Chicago Title - Benefits Guide : simplebooklet.com

BENEFIT CONCIERGE We strive to provide our valued employee s with the most exceptional of benefits One of the valueadded features of our benefit program is that it comes with a Personal Concierge Our benefits Medical Dental and Vision are now provided to us through a firm called Primary Care Insura nce Solutions As part of our relationship they provide a Dedicated Account Manager to assist all our sta with any insurance related issues questions or concerns The moment you discover there is any issue or have any questions please contact them The sooner we are able to get our account manager involved the faster the is sue can be addressed and questions can be answered NEED HELP FINDING AN IN NETWORK PROVIDER DOCTOR FACILITY HOSPITAL PHARMACY DENTIST ETC NEED TO KNOW HOW OR IF SOMETHING IS COVERED UNDER YOUR MEDICAL DENTAL OR VISION PLAN HAVE YOU RECIEVED A MEDICAL DENTAL VISION BILL THAT MAY BE INCORRECT OR ANY OTHER QUESTION OR CONCERN COVERAGE CARRIER PHONE 866 801 4409 MEDICAL United HealthCare www uhc com find a doctor EPO Network Choice 866 801 4409 www uhc com find a doctor DENTAL United Healthcare 866 801 4409 www uhc com find a doctor VISION United HealthCare Clair Dedicated Account Manager D 832 476 2009 Clair Primarycareins com Kim Support to Account Manager D 346 502 3007 Kim Primarycareins com PROVIDER SEARCH PRIMARY CARE INSURANCE SOLUTIONS M 713 329 6944 C 832 380 0911 www primarycareins com

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Enrolling as a New Employee If you are enrolling for the first time and are a new employee you will be eligible for benefits on the 1st of the month following 60 days Your elections will remain in effect for the plan year unless you experience a life status change event Eligible Dependents Your eligible dependents include Your legal spouse Your dependent children up to age 26 regardless of student or marital status Adult children with disability Contact Human Resources for criteria and required documentation Making Election Changes During the Year In most cases your benefit elections remain in effect until the next annual open enrollment period You will not be able to make any plan changes unless you experience a life status change event Life Status Change Event Generally you may only change your benefit elections during the annual open enrollment period However you can change benefit elections during the year if you experience a life status change event Life status change events include Marriage Divorce Birth of a child Death of your spouse or dependent child Adoption of placement for adoption of your child Termination or commencement of your spouse s employment Change of employment status by you or your spouse A significant change in health coverage for you or your spouse due to your spouse s employment Qualification by the plan administrator of a Medical Child Support Order Entitlement to Medicare or Medicaid Enrollment Ceasing to be enrolled in Children s Health Insurance Program If you experience a life status change event and wish to make changes to your elections you MUST notify Human Resources within 30 days of the event You have 60 days to notify Human Resources for the life event of Entitlement to Medicare or Medicaid If you fail to provide notice and supporting documentation of the event within the 30 day timeframe you will be required to wait until the next Open Enrollment period to make changes to your plan

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Your Open Enrollment Guide Abrams Walt Associates PLLC dba Chicago Title recognizes the importance of providing our employees the opportunity to participate in a comprehensive and competitive benefits program A competitive benefits program is key to our continued growth as an organization and offers our employees benefits in support of overall health and financial security We continually review new developments in employee benefit programs and periodically add new benefits or change existing benefits to provide the maximum value to our employees To help you make your benefit choices PCIS Inc gives you several tools including this Bene fits Guide Use these tools to help make your benefits decisions What is Open Enrollment Open Enrollment season is your once a year opportunity to make changes to your current benefits and to review which dependents you will cover during the new plan year All changes you request will take effect June 1 2026 What do You Need to do Abrams Walt Associates PLLC dba Chicago Title Enrollment begins on Thursday May 21st and will end on Tuesday May 26th You must complete and return an enrollment form by this date even if you are waiving benefits Here s What You Need to Know Medical Plans Your medical benefits will be continuing with United HealthCare Dental Plan Your dental benefits will be continuing with United HealthCare Vision Plan Your vision benefits will be continuing with United HealthCare Here s What You Need to Know Thursday May 21st Open Enrollment Begins 2026 OPEN ENROLLMENT Tuesday May 26th Open Enrollment Ends Monday June 1st Benefits go into effect start of the new plan year

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ABRAMS WALT AND ASSOCIATES PLLC DBA CHICAGO TITLE Analysis of Employee Benefits June 1 2026 to May 31 2027 Prepared by Primary Care Insurance Network Name Calendar Year Deductible UHC Plan 1 UHC Plan 2 UHC Level Funded E6000i100LX21B Choice UHC Level Funded E2000i80LX21B Choice Choice Out Network In Network Out Network In Network Out Network Individual 6 000 N A 2 000 N A 1 000 N A 6 000 N A Family 12 000 N A 4 000 N A 2 000 N A 12 000 N A 100 N A 80 N A 100 N A 100 N A Includes ALL Coins Ded RX Copays Includes ALL Coins Ded RX Copays Out Network Includes ALL Coins Ded RX Copays Individual 8 150 N A 5 000 N A 3 500 N A 6 000 N A Family 16 300 N A 10 000 N A 7 000 N A 12 000 N A Under age 19 Over age 19 Under age 19 Over age 19 Under age 19 Over age 19 PCP 0 25 N A 0 25 N A 0 25 N A Ded then 100 N A Specialty 75 75 N A 75 75 N A 75 75 N A Ded then 100 N A Pharmacy Network Broad RX Drug Card Copay Choice In Network Includes ALL Coins Ded RX Copays Office Visit UHC Plan4 UHC Level Funded HSA HE6000CP25B In Network CoInsurance Out of Pocket Maximum UHC Plan 3 UHC Level Funded E1000i100LX21B Restrictions RX Tiers Copays RX Mail Order Retail Prescription Drug List Essential w SMCS Drugs Pref Tier 1 Step Therapy Pref Tier 1 Step Therapy Pref Tier 1 Step Therapy Pref Tier 1 Step Therapy Tier 1 Tier 1 Specialty Tier 2 Tier 2 Specialty Tier 3 Tier 3 Specialty Tier 4 Tier 4 Specialty Tier 1 Tier 1 Specialty Tier 2 Tier 2 Specialty Tier 3 Tier 3 Specialty Tier 4 Tier 4 Specialty Tier 1 Tier 1 Specialty Tier 2 Tier 2 Specialty Tier 3 Tier 3 Specialty Tier 4 Tier 4 Specialty Tier 1 Tier 1 Specialty Tier 2 Tier 2 Specialty Tier 3 Tier 3 Specialty Tier 4 Tier 4 Specialty 10 10 35 150 75 350 250 10 10 35 150 75 350 250 10 10 35 150 75 350 250 500 500 500 Ded then 100 2 5X for 90 day supply 2 5X for 90 day supply 2 5X for 90 day supply 2 5X for 90 day supply Preventive Care Primary 100 N A 100 N A 100 N A 100 N A Screening Immunization Specialist 100 N A 100 N A 100 N A 100 N A Preventive Lab X Ray 100 N A 100 N A 100 N A 100 N A Doctor Office Ded then 100 N A Ded then 80 N A Ded then 100 N A Ded then 100 N A Freestanding Ded then 100 N A Ded then 80 N A Ded then 100 N A Ded then 100 N A Hospital Ded then 100 N A Ded then 80 N A Ded then 100 N A Ded then 100 N A Complex Imaging MRI CT PET Ultrasound Ded then 100 N A Ded then 80 N A Ded then 100 N A Ded then 100 N A Surgery Hospital In Patient Ded then 100 N A Ded then 80 N A Ded then 100 N A Ded then 100 N A Out Patient Ded then 100 N A Ded then 80 N A Ded then 100 N A Ded then 100 N A Lab X Ray Testing Facility Emergency Room 300 Copay then 100 aft ded Copay waived if admitted treated as Hospitalization Urgent Care Facility Convenience Care Clinic Telemedicine Lifetime Maximum 300 Copay then 80 aft ded Copay waived if admitted treated as Hospitalization 300 co then 100 aft ded Copay waived if admitted treated as Hospitalization Ded then 100 If admitted treated as Hospitalization 50 N A 50 N A 50 N A Ded then 100 N A Office Visit copays N A Office Visit Copay N A Office Visit Copay N A Ded then 100 N A Unlimited Unlimited Unlimited Unlimited

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ABRAMS WALT AND ASSOCIATES PLLC DBA CHICAGO TITLE Analysis of Employee Benefits June 1 2026 to May 31 2027 Prepared by Primary Care Insurance Voluntary Dental Plan Benefits UHC Neg Fee Neg Fee Out of network providers will balance bill you Annual Deductible Waived for Preventive Care 50 00 2 000 00 Annual Maximum 0 00 Office Visit Preventative Care Oral Exam Ded waived Bite wing x rays 100 Cleaning Basic Services Fillings Extractions Periodontics Endodontics Oral Surgery Crown Repair 80 after Deductible Major Services Crowns Inlays Bridges 50 after Deductible Orthodontia Child Only Lifetime Max Not covered Voluntary Vision Plan Benefits UHC SH105 Network Frequency Exam Lenses Frames Network Copays Contacts Frames Lenses Covered Lens Options Exams Materials Contact lens fit Follow up Elective Necessary Single Bifocal Trifocal UV Coating Tint Solid Gradient Standard Scratch resistance Standard polycarbonate Anti reflective coating Progressive lens Photochromatic Plastic Polarized Once Every 12 Months Once Every 12 Months Once Every 24 Months In Network Out Network 10 00 Up to 40 10 00 Not covered Up to 40 Not covered Up to 150 Up to 125 Up to 210 10 co then covered at 100 Up to 150 then 30 off balance Up to 45 10 Up to 40 60 80 16 14 10 33 Not covered 30 95 55 250 67 20 off retail

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Where You Go For Health Matters You have choices for receiving in network care that will work with your schedule and also give you access to the kind of care you need Use this chart to help you figure out where to go when you need care Your Options Teladoc Doctor s Office Retail Health Clinic Urgent Care Hospital ER Freestanding ER Use it for Virtual care from a doctor including Rx 24 7 Sick visits exams non emergency care and health screenings Sick visits exams screenings nonurgent care when your doctor is not available Urgent but not lifethreatening care Serious or lifethreatening care Serious or life threatening care except for trauma Allergies Cold Nausea Sinus infections Asthma Pinkeye Example of Rashes Issues or minor burns Services Fever cold and flu Sore throat Minor burns Stomachache Ear or sinus pain Physicals Vaccinations Minor allergic reactions Back pain Cold and flu Sore throat Infections Minor injuries or pain Vaccinations Allergies Sprains or strains Ear or sinus pain Cold and flu Sore throat Infections Minor injuries or pain Vaccinations Allergies Sprains or strains Ear or sinus pain Chest pain stroke Seizures Head or neck injuries Sudden or severe pain Fainting dizziness weakness Uncontrolled bleeding Breathing problems Broken bones Most major injuries except for trauma May also provide imaging and lab services but do not offer trauma or cardiac services requiring catheterization Do not always accept ambulances Cost

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Preventive Care Once an underused component of the health care world that benefits both employees health and employers health care spending preventive care is now a mandatory part of any health benefits package Preventive care consists of measures taken to prevent diseases rather than curing them or treating their symptoms There is significant research demonstrating that increased use of effective preventive services will result in less suffering from ailments that could have been prevented had they been detected and treated early on Preventive care is often more cost effective than treating diseases once symptoms appear Some preventive care services even save more money than it costs to implement them Under the Affordable Care Act ACA private insurers except for plans that have been grandfathered are required to cover certain preventive services without any cost to the patient Medical services such as immunizations screening tests medications and any other services that would prevent disease injury and premature death fall under the umbrella of preventive care Preventive care should be incorporated into employer sponsored health plans to lessen the cost and number of future medical claims by helping employees and their families stay healthy while also complying with the provisions of the ACA Preventive Care for Adults The following types of preventive care are available to all adults within specified age ranges or risk groups Abdominal aortic aneurysm screening A one time screening for abdominal aortic aneurysm by ultrasonography in men ages 65 to 75 who have ever smoked Alcohol misuse screening and counseling A risk assessment available for all adults and voluntary counseling for those who are found to have a substance abuse problem Many do not realize that their alcohol use is excessive and contributes to other health and lifestyle problems Aspirin use Counseling on the use of aspirin for men ages 45 to 79 and women ages 55 to 79 when the potential benefit due to a reduction in myocardial infarctions outweighs the potential harm due to an increase in gastrointestinal hemorrhage Blood pressure screening Routine measurements of adult blood pressure and treatment with anti hypertension medication to prevent cardiovascular disease Hypertension and related complications account for 100 billion in medical costs every year yet only 1 in 3 people with hypertension actually controls it Cholesterol screening Screenings for lipid disorders in men over 35 and women over 45 and treatment with lipid lowering medications to prevent cardiovascular disease One out of 4 adults with high cholesterol will suffer a heart attack and 1 in 3 adults will die from coronary heart disease Screening to detect high cholesterol is effective in identifying those who need medication to control cholesterol levels

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Colorectal cancer screening Screenings for colorectal cancer using fecal occult blood testing sigmoidoscopy or colonoscopy beginning at age 45 and continuing until age 75 The risks and benefits of these screening methods vary About 19 000 diagnoses could be prevented annually if people get screened yet only one third of adults complete regular screenings Depression screenings Screenings for depression when staff assisted depression care supports are in place to ensure accurate diagnosis and effective treatment and follow up Diabetes screening Screenings for adults 40 to 70 years who are overweight or obese Diet counseling Intensive behavioral dietary counseling for adult patients with hyperlipidemia and other known risk factors for cardiovascular and diet related chronic disease Intensive counseling can be delivered by primary care clinicians or by referral to other specialists such as nutritionists or dietitians HIV screenings Screenings for everyone ages 15 to 65 and other ages at increased risk Obesity screening and counseling Screening for all adults clinicians should offer or refer patients with a body mass index BMI of 30 or higher to intensive multi component behavioral interventions Sexually transmitted infection STI prevention counseling Counseling for adults at higher risk Syphilis screening Screenings for adults at greater risk Tobacco use screening Screenings for adults at higher risk tobacco users may receive intervention and cessation support A comprehensive effective smoking cessation program usually costs less than 50 cents per member per month or less than 6 per member per year You can save an average of 210 on yearly health care costs for each smoker who quits Vaccinations Shots for hepatitis A hepatitis B herpes zoster human papillomavirus HPV influenza measles mumps rubella meningitis pneumococcal disease tetanus diphtheria pertussis and varicella doses recommended ages and populations vary Preventive Care for Women In addition to the services listed above the ACA also mandates coverage for the following preventive services for adult women as part of all non grandfathered health plans Anemia screening Screenings for iron deficiency in pregnant women Breast cancer genetic test counseling BRCA Screenings designed to identify women with increased risk of developing breast cancer due to family history Women with positive screening results should receive genetic counseling and if indicated after counseling BRCA testing Breast cancer mammography screening Mammograms for women age 40 or over every one to two years with or without clinical breast examination Breast cancer chemoprevention Discussions with clinicians about benefits risks and adverse effects of chemoprevention for women at high risk of developing breast cancer

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Breastfeeding support and counseling Guidance from trained providers and access to breastfeeding supplies for pregnant and nursing women Cervical cancer screening Screenings for cervical cancer in women ages 21 to 65 with a Pap smear every three years for women who want to lengthen the screening interval screenings with a combination of Pap smear and HPV testing every five years for women ages 30 to 65 Chlamydia infection screening Screenings for chlamydial infection in all sexually active nonpregnant young women age 24 years and younger and for older nonpregnant women who are at increased risk Contraception U S Food and Drug Administration approved contraceptive methods sterilization procedures and patient education and counseling as prescribed by a health care provider for women with reproductive capacity It does not include abortifacient drugs This does not apply to health plans sponsored by certain exempt religious employers Domestic and interpersonal violence screening and counseling Screenings for women of childbearing age for intimate partner violence such as domestic violence and provision of or referral to intervention services Folic acid supplements A supplement for women who are pregnant or planning to become pregnant Gestational diabetes screening Screenings for women 24 to 28 weeks pregnant and those at high risk of developing gestational diabetes Gonorrhea screening Screenings for all sexually active women including those who are pregnant for gonorrhea infection if they are at increased risk Hepatitis B screening Screenings for pregnant women at first prenatal visit Human papillomavirus HPV DNA test Screenings every three years for women with normal Pap smear results who are 30 or older for women who want to lengthen the screening interval screenings with a combination of Pap smear and HPV testing every five years for women ages 30 to 65 Osteoporosis screening Screenings for women at high risk of developing osteoporosis starting at age 60 and for all women beginning at age 65 RH incompatibility screening Testing for pregnant women at their first doctor visit after becoming pregnant and again at 24 to 28 weeks Urinary tract or other infection screening Screenings for pregnant women Well woman visits Annual visits for adult women to obtain the recommended preventive services including preconception and prenatal care

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Preventive Care for Children Most health plans must also cover a set of preventive health services for children These services must be provided at no cost to beneficiaries if they are requested from and delivered by an in network provider Autism screening Behavioral screenings for children at 18 to 24 months Behavioral assessments Screenings for children at the following ages 0 to 11 months 1 to 4 years 5 to10 years 11 to 14 years and 15 to 17 years Blood pressure screening Testing for children at the following ages 0 to 11 months 1 to 4 years 5 to 10 years 11 to 14 years and 15 to 17 years Cervical dysplasia screening Testing for sexually active females Depression screening Assessments for adolescents Developmental screening Learning assessments for children under age 3 Dyslipidemia screening Testing for children at higher risk of lipid disorders at the following ages 1 to 4 years 5 to 10 years 11 to 14 years and 15 to 17 years Fluoride chemoprevention supplements Supplements for children without fluoride in their water source Gonorrhea preventive medication Medication for newborns to prevent conjunctivitis caused by gonorrheal bacteria Hearing screening Screenings for all newborns Height weight and body mass index Measurements for children at the following ages 0 to 11 months 1 to 4 years 5 to 10 years 11 to 14 years and 15 to 17 years Hematocrit or hemoglobin screening Testing for anemia for all children HIV screening Testing for high risk adolescents Hypothyroidism screening Testing for underactive thyroid for newborns Iron supplements Supplements for children ages 6 to 12 months at risk for anemia Lead screening Testing for children at risk of exposure Obesity screening and counseling Screening for children beginning at age 6 and referral to comprehensive intensive behavioral interventions to promote improvement in weight status Oral health risk assessment Screening for young children ages 0 to 11 months 1 to 4 years and 5 to 10 years Phenylketonuria PKU screening Testing for this genetic disorder in newborns STI prevention counseling and screening Screening for high risk adolescents Tuberculin testing Screening for children at higher risk of tuberculosis at the following ages 0 to 11 months 1 to 4 years 5 to 10 years 11 to 14 years and 15 to 17 years

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Further if you decline enrollment for yourself or eligible dependents including your spouse while Medicaid coverage or coverage under a State CHIP program is in effect you may be able to enroll yourself and your dependents in this plan if Coverage is lost under Medicaid or a State CHIP program or You or your dependents become eligible for a premium assistance subsidy from the State In either case you must request enrollment within 60 days from the loss of coverage or the date you become eligible for premium assistance To request special enrollment or obtain more information contact person listed at the end of this summary Statement of Erisa Rights As a participant in the Plan you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 ERISA ERISA provides that all participants shall be entitled to Receive Information about Your Plan and Benefits Examine without charge at the Plan Administrator s office and at other specified locations the Plan and Plan documents including the insurance contract and copies of all documents filed by the Plan with the U S Department of Labor if any such as annual uired reports and Plan descriptions Obtain copies of the Plan documents and other Plan information upon written request to the Plan Administrator The Plan Administrator may make a reasonable charge for the copies Receive a summary of the Plan s annual financial report if required to be furnished under ERISA The Plan Administrator is req by law to furnish each participant with a copy of this summary annual report if any Continue Group Health Plan Coverage If applicable you may continue health care coverage for yourself spouse or dependents if there is a loss of coverage under the plan as a result of a qualifying event You and your dependents may have to pay for such coverage Review the summary plan description and the documents governing the Plan for the rules on COBRA continuation of coverage rights Prudent Actions by Plan Fiduciaries In addition to creating rights for participants ERISA imposes duties upon the people who are responsible for operation of the Plan These people called fiduciaries of the Plan have a duty to operate the Plan pruden ly and in the interest of you and other Plan participants No one including the Company or any other person may fire you or discriminate against you in any way to prevent you from obtaining welfare benefits or exercising your rights under ERISA

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Enforce your Rights If your claim for a welfare benefit is denied in whole or in part you must receive a written explanation of the reason for the denial You have a right to have the Plan review and reconsider your claim Under ERISA there are steps you can take to enforce these rights For instance if you request materials from the Plan Adminis trator and do not receive them within 30 days you may file suit in federal court In such a case the court may require the Plan Administrator to provide the materials and pay you up to 152 per day up to a 1 527 cap per request until you receive the materials unless the materials were not sent due to reasons beyond the control of the Plan Administrator If you have a claim for benefits which is denied or ignored in whole or in part and you have exhausted the available claims procedures under the Plan you may file suit in a state or federal court If it should happen that Plan fiduciaries misuse the Plan s money or if you are discriminated against for asserting your rights you may seek assistance from the U S Department of Labor or you may file suit in a federal court The court will decide who should pay court costs and legal fees If you are successful the court may order the person you have sued to pay these costs and fees If you lose for example if the court finds your claim is frivolous the court may order you to pay these costs and fees Assistance with your Questions If you have any questions about your Plan this statement or your rights under ERISA you should contact the nearest office of the Employee Benefits and Security Administration U S Department of Labor listed in your telephone directory or the Division of Technical Assistance and Inquiries Employee Benefits and Security Administration U S Department of Labor 200 Constitution Avenue N W Wash ington D C 20210

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Deductions per year 24 These rates were prepared on 5 13 2024 and are valid for 90 days Group Disability for TX AAA Risk Class Applicable to policy forms GDIS P GDIS C l Off Job Accident and Off Job Sickness 3 Month Benefit Period ELIMINATION PERIOD 7 days Accident 7 days Sickness 14 days Accident 14 days Sickness ISSUE AGE 400 1 000 2 000 2 500 3 000 17 49 50 64 65 74 17 49 50 64 65 74 4 86 5 60 6 78 3 14 3 68 4 72 12 15 14 00 16 95 7 85 9 20 11 80 24 30 28 00 33 90 15 70 18 40 23 60 30 38 35 00 42 38 19 63 23 00 29 50 36 45 42 00 50 85 23 55 27 60 35 40 ISSUE AGE 400 1 000 2 000 2 500 3 000 17 49 50 64 65 74 17 49 50 64 65 74 6 14 8 10 10 54 4 28 5 40 7 20 15 35 20 25 26 35 10 70 13 50 18 00 30 70 40 50 52 70 21 40 27 00 36 00 38 38 50 63 65 88 26 75 33 75 45 00 46 05 60 75 79 05 32 10 40 50 54 00 monthly benefit amount 6 Month Benefit Period ELIMINATION PERIOD 7 days Accident 7 days Sickness 14 days Accident 14 days Sickness monthly benefit amount Group Accident GAC4100 for TX Applicable to policy forms GAC4100 P GAC4100 C l Additional Benefits On Off Job Accident Coverage BENEFIT LEVEL AD D BENEFIT LEVEL ISSUE AGE Premier Premier Not Included Preferred 17 99 17 99 EMPLOYEE EMPLOYEE AND SPOUSE EMPLOYEE AND DEPENDENT CHILD REN EMPLOYEE SPOUSE AND DEPENDENT CHILD REN 6 46 7 55 9 89 11 73 15 60 17 10 19 10 21 38 Group Medical Bridge GMB7000 for TX Age Banded Applicable to Policy Forms GMB7000 P GMB7000 C l Without Wellbeing Assistance Outpatient Surgical Procedure Option 1 500 1000 1500 HOSPITAL CONFINEMENT LEVEL ISSUE AGE NAMED INSURED EMPLOYEE SPOUSE ONE PARENT FAMILY TWO PARENT FAMILY Level 2 1000 17 49 50 59 60 64 65 99 7 50 10 38 13 95 18 38 13 83 20 48 28 63 38 18 11 71 14 58 18 16 22 58 18 03 24 68 32 83 42 38 HOSPITAL CONFINEMENT LEVEL ISSUE AGE NAMED INSURED EMPLOYEE SPOUSE ONE PARENT FAMILY TWO PARENT FAMILY Level 4 2000 17 49 50 59 12 20 16 48 22 28 32 58 18 41 22 68 28 48 38 78 Page 1 of 4 Underwritten by Colonial Life Accident Insurance Company See page 4 for Important Notice

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Continued Group Medical Bridge GMB7000 for TX Age Banded Applicable to Policy Forms GMB7000 P GMB7000 C l Without Wellbeing Assistance Outpatient Surgical Procedure Option 1 500 1000 1500 HOSPITAL CONFINEMENT LEVEL ISSUE AGE NAMED INSURED EMPLOYEE SPOUSE ONE PARENT FAMILY TWO PARENT FAMILY 60 64 65 99 22 50 30 38 46 43 63 13 28 71 36 58 52 63 69 33 Applicable to policy forms GCI6000 P GCI6000 C R GCI6000 CB R GCI6000 BB R GCI6000 HB R GCI6000 INF R GCI6000 PD Group Critical Illness GCI6000 for TX l Plan 2 Critical Illness Cancer Wellbeing Assistance Benefit 50 Benefit Non Tobacco Rates 15 000 30 000 ISSUE AGE NAMED INSURED NAMED INSURED AND SPOUSE NAMED INSURED AND DEPENDENT CHILD REN NAMED INSURED SPOUSE AND DEPENDENT CHILD REN 17 24 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 74 17 24 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 74 4 45 5 73 7 08 10 08 13 08 18 03 22 90 29 65 39 93 48 63 48 63 7 45 10 00 12 70 18 70 24 70 34 60 44 35 57 85 78 40 95 80 95 80 6 53 8 48 10 43 15 00 19 50 27 15 34 80 45 08 60 68 74 03 74 03 10 80 14 70 18 60 27 75 36 75 52 05 67 35 87 90 119 10 145 80 145 80 4 45 5 73 7 08 10 08 13 08 18 03 22 90 29 65 39 93 48 63 48 63 7 45 10 00 12 70 18 70 24 70 34 60 44 35 57 85 78 40 95 80 95 80 6 53 8 48 10 43 15 00 19 50 27 15 34 80 45 08 60 68 74 03 74 03 10 80 14 70 18 60 27 75 36 75 52 05 67 35 87 90 119 10 145 80 145 80 Page 2 of 4 Underwritten by Colonial Life Accident Insurance Company See page 4 for Important Notice

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Continued Applicable to policy forms GCI6000 P GCI6000 C R GCI6000 CB R GCI6000 BB R GCI6000 HB R GCI6000 INF R GCI6000 PD Group Critical Illness GCI6000 for TX l Plan 2 Critical Illness Cancer Wellbeing Assistance Benefit 50 Benefit Tobacco Rates 15 000 30 000 ISSUE AGE NAMED INSURED NAMED INSURED AND SPOUSE NAMED INSURED AND DEPENDENT CHILD REN NAMED INSURED SPOUSE AND DEPENDENT CHILD REN 17 24 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 74 17 24 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 74 6 25 8 35 10 45 15 25 20 05 27 93 35 73 46 53 62 95 76 90 76 90 11 05 15 25 19 45 29 05 38 65 54 40 70 00 91 60 124 45 152 35 152 35 9 08 12 23 15 38 22 58 29 85 42 08 54 30 70 80 95 78 117 00 117 00 15 90 22 20 28 50 42 90 57 45 81 90 106 35 139 35 189 30 231 75 231 75 6 25 8 35 10 45 15 25 20 05 27 93 35 73 46 53 62 95 76 90 76 98 11 05 15 25 19 45 29 05 38 65 54 40 70 00 91 60 124 45 152 35 152 50 9 08 12 23 15 38 22 58 29 85 42 08 54 30 70 80 95 78 117 00 117 08 15 90 22 20 28 50 42 90 57 45 81 90 106 35 139 35 189 30 231 75 231 90 Term Life ITL5000 for TX Applicable to policy form ITL5000 l 20 Year Term Base Plan Non Tobacco Rates ISSUE AGE 10 000 25 000 50 000 75 000 100 000 25 35 45 55 65 3 36 3 85 4 84 9 03 20 50 5 39 6 62 9 11 19 57 30 77 5 27 5 79 10 90 23 17 59 54 6 91 7 69 15 35 33 75 88 31 8 54 9 59 19 79 44 33 117 08 ISSUE AGE 10 000 25 000 50 000 75 000 100 000 25 35 45 55 65 5 24 5 86 7 95 16 97 35 07 10 11 11 65 16 87 39 42 51 84 9 11 10 31 22 73 53 02 101 69 12 66 14 47 33 10 78 53 151 53 16 21 18 63 43 46 104 04 201 37 Tobacco Rates Page 3 of 4 Underwritten by Colonial Life Accident Insurance Company See page 4 for Important Notice

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Continued Term Life ITL5000 for TX Applicable to policy form ITL5000 l 20 Year Term Base Plan 20 Year Spouse Term Life Benefit ISSUE AGE 10 000 20 000 30 000 40 000 50 000 25 35 45 1 18 1 41 3 28 2 36 2 81 6 56 3 54 4 21 9 84 4 72 5 62 13 12 5 90 7 02 16 40 Children s Term Life Benefit ISSUE AGE 10 000 20 000 0 18 2 50 5 00 Important Notice Insurance coverage has exclusions and limitations that may affect benefits payable For a complete description of benefits limitations and exclusions please refer to an outline of coverage sample policy certificate proposal description or see your Colonial Life benefits counselor Coverage type benefits and rates vary by state Coverage may not 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 Page 4 of 4 Underwritten by Colonial Life Accident Insurance Company See page 4 for Important Notice

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Group Disability Insurance You never know when a disability could impact your way of life Fortunately there s a way to help protect your income If a covered accident or sickness prevents you from earning a paycheck disability insurance can provide a monthly benefit to help you cover your ongoing expenses Can you afford to not protect your income You don t have the same lifestyle expenses as the next person That s why you need disability coverage that can be customized to fit your specific needs After calculating your monthly expenses your benefits counselor can help you complete the benefits worksheet MONTHLY EXPENSES Round to the nearest hundred ColonialLife com 1 Rent or mortgage 2 Transportation 3 Utilities phone internet electricity gas water etc 4 Food and necessities 5 Other expenses Total monthly expenses add lines 1 5 together Benefits worksheet How much coverage do I need Monthly benefit amount for off job accident and off job sickness ______________ Choose a monthly benefit amount between 400 and 7 500 If your plan includes on job accident sickness benefits the benefit is 50 of the off job amount What is the benefit period Benefit period _______ months The partial disability benefit period is three months When may my total disability benefits start After an accident _______ days After a sickness _______ days Subject to income requirements GROUP DISABILITY BASE

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Product information and features Total disability Totally disabled or total disability means you are unable to perform the material and substantial duties of your regular occupation not working at any occupation and under the regular and appropriate care of a doctor Partial disability If you are able to return to work part time after at least 14 days of being paid for a total disability you may be able to still receive 50 of your total disability benefit Waiver of premium We will waive your premium payments after 90 consecutive days of a covered disability Geographical limitations If you are disabled while outside of the United States Mexico or Canada you may receive benefits for up to 60 days before you have to return to the U S Issue age Coverage is available from ages 17 to 74 Portability You may be able to keep your coverage even if you change jobs For more information talk with your benefits counselor EXCLUSIONS AND LIMITATIONS We will not pay benefits for losses that are caused by contributed to by or occur as the result of alcoholism or drug addiction felonies or illegal occupations flying hazardous avocations intoxicants and narcotics psychiatric or psychological conditions racing semi professional or professional sports suicide or injuries which you intentionally do to yourself war or armed conflict We will not pay for losses due to you giving birth within the first nine months after the coverage effective date of the certificate We will not pay for loss when the disability is a pre existing condition as described in the certificate Pre Existing Condition means a sickness or physical condition whether diagnosed or not for which you were treated had medical testing received medical advice or had taken medication within 12 months before the coverage effective date We will not pay for loss when the disability is a pre existing condition as defined in this certificate unless you have satisfied the pre existing condition limitation period typically 12 months shown on the Certificate Schedule on the date you suffer a loss due to a covered accident or covered sickness For cost and complete details see your Colonial Life benefits counselor Applicable to policy form GDIS P EE TX and certificate form GDIS C EE TX This is not an insurance contract and only the actual policy and certificate provisions will control 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 10 19 101296 3

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Group Accident Insurance Our coverage includes Premier Plan If you are in an accident your focus should be on recovery not how you re going to pay your bills Colonial Life accident insurance can pay benefits directly to you to use however you like from medical costs to everyday expenses Whether you ve had a fall or a car accident these benefits can offer financial support when you need it Benefits payable directly to you No medical questions to qualify for coverage Coverage for simple and complex injuries Benefits payable regardless of other insurance Worldwide coverage BENEFITS STORY Works alongside your Health Savings Account HSA Milo was working in his yard when he tripped and injured his hand With Colonial Life accident benefits Milo was able to pay the annual deductible and co payments for his health insurance plan without using his savings or taking on debt MILO S ACCIDENT BENEFITS Milo went to an urgent care facility and received immediate care Treatment in a physician s office or urgent care facility The doctor ordered an X ray and discovered Milo had fractured his hand X ray Fracture hand The doctor also found that Milo had a cut on his hand but did not require stitches Laceration no repair 75 Milo was discharged with a splint Durable medical equipment 65 Over the next several weeks Milo had two follow up appointments with his doctor Physician follow up visits 2 visits For illustrative purposes only Benefit amounts may vary and may not cover all expenses Total 150 60 1 200 50 x 2 100 1 650 GROUP ACCIDENT GAC4100 PREMIER PLAN

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Give your benefits a boost We know that more complicated or severe accidents result in more expensive medical bills and more disruption in your life Group Accident includes a Benefit Booster to provide additional financial support for serious accidents If you have more than 5 000 in payable benefits for a covered accident we will give you a 500 boost to your benefits to help you with whatever expenses you have Payable once per Insured per covered accident BENEFITS STORY Olivia was driving to the store when she got into a car accident Olivia s benefits helped her cover her medical expenses when she was injured in a car accident helping her to focus on her recovery OLIVIA S ACCIDENT BENEFITS 400 250 250 Olivia arrived by ambulance at the nearest emergency room and received immediate care Ambulance Emergency department visit Injury due to auto accident The doctor ordered an X ray and discovered Olivia had fractured her thigh femur He also ordered a CT scan of her head to check for brain injury X ray Medical imaging Fracture thigh 60 400 4 200 Olivia required surgery for her leg Surgical repair thigh fracture General anesthesia 4 200 300 Olivia boarded her pet for two nights after her surgery Pet boarding 2 days 20 x 2 40 Olivia had eight sessions of physical therapy to help regain the strength in her leg and two follow up appointments with her doctor Therapy services 8 sessions Physician follow up visits 2 visits 55 x 8 440 50 x 2 100 Olivia s benefits for this accident totaled more than 5 000 Benefit Booster For illustrative purposes only Benefit amounts may vary and may not cover all expenses Total 500 11 140 Benefits are per covered person per covered accident unless stated otherwise Injury benefits Burns based on size and degree 750 21 000 Concussion 500 Connective tissue damage 100 200 Eye injury 400 Hearing loss injuries 120 Maximum once per lifetime per ear per insured Injury due to auto accident 250 Internal injuries 200 Knee cartilage meniscus injury 200 Lacerations 75 1 200 Loss of a digit partial 400 800 Loss of a digit 1 000 3 000 Ruptured or herniated disc 200 400

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Fracture benefits Injury 200 5 000 Examples finger 200 wrist 1 200 hip 4 200 Surgical repair of fracture 100 Payable as an additional of the applicable fractures benefit Chip fracture 25 Payable as a of the applicable fractures benefit Dislocation benefits Injury 260 4 000 Examples elbow 600 ankle 1 600 hip 4 000 Surgical repair of dislocation 100 Payable as an additional of the applicable dislocations benefit Incomplete dislocation 25 Payable as a of the applicable dislocations benefit Treatment benefits Prosthetic device or artificial limb 1 750 3 500 Skin grafts due to burns 50 Payable as a of the applicable burn benefit Skin grafts not due to burns 375 750 Transfusions 500 Transportation 200 per trip Maximum 6 one way trips Treatment in a physician s office or urgent care facility 150 Maximum 4 per year X ray or ultrasound 60 Surgery benefits Anesthesia 150 300 Connective tissue surgery 150 2 200 Eye surgery 400 General surgery Abdominal thoracic or cranial 2 000 Air ambulance 2 000 Exploratory surgery 275 Ambulance ground or water 400 Hernia surgery 400 Durable medical equipment 65 250 Knee cartilage meniscus surgery 150 1 050 Emergency dental repair 200 600 Outpatient surgical facility 400 Emergency department 250 Maximum 4 per year Ruptured or herniated disc surgery 150 2 000 Family care 50 per day Maximum of one benefit per day for all insureds combined up to a maximum of three days per covered accident regardless of the number of children Injections to prevent or limit infection 50 Lodging 250 per day Maximum 30 days Medical imaging 400 Pain management injections 150 Pet boarding 20 per day Maximum of one benefit per day for all insureds combined up to a maximum of three days per covered accident regardless of the number of pets that are boarded Recovery care benefits At home care 125 per day Maximum 5 days Benefit Booster 500 Physician follow up visits 50 Maximum 6 days per covered accident and 24 days per calendar year Rehabilitation or sub acute rehabilitation unit confinement 200 per day Maximum 15 days per covered accident and 30 days per calendar year Therapy services speech physical therapy occupational therapy 55 per day Maximum 15 days Options checked below have been chosen by your employer to enhance your Group Accident Coverage Recovery Plus package Gunshot wound benefit Behavioral health therapy 55 per day Maximum 15 days This benefit can help pay your medical expenses if you receive a non fatal gunshot wound It offers you a lump sum for a covered injury regardless of any other insurance you may have and includes on off job coverage Post traumatic stress disorder PTSD 200 Prescription drug 25 Additional therapy services chiropractic acupuncture alternative therapy 55 Existing therapy services benefit maximum applies to additional therapy services maximum 15 days Injury due to felonious act of violence or sexual assault 250 Maximum once per insured per calendar year with an accompanying police report Gunshot wound _________ This benefit covers a non fatal gunshot wound from a conventional firearm that requires treatment by a doctor and overnight hospitalization within 24 hours of the injury If you are shot more than once in a 24 hour period we can pay benefits only for the first wound

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Contact your Colonial Life benefits counselor to learn more CT We will pay the air ambulance or ambulance benefits directly to the licensed professional ambulance company CT includes a benefit for outpatient emergency medical care for accidental ingestion of a controlled substance The at home care benefit maximum is 80 days KS Chiropractic therapy is not available NH NH includes a burn benefit for 2nd degree burns under 5 of skin surface The minimum benefit for the loss or partial loss of a digit is 1 000 MD The prescription drug benefit is not available PA The pet boarding benefit is not available TN The therapy services benefit includes chiropractic TX The concussion benefit is replaced by the concussion and acquired brain injuries benefit The therapy services benefit includes the following services cognitive communication therapy cognitive rehabilitation therapy community reintegration services neurobehavioral neurocognitive therapy and rehabilitation neurofeedback therapy neurophysiological neuropsychological post acute transition services psychophysiological testing or treatment and remediation HEALTH SAVINGS ACCOUNT HSA COMPATIBLE This plan is compatible with HSA guidelines and any other HSA plan in which a covered family member may participate It may also be offered to employees who do not have HSAs THIS INSURANCE PROVIDES LIMITED BENEFITS This coverage is a supplement to health insurance It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law Insureds in some states must be covered by comprehensive health insurance before applying for this insurance EXCLUSIONS We will not pay benefits for claims that are caused by contributed to by or resulting from elective procedures felonies or illegal occupations hazardous avocations impaired driving incarceration racing semiprofessional or professional sports sickness suicide or self inflicted injuries war or armed conflict ID Semi professional sports or professional sports exclusion is replaced by professional sports exclusion IL We will not pay benefits for claims that are caused by or resulting from Exclusions MD Includes an exclusion for Prohibited referrals The felonies or illegal occupations and impaired driving exclusions apply only to Accidental Death and Dismemberment benefits MI Impaired driving and suicide or self inflicted injuries exclusions do not apply MN Suicide or self inflicted injuries exclusion does not apply NH Incarceration and racing exclusions do not apply UT We will not pay benefits for claims that are caused by or resulting from Exclusions VT Impaired driving exclusion does not apply 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 GAC4100 P and certificate form GAC4100 C including state abbreviations where used for example GAC4100 P TX and GAC4100 CTX For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company Underwritten by Colonial Life Accident Insurance Company Columbia SC 2023 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company ColonialLife com FOR EMPLOYEES 3 23 1212553

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Group Hospital Indemnity Insurance Plan 2 Group Medical BridgeSM 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 1 000 or 2 000 per day Hospital confinement _______________ 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 Diagnostic procedure _______________ per day Maximum of one day per covered person per calendar year Outpatient surgical procedure 500 per day Tier 1 _______________ 1 000 Tier 2 _______________ per day 1 500 Maximum of ________________ per covered person per calendar year for Tier 1 and 2 combined Maximum of one day per outpatient surgical procedure Diagnostic procedures For more information talk with your benefits counselor ColonialLife com The following is a list of common diagnostic procedures that may be covered if the diagnostic procedure benefit is selected Breast Biopsy incisional needle stereotactic Liver Biopsy Cardiac Angiogram Arteriogram Thallium stress test Transesophageal echocardiogram TEE Lymphatic Biopsy Diagnostic radiology Computerized tomography scan CT scan Electroencephalogram EEG Magnetic resonance imaging MRI Myelogram Nuclear medicine test Positron emission tomography scan PET scan Digestive Barium enema lower GI series Barium swallow upper GI series Esophagogastroduodenoscopy EGD Renal Biopsy Respiratory Biopsy Bronchoscopy Pulmonary function test PFT Skin Biopsy Excision of lesion Thyroid Biopsy Urologic Cystoscopy Ear nose throat mouth Laryngoscopy Gynecological Amniocentesis Cervical biopsy Cone biopsy Endometrial biopsy Miscellaneous Bone marrow aspiration biopsy Hysteroscopy Loop electrosurgical excisional procedure LEEP GMB7000 PLAN 2

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The procedures listed below are only a sampling of the procedures that may be covered if the outpatient surgical procedure benefit is selected Procedures must be performed by a doctor in a hospital or ambulatory surgical center For complete details and definitions refer to your certificate Tier 1 outpatient surgical procedures Breast Axillary node dissection Breast capsulotomy Lumpectomy Gynecological Dilation and curettage D C Endometrial ablation Lysis of adhesions Cardiac Pacemaker insertion Liver Paracentesis Digestive Colonoscopy Fistulotomy Hemorrhoidectomy Lysis of adhesions Musculoskeletal system Carpal cubital repair or release Foot surgery bunionectomy exostectomy arthroplasty hammertoe repair Removal of orthopedic hardware Removal of tendon lesion Ear nose throat mouth Adenoidectomy Removal of oral lesions Myringotomy Tonsillectomy Tracheostomy Tympanotomy Skin Laparoscopic hernia repair Skin grafting Tier 2 outpatient surgical procedures Breast Breast reconstruction Breast reduction Gynecological Hysterectomy Myomectomy Cardiac Angioplasty Cardiac catheterization Musculoskeletal system Arthroscopic knee surgery with meniscectomy knee cartilage repair Arthroscopic shoulder surgery Clavicle resection Dislocations open reduction with internal fixation Fracture open reduction with internal fixation Removal or implantation of cartilage Tendon ligament repair Digestive Exploratory laparoscopy Laparoscopic appendectomy Laparoscopic cholecystectomy Ear nose throat mouth Ethmoidectomy Mastoidectomy Septoplasty Stapedectomy Tympanoplasty ColonialLife com Eye Cataract surgery Corneal surgery penetrating keratoplasty Glaucoma surgery trabeculectomy Vitrectomy Thyroid Excision of a mass Urologic Lithotripsy Colonoscopy must result in polyp removal or be recommended by a physician for the purposes of treating or diagnosing a sickness If a covered family member has a qualified high deductible health plan HDHP and actively contributes to a health savings account HSA their HSA can be disqualified with this coverage THIS POLICY PROVIDES LIMITED BENEFITS PRE EXISTING CONDITION LIMITATION We will not pay benefits for loss during the first 12 months after the certificate effective date due to a pre existing condition 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 This information is not intended to be a complete description of the insurance coverage available This coverage has exclusions and limitations that may affect benefits payable For cost and complete details see your Colonial Life benefits counselor This brochure is applicable to policy forms GMB7000 P and GMB7000 P TX Coverage may vary by state and may not be available in all states 2016 Colonial Life Accident Insurance Company Columbia SC Colonial Life insurance products are underwritten by Colonial Life Accident Insurance Company for which Colonial Life is the marketing brand 6 16 101732

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Group Hospital Indemnity Insurance Exclusions and Limitations General 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 covered person s Addiction to alcohol or drugs except for drugs taken as prescribed by his physician Treatment for dental care or dental procedures unless treatment is the result of a covered accident Undergoing elective procedures or cosmetic surgery This includes procedures or hospital confinement for complications arising from elective or cosmetic surgery This does not include congenital birth defects or anomalies of a child or reconstructive surgery related to a covered sickness or injuries received in a covered accident Committing or attempting to commit a felony or engaging in an illegal occupation Having a disorder including but not limited to affective disorders neurosis anxiety stress and adjustment reactions Alzheimer s disease and other organic senile dementias are not considered mental or nervous disorders This exclusion does not apply to inpatient mental and nervous benefit if included Dependent child s pregnancy including services rendered to her child after birth Committing or trying to commit suicide or his injuring himself intentionally whether he is sane or not Being exposed to war or any act of war declared or undeclared or serving in the armed forces of any country or authority Losses as a result of acts of terrorism or nuclear release committed by individuals or groups will not be excluded from coverage unless the covered person who suffered the loss committed the act of terrorism or nuclear release Hospital confinement limitations We will not pay benefits for hospital confinement or daily hospital confinement if included due to any covered person giving birth within the first nine 9 months after the coverage effective date of the certificate as a result of a normal pregnancy including cesarean Complications of pregnancy will be covered to the same extent as any other covered sickness KS no birth limitation TN adds that complications of pregnancy are those conditions requiring treatment whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or caused by pregnancy These include but are not limited to acute nephritis nephrosis cardiac decompensation missed abortion and similar medical and surgical conditions of comparable severity This does not include false labor morning sickness hyperemesis gravaidarum and similar conditions associated with the management of a difficult pregnancy ColonialLife com VA adds that pregnancy resulting from the act of 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 seven day 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 We will not pay benefits for hospital confinement or daily hospital confinement if included of a newborn child following his birth unless he is injured or sick AR no well baby care limitation CA well baby care limitation has special wording that differs from language above MD no well baby care limitation GMB7000 EXCLUSIONS AND LIMITATIONS

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Additional state specific exclusions and limitations In the following states we will not pay any benefits for injuries or sicknesses which are caused by contributed to by or occur as a result of the covered person s AK LA MS and TX being intoxicated or under the influence of any narcotic unless administered on the advice of his doctor physician This replaces the alcoholism or drug addiction exclusion above AR having a disorder including neurosis psychoneurosis psychopathy psychosis or mental or emotional disease or disorder of any kind Alzheimer s disease and other organic senile dementias are not considered mental or nervous disorders This exclusion does not apply to inpatient mental and nervous benefit if included CA We will not pay any benefits for injuries or sicknesses which are caused by contributed to by or occurs as a result of the covered person s having a treatment for dental care or dental procedures unless treatment is the result of a covered injury Intoxicants and Controlled Substances exclusion has been added and means any covered person being intoxicated or under the influence of any controlled substance unless administered on the advice of a physician Suicide exclusion has special language DE no alcoholism or drug addiction exclusion KS being intoxicated or under the influence of any narcotic unless administered on the advice of his physician This replaces the alcoholism or drug addiction exclusion above The war or armed conflict exclusion is defined as being exposed to war or any act of war declared or undeclared or serving in the armed forces of any country or authority KY being intoxicated or under the influence of any narcotic or any hallucinogenic unless administered on the advice of his physician This replaces the alcoholism or drug addiction exclusion above MD no alcoholism or drug addiction exclusion no felonies or illegal occupations exclusions no birth limitation MD s elective procedures and cosmetic surgery adds the treating provider acting independently from us shall determine whether a procedure is elective or cosmetic Pregnancy or a dependent child adds However complications of pregnancy of a dependent child will be covered to the same extent as any other covered sickness Prohibited Practitioner Referral means the policy will not provide payment of any claim bill or other demand or request for payment for health care service provided as a result of a referral prohibited by the Health Occupation Article MD s suicide exclusion is defined as committing or trying to commit suicide or his injuring himself intentionally while sane or insane The war or armed conflict exclusion is defined as being exposed to war or any act of war declared or undeclared or serving in the armed forces of any country or authority MO addiction to drugs except for drugs taken as prescribed by his physician and participating or attempting to participate in illegal activities This replaces the alcoholism and drug addiction and felonies or illegal occupations exclusions above MO s pregnancy of a dependent child exclusion adds that complications of pregnancy will be covered to the same extent as any other covered sickness MO s suicide exclusion is defined as committing or trying to commit suicide or his injuring himself intentionally while sane NE commission of or attempting to commit a felony or to which a contributing cause was the covered person engaging in an illegal occupation This replaces the felonies or illegal occupations exclusion above OH no pregnancy of a dependent child exclusion The birth limitation is the first 270 days after the chronic energy deficiency CED rather than the first nine months OK being exposed to war or any act of war declared or undeclared while serving in the military or an auxiliary unit attached to the military or working in an area of war whether voluntarily or as required by an employer This replaces the war exclusion above OK s pregnancy of a dependent child exclusion adds complications of pregnancy including cesarean births will be covered to the same extent as any other sickness SD committing a felony or engaging in an illegal occupation In SD there s no alcoholism or drug addiction exclusion This replaces the felonies or illegal occupations exclusion above TN treatment for dental care or dental procedures unless treatment is the result of a covered accident except for covered expenses for procedures performed on a minor eight years or younger that cannot be safely performed in a dental office setting There s no pregnancy of a dependent child exclusion UT being addicted to alcohol or drugs that contribute to cause the loss or are over the legal limit unless you are addicted to a narcotic taken on the advice of a physician voluntarily participating in committing or attempting to commit a felony or engaging in an illegal occupation having a neurosis psychoneurosis psychopathy psychosis or any other mental or emotional disease or disorder which does not have a demonstrable organic cause This exclusion does not apply to inpatient mental and nervous benefit if included This information is not intended to be a complete description of the insurance coverage available This coverage has exclusions and limitations that may affect benefits payable For cost and complete details see your Colonial Life benefits counselor This brochure is applicable to policy forms GMB7000 P including state abbreviations where used for example GMB7000 P TX Coverage may vary by state and may not be available in all states 2016 Colonial Life Accident Insurance Company Columbia SC Colonial Life insurance products are underwritten by Colonial Life Accident Insurance Company for which Colonial Life is the marketing brand 12 16 101733 1

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Group Critical Illness Insurance Plan 2 When life takes an unexpected turn your focus should be on recovery not finances Colonial Life s group critical illness insurance helps relieve financial worries by providing a lump sum benefit payable directly to you to use as needed Preparing for a lifelong journey Rebecca was born with Down syndrome Her parents critical illness coverage provided a benefit that can help cover expenses related to Rebecca s care and her changing needs HOW THEIR COVERAGE HELPED The lump sum amount from the family coverage benefit helped pay for A hospital stay and treatment for corrective heart surgery Physical therapy to build muscle strength Special needs daycare For illustrative purposes only 5 000 50 000 Coverage amount ____________________________ Critical illness and cancer benefits COVERED CRITICAL ILLNESS CONDITION PERCENTAGE OF APPLICABLE COVERAGE AMOUNT Benign brain tumor 100 Coma 100 End stage renal kidney failure 100 Heart attack myocardial infarction 100 Loss of hearing 100 Loss of sight 100 Loss of speech 100 Major organ failure requiring transplant 100 Occupational infectious HIV or occupational infectious hepatitis B C or D 100 Stroke 100 Sudden cardiac arrest 100 Coronary artery disease 25 COVERED CANCER CONDITION PERCENTAGE OF APPLICABLE COVERAGE AMOUNT Invasive cancer including all breast cancer 100 Non invasive cancer 25 Skin cancer initial diagnosis 400 per lifetime GCI6000 PLAN 2 CRITICAL ILLNESS AND CANCER

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KEY BENEFITS Available coverage for spouse and eligible dependent children at 50 of your coverage amount Cover your eligible dependent children at no additional cost Receive coverage regardless of medical history within specified limits Works alongside your health savings account HSA Benefits payable regardless of other insurance Subsequent diagnosis of a different critical illness2 If you receive a benefit for a critical illness and are later diagnosed with a different critical illness 100 of the coverage amount may be payable for that particular critical illness Subsequent diagnosis of the same critical illness2 If you receive a benefit for a critical illness and are later diagnosed with the same critical illness 3 25 of the coverage amount is payable for that critical illness Reoccurrence of invasive cancer including all breast cancer If you receive a benefit for invasive cancer and are later diagnosed with a reoccurrence of invasive cancer 25 of the coverage amount is payable if treatment free for at least 12 months and in complete remission prior to the date of reoccurrence excludes non invasive or skin cancer Additional covered conditions for dependent children COVERED CONDITION PERCENTAGE OF APPLICABLE COVERAGE AMOUNT Cerebral palsy 100 Cleft lip or palate 100 Cystic fibrosis 100 Down syndrome 100 Spina bifida 100 Preparing for the unexpected is simpler than you think With Colonial Life you ll have the support you need to face life s toughest challenges For more information talk with your benefits counselor 1 Refer to the certificate for complete definitions of covered conditions 2 Dates of diagnoses of a covered critical illness must be separated by more than 180 days 3 Critical illnesses that do not qualify include coronary artery disease loss of hearing loss of sight loss of speech and occupational infectious HIV or occupational infectious hepatitis B C or D THIS INSURANCE PROVIDES LIMITED BENEFITS EXCLUSIONS AND LIMITATIONS FOR CRITICAL ILLNESS We will not pay the Critical Illness Benefit Benefits Payable Upon Subsequent Diagnosis of a Critical Illness or Additional Critical Illness Benefit for Dependent Children that occurs as a result of a covered person s doctor or physician relationship felonies or illegal occupations intoxicants and narcotics suicide or injuring oneself intentionally whether sane or not war or armed conflict or pre existing condition unless the covered person has satisfied the pre existing condition limitation period shown on the Certificate Schedule on the date the covered person is diagnosed with a critical illness EXCLUSIONS AND LIMITATIONS FOR CANCER We will not pay the Invasive Cancer including all Breast Cancer Benefit Non Invasive Cancer Benefit Benefit Payable Upon Reoccurrence of Invasive Cancer including all Breast Cancer or Skin Cancer Initial Diagnosis Benefit for a covered person s invasive cancer or non invasive cancer that is diagnosed or treated outside the territorial limits of the United States its possessions or the countries of Canada and Mexico is a pre existing condition unless the covered person has satisfied the pre existing condition limitation period shown on the Certificate Schedule on the date the covered person is initially diagnosed as having invasive or non invasive cancer No pre existing condition limitation will be applied for dependent children who are born or adopted while the named insured is covered under the certificate and who are continuously covered from the date of birth or adoption PRE EXISTING CONDITION LIMITATION We will not pay a benefit for a pre existing condition that occurs during the 12 month period after the coverage effective date Pre existing condition means a sickness or physical condition for which a covered person received medical advice or treatment within 12 months before the coverage effective date ColonialLife com This information is not intended to be a complete description of the insurance coverage available The insurance has exclusions and limitations which may affect any benefits payable Applicable to policy forms GCI6000 P EE TX and GCI6000 P AU TX and certificate forms GCI6000 C EE TX and GCI6000 C AU TX For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company Underwritten by Colonial Life Accident Insurance Company Columbia SC 2020 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company 6 20 387100 TX

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Group Critical Illness Insurance Wellbeing Assistance Benefit The wellbeing assistance benefit can help reduce the risk of serious illness through early detection of disease or risk factors 50 Wellbeing assistance benefit _____________ Maximum of one test per covered person per calendar year subject to a 30 day waiting period before the benefit is payable The test must be performed after the waiting period Blood test for triglycerides Flexible sigmoidoscopy Bone marrow testing Hemoccult stool analysis BRCA1 or BRCA2 testing genetic test for breast cancer Mammography Breast ultrasound PSA blood test for prostate cancer CA 15 3 blood test for ovarian cancer CA 125 blood test for breast cancer For more information talk with your benefits counselor Pap smear Serum cholesterol test for HDL and LDL levels Carotid Doppler Serum protein electrophoresis blood test for myeloma CEA blood test for colon cancer Skin cancer biopsy Chest x ray Stress test on a bicycle or treadmill Colonoscopy Thermography Echocardiogram ECHO ThinPrep pap test Electrocardiogram EKG ECG Virtual colonoscopy Fasting blood glucose test ColonialLife com THIS INSURANCE PROVIDES LIMITED BENEFITS This information is not intended to be a complete description of the insurance coverage available The insurance or its provisions may vary or be unavailable in some states The insurance has exclusions and limitations which may affect any benefits payable Applicable to policy form GCI6000 P and certificate form GCI6000 C including state abbreviations where used for example GCI6000 C TX For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company Underwritten by Colonial Life Accident Insurance Company Columbia SC 2020 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company GCI6000 WELLBEING ASSISTANCE BENEFIT 5 20 387307

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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

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How much coverage do you need YOU __________________ Select the term period 10 year 15 year 20 year 30 year SPOUSE ______________ Select the term period 10 year 15 year 20 year 30 year Select any optional riders Spouse term life rider _____________ face amount for ______ year term period Children s term life rider _____________ face amount Accidental death benefit rider Optional riders At an additional cost you can purchase the following riders for even more financial protection Spouse term life rider Your spouse can have up to 50 000 of coverage for a 10 year or 20 year term period Children s term life rider You can purchase up to 20 000 in term life coverage for all of your eligible dependent children and pay one premium The children s term life rider may be added to either your policy or your spouse s policy not both Accidental death benefit rider The beneficiary may receive an additional benefit if the covered person dies as a result of an accident before age 70 The benefit doubles if the accidental bodily injury occurs while riding as a fare paying passenger using public transportation such as ride sharing services An additional 25 will be payable if the injury is sustained while driving or riding in a private passenger vehicle and wearing a seatbelt Chronic care accelerated death benefit rider If a licensed health care practitioner certifies that you have a chronic illness you may receive an advance on all or a portion of the death benefit available in a one time lump sum or monthly payments 1 A chronic illness means you require substantial supervision due to a severe cognitive impairment or you may be unable to perform at least two of the six Activities of Daily Living Premiums are waived during the benefit period Critical illness accelerated death benefit rider Chronic care accelerated If you suffer a heart attack myocardial infarction stroke or end stage renal kidney failure a 5 000 benefit is payable 1 A subsequent diagnosis benefit is included Critical illness Waiver of premium benefit rider Waiver of premium Premiums are waived for the policy and riders if you become totally disabled before the policy anniversary following your 65th birthday and you satisfy the six month elimination period 3 death benefit rider accelerated death benefit rider benefit rider 1 Any payout would reduce the death benefit Benefits may be taxable as income Individuals should consult with their legal or tax counsel when deciding to apply for accelerated benefits 2 Activities of daily living are bathing continence dressing eating toileting and transferring 3 You must resume premium payments once you are no longer disabled EXCLUSIONS AND LIMITATIONS To learn more talk with your Colonial Life benefits counselor If the insured dies by suicide whether sane or insane within two years one year in ND from the coverage effective date or the date of reinstatement we will not pay the death benefit We will terminate this policy and return the premiums paid without interest minus any loans and loan interest to you This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable Applicable to policy forms ICC18 ITL5000 ITL5000 and rider forms ICC18 R ITL5000 STR R ITL5000 STR ICC18 R ITL5000 CTR RITL5000 CTR ICC18 R ITL5000 WP R ITL5000 WP ICC18 R ITL5000 ACCD R ITL5000 ACCD ICC18 R ITL5000 CI R ITL5000 CI ICC18 R ITL5000 CC R ITL5000 CC plus state abbreviations where applicable for example ITL5000 TX For cost and complete details of the coverage call or write your Colonial Life benefits counselor or the company 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 ColonialLife com FOR EMPLOYEES 6 22 101895 3

Chicago Title - Benefits Guide

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