Brown Water Enrollment 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. Brown Water Marine Brown Water Marine Brown Water Marine the first day of the month following 90 daysBrown Water Marine Pre-TaxEmployer SharedPre-TaxEmployee PaidPre-TaxEmployee PaidHealth InsuranceDental InsuranceVision InsuranceVoluntary LifeEmployee PaidPost-TaxBasic Life - 20kEmployer PaidPost-TaxShort Term DisabilityEmployer PaidPost-TaxLong Term DisabilityEmployer PaidPost-Tax

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Portability If you leave the company, some of your benefits end and some of your benefits are portable. This means you can take them with you if you leave, as long as you continue to pay the premiums yourself. Once terminated, you will be notified through the mail if any of your benefits are portable. When Coverage Ends Benefits end on the last day of the month following termination or when you cease to meet eligibility guidelines. Looking ahead…… Now let’s look at each benefit that makes up the benefits program. In the following pages, you’ll learn more about the valuable benefits your employer offers. You’ll also see how choosing the right combination of benefits can help protect you and your family’s health. NOTES: ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________Continuing Your CoverageUnder certain circumstances, you may continue your health care coverage when it would otherwise end. This is called Cobra applies to these plans: Health Insurance Dental Insurance Vision InsuranceWhen can I continue coverage under ____________________?You and/or your dependents are eligible to continue health care coverage under ________________________If coverage is lost because: Your employment ends for any reason other than“gross misconduct”. Your work hours are significantly reduced. You die. You become entitled to and enroll in Medicare prior to losing coverage. You divorce or become legally separated from your spouse. Your dependent loses dependent status.________________CobraCobraCobraBrown Water Marine

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DeductibleFamily DeductibleCoinsuranceOut-Of-PocketOffice VisitSpecialty Doctor Office VisitInpatient Hospital ServicesPreventative Lab & X-RayAdvanced ImaginingUrgent CareEmergency RoomRXPCPEmployees Semi Monthly RateEmployees Bi-Weekly RateEmployees Semi Monthly RateEmployees Bi-Weekly RateEmployees Semi Monthly RateEmployees Bi-Weekly RateEmployees Semi Monthly RateEmployees Bi-Weekly RateEmployee Only$119.97 $110.74 $107.98 $99.67 $95.98 $88.60 $83.98 $77.52Employee + Spouse$282.63 $260.88 $254.37 $234.80 $226.10 $208.71 $197.84 $182.62Employee + Child(ren)$227.84 $210.31 $205.05 $189.28 $182.27 $168.25 $159.49 $147.22Employee + Family$383.60 $354.09 $345.24 $318.68 $306.88 $283.27 $268.52 $247.86Class 4 (7+YR) RatesNo10/35/75/250$300 Copay + 80% After Ded.$50 Copay$25 Copay$8,150 ($16,300)80%$10,000E5000i80LX21LF - EPOIn$5,00080% After Ded.80% After Ded.80% After Ded.$75 Copay*An HRA (Health Reimbursement Agreement) works in conjunction with your High Deductible Health Plan and provides assistance for expenses that take place after you have satisfied the first $2,500 of your deductible. *The HRA allows you to submit your medical EOB's (explanation of benefits) to Proficient Benefits Solutions once you have satisfied the first $2,500 of your deductible. Class 1 (90 - 1YR) Rates Class 2 (1-4 YR) Rates Class 3 (4-7YR) RatesBrown Water Marine Services, Inc Health Insurance InformationHRA Buy-Up Plan

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Brown Water Marine Service, Inc.Health Reimbursement Arrangement (HRA)toJanuary DecemberPlan reimburses expenses for:Employee and Insured DependentsDeductible Type:In NetworkMaximum Reimbursement for employee is:$2,500Maximum for family is: $5,000The Participant is responsible for the FIRST $2,500 and the Employer is responsible for the NEXT $2,500.Expenses must be incurred betweenExpenses must be incurred between 1/1/2023 and 12/31/2023.A claim form along with the Explanation of Benefits from your health insurance carrier must be submitted to Proficient Benefit Solutions for processing. Once approved, Proficient Benefit Solutions will request funding from the employer and release the reimbursement to the employee.$100.00The minimum reimbursement is:What is the filing deadline for HRA claims?>> Monthly - claims must be submitted by the last day of the month.>> Funding requests for claims are processed on the 5th of each month.What documentation is required?>> Completed Health Reimursement Arrangement Claim Form>> Explanation of Benefits (EOB) from health insurance carrier.>> Plan Year - 90 days after the end of the plan year or after termination of eligibilityCoverage Details:What is the claims filing process?Brown Water Marine Service, Inc. provides a HRA to covered individuals under the following:AetnaEPO 80%

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Produced on 07/20/2023 at 16:10:23 EDTSummary of Benefits07/20/2023As of Date:0001 ALL ELIGIBLEEMPLOYEESClass:VoluntaryCoverage Type:90 day(s)Waiting Period:BROWN WATER MARINESERVICEGroup Name:00030064Group ID:Plan InformationYour dental networks are: Dental - DentalGuard Pref - Texas and Dental - DentalGuard Pref NAP - TexasCoverage Information Dental - DentalGuard Pref - Texas Dental - DentalGuard Pref NAP - TexasWhat's the mostcost-effective way touse dental insurance?You may go to any dentist, however those whobelong to the Dental - DentalGuard Pref -network will be most cost effective.Texas You may go to any dentist, however those whobelong to the Dental - DentalGuard Pref NAP -network will be most cost effective.Texas In Network Out of Network In Network Out of NetworkCalendar yeardeductible$50, Once the annualdeductible is met byeach of three familymembers, no furtherdeductibles apply.$50, Once theannual deductibleis met by each ofthree familymembers, nofurtherdeductiblesapply.Out of Network is acombined deductiblefor in and out ofnetwork services.$50, Once theannual deductibleis met by each ofthree familymembers, nofurtherdeductiblesapply.PreventiveWaived Waived WaivedBasicNot Waived Not Waived Not WaivedMajorNot Waived Not Waived Not WaivedCalendar Year MaximumBenefitThe amount shown inthe out of network fieldis your combinedCalendar Year$1,000The amount shown inthe out of network fieldis your combinedCalendar Year$1,000Dental Benefit Summary

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Produced on 07/20/2023 at 16:10:23 EDT Dental - DentalGuard Pref - Texas Dental - DentalGuard Pref NAP - TexasWhat's the mostcost-effective way touse dental insurance?You may go to any dentist, however those whobelong to the Dental - DentalGuard Pref -network will be most cost effective.Texas You may go to any dentist, however those whobelong to the Dental - DentalGuard Pref NAP -network will be most cost effective.Texas In Network Out of Network In Network Out of Networkmaximum for both inand out of networkservices.maximum for both inand out of networkservices.Maximum rolloverYes Yes Yes YesMonthly SwitchNot Available Not Available Not Available Not AvailableHow much does theplan pay?How much doesthe plan pay?(asa percentage offee schedule.)How much does theplan pay?How much doesthe plan pay?Office Visit Co-pay (oneoffice visit may covermultiple services)None None None NonePreventive Care:100% 100% 100% 100%Bitewing X-Rays100% 100% 100% 100%Full Mouth X-Rays100% 100% 100% 100%Cleaning100% 100% 100% 100%Oral Exams100% 100% 100% 100%Basic Care:100% 100% 80% 80%Fillings (one surface)100% 100% 80% 80%Sealants (per tooth)100% 100% 80% 80%Major Care:60% 60% 50% 50%General Anesthesia160% 60% 50% 50%Scaling & Root Planing(per quadrant)60% 60% 50% 50%Dentures60% 60% 50% 50%Single Crowns60% 60% 50% 50%Simple Extractions60% 60% 50% 50%OrthodontiaNot Available Not Available Not Available Not Available

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Produced on 07/20/2023 at 16:10:23 EDTGeneral ExclusionsImportant Information about Guardian's DentalGuard Indemnity and DentalGuard Preferred PPO plans:This policy provides dental insurance only. Coverage is limited to charges that are necessary to prevent, diagnose or treat dentaldisease, defect, or injury.Deductibles apply.The plan does not pay for:Oral hygiene services (except as covered under preventive services),Orthodontia (unless expressly provided for),Cosmetic or experimental treatments (unless they are expressly provided for).Any treatments to the extent benefits are payable by any other payor or for which no charge is made, prostheticdevices unless certain conditions are met, and services ancillary to surgical treatment.The plan limits benefits for diagnostic consultations and for preventive, restorative, endodontic, periodontic, and prosthodonticservices. The services, exclusions and limitations listed above do not constitute a contract and are a summary only. The Guardianplan documents are the final arbiter of coverage. Contract # GP-1-DEN -16 et al.Teeth lost or missing before a covered person becomes insured by this plan. A covered person may have one or more congenitallymissing teeth or have lost one or more teeth before he became insured by this plan. We won't pay for a prosthetic device whichreplaces such teeth unless the device also replaces one or more natural teeth lost or extracted after the covered person becameinsured by this plan. R3-DG2000 Monthly RateEE: $17.84ES: $36.21EC: $45.92EF: $68.61This Benefit Summary is for illustrative purposes. Your benefits booklet will show exactly what is covered and/or excluded under your plan. If there is a discrepancy between this Benefit Summary and your benefit booklet, the benefit booklet prevails.Definitions shown on this site are in summary form and are for general informational purposes. The terms of the insurance contract prevails.

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Produced on 07/20/2023 at 16:10:23 EDT Guardian Vision - Full FeatureWhat's the most cost-effectiveway to use vision benefits?You will save by seeing an eye care provider in Guardian's network.In-Network Out-Of-NetworkLensesSingle vision lenses Copay applies Amount over: $30.00Lined bifocal lenses Copay applies Amount over: $50.00Lined trifocal lenses Copay applies Amount over: $65.00Lenticular lenses Copay applies Amount over: $100.00Contact LensesElective and Conventional Amount over $150.00 Amount over: $120.00Planned replacement Amount over $150.00 $120 Max (copay waived)Medically necessary $0 Amount over: $210.00Evaluation and fitting Standard $50; Custom $75 Included in Contact Lens allowanceFrames20% discount on amount over $150.00 Amount over: $70.00Lens & Frame AllowanceNo discounts No discountsCosmetic ExtrasDiscounted up to 45% off providers UCR. No discountsLaser correction surgeryUp to 25% off the national average No discountsHearingSavings of 30-60% off retail No discountsVision and General ExclusionsImportant informationThis policy provides vision care limited benefits health insurance only. It does not provide basic hospital, basic medical or majormedical insurance as defined by the New York State Insurance Department. Coverage is limited to those charges that are necessaryfor a routine vision examination. Co-pays apply. The plan does not pay for:Orthoptics or vision training and any associated supplemental testing;Medical or surgical treatment of the eye;Eye examination or corrective eyewear required by an employer as a condition of employment;Replacement of lenses and frames that are furnished under this plan, which are lost or broken (except at normal intervalswhen services are otherwise available or a warranty exists).The plan limits benefits for blended lenses, oversized lenses, photochromic lenses, tinted lenses, progressive multifocal lenses,

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Produced on 07/20/2023 at 16:10:23 EDTcoated or laminated lenses, a frame that exceeds plan allowance, cosmetic lenses; U-V protected lenses and optional cosmeticprocesses. The services, exclusions and limitations listed above do not constitute a contract and are a summary only. The Guardianplan documents are the final arbiter of coverage. Contract #GP-1-VSN-17, et al.Laser Correction SurgeryLaser surgery is not an insured benefit. The surgery is available at a discounted fee. The covered person must pay the entirediscounted fee. In addition, the laser surgery discount may not be available in all states. Monthly RateEE: $7.66ES: $14.49EC: $14.77EF: $23.38Due to lower prices available at Walmart, Sams Club and Costco locations, additional discounts do not apply.This Benefit Summary is for illustrative purposes. Your benefits booklet will show exactly what is covered and/or excluded under your plan. If there is a discrepancy between this Benefit Summary and your benefit booklet, the benefit booklet prevails.Definitions shown on this site are in summary form and are for general informational purposes. The terms of the insurance contract prevails.

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Unum | Term Life Insurance EN-1976 FOR EMPLOYEES (6-22) Brown Water Marine Service IncorporatedWho can get Term Life coverage?If you are actively at work at least 30 hours per week, you may apply for coverage for:You: Choose from $10,000 to $500,000 in $10,000 increments, up to 5 times your earnings.You can get up to $100,000. This is the amount of coverage you can qualify for with no medical underwriting.Your spouse:Get up to $250,000 of coverage in $5,000 increments. Spouse coverage cannot exceed 100% of the coverage amount you purchase for yourself.Your spouse can get up to $25,000 with no medical underwriting, if eligible (see delayed effective date).Your children:Get up to $10,000 of coverage in $2,000 increments if eligible (see delayed effective date). One policy covers all of your children until their 26th birthday.The maximum benefit for children live birth to 6 months is $1,000.How does it work?You choose the amount of coverage that’s right for you, and you keep coverage for a set period of time, or “term.” If you die during that term, the money can help your family pay for basic living expenses, final arrangements, tuition and more.AD&D Insurance is also available, which pays a benefit if you survive an accident but have certain serious injuries. It pays an additional amount if you die from a covered accident.Why is this coverage so valuable?If you buy a minimum of $10,000 of coverage now, you can increase your coverage in the future up to $100,000 to meet your growing needs. There would be no medical underwriting to qualify for coverage.What else is included?A ‘Living’ Benefit — If you are diagnosed with a terminal illness with less than 12 months to live, you can request 100% of your life insurance benefit (up to $250,000) while you are still living. This amount will be taken out of the death benefit, and may be taxable. These benefit payments may adversely affect the recipient’s eligibility for Medicaid or other government benefits or entitlements, and may be taxable. Recipients should consult their tax attorney or advisor before utilizing living benefit payments.Waiver of premium — Your cost may be waived if you are totally disabled for a period of time.Portability — You may be able to keep coverage if you leave the company, retire or change the number of hours you work.Employees or dependents who have a sickness or injury having a material effect on life expectancy at the time their group coverage ends are not eligible for portability.Term Life and Accidental Death & Dismemberment (AD&D) InsuranceWho can get Term Life coverage?If you are actively at work at least 30 hours per week, you may apply for coverage for:You:Choose from $10,000 to $500,000 in $10,000 increments, up to 5 times your earnings.You can get up to $100,000. This is the amount of coverage you can qualify for with no medical underwriting.Your spouse:Get up to $250,000 of coverage in $5,000 increments. Spouse coverage cannot exceed 100% of the coverage amount you purchase for yourself.Your spouse can get up to $25,000 with no medical underwriting, if eligible (see delayed effective date).Your children:Get up to $10,000 of coverage in $2,000 increments if eligible (see delayed effective date). One policy covers all of your children until their 26th birthday.The maximum benefit for children live birth to 6 months is $1,000.Who can get Accidental Death & Dismemberment (AD&D) coverage?You:Get up to $500,000 of AD&D coverage for yourself in $10,000 increments to a maximum of 5 times your earnings.Your spouse:Get up to $250,000 of AD&D coverage for your spouse in $5,000 increments, if eligible (see delayed effective date).Your children:Get up to $10,000 of coverage for your children in $2,000 increments if eligible (see delayed effective date).No medical underwriting is required for AD&D coverage.

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Unum | Term Life Insurance EN-1976 FOR EMPLOYEES (6-22) 1. Enter the coverage amount you want.2. Divide by the amount shown.3. Multiply by the rate. Use the rate table (at right) to find the rate based on age.(Choose the age you will be when your coverage becomes effective. See your plan administrator for your plan effective date. To determine your spouse rate, choose the age the employee will be when coverage becomes effective. See your plan administrator for your plan effective date.)4. Enter your cost.Billed amount may vary slightly.If you apply for coverage above the guaranteed issue amount, you may be subject to medical underwriting which may affect your ability to get the larger coverage amount. In order to purchase coverage for your dependents, you must buy coverage for yourself. Coverage amounts cannot exceed 100% of your coverage amounts. Calculate your costs1 2 3 4Employee $______,000 ÷ $10,000 = $________ X $______ = $_______Spouse $______,000 ÷ $5,000 = $________ X $______ = $_______Child $______,000 ÷ $2,000 = $________ X $______ = $_______Total costSpouse monthly ratePer $5,000 of coverageCost$45.000$0.400$0.500$0.750$1.100$1.800$2.750$4.050$5.400$6.950$12.700$42.750Employee monthly rateAgePer $10,000 of coverageCost15-24 $0.90025-29 $0.80030-34 $1.00035-39 $1.50040-44 $2.20045-49 $3.60050-54 $5.50055-59 $8.10060-64 $10.80065-69 $13.90070-74 $25.40075+ $85.500How much coverage can I get?Child monthly rate$0.400 per $2,000 of coverage1. Enter the AD&D coverage amount you want.2. Divide by the amount shown.3. Multiply by the rate. Use the AD&D rate table (at right) to find the rate.4. Enter your cost.AD&D monthly ratesCoverage amount RateEmployee per $10,000 of coverage $0.200Spouse per $5,000 of coverage $0.100Child per $2,000 of coverage $0.040AD&D1 2 3 4Employee $______,000 ÷ $10,000 = $________ X $0.200 = $_______Spouse $______,000 ÷ $5,000 = $________ X $0.100 = $_______Child $______,000 ÷ $2,000 = $________ X $0.040 = $_______Total cost

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Unum | Term Life Insurance EN-1976 FOR EMPLOYEES (6-22) Exclusions and limitationsActively at workEligible employees must be actively at work to apply for coverage. Being actively at work means on the day the employee applies for coverage, the individual must be working at one of his/her company’s business locations; or the individual must be working at a location where he/she is required to represent the company. If applying for coverage on a day that is not a scheduled workday, the employee will be considered actively at work as of his/her last scheduled workday. Employees are not considered actively at work if they are on a leave of absence or lay off.An unmarried handicapped dependent child who becomes handicapped prior to the child’s attainment age of 26 may be eligible for benefits. Please see your plan administrator for details on eligibility.Employees must be U.S. citizens or legally authorized to work in the U.S. to receive coverage. Employees must be actively employed in the United States with the Employer to receive coverage. Employees must be insured under the plan for spouses and dependents to be eligible for coverage.Exclusions and limitationsLife insurance benefits will not be paid for deaths caused by suicide occurring within 24 months after the effective date of coverage. The same applies for increased or additional benefits.AD&D specific exclusions and limitations:Accidental death and dismemberment benefits will not be paid for losses caused by, contributed to by, or resulting from:• Disease of the body; diagnostic, medical or surgical treatment or mental disorder as set forth in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders (DSM)• Suicide, self-destruction while sane, intentionally self-inflicted injury while sane or self-inflicted injury while insane• War, declared or undeclared, or any act of war• Active participation in a riot• Committing or attempting to commit a crime under state or federal law• The voluntary use of any prescription or non-prescription drug, poison, fume or other chemical substance unless used according to the prescription or direction of your or your dependent’s doctor. This exclusion does not apply to you or your dependent if the chemical substance is ethanol.• Intoxication – ‘Being intoxicated’ means your or your dependent’s blood alcohol level equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction where the accident occurred.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.Delayed Effective Date: if your spouse or child has a serious injury, sickness, or disorder, or is confined, their coverage may not take effect. Payment of premium does not guarantee coverage. Please refer to your policy contract or see your plan administrator for an explanation of the delayed effective date provision that applies to your plan.Age ReductionCoverage amounts for Life and AD&D Insurance for you and your dependents will reduce to 65% of the original amount when you reach age 70, and will reduce to 50% of the original amount when you reach age 75. Coverage may not be increased after a reduction.Termination of coverageYour coverage and your dependents’ coverage under the policy ends on the earliest of:• 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 actively employed (unless coverage is continued due to a covered layoff, leave of absence, injury or sickness), as described in the certificate of coverageIn addition, coverage for any one dependent will end on the earliest of:• The date your coverage under a plan ends• The date your dependent ceases to be an eligible dependent• For a spouse, the date of a divorce or annulment• For dependents, the date of your deathUnum will provide coverage for a payable claim that occurs while you and your dependents are covered under the policy or plan.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.Life Planning Financial & Legal Resources services, provided by HealthAdvocate, are available with select Unum insurance offerings. Terms and availability of service are subject to change. 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.Unum complies with state civil union and domestic partner laws when applicable.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.

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Unum | Term Life Insurance EN-2046 FOR EMPLOYEES (6-22) Brown Water Marine Service IncorporatedWho can get Term Life coverage?If you are actively at work at least 30 hours per week, you can receive coverage for:You:You can receive a benefit amount of $20,000. You can get up to $20,000 with no medical underwriting.How does it work?You keep coverage for a set period of time, or “term.” If you die during that term, the money can help your family pay for basic living expenses, final arrangements, tuition and more.AD&D Insurance is also available, which can pay a benefit if you survive an accident but have certain serious injuries. It can pay an additional amount if you die from a covered accident.Why Choose Unum?Your employer is offering you this coverage at no cost to you.What else is included?A “Living” Benefit If you are diagnosed with a terminal illness with less than 12 months to live, you can request 100% of your life insurance benefit (up to $250,000) while you are still living. This amount will be taken out of the death benefit and may be taxable.Waiver of premium Your cost may be waived if you are totally disabled for a period of time.Portability You may be able to keep coverage if you leave the company, retire or change the number of hours you work.Employees or dependents who have a sickness or injury having a material effect on life expectancy at the time their group coverage ends are not eligible for portability.Term Life with Accidental Death & Dismemberment (AD&D) InsuranceWho can get Term Life coverage?If you are actively at work at least 30 hours per week, you can receive coverage for:You:You can receive a benefit amount of $20,000. You can get up to $20,000 with no medical underwriting.Who can get Accidental Death & Dismemberment (AD&D) coverage?You:You can receive an AD&D benefit amount of $20,000.No medical underwriting is required for AD&D coverage.

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Unum | Term Life Insurance EN-2046 FOR EMPLOYEES (6-22) Actively at workEligible employees must be actively at work to apply for coverage. Being actively at work means on the day the employee applies for coverage, the individual must be working at one of his/her company’s business locations; or the individual must be working at a location where he/she is required to represent the company. If applying for coverage on a day that is not a scheduled workday, the employee will be considered actively at work as of his/her last scheduled workday. Employees are not considered actively at work if they are on a leave of absence or lay off.Employees must be U.S. citizens or legally authorized to work in the U.S. to receive coverage.Employees must be actively employed in the United States with the Employer to receive coverage. Employees must be insured under the plan for spouses and dependents to be eligible for coverage.Exclusions and limitationsLife insurance benefits will not be paid for deaths that are caused by suicide occurring within 24 months after the effective date of coverage or the date that increases to existing coverage becomes effective. This exclusion standardly applies to all medically written amounts and contributory amounts that are funded by the employee including shared funding plans.AD&D specific exclusions and limitations:Accidental death and dismemberment benefits will not be paid for losses caused by, contributed to by, or resulting from:• Disease of the body; diagnostic, medical or surgical treatment or mental disorder as set forth in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders (DSM)• Suicide, self-destruction while sane, intentionally self-inicted injury while sane or self-inicted injury while insane• War, declared or undeclared, or any act of war• Active participation in a riot• Committing or attempting to commit a crime under state or federal law• The voluntary use of any prescription or non-prescription drug, poison, fume or other chemical substance unless used according to the prescription or direction of your doctor. This exclusion does not apply to you if the chemical substance is ethanol.• Intoxication – “Being intoxicated” means your blood alcohol level equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction where the accident occurred.Delayed effective date of coverageEmployee:Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.Age reductionCoverage amounts for Life and AD&D Insurance for you will reduce to 65% of the original amount when you reach age 65, and will reduce to 50% of the original amount when you reach age 70. Coverage may not be increased after a reduction.Termination of coverageYour coverage under the policy ends on the earliest of:• 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 actively employed (unless coverage is continued due to a covered layoff, leave of absence, injury or sickness), as described in the certificate of coverageThis 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.Life Planning Financial & Legal Resources services, provided by HealthAdvocate, are available with select Unum insurance offerings. Terms and availability of service are subject to change. 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© 2022 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.

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EN-2045 FOR EMPLOYEES (3-22) Unum | Short Term Disability Insurance Brown Water Marine Service IncorporatedHow does it work?If a covered illness or injury keeps you from working, this employer-provided Short Term Disability Insurance replaces part of your income while you recover. As long as you remain disabled, you can receive payments for up to 26 weeks.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?Your employer is paying the cost of this coverage. 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.Short Term Disability InsuranceConsider your expensesUtilities $Housing $Groceries $Transportation $Child care/Elder care $Medical/Personal care $Education $Insurance $Short Term Disability Insurance pays you a weekly benefit if you have a covered disability that keeps you from working.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 .Cover 60% of your weekly income, up to a maximum benefit of $1,000 per week.*See the Legal Disclosures for more information.The weekly benefit may be reduced or offset by other sources of income. The IRS may require you to pay taxes on certain benefit payments. See your tax advisor for details.Brown Water Marine Service Incorporated is paying the cost of this coverage so you don’t have to answer health questions.Elimination period (EP)This is the number of days that must pass between your first day of a covered disability and the day you can begin to receive your disability benefits.Your benefits would begin after 0 days if you become disabled due to an injury and 7 days if you become disabled due to an illness.Benefit duration (BD)The maximum number of weeks you can receive benefits while you’re disabled. You have a 26 week benefit duration.

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EN-2045 FOR EMPLOYEES (3-22) Unum | Short Term Disability Insurance 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.Definition of disabilityYou are considered disabled when Unum determines that, due to sickness or injury:• You are limited from performing the material and substantial duties of your regular occupation; and• You have a 20% or more loss in weekly earnings.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 generally required by employers from those engaged in your usual occupation 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• State compulsory benefit laws• Automobile liability insurance policy• Motor vehicle insurance policy or plan• No fault motor vehicle plan• Legal judgments and settlements• Salary continuation or sick leave plans, if applicable• Other group or association disability programs or insurance• Social Security or similar governmental programsExclusions and limitationsBenefits will not be paid for disabilities caused by, contributed to by, or resulting from:• War, declared or undeclared or any act of war• Active participation in a riot• Intentionally self-inflicted injuries;• Loss of professional license, occupational license or certification;• Commission of a crime for which you have been convicted;• Any period of disability during which you are incarcerated;• Any occupational injury or sickness (this will not apply to a partner or sole proprietor who cannot be covered by law under workers’ compensation or any similar law);The loss of a professional or occupational license does not, in itself, constitute 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.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.

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Unum | Long Term Disability Insurance EN-2044 FOR EMPLOYEES (3-22) Brown Water Marine Service IncorporatedHow does it work?This employer-paid 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?Your employer is paying the cost of this coverage. 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?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. 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.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 $8,000. *See the Legal Disclosures for more information.The monthly benefit may be reduced or offset by other sources of income. The IRS may require you to pay taxes on certain benefit payments. See your tax advisor for details.Brown Water Marine Service Incorporated is paying the cost of this coverage so you don’t have to answer health questions.Elimination period (EP)Your elimination period is 180 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 for 5 years.

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Unum | Long Term Disability Insurance EN-2044 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 layo, or leave of absence on the date that insurance would otherwise become eective.Benefit DurationThe duration of your benet payments is based on your age when your disability occurs. Your Long Term Disability benets are payable while you continue to meet the denition of disability. Please refer to your plan document for the duration of benets 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 tted 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 certication 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 modied.Deductible sources of incomeYour disability benet may be reduced by deductible sources of income and any earnings you have while you are disabled, including such items as group disability benets 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 laws• 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 included• Retirement payments• Social Security or similar governmental programsExclusions and limitationsBenets 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 benet for any period of disability during which you are incarcerated.The lifetime cumulative maximum benet 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 benets 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 conned 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.

Brown Water Enrollment Guide

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