Grant Sheet Metal Benefit Guide 2023-2024 : simplebooklet.com

ELIGIBILITY & ENROLLMENTWho is Eligible and When?If you are a full-time employee (working 30 ormore hours per week[1]), you are eligible to enrollin the benefits described in this guide. Yourspouse and dependent children (up to age 26)are eligible to enroll in these benefits as well.New Hire EnrollmentNew employees hired after the Annual Open Enrollment period are eligible for benefits on the first day of the month following 60 days of employment. Employees must complete benefit elections using the online benefits portal Employee Navigator within 60 days of the enrollment eligibility date.Annual Enrollment PeriodDuring Annual Open Enrollment, all employeesare encouraged to review their elections byaccessing the online benefits portal EmployeeNavigator. If you do nothing, you will not beenrolled in benefits for the 2023 plan year.Mid-Year Change in Status EventThe benefit elections you make during your initialenrollment period will be in effect through August31, 2024. If you have a “qualifying life event,”you may make changes to certain benefits if youapply for the change and provide supportingdocumentation to Human Resources within 30days of the event. Proof of life events is subjectto approval by Specialized Assessment &Consulting. Documentation is required to besubmitted timely. Changes are effectiveprospectively unless the event is for birth,adoption, or placement for adoption. Qualifyinglife events include, but are not limited to: Your marriage or divorce Birth, adoption or placement for adoption ofan eligible child (Retroactive to the date ofthe event) Death of your spouse or covered dependent Change in you or your spouse’s work statusthat affects benefits eligibility (for example,starting a new job, leaving a job, changingfrom part-time to full-time, starting orreturning from an unpaid leave of absence,etc.) Your spouse’s Open Enrollment differs fromyours A change in your child’s eligibility for benefits Gain or loss of Medicare or Medicaid duringthe year Relocation if the move impacts access tocoverageOther qualifying events may also apply. Pleasecontact Human Resources

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Help is at your ﬁngertips Contact informationBlue Cross Medical PlanFor personalized claim and plan information:Go to BCBSTX.comClick on “Log in” to set up your personalized website.Humana Dental & Vision PlanFor personalized claim and plan information:Go to Humana.comClick on “Log in to MyHumana” to set up your personalized website.Life InsuranceFor all Life Insurance claims please contact Grant Sheet Metal’s HR Department.Find your providersOnline Provider DirectoriesBlue Cross Blue Shield Medicalhttp://www.bcbstx.com/Under Provider Finder, click “Start Here” Under “Select a Plan” select “Blue Choice PPO plan” or “Blue Advantage HMO plan” then select “Search by Name” or “Search by Type”OR Login to your personalized Blue Access for Members site (best).Humana Dental & VisionClick on “Find a Doctor” Under Search Type, select “Dental” or “Vision”For Dental choose: “PPO/Traditional Preferred” networkOR Login to your personalized MyHumana site to ﬁnd providers (best).YOUR BENEFIT PLANS EFFECTIVE SEPTEMBER 1, 2023 - AUGUST 31, 2024MEDICAL PLANS - Blue CrossGrant Sheet Metal offers 4 medical plan choices through Blue Cross - a PPO Copay Plan, a PPO Health Savings Account qualiﬁed High Deductible Plan (HSA) plan, an HMO Copay plan, and an HMO Health HSA plan.Grant Sheet Metal will pay a portion of your employee only monthly cost. Your portion of the premium will be deducted from your paycheck on a pre-tax basis. The plan you elect during your enrollment period will be your plan for the entire plan year, and coverage cannot be changed or dropped unless you have a Qualifying Event.Please see the plans’ Summary of Beneﬁts and Coverages for more details.DENTAL PLAN - HumanaGrant Sheet Metal offers a dental plan through Humana. Grant Sheet Metal will pay a portion of your employee only monthly costs. Your portion of the premium will be deducted from your paycheck on a pre-tax basis. Please refer to the Humana dental beneﬁt summary for additional details.VISION PLAN - HumanaGrant Sheet Metal offers a vision plan through Humana. Grant Sheet Metal will pay a portion of your employee only monthly costs. Your portion of the premium will be deducted from your paycheck on a pre-tax basis. Please refer to the Humana vision beneﬁt summary for additional details.LIFE INSURANCE - Humana All full time beneﬁt eligible employees will also be enrolled in a $30,000 life insurance beneﬁt This plan is at no cost to you. The life plan also includes coverage for Accidental Death and Dismemberment.SHEET METAL

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2023 Medical Plan Choices - weekly pay periods Blue Cross MTBCP026 PPO CopayBlue Cross MTBCP007H PPO HSABlue Cross MTBAB036 HMO CopayBlue Cross MTBAB301H HMO HSANetworkBlue Choice PPOBlue Choice PPOBlue Advantage HMOBlue Advantage HMOPCP selection required?NoNoYesYesHealth Savings Account qualifiedNoYesNoYesIn-Network Deductible$3,000 Individual $9,000 Family$5,000 Individual $10,000 Family$4,000 Individual $12,000 Family$7,500 Individual $15,000 FamilyIn-Network Out of Pocket Maximum$7,350 Individual $14,700 Family; includes deductible & copays$5,000 Individual $10,000 Family; includes deductible$7,900 Individual $15,800 Family; includes deductible$7,500 Individual $15,000 Family; includes deductibleNon-network Deductible$6,000 Individual $18,000 Family$10,000 Individual $20,000 FamilyNot applicableNot applicableNon-network Out of Pocket MaxUnlimitedUnlimitedNot applicableNot applicableCoinsurance70% in-network 50% non-network100% in-network 70% non-network70% in-network non-network not covered100% in-network non-network not coveredNetwork Office Visits$50 GP $100 Specialist100% in-network 70% non-network after deductible$35 PCP $70 Specialist100% in-network after deductible non-network not coveredPreventive Care (in-network)100%, no deductible100%, no deductible100%, no deductible100%, no deductibleHospital & Outpatient Surgery70% in-network 50% non-network after deductible100% in-network 70% non-network after deductible70% in-network after deductible non-network not covered100% in-network after deductible non-network not coveredEmergency ServicesER: $500 + deductible & 30% Urgent Care: $75100% in-network 70% non-network after deductibleER: $500 + deductible & 30% Urgent Care: $75100% in-network after deductible ER covered in and out of network Prescription Drugs$10/20/70/120/150/250 (non-preferred pharmacy)100% in-network after deductible$10/20/70/120/150/250 (non-preferred pharmacy)100% in-network after deductible2023 Per Pay Check (52 pay periods - weekly) Medical Plan CostEmployee Only$75.13$63.90$57.29$40.31Employee + Spouse$307.13$261.26$234.20$164.79Employee + Child(ren)$205.95$175.20$157.05$110.50Employee + Family $437.95$372.55$333.97$234.98Grant Sheet Metal Benefit Plans At-a-Glance Effective Date September 1, 2023This beneﬁts at a glance is for reference purposes only. In the event of a discrepancy, the insurance company policy and procedure will prevail.

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VIRTUAL VISITSSay “Hello” to the Modern House CallVirtual health care, also known as“telemedicine,” is the delivery of medical care bycertified health professionals via securephone/internet connections or apps. This benefitis provided to you as part of your medical planbenefits. You can request a visit with a doctor 24hours a day, 365 days a year, by web, phone, ormobile app. You choose the method for your visit!This benefit is provided to you and your eligiblefamily members as part of your medical planbenefits.How does it work? Register at the medical carrier website– (have your insurance card handy) Download the medical carrier mobile app Find a doctor by specialty or availability andrequest a visit The doctor will review your medical historyand available records and perform aconsultation When appropriate, a prescription will be sentto the pharmacy of your choice A post appointment summary and follow-upcare instructions will be provided after thevisitWhen should I use a virtual doctor? Your doctor is not available You become ill when traveling You are considering visiting a hospitalemergency room for a non-emergencyhealth conditionVirtual Doctor Visits are not a good option whenan illness or injury requires urgent or emergencycare; or when you require an exam, test, or youhave a complex or chronic condition, sprains orbroken bones.BCBS of TXMDLiveNon-Emergency Conditions (examples): Allergies Asthma Nausea Cold Pink Eye Stomachache Flu Ear Problems Sinus Infections

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PREVENTIVE CARE BENEFITSAnnual Physicals and Preventive CarePreventive care is covered at 100% when usingan in-network provider, with some exceptionsrelated to COVID-19. This means that you will nothave copays, coinsurance, or deductibleexpenses when you visit an in-network providerfor your preventive care visits.Preventive care visits include services such asannual physicals, routine well-woman visits, andwell-child exams.Important: Services will not be consideredpreventive and will not be covered 100% if theyare part of a visit to diagnose, monitor, or treatan already existing symptom, illness, or injury; or,if you utilize an out-of-network provider and/orfacility for part of the visit or tests.To help you make sure that your preventive visitis covered 100%, we have provided the followingtips when scheduling your next preventive carevisit and/or while you are at the physician’soffice.1. Confirm your physician is in-network withyour health plan.2. When you schedule your appointment,explain you are coming in for your annualpreventive care physical and that it shouldbe covered 100% by your insurance.Remember, not all screening and tests areconsidered medically necessary and somehave age limits before they arerecommended for preventive care andcovered 100%.3. Each member is allowed one preventivephysical every year. Confirm with yourdoctor or carrier that it has been at least12 months since your last physical.4. While at your visit, if you mention to yourphysician that you are experiencing specificsymptoms or issues, the purpose of yourvisit could change from preventive todiagnosing a symptom and/or illness. Ifnecessary, schedule a separateappointment for any current symptoms toensure the testing is coded as preventivecare and covered 100%. Do not ignorecurrent symptoms or issues and schedulethat appointment as soon as possible orhave it addressed at your preventive visitknowing you may now need to pay for theoffice visit and/or tests.5. If the physician sends you to a separatefacility to have a preventive procedure ortest performed, ensure that the facility isin-network and ask your physician if theprocedure is covered 100%.

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TEXASGrant Sheet MetalsSGB0188AHumana Dental Traditional PlusPage 1 of 41-800-233-4013 • Humana.comIf you use anIN-NETWORK dentistIf you use anOUT-OF-NETWORK dentistCalendar-yeardeductible(excludes orthodontia services)Individual$50Family$150Individual$50Family$150Deductible applies to all services excluding preventiveservices.Calendar-yearannual maximum (excludes orthodontia services)UnlimitedPreventive services• Routine oral examinations (3 per year)• Bitewing x-rays (2 films under age 10, up to 4 filmsages 10 and older)• Routine cleanings (3 per year)• Periodontal cleanings (4 per year)• Fluoride treatment (1 per year, through age 16)• Sealants (permanent molars, through age 16)• Space maintainers (primary teeth, through age 15)• Oral Cancer Screening (1 per year, ages 40 and older)100% no deductible 100% no deductible Basic services • Emergency care for pain relief • Amalgam fillings (1 per tooth every 2 years,composite for anterior/front teeth) • Composite fillings (1 per tooth every 2 years, molarteeth)• Oral surgery (tooth extractions including impactedteeth)• Stainless steel crowns• Harmful habit appliances for children (1 per lifetime,through age 14)80% after deductible 80% after deductible x Major services• Crowns (1 per tooth every 5 years)• Inlays/onlays (1 per tooth every 5 years)• Bridges (1 per tooth every 5 years)• Dentures (1 per tooth ever 5 years)• Denture relines/rebases (1 every 3 years, following 6months of denture use)50% after deductible 50% after deductible • Denture repair and adjustments (following 6 monthsof denture use)• Implant Related Services (crowns, bridges, anddentures each limited to 1 per tooth every five years.Coverage limited to equivalent cost of a non-implantservice. Implant placement itself is not covered.)• Periodontics (scaling/root planing and surgery 1 perquadrant every 3 years) • Endodontics (root canals 1 per tooth per lifetime and1 re-treatment) x

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Humana Dental Traditional Plus1-800-233-4013 • Humana.comPage 2 of 4Orthodontia servicesMembers may receive a discount on non-covered services ofup to 20%. Members may contact their participatingprovider to determine if any discounts are available onnon-covered services.Non-participating dentists can bill you for charges above the amount covered by your HumanaDental plan. To ensureyou do not receive additional charges, visit a participating PPO Network dentist. Members and their families benefitfrom negotiated discounts on covered services by choosing dentists in our network. If a member visits a participatingnetwork dentist, the member will not receive a bill for charges more than the negotiated fee for covered services. If amember sees an out-of-network dentist, coinsurance will apply to the usual and customary charge. Out-of-networkdentists may bill you for charges above the amount covered by your dental plan.Waiting periodsEmployer-sponsored funding: 10+ enrolled employees Enrollment type Preventive Basic Major Orthodontia Initial enrollment, open enrollment No No No Not availableand timely add-on Late applicant 1, 2 No 12 months 12 months Not available1 Late applicants not allowed with open enrollment option. 2 Waiting periods do not apply to endodontic or periodontic services unless a late applicant.

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Questions? Simply call 1-800-233-4013 to speak witha friendly, knowledgeable Customer Carespecialist, or visit Humana.com. Humana.comPlan summary created on: 8/15/19 15:30Feel good about choosinga HumanaDental plan Make regular dental visits a priorityRegular cleanings can help manage problemsthroughout the body such as heart disease, diabetes,and stroke.* Your HumanaDental Traditional Preferredplan focuses on prevention and early diagnosis,providing four exams and cleanings every calendar year:two regular and two periodontal.* www.perio.orgGo to MyDentalIQ.comTake a health risk assessment that immediately ratesyour dental health knowledge. You'll receive apersonalized action plan with health tips. You can print acopy of your scorecard to discuss with your dentist atyour next visit.Tips to ensure a healthy mouth• Use a soft-bristled toothbrush• Choose toothpaste with fluoride• Brush for at least two minutes twice a day• Floss daily• Watch for signs of periodontal disease such as red,swollen, or tender gums• Visit a dentist regularly for exams and cleaningsDid you know that 74 percent of adult Americans believe anunattractive smile could hurt a person's chances for careersuccess?* HumanaDental helps you feel good about your dentalhealth so you can smile confidently.* American Academy of Cosmetic DentistryUse your HumanaDentalbenefitsFind a dentistWith HumanaDental's Traditional Preferred plan, you cansee any dentist. Members and their families benefit fromnegotiated discounts on covered servcies by choosingdentists in the HumanaDental Traditional PreferredNetwork. To find a dentist in HumanaDental's TraditionalPreferred Network, log on to Humana.com or call1-800-233-4013.Know what your plan coversThe other side of this page gives you a summary ofHumanaDental benefits. Your plan certificate describesyour HumanaDental benefits, including limitations andexclusions. You can find it on MyHumana, your personalpage at HumanaDental.com or call 1-800-233-4013.See your dentistYour HumanaDental identification card contains all theinformation your dentist needs to submit your claims. Besure to share it with the office staff when you arrive foryour appointment. If you don't have your card, you canprint proof of coverage at Humana.com.Learn what your plan paidAfter HumanaDental processes your dental claim, you willreceive an explanation of benefits or claims receipt. Itprovides detailed information on covered dental services,amounts paid, plus any amount you may owe yourdentist. You can also check the status of your claim onMyHumana at Humana.com or by calling1-800-233-4013.Policy Number: TX-70090-HC 1/14Humana group dental plans are offered by Humana Insurance Company, HumanaDental Insurance Company, Humana InsuranceCompany of New York, Humana Health Benefit Plan of Louisiana, The Dental Concern, Inc., Humana Medical Plan of Utah,CompBenefits Company, CompBenefits Dental, Inc., Humana Employers Health Plan of Georgia, Inc. or DentiCare, Inc. (d/b/aCompBenefits)This is not a complete disclosure of plan qualifications and limitations. Your agents will provide you with specific limitations andexclusions as contained in the Regulatory and Technical Information Guide. Please review this information before applying forcoverage. The amount of benefits provided depends upon the plan selected. Premiums will vary according to the selection made.Humana Dental Traditional PlusPage 3 of 4

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TEXASGrant Sheet MetalsSGB0188AHumana Vision 130Humana.com Page 1 of 4Vision care servicesIf you use anIN-NETWORK provider(Member cost)If you use anOUT-OF-NETWORK provider(Reimbursement)Exam with dilation as necessary • Retinal imaging1$10Up to $39Up to $30Not coveredContact lens exam options2• Standard contact lens fit and follow-up• Premium contact lens fit and follow-upUp to $5510% off retailNot coveredNot coveredFrames3$130 allowance20% off balance over $130$65 allowanceStandard plastic lenses4• Single vision• Bifocal• Trifocal• Lenticular$15$15$15$15Up to $25Up to $40Up to $60Up to $100Covered lens options4• UV coating• Tint (solid and gradient)• Standard scratch-resistance• Standard polycarbonate - adults• Standard polycarbonate - children <19• Standard anti-reflective coating• Premium anti-reflective coatingx- Tier 1- Tier 2- Tier 3• Standard progressive (add-on to bifocal)• Premium progressive - Tier 1- Tier 2- Tier 3- Tier 4• Photochromatic / plastic transitions• Polarizedx$15 $15 $15 $40 $40$45 Premium anti-reflective coatings as follows:$57 $68 80% of charge$15 Premium progressives as follows:$110 $120 $135 $90 copay, 80% of charge less $120 allowance$75 20% off retailxNot coveredNot coveredNot coveredNot coveredNot coveredNot coveredPremium anti-reflective coatings as follows:Not coveredNot coveredNot coveredUp to $40Premium progressives as follows:Not coveredNot coveredNot coveredNot coveredNot coveredNot coveredContact lenses5 (applies to materials only)• Conventionalx• Disposable• Medically necessary$130 allowance,15% off balance over $130$130 allowance$0$104 allowance$104 allowance$200 allowance

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Humana Vision 130Humana.com Page 2 of 4Vision care servicesIf you use anIN-NETWORK provider(Member cost)If you use anOUT-OF-NETWORK provider(Reimbursement)Frequency • Examination• Lenses or contact lenses• FrameOnce every 12 monthsOnce every 12 monthsOnce every 24 monthsOnce every 12 monthsOnce every 12 monthsOnce every 24 monthsDiabetic Eye Care: care andtesting for diabetic members• Examination- Up to (2) services per year • Retinal Imaging- Up to (2) services per year • Extended Ophthalmoscopy- Up to (2) services per year • Gonioscopy- Up to (2) services per year • Scanning Laser- Up to (2) services per year$0$0$0$0$0Up to $77Up to $50Up to $15Up to $15Up to $33 1. Member costs may exceed $39 with certain providers. Members may contact their participating provider to determine what costs or discounts are available.2 Standard contact lens exam fit and follow up costs and premium contact lens exam discounts up to 10% may vary by participating provider. Members may contact their participating provider to determine what costs or discounts are available.3 Discounts may be available on all frames except when prohibited by the manufacturer. 4 Lens option costs may vary by provider. Members may contact their participating provider to determine if listed costs are available. 5 Plan covers contact lenses or frames, but not both.XDONOTDELETEAdditional plan discounts• Member may receive a 20% discount on items not covered by the plan at network Providers. Members may contacttheir participating provider to determine what costs or discounts are available. Discount does not apply to EyeMedProvider's professional services, or contact lenses. Plan discounts cannot be combined with any other discounts orpromotional offers. Services or materials provided by any other group benefit plan providing vision care may not becovered. Certain brand name Vision Materials may not be eligible for a discount if the manufacturer imposes ano-discount practice. Frame, Lens, & Lens Option discounts apply only when purchasing a complete pair ofeyeglasses. If purchased separately, members receive 20% off the retail price.• Members may also receive 15% off retail price or 5% off promotional price for LASIK or PRK from the US LaserNetwork, owned and operated by LCA Vision. Since LASIK or PRK vision correction is an elective procedure,performed by specialty trained providers, this discount may not always be available from a provider in yourimmediate location.

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Plan summary created on: 8/15/19 14:32Vision health impactsoverall healthRoutine eye exams can leadto early detection of visionproblems and other diseasessuch as diabetes, hypertension,multiple sclerosis, high bloodpressure, osteoporosis, andrheumatoid arthritis 1.Humana Vision products insured by Humana InsuranceCompany, Humana Health Benefit Plan of Louisiana, TheDental Concern, Inc. or Humana Insurance Company ofNew York.This is not a complete disclosure of the planqualifications and limitations. Specific limitations andexclusions as contained in the Regulatory and TechnicalInformation Guide will be provided by the agent. Pleasereview this information before applying for coverage.NOTICE: Your actual expenses for covered services mayexceed the stated cost or reimbursement amountbecause actual provider charges may not be used todetermine insurer and member payment obligations.1 Thompson Media Inc.Policy number: TX-70148-019/15et.al.Page 3 of 4Limitations and Exclusions:In addition to the limitations and exclusions listed in your "Vision Benefits" section,this policy does not provide benefits for the following: 1. Any expenses incurred while you qualify for any worker's compensation oroccupational disease act or law, whether or not you applied for coverage.2. Services:•That are free or that you would not be required to pay for if you did not have thisinsurance, unless charges are received from and reimbursable to the U.S.government or any of its agencies as required by law;•Furnished by, or payable under, any plan or law through any government or anypolitical subdivision (this does not include Medicare or Medicaid); or•Furnished by any U.S. government-owned or operated hospital/institution/agencyfor any service connected with sickness or bodily injury.3. Any loss caused or contributed by:•War or any act of war, whether declared or not;•Any act of international armed conflict; or•Any conflict involving armed forces of any international authority.4. Any expense arising from the completion of forms.5. Your failure to keep an appointment.6. Any hospital, surgical or treatment facility, or for services of an anesthesiologist oranesthetist.7. Prescription drugs or pre-medications, whether dispensed or prescribed.8. Any service not specifically listed in the Schedule of Benefits.9. Any service that we determine:•Is not a visual necessity;•Does not offer a favorable prognosis;•Does not have uniform professional endorsement; or•Is deemed to be experimental or investigational in nature.10. Orthoptic or vision training.11. Subnormal vision aids and associated testing.12. Aniseikonic lenses.13. Any service we consider cosmetic.14. Any expense incurred before your effective date or after the date your coverageunder this policy terminates.15. Services provided by someone who ordinarily lives in your home or who is a familymember.16. Charges exceeding the reimbursement limit for the service.17. Treatment resulting from any intentionally self-inflicted injury or bodily illness.18. Plano lenses.19. Medical or surgical treatment of eye, eyes, or supporting structures.20. Replacement of lenses or frames furnished under this plan which are lost orbroken, unless otherwise available under the plan.21. Any examination or material required by an Employer as a condition ofemployment.22. Non-prescription sunglasses.23. Two pair of glasses in lieu of bifocals.24. Services or materials provided by any other group benefit plans providing visioncare.25. Certain name brands when manufacturer imposes no discount.26. Corrective vision treatment of an experimental nature.27. Solutions and/or cleaning products for glasses or contact lenses.28. Pathological treatment.29. Non-prescription items.30. Costs associated with securing materials.31. Pre- and Post-operative services.32. Orthokeratology.33. Routine maintenance of materials.34. Refitting or change in lens design after initial fitting, unless specifically allowedelsewhere in the certificate.35. Artistically painted lenses.

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SGB0031AHumana Basic LifeGrant Sheet MetalTEXASTXHLJ7TEN 06/23Page 1 of 4 800-233-4013 | Humana.comCoverage Loss BenefitLife insuranceDeath Your beneficiary will receive $30,000.Accelerateddeath benefitTerminal illness with a life-expectancyof 24 months or less.50 percent of the life benefit amount to amaximum benefit of $250,000. The final lifebenefit amount will be reduced by the amountof the accelerated death benefit paid (may varyby state).DependentinsuranceDeath of spouseDeath of dependent child (Some limitationsapply. No benefit for birth through 14 days.Reduced benefit for age 15 days to 6 months)No dependent coverage selected.No dependent coverage selected.Accidental deathor bodily injury(AD&D)1,2Loss of Life / Dismemberment*Benefit: Non commoncarrier accidentBenefit: Commoncarrier accidentLoss of life 100% 200%Loss of both hands 100% 200%Loss of both limbs 100% 200%Loss of both legs 100% 200%Loss of both feet 100% 200%Loss of sight in both eyes 100% 200%Loss of one hand and one foot 100% 200%Loss of one hand or one foot and sight of oneeye100% 200%Quadriplegia 100% 200%Paraplegia 50% 200%Hemiplegia 50% 200%Loss of one hand 50% 200%Loss of one arm 50% 200%Loss of one leg 50% 200%Loss of one foot 50% 100%Loss of sight of one eye 50% 100%*Reimbursement percentages for each benefit based on principle amount1The total benefit for all losses resulting from the same accident will be limited to the one type of loss which provides thegreatest benefit. This is in addition to the life benefit amount. 2Benefits only applicable if policy includes AD&D coverage. See certificate for full coverage details.

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SGB0031AHumana Basic LifeGrant Sheet MetalTEXASTXHLJ7TEN 06/23Page 2 of 4 800-233-4013 | Humana.comAD&D2includes the following benefits:Seat belt-airbaghelmet benefitDeath as the result of an auto accident whileproperly using a seat belt, or wearing aproperly fitted and fastened motorcyclehelmet in a motorcycle accident.Amount of your accidental death benefitincreases by 10 percent, but not less than$1,000 or more than $10,000. In addition, wewill increase your accidental death benefit by 5percent, to a maximum of $5,000 but no lessthan $500, for a properly functioning airbag.Education benefitDeath as the result of an accident. Actual expense to a maximum of $5,000 or 5percent of death benefit. Payable up to fouryears for employee's dependent children oruntil age 25. Dependent must be a full-timestudent beyond 12th grade at a college,university or vocational school on the date ofthe employee's death or within 365 days afterthe death.Childcare benefitDeath as the result of an accident. Actual expense to a maximum of $5,000 or 5percent of death benefit. For a dependent in alicensed childcare center up to four consecutiveyears after the employee's death, or until thechild's 13th birthday.Coma benefitEmployee is in a coma caused by abody injury, the coma begins within 365days after the accident; and the personremains in a coma for more than 31consecutive daysOne time payment of 5 percent of theemployee's benefit, subject to a maximum of$5,000.RepatriationbenefitDeath as the result of an accident. Actual expenses to a maximum of $5,000 ifemployee dies as a result of an accidentaldeath at least 150 miles from his/her principalplace of resident, and there are expenses forpreparing and transporting the employee'sbody to a mortuary.Spouse trainingbenefitDeath as the result of an accident. Actual expense to a maximum of $5,000 or 5percent of death benefit for one year after theemployee's death. Survivor must be enrolled asa student in an accredited school on the date ofthe employee's death or within 365 days afterthe death. 2Benefits only applicable if policy includes AD&D coverage. See certificate for full coverage details.

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SGB0031AHumana Basic LifeGrant Sheet MetalTEXASPolicy Number: TX-70050-07 EM POLICY 5/06 et.al., ICC22-GN-70050-07 EM POLICY et.al.TXHLJ7TEN 06/23Plan summary created on: 8/6/23 12:36Page 3 of 4 800-233-4013 | Humana.comEligibility to participateActive, full-time employees are eligible for coverage.Conversion privilegeIf your employment ends, you may be eligible to convert your coverage to an individual whole life insurance policy.Insured by Humana Insurance Company or Humana Insurance Company of Kentucky. In Arizona, group life plans insured byHumana Insurance Company. In New Mexico, group life plans insured by Humana Insurance Company.This is not a complete disclosure of plan qualifications and limitations. Please review your Certificate of Insurance for acomplete list of benefits. The Certificate of Insurance is the document upon which eligibility and benefit payment will bedetermined. Your agent/broker will provide you with specific limitations and exclusions as contained in the Regulatory andTechnical Information Guide. Please review this information before applying for coverage.Questions?Check out Humana.comCall 800-233-4013 anytime for automatedinformation or 8 a.m. – 6 p.m., Eastern, for aCustomer Care specialist.Age reduction scheduleBeginning at age 65 (or age 70 in schedule three),employee life coverage will reduce based on the benefitamount in force on the employee’s 64th birthday (orage 69 in schedule three). Basic Dependent Spouse Lifeterminates at age 65 or 70 (see certificate for benefitdetails).Age Schedule one65 35 percent70 55 percent75 70 percent80 80 percent85+ 85 percent

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For more information, talk with your benefits counselor.Group Accident InsurancePreferred PlanColonialLife.comGAC4000 – PREFERRED PLANGroup accident insurance can help with medical or other costs associated with a covered accident or injury that your health insurance may not cover. With this coverage you may not need to use your savings or secure a loan to help pay those unexpected out-of-pocket expenses. Coverage options are available for you, your spouse and eligible dependent children. Benefits are per covered person per covered accident unless stated otherwiseAccident emergency treatment ................................................................................................$150 One visit per covered person per covered accident and Up to four visits per covered person per calendar yearAccident follow-up doctor visit ..................................................................................................$50Up to four visits per covered person per covered accident andUp to 16 visits per covered person per calendar yearAccidental death Accidental deathPer covered person Accidental death common carrier¾ Named insured .....................................................................$50,000 .................. $200,000¾ Spouse ...............................................................................$50,000 .................. $200,000¾ Dependent child(ren) .............................................................. $10,000 ....................$40,000Examples of common carriers are mass transit trains, buses and planesAccidental dismembermentLoss or loss of use¾ One hand, arm, foot, leg or sight of an eye ......................................................................... $9,000¾ Both hands, arms, feet, legs or the sight of both eyes; or any combination ................................ $18,000¾ One finger or one toe ................................................................................................... $1,050¾ Two or more fingers; two or more toes; or any combination ................................................... $2,100Air ambulance .................................................................................................................. $1,500 Transportation to or from a hospital or medical facilityAmbulance (ground)..............................................................................................................$300 Transportation to or from a hospital or medical facilityAppliance aid in personal locomotion or mobility .........................................................................$100Walking boot, neck brace, back brace, leg brace, cane, crutches, walker and wheelchairBlood/plasma/platelets .........................................................................................................$400 Required during treatment of a covered accidentBurn¾ 2nd-degree burns (covering at least 36% of the body’s surface) ..................................................$1,000¾ 3rd-degree burns (based on size) ......................................................................... $2,000 – $15,000Burn–skin gra ...................................................................................50% of applicable burn benefitAs a result of 2nd-degree or 3rd-degree burns

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Catastrophic accidentTotal and irrecoverable loss or loss of use¾ Both hands, arms, feet, legs or the sight of both eyes; or any combination; or¾ Loss of hearing in both ears or loss of ability to speak Subject to a 365-day elimination period; payable once per lifetime per covered person¾ Named insured ..................................................................................................................................................$50,000¾ Spouse ..................................................................................................................................................................$50,000 ¾ Dependent child(ren) .......................................................................................................................................$25,000Coma ...............................................................................................................$10,000Lasting for 14 or more consecutive daysConcussion ............................................................................................................ $375Dislocation (separated joint) Non-surgical Surgical¾ Hip ........................................................................................$3,000 $6,000¾ Knee (except patella) ..................................................................$1,500 $3,000¾ Ankle, bone or bones of the foot (other than toes) ...............................$1,200 $2,400¾ Collarbone (sternoclavicular) ..........................................................$800 $1,600¾ Collarbone (acromioclavicular and separation) ....................................$200 $400¾ Lower jaw ..................................................................................$720 $1,440¾ Shoulder (glenohumeral) ............................................................ $1,200 $2,400¾ Elbow ....................................................................................... $450 $900¾ Wrist ........................................................................................ $600 $1,200¾ Bone(s) of the hand, (other than fingers) ............................................. $810 $1,620¾ Finger, toe ..................................................................................$200 $400¾ Incomplete dislocation or dislocation reduction.................................. 25% of the applicable without anesthesia non-surgical amountEmergency dental work ¾ Dental crown or denture ....................................................................................$300 ¾ Dental extraction .............................................................................................$100 Eye injury ..............................................................................................................$300 With surgical repair or removal of a foreign objectFracture (broken bone) Non-surgical Surgical¾ Skull, depressed fracture (except face/nose) ......................................$3,750 $7,500¾ Skull, simple non-depressed fracture (except face/nose) .......................$1,800 $3,600¾ Hip, thigh (femur) ......................................................................$3,150 $6,300¾ Body of vertebrae (excluding vertebral processes) ...............................$2,700 $5,400¾ Pelvis .....................................................................................$2,400 $4,800¾ Leg (tibia and/or fibula) ...............................................................$1,800 $3,600¾ Bones of the face or nose (except mandible or maxilla) ...........................$910 $1,820¾ Upper jaw, maxilla, upper arm between .......................................... $1,050 $2,100 elbow and shoulder¾ Lower jaw, mandible ................................................................. $1,200 $2,400¾ Kneecap, ankle, foot .................................................................. $1,200 $2,400¾ Shoulder blade, collarbone ......................................................... $1,200 $2,400¾ Vertebral processes ......................................................................$630 $1,260¾ Forearm, hand, wrist ................................................................. $1,200 $2,400¾ Rib .......................................................................................... $375 $750¾ Coccyx .....................................................................................$320 $640¾ Finger, toe .................................................................................$200 $400¾ Chip fracture .................................................25% of the applicable non-surgical amountAlex was cleaning out the gutters when he fell. ALEX’S BENEFITS Ambulance $300Emergency room visit $150X-ray $60Hospital admission $1,000Hospital confinement $750Leg fracture (surgical) $3,600Physical therapy $360Appliance (crutches) $100Doctor’s follow-up oice visit $150$6,470EMERGENCY ROOM VISITAlex was taken by ambulance to the nearest emergency room and received immediate care.The doctor ordered an X-ray and discovered Alex had fractured his leg.DIAGNOSTIC PROCEDUREOver the next several weeks, he had three follow-up appointments with his doctor.DOCTORʼS OFFICE VISITAlex had eight sessions of PT to help him regain the strength in his leg.PHYSICAL THERAPYAlex was admitted to the hospital for surgery on his leg. He was confined for three days.HOSPITAL CONFINEMENTFor illustrative purposes only.Benefit amounts may vary and may not cover all expenses. The certificate has exclusions and limitations.ALEXʼS OUT-OF-POCKET EXPENSESWhen Alex totaled up the bills, he had to pay his annual deductible, as well as co-payments for the ambulance, emergency room, hospital, surgery, physical therapy and follow-up visits. Luckily, Alex had accident coverage to help with these expenses.Alex used crutches.APPLIANCE FOR MOBILITY

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For more information, talk with your benefits counselor.GAC4000 – PREFERRED PLANHospital admission .............................................................................................................$1,000Per covered person per covered accidentHospital confinement .................................................................................................. $250 per dayUp to 365 days per covered person per covered accidentHospital intensive care unit admission .................................................................................... $1,750 Per covered person per covered accidentHospital intensive care unit confinement ........................................................................ $400 per day Up to 15 days per covered person per covered accident Knee cartilage (torn) ............................................................................................................. $750 Laceration (no repair, without stitches) ..........................................................................................$50 Laceration (repaired by stitches)¾ Total of all lacerations is less than two inches long ...................................................................$150¾ Total of all lacerations is at least two but less than six inches long .................................................$300 ¾ Total of all lacerations is six inches or longer ...........................................................................$600 Lodging (companion) ..................................................................................................$200 per day Up to 30 days per covered person per covered accident Medical imaging study (CT, CAT scan, EEG, MR or MRI) ..................................................................... $200 One benefit per covered person per covered accident per calendar yearOccupational or physical therapy ....................................................................................$45 per day Up to 10 days per covered person per covered accident Pain management for epidural anesthesia .................................................................................. $150 Prosthetic device/artificial limb One benefit per covered person per covered accident¾ One ....................................................................................................................... $1,250 ¾ More than one ........................................................................................................... $2,500 Rehabilitation unit confinement ....................................................................................$150 per day Immediately aer a period of hospital confinement due to a covered accident; up to 15 days per covered person per covered accident, not to exceed 30 days per covered person per calendar yearRuptured disc with surgical repair ............................................................................................$900 Surgery¾ Cranial, open abdominal and thoracic .............................................................................. $1,500 ¾ Hernia with surgical repair ............................................................................................... $300Surgery (exploratory and arthroscopic) ....................................................................................... $225Tendon/ligament/rotator cu¾ One with surgical repair .................................................................................................. $900 ¾ Two or more with surgical repair ..................................................................................... $1,800 Transportation for hospital confinement ...................................................................$600 per round tripUp to three round trips for more than 50 miles from home per covered person per covered accidentX-ray ...................................................................................................................................$60

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ColonialLife.com4-18 | 101862HEALTH SAVINGS ACCOUNT (HSA) COMPATIBLEThis plan is compatible with HSA guidelines and any other HSA plan in which a covered family member may participate. It may also be oered to employees who do not have HSAs.THIS CERTIFICATE PROVIDES LIMITED BENEFITS.EXCLUSIONS We will not pay benefits for losses that are caused by, contributed to by or occur as the result of a covered personʼs felonies or illegal occupations, hazardous avocations, racing, semi-professional or professional sports, sickness, suicide or injuries which any covered person intentionally does to himself, war or armed conflict. In addition, we will not pay Catastrophic Accident benefits for injuries a child received during birth, or for injuries that are the result of being intoxicated or under the influence of any narcotics.This information is not intended to be a complete description of the insurance coverage available. This coverage has exclusions and limitations that may aect benefits payable. For cost and complete details, see your Colonial Life benefits counselor. This brochure is applicable to policy form GACC1.0-P and certificate form GACC1.0-C (plus state abbreviations where applicable, such as GACC1.0-P-EE-TX and certificate form GACC1.0-C-EE-TX). Coverage may vary by state and may not be available in all states. Premium at the eective date will vary according to the family coverage type.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2018 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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For more information, talk with your benefits counselor.ColonialLife.comGroup Accident InsuranceHealth Screening BenefitTHIS INSURANCE PROVIDES LIMITED BENEFITS.HEALTH SAVINGS ACCOUNT (HSA) COMPATIBLEThis plan is compatible with HSA guidelines and any other HSA plan in which a covered family member may participate. It may also be oered to employees who do not have HSAs.This information is not intended to be a complete description of the insurance coverage available. The insurance has exclusions and limitations which may aect any benefits payable. Applicable to policy forms GACC1.0-P-EE-TX, certificate form GACC1.0-C-EE-TX and rider form R-GACC1.0-HS-TX. For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company.GAC4000 - HEALTH SCREENING | 10-20 | 101865-1-TXThis benefit can help pay for routine preventive tests and services.Health screening ................................................................................ $100.00Payable once per covered person per calendar year; subject to a 30-day waiting period Blood test for triglycerides Bone marrow testing Breast ultrasound CA 15-3 (blood test for breast cancer) CA 125 (blood test for ovarian cancer) Carotid Doppler CEA (blood test for colon cancer) Chest X-ray Colonoscopy Echocardiogram (ECHO) Electrocardiogram (EKG, ECG) Fasting blood glucose test Flexible sigmoidoscopy Hemoccult stool analysis Mammography Pap smear PSA (blood test for prostate cancer) Serum cholesterol test for HDL and LDL levels Serum protein electrophoresis (blood test for myeloma) Skin cancer biopsy Stress test on a bicycle or treadmill Thermography ThinPrep pap test Virtual colonoscopyUnderwritten 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.

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For more information, talk with your benefits counselor.Group Hospital Confinement Indemnity InsurancePlan 2GROUP MEDICAL BRIDGE – PLAN 2The surgeries listed below are only a sampling of the surgeries that may be covered. Surgeries must be performed by a doctor in a hospital or ambulatory surgical center. For complete details and definitions, please refer to your certificate. Tier 1 outpatient surgical procedures  Breast– Axillary node dissection– Breast capsulotomy– Breast reconstruction– Lumpectomy  Cardiac– Pacemaker insertion  Digestive– Colonoscopy– Fistulotomy– Hemorrhoidectomy (external)– Lysis of adhesions  Skin– Laparoscopic hernia repair– Skin graing  Ear, nose, throat, mouth– Adenoidectomy– Removal of oral lesions– Myringotomy– Tonsillectomy– Tracheostomy  Gynecological– Dilation and curettage (D&C)– Endometrial ablation– Lysis of adhesions  Liver– Paracentesis  Musculoskeletal system– Carpal/cubital repair or release– Dislocation (closed reduction treatment) other than a finger or toe– Foot surgery (bunionectomy, exostectomy, arthroplasty, hammertoe repair)– Fracture (closed reduction treatment) other than a rib, finger or toe– Removal of orthopedic hardware– Removal of tendon lesionGroup Medical BridgeSM insurance can help with medical costs that your health insurance may not cover. These benefits are available for you, your spouse and eligible dependent children. Hospital confinement benefit .......................................................$_______________ per dayMaximum of one day per covered person per calendar yearOutpatient surgical procedure benefit  Tier 1.......................................................................................$_______________ per day  Tier 2.......................................................................................$_______________ per dayMaximum of $________________ per covered person per calendar year for Tier 1 and 2 combined Maximum of one day per outpatient surgical procedure

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THIS POLICY PROVIDES LIMITED BENEFITS. EXCLUSIONS We will not pay benefits for losses which are caused by: dental procedures, elective procedures, cosmetic surgery, felonies or illegal occupations, intoxicants or narcotics, pregnancy of a dependent child, psychiatric or psychological conditions, suicide, intentional injuries, war, armed forces service or giving birth within the first nine months aer the certificate eective date. We will not pay benefits for hospital confinement of a newborn who is neither injured nor sick. We will not pay benefits for loss during the first 12 months aer the eective date due to a pre-existing condition, which means a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within the 12 months before the certificate eective date.For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy forms GMB1.0-P-AU-TX-R and GMB1.0-P-EE-TX-R and certificate forms GMB1.0-C-AU-TX-R and GMB1.0-C-EE-TX-R. This is not an insurance contract and only the actual certificate provisions will control.ColonialLife.com10-18 | 100025-3-TX  Breast– Breast reduction  Cardiac– Angioplasty– Cardiac catheterization  Digestive– Exploratory laparoscopy– Laparoscopic appendectomy– Laparoscopic cholecystectomy  Ear, nose, throat, mouth– Ethmoidectomy– Mastoidectomy– Septoplasty– Stapedectomy– Tympanoplasty– Tympanotomy  Eye– Cataract surgery– Corneal surgery (penetrating keratoplasty)– Glaucoma surgery (trabeculectomy)– Vitrectomy Tier 2 outpatient surgical procedures  Gynecological– Myomectomy  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  Thyroid– Excision of a massUnderwritten by Colonial Life & Accident Insurance Company, Columbia, SC©2018 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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For more information, talk with your benefits counselor.Group Hospital Confinement Indemnity InsuranceHealth Screening BenefitFor cost and complete details, see your Colonial Life benefits counselor. Applicable to policy form GMB1.0-P-R and certificate form GMB1.0-C-R. Coverage may vary by state and may not be available in all states. This is not an insurance contract and only the actual policy provisions will control.GROUP MEDICAL BRIDGE HEALTH SCREENING BENEFIT | 5-18 | 100029-4ColonialLife.comHealth screening benefit ............................................................................ $100 per dayMaximum of one day per covered person per calendar year  Blood test for triglycerides  Bone marrow testing  Breast ultrasound  CA 15-3 (blood test for breast cancer)  CA 125 (blood test for ovarian cancer)  Carotid Doppler  CEA (blood test for colon cancer)  Chest X-ray  Colonoscopy  Echocardiogram (ECHO)  Electrocardiogram (EKG, ECG)  Fasting blood glucose test  Flexible sigmoidoscopy  Hemoccult stool analysis  Mammography  Pap smear  PSA (blood test for prostate cancer)  Serum cholesterol test for HDLand LDL levels  Serum protein electrophoresis(blood test for myeloma)  Skin cancer biopsy  Stress test on a bicycleor treadmill  Thermography  ThinPrep pap test  Virtual colonoscopyGroup Medical BridgeSM insurance’s health screening benefit can help pay for health and wellness tests you have each year.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2018 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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Group Critical Illness InsurancePlan 2GCI6000 – PLAN 2 – CRITICAL ILLNESS AND CANCERWhen 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.Coverage amount: ____________________________COVERED CRITICAL ILLNESS CONDITIONPERCENTAGE OF APPLICABLE COVERAGE AMOUNTBenign brain tumor100%Coma100%End stage renal (kidney) failure100%Heart attack (myocardial infarction)100%Loss of hearing100%Loss of sight100%Loss of speech100%Major organ failure requiring transplant100%Occupational infectious HIV or occupational infectious hepatitis B, C or D100%Stroke100%Sudden cardiac arrest 100%Coronary artery disease25%COVERED CANCER CONDITIONPERCENTAGE OF APPLICABLE COVERAGE AMOUNTInvasive cancer (including all breast cancer)100%Non-invasive cancer25%Skin cancer initial diagnosis ............................................................ $400 per lifetimeCritical illness and cancer benefitsSpecial needs daycareA hospital stay and treatment for corrective heart surgeryPhysical therapy to build muscle strengthFor illustrative purposes only.Preparing for a lifelong journeyRebecca 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 HELPEDThe lump-sum amount from the family coverage benefit helped pay for:

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ColonialLife.com6-20 | 387100-TX1. 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 aer the coverage eective 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 eective date.This information is not intended to be a complete description of the insurance coverage available. The insurance has exclusions and limitations which may aect 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.COVERED CONDITIONPERCENTAGE OF APPLICABLE COVERAGE AMOUNTCerebral palsy 100%Cle lip or palate 100%Cystic fibrosis 100%Down syndrome 100%Spina bifida 100%KEY BENEFITSAdditional covered conditions for dependent childrenSubsequent diagnosis of a dierent critical illnessIf you receive a benefit for a critical illness and are later diagnosed with a dierent critical illness, 100% of the coverage amount may be payable for that particular critical illness.Subsequent diagnosis of the same critical illness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.For more information, talk with your benefits counselor.Preparing for the unexpected is simpler than you think. With Colonial Life, youʼll have the support you need to face lifeʼs toughest challenges.  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

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Group Critical Illness InsuranceWellbeing Assistance BeneﬁtThe wellbeing assistance benefit can help reduce the risk of serious illness through early detection of disease or risk factors.Wellbeing assistance benefit ............................................................. $100.00Maximum 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 aer the waiting period. Blood test for triglycerides Bone marrow testing BRCA1 or BRCA2 testing (genetic test for breast cancer) Breast ultrasound CA 15-3 (blood test for ovarian cancer) CA 125 (blood test for breast cancer) Carotid Doppler CEA (blood test for colon cancer) Chest x-ray Colonoscopy Echocardiogram (ECHO) Electrocardiogram (EKG, ECG) Fasting blood glucose test Flexible sigmoidoscopy Hemoccult stool analysis Mammography Pap smear PSA (blood test for prostate cancer) Serum cholesterol test for HDL and LDL levels Serum protein electrophoresis (blood test for myeloma) Skin cancer biopsy Stress test on a bicycle or treadmill Thermography ThinPrep pap test Virtual colonoscopyFor more information, talk with your benefits counselor.ColonialLife.comGCI6000 – WELLBEING ASSISTANCE BENEFIT | 5-20 | 387307Underwritten 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.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 aect 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.

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Group Disability InsuranceGROUP DISABILITY BASEYou 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 aord 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.Aer calculating your monthly expenses, your benefits counselor can help you complete the benefits worksheet.ColonialLife.comMONTHLY EXPENSESRound to the nearest hundred.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 worksheetHow much coverage do I need?Monthly benefit amount for o-job accident and o-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 o-job amount.What is the benefit period?Benefit period: _______ monthsThe partial disability benefit period is three months.When may my total disability benefits start?Aer an accident: _______ days Aer a sickness: _______ days*Subject to income requirements

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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 aer the coverage eective 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 eective 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 suer 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.Product information and features Total disabilityTotally 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 disabilityIf you are able to return to work part-time aer 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 premiumWe will waive your premium payments aer 90 consecutive days of a covered disability.Geographical limitationsIf 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 ageCoverage is available from ages 17 to 74.PortabilityYou may be able to keep your coverage even if you change jobs.For more information, talk with your benefits counselor.10-17 | 101296-2Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2017 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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Term Life InsuranceHelp protect the people who depend on youIf something happened to you, the last thing your family should have to worry about is financial burdens. Funeral expenses, medical bills and taxes could be just the beginning. How would they cover ongoing living expenses, such as a mortgage, utilities and health care?Plan for the future with term life insurance from Colonial Life & Accident Insurance Company.The advantages of term life insurance  Level death benefit.  Lower cost option compared with cash value insurance.  Coverage for specified periods of time, which can be during high-need years.  Benefit for the beneficiary that is typically free from income tax.Benefits and features  Guaranteed premiums do not increase during the term.  Coverage is guaranteed renewable to age 95 as long as premiums are paid when due.  You can convert it to cash value insurance.  Portability allows you to take it with you if you change jobs or retire.  An accelerated death benefit is included.Your cost will vary based on the level of coverage you select. Talk with your Colonial Life benefits counselor for information about what level of coverage would work best for you.TERM LIFE 1000

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Benefits worksheetFor use with your Colonial Life benefits counselor£ YOU $ __________________ FACE AMOUNTSelect the term period£ 10-year term£ 20-year term£ 30-year term£ SPOUSE $ ______________ FACE AMOUNTSelect the term period£ 10-year term£ 20-year term£ 30-year termSelect any optional riders:£ Spouse term life rider $ _____________ face amount for ________-year term period£ Children’s term life rider $ _____________ face amount£ Waiver of premium benefit rider£ Accidental death benefit riderHOW MUCH COVERAGE DO YOU NEED?To learn more, talk with your Colonial Life benefits counselor.EXCLUSIONS AND LIMITATIONSIf the insured commits suicide within two years (one year in CO and ND) from the coverage eective date, whether he is sane or insane (not applicable in AZ), we will not pay the death benefit. We will terminate this policy and return the premiums paid, without interest. In MO, should death occur as a result of suicide, our company is responsible only for the return of premiums paid when application is made with intent to commit suicide.You will receive a policy summary or illustration (whichever is applicable to your state) when your policy is issued if this policy has exclusions, limitations or reductions of benefits. For costs and complete details, call or write your Colonial Life benefits counselor or the company. This brochure is applicable to policy forms TERM1000, R-TERM1000-ADB, R-TERM1000-CTR, R-TERM1000-STR, R-TERM1000-WAIVER (and applicable state variations, for example: TERM1000-TX, R-TERM1000-ADB-TX-1, R-TERM1000-CTR-TX, R-TERM1000-STR-TX and R-TERM1000-WAIVER-TX-1). See your Colonial Life benefits counselor for additional information specific for your state. This coverage contains limitations and exclusions that may aect benefits payable. Product may vary by state.Cash value policy conversionYou can convert your policy to a Colonial Life cash value life insurance policy any time through age 75 (unless you have used the accelerated death benefit or waiver of premium benefit rider) with no evidence of insurability. Premiums will be based on your age at the time you convert your policy.Accelerated death benefitIf you are diagnosed with a terminal illness, you can request up to 75% of the policy’s death benefit, not to exceed $150,000. We deduct a fee only if you use the benefit, and your death benefit will then be reduced by the amount you receive. In addition, there may be tax consequences for receiving the accelerated benefit; ask your tax advisor for advice. Please refer to your policy for details.Spouse coverage optionsTwo options are available for spouse coverage at an additional cost:1. Spouse term life policy: Oers guaranteed premiums and level death benefits equivalent to those available to you – whether or not you buy a policy for yourself.2. Spouse term life rider: Add a term rider for your spouse to your policy, up to a maximum death benefit of $50,000; 10-year and 20-year are available (20-year rider only available with a 20- or 30-year term policy).Dependent coverageYou may add a children’s term life rider to cover all of your eligible dependent children with up to $10,000 in coverage each for one premium. The children’s term life rider may be added to either the primary or spouse policy, not both.Waiver of premium benefit riderThis rider waives all premiums (for the policy and any riders) if you become totally and permanently disabled before the age of 65. To be considered permanent, your total disability must continue with no interruptions for at least six consecutive months. Premiums waived by this rider do not have to be repaid. This rider is available for the spouse policy as well, subject to home oice approval.Accidental death benefit riderThis rider provides an additional benefit to the beneficiary if the insured dies as a result of an accident before age 70. The benefit doubles if the injury resulting in death occurs while insured is a fare-paying passenger on a public conveyance, such as a commercial aircra or taxicab. An additional seatbelt benefit is also payable.©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. 4-16 | 64815-10ColonialLife.com

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Your cost will vary based on the level of coverage you select. Whole Life InsuranceYou can’t predict your family’s future, but you can be prepared for it.You like to think that you’ll be there for your family in the years to come. But if something happened to you, would your family have the income they need?It’s not easy to think about such serious circumstances, but it’s important to make sure your family is financially protected. You can gain peace of mind with whole life insurance from Colonial Life.Advantages of whole life insurance  Permanent coverage that stays the same throughout the life of the policy  Guaranteed level premiums that do not increase because of changes in health or age  Access to the policy’s cash value through a policy loan for emergencies  Benefit for the beneficiary that is typically tax-freeBenefits and features  Two plan options to choose what age your premium payments will end – Paid-Up at Age 70 or Paid-Up at Age 100  Stand-alone spouse policy available whether or not you buy a policy for yourself  Flexibility to keep the policy if you change jobs or retire  Built-in terminal illness accelerated death benefit that provides up to 75% of the policy’s death benefit (up to $150,000) if you’re diagnosed with a terminal illness  Immediate $3,000 claim payment that can help your designated beneficiary pay for funeral costs or other expenses  Pays cash surrender value at age 100 (when the policy endows)WHOLE LIFE (IWL5000)HealthAairs.org, End-Of-Life Medical Spending In Last Twelve Months Of Life Is Lower Than Previously Reported, July 2017.Talk with your benefits counselor for information about what level of coverage would work best for you.In the U.S., medical spending in the last 12 months of life is nearly $80,000 per person.$

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£ YOU $ ___________________ Select the option:£ Paid-Up at Age 70£ Paid-Up at Age 100£ SPOUSE $ _______________ Select the option:£ Paid-Up at Age 70£ Paid-Up at Age 100EXCLUSIONS AND LIMITATIONSIf the insured dies by suicide, whether sane or insane, within two years (one year in ND) from the coverage eective 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. Product may vary by state. For costs and complete details of the coverage, call or write your Colonial Life benefits counselor or the company.This brochure is applicable to policy forms ICC19-IWL5000-70/IWL5000-70, ICC19-IWL5000-100/IWL5000-100, ICC19-IWL5000J/IWL5000J and rider forms ICC19-R-IWL5000-STR/R-IWL5000-STR, ICC19-R-IWL5000-CTR/R-IWL5000-CTR, ICC19-R-IWL5000-WP/R-IWL5000-WP, ICC19-R-IWL5000-ACCD/R-IWL5000-ACCD, ICC19-R-IWL5000-CI/R-IWL5000-CI, ICC19-R-IWL5000-CC/R-IWL5000-CC, ICC19-R-IWL5000-GPO/R-IWL5000-GPO and applicable state variations.Additional coverage optionsSpouse term life riderCover your spouse up to a maximum death benefit of $50,000; 10-year and 20-year spouse term riders are available.Juvenile whole life policyYou can purchase a policy while children are young and premiums are low – whether or not you buy a policy on yourself. You may also increase the coverage when the child is 18, 21 and 24 without providing proof of good health. The plan is paid-up at age 70.Children’s term life riderYou may 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 riderThe 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 riderIf 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. 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 (bathing, continence, dressing, eating, toileting and transferring). Premiums are waived during the benefit period.Critical illness accelerated death benefit riderIf you suer a heart attack (myocardial infarction), stroke or end-stage renal (kidney) failure, a $5,000 benefit is payable. A subsequent diagnosis benefit is included.Guaranteed purchase option riderIf you are age 50 or younger when you purchase the policy, you can add the rider, which allows you to purchase additional whole life coverage – without having to answer health questions – at three dierent points in the future. You may purchase up to your initial face amount, not to exceed a total combined maximum of $100,000 for all options.Waiver of premium benefit riderPremiums 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. Once you are no longer disabled, premium payments will resume.Benefits worksheetFor use with your benefits counselorSelect any optional riders:£ Spouse term life rider $ _____________ face amount for ________-year term period£ Children’s term life rider $ _____________ face amount£ Accidental death benefit rider£ Chronic care accelerated death benefit rider£ Critical illness accelerated death benefit rider£ Guaranteed purchase option rider£ Waiver of premium benefit riderHOW MUCH COVERAGE DO YOU NEED?To learn more, talk with your benefits counselor.ColonialLife.com6-19 | 101935£ DEPENDENT STUDENT $____________£ Paid-Up at Age 70 £ Paid-Up at Age 100 1 Loan should be repaid to protect the policy’s value. 2 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.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.

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Getting startedThe easiest way to manage your business with us is through ColonialLife.com. To sign up for the website, click Register at the top right of the home page and follow the instructions. Consider your optionsAt Colonial Life, our goal is to give you an excellent customer experience that is simple, modern and personal. For your convenience, you can choose how you interact with us. For the quickest service, we recommend using our website, which lets you do the following:  Review, print or download a copy of your policy/certificate by clicking on the My Correspondence tab.  Update contact information or add family member profile information for use when filing online claims.  Access service forms to make changes to your policy, such as a beneficiary change.  Submit your claim using our eClaims system.  Check the status of your claim and view claims correspondence.  Access claim forms.Policyholder Service GuideeClaims are quick and easyWith the eClaims feature on ColonialLife.com, you can file most claims online by simply answering a few questions and uploading your supporting documentation. You’re able to spend less time on paperwork, and we’re able to process your claim faster.  From Colonial Life.com, file claims from any device. It’s fast, easy and available 24/7.  Select direct deposit to receive your benefit payment faster.  Easily submit additional documents.Paper claims  If you don’t want to file online, download the form you need by visiting the Claims Center page on ColonialLife.com and clicking on claim and service forms.  You may fax your claim to 1-800-880-9325.  Follow the instructions, tips and videos to complete and submit your claim.ColonialLife.comContact us Online ColonialLife.com Log in and click on Contact UsTelephone 1-800-325-4368Hearing-impaired customers 803-798-4040If you do not have a TDD, call Voiance Telephone Interpretation Services. 844-495-61058-17 | 43233-39Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2017 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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Deductions per year: 52Group Accident for TXApplicable to policy forms GACC1.0-P & GACC1.0-ClOn/Off-Job Accident Coverage, Health Screening Benefit ($100 Benefit)PreferredISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY17-99 $4.83 $7.81 $7.98 $10.95Group Medical Bridge (GMB7000) for TXCompositeApplicable to Policy Forms GMB7000–P & GMB7000-ClWellbeing Assistance: Standard - $100, Outpatient Surgical Procedure: Option 2 - ($750 / $1500 / $2500)HOSPITAL CONFINEMENT LEVEL ISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE PARENT FAMILY TWO PARENT FAMILYLevel 4: $200017-99 $8.96 $18.72 $12.33 $22.09HOSPITAL CONFINEMENT LEVEL ISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE PARENT FAMILY TWO PARENT FAMILYLevel 6: $300017-99 $13.00 $27.38 $17.84 $32.22Group Critical Illness (GCI6000) for TXApplicable to policy forms GCI6000-P, GCI6000-C,R-GCI6000-CB, R-GCI6000-BB, R-GCI6000-HB,R-GCI6000-INF, R-GCI6000-PDlPlan 2 - Critical Illness & Cancer, Wellbeing Assistance Benefit - $100 BenefitUni-Tobacco RatesISSUE AGE NAMED INSURED NAMED INSURED ANDSPOUSENAMED INSURED ANDDEPENDENT CHILD(REN)NAMED INSURED, SPOUSEAND DEPENDENT CHILD(REN)$10,000 17-24 $2.52 $3.82 $2.52 $3.8225-29 $2.96 $4.47 $2.96 $4.4730-34 $3.40 $5.14 $3.40 $5.1435-39 $4.41 $6.64 $4.41 $6.6440-44 $5.43 $8.16 $5.43 $8.1645-49 $7.05 $10.72 $7.05 $10.7250-54 $8.68 $13.26 $8.68 $13.2655-59 $10.95 $16.70 $10.95 $16.7060-64 $14.38 $21.91 $14.38 $21.9165-69 $17.29 $26.37 $17.29 $26.3770-74 $17.29 $26.37 $17.29 $26.37Grant Sheet Metal SB&K BenefitsPage 1 of 4Underwritten by Colonial Life & Accident Insurance CompanySee page 4 for Important Notice

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Group Critical Illness (GCI6000) for TXApplicable to policy forms GCI6000-P, GCI6000-C,R-GCI6000-CB, R-GCI6000-BB, R-GCI6000-HB,R-GCI6000-INF, R-GCI6000-PDlPlan 2 - Critical Illness & Cancer, Wellbeing Assistance Benefit - $100 BenefitUni-Tobacco RatesISSUE AGE NAMED INSURED NAMED INSURED ANDSPOUSENAMED INSURED ANDDEPENDENT CHILD(REN)NAMED INSURED, SPOUSEAND DEPENDENT CHILD(REN)$20,000 17-24 $3.51 $5.25 $3.51 $5.2525-29 $4.39 $6.54 $4.39 $6.5430-34 $5.27 $7.88 $5.27 $7.8835-39 $7.30 $10.88 $7.30 $10.8840-44 $9.33 $13.93 $9.33 $13.9345-49 $12.56 $19.05 $12.56 $19.0550-54 $15.84 $24.13 $15.84 $24.1355-59 $20.36 $31.01 $20.36 $31.0160-64 $27.24 $41.44 $27.24 $41.4465-69 $33.05 $50.34 $33.05 $50.3470-74 $33.05 $50.34 $33.05 $50.34$30,000 17-24 $4.51 $6.68 $4.51 $6.6825-29 $5.82 $8.62 $5.82 $8.6230-34 $7.14 $10.63 $7.14 $10.6335-39 $10.18 $15.13 $10.18 $15.1340-44 $13.23 $19.70 $13.23 $19.7045-49 $18.08 $27.38 $18.08 $27.3850-54 $22.99 $35.00 $22.99 $35.0055-59 $29.78 $45.31 $29.78 $45.3160-64 $40.09 $60.96 $40.09 $60.9665-69 $48.81 $74.32 $48.81 $74.3270-74 $48.81 $74.32 $48.81 $74.32Group Disability for TX AAA Risk ClassApplicable to policy forms GDIS-P & GDIS-ClOn/Off-Job Accident and Sickness3 Month Benefit PeriodELIMINATION PERIOD ISSUE AGE $1,500* $2,000* $2,500* $3,000* $3,500**monthly benefit amount0 days Accident/7 days Sickness 17-49 $9.93 $13.25 $16.56 $19.87 N/A50-64 $11.53 $15.37 $19.21 $23.05 N/A65-74 $14.33 $19.11 $23.88 $28.66 N/A7 days Accident/7 days Sickness 17-49 $9.45 $12.60 $15.75 $18.90 N/A50-64 $11.42 $15.23 $19.04 $22.85 N/A65-74 $13.53 $18.05 $22.56 $27.07 N/AGrant Sheet Metal SB&K Benefits(Continued...)Page 2 of 4Underwritten by Colonial Life & Accident Insurance CompanySee page 4 for Important Notice

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6 Month Benefit PeriodELIMINATION PERIOD ISSUE AGE $1,500* $2,000* $2,500* $3,000* $3,500**monthly benefit amount0 days Accident/7 days Sickness 17-49 $13.33 $17.77 $22.21 $26.65 N/A50-64 $16.62 $22.15 $27.69 $33.23 N/A65-74 $23.61 $31.48 $39.35 $47.22 N/A7 days Accident/7 days Sickness 17-49 $12.29 $16.38 $20.48 $24.58 N/A50-64 $16.27 $21.69 $27.12 $32.54 N/A65-74 $22.19 $29.58 $36.98 $44.38 N/ATerm Life (ITL5000) for TXApplicable to policy form ITL5000l10-Year Term Base PlanNon-Tobacco RatesISSUE AGE $10,000 $20,000 $50,00025 $1.53 $2.14 $2.3535 $1.74 $2.57 $2.5945 $2.11 $3.30 $4.2955 $3.73 $6.54 $8.3965 $8.04 $8.55 $20.0075 $21.09 $25.17 $61.55Tobacco RatesISSUE AGE $10,000 $20,000 $50,00025 $2.40 $3.87 $4.0935 $2.66 $4.39 $4.5545 $3.45 $5.99 $9.4455 $7.43 $13.94 $22.6365 $15.15 $17.47 $42.3075 $31.68 $37.51 $92.40Whole Life Plus (IWL5000) for TXApplicable to policy forms ICC19-IWL5000-70/IWL5000-70,ICC19-IWL5000-100/IWL5000-100,ICC19-IWL5000J/IWL5000J and rider formsICC19-R-IWL5000-STR/R-IWL5000-STR,ICC19-R-IWL5000-CTR/R-IWL5000-CTR,ICC19-R-IWL5000-WP/R-IWL5000-WP,ICC19-R-IWL5000-ACCD/R-IWL5000-ACCD,ICC19-R-IWL5000-CI/R-IWL5000-CI,ICC19-R-IWL5000-CC/R-IWL5000-CC,ICC19-R-IWL5000-GPO/R-IWL5000-GPOlAdult Base Plan Paid-Up at Age 100Non-Tobacco RatesISSUE AGE $10,000 $15,000 $20,000 $25,00025 $2.12 $3.18 $4.25 $5.3135 $2.89 $4.33 $5.78 $7.2245 $4.59 $6.88 $9.18 $11.4755 $7.49 $11.23 $14.98 $18.7265 $13.33 $19.99 $26.65 $33.32Grant Sheet Metal SB&K Benefits(Continued...)Page 3 of 4Underwritten by Colonial Life & Accident Insurance CompanySee page 4 for Important Notice

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Whole Life Plus (IWL5000) for TXApplicable to policy forms ICC19-IWL5000-70/IWL5000-70,ICC19-IWL5000-100/IWL5000-100,ICC19-IWL5000J/IWL5000J and rider formsICC19-R-IWL5000-STR/R-IWL5000-STR,ICC19-R-IWL5000-CTR/R-IWL5000-CTR,ICC19-R-IWL5000-WP/R-IWL5000-WP,ICC19-R-IWL5000-ACCD/R-IWL5000-ACCD,ICC19-R-IWL5000-CI/R-IWL5000-CI,ICC19-R-IWL5000-CC/R-IWL5000-CC,ICC19-R-IWL5000-GPO/R-IWL5000-GPOlAdult Base Plan Paid-Up at Age 100Tobacco RatesISSUE AGE $10,000 $15,000 $20,000 $25,00025 $3.71 $5.56 $7.41 $9.2735 $4.51 $6.77 $9.02 $11.2845 $6.72 $10.08 $13.43 $16.7955 $11.32 $16.98 $22.65 $28.3165 $19.36 $29.05 $38.73 $48.41Important NoticeInsurance coverage has exclusions and limitations that may affect benefits payable. For a complete description of benefits, limitations and exclusions, please refer to anoutline of coverage, sample policy/certificate, proposal description or see your Colonial Life benefits counselor. Coverage type, benefits and rates vary by state. Coverage maynot be available in all states. Rates provided are illustrative and your actual premium may be different depending on your particular situation and plan choices.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.© 2023 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.Houston Hamilton |Grant Sheet Metal SB&K Benefits(Continued...)Page 4 of 4Underwritten by Colonial Life & Accident Insurance CompanySee page 4 for Important Notice

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WHERE SHOULD I GO FOR CARE?The chart below is meant to be a general outline of your options of where to receive care, typicallyavailable services, and associated costs. Check with providers and your carrier’s website for details.Care Center Reason for Usage Type of Care Cost and TimeDoctor’s Office($)• Routine care• Your doctor knows your healthhistory• Your doctor can refer you tospecialists• Routine checkups• Immunizations• Preventive services• Management ofyour general health• Often requires acopayment and/orcoinsurance• Normally requires anappointment• Little wait time withscheduled appointmentVirtual Visit($)• You need help on the weekend,after-hours or while travelling• Your condition is not anemergency• Convenient 24/7 availability viaphone or web• Prescriptions can be sent toyour local pharmacy ifnecessary• Minor Illnesses• Minor Infections• Cold & flusymptoms• Bronchitis• Allergies• Mental Health• Office visit or other copaymay apply• No appointmentnecessary• Calls are usually returnedin 30 minutes or lessConvenience Care($$)• You can’t get to your doctor’soffice• Your condition is not anemergency• Convenient locations in malls orretail stores• Common infections(e.g. strep throat)• Minor skinconditions (e.g.poison ivy)• Flu shots• Pregnancy tests• Often requires acopayment and/orcoinsurance similar tooffice visit• Walk-in patients welcomewith no appointmentsnecessary• Wait times can varyUrgent Care($$)• You need care quickly• Your condition is not life-threatening• Sprains• Strains• Minor brokenbones (e.g. finger)• Minor infections• Minor burns• Often requires acopayment and/orcoinsurance usuallyhigher than an office visit• Walk-in patients welcome,but may have long waittimesEmergency Room($$$)• You need immediate treatmentof a very serious condition• Your situation is life-threateningDo not ignore an emergency. If asituation seems life-threatening,take action. Call 911 or your localemergency number right away.• Heavy bleeding• Large open wounds• Sudden change invision• Chest pain• Sudden weaknessor trouble walking• Major burns• Spinal injuries• Often requires a muchhigher copayment and/orcoinsurance than anoffice visit or urgent carevisit• Open 24/7, but waitingperiods may be longerbecause patients with life-threatening emergencieswill be treated first

Grant Sheet Metal Benefit Guide 2023-2024

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