Crane Worldwide Unum Benefit Guide : simplebooklet.com

EN-2073 FOR EMPLOYEES (6-23) Unum | Accident InsuranceCrane Worldwide Logistics LLCWho can get coverage? Accident InsuranceHow does it work?Accident Insurance pays a set benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur off the job. And it includes a range of incidents, from common injuries to more serious events.Why is this coverage so valuable?It can help you with out-of-pocket costs that your medical plan doesn’t cover, like co-pays and deductibles. You’ll have base coverage without medical underwriting. The cost is conveniently deducted from your paycheck. You can keep your coverage if you change jobs or retire. You’ll be billed directly.YouIf you’re actively at work*Your spouseCan get coverage as long as you have purchased coverage for yourself.Your childrenDependent children from birth until their 26th birthday, regardless of marital or student status.*Employees must be legally authorized to work in the United States and actively working at a U.S. location to receive coverage. See Schedule of benefits for a complete listing of what is covered. What’s included?Be Well BenefitEvery year, each family member who has Accident coverage can also receive $50 for getting a covered Be Well screening test, such as:• Annual exams by a physician include sports physicals,well-child visits, dental and vision exams• Screenings for cancer, including pap smear, colonoscopy• Cardiovascular function screenings• Screenings for cholesterol and diabetes• Imaging studies, including chest X-ray, mammography• Immunizations including HPV, MMR, tetanus, influenzaOrganized Sports BenefitEach family member that has Accident coverage is eligible for a 25% increase in payable benefits within the Injury and Treatment schedule of benefit categories. See disclosures and schedule of benefits for more information.Personal Safety BenefitEvery year, each family member who has Accident coverage can also receive $50 for completing a covered safety program. This benefit is available in the Treatment category. See disclosures and schedule of benefits for more information.How much does it cost?Your monthly premium Option 1You$10.14You and your spouse$22.25You and your children$21.75Family$33.86

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Unum | Accident InsuranceEN-2073 FOR EMPLOYEES (6-23)SCHEDULE OF BENEFITSAccidental Death and DismembermentAD&D Employee $50,000Spouse $25,000Children $12,500Common Carrier Benefit can pay if the insured individual is injured as a fare-paying passenger on a common carrier (examples include mass transit trains, buses and planes) Employee $50,000Spouse $25,000Children $12,500Dismemberment Both Feet $50,000Both Hands $50,000One Foot $25,000One Hand $25,000Thumb and Index Finger of the same Hand $12,500Coma Coma $10,000Home & Vehicle Modifications Home & Vehicle Modifications $1,500Loss of Use Sight of one Eye $25,000Sight of both Eyes $50,000Speech $25,000Paralysis Uniplegia $12,500Hemi/Paraplegia $25,000Triplegia $37,500Quadriplegia $50,000HospitalizationAdmission $2,000Daily Stay (365 days) $300Daily Stay – Hospital ICU (added to Daily Stay)$150Short Stay $200InjuryInjury due to felony & sexual assault$250Organized Sports 25%Burns2nd Degree Burns - At least 5%, but less than 20% of skin surface$1,000Injury2nd Degree Burns - 20% or greater of skin surface$2,0003rd Degree Burns - Less than 5% of skin surface$4,0003rd Degree Burns - At least 5%, but less than 20% of skin surface$10,0003rd Degree Burns - 20% or greater of skin surface$20,000ConcussionConcussion $300Connective Tissue DamageOne Connective Tissue (tendon, ligament, rotator cuff, muscle)$90Two or more Connective Tissues (tendon, ligament, rotator cuff, muscle)$150DislocationsKnee joint (other than patella)$3,000Ankle bone or bones of the foot (other than toes)$1,700Hip joint $6,000Collarbone (sternoclavicular)$1,500Elbow joint $900Hand (other than Fingers) $900Lower Jaw $900Shoulder $2,000Wrist joint $2,000Collarbone (acromioclavicular and separation)$600Finger or Toe (Digit) $300Kneecap (patella) $900Incomplete Dislocation - Payable as a % of the applicable Dislocations benefit25%Eye InjuryEye Injury $200FracturesSkull (except bones of Face or Nose), Depressed$8,000Hip or Thigh (femur) $6,000Skull (except bones of Face or Nose), Non-depressed$4,000Vertebrae, body of (other than Vertebral Processes)$2,400Leg (mid to upper tibia or fibula)$2,700Pelvis $2,400Bones of the Face or Nose (other than Lower Jaw, Mandible or Upper Jaw, Maxilla)$1,200InjuryUpper Arm between Elbow and Shoulder (humerus)$1,200Upper Jaw, Maxilla (other than alveolar process)$1,200Ankle (lower tibia or fibula)$1,500Collarbone (clavicle, sternum) or Shoulder Blade (scapula)$1,500Foot or Heel (other than Toes)$800Forearm (olecranon, radius, or ulna), Hand, or Wrist (other than Fingers)$1,500Kneecap (patella) $800Lower Jaw, Mandible (other than alveolar process)$800Vertebral Processes $800Rib $800Tailbone (coccyx), Sacrum $800Finger or Toe (Digit) $400Chip Fracture - Payable as a % of the applicable Fractures benefit25%Same bone maximum incurred per accident1 FractureMaximum payable multiplier for multiple bones2 TimesInternal InjuriesInternal Injuries $200LacerationsNo Repair $85Repair Less than 2 inches $250Repair At least 2 inches but less than 6 inches$500Repair 6 inches or greater $1,000Loss of a DigitOne Digit (other than a Thumb or Big Toe)$1,250One Digit (a Thumb or Big Toe)$1,875Two or more Digits $2,500Knee CartilageKnee Cartilage (Meniscus) Injury$250Ruptured or Herniated DiscOne Disc $210Two or more Discs $350RecoveryAcquired Brain Injury $25At-Home Care $100Physician Follow-Up Visits $100Physician Follow-Up Maximum Visits2Prescription Drug $25Hearing (one ear)Hearing (both ears)$12,500$25,000

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Unum | Accident InsuranceEN-2073 FOR EMPLOYEES (6-23)SCHEDULE OF BENEFITSRecoveryPrescription Benefit Incidence per covered accident1 Per InsuredRehabilitation or Subacute Rehabilitation Unit$100Behavior Health Therapy $75Behavior Health Therapy visits15Telehealth Service $25Telemedicine Medical Service$25Therapy Services (chiro, speech, PT, occ, acupuncture/alternative)$75Therapy Services Maximum Days15SurgeryDislocationsDislocation, Surgical Repair - Payable as a % of the applicable Injury benefit100%AnesthesiaEpidural or Regional Anesthesia$100General Anesthesia $250Connective TissueExploratory without Repair $100Repair for One Connective Tissue$800Repair for Two or more Connective Tissues$1,200Eye SurgeryEye Surgery, Requiring Anesthesia$300FracturesFractures, Surgical Repair - Payable as a % of the applicable Injury benefit100%Surgical Repair same bone maximum incurred per accident1 FractureSurgical Repair same bone maximum payable multiplier for multiple bones2 TimesGeneral SurgeryAbdominal, Thoracic, or Cranial$1,500Exploratory $150Incidence per covered accident1 Per InsuredHernia SurgeryHernia Surgery $150Knee CartilageKnee Cartilage (Meniscus) Exploratory without Repair$150Knee Cartilage (Meniscus) with Repair$750SurgeryOutpatient Surgical FacilityOutpatient Surgical Facility$300Ruptured or Herniated Disc SurgeryExploratory without Repair $125One Disc $675Two or more Discs $1,000TreatmentOrganized Sports 25%AmbulanceAir $2,000Ground $400Durable Medical EquipmentTier 1 (arm sling, cane, medical ring cushion)$50Tier 2 (bedside commode, cold therapy system, crutches)$100Tier 3 (back brace, body jacket, continuous passive movement, electric scooter)$200Emergency Dental RepairDental Crown $350Dental Extraction $115Filling or Chip Repair $90ImagingTier 1: X-rays or Ultrasound$100Tier 2: Bone Scan, CAT, CT, EEG, MR, MRA, or MRI$300Medical Imaging Incidence allowance covered accident per Tier1 Per Insured Per TierLodgingLodging (per night) $150Prosthetic DeviceOne Device or Limb $750Two or more Devices or Limbs$1,500Skin GraftsFor Burns - Payable as a % of the applicable Burn benefit50%Not Burns - Less than 20% of skin surface$250Not Burns - 20% or greater of skin surface$500TreatmentEmergency Room Treatment $250Injections to Prevent or Limit Infection (tetanus, rabies, antivenom, immune globulin)$50TreatmentPain Management Injections (epidural, cortisone, steroid)$100Transfusions $400$100Family Care $30Pet Boarding (per day) $30Personal Safety $50Treatment in a Physician’s Office or Urgent Care Facility (initial)$200•Transportation (per one-way trip)

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EN-2073 FOR EMPLOYEES (6-23)Unum | Accident InsuranceOrganized Sports BenefitThis increased benefit payment will be applied if the covered Accident occurs while playing an organized sport that required formal registration to participate and is officiated by someone certified to act in that capacity. Personal Safety BenefitCovered safety programs may include defensive driving course, CPR certification, first aid certification, swim lessons, self-defense course and/or a state or federally approved Recreational Safety Course. Active employmentYou are considered in active employment if, on the day you apply for coverage, you are being paid regularly for the required minimum 20 hours each week and you are performing the material and substantial duties of your regular occupation. 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. New employees have a day waiting period to be eligible for coverage. Please contact your plan administrator to confirm your eligibility date. If enrolling, and eligible for Medicare (age 65+; or disabled) the Guide to Health Insurance for People with Medicare is available at https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf.Effective date of coverageCoverage becomes effective on the first day of the month in which payroll deductions begin.Exclusions and limitations We will not pay benefits for a claim that is caused by, contributed to by, or occurs as the result any of the following:• committing or attempting to commit a felony;• being engaged in an illegal occupation or activity;• injuring oneself intentionally or attempting or committing suicide, whether sane or not;• active participation in a riot, insurrection, or terrorist activity. This does not include civil commotion or disorder, Injury as an innocent bystander, or Injury for self-defense;• participating in war or any act of war, whether declared or undeclared;• combat or training for combat while serving in the armed forces of any nation or authority, including the National Guard, or similar government organizations;• a Covered Loss that occurs while an Insured is legally incarcerated in a penal or correctional institution;• elective procedures, cosmetic surgery, or reconstructive surgery unless it is a result of trauma, infection, or other diseases;• an occupational injury; • any Sickness, bodily infirmity, or other abnormal physical condition or Mental or Nervous Disorders, including diagnosis, treatment, or surgery for it;• Infection. This exclusion does not apply when the infection is due directly to a cut or wound sustained in a Covered Accident;• experimental or investigational procedures;• operating any motorized vehicle while intoxicated;• operating, learning to operate, serving as a crew member of any aircraft or hot air balloon, including those which are not motor-driven, unless flying as a fare paying passenger;• jumping, parachuting, or falling from any aircraft or hot air balloon, including those which are not motor-driven;• travel or flight in any aircraft or hot air balloon, including those which are not motor-driven, if it is being used for testing or experimental purposes, used by or for any military authority, or used for travel beyond the earth’s atmosphere;#practicing for or participating in any semi-professional or professional competitive athletic contests for which any type of compensation or remuneration is received;• riding or driving an air, land or water vehicle in a race, speed or endurance contest; and• engaging in hang-gliding, bungee jumping, sail gliding, parasailing, parakiting, or BASE jumping.The Accidental Death and Dismemberment Benefits are also subject to the following Exclusions. We will not pay benefits for a claim that is caused by, contributed to by, or resulting from any of the following:• being intoxicated; and• voluntary use of or treatment for voluntary use of any prescription or non-prescription drug, intoxicant, poison, fume, or other chemical substance unless taken as prescribed or directed by the Insured’s PhysicianAdditionally, no benefits will be paid for a Covered Loss that occurs prior to the Coverage Effective Date.Termination of employee coverageIf you choose to cancel your coverage your coverage ends on the first of the month following the date you provide notification to your employer. Otherwise, your coverage ends on the earliest of the:• the date this policy is canceled by Unum or your employer;• the date you are no longer in an eligible group;• the date your eligible group is no longer covered;• the date of your death;• the last day of the period any required premium contributions are made;• the last day you are in active employment. However, as long as premium is paid as required, coverage will continue• in accordance with the Continuation of your Coverage during Absences provision; or• if you elect to continue coverage for you, your Spouse, and Children under Portability of Accident Insurance. We will provide coverage for a Payable Claim that occurs while you are covered under this certificateAccident InsuranceTHIS IS A LIMITED BENEFITS POLICYThis information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to certificate form GAC16-1 et al. and GAC16-2, GAC16-2-IL, GAC16-3-NH, GAC16-2-OH, and GAC16-2-UT. Policy Form GAP16-1 et al. in all states, GAP16-3-NH in New Hampshire or contact your Unum representative.Unum complies with state civil union and domestic partner laws when applicable.Underwritten by: Unum Insurance Company, Portland, Maine© 2023 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.

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EN-372230 FOR EMPLOYEES (10-22) Unum | Hospital Insurance Crane Worldwide Logistics LLCWho can get coverage?You:If you’re actively at work.Your spouse:Can get coverage as long as you have purchased coverage for yourself.Your children:Dependent children newborn until their 26th birthday, regardless of marital or student statusEmployee must purchase coverage for themselves in order to purchase spouse or child coverage. Employees must be legally authorized to work in the United States and actively working at a U.S. location to receive coverage. Please refer to the certificate for complete definitions about these covered conditions. Coverage may vary by state. See exclusions and limitations.This plan has a childbirth limitation. See disclosures for more information.If enrolling, and eligible for Medicare (age 65+; or disabled) the Guide to Health Insurance for People with Medicare is available at www.medicare.gov/sites/default/files/2022-03/02110-medigap-guide-health-insurance.pdfHow does it work?Hospital Insurance helps covered employees and their families cope with the financial impacts of a hospitalization. You can receive benefits when you’re admitted to the hospital for a covered accident, illness or childbirth.Why is this coverage so valuable?• The money is paid directly to you — not to a hospitalor care provider. The money can also help you pay theout-of-pocket expenses your medical plan may not cover,such as co-insurance, co-pays and deductibles.• You get affordable rates when you buy this coverage atwork.• The cost is conveniently deducted from your paycheck.• The benefits in this plan are compatible with a HealthSavings Account (HSA).• You may take the coverage with you if you leave thecompany or retire, without having to answer new healthquestions. You’ll be billed directly.Since our founding in 1848, Unum has been a leader in the employee benefits business. Innovation, integrity and an unwavering commitment to our customers has helped us become a global leader in financial protection benefits.Hospital InsuranceHospital Insurance can pay benefits that help you with the costs of a covered hospital visit.How much does it cost?Your monthly premiumYou$20.00You and your spouse$43.77You and your children$30.49Family$54.26

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EN-372230 FOR EMPLOYEES (10-22)Unum | Hospital Insurance HospitalHospital AdmissionPayable for a maximum of 1 day per year$1,500Hospital Daily StayPayable per day up to 31 days $250ICU Daily Stay Payable per day up to 15 days $250Additional Inpatient CareRehab/Subacute Rehab UnitPayable for maximum of 30 days per insured per calendar year$125Exclusions and LimitationsHospital insurance filed policy name is Group Hospital Indemnity Insurance PolicyActive employmentYou are considered in active employment if, on the day you apply for coverage, you are being paid regularly for the required minimum 20 hours per week and you are performing the material and substantial duties of your regular occupation. 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. New employees have a 0 day waiting period to be eligible for coverage. Please contact your plan administrator to confirm your eligibility date.Continuity of coverageWe will provide coverage for an Insured if the Insured was covered by a similar prior policy on the day before the Policy Effective Date of this certificate.Coverage is subject to payment of premium and all other terms of the certificate. If an employee is on a temporary Layoff or Leave of Absence on the Policy Effective Date of this certificate, we will consider your temporary Layoff or Leave of Absence to have started on that date and coverage will continue for the period provided temporary Layoff or Leave of Absence under Continuation of your Coverage During Extended Absences in the certificate.If you have not returned to Active Employment before any Insured’s covered loss, any benefits payable will be limited to what would have been paid by the prior carrier.Childbirth LimitationWe will pay benefits due to Childbirth for any Insured within the first nine months after the Insured’s Coverage Effective Date.Childbirth or Complications of Pregnancy will be covered to the same extent as any other Covered Sickness.Exclusions and limitationsWe will not pay benefits for a claim that is caused by, contributed to by, or resulting from any of the following:• participation in a felony ;• being engaged in an illegal occupation;• injuring oneself intentionally or attempting or committing suicide, whether sane or not;• participation in a riot, or insurrection. This does not include civil commotion or disorder, Injury as an innocent bystander, or Injury for self-defense;• participating in war or any act of war, whether declared or undeclared;• combat while serving in the armed forces of any nation or authority, including the National Guard, or similar government organizations while coverage is suspended and no premiums are collected;• being legally intoxicated;• a Covered Loss that occurs while an Insured is legally incarcerated in a penal or correctional institution;• elective procedures, cosmetic surgery, or reconstructive surgery unless it is a result of organ donation, trauma, infection, gender identity disorders, or other diseases;• treatment for dental care or dental procedures, unless treatment is the result of a Covered Accident; • any Admission of a newborn Child immediately following Childbirth unless the newborn is Injured or Sick;• voluntary use of illegal drugs; and • Mental or Nervous Disorders. This exclusion does not include dementia if it is a result of:• stroke, Alzheimer’s disease, trauma, viral infection; or• other conditions which are not usually treated by a mental health provider or other qualified provider using psychotherapy, psychotropic drugs, or other similar methods of treatment.Additionally, no benefits will be paid for a Covered Loss that occurs prior to the Coverage Effective Date.End of employee coverageIf you choose to cancel your coverage under this certificate, your coverage will end on the first of the month following the date you provide notification to your Employer.Otherwise, your coverage under this certificate ends on the earliest of:• the date the Policy is cancelled by us or your Employer;• the date you are no longer in an Eligible Group;• the date your Eligible Group is no longer covered;• the date of your death;• the last day of the period any required premium contributions are made; or• the last day you are in Active Employment.However, as long as premium is paid as required, coverage will continue in accordance with the Continuation of your Coverage During Absences provision or if you elect to continue coverage for you under Portability of Hospital Indemnity Insurance.We will provide coverage for a Payable Claim that occurs while you are covered under this certificate.THIS INSURANCE PROVIDES LIMITED BENEFITSThis coverage is a supplement to health insurance. It is not a substitute for comprehensive health insurance and does not qualify as minimum essential health coverage as defined in federal law. Some states may require individuals to have comprehensive medical coverage before purchasing hospital insurance.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 definitions of coverage and availability, please refer to Certificate Form GHIC16-1 and policy form GHIP16-1 or contact your Unum representative.Unum complies with all state civil union and domestic partner laws when applicable.Underwritten by: Unum Insurance Company, 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 | Group Critical Illness Insurance EN-2050 FOR EMPLOYEES (8-23) Why should I buy coverage now?• It’s more accessible when you buy it through youremployer and the premiums are conveniently deductedfrom your paycheck.• Coverage is portable. You may take the coverage with you ifyou leave the company or retire. You’ll be billed at home.Be Well BenefitEvery year, each family member who has Critical Illness coverage can also receive a payment for getting a covered Be Well Benefit screening test, such as:• Annual exams by a physicianinclude sports physicals, well-child visits, dental and visionexams• Screenings for cancer, includingpap smear, colonoscopy• Cardiovascular functionscreenings• Screenings for cholesterol anddiabetes• Imaging studies, includingchest X-ray, mammography• Immunizations including HPV,MMR, tetanus, influenzaWho can get coverage?You:Choose $10,000, $20,000 or $30,000 of coverage with no medical underwriting to qualify if you apply during this enrollment.Your spouse:Spouses can only get 100% of the employee coverage amount as long as you have purchased coverage for yourself.Your children:Children from live birth to age 26 are automatically covered at no extra cost. Their coverage amount is 50% of yours. They are covered for all the same illnesses plus these specific childhood conditions: cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome and spina bifida. The diagnosis must occur after the child’s coverage effective date.How does it work?If you’re diagnosed with an illness that is covered by this insurance, you can receive a lump sum benefit payment. You can use the money however you want.Why is this coverage so valuable?• The money can help you pay out-of-pocket medicalexpenses, like deductibles.• You can use this coverage more than once.Even after you receive a payout for one illness, you’restill covered for the remaining conditions and for thereoccurrence of any critical illness with the exception ofskin cancer. The reoccurrence benefit can pay 100% of yourcoverage amount. Diagnoses must be at least 180 daysapart or the conditions can’t be related to each other.What’s covered?Critical Illnesses• Heart attack• Stroke• Major organ failure• End-stage kidney failure• Coronary artery disease• Major (50%):• Coronary artery bypass graft• or valve replacement• Minor (10%):• Balloon angioplasty or• stent placementCancer conditions• Invasive cancer — all breastcancer is considered invasive• Non-invasive cancer (25%)• Skin cancer — $500Progressive diseases Supplemental conditions• Amyotrophic LateralSclerosis (ALS)• Dementia, includingAlzheimer’s disease• Multiple Sclerosis (MS)• Parkinson’s disease• Functional loss• Loss of sight, hearing or speech• Benign brain tumor• Coma• Permanent Paralysis• Occupational HIV, Hepatitis B, Cor D• Infectious Diseases (25%)Please refer to the certificate for complete definitions of these covered conditions. Coverage may vary by state. See exclusions and limitations. Group Critical Illness Insurance

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Unum | Group Critical Illness Insurance EN-2050 FOR EMPLOYEES (8-23) Active employment: You are considered in active employment if, on the day you apply for coverage, you are being paid regularly for the required minimum 20 hours each week and you are performing the material and substantial duties of your regular occupation. 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. New employees have a 0 day waiting period to be eligible for coverage. Please contact your plan administrator to confirm your eligibility date.If enrolling, and eligible for Medicare (age 65+; or disabled) the Guide to Health Insurance for People with Medicare is available at https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdfBi-weekly costsAgeEmployee coverage: $10,000 Spouse coverage: $10,000 Be Well benefit: $50Employee Spouseunder 25 $1.50 $1.5025 - 29 $1.77 $1.7730 - 34 $2.19 $2.1935 - 39 $2.70 $2.7040 - 44 $3.62 $3.6245 - 49 $4.91 $4.9150 - 54 $6.90 $6.9055 - 59 $9.53 $9.5360 - 64 $13.54 $13.5465 - 69 $19.77 $19.7770 - 74 $29.74 $29.7475 - 79 $41.97 $41.9780 - 84 $58.54 $58.5485+ $92.46 $92.46Bi-weekly costsAgeEmployee coverage: $20,000 Spouse coverage: $20,000 Be Well benefit: $75Employee Spouseunder 25 $2.99 $2.9925 - 29 $3.54 $3.5430 - 34 $4.38 $4.3835 - 39 $5.39 $5.3940 - 44 $7.24 $7.2445 - 49 $9.82 $9.8250 - 54 $13.79 $13.7955 - 59 $19.05 $19.0560 - 64 $27.08 $27.0865 - 69 $39.54 $39.5470 - 74 $59.48 $59.4875 - 79 $83.94 $83.9480 - 84 $117.08 $117.0885+ $184.93 $184.93Bi-weekly costsAgeEmployee coverage: $30,000 Spouse coverage: $30,000 Be Well benefit: $100Employee Spouseunder 25 $4.49 $4.4925 - 29 $5.32 $5.3230 - 34 $6.56 $6.5635 - 39 $8.09 $8.0940 - 44 $10.86 $10.8645 - 49 $14.73 $14.7350 - 54 $20.69 $20.6955 - 59 $28.58 $28.5860 - 64 $40.62 $40.6265 - 69 $59.32 $59.3270 - 74 $89.22 $89.2275 - 79 $125.92 $125.9280 - 84 $175.62 $175.6285+ $277.39 $277.39

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Unum | Group Critical Illness Insurance EN-2050 FOR EMPLOYEES (8-23) Your paycheck deduction will include the cost of coverage and the Be Well Benefit. Actual billed amounts may vary.Exclusions and limitationsWe will not pay benefits for a claim that is caused by, contributed to by, or occurs as a result of any of the following: • committing or attempting to commit a felony; being engaged in an illegal occupation or activity; injuring oneself intentionally or attempting or committing suicide, whether sane or not; active participation in a riot, insurrection, or terrorist activity. This does not include civil commotion or disorder, injury as an innocent bystander, or injury for self-defense; participating in war or any act of war, whether declared or undeclared; combat or training for combat while serving in the armed forces of any nation or authority, including the National Guard, or similar government organizations; voluntary use of or treatment for voluntary use of any prescription or non-prescription drug, alcohol, poison, fume, or other chemical substance unless taken as prescribed or directed by the Insured’s Physician; being intoxicated; and a Date of Diagnosis that occurs while an Insured is legally incarcerated in a penal or correctional institution.Additionally, no benefits will be paid for a Date of Diagnosis that occurs prior to the Coverage Effective Date.Continuity of coverageWe will provide coverage for an Insured if the Insured was covered by a similar prior policy on the day before the Policy Effective Date. Coverage is subject to payment of premium and all other terms of the certificate. If an employee is on a temporary Layoff or Leave of Absence on the Policy Effective Date of this certificate, we will consider your temporary Layoff or Leave of Absence to have started on that date and coverage will continue for the period provided temporary Layoff or Leave of Absence under Continuation of your Coverage During Extended Absences in the certificate. If you have not returned to Active Employment before any Insured’s Date of Diagnosis, any benefits payable will be limited to what would have been paid by the prior carrier.Date of diagnosis must be after the coverage effective date.End of employee coverageIf you choose to cancel your coverage your coverage ends on the first of the month following the date you provide notification to your employer. Otherwise, your coverage ends on the earliest of the: date this policy is canceled by Unum or your employer; date you are no longer in an eligible group; date your eligible group is no longer covered; date of your death; last day of the period any required premium contributions are made; or last day you are in active employment. However, as long as premium is paid as required, coverage will continue in accordance with the Continuation of your Coverage during Absences provision or if you elect to continue coverage for you, your Spouse, and Children under Portability of Critical Illness Insurance.Unum will provide coverage for a payable claim that occurs while you are covered under this certificate.Unum complies with applicable civil union and domestic partner laws.THIS INSURANCE PROVIDES LIMITED BENEFITSThis coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for this coverage.This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Certificate Form GCIC16-1 and Policy Form GCIP16-1 or contact your Unum representative.Underwritten by: Unum Insurance Company, Portland, Maine© 2023 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.

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unum.comFor more information, please contact your HR representative.Each year, you can earn a valuable incentive just for taking care of your health. And so can each of your covered family members. File your claim online with a one-time registration on unum.com, by mail or over the phone. Simply call 1-800-635-5597 to learn more.You will need to provide the following: IT’S EASY TO FILE A CLAIM You can receive a benet for tests that are performed after your initial coverage date. Follow these simple steps: • First and last names of the employee and claimant(the employee might not be the claimant)• Employee’s Social Security number or policy number• Name and date of the test• Name of physician and the facility where the testwas performed.Learn more about your annual Be Well BenetYour Unum plan pays a Be Well Benet for one Be Well screening each year.With Unum’s Be Well Benet, you and other covered family members can receive a valuable incentive for important tests and screenings. Many of these tests are routinely performed, so it’s easy to take advantage of this benet.Your Critical Illness Be Well benet is tied to the coverage amount you choose. For instance, if you choose a coverage amount of $10,000, your Be Well benet will be $50. A coverage amount of $30,000 will have a Be Well benet of $100.Your Accident Be Well benet is $50.BE WELL SCREENINGS• Annual exams by a physician including sportsphysicals and well-child visits, dental and vision exams• Cancer screenings including pap smear, colonoscopy• Cardiovascular function screenings• Cholesterol and diabetes screenings• Imaging studies, including chest X-ray, mammography• Immunizations including HPV, MMR, tetanus, inuenzaUnum will pay Be Well benefits for all eligible policies according to policy terms. THESE POLICIES OFFER LIMITED BENEFITSThe policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.In New Hampshire, Be Well is referred to as Health Screening. In Washington, Be Well on the Accident product is referred to as Health Screening Benefit rider. In Kansas, Be Well is not available on the Hospital product and immunizations are not covered on the Accident or Critical Illness products.Underwritten by: Unum Insurance Company, Portland, Maine; In New Jersey and New York, underwritten by: Provident Life and Casualty Insurance Company, Chattanooga, Tennessee© 2022 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. EN-1911-BeWell FOR EMPLOYEES (11-22) Crane Worldwide Logistics LLC

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EN-2045 FOR EMPLOYEES (3-22) Unum | Short Term Disability Insurance 710365How 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 25 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.What else is included?Cesarean section benefitIf you have a Cesarean section, you will be considered disabled for a minimum period of eight weeks unless you return to work before the end of the time.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 weekly income, up to a maximum benefit of $2,300 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.Crane Worldwide Logistics LLC 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 you become disabled for 7 days.Benefit duration (BD)The maximum number of weeks you can receive benefits while you’re disabled. You have a 25 week benefit duration.

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EN-2045 FOR EMPLOYEES (3-22) Unum | Short Term Disability Insurance 710365Exclusions 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 710365EN-351050 FOR EMPLOYEES (3-22) How does it work?This coverage provides a monthly benefit if you have a covered illness or injury and you can’t work for a few months — or even longer.Your employer is providing you a base amount of coverage.You also have the opportunity to purchase additional coverage to be sure your financial needs are met.You’re generally considered disabled if you’re unable to do important parts of your job — and your income suffers as a result. 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.Why is this coverage so valuable?If you didn’t get coverage when you were first eligible, you’ll have to answer health questions now. If you‘re newly eligible, you may not have to answer health questions.What 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.COVERAGE AMOUNTSEmployer-paid coverageYour employer is providing a benefit of 40% of your monthly earnings to a maximum of $7,500.Employee optional additional coverageYou can elect to purchase a benefit of 66.67% of your monthly earnings to a maximum of $12,500.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.Employer-paid and optional additional coverage: Your elimination period is 180 days.This is the number of days that must pass after a covered illness or injury before you can begin to receive benefits.Employer-paid and Employee Optional Additional Long Term Disability InsuranceEmployer-paid and optional additional coverage: You can receive benefits up to the Social Security (SS) normal retirement age.This is the maximum length of time you can receive benefits while you’re disabled.BENEFIT DURATIONELIMINATION PERIOD

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Unum | Long Term Disability Insurance 710365EN-351050 FOR EMPLOYEES (3-22) Exclusions and limitationsActive employeeYou are eligible for coverage if you are an active employee in the United States working a minimum of 30 hours per week. You 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.Pre-existing conditionsYou have a pre-existing condition if:• You received medical treatment, consultation, care or services including diagnostic measures for the condition, or took prescribed drugs or medicines for it in the 6 months just prior to your effective date of coverage; and• The disability begins in the first 12 months after your effective date of coverage.Deductible sources of incomeYour disability 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. 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.

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Unum | Term Life Insurance 710366EN-1976 FOR EMPLOYEES (6-22) Who 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.If you previously purchased coverage, you can increase it up to $200,000 with no medical underwriting. If you previously declined coverage, you may have to answer some health questions.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.If you previously purchased coverage for your spouse, they can increase their coverage upto $25,000 with no medical underwriting, if eligible (see delayed effective date). If you previously declined spouse coverage, some health questions may be required.Your children:Get up to $10,000 of coverage in $0 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 $5,000.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 previously purchased coverage, you can increase it up to $200,000 to meet your growing needs — with no medical underwriting.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 75% of your life insurance benefit (up to $500,000) 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.If you previously purchased coverage, you can increase it up to $200,000 with no medical underwriting. If you previously declined coverage, you may have to answer some healthquestions.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.If you previously purchased coverage for your spouse, they can increase their coverage up to $25,000 with no medical underwriting, if eligible(see delayed effective date). If you previously declined spouse coverage, some health questions may be required.Your children:Get up to $10,000 of coverage, 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 6months is $5,000.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 if eligible (see delayed effective date).No medical underwriting is required for AD&D coverage.

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Unum | Term Life Insurance 710366EN-1976 FOR EMPLOYEES (6-22) 1. Enter the coverageamount you want.2. Divide by the amountshown.3. Multiply by the rate.Use the rate table(at right) to find therate based on age.(Choose the age you will be when your coverage becomes effective on 01/01/2024. To determine your spouse rate, choose the age the spouse will be when coverage becomes effective on 01/01/2024.)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 ÷ $1,000 = $________ X $______ = $_______Spouse $______,000 ÷ $1,000 = $________ X $______ = $_______Child $______,000 ÷ $1,000 = $________ X $______ = $_______Total costSpouse monthly ratePer $1,000 of coverageCost$0.070$0.070$0.080$0.090$0.110$0.220$0.340$0.440$0.660$1.110$1.770$2.750Employee monthly rateAgePer $1,000 of coverageCost15-24 $0.07025-29 $0.07030-34 $0.08035-39 $0.09040-44 $0.11045-49 $0.22050-54 $0.34055-59 $0.44060-64 $0.66065-69 $1.11070-74 $1.77075+ $2.750How much coverage can I get?Child monthly rate$0.160 per $1,000 of coverage1. Enter the AD&Dcoverage amountyou want.2. Divide by the amountshown.3. Multiply by the rate.Use the AD&D ratetable (at right) to findthe rate.4. Enter your cost.AD&D monthly ratesCoverage amount RateEmployee per $1,000 of coverage $0.025Spouse per $1,000 of coverage $0.030Child per $1,000 of coverage $0.020AD&D1 2 3 4Employee $______,000 ÷ $1,000 = $________ X $0.025 = $_______Spouse $______,000 ÷ $1,000 = $________ X $0.030 = $_______Child $______,000 ÷ $1,000 = $________ X $0.020 = $_______Total cost

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Unum | Term Life Insurance 710366EN-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 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 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 710365EN-2046 FOR EMPLOYEES (6-22) Who 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 2 times your earnings up to a maximum of $800,000. You can get up to $800,000 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 75% of your life insurance benefit (up to $500,000) 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 2 times your earnings up to a maximum of $800,000. You can get up to $800,000 with no medical underwriting.Who can get Accidental Death & Dismemberment (AD&D) coverage?You:You can get 8 times your earnings of AD&D coverage up to a maximum of $800,000.No medical underwriting is required for AD&D coverage.

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Unum | Term Life Insurance 710365EN-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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Help, when you need it most With your Employee Assistance Program and Work/Life Balance services, confidential assistance is as close as your phone or computer.Employee Assistance Program (EAP)Your EAP is designed to help you lead a happier and more productive life at home and at work. Call for confidential access to a Licensed Professional Counselor* who can help you.A Licensed Professional Counselor can help you with:• Stress, depression, anxiety• Relationship issues,divorce• Anger, grief and loss• Job stress, work conflicts• Family and parentingproblems• And moreWork/Life BalanceYou can also reach out to a specialist for help with balancing work and life issues. Just call and one of our Work/Life Specialists can answer your questions and help you find resources in your community.Ask our Work/Life Specialists about:• Child care• Elder care• Financial services, debtmanagement, creditreport issues• Identity theft• Legal questions**• Even reducing yourmedical/dental bills!• And moreWho is covered?Unum’s EAP services are available to all eligible partners and employees, their spouses or domestic partners, dependent children, parents and parents-in-law.Always by your side• Expert support 24/7• Convenient website• Short-term help• Referrals for additional care• Monthly webinars• Medical Bill SaverTM — helps you saveon medical billsHelp is easy to access:Phone support: 1-800-854-1446Online support: unum.com/lifebalanceIn-person: You can get up to three visits, available at no additional cost to you with a Licensed Professional Counselor. Your counselor may refer you to resources in your community for ongoing support.Not available in all states* The counselors must abide by federal regulations regarding duty to warn of harm to self or others. In these instances, the consultant may be mandated to report a situation to the appropriate authority.**State mandated restrictions for legal services in WA apply.Unum’s Employee Assistance Program and Work/Life Balance 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.Insurance products are underwritten by the subsidiaries of Unum Group.© 2022 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.EN-2058-2 FOR EMPLOYEES (10-22)unum.com

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IF YOU EXPERIENCED A MEDICAL EMERGENCY WHILE TRAVELING, WOULD YOU KNOW WHOM TO CALL? Whenever you travel 100 miles or more from home — to another country or just another city — be sure to pack your worldwide emergency travel assistance phone number. Travel assistance speaks your language, helping you locate hospitals, embassies and other “unexpected” travel destinations. Add the number to your cell phone contacts, so it’s always close at hand. Just one phone call connects you and your family to medical and other important services 24 hours a day.WHETHER TRAVELING FOR BUSINESS OR PLEASURE, ONE PHONE CALL CONNECTS YOU TO:• Multi-lingual, medically certified crisis managementprofessionals.• A state-of-the-art global response operations center.• Qualified medical providers around the world.With the Assist America Mobile App, you can:• Call Assist America’s Operation Centerfrom anywhere in the world with the touchof a button.• Access pre-trip information and countryguides.• Search for local pharmacies (U.S. only).• Download a membership card.• View a list of services.• Search for the nearest U.S. embassy.• Read Assist Alerts.Download and activate the app today from the Apple App Store or Google Play.USE YOUR TRAVEL ASSISTANCE PHONE NUMBER TO ACCESS: • Hospital admission assistance*• Emergency medical evacuation• Prescription replacement assistance• Transportation for a friend or family member to joina hospitalized patient• Care and transport of unattended minor children• Assistance with the return of a vehicle• Emergency message services• Critical care monitoring• Emergency trauma counseling• Referrals to Western-trained, English-speakingmedical providers• Legal and interpreter referrals• Passport replacement assistanceDon’t forget this travel essential!Pack your worldwide emergency travel assistance phone number and leave travel worries at home.Reference Number: 01-AA-UN-762490

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* Hospital admission is coordinated by Assist America, Inc. It may require a validation of your medical insurance or an advance of funds to the foreign medical facility. You must repay any expenses related to emergency hospital admissions to Assist America, Inc. within 45 days. Worldwide emergency travel assistance services, provided by Assist America, Inc., are available with select Unum insurance oerings. Terms and availability of service are subject to change and prior notication requirements. Services are not valid after coverage terminates. Please contact your Unum representative for details. All emergency travel assistance must be arranged by Assist America, which pays for all services it provides. Medical expenses, such as prescriptions or physician, lab or medical facility fees are paid by the employee or the employee’s health insurance.**Spouses and children traveling on business for their employers are not eligible to access these services during those trips. Insurance products are underwritten by the subsidiaries of Unum Group.© 2020 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.EN-1935-1 FOR EMPLOYEES (11-20)unum.com24/7 SERVICES ANYWHERE IN THE WORLDUnum’s travel assistance services are provided by Assist America, Inc., a leading provider of global emergency assistance services through employee benefit plans. Assist America’s medically certified personnel are ready to help 24 hours a day, 365 days a year, and can connect you with pre-qualified, English-speaking and Western-trained medical providers anywhere in the world.WHETHER TRAVELING FOR BUSINESS OR PLEASURE, ONE PHONE CALL CONNECTS YOU TO:• Multi-lingual, medically certified crisis managementprofessionals• A state-of-the-art global response operations center• Qualified medical providers around the worldTRAVEL ASSISTANCE FAQS Which countries can I travel to? Assist America’s services have no geographical exclusions. Its worldwide network stands ready to help wherever your travels take you. Is my family covered? Your spouse and dependent children up to age 19 (or the age specified by your medical plan) are covered.** Are pre-existing conditions excluded? No. Whether your medical emergency is the result of a new or pre-existing condition, Assist America’s trained representatives will help you find qualified medical care and facilities. What about sports-related injuries? Whether you’ve been involved in recreational or extreme sporting, worldwide emergency travel assistance will provide support for all your medical needs. Who pays for the services I use if I have a travel emergency? Assist America arranges and pays for 100% of the services the company provides, with no caps or charge-backs to either you or your employer. But you must call Assist America first — you can’t be reimbursed for services you arrange on your own.*Within the U.S. 1-800-872-1414Outside the U.S. (U.S. access code) +609-986-1234 Via e-mail: medservices@assistamerica.comYou can access travel assistance services through the phone number on your travel assistance wallet card. If you have misplaced your card, contact your human resources department and ask for a replacement. If you need travel assistance anywhere in the world, contact us day or night.

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1Unum | How to le a claim or leaveunum.com/accessComplete one easy-to-use guided form, and we’ll check it for completeness before you submit—helping minimize delaysChoose direct deposit and get approved payments up to a week faster than checkLog in to view status 24/7 Opt in to receive updates and requests through email or text instead of snail mailUpload required documents any time—even using your phone’s camera! Access your policy documents and year-end tax forms The same tools in your online account areavailable in the app—giving you a flexible, efficientand transparent experience. You can:Experience the benets of ling and managing your claim or leave onlineOnly your employer can electronically file, or check the status of a Term Life or Accidental Death & Dismemberment (AD&D) claim.Get the MyUnum for Members mobile app• Enjoy the convenience of your online account on-the-goby downloading from the applicable app store*• Easily submit photos of required documents directlyfrom the appRegister for an account at unum.com/access• View benefits and file claims or leave• Upload documents and add/update medical providers• Update your profile & communication preferences• View status and payment informationUse your MyUnum for Membersonline account for fastest results!When life gets complicated, we make it simple to access the benets you need. Don’t worry, we’ve got you. How to le a claim or leave requestUnhide the Client Name Layer.CM Dis, LCrane Worldwide Logistics, LLC

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ClaimsCallout The mobile app makes the claims experience simple!The MyUnum for Members app makes submitting your claims convenient and quick, especially when you’re away from work.With just a few taps, you can check status and upload documents using your device’s camera.Download today from the applicable appstore to get the most convenient, efficient, and transparent claims experience! Approved for leave, but need to submit intermittent absences?Once approved, you will need to report and track intermittent absences throughout the duration of your leave. Always contact your supervisor or manager when you need time off, then log your absences to the approved leave appearing on your online account dashboard.The mobile app makes it simple!The MyUnum for Members app makes submitting intermittent absences convenient and quick, especially when you’re away from work. Filing a dental or vision claimElectronic submission is not available for dental and vision claims. Contact customer service at 888-400-9304, or download a claim form from unumdentalcare.com and unumvisioncare.com.You can mail, fax or email your claim form, along with the required documentation.Dental:Mail: Claims Department P.O. Box 80139 Baton Rouge, LA 70898-0139Fax: 855-400-9307Email: DentalClaims@Unum.comVisionMail: Claims Department P.O. Box 14389 Baton Rouge, LA 70898-4389Fax: 855-400-9307Email: VisionClaims@Unum.com File by paper form • STD, LTD, Term Life, AD&D: Get claim forms at unum.com/access. • Send your form and required documents to the fax number or mailing address on the form • Once your claim or leave is received, please allow 24 - 48 hours for status to appear online.Questions?Unable to le online?• STD, LTD: 888-779-1054• Term Life, AD&D: 800-445-0403• Experienced representatives are available to assist you8 a.m. to 8 p.m. ET, Monday through Friday• Note that additional required documents may be requested to complete the process

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On the app1. Download the MyUnum for Members app from either Apple® or Google PlayTM.2. If you already have an account, you can log in. 3. If you do not have an account, select “register.” a. Read the Terms of Use and select “I understand and accept.” b. If this is your first time registering in the app, you’ll see a series of Welcome screens. Review the featured app highlights or tap “skip” if you prefer.33b14. On the main dashboard, click on the “Start new claim or leave” button5. Provide information about what happened so Unum can identify which coverage applies to your situation.6. Add information about the following: a. The claimant (you or a family member) b. Your employment c. Medical events resulting from the event, like surgery e. Medical providers visited — physicians, hospitals, other medical professionals7. Review your information and: a. Confirm responses b. Provide medical authorization c. Review fraud statement8. Select “Accept” and “Submit.”9. View confirmation screen, see any next tasks and track progress.6594unum.comApple is a registered trademark of Apple Inc.Google Play is a trademark of Google LLC.© 2022 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.Insurance products are underwritten by the subsidiaries of Unum Group.MK-669700-2 FOR EMPLOYEES (3-22)

Crane Worldwide Unum Benefit Guide

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