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Benefit Booklet 2024

Colonial Life provides benefits that employees want for the unexpected moments in life Whether planning for retirement growing their families or saving for college they know an injury or illness won t derail their dreams For more information Shelley Hartsell 704 883 4838 Shelley Hartsell ColonialLifeSales com Life is anything but expected That s why we re here Plan options Accident insurance Helps offset unexpected medical expenses such as emergency room fees deductibles and co payments that can result from a fracture dislocation or other covered accidental injury Hospital insurance Provides a lump sum benefit for a covered hospital confinement or outpatient surgery to help with co payments and deductibles that are not covered by most major medical plans Critical illness Cancer Supplements your major medical coverage by providing a lumpsum benefit you can use to pay the direct and indirect costs related to a covered critical illness and cancer Short Term Long Term Disability Provides financial protection to cover income loss from a covered disability Life insurance Enables you to tailor coverage for your individual needs and helps provide financial security for your family members

Accident 1.0 -Preferred with Health Screening BenetAccidents happen in places where you and your family spend the most time – at work, in the home and on the playground – and they’re unexpected. How you care for them shouldn’t be. In your lifetime, which of these accidental injuries have happened to you or someone you know?l Sports-related accidental injuryl Broken bonel Burnl Concussionl Lacerationl Back or knee injuriesColonial Life’s Accident Insurance is designed to help you ll some of the gaps caused by increasing deductibles, co-payments and out-of-pocket costs related to an accidental injury. The benet to you is that you may not need to use your savings or secure a loan to pay expenses. Plus you’ll feel better knowing you can have greater nancial security.l Car accidentsl Falls & spillsl Dislocationl Accidental injuries that send you to the Emergency Room, Urgent Care or doctor’s oceWhat additional features are included?l Worldwide coveragel Portablel Compliant with Healthcare Spending Account (HSA) guidelinesWill my accident claim payment be reduced if I have other insurance?You’re paid regardless of any other insurance you may have with other insurance companies, and the benets are paid directly to you (unless you specify otherwise).What if I change employers?If you change jobs or leave your employer, you can take your coverage with you at no additional cost. Your coverage is guaranteed renewable as long as you pay your premiums when they are due or within the grace period. Can my premium change?Colonial Life can change your premium only if we change it on all policies of this kind in the state where your policy was issued. How do I le a claim?Visit coloniallife.com or call our Customer Service Department at 1.800.325.4368 for additional information.Accident Insurance

Your Colonial Life policy also provides benets for the following injuries received as a result of a covered accident.l Burn (based on size and degree) ....................................................................................$1,000 to $12,000l Coma .............................................................................................................................................................$10,000l Concussion .......................................................................................................................................................$150l Emergency Dental Work .......................................$75 Extraction, $300 Crown, Implant, or Denturel Lacerations (based on size) ........................................................................................................... $50 to $800Requires Surgeryl Eye Injury ...........................................................................................................................................................$300l Tendon/Ligament/Rotator Cu .......................................................... $500 - one, $1,000 - two or morel Ruptured Disc ..................................................................................................................................................$500l Torn Knee Cartilage .......................................................................................................................................$500Surgical Carel Surgery (cranial, open abdominal or thoracic) ................................................................................$1,500l Surgery (hernia) ..............................................................................................................................................$150l Surgery (arthroscopic or exploratory) ....................................................................................................$250l Blood/Plasma/Platelets ................................................................................................................................$300Benets listed are for each covered person per covered accident unless otherwise specied.Initial Carel Accident Emergency Treatment........... $150 l Ambulance .......................................$400l X-ray Benet ...................................................$50 l Air Ambulance ............................. $2,000Common Accidental InjuriesDislocations (Separated Joint) Non-Surgical SurgicalHip $6,600 $13,200 Knee (except patella) $3,300 $6,600 Ankle – Bone or Bones of the Foot (other than Toes) $2,640 $5,280 Collarbone (Sternoclavicular) $1,650 $3,300 Lower Jaw, Shoulder, Elbow, Wrist $990 $1,980 Bone or Bones of the Hand $990 $1,980 Collarbone (Acromioclavicular and Separation) $330 $660 One Toe or Finger $330 $660 Fractures Non-Surgical Surgical Depressed Skull $5,500 $11,000 Non-Depressed Skull $2,200 $4,400 Hip, Thigh $3,300 $6,600 Body of Vertebrae, Pelvis, Leg $1,650 $3,300 Bones of Face or Nose (except mandible or maxilla) $770 $1,540 Upper Jaw, Maxilla $770 $1,540 Upper Arm between Elbow and Shoulder $770 $1,540 Lower Jaw, Mandible, Kneecap, Ankle, Foot $660 $1,320 Shoulder Blade, Collarbone, Vertebral Process $660 $1,320 Forearm, Wrist, Hand $660 $1,320 Rib $550 $1,100 Coccyx $440 $880 Finger, Toe $220 $440

Transportation/Lodging AssistanceIf injured, covered person must travel more than 50 miles from residence to receive special treatment and connement in a hospital.l Transportation ............................................................................. $500 per round trip up to 3 round tripsl Lodging (family member or companion) ............................................... $125 per night up to 30 days for a hotel/motel lodging costsAccident Hospital Carel Hospital Admission* ........................................................................................................$1,500 per accidentl. Hospital ICU Admission* ................................................................................................$3,000 per accident* We will pay either the Hospital Admission or Hospital Intensive Care Unit (ICU) Admission, but not both.l Hospital Connement .........................................................$250 per day up to 365 days per accidentl Hospital ICU Connement ...................................................$500 per day up to 15 days per accidentAccident Follow-Up Carel Accident Follow-Up Doctor Visit ..........................................................$50 (up to 3 visits per accident)l Medical Imaging Study ......................................................................................................$250 per accident (limit 1 per covered accident and 1 per calendar year)l Occupational or Physical Therapy ..................................................... $35 per treatment up to 10 daysl Appliances ..........................................................................................$125 (such as wheelchair, crutches)l Prosthetic Devices/Articial Limb ....................................................$500 - one, $1,000 - more than 1l Rehabilitation Unit .................................................$100 per day up to 15 days per covered accident, and 30 days per calendar year. Maximum of 30 days per calendar yearAccidental Dismembermentl Loss of Finger/Toe .................................................................................$750 – one, $1,500 – two or morel Loss or Loss of Use of Hand/Foot/Sight of Eye .....................$7,500 – one, $15,000 – two or moreCatastrophic AccidentFor severe injuries that result in the total and irrecoverable:l Loss of one hand and one foot l Loss of the sight of both eyesl Loss of both hands or both feet l Loss of the hearing of both earsl Loss or loss of use of one arm and one leg or l Loss of the ability to speakl Loss or loss of use of both arms or both legs Named Insured ................ $25,000 Spouse ..............$25,000 Child(ren) ......... $12,500365-day elimination period. Amounts reduced for covered persons age 65 and over. Payable once per lifetime for each covered person. Accidental DeathAccidental Death Common Carrierl Named Insured $25,000 $100,000l Spouse $25,000 $100,000l Child(ren) $5,000 $20,000

EXCLUSIONS We will not pay benets for losses that are caused by or are the result of: hazardous avocations; felonies or illegal occupations; racing; semi-professional or professional sports; sickness; suicide or self-inicted injuries; war or armed conict; in addition to the exclusions listed above, we also will not pay the Catastrophic Accident benet for injuries that are caused by or are the result of: birth; intoxication.For cost and complete details, see your Colonial Life benets counselor. Applicable to policy form Accident 1.0-HS-NC. This is not an insurance contract and only the actual policy provisions will control. Colonial Life 1200 Colonial Life BoulevardColumbia, South Carolina 29210coloniallife.com71740-NC©2014 Colonial Life & Accident Insurance Company | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. 6-14Health Screening Benet l $50 per covered person per calendar yearProvides a benet if the covered person has one of the health screening tests performed. This benet is payable once per calendar year per person and is subject to a 30-day waiting period.Tests include:l. Blood test for triglyceridesl. Bone marrow testingl. Breast ultrasoundl. CA 15-3 (blood test for breast cancer) l. CA125 (blood test for ovarian cancer) l. Carotid doppler l. CEA (blood test for colon cancer) l. Chest x-ray l. Colonoscopy l. Echocardiogram (ECHO) l. Electrocardiogram (EKG, ECG) l. Fasting blood glucose test l. Flexible sigmoidoscopy l. Hemoccult stool analysisl. Mammographyl. Pap smearl. PSA (blood test for prostate cancer)l. Serum cholesterol test to determine level of HDL and LDL l. Serum protein electrophoresis (blood test for myeloma) l. Stress test on a bicycle or treadmill l. Skin cancer biopsy l. Thermography l. ThinPrep pap test l. Virtual colonoscopy Accident 1.0 -Preferred with Health Screening BenetMy Coverage Worksheet (For use with your Colonial Life benets counselor) Who will be covered? (check one) Employee Only Spouse Only One Child Only Employee & Spouse One-Parent Family, with Employee One-Parent Family, with Spouse Two-Parent FamilyWhen are covered accident benets available? (check one) On and O -Job Benets O -Job Only Benets

For more information talk with your benefits counselor ColonialLife com Group Hospital Indemnity Insurance Plan 1 HSA Compliant 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 __2_0__0__0________ 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 Health savings account HSA compatible This plan is compatible with HSA guidelines and any other HSA plan that a covered family member may participate in It may also be offered to employees who do not have HSAs Colonial Life Accident Insurance Company s Group Medical Bridge offers an HSA compatible plan in most states PA Hospital Confinement Admission benefit replaces the Hospital Confinement benefit THIS INSURANCE PROVIDES LIMITED BENEFITS This insurance 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 any benefits for injuries received in accidents or for sicknesses which are caused by contributed to by 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 or h war We will not pay benefits for hospital confinement i due to giving birth within the first nine months after the effective date of the policy or j for a newborn who is neither injured nor sick k The policy may have additional exclusions and limitations which may affect any benefits payable PRE EXISTING CONDITION 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 and Specified Critical Illness 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 formGMB7000 P and certificate form GMB7000 C including state abbreviations where applicable such as policy forms GMB7000 P AU TX and GMB7000 P EE TX and certificate forms GMB7000 C 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 This form is not complete without form 101733 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 GMB7000 PLAN 1 1 24 101917 3

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 Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company GMB7000 EXCLUSIONS AND LIMITATIONS 12 23 101733 6

Disability Insurance How you can protect your income If you become disabled you could be out of work for a while Without your income how would you pay for your everyday living expenses Fortunately Colonial Life offers financial protection options that can help you What can cause a disability Many accidents or sicknesses can lead to short term disability claims including pregnancy and childbirth injuries from a major accident including dislocations sprains and fractures back problems side effects from medicines or medical procedures and some mental illnesses Regardless of your age or health a disabling sickness or accidental injuries could keep you out of work for weeks or even months How reliable is your safety net While many people with disabilities look to workers compensation or Social Security Disability Insurance SSDI for help these resources aren t always reliable In fact 68 of workers who apply for SSDI are denied 1 Even if these resources can help they might not be enough to meet your financial obligations How to help yourself You can be better prepared to preserve your way of life with short term disability insurance Disability insurance features Benefits payable directly to you in regular payments if you can t work because of a covered accident or sickness injury or illness Disability benefits may be available if you return to work part time In most cases you can keep your coverage even if you change jobs as long as you pay your premiums when due Your Colonial Life benefits counselor can help you determine the amount of coverage that s right for you Nearly 70 of Americans worry about having enough emergency savings to cover a month s worth of living expenses 2 25 of 20 year olds can expect to be out of work for at least a year for a disabling condition before they retire 3 DISABILITY INSURANCE

Disability Insurance Worksheet You can tailor disability coverage to fit your specific needs Talk with your benefits counselor about your expenses and other paid leave benefits such as state paid medical leave to help determine the coverage that s right for you 4 MONTHLY EXPENSES Rent or mortgage insurance minor home repairs Transportation car note bus fare insurance gas maintenance Utilities cell phone Wi Fi electricity gas water Food and household necessities toiletries cleaning supplies Childcare daycare after school care Health medical needs and prescription drugs Other gym fitness streaming cable extracurricular Total monthly expenses add lines 1 7 together ROUND TO THE NEAREST HUNDRED Your state s paid medical leave approximate benefits if any Monthly benefit _____________ Benefit period up to _____________ Talk with your Colonial Life benefits counselor to learn more about disability insurance ColonialLife com 1 Social Security Administration SSI Annual Statistical Report 2021 2 Bankrate Bankrate s 2023 annual emergency savings report 2023 3 Social Security Administration Disability and Death Probability Tables for Insured Workers 2022 4 State paid medical leave PML benefits fall under state specific program names For example in New Jersey it may be referred to as Temporary Disability Insurance TDI Not available in all states 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 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 forms ISTD3000 and rider form ISTD3000 ADIB including state abbreviations where used for example ISTD3000 TX and ISTD3000 ADIB TX policy form DIS1000 including state abbreviations where used for example DIS1000 TX policy form ED DIS 1 0 including state abbreviations where used for example ED DIS 1 0 TX policy form ICC21 DIP3000 and rider form ICC21 DIP3000 R DIS policy form GDIS P and certificate form GDIS C including state abbreviations where used for example GDIS P EE TX and GDIS C EE TX and policy form VSTDMP and certificate form VSTDC including state abbreviations where used for example VSTDMP TX and VSTDC TX Not applicable in Oregon for policy form ICC21 DIP3000 and rider form ICC21 DIP3000 R DIS 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 2023 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 6 23 101165 10

Coverage options that meet your needsEmployer- and employee-paid benefit options are available to meet both your business needs while providing financial protection for your employees. Short Term Disability includes:1. An employer-paid benet providing 60% of weekly earnings up to $1,000 per week. 2. A 14-day elimination period for sickness or injury.3. Benet duration options that dovetail with Long Term Disability.Long Term Disability includes:1. Employer- or employee-paid benet options.2. After a 90- or 180-day elimination period, this plan provides a benet of 60% of monthly earning up to $6,000 per month.3. Employees can qualify for coverage with no medical underwriting if they enroll when rst eligible; see the policy for pre-existing condition exclusions.**LTD features that add value Work-life balance employee assistance programOnline resources, 24-hour, toll-free access to master’s-level consultants for confidential*** advice on everyday issues as well as more serious ones.Worldwide emergency travel assistance programThis service provides your employees and their families with emergency medical assistance with one phone call anytime while you are in another country, or in the United States traveling 100 miles or more away from home.Survivor benefitUnum will pay your employees’ eligible survivor a lump-sum benefit equal to three months of your gross disability payment. It will be paid if, on the date of their death, their disability had continued for 180 or more consecutive days, and they were receiving or were entitled to receive payments under the plan.Accelerated (early) survivor benefitUnum added an Accelerated Survivor Benefit as a standard feature for all LTD plans that have a Residual definition of disability. With this benefit, insureds can elect to receive the standard 3-month Survivor Benefit if: they have been diagnosed with a terminal illness or condition; their life expectancy has been reduced to less than 12 months; and they are receiving monthly payments.****Rehabilitation and return-to-work assistanceIf your employees are deemed eligible and are participating in the program, Unum will pay an additional benefit of 10% of their gross disability payment to a maximum of $1,000 per month.* Up to the maximum allowed by their plan.** Benets may be subject to a pre-existing condition.*** 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.**** When an Accelerated Survivor Benet is paid, the 3-month Survivor Benet will not be paid to the survivor upon the insured’s death.The Work-Life balance employee assistance program services are provided by HealthAdvocate. Worldwide emergency travel assistance services are provided by Assist America, Services are available with select Unum insurance oerings. Terms and availability of service are subject to change and prior notication requirements. Service provider does not provide legal advice; please consult your attorney for guidance. Services are not valid after coverage terminates. Please contact your Unum representative for details.Underwritten by: Unum Life Insurance Company of America, Portland, Maine The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may aect any benets payable. See the actual policy or your Unum representative for specic provisions and details of availability.© 2022 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. MK-575483-1 FOR EMPLOYERS (12-22)unum.com

Unum | Long Term Disability Insurance EN-1978 FOR EMPLOYEES (3-22) Background Investigation Bureau, LLCHow does it work?This coverage provides a monthly benefit if you have a covered illness or injury and you can’t work for a few months — or even longer.You’re generally considered disabled if you’re unable to do important parts of your job — and your income suffers as a result. Why is this coverage so valuable?You can use the money however you choose. It can help you pay for your rent or mortgage, groceries, out-of-pocket medical expenses and more.Long Term Disability InsuranceConsider your expensesUtilities $Housing $Groceries $Transportation $Child care/Elder care $Medical/Personal care $Education $Insurance $Long Term Disability Insurance can replace part of your income if a disability keeps you out of work for a long period of timeWhat else is included?Survivor Benefit If you die while you’ve been disabled and receiving benefits for at least 180 days, your family could get a benefit equal to 3 months of your gross disability payment.Waiver of premiumIf you’re disabled and receiving benefit payments, Unum waives your cost until you return to work.Work-life balance Employee Assistance Program Get access to professional help for a range of personal and work-related issues, including counselor referrals, financial planning and legal support.Worldwide emergency travel assistance One phone call gets you and your family immediate help anywhere in the world, as long as you’re traveling 100 or more miles from home. However, a spouse traveling on business for his or her employer is not covered.

Unum | Long Term Disability Insurance EN-1978 FOR EMPLOYEES (3-22) Billed amount may vary slightly. Your rate is based on your age and will increase as you move to the next age band. If you didn’t get coverage when you were first eligible, you’ll have to answer health questions now. If you‘re newly eligible, you may not have to answer health questions. If you already have coverage, you can increase it up to the maximum available. You may have to answer health questions. New coverage may be subject to pre-existing condition limitations.Elimination period (EP)Your elimination period is 90 days. This is the number of days that must pass after a covered accident or illness before you can begin to receive benefits.Benefit duration (BD)This is the maximum length of time you can receive benefits while you’re disabled. You can receive benefits up to the Social Security (SS) normal retirement age. If you become disabled after your normal retirement age, check with your employer for the maximum length of time applicable to you.How much coverage can I get?You*You are eligible for coverage if you are an active employee in the United States working a minimum of 30 hours per week. Cover 60% of your monthly income, up to a maximum payment of $6,000. The monthly benefit may be reduced or offset by other sources of income. *See the Legal Disclosures for more information.This plan does not cover pre-existing conditions. See the disclosure section to learn more.Calculate your cost • Use $120,000 if your annual earnings exceed this amount. This is the maximum coverage amount offered in this plan. • Multiply by your rate.Use the rate table to find the rate based on your age.(Choose the age you will be when your coverage becomes effective on 08/01/2024.)Age Rates15-24$0.13025-29$0.20030-34$0.34035-39$0.55040-44$0.86045-49$1.14050-54$1.48055-59$1.81060-64$1.79065-69$1.43070+$1.170Disability worksheet1Enter your annual earnings and calculate your maximum monthly benefit available.$________ ÷ 12 = $_______ x 60% = $__________Your annual earningsYour monthly earnings(Max % of income covered) Max monthly benefit available 2Calculate your cost per paycheck $_______ ÷ 100 = $_______ x $_____ = $_______ ÷ 12 = $__________Your annual earningsRate Number of paychecks per yearTotal cost per paycheck

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.Pre-existing conditionsYou have a pre-existing condition if:• You received medical treatment, consultation, care or services including diagnostic measures for the condition, or took prescribed drugs or medicines for it in the 3 months just prior to your effective date of coverage; and• The disability begins in the first 12 months after your effective date of coverage.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• 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; or• Pre-existing conditions (See the disclosure section to learn more).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.

Specified Critical Illness Insurance For more information talk with your benefits counselor ColonialLife com If you re diagnosed with a covered critical illness or cancer specified critical illness insurance from Colonial Life can help with your expenses so you can concentrate on what s most important your treatment care and recovery Face amount __1_0_K__ _7_5_K______ Critical illness benefit For the diagnosis of this covered critical illness condition 1 Cancer Heart attack myocardial infarction Stroke End stage renal kidney failure Major organ failure Permanent paralysis due to a covered accident Coma Blindness Occupational infectious HIV or occupational infectious hepatitis B C or D Coronary artery bypass graft surgery disease2 Carcinoma in situ This percentage of the face amount is payable 100 100 100 100 100 100 100 100 100 25 25 The maximum benefit amount for this policy is 3x the face amount for the named insured for all covered persons combined The policy will terminate when the maximum benefit amount for specified critical illness has been paid Subsequent diagnosis of a different critical illness3 If you receive a benefit for a specified critical illness and later you are diagnosed with a different specified critical illness the original percentage of the face amount is payable for that particular specified critical illness Subsequent diagnosis of the same critical illness3 If you receive a benefit for a specified critical illness and later you are diagnosed with the same specified critical illness 25 of the original face amount is payable Critical illness conditions that do not qualify are cancer coronary artery bypass graft surgery disease 2 carcinoma in situ and occupational infectious HIV or occupational infectious hepatitis B C or D CRITICAL ILLNESS 1 0 WITH CANCER AND SUBSEQUENT DIAGNOSIS

Cancer vaccine benefit 50 This benefit is payable if you or your covered family members incur a charge for any FDA approved cancer vaccine while your policy is inforce ColonialLife com 1 Please refer to the policy for complete definitions of covered conditions 2 Benefit for coronary artery disease applicable in lieu of benefit for coronary artery bypass graft surgery when health savings account HSA compliant plan is selected 3 Dates of diagnoses of a covered specified critical illness must be separated by at least 180 days THIS POLICY PROVIDES LIMITED BENEFITS EXCLUSIONS AND LIMITATIONS FOR SPECIFIED CRITICAL ILLNESS We will not pay benefits for a specified critical illness that occurs as a result of a covered person s alcoholism or drug addiction felonies or illegal occupations intoxicants and narcotics pre existing condition psychiatric or psychological condition suicide or self inflicted injuries or war or armed conflict This is not an insurance contract and only the actual policy provisions will control Applicable to policy form CI 1 0 CI 1 0 PL7 CI 1 0 PL8 or CI 1 0 PL10 including state abbreviations where used for example CI 1 0 TX The policy or its provisions may vary or be unavailable in some states Please see your Colonial Life benefits counselor for details 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 4 19 101825 1

In the U S medical spending in the last 12 months of life is nearly 80 000 per person HealthAffairs org End Of Life Medical Spending In Last Twelve Months Of Life Is Lower Than Previously Reported July 2017 Your cost will vary based on the level of coverage you select Talk with your benefits counselor for information about what level of coverage would work best for you Whole Life Insurance You can t predict your family s future but you can be prepared for it You like to think that you ll be there for your family in the years to come But if something happened to you would your family have the income they need It s not easy to think about such serious circumstances but it s important to make sure your family is financially protected You can gain peace of mind with whole life insurance from Colonial Life Advantages of whole life insurance Permanent coverage that stays the same throughout the life of the policy Guaranteed level premiums that do not increase because of changes in health or age Access to the policy s cash value through a policy loan for emergencies1 Benefit for the beneficiary that is typically tax free Benefits and features Two plan options to choose what age your premium payments will end Paid Up at Age 70 or Paid Up at Age 100 Stand alone spouse policy available whether or not you buy a policy for yourself Flexibility to keep the policy if you change jobs or retire 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 illness2 Immediate 3 000 claim payment that can help your designated beneficiary pay for funeral costs or other expenses Pays cash surrender value at age 100 when the policy endows WHOLE LIFE IWL5000

Term Life Insurance Peace of mind for you and your loved ones You want what s best for your family and that includes making sure they re prepared for the future With term life insurance from Colonial Life Accident Insurance Company you can provide financial security to help them cover their ongoing living expenses Advantages of term life insurance Lower cost when compared to cash value life insurance Same benefit payout throughout the duration of the policy Several term period options for flexibility during high need years 44 of Americans say their household would face financial hardship within six months should a wage earner die unexpectedly LIMRA 2022 Life Insurance Barometer Study Benefit for the beneficiary that is typically tax free Benefits and features Stand alone spouse policy available whether or not you buy a policy for yourself GA P Guaranteed premiums that do not increase during the selected term Ability to convert all or a portion of the benefit amount into cash value life insurance Flexibility to keep the policy if you change jobs or retire 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 Premium savings for face amounts over 250 000 based on your health 54 of Americans have life insurance coverage with an average coverage gap of 200 000 LIMRA 2021 Industry Associations Unite to Help Address the Life Insurance Coverage Gap in the United States TERM LIFE ITL5000

OTHER WAYS TO FILE A CLAIM:Fax: 1.800.880.9325Mail: P.O. Box 100195, Columbia, SC 29202Colonial Life is committed to providing you, our valued customer, a market-leading claims experience. We look forward to serving you on ColonialLife.com. Here you’ll find a copy of your policy to see what’s covered and benefit amountsLog in anytime to view status; or opt in to receive status alerts by email or text so you know instantly if we require additional informationOn thepolicyholderportal you can:View benefit details Track your claim Sign up for direct deposit to get approved payments up to a week faster than paper check!Colonial Life insurance 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.How to File a Claim for Colonial Life BenefitsDIGITALLY FILE ALL TYPES OF CLAIMSDisabilityInsurance Critical Illness & CancerInsurance Accident &Hospital Insurance LifeInsurance Wellnessbenefits forscreening tests Not sure which type of claim to file? No problem. Just answer a few questions on the portal and we’ll help you figure everything out.BEFORE YOU FILE:Review the appropriate claims checklist at ColonialLife.com and have this information handy to make the process go smoothly. Proper documentation must be submitted when filing your claim.AFTER YOU FILE:Check your claim status and manage your claim by logging into your account at ColonialLife.com/access. Live chat is also available 9 a.m. - 5 p.m. EST.FOR FASTEST RESULTS, FILE ONLINE:Go to ColonialLife.com/access to login or registerFill out the required information and click Submit.Enjoy streamlined claims management and faster service online.123ADR-1312251

Deductions per year: 24 These rates were prepared on 7/8/2024 based off of 42 eligible lives and are valid for 90 days.Accident 1.0 for NCApplicable to policy forms ACCIDENT 1.0-HS and ACCIDENT1.0-NSlOn/Off-Job Accident CoverageISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILYPreferred with health screening 17-80 $10.58 $14.49 $16.34 $20.24Critical Illness 1.0 for NCApplicable to policy form CI-1.0lHSA Compliant, with Subsequent Diagnosis Coverage, Health Screening Benefit, Cancer BenefitNon-Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 17-24 $3.13 $4.75 $3.93 $5.6025-29 $4.18 $6.40 $4.98 $7.2030-34 $5.33 $8.15 $6.13 $9.0035-39 $7.08 $10.90 $7.93 $11.7040-44 $8.53 $13.10 $9.33 $13.9045-49 $11.23 $17.20 $12.03 $18.0550-54 $15.73 $24.15 $16.58 $25.0055-59 $19.48 $29.95 $20.33 $30.8060-64 $25.98 $39.95 $26.83 $40.7565-70 $30.93 $47.50 $31.78 $48.40$20,000 17-24 $5.18 $7.85 $6.78 $9.5525-29 $7.28 $11.15 $8.88 $12.7530-34 $9.58 $14.65 $11.18 $16.3535-39 $13.08 $20.15 $14.78 $21.7540-44 $15.98 $24.55 $17.58 $26.1545-49 $21.38 $32.75 $22.98 $34.4550-54 $30.38 $46.65 $32.08 $48.3555-59 $37.88 $58.25 $39.58 $59.9560-64 $50.88 $78.25 $52.58 $79.8565-70 $60.78 $93.35 $62.48 $95.15$30,000 17-24 $7.23 $10.95 $9.63 $13.5025-29 $10.38 $15.90 $12.78 $18.3030-34 $13.83 $21.15 $16.23 $23.7035-39 $19.08 $29.40 $21.63 $31.8040-44 $23.43 $36.00 $25.83 $38.4045-49 $31.53 $48.30 $33.93 $50.8550-54 $45.03 $69.15 $47.58 $71.7055-59 $56.28 $86.55 $58.83 $89.1060-64 $75.78 $116.55 $78.33 $118.9565-70 $90.63 $139.20 $93.18 $141.90BchexPage 1 of 4Underwritten by Colonial Life & Accident Insurance CompanySee page 4 for Important Notice

Critical Illness 1.0 for NCApplicable to policy form CI-1.0lHSA Compliant, with Subsequent Diagnosis Coverage, Health Screening Benefit, Cancer BenefitNon-Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$40,000 17-24 $9.28 $14.05 $12.48 $17.4525-29 $13.48 $20.65 $16.68 $23.8530-34 $18.08 $27.65 $21.28 $31.0535-39 $25.08 $38.65 $28.48 $41.8540-44 $30.88 $47.45 $34.08 $50.6545-49 $41.68 $63.85 $44.88 $67.2550-54 $59.68 $91.65 $63.08 $95.0555-59 $74.68 $114.85 $78.08 $118.2560-64 $100.68 $154.85 $104.08 $158.0565-70 $120.48 $185.05 $123.88 $188.65$50,000 17-24 $11.33 $17.15 $15.33 $21.4025-29 $16.58 $25.40 $20.58 $29.4030-34 $22.33 $34.15 $26.33 $38.4035-39 $31.08 $47.90 $35.33 $51.9040-44 $38.33 $58.90 $42.33 $62.9045-49 $51.83 $79.40 $55.83 $83.6550-54 $74.33 $114.15 $78.58 $118.4055-59 $93.08 $143.15 $97.33 $147.4060-64 $125.58 $193.15 $129.83 $197.1565-70 $150.33 $230.90 $154.58 $235.40Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 17-24 $3.98 $6.10 $4.83 $6.9525-29 $5.73 $8.75 $6.53 $9.6030-34 $7.93 $12.20 $8.78 $13.0535-39 $10.78 $16.50 $11.58 $17.3540-44 $13.48 $20.70 $14.33 $21.5545-49 $17.38 $26.75 $18.23 $27.5550-54 $23.93 $36.75 $24.78 $37.6055-59 $30.58 $47.00 $31.43 $47.8060-64 $39.38 $60.45 $40.18 $61.3065-70 $47.18 $72.50 $48.08 $73.40Bchex(Continued...)Page 2 of 4Underwritten by Colonial Life & Accident Insurance CompanySee page 4 for Important Notice

Critical Illness 1.0 for NCApplicable to policy form CI-1.0lHSA Compliant, with Subsequent Diagnosis Coverage, Health Screening Benefit, Cancer BenefitTobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$20,000 17-24 $6.88 $10.55 $8.58 $12.2525-29 $10.38 $15.85 $11.98 $17.5530-34 $14.78 $22.75 $16.48 $24.4535-39 $20.48 $31.35 $22.08 $33.0540-44 $25.88 $39.75 $27.58 $41.4545-49 $33.68 $51.85 $35.38 $53.4550-54 $46.78 $71.85 $48.48 $73.5555-59 $60.08 $92.35 $61.78 $93.9560-64 $77.68 $119.25 $79.28 $120.9565-70 $93.28 $143.35 $95.08 $145.15$30,000 17-24 $9.78 $15.00 $12.33 $17.5525-29 $15.03 $22.95 $17.43 $25.5030-34 $21.63 $33.30 $24.18 $35.8535-39 $30.18 $46.20 $32.58 $48.7540-44 $38.28 $58.80 $40.83 $61.3545-49 $49.98 $76.95 $52.53 $79.3550-54 $69.63 $106.95 $72.18 $109.5055-59 $89.58 $137.70 $92.13 $140.1060-64 $115.98 $178.05 $118.38 $180.6065-70 $139.38 $214.20 $142.08 $216.90$40,000 17-24 $12.68 $19.45 $16.08 $22.8525-29 $19.68 $30.05 $22.88 $33.4530-34 $28.48 $43.85 $31.88 $47.2535-39 $39.88 $61.05 $43.08 $64.4540-44 $50.68 $77.85 $54.08 $81.2545-49 $66.28 $102.05 $69.68 $105.2550-54 $92.48 $142.05 $95.88 $145.4555-59 $119.08 $183.05 $122.48 $186.2560-64 $154.28 $236.85 $157.48 $240.2565-70 $185.48 $285.05 $189.08 $288.65$50,000 17-24 $15.58 $23.90 $19.83 $28.1525-29 $24.33 $37.15 $28.33 $41.4030-34 $35.33 $54.40 $39.58 $58.6535-39 $49.58 $75.90 $53.58 $80.1540-44 $63.08 $96.90 $67.33 $101.1545-49 $82.58 $127.15 $86.83 $131.1550-54 $115.33 $177.15 $119.58 $181.4055-59 $148.58 $228.40 $152.83 $232.4060-64 $192.58 $295.65 $196.58 $299.9065-70 $231.58 $355.90 $236.08 $360.40Bchex(Continued...)Page 3 of 4Underwritten by Colonial Life & Accident Insurance CompanySee page 4 for Important Notice

Individual Disability - ISTD3000 for NC A Risk ClassApplicable to policy form Individual DisabilitylOff Job Accident & Off Job Sickness3 Month Benefit PeriodELIMINATION PERIOD ISSUE AGE $1,000* $1,400* $1,500* $1,800* $2,000**monthly benefit amount0 days Accident/7 days Sickness 17-49 $15.95 $22.33 $23.93 $28.71 $31.9050-64 $19.50 $27.30 $29.25 $35.10 $39.0065-74 $28.30 $39.62 $42.45 $50.94 $56.60Individual Disability - ISTD3000 for NC A Risk ClassApplicable to policy form Individual DisabilitylOff Job Accident & Off Job Sickness3 Month Benefit PeriodELIMINATION PERIOD ISSUE AGE $2,200* $2,300* $2,400* $2,500* $2,600**monthly benefit amount0 days Accident/7 days Sickness 17-49 $35.09 $36.69 $38.28 $39.88 $41.4750-64 $42.90 $44.85 $46.80 $48.75 $50.7065-74 $62.26 $65.09 $67.92 $70.75 $73.58Group Medical Bridge (GMB7000) for NCAge-BandedApplicable to Policy Forms GMB7000–P & GMB7000-ClWithout Wellbeing Assistance, Observation RoomHOSPITAL CONFINEMENT LEVEL ISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE PARENT FAMILY TWO PARENT FAMILYLevel 4: $200017-49 $9.48 $17.03 $13.51 $21.0650-59 $12.28 $24.33 $16.31 $28.3660-64 $17.18 $35.73 $21.21 $39.7665-99 $25.28 $52.53 $29.51 $56.76Important NoticeInsurance coverage has exclusions and limitations that may affect benefits payable. For a complete description of benefits, limitations and exclusions, please refer to anoutline of coverage, sample policy/certificate, proposal description or see your Colonial Life benefits counselor. Coverage type, benefits and rates vary by state. Coverage maynot be available in all states. Rates provided are illustrative and your actual premium may be different depending on your particular situation and plan choices.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.© 2024 Colonial Life & Accident Insurance Company"Colonial Life," and the Colonial Life logo, separately and in combination, are service marks of Colonial Life & Accident Insurance Company. All rights reserved.Shelley Hartsell | Shelley.Hartsell@coloniallifesales.com | (704) 883-4838Bchex(Continued...)Page 4 of 4Underwritten by Colonial Life & Accident Insurance CompanySee page 4 for Important Notice

Thank you Colonial Life Voluntary Benefits Please contact Shelley Hartsell Benefits Specialist 704 883 4838 Sh e l le y Ha rtse l l C o lo n i a lLi feS a le s c om