit, Non-Invasive Cancer Benefit, Benefit Payable Upon Reoccurrence of Invasive Cancer (including all Breast Cancer) or Skin Cancer Initial Diagnosis Benefit for a covered person’s invasive cancer or non-invasive cancer that: is diagnosed or treated outside the territorial limits of the United States, its possessions, or the countries of Canada and Mexico; is a pre-existing condition, unless the covered person has satisfied the pre-existing condition limitation period shown on the Certificate Schedule on the date the covered person is initially diagnosed as having invasive or non-invasive cancer. No pre-existing condition limitation will be applied for dependent children who are born or adopted while the named insured is covered under the certificate, and who are continuously covered from the date of birth or adoption.

PRE-EXISTING CONDITION LIMITATION

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 insurance has exclusions and limitations which may affect any benefits payable. Applicable to policy form GCI6000-P and certificate form GCI6000-C (including state abbreviations where used, for example: GCI6000-C-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 ©2020 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

5-20 | 387100

Group Critical Illness Insurance First Diagnosis Building Benefit Rider

The first diagnosis building benefit rider provides a lump-sum payment in addition to the coverage amount when you are diagnosed with a covered critical illness or invasive cancer (including all breast cancer). This benefit is for you and all your covered family members.

First diagnosis building benefit Payable once per covered person per lifetime

¾ Named insured ............................................................ Accumulates $1,000 each year ¾ Covered spouse/dependent children ............................... Accumulates $500 each year The benefit amount accumulates each rider year the rider is in force before a diagnosis is made, up to a maximum of 10 years.

For more information, talk with your benefits counselor.

If diagnosed with a covered critical illness or invasive cancer (including all breast cancer) before the end of the first rider year, the rider will provide one-half of the annual building benefit amount. Coronary artery disease is not a covered critical illness. Non-invasive and skin cancer are not covered cancer conditions.

ColonialLife.com

THIS INSURANCE 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 insurance has exclusions and limitations which may affect any benefits payable. Applicable to policy form GCI6000-P and certificate form GCI6000-C (including state abbreviations where used, for example: GCI6000-C-TX) and rider form R-GCI6000-BB. 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. ©2020 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

GCI6000 – FIRST DIAGNOSIS BUILDING BENEFIT RIDER | 5-20 | 387381

Group 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 which can be used toward health care expenses or meeting day-today needs. These benefits are for you as well as your covered family members.

Payable for each covered infectious disease once per covered person per lifetime COVERED INFECTIOUS DISEASE¹

PERCENTAGE OF APPLICABLE COVERAGE AMOUNT

Hospital confinement for seven or more consecutive days for treatment of the disease

For more information, talk with your benefits counselor.

ColonialLife.com

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%

Hospital confinement for 14 or more consecutive days for treatment of the disease Coronavirus disease 2019 (COVID-19)

25%

GCI6000 – INFECTIOUS DISEASES RIDER

1. Refer to the certificate for complete definitions of covered diseases. THIS INSURANCE PROVIDES LIMITED BENEFITS.

EXCLUSIONS AND LIMITATIONS FOR INFECTIOUS DISEASES RIDER

ColonialLife.com

We will not pay benefits for a covered infectious disease that occurs as a result of a covered person’s: alcoholism or drug addiction; felonies or illegal occupations; intoxicants and narcotics; suicide or injuring oneself intentionally, whether sane or not; war or armed conflict; or pre-existing condition, unless the covered person has satisfied the pre-existing condition limitation period shown on the Certificate Schedule on the date the covered person is diagnosed with a covered infectious disease.

PRE-EXISTING CONDITION LIMITATION

We will not pay a benefit for a pre-existing condition that occurs during the 12-month period after the coverage effective date. Pre-existing condition means a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within 12 months before the coverage effective date. 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 GCI6000-P and certificate form GCI6000-C (including state abbreviations where used, for example: GCI6000-C-TX) and rider form R-GCI6000-INF. 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. ©2020 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

5-20 | 387523

Group 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. These benefits are for you as well as your covered family members. Payable for each covered progressive disease once per covered person per lifetime PERCENTAGE OF APPLICABLE COVERAGE AMOUNT

COVERED PROGRESSIVE DISEASE¹

This benefit is payable if the covered person is unable to perform two or more activities of daily living2 and the 90-day elimination period has been met.

For more information, talk with your benefits counselor.

ColonialLife.com

Amyotrophic Lateral Sclerosis (ALS)

25%

Dementia (including Alzheimer’s disease)

25%

Huntington’s disease

25%

Lupus

25%

Multiple sclerosis (MS)

25%

Muscular dystrophy

25%

Myasthenia gravis (MG)

25%

Parkinson’s disease

25%

Systemic sclerosis (scleroderma)

25%

1. Refer to the certificate for complete definitions of covered diseases. 2. Activities of daily living include bathing, continence, dressing, eating, toileting and transferring. THIS INSURANCE PROVIDES LIMITED BENEFITS.

EXCLUSIONS AND LIMITATIONS FOR PROGRESSIVE DISEASES RIDER

We will not pay benefits for a covered progressive disease that occurs as a result of a covered person’s: alcoholism or drug addiction; felonies or illegal occupations; intoxicants and narcotics; suicide or injuring oneself intentionally, whether sane or not; war or armed conflict; or pre-existing condition, unless the covered person has satisfied the preexisting condition limitation period shown on the Certificate Schedule on the date the covered person is diagnosed with a covered progressive disease.

PRE-EXISTING CONDITION LIMITATION We will not pay a benefit for a pre-existing condition that occurs during the 12-month period after the coverage effective date. Pre-existing condition means a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within 12 months before the coverage effective date. 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 GCI6000-P and certificate form GCI6000-C (including state abbreviations where used, for example: GCI6000-C-TX) and rider form R-GCI6000-PD. 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. ©2020 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

GCI6000 – PROGRESSIVE DISEASES RIDER | 5-20 | 387594

CRITICAL ILLNESS BENEFIT PREMIUMS Plan 1 - Critical Illness 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

$0.22

$0.31

$0.22

$0.31

25-29

12-Pay Premium

$0.30

$0.43

$0.30

$0.43

30-34

12-Pay Premium

$0.38

$0.55

$0.38

$0.55

35-39

12-Pay Premium

$0.57

$0.85

$0.57

$0.85

40-44

12-Pay Premium

$0.77

$1.14

$0.77

$1.14

45-49

12-Pay Premium

$1.08

$1.65

$1.08

$1.65

50-54

12-Pay Premium

$1.44

$2.23

$1.44

$2.23

55-59

12-Pay Premium

$1.90

$2.94

$1.90

$2.94

60-64

12-Pay Premium

$2.60

$4.02

$2.60

$4.02

65-69

12-Pay Premium

$2.84

$4.38

$2.84

$4.38

70-74

12-Pay Premium

$3.27

$5.04

$3.27

$5.04

One-Parent Family $6.65

Two Parent Family $10.35

Wellbeing Assistance Benefit Rates by wellbeing amount = 1 unit Wellbeing Amount $100

12-Pay Premium

Named Insured $6.65

Employee & Spouse $10.35

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

$0.40

$0.57

$0.40

$0.57

25-29

12-Pay Premium

$0.57

$0.83

$0.57

$0.83

30-34

12-Pay Premium

$0.75

$1.09

$0.75

$1.09

35-39

12-Pay Premium

$1.15

$1.70

$1.15

$1.70

40-44

12-Pay Premium

$1.55

$2.30

$1.55

$2.30

45-49

12-Pay Premium

$2.21

$3.32

$2.21

$3.32

50-54

12-Pay Premium

$2.86

$4.34

$2.86

$4.34

55-59

12-Pay Premium

$3.76

$5.71

$3.76

$5.71

60-64

12-Pay Premium

$5.13

$7.79

$5.13

$7.79

65-69

12-Pay Premium

$6.29

$9.57

$6.29

$9.57

70-74

12-Pay Premium

$6.29

$9.57

$6.29

$9.57

One-Parent Family $6.65

Two Parent Family $10.35

Wellbeing Assistance Benefit Rates by wellbeing amount = 1 unit Wellbeing Amount $100

12-Pay Premium

Named Insured $6.65

Employee & Spouse $10.35

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

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

DISABILITY BENEFITS

Individual Short-Term Disability Insurance You never know when a disability could impact your way of life. Fortunately, there’s a way to help protect your income. If an accident or sickness prevents you from earning a paycheck, disability insurance can provide a monthly benefit to help you cover your ongoing expenses.

Can you afford to not protect your paycheck? You don’t have the same lifestyle expenses as the next person. That’s why you need disability coverage that can be customized to fit your specific needs. After calculating your monthly expenses, your benefits counselor can help you complete the benefits worksheet. ESTIMATED MONTHLY EXPENSES

ColonialLife.com

AMOUNT

Mortgage or rent

Utilities (electric/gas, phone, water, TV, Internet)

Transportation costs (gas, car payments)

Food

Health (medical needs and prescription drugs)

Other

TOTAL

Benefits worksheet How much coverage do I need? Monthly benefit amount for off-job accident and off-job sickness: ______________ Choose a monthly benefit amount between $400 and $6,500.* If your plan includes on-job accident/sickness benefits, the benefit is 50% of the off-job amount.

How long will I receive benefits? Benefit period: _______ months The partial disability benefit period is three months.

When will my total disability benefits start? After an accident: _______ days

After a sickness: _______ days

*Subject to income requirements

ISTD3000 BASE

Product information Total disability definition Totally disabled or total disability means you are: unable to perform the material and substantial duties of your job, not working at any job, and under the regular and appropriate care of a physician. How partial disability works If you are able to return to work part-time after at least 14 days of being paid for a total disability, you may be able to still receive 50% of your total disability benefit. Waiver of premium We will waive your premium payments after 90 consecutive days of a covered disability. Geographical limitations If you are disabled while outside of the United States, Canada or Mexico, you may receive benefits for up to 60 days before you have to return to the U.S. in order to continue receiving benefits. Issue age Coverage is available from ages 17 to 74. Keep your coverage You can keep your coverage to age 75 at no additional cost, even if you change jobs, as long as you pay your premiums when they are due. Premium Your premium is based on your age when you purchase coverage and the amount of coverage you are eligible to buy. Your premium will not change as you age.*

For more information, talk with your benefits counselor.

EXCLUSIONS AND LIMITATIONS We will not pay benefits for losses that are caused by, contributed to by or occur as the result of: alcoholism or drug addiction, aviation, cosmetic surgery, felonies or illegal occupations, intoxicants and narcotics, psychiatric or psychological conditions, suicide or injuries which you intentionally do to yourself, war or armed conflict. We will not pay for losses due to you giving birth within the first nine months after the coverage effective date of the policy. We will not pay for loss when the disability is a pre-existing condition as described in the policy. For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy form ISTD3000-VA and rider form ISTD3000-ADIB-VA. This is not an insurance contract and only the actual policy and rider provisions will control. *Premiums can be changed only if we change them on all policies of this kind in force in the state where the policy is issued. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2016 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

9-16 | 101629-VA

Individual Short-Term Disability Insurance Psychiatric and Psychological Benefit

Although illnesses and accidents are often associated with disabilities, mental disorders can also leave you unable to earn an income. If you’re disabled with a covered psychiatric or covered psychological condition, disability insurance from Colonial Life & Accident Insurance Company pays a monthly benefit that can help provide financial support while you focus on recovery.

Psychiatric and psychological benefit There is a maximum six-month benefit period limitation for any one occurrence of a psychiatric or psychological condition. There is a three-month benefit period limitation if you have a three-month benefit period.

For more information, talk with your benefits counselor.

There is a 24-month cumulative lifetime maximum benefit period for all psychiatric or psychological conditions. This maximum includes a combination of total disability and partial disability occurrences.

ColonialLife.com

The psychiatric and psychological benefit is only applicable when combined with the ISTD3000 base policy. The exclusions listed on the ISTD3000 base policy apply, except for the psychiatric or psychological conditions exclusion. For cost and complete details, talk with your Colonial Life benefits counselor. Applicable to policy form ISTD3000 and rider form ISTD3000-ADIB (plus state abbreviations where applicable, for example: ISTD3000-TX and ISTD3000-ADIB-TX). Coverage may vary by state and may not be available in all states. This is not an insurance contract and only the actual policy and rider provisions will control. ©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.

ISTD3000 – PSYCHIATRIC AND PSYCHOLOGICAL BENEFIT | 6-15 | 101630

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SHORT-TERM DISABILITY PREMIUMS On/Off-Job Accident and On/Off-Job Sickness Coverage

Premiums are per $50 of On-Job Monthly Benefit and $100 of Off-Job Monthly Benefit Benefit Period: 3 Months Elimination Ages: 17-49 12-Pay Premum Ages: 50-64 12-Pay Premum Ages: 65-74 12-Pay Premum

0/7 $3.50 $4.05 $4.74

7/7 $3.15 $3.79 $4.48

Benefit Period: 6 Months Elimination Ages: 17-49 12-Pay Premum Ages: 50-64 12-Pay Premum Ages: 65-74 12-Pay Premum

0/7 $4.55 $5.38 $7.63

7/7 $4.00 $5.25 $7.16

7/14 $3.12 $4.09 $5.16

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

0/14 $3.41 $4.27 $5.50

14/14 $2.85 $3.75 $4.94

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 . . . . . . . . . . . . . . . . . $1,050–$40,000 • 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) Hospital sub-acute intensive care unit confinement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $400 per day (up to 30 days)

Accidental death

Intensive care unit admission . . . . . . . . . . . . . . . . . . . . . . . .$2,500

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

Accidental death • Child . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$10,000

Intensive care unit confinement . . . . . . . . . . . . . . . . $550 per day (up to 15 days)

Surgical care

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

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

• Named insured, spouse . . . . . . . . . . . . . . . . . . . . . . . . . .$160,000 • Child . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $30,000

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

Transportation and lodging Transportation for hospital confinement . . $700 per round trip (up to three round trips, 50+ miles from home) Lodging–companion . . . . . . . . . . . . . . . . . . . . . . . . . . $150 per day (up to 30 days)

For more information, contact your Colonial Life benefits counselor.

1 Requires transportation by a licensed professional air ambulance or ambulance (ground or water). 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. 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 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, sickness, suicide or injuries which any covered person intentionally does to himself, war or armed conflict. 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-VA. 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. © 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

7-24 | 101954-1-VA

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.

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© 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 3-24 | 101785-5

Accident Insurance Gunshot Wound Benefit

This benefit can help pay your medical expenses if you receive a non-fatal gunshot wound. It offers you a lump sum benefit for a covered injury that you can use where you need it the most. Gunshot wound . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $_____________________ Guaranteed issue You can get this coverage without answering any health questions. On/off-job coverage You may receive benefits regardless of whether the injury occurs on or off the job. Direct payment Benefits are payable directly to you regardless of any other insurance coverage you may have. This policy covers a non-fatal gunshot wound from a conventional firearm that requires treatment by a doctor and overnight hospitalization within 24 hours of the injury. If you’re shot more than once in a 24-hour period, we can pay benefits only for the first wound.

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

IAC4000 – GUNSHOT WOUND BENEFIT

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ACCIDENT BENEFIT PREMIUMS Preferred with Active Lifestyles On/Off-Job Accident Coverage $1,000 Gunshot Wound Coverage 12-Pay Premium Named Insured

$18.48

Employee & Spouse

$31.01

One Parent Family Employee

$40.43

Two Parent Family

$52.95

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, pregnancy of a dependent child, psychiatric or psychological conditions, 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 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. For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy number IMB7000 (including state abbreviations where used, for example: IMB7000-TX). Coverage may vary by state and may not be available in all states. 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 | 5-16 | 101576-1

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

Gynecological

Cardiac

Liver

Digestive

Musculoskeletal system

– Axillary node dissection – Breast capsulotomy – Lumpectomy

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

– Pacemaker insertion

– Paracentesis

– Colonoscopy – Fistulotomy – Hemorrhoidectomy – Lysis of adhesions

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

Skin

– Laparoscopic hernia repair – Skin grafting

Ear, nose, throat, mouth – Adenoidectomy – Removal of oral lesions – Myringotomy – Tonsillectomy – Tracheostomy – Tympanotomy

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

Thyroid

– Excision of a mass

Eye

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– 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

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

Urologic

– Lithotripsy

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, pregnancy of a dependent child, psychiatric or psychological conditions, 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 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. For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy number IMB7000 (including state abbreviations where used, for example: IMB7000-TX). Coverage may vary by state and may not be available in all states. 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.

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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 .............................................................................. $_____________ Maximum of one health screening test 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

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Waiting period means the first 30 days following any covered person’s policy coverage effective date, during which no benefits are payable. For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy number IMB7000 (including state abbreviations where used, for example: IMB7000-TX). Coverage may vary by state and may not be available in all states. 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 – HEALTH SCREENING BENEFIT | 5-16 | 101579-1

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 cannot be paired with Plan 1. 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.

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IMB7000 – MEDICAL TREATMENT PACKAGE | 9-16 | 101596-VA

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.

EXCLUSIONS

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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, psychiatric or psychological conditions, 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 rider. 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 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 rider. For cost and complete details, see your Colonial Life benefits counselor. Applicable to rider numbers R-DHC7000 and R-EIC7000 (including state abbreviations where used, for example: R-DHC7000-TX and R-EIC7000-TX). Coverage may vary by state and may not be available in all states. This is not an insurance contract and only the actual policy or rider 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 – DAILY HOSPITAL CONFINEMENT AND ENHANCED INTENSIVE CARE UNIT CONFINEMENT RIDERS | 6-16 | 101582-1

MEDICAL BRIDGE BENEFIT PREMIUMS INDIVIDUAL MEDICAL BRIDGE Plan 1 Named Insured

Hospital Confinement $100 Health Screening

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

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

$1,000.00

$1,500.00

$18.20 $23.20 $29.25 $36.85

$23.65 $30.75 $39.60 $50.65

INDIVIDUAL MEDICAL BRIDGE Plan 3 Named Insured Hospital Confinement Medical Treatment Pkg $100 Health Screening

$1,000.00

$1,500.00

Outpatient Surgical Procedure

Option 1 Tier 1 $500 Tier 2 $1,000 CY Max $1,500

$37.80 $47.50 $58.20 $71.60

$43.25 $55.05 $68.55 $85.40

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

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

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

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

TERM LIFE INSURANCE

Term Life Insurance Life insurance protection when you need it most Life insurance needs change as life circumstances change. You may need different coverage if you’re getting married, buying a home or having a child. Term life insurance from Colonial Life provides protection for a specified period of time, typically offering the greatest amount of coverage for the lowest initial premium. This fact makes term life insurance a good choice for supplementing cash value coverage during life stages when obligations are higher, such as while children are younger. It’s also a good option for families on a tight budget — especially since you can convert it to a permanent cash value plan later.

With this coverage: n A beneficiary can receive a benefit that is typically free from income tax. n The policy’s accelerated death benefit can pay a percentage of the death benefit if the covered person is diagnosed with a terminal illness. n You can convert it to a Colonial Life cash value insurance plan, with no proof of good health, to age 75. n Coverage is guaranteed renewable up to age 95 as long as premiums are paid when due. n Portability allows you to take it with you if you change jobs or retire.

Talk with your Colonial Life benefits counselor to learn more.

ColonialLife.com

Spouse coverage options

Dependent coverage options

Two options are available for spouse coverage at an additional cost:

You may add a Children’s Term Life Rider to cover all of your eligible dependent children with up to $20,000 in coverage each for one premium.

1. Spouse Term Life Policy: Offers guaranteed premiums and level death benefits equivalent to those available to you –whether or not you buy a policy for yourself. 2. Spouse Term Life Rider: Add a term rider for your spouse to your policy, up to a maximum death benefit of $50,000; 10-year and 20-year are available (20-year rider only available with a 20- or 30-year term policy).

The Children’s Term Life Rider may be added to either the primary or spouse policy, not both.

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. Product may vary by state. For cost and complete details of the coverage, call or write your Colonial Life benefits counselor or the company. Colonial Life insurance products are 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. 7-19 | NS-16570-1

102

How much coverage do you need? £ YOU $ ___________________ Select the term period: £ 10-year £ 15-year £ 20-year £ 30-year £ SPOUSE $ ___________________ Select the term period: £ 10-year £ 15-year £ 20-year £ 30-year

Select any optional riders: £ Spouse term life rider $ _____________ face amount for ________-year term period £ Children’s term life rider $ _____________ face amount £ Accidental death benefit rider £ Critical illness accelerated death benefit rider £ Waiver of premium benefit rider

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

Optional riders At an additional cost, you can purchase the following riders for even more financial protection.

Spouse term life rider Your spouse may receive a maximum death benefit of $50,000; 10-year and 20-year spouse term riders are available.

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

Accidental death benefit rider The beneficiary may receive an additional benefit if the covered person dies as a result of an accident before age 70. The benefit doubles if the accidental bodily injury occurs while riding as a fare-paying passenger using public transportation, such as ridesharing services. An additional 25% will be payable if the injury is sustained while driving or riding in a private passenger vehicle and wearing a seatbelt.

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

Waiver of premium benefit rider Premiums are waived (for the policy and riders) if you become totally disabled before the policy anniversary following your 65th birthday and you satisfy the six-month elimination period.3

1 Any payout would reduce the death benefit. Benefits may be taxable as income. Individuals should consult with their l egal or tax counsel when deciding to apply for accelerated benefits. 3 You must resume premium payments once you are no longer disabled.

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.

ColonialLife.com

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 ICC18-ITL5000/ITL5000 and rider forms ICC18-R-ITL5000-STR/RITL5000- STR, ICC18-R-ITL5000-CTR/R-ITL5000-CTR, ICC18-R-ITL5000-WP/R-ITL5000-WP, ICC18-R-ITL5000-ACCD/RITL5000- ACCD, ICC18-R-ITL5000-CI/R-ITL5000-CI, ICC18-R-ITL5000-CC/R-ITL5000-CC. 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 ©2021 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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TERM LIFE INSURANCE PREMIUMS 10-Year Term Base Plan Monthly Non-Tobacco Rates Issue Age 25 30 35 40 45 50 55 60

Pay Premium

$10,000.00

$25,000.00

$50,000.00

$100,000.00

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

$6.64 $7.06 $7.57 $7.98 $9.17 $11.72 $16.17 $23.36

$10.60 $11.65 $12.94 $13.96 $16.92 $23.29 $34.44 $52.39

$10.21 $10.21 $11.25 $14.04 $18.62 $25.58 $36.37 $53.96

$16.42 $16.42 $18.50 $24.08 $33.25 $47.16 $68.75 $103.91

20-Year Term Base Plan Monthly Non-Tobacco Rates Issue Age 25 30 35 40 45 50 55 60

Pay Premium

$10,000.00

$25,000.00

$50,000.00

$100,000.00

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

$6.71 $7.12 $7.69 $8.23 $9.68 $12.67 $18.06 $26.84

$10.77 $11.81 $13.23 $14.58 $18.21 $25.69 $39.14 $61.10

$10.54 $10.54 $11.58 $15.42 $21.79 $31.58 $46.33 $72.00

$17.08 $17.08 $19.17 $26.83 $39.58 $59.16 $88.66 $139.99

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

104

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. 106

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

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FOR EMPLOYEES

8-23 | 642298-2

WHOLE LIFE INSURANCE PREMIUMS Adult Base Plan Paid-up to Age 70 Non-Tobacco Rates Issue Age

Pay Premium

$10,000.00

$25,000.00

$50,000.00

$100,000.00

$150,000.00

25 30 35 40 45 50

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

Adult Base Plan Paid-up to Age 100 Non-Tobacco Rates Issue Age

Pay Premium

$10,000.00

$25,000.00

$50,000.00

$100,000.00

$150,000.00

25 30 35 40 45 50 55 60

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

$8.60 $9.90 $11.72 $14.15 $17.83 $22.95 $30.73 $41.18

$21.50 $24.75 $29.29 $35.38 $44.56 $57.38 $76.83 $102.96

$43.00 $49.50 $58.58 $70.75 $89.13 $114.75 $153.67 $205.92

$86.00 $99.00 $117.17 $141.50 $178.25 $229.50 $307.33 $411.83

$129.00 $148.50 $175.75 $212.25 $267.38 $344.25 $461.00 $617.75

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

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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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43233-41

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 re- disclose the information unless permitted or required by those laws. Re-disclosed information may no longer be protected by federal privacy 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 (Social Security (Signature) (Date Signed) subject to this disclosure) Number) If applicable, I signed on behalf of the proposed insured as ____________________(indicate relationship). If legal Guardian, Power of Attorney Designee, or Conservator. ______________________________ (Printed name of legal representative)

____________________________ (Signature of legal representative)

UW Authorization

____________ (Date Signed) 62891-1

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ADDITIONAL BENEFITS VIRGINIA RETIREMENT SYSTEM (VRS) LIFE INSURANCE The Virginia Retirement System (VRS) Optional Group Life Insurance program gives you the opportunity to purchase additional insurance at favorable group rates on yourself and family. Optional group life is term insurance. Term insurance generally provides the largest immediate death protection for your premium dollar. The program is administered by the Virginia Retirement System, and is provided under a group policy issued by the Minnesota Life Insurance Company. Questions about your employer paid and optional life insurance coverage can be submitted one of three ways:

By mail: Securian Financial PO Box 1193, Richmond, VA 23218-1193

By calling: 1-800-441-2258

Or by visiting their website: www.varetire.org/myvrs

VIRGINIA ASSOCIATION OF COUNTIES GROUP SELF INSURANCE RISK POOL (VACORP) SHORT AND LONG TERM DISABILITY Group Long Term Disability (LTD) insurance from The Standard helps provide financial protection for insured members by promising to pay a monthly benefit in the event of a covered disability. This Group Short Term Disability (STD) program is provided for VRS Hybrid Plan Participants and administered by The Standard. This benefit helps provide financial protection for covered members by promising to pay a weekly benefit in the event of a covered disability. Please refer to the plan summary document and your employee handbook for specific plan details, eligibility definitions, limitations, and exclusions. Questions about your VACORP Short and Long Term Disability can be submitted one of two ways: By calling: 1-844-404-2111

Or by visiting their website: www.vacorp.org/coverage/hybrid-disability

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REQUIRED HEALTH CARE NOTICES Newborn and Mothers’ Health Protection Act Group health plans and health insurance issuers generally may not, under federal law restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following vaginal delivery, or less than 96 hours following a cesarean section. However, federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under federal law, require that a provider obtain authorization from the plan or the issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).

Women’s Health and Cancer Rights Act In October 1998, Congress enacted the Women’s Health and Cancer Rights Act of 1998. This notice explains some important provisions of the Act. Please review this information carefully. As specified in the Women’s Health and Cancer Rights Act, a plan participant or beneficiary who elects breast reconstruction in connection with a covered mastectomy is also entitled to the following benefits: 1. All stages of reconstruction of the breast on which the mastectomy has been performed: 2. Surgery and reconstruction of the other breast to produce a symmetrical appearance; and 3. Prostheses and treatment of physical complications of the mastectomy , including lymphedemas. Health plans must provide coverage of mastectomy related benefits in a manner to determine in consultation with the attending physician and the patient. Coverage for breast reconstruction and related services may be subject to deductibles and insurance amounts that are consistent with those that apply to other benefits under the plan.

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Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP) If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov. If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available. If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer sponsored plan. If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272).

REQUIRED HEALTH CARE NOTICES GEORGIA - MEDICAID

ALABAMA - MEDICAID Website: myalhipp.com Phone: 1-855-692-5447

Website: medicaid.georgia.gov/health-insurance premium-payment-program-hipp Phone: 678-564-1162, ext. 2131

ALASKA - MEDICAID

INDIANA - MEDICAID

The AK Health Insurance Premium Payment Program Website: myakhipp.com Phone: 1-866-251-4861 Email: CustomerService@MyAKHIPP.com Medicaid Eligibility: dhss.alaska.gov/dpa/Pages/ medicaid/default.aspx

Healthy Indiana Plan for Low-Income Adults 19-64 Website: www.in.gov/fssa/hip Phone: 1-877-438-4479 All other Medicaid Website: www.in.gov/medicaid Phone: 1-800-457-4584

ARKANSAS - MEDICAID

IOWA - MEDICAID AND CHIP (HAWKI)

Website: myarhipp.com Phone: 1-855-MyARHIPP (855-692-7447)

Medicaid Website: dhs.iowa.gov/ime/members Medicaid Phone: 1-800-338-8366 Hawki Website: dhs.iowa.gov/Hawki Hawki Phone: 1-800-257-8563

CALIFORNIA - MEDICAID

KANSAS - MEDICAID

Website: www.dhcs.ca.gov/services/Pages/ TPLRD_CAU_cont.aspx Phone: 916-440-5676

Website: www.kdheks.gov/hcf/default.htm Phone: 1-800-792-4884

COLORADO - HEALTH FIRST COLORADO (MEDICAID) & CHILD HEALTH PLAN PLUS (CHP+)

KENTUCKY - MEDICAID

Health First Colorado Website: www.healthfirstcolorado.com Health First Colorado Member Contact Center: 1-800-221-3943/State Relay 711 CHP+: www.colorado.gov/pacific/hcpf/childhealth-plan-plus CHP+ Customer Service: 1-800-359-1991/State Relay 711 Health Insurance Buy-In Program (HIBI): www.colorado.gov/pacific/hcpf/health-insurancebuy-program HIBI Customer Service: 1-855-692-6442

Kentucky Integrated Health Insurance Premium Payment Program (KI-HIPP) Website: chfs.ky.gov/agencies/dms/member/Pages/kihipp.aspx Phone: 1-855-459-6328 Email: KIHIPP.PROGRAM@ky.gov KCHIP Website: kidshealth.ky.gov/Pages/index.aspx Phone: 1-877-524-4718 Kentucky Medicaid Website: chfs.ky.gov

FLORIDA - MEDICAID

Website: www.medicaid.la.gov or www.ldh.la.gov/lahipp Phone: 1-888-342-6207 (Medicaid hotline) or 1-855-618-5488 (LaHIPP)

LOUISIANA - MEDICAID

Website: www.flmedicaidtplrecovery.com/flmedicaidtplrecovery.com/hipp/index.html Phone: 1-877-357-3268 113

REQUIRED HEALTH CARE NOTICES MAINE - MEDICAID

NEVADA - MEDICAID

Website: www.maine.gov/dhhs/ofi/public assistance/index.html Phone: 1-800-442-6003 TTY: Maine Relay 711

Medicaid Website: dhcfp.nv.gov Medicaid Phone: 1-800-992-0900

NEW HAMPSHIRE - MEDICAID

MASSACHUSETTS - MEDICAID AND CHIP

Website: www.dhhs.nh.gov/oii/hipp.htm Phone: 603-271-5218 Toll free number for the HIPP program: 1-800-852-3345, ext. 5218

Website: www.mass.gov/eohhs/gov/departments/ masshealth Phone: 1-800-862-4840

NEW JERSEY - MEDICAID AND CHIP

MINNESOTA - MEDICAID

Medicaid Website: www.state.nj.us/humanservices/dmahs/clients/medicaid Medicaid Phone: 609-631-2392 CHIP Website: www.njfamilycare.org/index.html CHIP Phone: 1-800-701-0710

Website: mn.gov/dhs/people-we-serve/children-and-families/health-care/health-care-programs/programs-and-services/medical-assistance.jsp [Under ELIGIBILITY tab, see “What if I have other health insurance?”] Phone: 1-800-657-3739

NEW YORK - MEDICAID

KANSAS - MEDICAID

Website: www.health.ny.gov/health_care/ medicaid Phone: 1-800-541-2831

Website: www.kdheks.gov/hcf/default.htm Phone: 1-800-792-4884

NORTH CAROLINA - MEDICAID

MISSOURI - MEDICAID

Website: medicaid.ncdhhs.gov Phone: 919-855-4100

Website: www.dss.mo.gov/mhd/participants/ pages/hipp.htm Phone: 573-751-2005

NORTH DAKOTA - MEDICAID Website: www.nd.gov/dhs/services/medicalserv/medicaid Phone: 1-844-854-4825

MONTANA - MEDICAID Website: dphhs.mt.gov/MontanaHealthcarePrograms/HIPP Phone: 1-800-694-3084

OKLAHOMA - MEDICAID & CHIP Website: www.insureoklahoma.org Phone: 1-888-365-3742

NEBRASKA - MEDICAID Website: www.ACCESSNebraska.ne.gov Phone: 1-855-632-7633 Lincoln: 402-473-7000 Omaha: 402-595-1178

OREGON - MEDICAID & CHIP Website: healthcare.oregon.gov/Pages/index.aspx Phone: 1-800-699-9075

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REQUIRED HEALTH CARE NOTICES PENNSYLVANIA - MEDICAID

VERMONT - MEDICAID

Website: www.dhs.pa.gov/providers/Providers/ Pages/Medical/HIPP-Program.aspx Phone: 1-800-692-7462

Website: www.greenmountaincare.org Phone: 1-800-250-8427

VIRGINIA - MEDICAID AND CHIP

RHODE ISLAND - MEDICAID AND CHIP

Website: www.coverva.org/hipp Medicaid Phone: 1-800-432-5924 CHIP Phone: 1-855-242-8282

Website: www.eohhs.ri.gov Phone: 1-855-697-4347 or 401-462-0311 (Direct RIte Share Line)

WASHINGTON - MEDICAID

SOUTH CAROLINA - MEDICAID

Website: www.hca.wa.gov Phone: 1-800-562-3022

Website: www.scdhhs.gov Phone: 1-888-549-0820

WEST VIRGINIA - MEDICAID

SOUTH DAKOTA - MEDICAID

Website: mywvhipp.com Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447)

Website: dss.sd.gov Phone: 1-888-828-0059

TEXAS - MEDICAID

WISCONSIN - MEDICAID AND CHIP

Website: gethipptexas.com Phone: 1-800-440-0493

Website: www.dhs.wisconsin.gov/badgercareplus/p-10095.htm Phone: 1-800-362-3002

UTAH - MEDICAID

WYOMING - MEDICAID

Medicaid Website: medicaid.utah.gov CHIP Website: health.utah.gov/chip Phone: 1-877-543-7669

Website: wyequalitycare.acs-inc.com Phone: 307-777-7531

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REQUIRED HEALTH CARE NOTICES To see if any other states have added a premium assistance program since July 31, 2020, or for more information on special enrollment rights, contact either: U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272)

U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565

Paperwork Reduction Act Statement According to the Paperwork Reduction Act of 1995 (Pub. L. 104-13) (PRA), no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA, and displays a currently valid OMB control number, and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number. See 44 U.S.C. 3507. Also, notwithstanding any other provisions of law, no person shall be subject to penalty for failing to comply with a collection of information if the collection of information does not display a currently valid OMB control number. See 44 U.S.C. 3512. The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent. Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor, Employee Benefits Security Administration, Office of Policy and Research, Attention: PRA Clearance Officer, 200 Constitution Avenue, N.W., Room N-5718, Washington, DC 20210 or email ebsa.opr@dol.gov and reference the OMB Control Number 1210-0137.

116

COBRA CONTINUATION OF COVERAGE INTRODUCTION: You’re getting this notice because you recently gained coverage under a group plan. This notice has important information about your right to COBRA continuation coverage, which is a temporary extension of coverage under the Plan. This notice explains COBRA continuation coverage, when it may become available to you and your family, and what you need to do to protect your right to get it. When you become eligible for COBRA, you may also become eligible for other coverage options that may cost less than COBRA continuation coverage. The right to COBRA continuation coverage was created by a federal law, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). COBRA continuation coverage can become available to you and other members of your family when group health coverage would otherwise end. For more information about your rights and obligations under the Plan and under federal law, you should review the Plan’s Summary Plan Description or contact the Plan Administrator.

A, Part B, or both); or • You become divorced or legally separated from your spouse. Your dependent children will become qualified beneficiaries if they lose coverage under the Plan because of the following qualifying events: • The parent-employee dies; • The parent-employee’s hours of employment are reduced; • The parent-employee’s employment ends for any reason other than his or her gross misconduct; • The parent-employee becomes entitled to Medicare benefits (Part A, Part B, or both); • The parents become divorced or legally separated; or • The child stops being eligible for coverage under the Plan as a “dependent child.”

You may have other options available to you when you lose group health coverage. For example, you may be eligible to buy an individual plan through the Health Insurance Marketplace. By enrolling in coverage through the Marketplace, you may qualify for lower costs on your monthly premiums and lower out-of-pocket costs. Additionally, you may qualify for a 30-day special enrollment period for another group health plan for which you are eligible (such as a spouse’s plan), even if that plan generally doesn’t accept late enrollees.

Sometimes, filing a proceeding in bankruptcy under title 11 of the United States Code can be a qualifying event. If a proceeding in bankruptcy is filed with respect to Amherst County Government and that bankruptcy results in the loss of coverage of any retired employee covered under the Plan, the retired employee will become a qualified beneficiary. The retired employee’s spouse, surviving spouse, and dependent children will also become qualified beneficiaries if bankruptcy results in the loss of their coverage under the Plan.

What Is Cobra Continuation Coverage?: COBRA continuation coverage is a continuation of Plan coverage when it would otherwise end because of a life event. This is also called a “qualifying event.” Specific qualifying events are listed later in this notice. After a qualifying event, COBRA continuation coverage must be offered to each person who is a “qualified beneficiary.” You, your spouse, and your dependent children could become qualified beneficiaries if coverage under the Plan is lost because of the qualifying event. Under the Plan, qualified beneficiaries who elect COBRA continuation coverage [choose and enter appropriate information: must pay or aren’t required to pay] for COBRA continuation coverage.

When is COBRA continuation coverage available?

If you’re an employee, you’ll become a qualified beneficiary if you lose your coverage under the Plan because of the following qualifying events: • Your hours of employment are reduced, or • Your employment ends for any reason other than your gross misconduct. • If you’re the spouse of an employee, you’ll become a qualified beneficiary if you lose your coverage under the Plan because of the following qualifying events: • Your spouse dies; • Your spouse’s hours of employment are reduced; • Your spouse’s employment ends for any reason other than his or her gross misconduct; • Your spouse becomes entitled to Medicare benefits (under Part

The Plan will offer COBRA continuation coverage to qualified beneficiaries only after the Plan Administrator has been notified that a qualifying event has occurred. The employer must notify the Plan Administrator of the following qualifying events: • The end of employment or reduction of hours of employment; • Death of the employee; • The employee’s becoming entitled to Medicare benefits (under Part A, Part B, or both). For all other qualifying events (divorce or legal separation of the employee and spouse or a dependent child’s losing eligibility for coverage as a dependent child), you must notify the Plan Administrator within 60 days after the qualifying event occurs. You must provide this notice to: Caitlin Jack at ccjack@countyofamherst.com. Applicable documentation will be required i.e. court order, certificate of coverage etc. How is COBRA continuation coverage provided? Once the Plan Administrator receives notice that a qualifying event has occurred, COBRA continuation coverage will be offered to each of the qualified beneficiaries. Each qualified beneficiary will have an independent right to elect COBRA continuation coverage. Covered employees may elect COBRA continuation coverage on behalf of their spouses, and parents may elect COBRA continuation coverage on behalf of their children. COBRA continuation coverage is a temporary continuation of coverage that generally lasts for 18 months due to employment termination or reduction of hours of work. Certain qualifying events,

117

COBRA CONTINUATION OF COVERAGE or a second qualifying event during the initial period of coverage, may permit a beneficiary to receive a maximum of 36 months of coverage.

the COBRA election, COBRA coverage may not be discontinued on account of Medicare entitlement, even if you enroll in the other part of Medicare after the date of the election of COBRA coverage.

There are also ways in which this 18-month period of COBRA continuation coverage can be extended:

If you are enrolled in both COBRA continuation coverage and Medicare, Medicare will generally pay first (primary payer) and COBRA continuation coverage will pay second. Certain plans may pay as if secondary to Medicare, even if you are not enrolled in Medicare.

Disability extension of 18-month period of COBRA continuation coverage: If you or anyone in your family covered under the Plan is determined by Social Security to be disabled and you notify the Plan Administrator in a timely fashion, you and your entire family may be entitled to get up to an additional 11 months of COBRA continuation coverage, for a maximum of 29 months. The disability would have to have started at some time before the 60th day of COBRA continuation coverage and must last at least until the end of the 18-month period of COBRA continuation coverage. Second qualifying event extension of 18-month period of continuation coverage: If your family experiences another qualifying event during the 18 months of COBRA continuation coverage, the spouse and dependent children in your family can get up to 18 additional months of COBRA continuation coverage, for a maximum of 36 months, if the Plan is properly notified about the second qualifying event. This extension may be available to the spouse and any dependent children getting COBRA continuation coverage if the employee or former employee dies; becomes entitled to Medicare benefits (under Part A, Part B, or both); gets divorced or legally separated; or if the dependent child stops being eligible under the Plan as a dependent child. This extension is only available if the second qualifying event would have caused the spouse or dependent child to lose coverage under the Plan had the first qualifying event not occurred. Are there other coverage options besides COBRA Continuation Coverage?: Yes. Instead of enrolling in COBRA continuation coverage, there may be other coverage options for you and your family through the Health Insurance Marketplace, Medicare, Medicaid, Children’s Health Insurance Program (CHIP), or other group health plan coverage options (such as a spouse’s plan) through what is called a “special enrollment period.” Some of these options may cost less than COBRA continuation coverage. You can learn more about many of these options at www.healthcare.gov. Can I enroll in Medicare instead of COBRA continuation coverage after my group health plan coverage ends?: In general, if you don’t enroll in Medicare Part A or B when you are first eligible because you are still employed, after the Medicare initial enrollment period, you have an 8-month special enrollment period to sign up for Medicare Part A or B, beginning on the earlier of

For more information visit https://www.medicare.gov/medicare-and-you. If you have questions: Questions concerning your Plan or your COBRA continuation coverage rights should be addressed to the contact or contacts identified below. For more information about your rights under the Employee Retirement Income Security Act (ERISA), including COBRA, the Patient Protection and Affordable Care Act, and other laws affecting group health plans, contact the nearest Regional or District Office of the U.S. Department of Labor’s Employee Benefits Security Administration (EBSA) in your area or visit www.dol.gov/ebsa. (Addresses and phone numbers of Regional and District EBSA Offices are available through EBSA’s website.) For more information about the Marketplace, visit www.HealthCare. gov. Keep your Plan informed of address changes: To protect your family’s rights, let the Plan Administrator knowabout any changes in the addresses of family members. You should also keep a copy, for your records, of any notices you send to the Plan Administrator. Plan Contact Information County of Amherst ATTN: Caitlin Jack, Director of Human Resources P.O. Box 390 Amherst, VA 24521 Phone: 434-946-9420 Fax: 434-946-9305

COBRA Administrator for Dental, Vision, FSA Coverage: Flex Facts 1200 River Avenue, Ste. 10E Lakewood, NJ 08701 Phone: 877-943-2287 Fax: 877-747-8564

• The month after your employment ends; or • The month after group health plan coverage based on current employment ends. If you don’t enroll in Medicare and elect COBRA continuation coverage instead, you may have to pay a Part B late enrollment penalty and you may have a gap in coverage if you decide you want Part B later. If you elect COBRA continuation coverage and later enroll in Medicare Part A or B before the COBRA continuation coverage ends, the Plan may terminate your continuation coverage. However, if Medicare Part A or B is effective on or before the date of

COBRA Administrator for The Local Choice Benefits: Inspira Financial 888-678-7835 / TTY:711 Monday-Friday, 7am – 7pm CST

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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 119

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! The following benefits can be self-enrolled online or by contacting PGB Employee Services, with Individual and Family coverage options available for most plans. You are eligible to sign-up the first day after the end date of your employer-sponsored plan.

DENTAL BENEFITS

VISION BENEFITS

TELEMEDICINE BENEFITS

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 800-387-5955 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 800-387-5955 for assistance.

Please visit www.piercegroupbeneﬁts.com/individualcoverage or call 800-387-5955 for more information on these policies, as well as to enroll/continue your benefits.

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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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