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EMPLOYEE BENEFITS GUIDE 2027 PLAN YEAR:

JANUARY 1, 2027 - DECEMBER 31, 2027

WAKE COUNTY PUBLIC SCHOOL SYSTEM

WWW.PIERCEGROUPBENEFITS.COM

EMPLOYEE SERVICES: 888-662-7500

TABLE OF CONTENTS

EMPLOYEE BENEFITS GUIDE Welcome to Wake County Public School System’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, employeepaid benefits unless otherwise noted.

ENROLLMENT DATES: August 31, 2026 - November 6, 2026 PLAN YEAR & EFFECTIVE DATES: January 1, 2027 - December 31, 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 Qualifying Life Events............................................ 7 Enrollment Information.......................................... 9 BenSelect Enrollment Instructions......................... 10 eBenefits Enrollment Instructions.......................... 12 Flexible Spending Account..................................... 14 The FSA Store....................................................... 17 Dependent Care Account....................................... 18 Telemedicine Benefits........................................... 21 Dental Insurance................................................... 29 Vision Insurance.................................................... 35 Group Term Life Insurance..................................... 41 EAP & Life Planning Services................................. 47 Long Term Care Benefits........................................ 49 Cancer Benefits..................................................... 53 Critical Illness Benefits.......................................... 60 State Of NC Disabilities At A Glance**.................... 72 Short-Term Disability Benefits................................ 73 Long-Term Disability Benefits................................. 80 Accident Benefits.................................................. 84 NC State Health Plan Comparison**....................... 96 Medical Bridge Benefits......................................... 98 Term Life Insurance............................................... 105 Whole Life Insurance............................................. 109 Colonial Life Policyholder Service Guide................. 113 Authorization For Colonial Life Insurance Form....... 114 COBRA Continuation Of Coverage.......................... 115 Privacy Notices..................................................... 117 Continuation Of Coverage...................................... 118

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

WAKE COUNTY PUBLIC SCHOOL SYSTEM 2027 Benefits Plan

January 1, 2027 - December 31, 2027

All information in this guide, including premiums quoted, is subject to change. All policy descriptions are for informational purposes only. Your actual policies may be different from those in this guide. Rev: 8/10/2026 **For informational purposes only

IMPORTANT CONTACT INFORMATION CARRIER

PHONE/FAX

WEBSITE

Flexible Spending Accounts

Ameriflex

P: 888-868-3539

service@myameriflex.com

www.myameriflex.com

Dental Insurance

Delta Dental of NC

P: 800-662-8856

customersupport@ deltadentalcoversme.com

www.deltadentalnc.com

Vision Insurance

EyeMed Vision

P: 866-939-3633

www.eyemed.com

Long-Term Disability Benefits

Sun Life

P: 800-247-6875 F: 563-242-0184

www.sunlife.com/us

EAP & Life Planning Services

Colonial Life

P: 888-645-1772

EAPinfo@ healthadvocate.com

www.coloniallife.com/eap

Long Term Care Benefits

CHUBB

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

CWBclaimsteam@chubb.com

chubbworkplacebenefits.com

Telemedicine Benefits

Call A Doctor Plus

P: 800-835-2362

help@teladochealth.com

www.teladoc.com

North Carolina State Health Plan

SHPNC

P: 888-234-2416 F: 919-765-2322

www.shpnc.org

BenSelect Online Enrollment

BenSelect

P: 888-662-7500

harmony.benselect.com/wcpss

eBenefits Online Enrollment

P: 855-859-0966

www.nc.secure-enroll.com/go/ WCPSS

Custom Benefits Website

Pierce Group Benefits

P: 1-888-662-7500 F: 984-225-2605

service@ piercegroupbenefits.com

www.PierceGroupBenefits.com/ WakeCountySchools

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

NC State Health Plan: Under certain qualifying events, employees and dependents have the opportunity to continue coverage for 18-36 months under the COBRA Act. Please contact the State Health Plan at 1-877-679-6272. If you are retiring, you must either log in to www.myncretirement.com or call 1-877-679-6272.

ELIGIBILITY REQUIREMENTS CURRENT EMPLOYEE? ANNUAL ENROLLMENT DATES:

August 31, 2026 - November 6, 2026

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

ELIGIBILITY • Full-time permanent employees working 30 hours or more per week or classroom teachers in a job-sharing position are eligible for benefits. • You must be enrolled in the Teachers’ and State Employees’ Retirement System of North Carolina to be 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. Telemedicine - Please contact the provider within 30 days of your hire date. Additional enrollment instructions and contact information can be found within this guide. All Other Benefits - Please call PGB’s Employee Services within 30 days of your date of hire and a PGB Benefits Representative will help you enroll in benefits. The Employee Services number is located in the contact section of this guide. You also have the option to self-enroll, if you choose, within 30 days of your date of hire. Please see the self-enrollment instructions in this guide for more information. 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/WakeCountySchools

OVERVIEW OF BENEFITS PRE – TAX BENEFITS

POST – TAX BENEFITS

Flexible Spending Accounts Ameriflex

Short-Term Disability Benefits Colonial Life

- Medical Reimbursement: $3,400/year Max| $100/year Min - Dependent Care Reimbursement: $7,500/year Max| $100/year Min

*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 December 31, 2026.

Dental Insurance Delta Dental

Vision Insurance EyeMed Vision

Cancer Benefits Colonial Life

Accident Benefits Colonial Life

Medical Bridge Benefits Colonial Life

Long-Term Disability Benefits Sun Life

Critical Illness Benefits Colonial Life

Group Term Life Insurance Colonial Life - Supplemental Group Term Life Insurance - Including EAP + Work/Life Programs

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

Long Term Care Benefits CHUBB

ADDITIONAL BENEFITS Telemedicine Benefits Call A Doctor Plus

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 and Group Term Life, Ameriflex Flexible Spending Accounts, Delta Dental, EyeMed Vision, Sun Life Long-Term Disability, and CHUBB Long Term Care runs from January 1, 2027, through December 31, 2027. When do my deductions start? Deductions for Delta Dental, EyeMed Vision, and Sun Life Long-Term Disability start December 2026 for all enrolled employees. Deductions for Colonial Life Insurance Products and Group Term Life, Ameriflex Flexible Spending Accounts, and CHUBB Long Term Care start January 2027 for all enrolled employees. The Call A Doctor Plus Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction. Why have my Cancer, Accident, or Medical Bridge benefits not started yet? The Colonial Cancer plan and the Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until January 31, 2027. What is an EAP? Your Group Term Life coverage includes Health Advocate Employee Assistance + Work/Life Programs. An Employee Assistance Program (EAP) offers confidential support and resources for personal or work-related challenges and concerns. Please see the Group Term Life pages of this benefit guide for more details and contact information. 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 90 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. My spouse is enrolled in a 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. 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. 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. Can I sign up for Health Insurance as well? No, Pierce Group Representatives are not authorized to assist employees with their SHP enrollment or make SHP enrollment elections on an employee’s behalf. 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 (QLE), as defined by the Internal Revenue Code. Examples of a QLE can be found in the chart on the next page. Once a QLE has occurred, an employee has 30 days to notify PGB’s Employee Services at 1-888-662-7500 to request a change in elections. I have a pre-existing condition. Will I still be covered? Some policies may include a pre-existing condition clause. Please read your policy carefully for full details.

Employee Services: 888-662-7500

www.PierceGroupBenefits.com/ WakeCountySchools

Effective Dates:

January 1, 2027 - December 31, 2027

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

QUALIFYING LIFE EVENT

ACTION REQUIRED

RESULT IF ACTION IS NOT TAKEN

New Hire

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

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

Marriage

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

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

Divorce

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

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

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

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

Remove or update dependent elections within 30 days of the dependent aging out. For more information and assistance, please call PGB Employee Services at 888-662-7500.

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

QUALIFYING LIFE EVENTS QUALIFYING LIFE EVENT

ACTION REQUIRED

RESULT IF ACTION IS NOT TAKEN

Part-Time to Full-Time or Vice Versa

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

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

Transferring Employers

If you are transferring from one PGB client to another, some benefits may be eligible for transfer. Please call PGB Employee Services at 888-662-7500 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 888-662-7500 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:

AUGUST 31, 2026 - NOVEMBER 6, 2026 BENEFIT ELECTION OPTIONS YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS DURING THE ANNUAL ENROLLMENT PERIOD: • • • • • • • •

Enroll/Re-Enroll in Flexible Spending Accounts.+ Enroll in, change, or cancel Dental Insurance. Enroll in, change, or cancel Vision Insurance. Enroll in, change, or cancel Group Term Life Insurance. Enroll in, change, or cancel Long-Term Disability Insurance. Enroll in, change, or cancel Long Term Care Benefits. Enroll in, change, or cancel Telemedicine coverage (DIRECT BILLING ONLY*).** Enroll in, change, or cancel Colonial coverage.

+You will need to re-enroll in the Flexible Spending Accounts if you want them to continue each year. *The Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction. **Please see the coordinating pages of your Benefits Guide for enrollment instructions for the Telemedicine plan.

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/WakeCountySchools 9

BENSELECT ENROLLMENT INSTRUCTIONS

• • • •

Below is a series of instructions outlining the enrollment process. Please have the following information available before you begin: Username, pin, and enrollment website URL from this page Social security numbers of the spouse or any dependents you wish to enroll Dates of birth for the spouse and any dependents you wish to enroll Beneficiary names and social security numbers

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 888-6627500 between 8:30am and 5:00pm for assistance. • If you are an existing employee and unable to log into the online system, please contact PGB Employee Services at 888-662-7500, or speak with the Benefits Representative assigned to your location.

1. LOGGING IN Enter your Username: Employee ID Number Enter your Pin: Last 4 numbers of your Social Security Number followed by last 2 numbers of your Date of Birth year (ex. 678970)

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

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

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

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

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

6. CLICK NEXT

7. PERSONAL INFORMATION

From the welcome screen click ‘Next’.

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

Enrollment instructions continued on next page

BENSELECT ENROLLMENT INSTRUCTIONS

8. ADDING FAMILY MEMBER

9. BENEFIT SUMMARY

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

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

11. REVIEW

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

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

13. SIGN FORM

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

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

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

EBENEFITS ENROLLMENT INSTRUCTIONS

• • • •

Below is a series of instructions outlining the enrollment process. Please have the following information available before you begin: Username, password, and enrollment website URL from this page Social security numbers of the spouse or any dependents you wish to enroll Dates of birth for the spouse and any dependents you wish to enroll Beneficiary names and social security numbers

HELPFUL TIPS : • If you are a new employee and unable to log into the online system, please contact your Health Benefits Representative. • If you are an existing employee and unable to log into the online system, please contact the eBenefits Help Desk at 855-859-0966.

1. LOGGING IN Go to https://nc.secure-enroll.com/go/WCPSS & enter your eBenefits login ID and password For Employees Returning to the eBenefits Website: To retrieve your login ID or reset your password: Select the “Can’t access your account?” link to the right and directly beneath the “Log in” button. For additional assistance with accessing or navigating the online enrollment site, please call 866-2391055. Initial (New Hire) Login Instructions: Username: Legal first name and first initial of last name and last 4 of SSN Alternate Username (if above does not work): Legal last name and first initial of first name and last 4 of SSN Password: Full SSN (no spaces or dashes) • Example Employee: John Doe with SSN 111-22-3333 • Example Username: JohnD3333 • Example Alternate Username: DoeJ3333 • Example Password: 11122333 Please Note: Your social security number will only be used for initial login, at which time you will be prompted to change it.

Enrollment instructions continued on next page >>> 12

eBenefits Enrollment Instru

EBENEFITS ENROLLMENT INSTRUCTIONS

Enroll Now!

CLICK

2. CLICK ENROLL NOW

3. REVIEW/EDIT YOUR BASIC INFORMATION

4. REVIEW/EDIT YOUR ELECTIONS

Select the link titled Enroll Now! on the right side of your screen.

Select My Basic Information and review for accuracy.

Select My Benefits to review or change your benefit elections. Under My Open Enrollment Benefits, select the benefit offer name that you would like to edit.

LOG OUT

5. MAKE CHANGES TO YOUR ELECTIONS

6. REVIEW & PRINT YOUR SUMMARY

7. LOG OUT

To change your plan, coverage level or persons covered, select the corresponding Edit button next to each section.

To view or print a summary of your elections, click on the tab in the top left corner of your screen titled My Home. On the right hand side of your screen, click on the report titled My Employee Detail Report.

Click ‘Log Out’ to log out of eBenefits.

Note: You will be asked questions only as they relate to your election. Please be as complete as possible when answering questions to ensure your enrollment is processed successfully.

Note: This report displays BOTH your current and Annual Enrollment elections. Annual Enrollment elections are below your current elections on the report.

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

FLEXIBLE SPENDING ACCOUNT

Flexible Spending Account An account for setting aside tax-free money for healthcare expenses Use the below information to determine if a Flexible Spending Account (FSA) is right for you and how to best take advantage of an FSA account.

How It Works When you enroll in a Flexible Spending Account (FSA) you get to experience tax savings on qualified expenses such as copays, deductibles, prescriptions, over-the-counter drugs and medications, and thousands of other everyday items. Can I have an FSA and an HSA? You can’t contribute to an FSA and HSA within the same plan year. However, you can contribute to an HSA and a limited purpose FSA, which only covers dental and vision expenses. As per IRS Publication 969, an employee covered by an HDHP and a health FSA or an HRA that pays or reimburses qualified medical expenses generally can’t make contributions to an HSA. An employee is also not HSA-eligible during an FSA Grace Period. An employee enrolled in a Limited Purpose FSA is HSA-eligible. As a married couple, one spouse cannot be enrolled in an FSA at the same time the other is contributing to an HSA. FSA coverage extends tax benefits to family members allowing the FSA holder to be reimbursed for medical expenses for themselves, their spouse, and their dependents.

The Value & Perks • Election Accessibility: You will have access to your entire election on the ﬁrst day of the plan year. • Save On Eligible Expenses: You can save up to 40% on thousands of eligible everyday expenses such as prescriptions, doctor’s visits, dental services, glasses, over-the-counter medicines, and copays.

• Keep More Money: The funds are taken out of your paycheck "pre-tax" (meaning they are subtracted from your gross earnings before taxes) throughout the course of the year. Let’s say you earn $40,000 a year and contribute $1,500 to an FSA; so, only $38,500 of your income gets taxed. That means you are increasing your take-home pay simply by participating!

• Easy Spending and Account Management: You will receive an Ameriﬂex Debit Mastercard linked to your FSA. You can use your card for eligible purchases everywhere Mastercard is accepted. Account information can be securely accessed 24/7 online and through the mobile app.

Learn more at myameriﬂex.com | 844.423.4636 | info@myameriﬂex.com 15

Eligible FSA Expenses The IRS determines what expenses are eligible under an FSA. Below are some examples of common eligible expenses.

Copays, deductibles, and other payments you are responsible for under your health plan.

Routine exams, dental care, prescription drugs, eye care, hearing aids, etc.

Prescription glasses and sunglasses, contact lenses and solution, LASIK, and eye exams.

Certain OTC expenses such as Band-aids, medicine, First Aid supplies, etc. (prescription required).

Diabetic equipment and supplies, durable medical equipment, and qualiﬁed medical products or services.

For a full list of eligible expenses, go to myameriﬂex.com/eligibleexpenses.

The “Use-or-Lose” Rule If you contribute dollars to a reimbursement account and do not use all the money you deposit, you will lose any remaining balance in the account at the end of the eligible claims period. This rule, established by the IRS as a component of tax-advantaged plans, is referred to as the “use-or-lose” rule. To avoid losing any of the funds you contribute to your FSA, it’s important to plan ahead as much as possible to estimate what your expenditures will be in a given plan year.

Learn more at myameriﬂex.com | 844.423.4636 | info@myameriﬂex.com 16

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

FSA Calculator

Search comprehensive list of eligible products and services.

Estimate how much you can save with an FSA.

Learning Center

Savings Center

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

Easy tips and resources for living with an FSA.

Your funds go further with the FSA Store rewards program.

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 17

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

DEPENDENT CARE ACCOUNT

Dependent Care Account Set aside tax-free money for daycare and dependent care services Use the below information to determine if a Dependent Care Account (DCA) is right for you and how to best take advantage of an DCA account.

How It Works When you enroll in a Dependent Care Account (DCA) you get to experience tax savings on expenses like daycare, elderly care, summer day camp, preschool, and other services that allow you to work full time.

The Value & Perks • Save On Eligible Expenses: You can use a DCA to pay for qualifying expenses such as daycare, summer day care, elder care, before and after school programs, and pre-school.

• Keep More Money: The funds are taken out of your paycheck "pre-tax" (meaning they are subtracted from your gross earnings before taxes) throughout the course of the year. Let’s say you earn $40,000 a year and contribute $1,500 to an DCA; so, only $38,500 of your income gets taxed. That means you are increasing your take-home pay simply by participating!

• Easy Spending and Account Management: You will receive an Ameriﬂex Debit Mastercard linked to your DCA. You can use your card for eligible purchases everywhere Mastercard is accepted. Account information can be securely accessed 24/7 online and through the mobile app.

Eligible DCA Expenses The IRS determines what expenses are eligible under a DCA. Below are some examples of common eligible expenses:

Private sitter

Daycare and elder care

Before- and after-school care

Summer day camp

Nanny service

Nursery school & Pre-school

For a full list of eligible expenses, go to myameriﬂex.com/eligibleexpenses.

Learn more at myameriﬂex.com | 844.423.4636 | info@myameriﬂex.com 19

www.myameriflex.com

Online Account Instructions How to Access Your Ameriflex Account: Go to MyAmeriflex.com and click “Login” from the upper right hand corner. When prompted, select “Participant.”

How to Register Online For Your Ameriflex Spending Account: Click the register button atop the right corner of the home screen. 1. As the primary account holder, enter your personal information. • Choose a unique User ID and create a password (if you are told that your username is invalid or already taken, you must select another). • Enter your first and last name. • Enter your email address. • Enter your Employee ID, which in most cases, will be the account holder’s Social Security Number(no dashes or spaces needed). 2. Check the box if you accept the terms of use. 3. Click 'register'. This process may take a few seconds. Do not click your browser’s back button or refresh the page. 4. Last, you must complete your Secure Authentication setup. Implemented to protect your privacy and help us prevent fraudulent activity, setup is quick and easy. After the registration form is successfully completed, you will be prompted to complete the secure authentication setup process: Step 1: Select a Security Question option, and type in a corresponding answer. Step 2: Repeat for the following three Security Questions, then click next. Step 3: Verify your email address, and then click next. Step 4: Verify and submit setup information, 5. The registration process is complete! Should you receive an information error message that does not easily guide you through the information correction process, please feel free to contact our dedicated Member Services Team at 888.868.FLEX (3539).

Want to Manage Your Account on the go? Download the MyAmeriflex mobile app, available through the App Store or Google Play. Your credentials for the MyAmeriflex Portal and the MyAmeriflex Mobile App are the same; there is no need for separate login information!

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

TELEMEDICINE BENEFITS

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Access to professional Life Counselors and specialists who can help you achieve balance in your personal, family and work life is just a call away.

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Our Bill Saver program can help reduce the amount you owe for medical and dental bills over $400, often resulting in savings between 25-50%.

Please use link below to enroll: http://www.getcadrplus.com/index.cfm?id=355696 22

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MEET OUR DOCTORS

GET THE CARE YOU NEED

WHEN CAN I USE TELADOC?

Teladoc is simply a new way to access

Teladoc doctors can treat many

Teladoc does not replace your primary

qualified doctors. All Teladoc doctors:

medical conditions, including:

physician it is a convenient and

•

Are practicing PCPs,

•

Cold & flu symptoms

pediatricians, and family

•

Allergies

•

When you need care now

medicine physicians

•

Sinus problems

•

If you're considering the

•

Average 20 years experience

•

Sore Throat

ER or urgent care for a

•

Are U.S. board-certified and

•

Respiratory infection

non-emergency issue

licensed in your state

•

Skin problems

Are credentialed every three

•

And more!

•

affordable option for quality care.

•

or away from home •

years, meeting NCQA standards

On vacation, on a business trip, For short term prescription refills

Talk to a doctor anytime for free! Teladoc.com 1-800-TELADOC (835-2362)

© 2019 Teladoc Health, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc Health, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, non therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services.

04042016 10E-100B

So many reasons to use Teladoc ® Teladoc gives you access 24 hours, 7 days a week to a U.S. board-certified doctor through the convenience of phone, video or mobile app visits. It's an affordable option for quality medical care. 1

GET THE CARE YOU NEED Teladoc doctors can treat many medical conditions, including: Talk to a doctor anytime, anywhere you happen to be

Prompt treatment, talk to a doctor in minutes

Receive quality care via phone, video or mobile app

• Cold & flu symptoms • Allergies • Pink Eye • Respiratory infection • Sinus problems • Skin problems • And more! With your consent, Teladoc is

A network of doctors that can treat every member of the family

Prescriptions sent to pharmacy of choice if medically necessary

Teladoc is less expensive than the ER or urgent care

happy to provide information about your Teladoc visit to your primary care physician

Talk to a doctor anytime for free! Teladoc.com 1-800-TELADOC (835-2362) 24

03302016 10E-103B

Register Your Account Follow these simple steps to set up your Teladoc Health account and access your available services.

1. Get Started

Visit TeladocHealth.com or open the Teladoc Health app and select Register Now.

2. Create Your Login

Enter your email address, create a password, and follow the prompts to verify your email.

3. Verify Your Eligibility Enter your: • • •

First and last name Date of birth ZIP code

Make sure this information matches the information provided by your employer or organization. When prompted, do not check the box indicating that you do not have benefits through an employer or organization.

4. Confirm Your Benefits

Once your information is matched, you'll see your employer or organization and the Teladoc Health services available to you. Confirm your information and continue.

5. Complete Your Account

Follow the remaining prompts to finish setting up your account. That's it! You're ready to access care with Teladoc Health.

Can't Find Your Coverage?

If Teladoc can't find your information or asks you to enter your health insurance information, STOP and contact your HR team as soon as possible. This means Teladoc was unable to match you to your employer-sponsored benefits.

Access Teladoc 24/7 via the app, online at TeladocHealth.com or by calling (800) 835-2362. 25

Pharmacy Discount Card – Save on prescription medication Our FREE pharmacy discount card allows your employees to save an average of 47% on your prescription medication (up to 85%) using the pharmacy discount card. It’s easy to use and accepted at over 66,000 pharmacies nationwide!

Key Benefits: à Save an average of 47% on prescriptions à Save at over 66,000 pharmacies à No claim forms to file à No deductibles à No limits or maximums à No pre-existing conditions

Accessing the Discount Card 1. Register for a card at discountdrugnetwork.com a. Click on ‘Get Your Free Card’ b. Provide your personal information, including name, address, email and/or phone c. Click ‘submit’ and a card is sent to you by mail in 3 to 4 weeks d. Once registered, you can also have your card immediately texted to your phone 2. Find a provider. a. Use discountdrugnetwork.com/rx-discount/ to search local partners for the lowest possible price b. Search from over 66,000 pharmacies to find the best price 3. Go to your pharmacy of choice and present your card. a. You will pay the discounted rate at the time of purchase by showing your card. b. You will not have to fill out any reimbursement paperwork; your savings are immediate!

Contact the Discount Card à Online: www.discountdrugnetwork.com

we make healthcare easier Our experts can: • Support medical issues, from common to complex • Answer questions about diagnoses and treatments • Find the right in-network doctors and make appointments • Research and arrange expert second opinions • Resolve insurance claims and billing issues • Provide confidential help with personal issues, 24/7 • Help with stress, anxiety, depression and more • Find local services to help you balance your work and life • Locate legal, financial and childcare resources • Lower bills for non-covered medical/dental services

Available at no cost to employees, their spouse, dependent children, parents and parents-in-law. Completely confidential. We’re not an insurance company. West’s Health Advocate Solutions is not a direct healthcare provider, and is not affiliated with any insurance company or third party provider. ©2017 Health Advocate HA-CEMBSM-1610013-13FLY

Turn to us—we can help. (877) 240-6863

Download the app today!

Email: answers@HealthAdvocate.com Web: HealthAdvocate.com/members

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

DENTAL INSURANCE

Delta Dental PPO plus Premier™ Summary of Dental Plan Benefits For Group #1206-0001, 0099 Wake County Public School System This Summary of Dental Plan Benefits should be read along with your Certificate. Your Certificate provides additional information about your Delta Dental plan, including information about plan exclusions and limitations. If a statement in this Summary conflicts with a statement in the Certificate, the statement in this Summary applies to you and you should ignore the conflicting statement in the Certificate. The percentages below are applied to Delta Dental's Maximum Approved Fee for each service and it may vary due to the Dentist's network participation.* Control Plan – Delta Dental of North Carolina Benefit Year – January 1 through December 31 Covered Services –

Delta Dental PPO™ Delta Dental Nonparticipating Dentist Premier® Dentist Dentist Plan Pays Plan Pays Plan Pays* Diagnostic & Preventive Diagnostic and Preventive Services – exams, cleanings (includes cleaning of complete and partial dentures), fluoride, 100% 100% 100% and space maintainers Emergency Palliative Treatment – to temporarily relieve pain 100% 100% 100% Sealants – to prevent decay of permanent teeth 100% 100% 100% Brush Biopsy – to detect oral cancer 100% 100% 100% Radiographs – X-rays 100% 100% 100% Harmful Habit appliance – thumb sucking appliance 100% 100% 100% Basic Services Minor Restorative Services – fillings and crown repair 50% 50% 50% Endodontic Services – root canals 50% 50% 50% Periodontic Services – to treat gum disease 50% 50% 50% Oral Surgery Services – extractions and dental surgery 50% 50% 50% Major Restorative Services – crowns 50% 50% 50% Other Basic Services – misc. services 50% 50% 50% Relines and Repairs – to bridges, implants, and dentures 50% 50% 50% Major Services Prosthodontic Services – bridges, implants, dentures, and 50% 50% 50% crowns over implants Orthodontic Services Orthodontic Services – braces 50% 50% 50% Orthodontic Age Limit – Dependent Children Dependent Children Dependent Children to the end of the to the end of the to the end of the month of age 26 month of age 26 month of age 26 * When you receive services from a Nonparticipating Dentist, the percentages in this column indicate the portion of Delta Dental's Nonparticipating Dentist Fee that will be paid for those services. This Nonparticipating Dentist Fee may be less than what your dentist charges, which means that you will be responsible for the difference. The explanation and sample calculation of how these services will be paid can be found in Section VI - How Payment is Made in your Certificate.

NCPPOSUM2022

KR#16170632

                



Oral exams (including evaluations by a specialist) are payable twice per calendar year. Prophylaxes (cleanings) are payable twice per calendar year. Full mouth debridement is payable once in any five-year period. Fluoride treatments are payable twice per calendar year for people age 20 and under. Space maintainers are Covered Services without limitation for people age 18 and under. Bitewing X-rays (excluding vertical films) are payable twice per calendar year. Vertical bitewing X-rays are payable once in any three-year period. Full mouth X-rays (which include bitewing X-rays) or a panorex are payable once in any three-year period. Extra-oral posterior dental X-rays are Covered Services. Certain laboratory tests are payable once in any 12-month period. Sealants are payable once per tooth per two calendar years for permanent molars for people age 18 and under. The surface must be free from decay and restorations. Veneers are payable on incisors and cuspids once per tooth per five-year period when necessary due to fracture or decay. Composite resin (white) restorations are payable on all teeth, including posterior teeth. Porcelain and resin facings on crowns are payable on posterior teeth. Pulpal regeneration is a Covered Service. Localized delivery of chemotherapeutic agents is payable two times per quadrant in any two-year period. Oroantral fistula closure, tooth transplantation, vestibuloplasty, frenectomy, frenuloplasty, bone replacement graft for ridge preservation, and sinus augmentation are Covered Services. Excision of bone tissue is payable five times per lifetime. Full and partial dentures are payable once in any five-year period. Reline and rebase of dentures is payable once in any two-year period. Interim dentures are payable once in any five-year period. Implants are payable once per tooth in any five-year period. Radiographic or surgical implant index is payable once in any twoyear period. Implant related services and bone graft at time of implant placement are Covered Services. Crowns over implants, semi-precision attachment abutment, implant or abutment supported connecting bar, and replacement of semi-precision or precision attachment of implant/abutment supported prosthesis are payable once in any five-year period. Services related to crowns over implants are Covered Services. Antibiotic drug injections are Covered Services. Application of desensitizing medicament (for example, application of adhesive resins) is payable once in every six-month period. Cleaning and inspection of removable partial and complete dentures is payable four times per calendar year. Occlusal guards are not Covered Services. People with special health care needs may be eligible for additional services including exams, hygiene visits, dental case management, and silver diamine fluoride treatment. Special health care needs includes any physical, developmental, mental, sensory, behavioral, cognitive, or emotional impairment or limiting condition that requires medical management, healthcare intervention, and/or use of specialized services or programs. The condition may be congenital, developmental, or acquired through disease, trauma, or environmental cause and may impose limitations in performing daily self-maintenance activities or substantial limitations.

Passport Dental

Having Delta Dental coverage makes it easy for you to get dental care almost everywhere in the world! You can now receive expert dental care when you are outside of the United States through our Passport Dental program. This program gives you access to a worldwide network of Dentists and dental clinics. English-speaking operators are available around the clock to answer questions and help you schedule care. For more information, check our website or contact your benefits representative to get a copy of our Passport Dental information sheet. Maximum Payment – Delta Dental PPO™ Dentist or Delta Dental Premier® Dentist - $1,250 per Member total per Benefit Year on all services except orthodontic services. $1,000 per Member total per lifetime on orthodontic services. Nonparticipating Dentist - $1,000 per Member total per Benefit Year on all services except orthodontic services. $1,000 per Member total per lifetime on orthodontic services. These are not separate maximums by type of dentist. Payment for Orthodontic Service – When orthodontic treatment begins, your Dentist will submit a payment plan to Delta Dental based upon your projected course of treatment. In accordance with the agreed upon payment plan, Delta Dental will make an initial payment to you or your Participating Dentist equal to Delta Dental's stated Copayment on 30% of the Maximum Payment for Orthodontic Services as set forth in this Summary of Dental Plan Benefits. Delta Dental will make additional payments as follows: Delta Dental will pay 50% of the per month fee charged by your Dentist based upon the agreed upon payment plan provided by Delta Dental to your Dentist. Maximum Carryover – Delta Dental PPO™ Dentist or Delta Dental Premier® Dentist - If at least one Covered Service is paid in a Benefit Year and the total Benefit paid does not exceed $500 in that Benefit Year, $350 will carry over to the next Benefit Year's

NCPPOSUM2022

KR#16170632

Maximum Payment. This carryover amount will accumulate from one Benefit Year to the next, but will not exceed $1,000. If no Covered Services are paid during a Benefit Year, all accumulated carryover amounts from previous Benefit Years will be forfeited. Nonparticipating Dentist - If at least one Covered Service is paid in a Benefit Year and the total Benefit paid does not exceed $500 in that Benefit Year, $250 will carry over to the next Benefit Year's Maximum Payment. This carryover amount will accumulate from one Benefit Year to the next, but will not exceed $1,000. If no Covered Services are paid during a Benefit Year, all accumulated carryover amounts from previous Benefit Years will be forfeited. Deductible – $50 Deductible per Member total per Benefit Year. The Deductible does not apply to diagnostic and preventive services, emergency palliative treatment, brush biopsy, X-rays, sealants, cleaning and inspection of a partial and complete denture, and orthodontic services. Waiting Period – Employees who are eligible for dental benefits are covered on the first of the month following the date of hire. Eligible People – All eligible employees enrolled in the Teachers' and State Employees' Retirement System, permanent full-time employees working 30 or more hours per week and employees in a job share position as defined by Wake County Public School System who choose the dental plan. Also eligible are your Spouse and your Children to the end of the month in which they turn 26, including your Children who are married, who no longer live with you, who are not your Dependents for Federal income tax purposes, and/or who are not permanently disabled. You and your eligible Dependents may only enroll during an Open Enrollment Period or when the enrollment is the result of a qualifying event as defined under Internal Revenue Code Section 125. Your Dependents may only enroll if you are enrolled (except under COBRA) and must be enrolled in the same plan as you. Plan changes are only allowed during Open Enrollment Periods, except that an election may be revoked or changed at any time if the change is the result of a qualifying event as defined under Internal Revenue Code Section 125. Coordination of Benefits – If you and your Spouse are both eligible to enroll in This Plan as Enrollees, you may be enrolled together on one application or separately on individual applications, but not both. Your Dependent Children may only be enrolled on one application. Delta Dental will not coordinate Benefits between your coverage and your Spouse's coverage if you and your Spouse are both covered as Enrollees under This Plan. Benefits will cease on the termination date as defined by Wake County Public School System.

Customer Service Toll-Free Number: 800-662-8856 (TTY users call 711) https://www.DeltaDentalNC.com January 1, 2027 NCPPOSUM2022

KR#16170632

Stay in network and save As a Delta Dental PPO plus Premier™ member, you may see any dentist you like. However, there are advantages to choosing a dentist who belongs to one of Delta Dental’s two dentist networks. Delta Dental PPO™ dentists

• • •

No balance billing on covered services Most significant network discounts with more than 3,137 dentists in North Carolina1 Dentists file claims for member

Delta Dental Premier® dentists

• • •

No balance billing on covered services Significant network discounts with more than 4,356 dentists in North Carolina**1 Dentists file claims for member

Out-of-network dentists

• • •

May be balance billed No network discounts May need to file own claims

1 Delta Dental of North Carolina internal data, Dec. 2025.

How it works—As shown below, your lowest out-of-pocket costs result from going to a Delta Dental PPO™ dentist.

Example savings for a crown by network

Estimated Maximum charge allowed fees

Percentage Amount Amount Total paid by Delta dentist can amount Delta Dental Dental pays balance bill you pay

Your total cost savings 600

Delta Dental PPO™

1,500

900

50%

450

Delta Dental Premier®

1,500

1,000

50%

500

Out-of-network

1,500

1,000

50%

500

1,000

500 0

Delta Dental PPO™ dentists

Delta Dental Premier® dentists

Out-of-network dentists

Delta Dental PPO™ dentists have agreed to charge $900 for the $1,500 service, a savings of $600. Your Delta Dental plan covers 50 percent of the cost. Assuming you’ve already met your deductible for the year, Delta Dental will pay $450 and you’ll pay $450.

Delta Dental Premier dentists have agreed to charge $1,000—a savings of $500 compared to the fee the dentist usually charges. Assuming you’ve met your deductible, Delta Dental will cover 50 percent of that $1,000, paying $500. You’ll also pay $500. That’s an extra $50 tacked on to your share of the bill when compared to what you would have paid with a Delta Dental PPO™ dentist.

Out-of-network dentists have not agreed to charge lower fees and can bill the full $1,500. Delta Dental has set a limit on the accepted amount at $1,000, which means Delta Dental’s share of the tab is $500. The dentist can bill you the difference between Delta Dental’s payment and what they charge. This leaves you with a bill of $1,000, including the $500 the out-ofnetwork dentist can “balance bill.”

* This number is inclusive of the PPO network. NOTE: Payment examples above are illustrative only. Fees and reimbursements can vary by location and dentist. They do however represent how payment is determined.

Find Delta Dental participating dentists near you by using the search feature on our website at www.deltadentalnc.com/findadentist, or by calling Delta Dental toll-free at 800-662-8856. FLI-6241-NC v9

PA 12/25

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

VISION INSURANCE

Wake County Public School System SUMMARY OF B E NEFITS

OFF

additional complete pair of prescription eyeglasses

20 %

OFF

non-covered items, including nonprescription sunglasses

Find an eye doctor (Insight Network) • • • •

866.804.0982 eyemed.com EyeMed Members App For LASIK, call 1.800.988.4221

Heads Up You may have additional benefits. Log into eyemed.com/member to see all plans included with your benefits.

VISION CARE SERVICES

IN-NETWORK MEMBER COST

OUT-OF-NETWORK MEMBER REIMBURSEMENT

EXAM SERVICES Exam Retinal Imaging

$0 copay Up to $39

Up to $40 Not covered

CONTACT LENS FIT AND FOLLOW-UP Fit and Follow-up - Standard Fit and Follow-up - Premium FRAME Frame

$25 copay; contact lens fit and Up to $40 two follow-up visits $25 copay; 10% off retail price, Up to $40 then apply $40 allowance $0 copay; 20% off balance over $200 allowance

Up to $140

STANDARD PLASTIC LENSES Single Vision Bifocal Trifocal Lenticular Progressive - Standard Progressive - Premium Tier 1 - 4

$10 copay $10 copay $10 copay $10 copay $65 copay $95 - 185 copay

Up to $34 Up to $50 Up to $70 Up to $70 Up to $50 Up to $50

LENS OPTIONS Anti Reflective Coating - Standard Anti Reflective Coating - Premium Tier 1 - 3 Photochromic - Non-Glass Polycarbonate - Standard Polycarbonate - Standard < 19 years of age Scratch Coating - Standard Plastic Tint - Solid and Gradient UV Treatment All Other Lens Options

$45 $57 - 85 $75 $40 $0 copay $15 $15 $15 20% off retail price

Up to $23 Up to $23 Not covered Not covered Up to $20 Not covered Not covered Not covered Not covered

CONTACT LENSES Contacts - Conventional

$0 copay; 15% off balance over Up to $105 $150 allowance $0 copay; 100% of balance Up to $105 over $150 allowance $0 copay; paid in full Up to $300

Contacts - Disposable Contacts - Medically Necessary OTHER LASIK or PRK from U.S. Laser Network FREQUENCY Exam Frame Lenses Contact Lenses

15% off retail or 5% off promo price; call 1.800.988.4221

Not covered

ALLOWED FREQUENCY ADULTS Once every plan year Once every plan year Once every plan year Once every plan year

ALLOWED FREQUENCY - KIDS Once every plan year Once every plan year Once every plan year Once every plan year

(Plan allows member to receive either contacts and frame, or frames and lens services.)

EyeMed reserves the right to make changes to the products available on each tier. All providers are not required to carry all brands on all tiers. For current listing of brands by tier, call 866.939.3633. No benefits will be paid for services or materials connected with or charges arising from: medical or surgical treatment, services or supplies for the treatment of the eye, eyes or supporting structures; Refraction, when not provided as part of a Comprehensive Eye Examination; services provided as a result of any Workers’ Compensation law, or similar legislation, or required by any governmental agency or program whether federal, state or subdivisions thereof; orthoptic or vision training, subnormal vision aids and any associated supplemental testing; Aniseikonic lenses; any Vision Examination or any corrective Vision Materials required by a Policyholder as a condition of employment; safety eyewear; solutions, cleaning products or frame cases; non-prescription sunglasses; plano (non-prescription) lenses; plano (non-prescription) contact lenses; two pair of glasses in lieu of bifocals; electronic vision devices; services rendered after the date an Insured Person ceases to be covered under the Policy, except when Vision Materials ordered before coverage ended are delivered, and the services rendered to the Insured Person are within 31 days from the date of such order; or lost or broken lenses, frames, glasses, or contact lenses that are replaced before the next Benefit Frequency when Vision Materials would next become available. Fees charged by a Provider for services other than a covered benefit and any local, state or Federal taxes must be paid in full by the Insured Person to the Provider. Such fees, taxes or materials are not covered under the Policy. Allowances provide no remaining balance for future use within the same Benefit Frequency. Some provisions, benefits, exclusions or limitations listed herein may vary by state. Plan discounts cannot be combined with any other discounts or promotional offers. In certain states members may be required to pay the full retail rate and not the negotiated discount rate with certain participating providers. Please see online provider locator to determine which participating providers have agreed to the discounted rate. Underwritten by Fidelity Security Life Insurance Company of Kansas City, Missouri, Policy number VC-19, form number M-9083, or Policy number VC-146, form number M-9184, in New York underwritten by Fidelity Security Life Insurance Company of New York, Policy Number VCN-1, form number MN-1, or Policy Number VCN-19, form number MN-28. This is a snapshot of your benefits. The Certificate of Insurance is on file with your employer.

Ready to live your best EyeMed life? There’s so much more to your vision benefits than copays and coverage. Get ready to see the good stuff for yourself.

Your network is the place to start See who you want, when you want. You have thousands of providers to choose from — independent eye doctors, your favorite retail stores, even online options.

Keep your eyes open for extra discounts* Members already save an average 76% off retail using their EyeMed benefits,1 but our long list of special offers takes benefits even further.

Remember, you’re never alone We’re always here to help you use your benefits like a pro. Stay in-the-know with text alerts or healthy vision resources from the experts. If it can make benefits easier for you, we do it. * Discounts are not insurance. Available at participating providers. 1 Based on weighted average of sample transactions: EyeMed Insight network/$10 exam copay/$10 materials copay/$150 frame or contact lens allowance. 2021 EyeMed Commercial BOB stats.

Create a member account at eyemed.com/member Everything is right there in one spot. Check claims and benefits, see special offers, estimate costs and find an eye doctor — search for one with the hours, location and brands you want. For maximum mobility, try the EyeMed App (Google Play or App Store).

This information is available broadly and is not plan or state specific. PDF-2301-M-651

HE ARING INDEMNIT Y BENEFITS

Hear life to the fullest For those struggling with hearing loss, everyday conversations and interactions can be challenging. The EyeMed vision plan offered by your employer includes a hearing indemnity insurance benefit, providing coverage for a hearing exam and prescription hearing aids so you never miss a moment.

MEMBER BENEFITS

Hearing Exam

$50

Prescription Hearing Aids

$400

PER E AR

Service Type

Allowed Frequency Adults

Allowed Frequency Kids

Hearing Exam

Once every 24 months

Once every 12 months

Prescription Hearing Aids (per ear)

Once every 48 months

Once every 24 months

PLAN EXCLUSIONS / LIMITATIONS: No benefits will be paid for services or materials: Provided free of charge in the absence of insurance; payable under any Workers’ Compensation law or similar statutory authority; payable under any governmental plan or program whether Federal, state or subdivisions thereof, except for medical assistance benefits under Title XIX of the Social Security Act (Medicaid); for the medical and/or surgical treatment of the internal or external structures of the ear(s); Hearing Exam provided by a Hearing Aid Dispenser; required by an employer as a condition of employment; Hearing Aid, not prescribed by a Physician or Audiologist; any exam not performed expressly for the purpose of detecting or diagnosing Hearing Loss; for Hearing Aid batteries, cleaning supplies or accessories; for ear protection devices or plugs; for Assistive Listening Devices, disposable Hearing Aids, and over-the-counter hearing devices; for replacement due to loss, theft of or damage to the Hearing Aid; or any maintenance, modifications or repair to the Hearing Aid after it is received by the Insured Person. Underwritten by Fidelity Security Life Insurance Company® of Kansas City, Missouri, except in New York. Fidelity Security Life Insurance Company® of New York. Policy number VC-146, Rider R-03141. This information is available broadly and is not plan or state specific. Special offers are not valid in the state of Texas or Louisiana. PDF-2607-M-347

ME MB E R O FFE R: FRE E D O M PAS S

Freedom never looked so good G E T THE FR AME YO U WANT FO R $0 O UT- O F-P O CK E T As an EyeMed member, you can enjoy a Freedom Pass, a special offer that goes above and beyond your frame allowance. Choose your favorite frame at LensCrafters® or Target Optical® and pay nothing — nada, zilch, zero — regardless of the retail price.* Here’s how it works: Say you love those brand-name frames that cost $180. If you have a frame allowance of $130, Freedom Pass covers the remaining $50. Plus, you can still use your vision benefits to help pay for your lenses and complete your look.

US E YO U R FRE E D O M PAS S TO DAY

Go to freedompass.eyemed.com and enter EMFP25 to get your in-store offer code.

Show this coupon to the store associate. Use code 8950.

S H O P THES E TO P B R ANDS AND M O RE

Be stylish and savvy. Log into your member account at eyemed.com/member to get more special offers. * Valid for frames only and must be used in conjunction with your EyeMed frame benefit of $130 or more. Valid for select EyeMed plans and may be used once per frame benefit year. Valid instore at LensCrafters or Target Optical. Complete pair purchase required — member is still responsible for lenses, which are covered based on your vision benefits and may include an additional copay. Discounts are not insured benefits. Offer excludes Chanel, Cartier, Giorgio Armani, Gucci, Prada, Ray-Ban Stories, Tiffany, Tom Ford, Maui Jim, Oliver Peoples and Lindberg frames. 39

PDF-2210-M-938

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

GROUP TERM LIFE INSURANCE

Group Term Life Insurance Wake County Schools

How secure is your family’s future without you? Losing a loved one is always difficult. The last thing you need to worry about is the financial cost. Funeral expenses, medical bills and taxes are just the tip of the iceberg. Do you know how you would cover ongoing living expenses such as the mortgage, healthcare and utilities? Plan for the future with Colonial Life’s group term life insurance.

My Coverage Worksheet What is group term life insurance? Death benefit protection Lower cost option Provides coverage for specified periods of time, which can be during high-need years Benefit is typically paid tax-free to your beneficiaries

How much coverage do I need? n You

n Your spouse*

n Your dependent children*

$______________________________

Available in $1,000 increments Minimum of $10,000 to a maximum of 5 times your salary to $500,0003

Available in $1,000 increments

10 Month Rates - $0.216 per $1,000 11 Month Rates - $0.196 per $1,000 12 Month Rates - $0.18 per $1,000

Minimum of $5,000 to 100% of the employee amount Spouse coverage cannot exceed your coverage amount1

(Up to age 26)

Benefits available in $1,000 increments to a maximum of $10,000 Each dependent child is covered for the same amount, except children from live birth to 6 months for whom the death benefit is $1,000 10 Month Rates - $0.377 per $1,000 11 Month Rates - $0.343 per $1,000 12 Month Rates - $0.314 per $1,000

*Dependent coverage must be sold in conjunction with supplemental coverage for the employee. **The children’s term rider rates are per thousand per dependent unit. The children’s term rider is a blanket rider that covers all dependent children; therefore, one premium covers all children. 42

What other benefits are included? Accelerated death benefit: An advance of up to 75% of the death benefit, to a maximum of $150,000, if the covered person is diagnosed with a terminal illness. Terminal illness means an injury or sickness that results in the covered person having a life expectancy of 12 months or less and from which there is no reasonable prospect of recovery.3 Health Advocate Employee Assistance Program: provides 24-hour confidential personal support and referral service, including a medical bill saver service. Face-to-face sessions and video counseling with mental health professionals are available.4 ONLINE ColonialLife.com/EAP TELEPHONE 1-888-645-1772 Life Planning Services: offer financial and legal counseling services, as well as grief support and referral for up to 12 months after a claim.4

Can I apply for guaranteed-issue coverage for my spouse or dependent children at the initial enrollment? Yes, but their coverage will not be effective if they are currently totally disabled. Being totally disabled5 means the inability to perform two or more activities of daily living, being confined in a hospital or similar institution, or being unable to attend school outside the home (for a dependent child ages age 5 to 26). The ability to work does not determine disability. You can pay premiums on insurance for your dependents with no health questions asked. However, coverage isn’t effective until the earlier of the date they are no longer totally disabled or two years after the date that coverage would have otherwise become effective for the spouse or dependent child. This provision does not apply to newborn children born while dependent insurance is in effect. This policy has exclusions and limitations. For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy number GTL1.0-P and certificate number GTL 1.0-C (including state abbreviations where used). 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.

ONLINE HealthAdvocate.com/members ColonialLife-lifeplanning TELEPHONE 1-800-422-5142

What features are included? Portability: All ported insureds will continue to pay at the active group rates.

1 In WA, minimum face amount available is $25,000. 2 The maximum benefit is 50% of your benefit, up to $250,000 in NE. 3 A life expectancy of 24 months or less in IL, KS, MA, TX and WA. 4 The Employee Assistance Program and Life Planning Services, provided by Health Advocate, are available with Colonial Life & Accident Insurance Company’s Group Term Life offering. Terms and availability of service are subject to change. The service provider does not provide legal advice; please consult your attorney for guidance. Services are not valid after coverage terminates. Please contact the company for full details. 5 In ID, NH and TX, the definition of total disability does not include Activities of Daily Living (ADL) requirements.

Conversion: You may be eligible to convert your coverage to a cash value policy without proof of good health when coverage ends under the group certificate. Waiver of premium: If included in your plan, premium payments are waived if you become disabled.

ColonialLife.com

Insurance products are underwritten by Colonial Life & Accident Insurance Company. ©2020 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

10-20 | NS-16207-2

Summary of Voluntary Group Term Life Benefits for Wake County Schools Account # F2028181 Eligibility Guidelines Must be a full-time permanent employee (30 hours or more per week) or a classroom teacher in a job-sharing position and enrolled in the Teachers' and State Employees' Retirement System of North Carolina to be eligible to participate. Eligible spouses and dependent children (up to age 26) also qualify for coverage if employee purchases coverage.

Built-in-Benefits Accelerated Death Benefit

An insured can advance up to 75% of their death benefit to a maximum of $150,000 if diagnosed with a terminal illness and given 12 months or less to live. Benefit amount discounted for 12 months.

Employee Assistance Program

Provides online, telephonic, and in-person services to all employees with GTL 1.0 coverage and includes will preparation assistance

Life Planning Financial and Legal Service

Provides terminally ill employees and designated beneficiaries financial, legal, and emotional support in dealing with death and loss.

Portability

Employees and their spouse and dependent children may continue coverage when the employee leaves his job, reduces hours below the minimum required or retires. Employees and their spouse and dependent children may continue coverage when the employee leaves his job, reduces hours below the minimum required or retires. All ported insurance will continue to pay the active group rates. Evidence of insurability is not required at time of port.

Conversion

Right to convert to an individual level premium whole life plan then in use by us without proof of good health.

Waiver of Premium

Included for all coverages purchased. Based on employee’s total disability that occurs before age 65, lasts to age 65 or retirement with a 270 day elimination period. Total disability means unable to perform any occupation.

Benefit Reduction Due to Age

When an employee turns 70, coverage reduces to 65% of the face amount in effect just prior to age 70. When an employee turns 75, coverage reduces to 50% of the face amount in effect just prior to age 70. Policies issued to individuals over age 70 initially are automatically reduced in accordance with the schedule above. Spouses experience the same reduction schedule, but it is based on the spouse's age.

Group Term Life Exclusions Insurance delayed for employees not in active employment because of injury, sickness, temporary layoff, or leave of absence on date of insurance otherwise effective. 24 month suicide exclusion applies to initial amounts of insurance and any increases.

Voluntary Term Life Insurance 12 Monthly Premiums per $1,000 of covered volume. Voluntary Life - Employee

$.18

Voluntary Life – Spouse

$.18

Voluntary Life – Child

$.314

* Rates per $1,000 of covered volume.

Voluntary Term Life Insurance 11 Monthly Premiums per $1,000 of covered volume. Voluntary Life - Employee

$.196

Voluntary Life – Spouse

$.196

Voluntary Life – Child

$.343

* Rates per $1,000 of covered volume.

Voluntary Term Life Insurance 10 Monthly Premiums per $1,000 of covered volume. Voluntary Life - Employee

$.216

Voluntary Life – Spouse

$.216

Voluntary Life – Child

$.377

* Rates per $1,000 of covered volume.

Guaranteed Issue Underwriting for New Hires For You: You must enroll within 30 days of being eligible. If you are newly eligible and elect an amount that exceeds the guaranteed issue amount of the lesser of 5x your salary or $200,000, you will need to provide evidence of insurability. For Your Spouse: If you elect coverage for yourself, you can elect up to $50,000 with no medical questions asked. The amount you select for your spouse cannot exceed 100% of your coverage amount. For Your Child(ren): If you elect coverage for yourself, you can elect up to $10,000 with no medical questions asked. The amount you select for your child(ren) cannot exceed 100% of your coverage amount. If you were previously eligible and are electing coverage for the first time, or electing to increase current coverage, you will need to provide evidence of insurability.

46 41

Employee assistance and life planning Get support when you need it the most

The Employee Assistance Program (EAP) and Life Planning Services from Health Advocate offer a wide range of support that can help you with life’s challenges at home and work. These benefits are available to you with Colonial Life Group Term Life Insurance.

More options to get support Health Advocate EAP provides 24-hour confidential counseling* and resources with unlimited phone support, online chat and up to three face-to-face sessions for a variety of personal and work issues, such as: • Stress, anxiety and depression

• Special needs services

• Substance dependency/addiction

• Identity theft resources

• Child care, camps and after-school care

• Retirement planning • Staying healthy

• Grief and loss

To access EAP, call or go online:

Online ColonialLife.com/EAP

Expert support on medical expenses Get help in navigating your medical and dental out-of-pocket expenses with Medical Bill Saver®, another Health Advocate EAP resource. Medical Bill Saver can help: • Negotiate out-of-pocket medical and dental costs over $400

Telephone 1-888-645-1772

• Provide a Savings Results Statement summarizing the outcome • Explain how to maximize your savings and get the most value from your benefits

GROUP TERM LIFE INSURANCE

Life Planning Services Health Advocate Life Planning Services can help ease the burden on families with a terminally ill employee, spouse or designated beneficiary. This service offers financial and legal counseling for up to 12 months, including: • Impartial, confidential consultations • A Life Planning Resource Guide with decisions checklist and basics on settling an estate • Legal and financial counseling on dealing with creditors and financial changes • Tips and downloadable forms relating to wills, estates, survivor benefits and budgeting

To access Life Planning Services, call or go online: Online HealthAdvocate.com/members Enter “Colonial Life — Life Planning” in the menu. Telephone 1-800-422-5142

Talk with your Colonial Life benefits counselor to learn more about these valuable services.

* The consultants must abide by federal regulations regarding duty to warn of harm to self or others. In these instances, the consultant may be mandated to report a situation to the appropriate authority. The Employee Assistance Program and Life Planning Services provided by Health Advocate are available with Colonial Life & Accident Insurance Company’s group term life offering. Medical Bill Saver is a registered service mark of Health Advocate, Inc. Terms and availability of service are subject to change. The service provider does not provide legal advice; please consult your attorney for guidance. State-mandated limitations for legal services in WA apply. Services are not valid after coverage terminates. Please contact the company for full details. Insurance products are 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

4-24 | 101868-2

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 Our Cancer Assist plan helps employees protect themselves and their loved ones through their diagnosis, treatment and recovery journey. This individual voluntary policy pays benefits that can be used for both medical and/or out-of-pocket, non-medical expenses traditional health insurance may not cover. Available exclusively at the workplace, Cancer Assist is an attractive addition to any competitive benefits package that won’t add costs to a company’s bottom line.

Competitive advantages n Composite rates. n Four distinct plan levels, each featuring the same benefits with premiums and benefit

amounts designed to meet a variety of budgets and coverage needs (benefits overview on reverse).

n Indemnity-based benefits pay exactly what’s listed for the selected plan level. n The plan’s Family Care Benefit provides a daily benefit when a covered dependent child

receives inpatient or outpatient cancer treatment.

n Employer-optional cancer wellness/health screening benefits available: n

Part One covers 24 tests. If selected, the employer chooses one of four benefit amounts for employees: $25, $50, $75 or $100. This benefit is payable once per covered person per calendar year. Part Two covers an invasive diagnostic test or surgical procedure if an abnormal result from a Part One test requires additional testing. This benefit is payable once per calendar year per covered person and matches the Part One benefit.

Flexible family coverage options n Individual, Individual/Spouse, One-parent and Two-parent family policies. n Family coverage includes eligible dependent children (to age 26) for the same rate,

regardless of the number of children covered.

Attractive features n Available for businesses with 3+ eligible employees. n Broad range of policy issue ages, 17-75. n Each plan level features full schedule of 30+ benefits and three optional riders

(benefit amounts may vary based on plan level selected).

n Benefits don’t coordinate with any other coverage from any other insurer. n HSA compliant. n Guaranteed renewable. n Portable. n Waiver of premium if named insured is disabled due to cancer for longer than 90

consecutive days and the date of diagnosis is after the waiting period and while the policy is in force.

n Form 1099s may not be issued in most states because all benefits require that a

charge is incurred. Discuss details with your benefits representative, or consult your tax adviser if you have questions.

Talk to your benefits representative today to learn more about this product and how it helps provide extra financial protection to employees who may be impacted by cancer.

Optional riders (available at an additional cost/payable once per covered person) n Initial Diagnosis of Cancer Rider pays a one-time benefit for the initial diagnosis of cancer.

A benefit amount in $1,000 increments from $1,000-$10,000 may be chosen. The benefit for covered dependent children is two and a half times ($2,500-25,000) the chosen benefit amount.

n Initial Diagnosis of Cancer Progressive Payment Rider pays a $50 lump-sum payment

for each month the rider has been in force, after the waiting period, once cancer is first diagnosed. The issue ages for this rider are 17-64.

n Specified Disease Hospital Confinement Rider pays $300 per day for confinement to a

hospital for treatment of one of 34 specified diseases covered under the rider. 54

INDIVIDUAL CANCER INSURANCE

Cancer Assist Benefits Overview

Radiation/Chemotherapy

n Injected chemotherapy by medical personnel: $250-$1,000 once per calendar week n Radiation delivered by medical personnel: $250-$1,000 once per calendar week n Self-injected chemotherapy: $150-$400 once per calendar month n Topical chemotherapy: $150-$400 once per calendar month

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

n Chemotherapy by pump: $150-$400 once per calendar month n Oral hormonal chemotherapy (1-24 months): $150-$400 once per calendar month n Oral hormonal chemotherapy (25+ months): $75-$200 once per calendar month n Oral non-hormonal chemotherapy: $150-$400 once per calendar month

Anti-nausea Medication

$25-$60 per day, up to $100-$240 per calendar month

Medical Imaging Studies

$75-$225 per study, up to $150-$450 per calendar year

Outpatient Surgical Center

$100-$400 per day, up to $300-$1,200 per calendar year

Skin Cancer Initial Diagnosis

$300-$600 payable once per lifetime

Surgical Procedures

Inpatient and Outpatient Surgeries: $40-$70 per surgical unit, up to $2,500-$6,000 per procedure

Reconstructive Surgery

$40-$60 per surgical unit, up to $2,500-$3,000 per procedure including 25% for general anesthesia

Anesthesia

General: 25% of Surgical Procedures Benefit Local: $25-$50 per procedure

Hospital Confinement Each benefit requires that charges are incurred for treatment. All benefits and riders are subject to a 30-day waiting period. Waiting period means the first 30 days following the policy’s coverage effective date during which no benefits are payable. States without a waiting period will have a pre-existing condition limitation. Product has exclusions and limitations that may affect benefits payable. Benefits vary by state and may not be available in all states. See your Colonial Life benefits representative for complete details.

30 days or less: $100-$350 per day 31 days or more: $200-$700 per day

Family Care

Inpatient and outpatient treatment for a covered dependent child: $30-$60 per day, up to $1,500-$3,000 per calendar year

Second Medical Opinion on Surgery or Treatment $150-$300 once per lifetime

Home Health Care Services

Examples include physical therapy, speech therapy, occupational therapy, prosthesis and orthopedic appliances, durable medical equipment: $50-$150 per day, up to the greater of 30 days per calendar year or twice the number of days hospitalized per calendar year

Hospice Care

Initial: $1,000 once per lifetime Daily: $50 per day $15,000 maximum for initial and daily hospice care per lifetime

Transportation and Lodging

n Transportation for treatment more than 50 miles from covered person’s home:

$0.50 per mile, up to $1,000-$1,500 per round trip

n Companion Transportation (for any companion, not just a family member) for commercial

travel when treatment is more than 50 miles from covered person’s home: $0.50 per mile, up to $1,000-$1,500 per round trip n Lodging for the covered person or any one adult companion or family member when treatment is more than 50 miles from the covered person’s home: $50-$80 per day, up to 70 days per calendar year

ColonialLife.com © 2014 Colonial Life & Accident Insurance Company Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. 1-14 | 101478

Benefits also included in each plan

Air Ambulance, Ambulance, Blood/Plasma/Platelets/Immunoglobulins, Bone Marrow or Peripheral Stem Cell Donation, Bone Marrow Donor Screening, Bone Marrow or Peripheral Stem Cell Transplant, Cancer Vaccine, Egg(s) Extraction or Harvesting/Sperm Collection and Storage (Cryopreservation), Experimental Treatment, Hair/External Breast/Voice Box Prosthesis, Private Full-time Nursing Services, Prosthetic Device/Artificial Limb, Skilled Nursing Facility, Supportive or Protective Care Drugs and Colony Stimulating Factors 55 INDIVIDUAL CANCER INSURANCE

Cancer Insurance Wellness Benefits

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

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

Cancer Wellness Tests

Health Screening Tests

■ Bone marrow testing

■ Blood test for triglycerides

■ Breast ultrasound

■ Carotid Doppler

■ CA 15-3 [blood test for breast cancer]

■ Echocardiogram [ECHO]

■ CA 125 [blood test for ovarian cancer]

■ Electrocardiogram [EKG, ECG]

■ CEA [blood test for colon cancer]

■ Fasting blood glucose test

■ Chest X-ray

■ Serum cholesterol test for HDL

and LDL levels

■ Colonoscopy ■ Flexible sigmoidoscopy

■ Stress test on a bicycle or treadmill

■ Hemoccult stool analysis ■ Mammography ■ Pap smear ■ PSA [blood test for prostate cancer] ■ Serum protein electrophoresis

[blood test for myeloma]

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

For more information, talk with your benefits counselor.

Part Two: Cancer Wellness — Additional Invasive Diagnostic Test or Surgical Procedure Provided when a doctor performs a diagnostic test or surgical procedure after the waiting period as the result of an abnormal result from one of the covered cancer wellness tests in Part One. We will pay the benefit regardless of the test results. Payable once per calendar year, per covered person.

Waiting period means the first 30 days following the policy’s coverage effective date during which no benefits are payable. The policy has exclusions and limitations. For cost and complete details of the coverage, see your Colonial Life benefits counselor. Coverage may vary by state and may not be available in all states. Applicable to policy form CanAssist (and state abbreviations where applicable – for example: CanAssist-TX).

CANCER ASSIST WELLNESS – 101486

Level 1 Level 2 Level 3 Level 4 2 2 2 2 2 2 2 2 RI 6XUJLFDO 3URFHGXUHV %HQHILW $100 $160 $200 $240 $10,000 $10,000 $10,000 $10,000 2 2 2 2 $1,000 $1,000 $1,200 $1,500 $10,000 $12,500 $15,000 $15,000 $1,500 $2,000 $2,500 $3,000 30 days or twice the days confined $15,000 $15,000 $15,000 $15,000 70 70 70 70 $150 $250 $350 $450 $300 $600 $900 $1,200 $2,000 $3,000 $4,000 $6,000

Individual Cancer Insurance Description of Benefits 7KH SROLF\ DQG LWV ULGHUV PD\ KDYH DGGLWLRQDO H[FOXVLRQV DQG OLPLWDWLRQV )RU FRVW DQG FRPSOHWH GHWDLOV RI WKH FRYHUDJH VHH \RXU &RORQLDO /LIH EHQHILWV FRXQVHORU &RYHUDJH PD\ YDU\ E\ VWDWH DQG PD\ QRW EH DYDLODEOH LQ DOO VWDWHV &RYHUDJH LV GHSHQGHQW RQ DQVZHUV WR KHDOWK TXHVWLRQV $SSOLFDEOH WR SROLF\ IRUPV &DQ$VVLVW 1& DQG ULGHU IRUPV 5 &DQ$VVLVW,QG[ 1& 5 &DQ$VVLVW3URJ 1& DQG 5 &DQ$VVLVW6S'LV 1& Cancer Insurance Benefits Level 1 Level 2 Level 3 Level 4 5DGLDWLRQ &KHPRWKHUDS\ ,QMHFWHG FKHPRWKHUDS\ E\ PHGLFDO SHUVRQQHO SHU ZHHN 5DGLDWLRQ GHOLYHUHG E\ PHGLFDO SHUVRQQHO SHU ZHHN 6HOI ,QMHFWHG &KHPRWKHUDS\ SHU PRQWK 3XPS &KHPRWKHUDS\ SHU PRQWK 7RSLFDO &KHPRWKHUDS\ SHU PRQWK 2UDO +RUPRQDO &KHPRWKHUDS\ PRQWKV SHU PRQWK 2UDO +RUPRQDO &KHPRWKHUDS\ PRQWKV SHU PRQWK 2UDO 1RQ +RUPRQDO &KHPRWKHUDS\ SHU PRQWK 5HFRQVWUXFWLYH 6XUJHU\ SHU VXUJLFDO XQLW Maximum per procedure, including 25% for general $2,500 $2,500 $3,000 $3,000 6HFRQG 0HGLFDO 2SLQLRQ SHU OLIHWLPH 6NLOOHG 1XUVLQJ &DUH )DFLOLW\ SHU GD\ XS WR GD\V FRQILQHG 6NLQ &DQFHU ,QLWLDO 'LDJQRVLV SHU OLIHWLPH 6XSSRUWLYH 3URWHFWLYH &DUH 'UXJV &RORQ\ 6WLPXODWLQJ )DFWRUV SHU Maximum per year $400 $800 $1,200 $1,600 6XUJLFDO 3URFHGXUHV SHU VXUJLFDO XQLW Maximum per procedure $2,500 $3,000 $5,000 $6,000 7UDQVSRUWDWLRQ SHU PLOH Maximum per round trip $1,000 $1,000 $1,200 $1,500 :DLYHU RI 3UHPLXP <HV <HV <HV <HV Policy-Wellness Benefits %RQH 0DUURZ 'RQRU 6FUHHQLQJ SHU OLIHWLPH &DQFHU 9DFFLQH SHU OLIHWLPH 2QH DPRXQW SHU DFFRXQW RU 3DUW &DQFHU :HOOQHVV +HDOWK 6FUHHQLQJ SHU \HDU 3DUW &DQFHU :HOOQHVV +HDOWK 6FUHHQLQJ SHU \HDU 6DPH DV 3DUW Additional Riders may be available at an additional cost :$,7,1* 3(5,2' 7KH SROLF\ DQG LWV ULGHUV PD\ KDYH D ZDLWLQJ SHULRG :DLWLQJ SHULRG PHDQV WKH ILUVW GD\V IROORZLQJ WKH SROLF\¶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Ŷ ,I WKH GLDJQRVLV RU WUHDWPHQW RI FDQFHU LV UHFHLYHG RXWVLGH RI WKH WHUULWRULDO OLPLWV RI WKH 8QLWHG 6WDWHV DQG LWV SRVVHVVLRQV RU Ŷ )RU RWKHU FRQGLWLRQV RU GLVHDVHV H[FHSW ORVVHV GXH GLUHFWO\ IURP FDQFHU &RORQLDO /LIH $FFLGHQW ,QVXUDQFH &RPSDQ\ &ROXPELD 6& _ &RORQLDO /LIH LQVXUDQFH SURGXFWV DUH XQGHUZULWWHQ E\ &RORQLDO /LIH $FFLGHQW ,QVXUDQFH &RPSDQ\ IRU ZKLFK &RORQLDO /LIH LV WKH PDUNHWLQJ EUDQG 58

CANCER BENEFIT PREMIUMS LEVEL 1 - Composite Rates Employee

Employee/Spouse

One-Parent Family

Two-Parent Family

Level 1 with $100 Cancer Wellness/Health Screening 10-Pay Premium

$21.72

$34.32

$21.90

$34.50

11-Pay Premium

$19.75

$31.20

$19.91

$31.36

12-Pay Premium

$18.10

$28.60

$18.25

$28.75

One-Parent Family

Two-Parent Family

LEVEL 2 - Composite Rates Employee

Employee/Spouse

Level 2 with $100 Cancer Wellness/Health Screening 10-Pay Premium

$25.98

$40.62

$26.34

$40.98

11-Pay Premium

$23.62

$36.93

$23.95

$37.25

12-Pay Premium

$21.65

$33.85

$21.95

$34.15

One-Parent Family

Two-Parent Family

LEVEL 3 - Composite Rates Employee

Employee/Spouse

Level 3 with $100 Cancer Wellness/Health Screening 10-Pay Premium

$31.98

$53.28

$32.52

$53.82

11-Pay Premium

$29.07

$48.44

$29.56

$48.93

12-Pay Premium

$26.65

$44.40

$27.10

$44.85

One-Parent Family

Two-Parent Family

LEVEL 4 - Composite Rates Employee

Employee/Spouse

Level 4 with $100 Cancer Wellness/Health Screening 10-Pay Premium

$42.72

$71.28

$43.44

$72.00

11-Pay Premium

$38.84

$64.80

$39.49

$65.45

12-Pay Premium

$35.60

$59.40

$36.20

$60.00

One-Parent Family

Two-Parent Family

OPTIONAL RIDERS Employee

Employee/Spouse

Specified Disease Hospital Confinement Rider 10-Pay Premium

$1.50

$2.10

$1.50

$2.10

11-Pay Premium

$1.36

$1.91

$1.36

$1.91

12-Pay Premium

$1.25

$1.75

$1.25

$1.75

Initial Diagnosis of Cancer Rider (per $1,000) 10-Pay Premium

$1.80

$3.00

$1.92

$3.12

11-Pay Premium

$1.64

$2.73

$1.75

$2.84

12-Pay Premium

$1.50

$2.50

$1.60

$2.60

Initial Diagnosis of Cancer Progressive Payment Rider 10-Pay Premium

$9.36

$20.46

$9.36

$20.46

11-Pay Premium

$8.51

$18.60

$8.51

$18.60

12-Pay Premium

$7.80

$17.05

$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 63

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

Group Critical Illness Insurance Exclusions and Limitations STATE-SPECIFIC EXCLUSIONS

STATE-SPECIFIC PRE-EXISTING CONDITION LIMITATIONS

AK: Alcoholism or Drug Addiction Exclusion does not apply CO: Suicide exclusion: whether sane or not replaced with while sane CT: Alcoholism or Drug Addiction Exclusion replaced with Intoxication or Drug Addiction; Felonies or Illegal Occupations Exclusion replaced with Felonies; Intoxicants and Narcotics Exclusion does not apply DE: Alcoholism or Drug Addiction Exclusion does not apply IA: Exclusions and Limitations headers renamed to Exclusions and Limitations for Critical Illness Covered Conditions and Critical Illness Cancer Covered Conditions ID: War or Armed Conflict Exclusion replaced with War; Felonies and Illegal Occupations Exclusion replaced with Felonies; Intoxicants and Narcotics Exclusion does not apply; Domestic Partner added to Spouse IL: Alcoholism or Drug Addiction Exclusion replaced with Alcoholism or Substance Abuse Disorder KS: Alcoholism or Drug Addiction Exclusion does not apply KY: Alcoholism or Drug Addiction Exclusion does not apply; Intoxicants and Narcotics Exclusion replaced with Intoxicants, Narcotics and Hallucinogenics. LA: Alcoholism or Drug Addiction Exclusion does not apply; Domestic Partner added to Spouse MA: Exclusions and Limitations headers renamed to Limitations and Exclusions for critical illness and cancer MI: Intoxicants and Narcotics Exclusion does not apply; Suicide Exclusion does not apply MN: Alcoholism or Drug Addiction Exclusion does not apply; Suicide Exclusion does not apply; Felonies and Illegal Occupations Exclusion replaced with Felonies or Illegal Jobs; Intoxicants and Narcotics Exclusion replaced with Narcotic Addiction MS: Alcoholism or Drug Addiction Exclusion does not apply ND: Alcoholism or Drug Addiction Exclusion does not apply NV: Intoxicants and Narcotics Exclusion does not apply; Domestic Partner added to Spouse PA: Alcoholism or Drug Addiction Exclusion does not apply; Suicide Exclusion: whether sane or not removed SD: Alcoholism or Drug Addiction Exclusion does not apply; Intoxicants and Narcotics Exclusion does not apply TX: Alcoholism or Drug Addiction Exclusion does not apply; Doctor or Physician Relationship added as an additional exclusion UT: Alcoholism or Drug Addiction Exclusion replaced with Alcoholism VT: Alcoholism or Drug Addiction Exclusion does not apply; Intoxicants and Narcotics Exclusion does not apply; Suicide Exclusion: whether sane or not removed

FL: Pre-existing is 6/12; 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 six months before the coverage effective date shown on the Certificate Schedule. Genetic information is not a pre-existing condition in the absence of a diagnosis of the condition related to such information. GA: Pre-existing Condition means the existence of symptoms which would cause an ordinarily prudent person to seek diagnosis, care, or treatment, or a condition for which medical advice or treatment was recommended by or received within 12 months preceding the coverage effective date. ID: Pre-existing is 6 months/12 months; Pre-existing Condition means a sickness or physical condition which caused a covered person to seek medical advice, diagnosis, care or treatment during the six months immediately preceding the coverage effective date shown on the Certificate Schedule. IL: Pre-existing Condition means a sickness or physical condition for which a covered person was diagnosed, treated, had medical testing by a legally qualified physician, received medical advice, produced symptoms or had taken medication within 12 months before the coverage effective date shown on the Schedule of Benefits. IN: Pre-existing is 6 months/12 months MA: Pre-existing is 6 months/12 months; Pre-existing Condition means a sickness or physical condition for which a covered person was treated, had medical testing, or received medical advice within six months before the coverage effective date shown on the Certificate Schedule. ME: Pre-existing is 6 months/6 months; Pre-existing Condition means a sickness or physical condition for which a covered person was treated, had medical testing, or received medical advice within six months before the coverage effective date shown on the Certificate Schedule. MI: Pre-existing is 6 months/6 months NC: Pre-existing Condition means those conditions for which medical advice, diagnosis, care, or treatment was received or recommended within the one-year period immediately preceding the effective date of a covered person. If a covered person is 65 or older when this certificate is issued, pre-existing conditions for that covered person will include only conditions specifically eliminated. NV: Pre-existing is 6 months/12 months; 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 six months before the coverage effective date. Pre-existing Condition does not include genetic information in the absence of a diagnosis of the condition related to such information. PA: Pre-existing is 90 days/12 months; Pre-existing Condition means a disease or physical condition for which you received medical advice or treatment within 90 days before the coverage effective date shown on the Certificate Schedule. SD: Pre-existing is 6 months/12 months TX: Pre-existing condition means a sickness or physical condition for which a covered person received medical advice or treatment within 12 months before the coverage effective date shown on the Certificate Schedule. UT: Pre-existing is 6 months/6 months

This information is not intended to be a complete description of the insurance coverage available. The insurance, its name 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. This form is not complete without base form 385403, 387100, 387169, 402383, 402558 or 387238, and rider form 387307, 387381, 387452, 387523, 387594, 387665, 402605 or 402671. 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 – EXCLUSIONS AND LIMITATIONS | 8-20 | 388113-1

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

25-29

30-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

70-74

10-Pay Premium

$0.26

$0.37

$0.26

$0.37

11-Pay Premium

$0.24

$0.34

$0.24

$0.34

12-Pay Premium

$0.22

$0.31

$0.22

$0.31

10-Pay Premium

$0.36

$0.52

$0.36

$0.52

11-Pay Premium

$0.33

$0.47

$0.33

$0.47

12-Pay Premium

$0.30

$0.43

$0.30

$0.43

10-Pay Premium

$0.46

$0.66

$0.46

$0.66

11-Pay Premium

$0.41

$0.60

$0.41

$0.60

12-Pay Premium

$0.38

$0.55

$0.38

$0.55

10-Pay Premium

$0.68

$1.02

$0.68

$1.02

11-Pay Premium

$0.62

$0.93

$0.62

$0.93

12-Pay Premium

$0.57

$0.85

$0.57

$0.85

10-Pay Premium

$0.92

$1.37

$0.92

$1.37

11-Pay Premium

$0.84

$1.24

$0.84

$1.24

12-Pay Premium

$0.77

$1.14

$0.77

$1.14

10-Pay Premium

$1.30

$1.98

$1.30

$1.98

11-Pay Premium

$1.18

$1.80

$1.18

$1.80

12-Pay Premium

$1.08

$1.65

$1.08

$1.65

10-Pay Premium

$1.73

$2.68

$1.73

$2.68

11-Pay Premium

$1.57

$2.43

$1.57

$2.43

12-Pay Premium

$1.44

$2.23

$1.44

$2.23

10-Pay Premium

$2.28

$3.53

$2.28

$3.53

11-Pay Premium

$2.07

$3.21

$2.07

$3.21

12-Pay Premium

$1.90

$2.94

$1.90

$2.94

10-Pay Premium

$3.12

$4.82

$3.12

$4.82

11-Pay Premium

$2.84

$4.39

$2.84

$4.39

12-Pay Premium

$2.60

$4.02

$2.60

$4.02

10-Pay Premium

$3.41

$5.26

$3.41

$5.26

11-Pay Premium

$3.10

$4.78

$3.10

$4.78

12-Pay Premium

$2.84

$4.38

$2.84

$4.38

10-Pay Premium

$3.92

$6.05

$3.92

$6.05

11-Pay Premium

$3.57

$5.50

$3.57

$5.50

12-Pay Premium

$3.27

$5.04

$3.27

$5.04

One-Parent Family $7.98 $7.25 $6.65

Two Parent Family $12.42 $11.29 $10.35

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

10-Pay Premium 11-Pay Premium 12-Pay Premium

Named Insured $7.98 $7.25 $6.65

Employee & Spouse $12.42 $11.29 $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

$0.68

Non-Tobacco 17-24

25-29

30-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

70-74

10-Pay Premium

$0.48

$0.68

$0.48

11-Pay Premium

$0.44

$0.62

$0.44

$0.62

12-Pay Premium

$0.40

$0.57

$0.40

$0.57

10-Pay Premium

$0.68

$1.00

$0.68

$1.00

11-Pay Premium

$0.62

$0.91

$0.62

$0.91

12-Pay Premium

$0.57

$0.83

$0.57

$0.83

10-Pay Premium

$0.90

$1.31

$0.90

$1.31

11-Pay Premium

$0.82

$1.19

$0.82

$1.19

12-Pay Premium

$0.75

$1.09

$0.75

$1.09

10-Pay Premium

$1.38

$2.04

$1.38

$2.04

11-Pay Premium

$1.25

$1.85

$1.25

$1.85

12-Pay Premium

$1.15

$1.70

$1.15

$1.70

10-Pay Premium

$1.86

$2.76

$1.86

$2.76

11-Pay Premium

$1.69

$2.51

$1.69

$2.51

12-Pay Premium

$1.55

$2.30

$1.55

$2.30

10-Pay Premium

$2.65

$3.98

$2.65

$3.98 $3.62

11-Pay Premium

$2.41

$3.62

$2.41

12-Pay Premium

$2.21

$3.32

$2.21

$3.32

10-Pay Premium

$3.43

$5.21

$3.43

$5.21

11-Pay Premium

$3.12

$4.73

$3.12

$4.73

12-Pay Premium

$2.86

$4.34

$2.86

$4.34

10-Pay Premium

$4.51

$6.85

$4.51

$6.85

11-Pay Premium

$4.10

$6.23

$4.10

$6.23

12-Pay Premium

$3.76

$5.71

$3.76

$5.71

10-Pay Premium

$6.16

$9.35

$6.16

$9.35

11-Pay Premium

$5.60

$8.50

$5.60

$8.50

12-Pay Premium

$5.13

$7.79

$5.13

$7.79

10-Pay Premium

$7.55

$11.48

$7.55

$11.48

11-Pay Premium

$6.86

$10.44

$6.86

$10.44

12-Pay Premium

$6.29

$9.57

$6.29

$9.57

10-Pay Premium

$7.55

$11.48

$7.55

$11.48

11-Pay Premium

$6.86

$10.44

$6.86

$10.44

12-Pay Premium

$6.29

$9.57

$6.29

$9.57

One-Parent Family $7.98 $7.25 $6.65

Two Parent Family $12.42 $11.29 $10.35

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

10-Pay Premium 11-Pay Premium 12-Pay Premium

Named Insured $7.98 $7.25 $6.65

Employee & Spouse $12.42 $11.29 $10.35

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

To be eligible for Short-Term Disability benefits you must have at least one year of contributing membership service in the Retirement System earned within the 36 calendar months preceding your disability. To be eligible for Long-Term Disability benefits you must have at least five years of contributing membership service in the Retirement System earned within the 96 calendar months prior to becoming disabled or upon cessation of continuous salary continuation payments, whichever is later.

THE STATE OF NORTH CAROLINA

PROVIDES A DISABILITY INCOME PLAN FOR ITS PERMANENT, FULL-TIME TEACHERS AND STATE EMPLOYEES – AT NO COST TO THE INDIVIDUAL. The State Plan is designed to provide for the continuation of a portion of your salary should you suffer the misfortune of an accident or sickness which disables you for longer than 60 days. HERE’S HOW IT WORKS… 1.

WHEN YOU ARE DISABLED: Percentage of Your Total Monthly Salary the State Pays You* Maximum Total Benefit Reduced By Not Reduced By

First 12 Months of Disability

Thereafter**

50%

65%

$3,000

$3,900

Workers’ Compensation

Workers’ Compensation Social Security

Social Security

----------------------

* 1/12 of your total pay during the 12 months prior to your disability. ** you must have at least five years of contributing membership service in the Retirement System earned within the 96 calendar months prior to the end of the short-term disability period. 2.

Benefits under the State Plan are payable, for “Disability,” which means that you are mentally or physically incapable of performing the duties of your usual occupation.

You become a member of the plan when you become a full-time, permanent employee of the State, and you are eligible to receive benefits from the Plan if you become disabled after you have completed one year’s service. Your coverage under the Plan ends when your employment with the State terminates.

Benefits of the Plan are payable beginning 60 DAYS AFTER THE DATE OF YOUR DISABILITY (60day waiting period).

The Plan coordinates with other benefits related to your employment, so that after the amounts you are eligible to receive from Social Security (for the first six months only), Workers’ Compensation, or State retirement plans, etc., the State pays you enough, in addition, to total a) 50% the first twelve months and b) 65% thereafter of your total salary, as explained in the chart above. HOWEVER, ANY BENEFIT FROM A PLAN FOR WHICH YOU PAY THE ENTIRE COST YOURSELF DOES NOT AFFECT THE STATE PLAN IN ANY WAY. BENEFITS ARE SUBJECT TO NC STATE LAW

This information provided by Colonial Life Columbia, South Carolina 29202 www.coloniallife.com

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

SHORT-TERM DISABILITY BENEFITS

Educator Disability Advantage Short-Term Disability Educator Disability Advantage insurance1 from Colonial Life is designed to provide financial protection for all education workers with plans that can help supplement and/or complement the Disability Income Plan of North Carolina. Educator Disability Advantage insurance provides flexible options for disability coverage and accidental injury benefits to help protect your income and maintain lifestyle needs if you become disabled due to a covered accident or sickness.

My Disability Coverage Worksheet (For use with your Colonial Life benefits counselor)

Employee Coverage (includes both on- and off-job benefits) How much coverage do I need? • Total Disability On-Job Accident/Sickness First three months $_____________/month Next nine months $_____________/month

Off-Job Accident/Sickness $_____________/month $_____________/month

• Partial Disability Up to three months $____________/month

$_____________/month

When will my benefits start? After an accident: ___________ days

After a sickness: ___________ days

What additional features or benefits are included?

How long could you afford to go without a paycheck? Monthly Expenses: Mortgage/rent

$_____________

Groceries

$_____________

Car

$_____________

Medical bills

$_____________

Utilities

$_____________

Other

$_____________

TOTAL

$_____________

• Normal pregnancy is covered the same as any other covered sickness. • Waiver of Premium: We will waive your premium payments after 90 consecutive days of a covered disability. • Goodwill Child Benefit: $1,000, up to two benefits per year for adoption or ward of a guardian • Mental or Nervous Disorders Benefit How much will it cost? Your cost will vary based on the level of coverage you select. 74

EDUCATOR DISABILITY ADVANTAGE (EDA1100) – MENTAL & NERVOUS

Additional Employee Coverage In addition to disability coverage, this plan also provides employees with benefits related to accidental injuries, their treatment and more. Even if you’re not disabled, the following benefits are payable for covered accidental injuries or sickness: ACCIDENTAL INJURIES BENEFITS • Accident emergency treatment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $400 • X-ray . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $150 • Accident follow-up treatment (including transportation)/Telemedicine . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$75 (up to six benefits per accident per person, up to twelve a year per person)

Disability benefits and more Anita teaches at a local community college and enjoys spending time on active hobbies and volunteering with nonprofits. When she was injured in a mountain biking accident, she worried that she might not be able to make ends meet for a while. How Anita’s coverage helped* With her coverage, she received benefits for: • Accident emergency treatment . . . . . . . . .$400 • X-ray . . . . . . . . . . . . . . $150 • Collarbone fracture requiring surgery . . $1,200 • Elbow dislocation (nonsurgical) . . . . . . .$400 • Hospital stay of three nights . . . . . $150

HOSPITAL CONFINEMENT BENEFIT FOR ACCIDENT OR SICKNESS Pays in addition to disability benefit. Benefits begin on the first day of confinement in a hospital. Up to three months . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500/month ($50/day) The Hospital Confinement benefit increases to $7,500/month when the Total Disability benefit ends at age 70. ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS • Accidental death . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$25,000 • Loss of a finger or toe Single dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$750 Double dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500 • Loss of a hand, foot or sight of an eye Single dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$5,000 Dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10,000 • Common carrier death (includes school bus for school activities) . . . . . . . . .$50,000 COMPLETE FRACTURES

Nonsurgical

Surgical

• Hip, thigh . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500 . . . . . . . . . .$3,000 • Vertebrae . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,350 . . . . . . . . . . $2,700 • Pelvis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,200 . . . . . . . . . .$2,400 • Skull (depressed) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500 . . . . . . . . . .$3,000 • Leg . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $900 . . . . . . . . . . $1,800 • Foot, ankle, kneecap . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$750 . . . . . . . . . . $1,500 • Forearm, hand, wrist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$750 . . . . . . . . . . $1,500 • Lower jaw . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $600 . . . . . . . . . . $1,200 • Shoulder blade, collarbone . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $600 . . . . . . . . . . $1,200

• Short-term disability benefits . . . . . . . . . . $1,400

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

Total amount: . . . . . $3,700

• Facial bones . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $450 . . . . . . . . . . . $900

*For illustrative purposes only. Coverage amounts may vary based on injury, treatment, income and more.

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

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

COMPLETE DISLOCATIONS

Nonsurgical

Surgical

• Hip . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500 . . . . . . . . . .$3,000 • Knee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$975 . . . . . . . . . . $1,950 • Shoulder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$750 . . . . . . . . . . $1,500 • Collarbone (sternoclavicular) . . . . . . . . . . . . . . . . . . . . . . . . . . . .$750 . . . . . . . . . . $1,500 • Ankle, foot . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$750 . . . . . . . . . . $1,500 • Collarbone (acromioclavicular and separation) . . . . . . . . . . . .$675 . . . . . . . . . . $1,350 • Hand . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$525 . . . . . . . . . . $1,050 • Lower jaw . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $450 . . . . . . . . . . . $900 • Wrist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $400 . . . . . . . . . . . $800 • Elbow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $400 . . . . . . . . . . . $800 • One finger, toe . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $125 . . . . . . . . . . . $250 • For a chip fracture, your benefit would be 25% of the amount shown. Chip fractures are those in which a fragment of bone is broken off near a joint at a point where a ligament is attached. • For multiple fractures or dislocations, we will pay for both, up to two times the highest amount. • For your first dislocation, you would receive the amount shown; however, recurrent dislocations of the same joint are not covered.

Optional Spouse and Dependent Child(ren) Coverage You may cover one or all of the eligible dependent members of your family for an additional premium. Eligible dependents include your spouse and ALL dependent children who are younger than age 26. ACCIDENTAL INJURIES BENEFITS • Accident emergency treatment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $400 • X-ray . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $150 • Accident follow-up treatment (including transportation)/Telemedicine . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$75 (up to six benefits per accident per person, up to twelve a year per person) HOSPITAL CONFINEMENT BENEFIT FOR ACCIDENT OR SICKNESS Up to three months . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500/month ($50/day) ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS • Accidental death . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$5,000 • Loss of a finger or toe Single dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$75 Double dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $150 • Loss of a hand, foot or sight of an eye Single dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $500 Double dismemberment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,000 • Common carrier death (includes school bus for school activities) . . . . . . . . . $10,000

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

Frequently Asked Questions When do disability benefits end?

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

The Total Disability Benefit will end on the policy anniversary date on or next following your 70th birthday, or when you are no longer considered disabled as defined in the policy, whichever comes first.

Benefits are payable regardless of workers’ compensation or any other insurance you may have with other insurance companies. Benefits are payable directly to you (unless you specify otherwise). When am I considered totally disabled?

The Hospital Confinement benefit increases when the Total Disability Benefit ends.

Totally disabled means you are:

Can I keep my coverage if I change jobs?

• Unable to perform the material and substantial duties of your occupation;

If you change jobs or retire, you can take your coverage with you at no additional cost. Your coverage is guaranteed renewable for life as long as you pay your premiums when they are due or within the grace period.

• Not, in fact, working at any occupation; and • Under the regular and appropriate care of a doctor.

How do I file a claim?

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

Visit ColonialLife.com or call our Policyholder Service Center at 1-800-325-4368 for additional information.

You may be able to return to work part time and still receive benefits. We call this “Partial Disability.” This means you may be eligible for coverage if:

What is a pre-existing condition? A pre-existing condition means a sickness or physical condition for which any covered person was treated, received medical advice, or had taken medication within twelve months before the effective date of the policy. If you are age 65 or older when the policy is issued, pre-existing conditions include only conditions specifically excluded from coverage by the rider.

• You are unable to perform the material and substantial duties of your job for more than half of your normally weekly scheduled hours; • You are able to work at your job or your place of employment for less than half of your normally weekly scheduled hours; • Your employer will allow you to return to your job or place of employment for less than half of your normally weekly scheduled hours; and

If you become disabled due to a pre-existing condition, we will not pay for any disability period if it begins during the first twelve months the policy is in force.

• You are under the regular and appropriate care of a doctor.

What is the Mental or Nervous Disorder benefit? This benefit provides coverage for a disability due to a mental or nervous condition. Coverage provides a benefit up to three months per occurrence, with a cumulative lifetime maximum benefit of 24 months.

The total disability benefit must have been paid for at least fourteen days immediately prior to your being partially disabled.

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

1. Educator Disability Advantage is the marketing name of the insurance product filed as “Disability Income Insurance Policy.” 2. U.S. Social Security Administration, The Faces and Facts of Disability. https://www.ssa.gov/disabilityfacts/facts.html. Accessed April 2021. EXCLUSIONS AND LIMITATIONS We will not pay benefits for losses that are caused by or are the result of: Cosmetic Surgery, Felonies and Illegal Occupations, Flying, Hazardous Avocations, Intoxicants and Narcotics, Racing, Semiprofessional or Professional Sports, Substance Abuse, Suicide or Self-Inflicted Injuries, and 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 NCK1100. For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC. ColonialLife.com

© 2022 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 8-22 | 1006400-1

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SHORT-TERM DISABILITY PREMIUMS On/Off-Job Accident and On/Off-Job Sickness with Mental or Nervous Benefit Monthly Benefit Amount First 3 Months

Next 9 Months

Units

$400.00

$200.00

$600.00

$300.00

$800.00

$400.00

$1,000.00

$500.00

$1,500.00

$750.00

$2,000.00

$1,000.00

$2,500.00

$1,250.00

$3,000.00

$1,500.00

$3,500.00

$1,750.00

$3,900.00

$1,950.00

10-Pay Premium 11-Pay Premium 12-Pay Premium 10-Pay Premium 11-Pay Premium 12-Pay Premium 10-Pay Premium 11-Pay Premium 12-Pay Premium 10-Pay Premium 11-Pay Premium 12-Pay Premium 10-Pay Premium 11-Pay Premium 12-Pay Premium 10-Pay Premium 11-Pay Premium 12-Pay Premium 10-Pay Premium 11-Pay Premium 12-Pay Premium 10-Pay Premium 11-Pay Premium 12-Pay Premium 10-Pay Premium 11-Pay Premium 12-Pay Premium 10-Pay Premium 11-Pay Premium 12-Pay Premium

Monthly Disability Benefit To Provide 60% Monthly Disability Benefit $400.00 $600.00 $800.00 $1,000.00 $1,200.00 $1,500.00 $2,000.00 $2,500.00 $3,000.00 $3,500.00 $4,000.00 $4,500.00 $5,000.00

Elimination Period

Pay Premium

$8,000 - $9,999.99 $12,000 - $13,999.99 $16,000 - $17,999.99 $20,000 - $21,999.99 $24,000 - $25,999.99 $30,000 - $31,999.99 $40,000 - $41,999.99 $50,000 - $51,999.99 $60,000 - $61,999.99 $78,000 - $82,799.99 $102,000 - $106,799.99 $126,000 - $130,799.99 $150,000 and above

0/7

0/14

14/14

$27.24 $24.76 $22.70 $34.92 $31.75 $29.10 $42.60 $38.73 $35.50 $50.28 $45.71 $41.90 $69.48 $63.16 $57.90 $88.68 $80.62 $73.90 $107.88 $98.07 $89.90 $127.08 $115.53 $105.90 $146.28 $132.98 $121.90 $161.64 $146.95 $134.70

$23.40 $21.27 $19.50 $29.16 $26.51 $24.30 $34.92 $31.75 $29.10 $40.68 $36.98 $33.90 $55.08 $50.07 $45.90 $69.48 $63.16 $57.90 $83.88 $76.25 $69.90 $98.28 $89.35 $81.90 $112.68 $102.44 $93.90 $124.20 $112.91 $103.50

$22.44 $20.40 $18.70 $27.72 $25.20 $23.10 $33.00 $30.00 $27.50 $38.28 $34.80 $31.90 $51.48 $46.80 $42.90 $64.68 $58.80 $53.90 $77.88 $70.80 $64.90 $91.08 $82.80 $75.90 $104.28 $94.80 $86.90 $114.84 $104.40 $95.70

Percent of Income Coverage 60% 60% 60% 60% 60% 60% 60% 60% 60% 53.85% 47.06% 42.86% 40%

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

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

LONG-TERM DISABILITY BENEFITS

Voluntary Long-Term Disability Insurance Benefit Highlights For All Eligible Employees of Wake County Public School System

Effective date: January 1, 2023 Long-Term Disability insurance provides you with a monthly cash benefit to help pay for everyday expenses (such as mortgage/rent, utilities, childcare, or groceries) if a covered disability like a back injury or chronic illness takes you away f rom work for an extended time. Benefits Monthly benefit (after your claim is approved)

Get a monthly check of $500 to $2,500 in any $100 increment you choose that replaces up to 60% of your Total Monthly Earnings.

Guaranteed Issue Amount

$2,500

When benefits begin

Benefits begin as soon as 90 days

Benefits may be paid for

Up to 5 years graded, or until you reach retirement age. See Q&A section for schedule of benefits.

NOTE: This is an increment plan. There are no offsets f or sick leave, salary continuation, NC Teachers Retirement Disability Income Plan (TSERS), the Public Employees’ Retirement System (PERS), the State Teachers’ Retirement System (STRS), or for Social Security Disability Benefits, but income from other sources could reduce your benefit amount.

Additional plan features • You’re covered for injury or sickness 24 hours a day, seven days a week, on or off the job. • Qualif y for additional benefits if your covered disability begins with a hospital stay of 14 days or more. • A vocational rehabilitation counselor will work with you, when appropriate, to create a return-to-work plan that’s

right f or you

Employee coverage and monthly cost for Long-Term Disability The chart below shows possible coverage amounts and corresponding costs per monthly pay period. Locate the annual earnings closest to your salary, without exceeding it. The corresponding coverage amount represents the maximum coverage you could select. Annual earnings

Monthly coverage amounts

Monthly costs

$10,000

$500

$5.75

$20,000

$1,000

$11.50

$30,000

$1,500

$17.25

$40,000

$2,000

$23.00

$50,000

$2,500

$28.75

What happens if I become disabled? Contact your employer to report your disability and to check whether you are insured under the policy and eligible to f ile a claim for long-term disability insurance benefits. You will have to wait a certain number of days (see “when benef its begin”), for your benefits to kick in after you are no longer able to work due to a covered disability.

How do I qualify for benefits? You’ll start receiving disability payments if you satisfy the Elimination Period (see “When benefits begin” in the table) and meet the definition of disability.

What if I have a pre-existing condition? If you submit a claim within 12 months of your insurance taking effect, or 12 months following any increase in your amount of insurance, we will not pay any benefit for any pre-existing condition. A pre-existing condition includes anything you have sought treatment for in the 3 months prior to your insurance becoming effective. Treatment can include consultation, advice, care, services or a prescription for drugs or medicine.

How do I file a claim? To f ile your claim, we need to receive information from you about your doctor, your income and your critical condition. We’ll ask f or you to authorize the release and disclosure of information, like medical records, to help us evaluate your claim. Your doctor will also need to fill out a form that provides us with specific medical information about your condition and expected recovery. Forms may be downloaded from www.sunlife.com/us. Make sure to complete and sign all forms, as missing information or signatures can delay your claim.

Whom can I contact with questions about my coverage? Af ter the effective date of your coverage, contact our Customer Service representatives at 800-247-6875, 8:00 a.m. to 8:00 p.m. ET, Monday through Friday.

Regarding how long benefits are paid: what does “up to 5 years graded” mean?

Depending on what age you are when you become disabled, that will determine how long your benefit is paid to you. Age at Disablement

Benefit Duration Limit

Less than 61

60 months

48 months

42 months

36 months

30 months

24 months

21 months

18 months

15 months

69 and older

12 months

Important Plan Provisions Limitations and exclusions* We will not pay a benefit that is caused by, contributed to in any way or resulting from: intentionally self-inflicted injuries; committing or attempting to commit an assault, felony or other criminal act; war or an act of war; active participation in a riot, rebellion or insurrection; operation of a motorized vehicle while intoxicated. We will not pay a benef it if you do not submit proof of your loss as required by us (this covers medical examination, continuing care, death certificate, medical records, etc.); or for any Period of disability during which you are incarcerated. 10% of all eligible employees must be enrolled in the plan for this group policy to be issued.

* The above exclusions and limitations may vary by state law and regulations. Please see the certificate or ask your benefits administrator for information on Elimination Periods, Waiting Periods, and Pre-Existing Conditions limitations, where applicable.

Safeguard your finances so you can focus on your health during a long-term disability.

The Effective Date of any initial, increased or additional insurance will be delayed for an Employee if he or she is not Actively at Work. The initial, increased or additional insurance will become effective on the date the Employee returns to an Actively at Work status. An Employee is considered Actively at Work if he or she performs all the regular duties of his or her job for a full work day scheduled by the Employer at the Employer’s normal place of business or a site where the Employer’s business requires the Employee to travel. This coverage does not constitute comprehensive health insurance (often referred to as “major medical coverage”) and does not satisfy the requirement for Minimum Essential Coverage under the Affordable Care Act. If your disability coverage is paid with pre-tax dollars, the benefit payments will be fully or partially taxable under federal tax law based on the percentage of the premiums paid with pre-tax dollars. State tax laws for disability benefit payments vary and other tax considerations apply. Please consult your legal or tax advisor for more information. Sun Life does not provide tax advice. This Overview is preliminary to the issuance of the Policy. Refer to your Certificate for details. Receipt of this Overview does not constitute approval of coverage under the Policy. In the event of a discrepancy between this Overview, the Certificate and the Policy, the terms of the Policy will govern. Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 93P-LH, 15-GP-01, 12-DI-C-01, 12-GPPort-P-01, 12-STDPort-C-01, 16-DI-C-01, TDBPOLICY-2006, and TDI-POLICY. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 15-GP01, 13-GP-LH-01, 13-LTD-C-01, 13-STD-C-01, 06P-NY-DBL, 12-GPPort-01, and 12-STDPort-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations. © 2018 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us. GVLTDBH-EE-7689

SLPC 29107 8/21 (exp 8/23)

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)

$30 $375

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)

$30

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

Accident follow-up treatment (3 visits)

$165

Total

$755

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 — ground or water • Accident emergency treatment • Injury due to auto accident

$200 $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)

$30 $200 $4,400

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)

$1,000 $300 $750

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

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

$280 $100

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

Accident follow-up treatment (6 visits)

$330

Total

$7,965

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

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

Initial care

Dislocation — separated joint • Non-surgical — repair . . . . . . . . . . . . . . . . . . . . . . . $100–$2,250 Examples: elbow: $500 | ankle: $1,000 | hip: $2,250

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 ambulance2. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$2,000 Ambulance — ground or water2 . . . . . . . . . . . . . . . . . . . . . . . . $200

• Surgical — repair . . . . . . . . . . . . . . . . . . . . . . . . . . . .$200–$4,500 Examples: elbow: $1,000 | ankle: $2,000 | hip: $4,500

Observation room . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $150 per day (up to two days per calendar year)

Emergency dental work . . . . . . . . . . . . . . . . . . . . . . . . . . $100–$300 Dental extraction or dental crown, denture or implant

X-ray. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $30

Common accidental injuries

Eye injury — with surgical repair or removal of a foreign object . . . . . . . . . . . . . . . . . . . . . . . . . . . . $200

Burn . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$1,000–$12,000 (based on size and degree)

Fracture — complete

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

• Non-surgical — repair . . . . . . . . . . . . . . . . . . . . . . . $250–$3,000 Examples: hand/foot: $375 | collarbone: $625 | leg: $1,000

Coma . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $12,500 (lasting for seven or more consecutive days)

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

Concussion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$150

• Surgical — repair . . . . . . . . . . . . . . . . . . . . . . . . . . . . $450–$5,000 Examples: hand/foot: $750 | collarbone: $1,250 | leg: $2,000

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. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $30 Arm sling, cane, medical ring cushion, neck brace or wrist/ankle splint • Tier 2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$100 Bedside commode, cold therapy system (cryotherapy), crutches, leg brace, shower chair, walker or walking boot • Tier 3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $200 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. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $200 (one per calendar year) Pain management for epidural anesthesia — non-surgical . .$100 Post-traumatic stress disorder (PTSD) . . . . . . . . . . . . . . . . . $200 Prosthetic device/artificial limb Hearing-loss injuries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$120

• One . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $750

Knee cartilage — torn — with surgical repair . . . . . . . . . . . . . $650

• More than one . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500

Laceration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $30–$600 (based on repair and length)

• Repair/replacement4 . . . . . . . . . . . . . . . . . . . . . . . . . . $375/$750

Rehabilitation unit confinement . . . . . . . . . . . . . . . . $150 per day (up to 15 days, not to exceed 30 days per calendar year)

Ruptured disc — with surgical repair . . . . . . . . . . . . . . . . . . . $750 Tendon/ligament/rotator cuff — with surgical repair

Therapy — occupational, physical or speech . . . . . . $35 per day (up to 10 days)

• One . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $650 • Two or more . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,300

Accidental dismemberment

Hospital care

Accidental dismemberment . . . . . . . . . . . . . . . . . . $4505–$20,000 • 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 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,000 Hospital confinement . . . . . . . . . . . . . . . . . . . . . . . . . $250 per day (up to 365 days)

Accidental dismemberment due to a catastrophic accident

Hospital sub-acute intensive care unit confinement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $325 per day (up to 30 days)

• Named insured, spouse or child . . . . . . . . . . . . . . . . . .$25,0006 • Total and irrecoverable loss, loss of use or paralysis – 180-day elimination period • Loss of both hands, arms, feet, legs or the sight of both eyes; or any combination; or • Loss of hearing in both ears, or loss of ability to speak

Intensive care unit admission . . . . . . . . . . . . . . . . . . . . . . . .$2,000 Intensive care unit confinement . . . . . . . . . . . . . . . . $450 per day (up to 15 days)

Surgical care

Accidental death

Blood/plasma/platelets — transfusion . . . . . . . . . . . . . . . . . $300

Accidental death

Surgery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $200–$1,500 (based on type of repair and surgery)

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

Transportation and lodging

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

Transportation for hospital confinement . . $600 per round trip (up to three round trips, 50+ miles from home)

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

Lodging–companion . . . . . . . . . . . . . . . . . . . . . . . . . . $125 per day (up to 30 days)

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

For more information, contact your Colonial Life benefits counselor.

professional sports, sickness, suicide or injuries which any covered person intentionally does to himself, war or armed conflict. In addition, we will not pay Accidental Dismemberment Due to Catastrophic Accident benefits for injuries a child sustains during birth, or for injuries that are the result of intoxication or use of narcotics.

1 Requires transportation by a licensed professional air ambulance or ambulance (ground or water). 2 In Nevada, air ambulance or ambulance: We will pay this benefit directly to the provider unless the air ambulance or ambulance bill shows that all charges have been paid in full.

STATE VARIATIONS FOR EXCLUSIONS AND LIMITATIONS

3 One benefit for each injured ear per covered person per lifetime.

IL: Also includes “aviation.” Not applicable to “hazardous avocations, racing, semi-professional or professional sports.”

4 One repair or replacement per prosthetic device/artificial limb per covered person per lifetime.

MT: Not applicable to “suicide or injuries which you intentionally do to yourself” and “injuries a child sustains during birth.”

5 In Maine, the minimum benefit for full dismemberment of finger or toe is $1,000.

NV: Not applicable to “intoxicants and narcotics.”

6 Payable once per lifetime per covered person.

OK: Not applicable to “hazardous avocations, racing and semiprofessional or professional sports.” For Accidental Dismemberment Due to Catastrophic Accidents, replace “injuries a child sustains during birth, or for injuries that are the result of intoxication” with “alcoholism or drug addiction, or narcotics.”

UT: Also includes “aviation.” Not applicable to “hazardous avocations, racing, semi-professional or professional sports.”

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, hazardous avocations, racing, semi-professional or

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

8-24 | 101776-6

Accident Insurance Active Lifestyles Benefit

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

Example of a benefits calculation

Eligible benefits1

$2,500

Eligible beneﬁts

$2,500

Eligible beneﬁt amount

x 20%

Active lifestyles beneﬁt

$500

Active lifestyles beneﬁt calculation

$2,500

Eligible beneﬁt amount

+ $500

Active lifestyles beneﬁt

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

$3,000

‐ exploratory and arthroscopic

Total

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

For illustrative purposes only

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

IAC4000 – ACTIVE LIFESTYLES BENEFIT

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

FOR EMPLOYEES

3-24 | 101778-3

Accident Insurance Sickness Hospital Confinement Rider

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

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

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

IAC4000 – SICKNESS HOSPITAL CONFINEMENT RIDER

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

ColonialLife.com

© 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 Wellbeing Assistance Standard Benefit

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

• Hemoccult stool analysis

• Bone marrow testing

• Mammography

• Breast ultrasound

• Pap smear2

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

• PSA (blood test for prostate cancer)

• CA 125 (blood test for ovarian cancer)

• Serum cholesterol test for HDL and LDL levels

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

• Serum protein electrophoresis (blood test for myeloma)

• Chest X-ray

• Skin cancer biopsy

• Colonoscopy

• Stress test on a bicycle or treadmill

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

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

• Thermography • ThinPrep pap test2 • Virtual colonoscopy

IAC4000 – WELLBEING ASSISTANCE STANDARD BENEFIT

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

FOR EMPLOYEES

6-24 | 101781-5

ACCIDENT BENEFIT PREMIUMS Preferred with Active Lifestyles - On/Off-Job Accident Coverage and Standard $100 Wellbeing Assistance 10-Pay Premium

11-Pay Premium

12-Pay Premium

Named Insured

$32.53

$29.57

$27.11

Employee & Spouse

$49.81

$45.28

$41.51

Spouse Only

$32.53

$29.57

$27.11

Dependent Only

$32.53

$29.57

$27.11

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

2027 STATE HEALTH PLAN COMPARISON ACTIVE and NON-MEDICARE Subscribers STANDARD PPO Plan Non Preferred

Out of Network

Preferred

Access

$5,000 Ind $15,000 Ind $15,000 Fam $45,000 Fam

$1,000 Ind $3,000 Fam

$1,500 Ind $4,500 Fam

$12,000 Ind $4,000 Ind $6,500 Ind ACA LIMIT $36,000 Ind $12,000 Fam $16,300 Fam $24,000 Fam $72,000 Fam

$3,000 Ind $9,000 Fam

$5,000 Ind $10,000 Ind $30,000 Ind $15,000 Fam $20,000 Fam $60,000 Fam

Preferred

Access

Annual Deductible

$1,500 Ind $4,500 Fam

$3,000 Ind $9,000 Fam

Out-of-Pocket Maximum

(combined medical & pharmacy)

PLUS PPO Plan Non Preferred

Out of Network

$4,000 Ind $12,000 Ind $12,000 Fam $36,000 Fam

ACA LIMIT

In-Network (deducitble & OOP max cross-accumulates)

MEDICAL BENEFITS $0 Preventive Services

Preventive

$0 Preventive Services

Primary Care Provider (PCP)

$15 Preferred PCP listed on ID card $40 other PCP listed on ID card $50 other PCP

50% after deductible

$10 PCP Preferred PCP listed on ID card $30 other PCP listed on ID card $40 other PCP

40% after deductible

Walk-In Clinic

$40 other PCP on ID card $50 other PCP

50% after deductible

$30 other PCP on ID card $40 other PCP

40% after deductible

Specialist

$40

30% after deductible

$65

50% after deductible

$25

20% after deductible

$50

40% after deductible

Behavioral Health

$15

50% after deductible

$10

40% after deductible

Speech, Occupational, Chiropractic, Physical Therapy

$62

50% after deductible

$42

40% after deductible

High-Cost Imaging

$400

30% after deductible

$1,000, then 30% after ded

50% after deductible

$250

20% after deductible

$500, then 20% after ded

Urgent Care

$100

$70

Emergency Room

$600, then 30% after deductible (copay waived with admission)

$500, then 20% after deductible (copay waived with admission)

40% after deductible

Inpatient Hospital

$750

$600, then $1,500, then 30% after ded 30% after ded

50% after deductible

$500

$500, then $1,000, then 20% after ded 20% after ded

40% after deductible

Outpatient Surgery

$600

$350, then $1,000, then 30% after ded 30% after ded

50% after deductible

$300

$300, then $500, then 20% after ded 20% after ded

40% after deductible

Ambulatory Surgical Center

$400

50% after deductible

$250

Lantern

30% after deductible

$1,000, then 30% after ded

Lantern Surgical Benefit $0 Member Cost 96

20% after deductible

$500, then 20% after ded

40% after deductible

Lantern Surgical Benefit $0 Member Cost

2027 STATE HEALTH PLAN COMPARISON ACTIVE and NON-MEDICARE Subscribers STANDARD PPO Plan

PLUS PPO Plan

PHARMACY BENEFITS Rx Tier 1

$25

$15

Rx Tier 2

$75

$55

Rx Tier 3

Deductible / Coinsurance

Rx Tier 4

$200

$100

Rx Tier 5

$600

$500

Rx Tier 6

Deductible / Coinsurance

Preferred Blood Glucose Meters and Supplies*

$10*

$5*

Preferred & Non-Preferred Insulin

Preventive Medications

Rx copays for 30-day supply.

*This does not include Continuous Glucose Monitoring Systems or associated supplies. These are considered a Tier 2 member copay.

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

MEDICAL BRIDGE BENEFITS

Group Hospital Indemnity Insurance Plan 2

Group Medical Bridge Insurance can help with medical costs associated with a hospital stay that your health insurance may not cover. These benefits are available for you, your spouse and eligible dependent children. Hospital confinement................................................................ $_______________ per day Maximum of one day per covered person per calendar year

Waiver of premium

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

£ Daily hospital confinement .................................................................... $100 per day Maximum of 365 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.

£ Outpatient surgical procedure ¾ Tier 1 . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $_______________ per day ¾ Tier 2 . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $_______________ per day Maximum of $________________ per covered person per calendar year for Tier 1 and 2 combined Maximum of one day per outpatient surgical procedure The procedures listed below are only a sampling of the procedures that may be covered if the outpatient surgical procedure benefit is selected. Procedures must be performed by a doctor in a hospital or ambulatory surgical center. For complete details and definitions, refer to your certificate.

Tier 1 outpatient surgical procedures

For more information, talk with your benefits counselor.

Breast – Axillary node dissection – Breast capsulotomy – Lumpectomy

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

Cardiac – Pacemaker insertion

Liver – Paracentesis

Digestive – Colonoscopy* – Fistulotomy – Hemorrhoidectomy – Lysis of adhesions

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

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

Skin – Laparoscopic hernia repair – Skin grafting

Tier 2 outpatient surgical procedures

ColonialLife.com

Breast – Breast reconstruction – Breast reduction

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

Cardiac – Angioplasty – Cardiac catheterization Digestive – Exploratory laparoscopy – Laparoscopic appendectomy – Laparoscopic cholecystectomy Ear, nose, throat, mouth – Ethmoidectomy – Mastoidectomy – Septoplasty – Stapedectomy – Tympanoplasty

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

Thyroid – Excision of a mass Urologic – Lithotripsy

KS: "Surgical Procedure" benefit replaces "Outpatient Surgical Procedure." Diagnostic Procedures must be performed in a hospital or an ambulatory surgical center. PA: "Hospital Confinement Admission" benefit replaces the "Hospital Confinement" benefit *Colonoscopy must result in polyp removal or be recommended by a physician for the purposes of treating or diagnosing a sickness. If a covered family member has a qualified high deductible health plan (HDHP) and actively contributes to a health savings account (HSA), their HSA can be disqualified with this coverage. THIS INSURANCE 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

ColonialLife.com

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

PRE-EXISTING CONDITION LIMITATIONS

(l) We will not pay benefits for loss during the first 12 months after the certificate effective date due to a pre-existing condition. (m) A pre-existing condition is 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 the 12 months before the certificate effective date. (n) This limitation applies to the following benefits, if applicable: Hospital Confinement, Daily Hospital Confinement, Inpatient Mental and Nervous, Rehabilitation Unit Confinement, Specified Critical Illness, Diagnostic Procedure, and Outpatient Surgical Procedure. 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 GMB7000-P and certificate form GMB7000-C (including state abbreviations where used, for example: (including state abbreviations where used, for example GMB7000-P-TX and GMB7000-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. ©2026 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

100

8-26 | 101918-3-Pierce Group

Group Hospital Indemnity Insurance Exclusions and Limitations STATE-SPECIFIC DISCLOSURES

KY: Premium will vary based on the coverage selected and the age of the named insured. Eligibility for benefits The provisions of this policy insure a covered person against losses due to injuries received in a covered accident or losses due to a covered sickness. Covered Accident means an unintended or unforeseen bodily injury sustained by a covered person, wholly independent of disease, bodily infirmity, illness, infection, or any other abnormal physical condition and which: occurs on or after the Coverage Effective Date; occurs while policy is in force; and is not excluded by name or specific description in this policy. Covered Sickness means an illness, infection, disease, or any other abnormal physical condition, not caused by an accident, which: occurs on or after the policy coverage effective date; occurs while this policy is in force; and is not excluded by name or specific description in this policy. End of Coverage for the Named Insured This policy is guaranteed renewable for life as long as you pay the premiums when they are due or within the grace period.

STATE-SPECIFIC EXCLUSIONS

AK: (a) Replaced by intoxicants and narcotics CA: (k) Additional exclusions include intoxicants and controlled substances CT: (a) Replaced by intoxication or drug addiction; (d) Replaced by felonies; (f) Exclusion does not apply DE: (a) Exclusion does not apply IL: (a) Replaced by alcoholism, intoxication, or drug addiction; (f) Exclusion does not apply; (g) Exclusion does not apply KS: (a) Replaced by intoxicants and narcotics; (h) Replaced by war or armed conflict; (i) Exclusion does not apply KY: (a) Replaced by intoxicants, narcotics and hallucinogenics LA: (a) Replaced by intoxicants and narcotics MI: (g) Exclusion does not apply MO: (a) Replaced by drug addiction; (d) Replaced by illegal activities MS: (a) Replaced by intoxicants and narcotics NC: (i) Exclusion does not apply ND: (a) Exclusion does not apply; (e) Exclusion does not apply NV: (a) Exclusion does not apply OH: (f) Exclusion does not apply; (i) Replaced by 270 days PA: (a) Replaced by intoxicants and narcotics; (c) Replaced by cosmetic surgery; (e) Replaced by mental, nervous or emotional disorders; (h) Replaced by war or armed conflict SD: (a) Exclusion does not apply TN: (f) Exclusion does not apply TX: (a) Replaced by intoxicants and narcotics VA: (i) Pregnancy resulting from the rape of any covered person, which was reported to the police within seven days following its occurrence, will be covered to the same extent as any other covered accident. The sevenday requirement will be extended to 180 days in the case of an act of rape or incest of a female under 13 years of age.

STATE-SPECIFIC PRE-EXISTING CONDITION LIMITATIONS IN, SD, and WY: (m) Applies within the six months before the certificate effective date. CA: (m) A pre-existing condition is a sickness or physical condition for which a covered person was diagnosed or treated within 12 months before the coverage effective date. FL: (m) A pre-existing condition is a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within six months before the coverage effective date. Genetic information is not a pre-existing condition in the absence of a diagnosis of the condition related to such information. IL: (m) A pre-existing condition is a sickness or physical condition, whether diagnosed or not, for which a covered person was treated, had medical testing by a legally qualified physician or, received medical advice, produced symptoms or had taken medication within 12 months before the coverage effective date. KS: (n) Surgical Procedure replaces Outpatient Surgical Procedure ME: (m) A pre-existing condition is a sickness or physical condition, whether diagnosed or not, for which a covered person was treated, had medical testing, or received medical advice within 12 months before the coverage effective date. MI: (l) Applies during the first six months after the certificate effective date; (m) applies within the six months before the certificate effective date. MO: (m) A pre-existing condition means having 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 coverage effective date of this certificate. NC: (m) A pre-existing condition is those conditions, whether diagnosed or not, for which a covered person received medical advice, diagnosis, care or treatment that was received or recommended within the one-year period immediately preceding the coverage effective date. If you are 65 or older when this certificate is issued, pre-existing conditions will include only conditions specifically eliminated by a rider. ND: (m) A pre-existing condition is a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within 12 months before the coverage effective date. NV: (m) Applies within the six months before the certificate effective date. Additionally, pre-existing condition does not include genetic information in the absence of a diagnosis of the condition related to such information. OR: (m) A pre-existing condition is a sickness or physical condition, whether diagnosed or not, for which a covered person was treated by a doctor, received advice from a physician or had taken medication prescribed by a doctor within the 12 months period immediately preceding the coverage effective date. PA: (m) A pre-existing condition is a disease or physical condition for which you received medical advice or treatment within 90 days before the coverage effective date. (n) Hospital Confinement Admission replaces Hospital Confinement.

THIS INSURANCE PROVIDES LIMITED BENEFITS. For policies issued or delivered in the Commonwealth of Virginia, THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY. 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. 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 GMB7000-P and certificate form GMB7000-C (including state abbreviations where used, for example: GMB7000-C-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company. This form is not complete without base form 101917 or 101918. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2023 Colonial Life & Accident Insurance Company. All rights reserved. 101 Company. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance GMB7000 – EXCLUSIONS AND LIMITATIONS | 12-23 | 101733-6

Group Hospital Indemnity Insurance Medical Treatment Package

The Group Medical BridgeTM medical treatment package can help pay for deductibles, co-payments and other out-of-pocket expenses related to the treatment of a covered accident or covered sickness.

The medical treatment package paired with Plan 1 provides accident-only coverage. When paired with Plan 2, it provides accident and sickness coverage. Medical treatment package ¾ Air ambulance ............................................................................. $1,000 per day Maximum of one day per covered person per calendar year

¾ Ambulance ................................................................................... $100 per day Maximum of one day per covered person per calendar year

¾ Appliance ..................................................................................... $100 per day Maximum of one day per covered person per calendar year

¾ Doctor’s office visit/telemedicine........................................................... $25 per day Maximum of three days per calendar year for named insured coverage or maximum of five days per calendar year for all covered persons combined

¾ Emergency room visit....................................................................... $100 per day Maximum of two days per covered person per calendar year

For more information, talk with your benefits counselor.

¾ X-ray.............................................................................................. $25 per day Maximum of two days per covered person per calendar year

DC: The “Air ambulance” and “Ambulance” benefits are included in the base plan. KS: “Attending Physican” benefit replaces the “Doctor’s office visit/telemedicine” benefit.

ColonialLife.com

THIS INSURANCE 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 hospital indemnity insurance. 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 GMB7000-P and certificate form GMB7000-C (plus state abbreviations where applicable, for example: GMB7000-C-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company. This form is not complete without a base form (101731, 101732, 101917 or 101918). 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.

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GMB7000 – MEDICAL TREATMENT PACKAGE | 1-23 | 101725-3

Group Hospital Indemnity Insurance Wellbeing Assistance Standard Benefit

The Group Medical BridgeTM wellbeing assistance standard benefit can help pay for routine preventive tests you have each year.

Wellbeing assistance standard ....................................................... $_____________ per day Maximum of one day per covered person per calendar year; subject to a 30-day waiting period Blood test for triglycerides

Mammography

Bone marrow testing

Pap smear

Breast ultrasound

PSA (blood test for prostate cancer)

CA 15-3 (blood test for breast cancer)

Serum cholesterol test for HDL and LDL levels

CA 125 (blood test for ovarian cancer) Carotid Doppler

Serum protein electrophoresis (blood test for myeloma)

CEA (blood test for colon cancer)

Skin cancer biopsy

Chest X-ray

Stress test on a bicycle or treadmill

Colonoscopy

Thermography

Echocardiogram (ECHO)

ThinPrep pap test

Electrocardiogram (EKG, ECG)

Virtual colonoscopy

Fasting blood glucose test Flexible sigmoidoscopy

For more information, talk with your benefits counselor.

Hemoccult stool analysis

CA: Includes any generally accepted cancer screening test not listed, cervical cancer screening tests (approved by the federal FDA, upon the referral of the insured’s health care provider), and human papillomavirus screening test ID, MD, MO, ND: Waiting period does not apply WV: Includes human papillomavirus screening test

THIS INSURANCE PROVIDES LIMITED BENEFITS.

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

WAITING PERIOD Waiting period means the first 30 days following any covered person’s coverage effective date, during which no benefits are payable. 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 GMB7000-P and certificate form GMB7000-C (including state abbreviations where used, for example: GMB7000-P-AU-TX and GMB7000-P-EE-TX, and certificate forms GMB7000C-AU-TX and GMB7000-C-EE-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. ©2023 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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GMB7000 – WELLBEING ASSISTANCE STANDARD BENEFIT | 2-23 | 101730-5

MEDICAL BRIDGE BENEFIT PREMIUMS Plan 2 Hospital Confinement $1,000 Waiver of Premium, Daily Hospital Confinement Benefit, Wellbeing Assisance Standard - $100, Medical Treatment Package, Outpatient Surgical Procedures $500 / $1,000 Issue Age 17+

10 Deductions

11 Deductions

12 Deductions

Named Insured

$33.12

$30.11

$27.60

Employee & Spouse

$69.31

$63.01

$57.76

One-Parent Family

$50.26

$45.69

$41.88

Two-Parent Family

$86.45

$78.59

$72.04

Plan 2 Hospital Confinement $1,500 Waiver of Premium, Daily Hospital Confinement Benefit, Wellbeing Assisance Standard - $100, Medical Treatment Package, Outpatient Surgical Procedures $500 / $1,000 Issue Age 17+

10 Deductions

11 Deductions

12 Deductions

Named Insured

$38.35

$34.87

$31.96

Employee & Spouse

$80.59

$73.27

$67.16

One-Parent Family

$57.41

$52.19

$47.84

Two-Parent Family

$99.65

$90.59

$83.04

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

104

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.

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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

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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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9-21 | 101895-2

TERM LIFE INSURANCE PREMIUMS 10-Year Term Base Plan Monthly Non-Tobacco Rates Issue Age 25

Pay Premium

$10,000.00

$25,000.00

$50,000.00

$100,000.00

$7.97 $7.24 $6.64 $8.47 $7.70 $7.06 $9.08 $8.26 $7.57 $9.58 $8.71 $7.98 $11.00 $10.00 $9.17 $14.06 $12.79 $11.72 $19.40 $17.64 $16.17 $28.03 $25.48 $23.36

$12.72 $11.56 $10.60 $13.98 $12.71 $11.65 $15.53 $14.12 $12.94 $16.75 $15.23 $13.96 $20.30 $18.46 $16.92 $27.95 $25.41 $23.29 $41.33 $37.57 $34.44 $62.87 $57.15 $52.39

$12.25 $11.14 $10.21 $12.25 $11.14 $10.21 $13.50 $12.27 $11.25 $16.85 $15.32 $14.04 $22.34 $20.31 $18.62 $30.70 $27.91 $25.58 $43.64 $39.68 $36.37 $64.75 $58.87 $53.96

$19.70 $17.91 $16.42 $19.70 $17.91 $16.42 $22.20 $20.18 $18.50 $28.90 $26.27 $24.08 $39.90 $36.27 $33.25 $56.59 $51.45 $47.16 $82.50 $75.00 $68.75 $124.69 $113.36 $103.91

20-Year Term Base Plan Monthly Non-Tobacco Rates Issue Age 25

Pay Premium

$10,000.00

$25,000.00

$50,000.00

$100,000.00

$8.05 $7.32 $6.71 $8.54 $7.77 $7.12 $9.23 $8.39 $7.69 $9.88 $8.98 $8.23 $11.62 $10.56 $9.68 $15.20 $13.82 $12.67 $21.67 $19.70 $18.06 $32.21 $29.28 $26.84

$12.92 $11.75 $10.77 $14.17 $12.88 $11.81 $15.88 $14.43 $13.23 $17.50 $15.91 $14.58 $21.85 $19.87 $18.21 $30.83 $28.03 $25.69 $46.97 $42.70 $39.14 $73.32 $66.65 $61.10

$12.65 $11.50 $10.54 $12.65 $11.50 $10.54 $13.90 $12.63 $11.58 $18.50 $16.82 $15.42 $26.15 $23.77 $21.79 $37.90 $34.45 $31.58 $55.60 $50.54 $46.33 $86.40 $78.55 $72.00

$20.50 $18.63 $17.08 $20.50 $18.63 $17.08 $23.00 $20.91 $19.17 $32.20 $29.27 $26.83 $47.50 $43.18 $39.58 $70.99 $64.54 $59.16 $106.39 $96.72 $88.66 $167.99 $152.72 $139.99

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

108

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. 110

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 25

Pay Premium 10-Pay Premium 11-Pay Premium 12-Pay Premium 10-Pay Premium 11-Pay Premium 12-Pay Premium 10-Pay Premium 11-Pay Premium 12-Pay Premium 10-Pay Premium 11-Pay Premium 12-Pay Premium 10-Pay Premium 11-Pay Premium 12-Pay Premium 10-Pay Premium 11-Pay Premium 12-Pay Premium

$10,000.00 $11.21 $10.19 $9.34 $13.20 $12.00 $11.00 $16.22 $14.75 $13.52 $20.34 $18.49 $16.95 $26.89 $24.45 $22.41 $37.42 $34.01 $31.18

$25,000.00 $28.02 $25.47 $23.35 $33.02 $30.02 $27.52 $40.55 $36.86 $33.79 $50.86 $46.23 $42.38 $67.22 $61.11 $56.02 $93.55 $85.05 $77.96

$50,000.00 $56.05 $50.96 $46.71 $66.05 $60.04 $55.04 $81.10 $73.72 $67.58 $101.70 $92.45 $84.75 $134.45 $122.23 $112.04 $187.10 $170.09 $155.92

$100,000.00 $112.10 $101.91 $93.42 $132.10 $120.09 $110.08 $162.20 $147.46 $135.17 $203.40 $184.91 $169.50 $268.90 $244.45 $224.08 $374.20 $340.18 $311.83

$150,000.00 $168.16 $152.87 $140.13 $198.16 $180.14 $165.13 $243.30 $221.18 $202.75 $305.10 $277.36 $254.25 $403.36 $366.69 $336.13 $561.30 $510.27 $467.75

$100,000.00 $103.20 $93.82 $86.00 $118.80 $108.00 $99.00 $140.60 $127.82 $117.17 $169.80 $154.36 $141.50 $213.90 $194.45 $178.25 $275.40 $250.36 $229.50 $368.80 $335.27 $307.33 $494.20 $449.27 $411.83

$150,000.00 $154.80 $140.73 $129.00 $178.20 $162.00 $148.50 $210.90 $191.73 $175.75 $254.70 $231.55 $212.25 $320.86 $291.69 $267.38 $413.10 $375.55 $344.25 $553.20 $502.91 $461.00 $741.30 $673.91 $617.75

Adult Base Plan Paid-up to Age 100 Non-Tobacco Rates Issue Age 25

$10,000.00 $10.32 $9.38 $8.60 $11.88 $10.80 $9.90 $14.06 $12.79 $11.72 $16.98 $15.44 $14.15 $21.40 $19.45 $17.83 $27.54 $25.04 $22.95 $36.88 $33.52 $30.73 $49.42 $44.92 $41.18

$25,000.00 $25.80 $23.45 $21.50 $29.70 $27.00 $24.75 $35.15 $31.95 $29.29 $42.46 $38.60 $35.38 $53.47 $48.61 $44.56 $68.86 $62.60 $57.38 $92.20 $83.81 $76.83 $123.55 $112.32 $102.96

$50,000.00 $51.60 $46.91 $43.00 $59.40 $54.00 $49.50 $70.30 $63.91 $58.58 $84.90 $77.18 $70.75 $106.96 $97.23 $89.13 $137.70 $125.18 $114.75 $184.40 $167.64 $153.67 $247.10 $224.64 $205.92

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

112

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.

113

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

114

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 Wake County Public School System 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: Wake County Public School System. 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,

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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 • 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

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 know about 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 Wake County Public School System 5625 Dillard Drive Cary, NC 27518 FSA COBRA Administrator: Ameriflex 2508 Highlander Way, Suite 200 Carrollton, TX 75006 Fax: 609-257-0136

Dental COBRA Administrator: Delta Dental of North Carolina Attn: COBRA Administrator 240 Venture Circle Nashville, TN 37228

Vision COBRA Administrator: EyeMed Vision c/o: Forrest T. Jones PO Box 418131 Kansas City, MO 64141-8131

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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. If you believe NPI we have about you is incorrect, please write us. Your letter should include your full name, address, telephone number and policy number if we have issued a policy. Your letter should also explain why you believe the NPI is inaccurate. If we agree with you, we will correct the NPI and notify you of the correction. We will also notify any person who may have received the incorrect NPI from us in the past two years if you ask us to contact that person. 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 117

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 Credit Reporting Act. The address of the Bureau’s information office is: 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734, telephone (617) 4263660. Colonial or its reinsure may also release information in its file to other life insurance companies to whom you may apply for life or health insurance or to whom a claim for benefits may be submitted.

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 888-662-7500 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 888-662-7500 for assistance.

Please visit www.piercegroupbeneﬁts.com/individualcoverage or call 888-662-7500 for more information on these policies, as well as to enroll/continue your benefits.

NORTH CAROLINA STATE HEALTH PLAN INSURANCE Under certain qualifying events, employees and dependents have the opportunity to continue coverage for 18-36 months under the COBRA Act. Please contact the North Carolina State Health Plan at 1-877-679-6272.

If you are retiring, you must either log into www.myncretirement.com or call 1-877-679-6272.

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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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