2024 Robert M Beren Academy Benefit Guide : simplebooklet.com

__________________________________________ __ thrives on balance – balancing professional and personal worlds – balancing work and rest – while always balancing cost and value. We also understand that balance must be individualized. What is right for one person may not be appropriate for another. It is our goal to offer choices allowing you to tailor your benefits plan specifically to what is best for you and your family members. Your Choices ___ Provides a complete package of benefits aimed at providing flexible insurance protection and programs to meet your ever-changing needs. ___ shares the cost of some benefits with you, while making additional benefits available that you pay for if you choose to enroll. The part of the benefit costs that you are responsible for will be automatically deducted from your paycheck, either before or after your taxes are calculated. Benefit Pre-Tax or Post Tax Who pays the cost? Why do I pay for some benefits with before-tax money? While not all benefits qualify for pre-tax contribution, there is a definite advantage to paying for those that do: Taking the money out before your taxes are calculated lowers the amount of your taxable income. Therefore, you pay less in taxes. How Your Benefits Work Full-time employees are eligible for most benefits on _____________________________________ of hire. Making Changes Generally, you can only change your benefits choices during the annual Benefits Enrollment Period. However, you can change your benefits choices during the year if you have a life event change. Life event changes include but are not limited to:  Marriage  Divorce  Birth, adoption, or placement for adoption of an eligible child  Death of your spouse or covered child  Change in you or your spouse’s work status that results in cancellation of your benefits  Becoming eligible for Medicare or Medicaid during the year If you have a life event change, you must notify Human Resources within 31 days of the change (for example, a marriage or birth certificate). If you do not notify Human Resources within 31 days, you will have to wait until the next annual Open Enrollment period to make benefits changes unless you have another life event change. Any changes you make to your benefit choices must be directly related to the life event change. Robert M. Beren Academy Robert M. Beren Academy Robert M. Beren Academy the first day of the month following 30 daysRobert M. Beren Academy Pre-TaxEmployer SharedPre-TaxEmployee PaidPre-TaxEmployee PaidHealth InsuranceDental InsuranceVision InsuranceDisabilityEmployee PaidPost-TaxVoluntary LifeEmployee PaidPost-TaxAccidentEmployee PaidPost-TaxCritical IllnessEmployee PaidPost-Tax

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Exclusions and LimitationsThe following dental services are not covered unless stated otherwise in the Certificate of Coverage:• any treatment which is elective or primarily cosmetic in nature and not generally recognized as a generally accepted dental practice by the American Dental Association, as well as any replacement of prior elective or cosmetic restorations;• replacement of a removable device or appliance that is lost, missing or stolen, and for the replacement of removable appliances that have been damaged due to abuse, misuse, or neglect. This may include but not be limited to removable partial dentures or dentures;• replacement of any permanent or removeable device or appliance unless the device or appliance is no longer functional and is older than the limitation in the Schedule of Covered Procedures. This may include but not be limited to bridges, dentures and crowns;• any appliance, service, or procedure performed for the purpose of splinting, to alter vertical dimension or to restore occlusion;• any appliance, service or procedure performed for the purpose of correcting attrition, abrasion, erosion, abfraction, bite registration, or bite analysis;• charges for implants (except noted above), removal of implants, precision or semi-precision attachments, denture duplication, or dentures and any associated surgery, or other customized services or attachments;• services provided for any type of temporomandibular joint (TMJ) dysfunction, muscular, skeletal deficiencies involving TMJ or related structures, myofascial pain.Limitations:• Multiple restorations on one surface are payable as one surface. Multiple surfaces on a single tooth will not be paid as separate restorations. On any given day, more than 8 periapical x-rays or a panoramic film in conjunction with bitewings will be paid as a full mouth radiograph. Pre-estimates are recommended for any treatment expected to exceed $300.Takeover benefits:Takeover benefits apply if we are taking over a comparable benefits plan from another carrier and only if there is no break in coverage between the original plan and the takeover date. Takeover is available to those individuals insured under the employer’s dental plan in effect at the time of the employer’s application. If takeover benefits are included in your benefits, then waiting periods for service will be waived for the individuals currently insured under the employer’s previous plan during the month prior to coverage moving to us. Application of takeover benefits is subject to Underwriting review and approval. New hires with prior-like dental coverage (lapse in coverage must be less than 63 days) will receive takeover credit for the length of time they had with the prior carrier and must provide proof of coverage (including coverage dates) to receive takeover credit (i.e. one page benefit summary, Certificate of Creditable Coverage, etc.). A Network Access plan is available. THIS POLICY PROVIDES LIMITED BENEFITS This brochure is not intended to be a complete description of the insurance coverage available. The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form Series Dental 20-GDN or contact your Unum Dental representative. Underwriten by Starmount Life Insurance Company, Baton Rouge, LA.© 2022 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. EN-2026 FOR EMPLOYEES (10-22)unum.com

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M-306 (05/10) This plan allows for a $9 office visit co-payment per visit to cover administrative and supply expenses. DIAGNOSTICS SERVICES 00120 Periodic Oral Evaluation .................................................................... $0 00140 Limited Oral Evaluation ....................................................................... 0 00150 Comprehensive Oral Evaluation .......................................................... 0 00210 Intraoral Complete Series (including bitewings) .................................. 0 00220 Intraoral Periapical – first film .............................................................. 0 00230 Intraoral Periapical – each additional film ........................................... 0 00240 Intraoral Occlusal Film ......................................................................... 0 00250 Extraoral – first film .............................................................................. 0 00260 Extraoral – each additional film ........................................................... 0 00270 Bitewings – single film ......................................................................... 0 00272 Bitewings – two film ............................................................................. 0 00274 Bitewings – four film ............................................................................ 0 00330 Panoramic ............................................................................................ 0 00415 Bacteriologic Studies for Determination of Pathologic Agents ............ 0 00425 Caries susceptibility Tests ................................................................... 0 00460 Pulp Vitality Tests ................................................................................ 0 00470 Diagnostic casts .................................................................................. 0 PREVENTIVE SERVICES 01110 Prophylaxis – Adult .............................................................................. 0 01120 Prophylaxis - Child ............................................................................... 0 01201 Topical Application of Fluoride (including prophylaxis) – Child ........... 0 01203 Topical Application of Fluoride (excluding prophylaxis) - Child .......... 0 01204 Topical Application of Fluoride (excluding prophylaxis) – Adult .......... 0 01310 Nutritional Counseling for the Control of Dental Disease ................... 0 01330 Oral Hygiene Instructions .................................................................... 0 01351 Sealant per Tooth (for children under 14) ........................................... 7 01510 Space Maintainer – fixed – unilateral ................................................ 91 01515 Space Maintainer – fixed – bilateral ................................................ 120 01520 Space Maintainer – removable – unilateral ..................................... 113 01525 Space Maintainer – removable – bilateral ....................................... 144 01550 Recementation of Space Maintainer ................................................. 19 RESTORATIVE SERVICES 02140 Amalgam - one surface, primary/permanent ..................................... 12 02150 Amalgam - two surfaces, primary/permanent ................................... 15 02160 Amalgam - three surfaces, primary/permanent ................................. 19 02161 Amalgam - four or more surfaces, primary/permanent ..................... 23 02330 Resin – one surface – anterior .......................................................... 15 02331 Resin - two surfaces, anterior ............................................................ 19 02332 Resin - three surfaces, anterior ......................................................... 23 02335 Resin - four or more surfaces, or with incisal angle, anterior ............ 27 02390 Composite resin crown - anterior ..................................................... 65 02391 Resin – one surface, posterior .......................................................... 18 02392 Resin – two surface, posterior ........................................................... 23 02393 Resin – three surface, posterior ........................................................ 27 02510 Inlay – metallic – one surface* ........................................................ 295 02520 Inlay – metallic – two surface* ......................................................... 295 02530 Inlay – metallic – three or more surfaces* ....................................... 295 02543 Onlay – metallic - three surfaces* ................................................... 295 02544 Onlay – metallic – four or more surfaces* ....................................... 295 02610 Inlay – porcelain/ceramic – one surface* ........................................ 250 02620 Inlay – porcelain/ceramic – two surfaces* ....................................... 275 02630 Inlay – porcelain/ceramic – three or more surfaces* ....................... 300 02642 Onlay – porcelain/ceramic – two surfaces* ..................................... 285 02643 Onlay – porcelain/ceramic – three surfaces* .................................. 300 02644 Onlay – porcelain/ceramic – four or more surfaces* ....................... 325 02650 Inlay – composite/resin – one surface (laboratory processed)* ...... 186 02651 Inlay – composite/resin – two surface (laboratory processed)* ...... 225 02652 Inlay – composite/resin – three surfaces (laboratory processed)* .. 243 02710 Crown - resin (laboratory) ................................................................ 138 02720 Crown - resin with high noble metal * .............................................. 295 02721 Crown - resin with predominantly base metal * ............................... 295 02722 Crown - resin with noble metal * ...................................................... 295 02750 Crown - porcelain fused to high noble metal * ................................ 295 RESTORATIVE SERVICES CONTINUED 02751 Crown - porcelain fused to predominantly base metal * .............................. 295 02752 Crown - porcelain fused to noble metal * ..................................................... 295 02780 Crown -3/4 cast high noble metal * .............................................................. 295 02790 Crown - full cast high noble metal * ............................................................. 295 02791 Crown - full cast predominantly base metal * .............................................. 295 02792 Crown - full cast noble metal * ..................................................................... 295 02910 Recement Inlay (By other than treatment provider) ………………………….22 02920 Recement Crown (By other than treatment provider)………………………...22 02930 Prefabricated Stainless Steel Crown (Primary Tooth) ................................... 60 02931 Prefabricated Stainless Steel Crown (Permanent Tooth) .............................. 80 02940 Sedative Filling (Temporary Filling) ................................................................. 9 02950 Core buildup, including any pins .................................................................. 105 02951 Pin retention - per tooth, in addition to restoration ........................................ 20 02952 Cast post and core in addition to crown * .................................................... 125 02954 Prefabricated post and core in addition to crown ........................................ 105 * There will be an additional charge for lab/metal cost for those procedures with a star (*). ENDODONTICS 03110 Pulp cap – direct (excluding final restoration) .............................................. 30 03120 Pulp cap - indirect (excluding final restoration) ............................................ 30 03220 Therapeutic pulpotomy (excluding final restoration) ...................................... 50 03310 Anterior (excluding final restoration) .............................................................. 97 03320 Bicuspid (excluding final restoration) ........................................................... 140 03330 Molar (excluding final restoration) ................................................................ 200 PERIODONTAL SERVICES 04210 Gingivectomy or gingivoplasty - per quadrant ............................................. 149 04211 Gingivectomy or gingivoplasty - per tooth ..................................................... 42 04320 Provisional splinting - intracoronal ............................................................... 109 04321 Provisional splinting – extracoronal ............................................................. 100 04341 Periodontal scaling and root planing – per quadrant ..................................... 45 04355 Gross scaling (full mouth debridement to enable periodontal evaluation) .... 45 04910 Periodontal maintenance procedures (following active therapy) ................... 28 PROSTHODONTICS (REMOVABLE) SERVICES 05110 Complete Denture – maxillary (upper) ** ..................................................... 375 05120 Complete Denture – mandibular (lower) ** .................................................. 375 05130 Immediate Denture – maxillary (upper)** .................................................... 400 05140 Immediate Denture – mandibular (lower)** ................................................. 400 05211 Upper Partial Denture – resin base (including any conventional clasps, rests and teeth)** .................................................................................................. 375 05212 Lower Partial Denture – resin base (including any conventional clasps, rests and teeth)** .................................................................................................. 375 05213 Upper Partial Denture – cast metal framework with resin denture bases (including any conventional clasps, rests and teeth)** ................................ 400 05214 Lower Partial Denture – cast metal framework with resin denture bases (including any conventional clasps, rests and teeth)** ................................ 400 05510 Repair Broken Complete Denture Base ........................................................ 75 05520 Replace Missing or Broken Teeth – complete denture (each tooth) ............. 55 05610 Repair Resin Denture Base ........................................................................... 75 05620 Repair Cast Framework ................................................................................. 75 05630 Repair or Replace Broken Clasp ................................................................... 75 05640 Replace Broken Teeth – per tooth ................................................................. 55 05650 Add Tooth to Existing Partial Denture ............................................................ 75 05660 Add Clasp to Existing Partial Denture ............................................................ 75 PROSTHODONTICS (REMOVABLE) SERVICES CONTINUE 05710 Rebase Complete Upper Denture, each........................................... 144 05711 Rebase Complete Lower Denture, each...................................................... 144 05720 Rebase Upper Partial Denture, each .......................................................... 136 05721 Rebase Lower Partial Denture, each .......................................................... 136 05730 Reline Complete Upper Denture (chairside), each ........................................ 78 05731 Reline Complete Lower Denture (chairside), each ........................................ 78 05740 Reline Upper Partial Denture (chairside), each ............................................. 78 05741 Reline Lower Partial Denture (chairside), each ............................................. 78 05750 Reline Complete Upper Denture (lab), each ............................................... 135 05751 Reline Complete Lower Denture (lab), each ............................................... 135 05760 Reline Upper Partial Denture (lab), each ..................................................... 135 FC Schedule of Benefits PREMIER – 110-01 PLAN

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M-306 (05/10) Schedule of Benefits PREMIER – 110-01 PLAN . PROSTHODONTICS (REMOVABLE) SERVICES CONTINUED 05761 Reline Lower Partial Denture (lab), each………………………… ..135 05810 Interim Complete Denture Upper, each ............................................. 167 05811 Interim Complete Denture Lower, each ............................................. 167 05820 Interim Partial Denture Upper, each ................................................... 167 05821 Interim Partial Denture Lower, each ................................................... 167 05850 Tissue Conditioning, upper per unit ..................................................... 45 05851 Tissue conditioning, lower- per unit ...................................................... 45 ** Member may be charged cost of non-standard materials in addition to copayments PROSTHODONTICS (FIXED) SERVICES 06210 Pontic - cast high noble metal * .......................................................... 295 06211 Pontic - cast predominantly base metal * ........................................... 295 06212 Pontic - cast noble metal * .................................................................. 295 06240 Pontic - porcelain fused to high metal * .............................................. 295 06241 Pontic - porcelain fused to base metal * ............................................. 295 06242 Pontic - porcelain fused noble metal * ................................................ 295 06250 Pontic -resin with high noble/predominantly base/noble metal * ....... 295 06251 Pontic -resin with high noble/predominantly base/noble metal * ....... 295 06252 Pontic -resin with high noble/predominantly base/noble metal * ....... 295 06602 Inlay – cast high noble metal, two surfaces* ...................................... 295 06603 Inlay – cast high noble metal, three or more surfaces* ...................... 295 06604 Inlay – cast predominantly base metal, two surfaces* ....................... 295 06605 Inlay – cast predominantly base metal, three or more surfaces* ....... 295 06606 Inlay – cast noble metal, two surfaces* .............................................. 295 06607 Inlay – cast noble metal, three or more surfaces* .............................. 295 06610 Onlay – cast high noble metal, two surfaces* .................................... 295 06611 Onlay – cast high noble metal, three or more surfaces* .................... 295 06612 Onlay – cast predominantly base metal, two surfaces* ..................... 295 06613 Onlay – cast predominantly base metal, three or more surfaces* ..... 295 06614 Onlay – cast noble metal, two surfaces* ............................................ 295 06615 Onlay – cast noble metal, three or more surfaces* ............................ 295 06545 Retainer - cast metal for resin bonded fixed prosthesis* ................... 225 06720 Crown – resin with high noble metal * ................................................ 295 06721 Crown – resin with predominantly base metal* .................................. 295 06722 Crown – resin with noble metal* ......................................................... 295 06750 Crown - porcelain fused to high noble metal * ................................... 295 06751 Crown - porcelain fused predominantly base metal * ........................ 295 06752 Crown - porcelain fused noble metal * ............................................... 295 06780 Crown - 3/4 cast high noble metal * ................................................... 295 06790 Crown - full cast high noble metal * .................................................... 295 06791 Crown - full cast predominantly base metal * ..................................... 295 06792 Crown - full cast noble metal * ............................................................ 295 06930 Recement Bridge .................................................................................. 33 06940 Stress Breaker .................................................................................... 125 * There will be an additional charge for lab/metal cost for those procedures with a star (*). Additional charge of $65.00 per unit for multiple crown units (6 or more units of crown and/or bridge in same treatment plan and requires complete rehabilitation planning) ORAL SURGERY SERVICES 07140 Erupted Tooth or Exposed Roots (elevation/forceps removal) ............. 34 07210 Surgical Removal of Erupted Tooth Requiring Elevation of Mucoperiosteal Flap and Removal of Bone and/or Section of Tooth ... 70 07220 Removal of Impacted Tooth - soft tissue ............................................... 80 07250 Surgical Removal of Residual Tooth ..................................................... 70 07310 Alveoloplasty in Conjunction with Extractions - per quadrant ............... 72 07320 Alveoloplasty not in Conjunction with Extractions - per quad. ............ 114 07510 Incision and Drainage of Abscess - intraoral soft tissue ....................... 65 ADJUCTIVE GENERAL SERVICES 09110 Emergency Treatment of Dental Pain .................................................... 0 09211 Regional Block Anesthesia (except for diagnostic purposes) ................ 0 09212 Trigeminal Division Block Anesthesia (except for diagnostic purposes ) ................................................................................................ 0 09215 Local Anesthesia (except for diagnosis purpose) .................................. 0 09230 Nitrous Oxide (per 15 minutes) .............................................................. 0 09310 Consultation (by provider other than treatment provider) ...................... 0 09430 Office Visit During Regular Hours ($9 office visit copay not charged) ... 9 09440 Office Visit After Regular Hours ($9 Office visit copay not charged) ... 45 ADJUCTIVE GENERAL SERVICES CONTINUED 09941 Fabrication of Athletic Mouth guards ................................................... 45 09950 Occlusion Analysis - mounted case ..................................................... 70 09951 Occlusal Adjustment - limited............................................................... 37 09952 Occlusal Adjustment - complete ........................................................ 160 09999 Unspecified Adjunctive procedure, by report ......................................... 8 OTHER SERVICES Temporary Crown with Permanent Crown ............................................ 0 Infection Control Charges ...................................................................... 0 Office or Dental Supplies ....................................................................... 0 Laboratory Expenses ............................................................................. 0 Equipment and Instruments Necessary for Treatment .......................... 0 Any Other General Overhead Expenses ............................................... 0 Acid Edge Charge .................................................................................. 0 Duplication of X-rays .............................................................................. 0 Periodontal Probing Done with Initial and Periodic Oral Examinations . 0 Periodontal Probing in the Presence of Periodontal Disease ............. 25 Used of Bonding Materials (Allbond, Amalgabond or comparable materials- refer to code 09999) .............................................................. 8 All procedures not included in this CPT Code listing have a Copayment of 75% of the dentist’s usual and customary charge. All procedures might not be performed by the Participating General Dentist you select. The copayments shown apply to those Participating General Dentists who do perform these services and are not applicable for services performed by a Participating Specialty Dentist. Therefore, you are encouraged to discuss the availability of the scheduled services with your Participating General Dentist. Call Member Services at 281-313-7170 or 1-800-660-6064 if you have any questions concerning fees. SPECIALTY DENTISTS - Should you need a Specialty Dentist, you may be referred by your Participating General Dentist, or you may refer yourself to any Participating Specialty Dentist from our directory. Upon identification of yourself as an OraQuest member, your co-payment will be the following percentage of the Specialty Dentist’s usual fee: Endodontist (root canals) 80%, Oral Surgeon (tooth extractions) 75%, Orthodontist 75%, Periodontist (gum problems) 75%, Pediatric Dentist (children’s dentist) 75%. MISSED APPOINTMENTS - A missed appointment without 24 hours notice may result in a missed appointment charge made by the Participating General and Specialty Dentists. Please discuss this with your selected Participating Dentist. CHILDREN UNDER 5 YEARS OF AGE - Children under 5 years of age may be referred to a pediatric dentist. Please discuss this with your selected Participating General Dentist. Emergency Provisions In the event the Member is in need of emergency dental services, the Member should contact any licensed dentist for emergency dental services. Emergency dental services are limited to procedures rendered, including, but not limited to, a dentist’s office, dental clinic, or other comparable facility, to evaluate and stabilize dental conditions of a recent onset and severity accompanied by excessive bleeding, severe pain, or acute infection that would lead a prudent layperson possessing an average knowledge of dentistry to believe that immediate care is needed. The Plan will reimburse the cost EMERGENCY Care only at the negotiated or usual and customary rate, subject to any applicable copayments.

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M-306 (05/10) ORAQUEST DENTAL PLANS — Exclusions & Limitations The following dental benefits are NOT covered or offered under the OraQuest plan: Oral surgery requiring the setting of fractures or dislocations; treatment of congenital malformations; treatment of malignancies, neoplasms, or cysts including biopsies; dispensing of drugs; any hospitalization costs. General Provisions • Any medical treatment which is necessary in conjunction with dental care because of the general health and physical limits of the eligible member as indicated by said member’s personal physician or the OraQuest dentist. • Any treatment requested or appliance made which in the opinion of the treating dentist is not necessary for maintaining or improving the eligible member’s health. • Any treatment covered or provided for by Worker’s Compensation or employer’s liability laws by a federal or state government agency or provided without cost by any municipality, county or other governmental subdivision. • Any procedure considered to be experimental by the providing dentist. • Any dental care provided by a nonparticipating general dentist or specialist except when authorized by OraQuest. • Dental treatment and expenses incurred for such treatment started prior to the Member’s eligibility to receive benefits under this Plan, or started after a Member’s termination. Specific Provisions • General anesthesia and intravenous sedation are excluded. • Replacement of lost or stolen prosthetic devices. Dentures or appliances will be replaced only after 5 years have elapsed since such dentures or appliances were provided under any OraQuest program unless the denture becomes unsatisfactory due to illness or other causes not controlled by ordinary circumstances. Replacement under this plan will be made only if the existing denture is unsatisfactory and cannot be made satisfactory. • Prophylaxis, adult/child: once every six months unless required more often due to dental necessity as determined by member’s primary dental provider. • Full mouth x-rays: Once every 36 months unless required more often due to dental necessity as determined by member’s primary dental provider. • Panoramic x-rays: Once every 36 months unless required more often due to dental necessity as determined by member’s primary dental provider. • Special requests by patients for titanium partial dentures, personalized and cosmetic full dentures or partial dentures (including gold for all removable appliances) differing from standard full or partial dentures will be provided at additional fees determined by the dentist. Orthodontic Plan Limitations • Replacement of appliances due to theft, loss or breakage. • Re-treatment by an OraQuest dentist when the original treatment was done by a different OraQuest dentist or treatment in progress at inception of eligibility unless treatment is continued by an OraQuest dentist. • Failure to follow prescribed treatment or accidents occurring during the treatment. • If your coverage terminates, you will be responsible for payment of the balance due for treatment at the dentist’s normal fee. • Special requests by patients for braces differing from standard braces for cosmetic purposes will be provided at additional fees determined by the dentist.

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Ratesfortheselinesareloadedintheonlineenrollmentplatformandexplainedinmoredetailonthefollowingpages.EmployerPaidLifeInsuranceToensurethatyouhaveadequatecoverageforyourfamily’sfinancialneeds,___________________provides______________ofBasicLifeInsurancecoverageforalleligiblefull-timeemployees.VoluntaryGroupTermLife/AD&DVoluntaryGroupTermLifeInsuranceisalsoavailableforyou,yourspouse,andyourdependentchildrenthrough_________________.Asanemployee,youmaypurchaseTermLifeInsuranceforyourselfinbenefitamountsbetween$10,000and_____________,in$10,000increments.GuaranteedIssuedYoucanpurchaseupto______________withouthavingtoansweramedicalquestionnaire.Ifyouchoosenottoenrollwhenyouarefirstofferedtheopportunityandchoosetoenrollatalatertime,youwillhavetocompleteamedicalquestionnaireandaresubjecttothecarrier’sapproval/denial.     Ratesfortheseplansareloadedintheonlineenrollmentplatformandexplainedinmoredetailonthefollowingpages.AccidentInsuranceAccidentsareunexpected,asarethevariousexpenditures associated withthem.Whilemosthealthinsurancecoversmajorexpenses,itdoesnot covereveryrelatedcost.Youcouldface office visitcopays,deductibles,andtransportation/lodgingcosts – all costyou weren’t expecting. The AccidentInsurancegivesyoutheprotectionfortheunexpected.Theplanpaysyouabenefitthat can beappliedtoexpendituressurroundinganaccident,includingbutnotlimitedtoambulance,emergencyroom treatment,doctor’svisits,andsurgeryrelatedtotheaccident.Italsopaysbenefitsforcommonaccidentalinjuries,suchasburns,concussions,emergencydentalwork,dislocations,fractures,andmuchmore.Theamountofbenefityoureceive dependsonthenatureoftheinjuryorthetypeofserviceyoureceive. And thesebenefitsarepaidinadditiontoanymedicalinsuranceyoumighthave.ShortTerm DisabilityInsuranceHowdoyouseeyourselffiveyearsfromnow? Or ten?Chances are,you don’t seeyourself disabled. Butasurprisingnumberofpeopledofindthemselvesinjuredorsickandunabletowork – even if onlyforashorttime.Butwouldamonthseemlikeashorttimeifyouhadnoincome?Youremployeroffers plans thatwillhelpyoupayforyourhousehold expensesifyoubecome disabled andcannotwork.Theseplansmaybepurchasedwithout answeringhealthquestionsaslongasyouenrollwhenyouarefirsthired orthefirstyeartheplanisoffered.Enrollmentatanyothertimewill require medicalevidenceofinsurability.Robert M. Beren$15,000UNUM$150,000$70,000

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UnumLID(1)25(0/2((6Robert M Beren AcademyWho can get Term Life coverage?IDDYDDDDYYDIYou:DYDIDIDDHow does it work?YDIDIIDDIDDIDYIDDDD$DDDYDDDDDIIYYDDDYDDDDDDDIIDYDWhy Choose Unum?IIYDDWhat else is included?LLLWIDDDDDYDTIIDIDYDDIDIDDDDLPLPDDYIDDDIDIWLLWDDYDIDYDDI(PSORHHRUGHSHGHWRDYHDLFNHRULMUDYLDPDWHULDOHIIHFWROLIHHSHFWDFDWWHWLPHWHLUURSFRYHUDHHGDUHRWHOLLEOHIRUSRUWDELOLWLILLDDLDWho can get Term Life coverage?IDDYDDDDYYDIYou:DYDIDIDDWho can get Accidental Death & Dismemberment (AD&D) coverage?You:DYD$IDI1RPHGLFDOGHUULWLLUHTLUHGIRUFRYHUDH

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UnumLID(1)25(0/2((6Robert M Beren AcademyWho can get Term Life coverage?IRXDUDYODRUDODRXUSURXDDSSOIRURYUDIRU &RRIURRUXSRRXUDURXDXSR7DRXRIRYUDRXDTXDOIIRURGDOXGUUSXSRRIRYUDU6SRXRYUDDRGRIRYUDDRXRXSXUDIRURXUOIRXUSRXDXSRRGDOXGUUIOEOGODGIIYGDLXSRRIRYUDUIOEOGODGIIYGD2SRORYUDOORIRXUOGUXOUEUGD7DXEIIRUOGUOYEURRHow does it work?RXRRDRXRIRYUDDUIRURXDGRXSRYUDIRUDSURGRIRUUIRXGGXUDURDOSRXUIDOSDIRUEDOYSIDODUUDXRDGRU$XUDDORDYDODEOSDDEIIRXXUYYDDGEXDYUDURXMXUSDDDGGRDODRXIRXGIURDRYUGDGWhy is this coverage so valuable?IRXEXDXRIRIRYUDRRXDUDRXURYUDIXXUXSRRRXUURG7URXOGERGDOXGUURTXDOIIRURYUDWhat else is included?LYLLWIRXDUGDRGDUDOOOODRROYRXDUTXRIRXUOIXUDEIXSRORXDUOOOY7DRXOOEDRXRIGDEIDGDEDDEOELWSPWPYWWLSLWLLELLWLLWYPWELWWLWPWPEWE5SRXOGRXOUDDRURUDGYRUEIRUXOOYEISD:LYSPLPRXURDEDYGIRXDURDOOGDEOGIRUDSURGRI3WELLWRXDEDEORSRYUDIRXODYRSDUURUDXEURIRXURXRU(PSORHHRUGHSHGHWRDYHDLFNHRULMUDYLDPDWHULDOHIIHFWROLIHHSHFWDFDWWHWLPHWHLUURSFRYHUDHHGDUHRWHOLLEOHIRUSRUWDELOLWLIDLDDLDWho can get Term Life coverage?IRXDUDYODRUDODRXUSURXDDSSOIRURYUDIRU&RRIURRUXSRRXUDURXDXSR7DRXRIRYUDRXDTXDOIIRURGDOXGUUSXSRRIRYUDU6SRXRYUDDRGRIRYUDDRXRXSXUDIRURXUOIRXUSRXDXSRRGDOXGUUIOEOGODGIIYGDLXSRRIRYUDUIOEOGODGIIYGD2SRORYUDOORIRXUOGUXOUEUGD7DXEIIRUOGUOYEURRWho can get Accidental Death & Dismemberment (AD&D) coverage?XSRRI$RYUDIRURXUOIURDDXRIRXUDUSXSRRI$RYUDIRURXUSRXUIOEOGODGIIYGDLXSRRIRYUDIRURXUOGUUIOEOGODGIIYGD1RPHGLFDOGHUULWLLUHTLUHGIRUFRYHUDH

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UnumLID(1)25(0/2((6(URYUDDRXRXDYGEDRXR0XOSOEUD8UDDEODURIGUDEDGRD&RRHWHDHRLOOEHHRUFRYHUDHEHFRPHHIIHFWLYH6HHRUSODDGPLLWUDWRUIRURUSODHIIHFWLYHGDWH7RGHWHUPLHRUSRHUDWHFRRHWHDHWHHPSORHHLOOEHHFRYHUDHEHFRPHHIIHFWLYH6HHRUSODDGPLLWUDWRUIRURUSODHIIHFWLYHGDWH(URXUR%LOOHGDPRWPDYDUOLWOIRDSSOIRUFRYHUDHDERYHWHDUDWHHGLHDPRWRPDEHEMHFWWRPHGLFDOGHUULWLLFPDDIIHFWRUDELOLWWRHWWHODUHUFRYHUDHDPRWRUGHUWRSUFDHFRYHUDHIRURUGHSHGHWRPWEFRYHUDHIRURUHOI&RYHUDHDPRWFDRWHFHHGRIRUFRYHUDHDPRWWW1 2 3 4PS      S      L      WWSpouse monthly ratePer $1,000 of coverage&REmployee monthly rateAgePer $1,000 of coverage&R            How much coverage can I get?Child monthly rate$0.400 per $1,000 of coverage(U$RYUDDRXRXDYGEDRXR0XOSOEUD8$UDDEODURIGUD(URXURAD&D monthly ratesCoverage amount RatePS SURIRYUD S SURIRYUD L SURIRYUD AD&D1 2 3 4PS      S      L      WW

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LFHDUHRWYDOLGDIWHUFRYHUDHWHUPLDWHOHDHFRWDFWRU8PUHSUHHWDWLYHIRUGHWDLO8PFRPSOLHLWWDWHFLYLOLRDGGRPHWLFSDUWHUODHDSSOLFDEOH8GHUULWWHE8P/LIHUDFH&RPSDRIPHULFDRUWODG0DLHk8PURSOOULWUHHUYHG8PLDUHLWHUHGWUDGHPDUNDGPDUNHWLEUDGRI8PURSDGLWLULELGLDULH

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(1)2(032((Unum DDRobert M Beren AcademyHow does it work?IDFYUUMUNSIUUN6UUDUDFUSDFSDUIUFUFYU$DUDDFDUFYSDIUSNUUDFUDIUDSUDSDUIUMDUFIIUDDUWhy is this coverage so valuable?FDYUFFDSSDIUUUUUDUFUISFNFDSDUWhat else is included?DDEIDYDDUDFFUDIUDSUINUUUNIUI6UUDUDFSDDNIIDYDFYUDDNSIUUNConsider your expensesUtilities $Housing $Groceries $Transportation $Child care/Elder care $Medical/Personal care $Education $Insurance $DD

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(1)2(032((Unum DDCalculate your cost•)USEnter your rate from the Rate Chart, based on your age.DUFYUDFIIFY6USDDUDUIUUSDIIFYD(PD(UIDDSDUIUDIDFYUDDDFDUFYUDIUIDIUFDIUDDDUINFDUFYIUDDYDNIUDHow much coverage can I get?DUIUFYUDIDUDDFYS86DUNDIUSUNYUIUNFSDDIISUNNIDUFUIIUUFIFWDOLFORUIRUPRULIRUPDWLR%LOOGDPRWPDYDUOLWORUUDWLEDGRRUDDGLOOLFUDDRPRYWRWWDEDG7PDLPPFRYUGDDOLFRPLAge Rates15-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65+ D1Calculate your weekly disability benefit.   0DNIDYDDIDFSDDIUUDDDUUNDU0DIFFYU2Calculate your cost per paycheck.        UNIDUUD UFUDDF1UISDFFNSUDUUFSUSDFFN

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HUWLFHUWLILFDWH7+66/07((1()7632/7LLIRUPDWLRLRWLWHGHGWREHDFRPSOHWHGHFULSWLRRIWHLUDFHFRYHUDHDYDLODEOH7HSROLFRULWSURYLLRPDYDURUEHDYDLODEOHLRPHWDWH7HSROLFDHFOLRDGOLPLWDWLRLFPDDIIHFWDEHHILWSDDEOH)RUFRPSOHWHGHWDLORIFRYHUDHDGDYDLODELOLWSOHDHUHIHUWRFHUWLILFDWHIRUP*HWDODG**/*1+*2+DG*73ROLF)RUP*3HWDOLDOOWDWH*31+L1H+DPSLUHRUFRWDFWRUPUHSUHHWDWLYHPFRPSOLHLWWDWHFLYLOLRDGGRPHWLFSDUWHUODHDSSOLFDEOHGHUULWWHEPUDFHRPSD3RUWODG0DLHkP*URSOOULWUHHUYHGPLDUHLWHUHGWUDGHPDUNDGPDUNHWLEUDGRIP*URSDGLWLULELGLDULH

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Unum | Group Critical Illness Insurance EN-2050 FOR EMPLOYEES (8-23) Robert M Beren AcademyWhy should I buy coverage now? • It’s more accessible when you buy it through your employer and the premiums are conveniently deducted from your paycheck. • Coverage is portable. You may take the coverage with you if you leave the company or retire. You’ll be billed at home. Be Well BenefitEvery year, each family member who has Critical Illness coverage can also receive a payment for getting a covered Be Well Benefit screening test, such as:• Annual exams by a physician include sports physicals, well-child visits, dental and vision exams• Screenings for cancer, including pap smear, colonoscopy• Cardiovascular function screenings• Screenings for cholesterol and diabetes• Imaging studies, including chest X-ray, mammography• Immunizations including HPV, MMR, tetanus, influenzaWho can get coverage?You:Choose $15,000 or $30,000 of coverage with no medical underwriting to qualify if you apply during this enrollment.Your spouse:Spouses can only get 50% of the employee coverage amount as long as you have purchased coverage for yourself.Your children:Children from live birth to age 26 are automatically covered at no extra cost. Their coverage amount is 50% of yours. They are covered for all the same illnesses plus these specific childhood conditions: cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome and spina bifida. The diagnosis must occur after the child’s coverage effective date.Benefits may be subject to a pre-existing condition provisionHow does it work?If you’re diagnosed with an illness that is covered by this insurance, you can receive a lump sum benefit payment. You can use the money however you want.Why is this coverage so valuable? • The money can help you pay out-of-pocket medical expenses, like deductibles. • You can use this coverage more than once. Even after you receive a payout for one illness, you’re still covered for the remaining conditions and for the reoccurrence of any critical illness with the exception of skin cancer. The reoccurrence benefit can pay 100% of your coverage amount. Diagnoses must be at least 180 days apart or the conditions can’t be related to each other.What’s covered?Critical Illnesses• Heart attack• Stroke• Major organ failure• End-stage kidney failure• Coronary artery disease• Major (50%): • Coronary artery bypass graft• or valve replacement• Minor (10%): • Balloon angioplasty or • stent placementCancer conditions• Invasive cancer — all breast cancer is considered invasive• Non-invasive cancer (25%)• Skin cancer — $500Progressive diseases Supplemental conditions• Amyotrophic Lateral Sclerosis (ALS)• Dementia, including Alzheimer’s disease• Multiple Sclerosis (MS)• Parkinson’s disease• Functional loss• Loss of sight, hearing or speech• Benign brain tumor• Coma• Permanent Paralysis• Occupational HIV, Hepatitis B, C or DPaid at 25%• Infectious DiseasesPlease refer to the certificate for complete definitions of these covered conditions. Coverage may vary by state. See exclusions and limitations. Group Critical Illness Insurance

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Unum | Group Critical Illness Insurance EN-2050 FOR EMPLOYEES (8-23) Your paycheck deduction will include the cost of coverage and the Be Well Benefit. Actual billed amounts may vary.Exclusions and limitationsWe will not pay benefits for a claim that is caused by, contributed to by, or occurs as a result of any of the following: • committing or attempting to commit a felony; being engaged in an illegal occupation or activity; injuring oneself intentionally or attempting or committing suicide, whether sane or not; active participation in a riot, insurrection, or terrorist activity. This does not include civil commotion or disorder, injury as an innocent bystander, or injury for self-defense; participating in war or any act of war, whether declared or undeclared; combat or training for combat while serving in the armed forces of any nation or authority, including the National Guard, or similar government organizations; voluntary use of or treatment for voluntary use of any prescription or non-prescription drug, alcohol, poison, fume, or other chemical substance unless taken as prescribed or directed by the Insured’s Physician; being intoxicated; and a Date of Diagnosis that occurs while an Insured is legally incarcerated in a penal or correctional institution.Additionally, no benefits will be paid for a Date of Diagnosis that occurs prior to the Coverage Effective Date.Pre-existing conditionsWe will not pay benefits for a claim when the Covered Loss occurs in the first 12 months following an Insured’s Coverage Effective Date and the Covered Loss is caused by, contributed to by or occurs as the result of any of the following:• a Pre-existing Condition; or• complications arising from treatment or surgery for, or medications taken for, a Pre-existing Condition.An Insured has a Pre-existing Condition if, within the 12 months just prior to their Coverage Effective Date, they have an injury or sickness, whether diagnosed or not, for which:• medical treatment, consultation, care or services, or diagnostic measures were received or recommended to be received during that period;• drugs or medications were taken, or prescribed to be taken during that period; or• symptoms existed. The Pre-existing Condition provision applies to any Insured’s initial coverage and any increases in coverage. Coverage Effective Date refers to the date any initial coverage or increases in coverage become effective.Pre-existing Condition requirements are not applicable to children who are newly acquired after your Coverage Effective Date.Date of diagnosis must be after the coverage effective date.End of employee coverageIf you choose to cancel your coverage your coverage ends on the first of the month following the date you provide notification to your employer. Otherwise, your coverage ends on the earliest of the: date this policy is canceled by Unum or your employer; date you are no longer in an eligible group; date your eligible group is no longer covered; date of your death; last day of the period any required premium contributions are made; or last day you are in active employment. However, as long as premium is paid as required, coverage will continue in accordance with the Continuation of your Coverage during Absences provision or if you elect to continue coverage for you, your Spouse, and Children under Portability of Critical Illness Insurance.Unum will provide coverage for a payable claim that occurs while you are covered under this certificate.Unum complies with applicable civil union and domestic partner laws.THIS INSURANCE PROVIDES LIMITED BENEFITSThis 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 policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Certificate Form GCIC16-1 and Policy Form GCIP16-1 or contact your Unum representative.Underwritten by: Unum Insurance Company, Portland, Maine© 2023 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.

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Unum | Long Term Disability Insurance EN-1978 FOR EMPLOYEES (3-22) Exclusions and limitationsActive employeeYou are considered in active employment, if on the day you apply for coverage, you are being paid regularly by your employer for the required minimum hours each week and you are performing the material and substantial duties of your regular occupation.Delayed effective date of coverageInsurance coverage will be delayed if you are not an active employee because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.Benefit duration (BD)The duration of your benefit payments is based on your age when your disability occurs. Your Long Term Disability benefits are payable while you continue to meet the definition of disability. Please refer to your plan document for the duration of benefits under this policy.Definition of disabilityYou are considered disabled when Unum determines that:• You are limited from performing the material and substantial duties of your regular occupation due to sickness or injury; and• You have a 20% or more loss of indexed monthly earnings due to the same sickness or injuryAfter 24 months, you are considered disabled when Unum determines that due to the same sickness or injury, you are unable to perform the duties of any gainful occupation for which you are reasonably fitted by education, training or experience.You must be under the regular care of a physician in order to be considered disabled.The loss of a professional or occupational license or certification does not, in itself, constitute disability.“Substantial and material acts” means the important tasks, functions and operations that are generally required by employers from those engaged in your usual occupation and that cannot be reasonably omitted or modified.Unless the policy specifies otherwise, as part of the disability claims evaluation process, Unum will evaluate your occupation based on how it is normally performed in the national economy, not how work is performed for a specific employer, at a specific location or in a specific region.Deductible sources of incomeYour disability benefit may be reduced by deductible sources of income and any earnings you have while you are disabled, including such items as group disability benefits or other amounts you receive or are entitled to receive:• Workers’ compensation or similar occupational benefit laws, including a temporary disability benefit under a workers’ compensation law• State compulsory benefit laws• Automobile liability insurance policy• No fault motor vehicle plan• Third-party settlements• Other group insurance plans• A group plan sponsored by your employer• Governmental retirement system• Salary continuation or sick leave plans, if applicable• Retirement payments• Social Security or similar governmental programsExclusions and limitationsBenefits will not be paid for disabilities caused by, contributed to by, or resulting from:• Intentionally self-inflicted injuries;• Active participation in a riot;• War, declared or undeclared or any act of war;• Commission of a crime for which you have been convicted;• Loss of professional license, occupational license or certification;The loss of a professional or occupational license does not, in itself, constitute disability.Unum will not pay a benefit for any period of disability during which you are incarcerated.The lifetime cumulative maximum benefit for all disabilities due to mental illness is 24 months. Disabilities based primarily on self-reported symptoms are limited to 24 months. Only 24 months of benefits will be paid for any combination of such disabilities even if the disabilities are not continuous and/or are not related. Payments can continue beyond 24 months only if you are confined to a hospital or institution as a result of the disability.Termination of coverageYour coverage under the policy ends on the earliest of the following:• The date the policy or plan is cancelled• The date you no longer are in an eligible group• The date your eligible group is no longer covered• The last day of the period for which you made any required contributions• The last day you are in active employment except as provided under the covered layoff or leave of absence provision.Unum will provide coverage for a payable claim that occurs while you are covered under the policy or plan.Unum’s LTD contracts standardly include a provision called the Social Security Claimant Advocacy Program. With this feature, claimants can receive expert advice and assistance from us regarding their Social Security Disability claim during the application and appeal process. Social Security advocacy services are provided by GENEX Services, LLC or Brown & Brown Absence Services Group. Referral to one of our advocacy partners is determined by Unum.Worldwide emergency travel assistance services are provided by Assist America, Inc. Work-life balance employee assistance program services are provided by HealthAdvocate. Services are available with select Unum insurance offerings. Terms and availability of service are subject to change and prior notification requirements. Service providers do not provide legal advice; please consult your attorney for guidance. Services are not valid after coverage terminates. Please contact your Unum representative for details.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. For complete details of coverage and availability, please refer to Policy Form C.FP-1 et al. or contact your Unum representative.Underwritten by:Unum Life Insurance Company of America, Portland, Maine© 2022 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.

2024 Robert M Beren Academy Benefit Guide

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