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Benefit Booklet 2024

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

Accident Insurance Accidents happen in places where you and your family spend the most time at work in the home and on the playground and they re unexpected How you care for them shouldn t be In your lifetime which of these accidental injuries have happened to you or someone you know l Sports related accidental injury l Broken bone l Burn l Concussion l Laceration l Back or knee injuries l Car accidents l Falls spills l Dislocation l Accidental injuries that send you to the Emergency Room Urgent Care or doctor s office Colonial Life s Accident Insurance is designed to help you fill some of the gaps caused by increasing deductibles co payments and out of pocket costs related to an accidental injury The benefit to you is that you may not need to use your savings or secure a loan to pay expenses Plus you ll feel better knowing you can have greater financial security What additional features are included l Worldwide coverage l Portable l Compliant with Healthcare Spending Account HSA guidelines Will my accident claim payment be reduced if I have other insurance You re paid regardless of any other insurance you may have with other insurance companies and the benefits are paid directly to you unless you specify otherwise What if I change employers If you change jobs or leave your employer you can take your coverage with you at no additional cost Your coverage is guaranteed renewable as long as you pay your premiums when they are due or within the grace period Can my premium change Colonial Life can change your premium only if we change it on all policies of this kind in the state where your policy was issued How do I file a claim Visit coloniallife com or call our Customer Service Department at 1 800 325 4368 for additional information Accident 1 0 Premier with Health Screening Benefit

Transportation Lodging Assistance If injured covered person must travel more than 50 miles from residence to receive special treatment and confinement in a hospital l Transportation 600 per round trip up to 3 round trips l Lodging family member or companion 150 per night up to 30 days for a hotel motel lodging costs Accident Hospital Care l Hospital Admission 2 000 per accident l Hospital ICU Admission 4 000 per accident We will pay either the Hospital Admission or Hospital Intensive Care Unit ICU Admission but not both l Hospital Confinement 300 per day up to 365 days per accident l Hospital ICU Confinement 600 per day up to 15 days per accident Accident Follow Up Care l Accident Follow Up Doctor Visit 50 up to 4 visits per accident l Medical Imaging Study 300 per accident limit 1 per covered accident and 1 per calendar year l Occupational or Physical Therapy 35 per treatment up to 10 days l Appliances 125 such as wheelchair crutches l Prosthetic Devices Artificial Limb 750 one 1 500 more than 1 l Rehabilitation Unit 150 per day up to 15 days per covered accident and 30 days per calendar year Maximum of 30 days per calendar year Accidental Dismemberment l Loss of Finger Toe 1 250 one 2 400 two or more l Loss or Loss of Use of Hand Foot Sight of Eye 12 000 one 24 000 two or more Catastrophic Accident For severe injuries that result in the total and irrecoverable l Loss of one hand and one foot l Loss of both hands or both feet l Loss or loss of use of one arm and one leg or l Loss or loss of use of both arms or both legs l Loss of the sight of both eyes l Loss of the hearing of both ears l Loss of the ability to speak Named Insured 25 000 Spouse 25 000 Child ren 12 500 365 day elimination period Amounts reduced for covered persons age 65 and over Payable once per lifetime for each covered person Accidental Death l Named Insured l Spouse l Child ren Accidental Death 50 000 50 000 10 000 Common Carrier 200 000 200 000 40 000

Benefits listed are for each covered person per covered accident unless otherwise specified Initial Care l Accident Emergency Treatment 200 l X ray Benefit 60 l Ambulance 600 l Air Ambulance 2 000 Common Accidental Injuries Dislocations Separated Joint Hip Knee except patella Ankle Bone or Bones of the Foot other than Toes Collarbone Sternoclavicular Lower Jaw Shoulder Elbow Wrist Bone or Bones of the Hand Collarbone Acromioclavicular and Separation One Toe or Finger Non Surgical 9 600 4 800 3 840 2 400 1 440 1 440 480 480 Surgical 19 200 9 600 7 680 4 800 2 880 2 880 960 960 Fractures Depressed Skull Non Depressed Skull Hip Thigh Body of Vertebrae Pelvis Leg Bones of Face or Nose except mandible or maxilla Upper Jaw Maxilla Upper Arm between Elbow and Shoulder Lower Jaw Mandible Kneecap Ankle Foot Shoulder Blade Collarbone Vertebral Process Forearm Wrist Hand Rib Coccyx Finger Toe Non Surgical 9 000 3 600 5 400 2 700 1 260 1 260 1 260 1 080 1 080 1 080 900 720 360 Surgical 18 000 7 200 10 800 5 400 2 520 2 520 2 520 2 160 2 160 2 160 1 800 1 440 720 Your Colonial Life policy also provides benefits for the following injuries received as a result of a covered accident l Burn based on size and degree 1 000 to 12 000 l Coma 12 500 l Concussion 150 l Emergency Dental Work 100 Extraction 400 Crown Implant or Denture l Lacerations based on size 50 to 800 Requires Surgery l Eye Injury 300 l Tendon Ligament Rotator Cuff 750 one 1 500 two or more l Ruptured Disc 750 l Torn Knee Cartilage 750 Surgical Care l Surgery cranial open abdominal or thoracic 1 500 l Surgery hernia 150 l Surgery arthroscopic or exploratory 300 l Blood Plasma Platelets 300

Health Screening Benefit l 50 per covered person per calendar year Provides a benefit if the covered person has one of the health screening tests performed This benefit is payable once per calendar year per person and is subject to a 30 day waiting period Tests include l Blood test for triglycerides l Bone marrow testing l Breast ultrasound l CA 15 3 blood test for breast cancer l CA125 blood test for ovarian cancer l Carotid doppler l CEA blood test for colon cancer l Chest x ray l Colonoscopy l Echocardiogram ECHO l Electrocardiogram EKG ECG l Fasting blood glucose test l Flexible sigmoidoscopy l Hemoccult stool analysis l Mammography l Pap smear l PSA blood test for prostate cancer l Serum cholesterol test to determine level of HDL and LDL l Serum protein electrophoresis blood test for myeloma l Stress test on a bicycle or treadmill l Skin cancer biopsy l Thermography l ThinPrep pap test l Virtual colonoscopy My Coverage Worksheet For use with your Colonial Life benefits counselor Who will be covered check one Employee Only Spouse Only One Child Only Employee Spouse One Parent Family with Employee One Parent Family with Spouse Two Parent Family When are covered accident benefits available check one On and Off Job Benefits Off Job Only Benefits EXCLUSIONS We will not pay benefits for losses that are caused by or are the result of hazardous avocations felonies or illegal occupations racing semi professional or professional sports sickness suicide or self inflicted injuries war or armed conflict in addition to the exclusions listed above we also will not pay the Catastrophic Accident benefit for injuries that are caused by or are the result of birth intoxication For cost and complete details see your Colonial Life benefits counselor Applicable to policy form Accident 1 0 HS NC This is not an insurance contract and only the actual policy provisions will control Accident 1 0 Premier with Health Screening Benefit Colonial Life 1200 Colonial Life Boulevard Columbia South Carolina 29210 coloniallife com 2014 Colonial Life Accident Insurance Company Colonial Life insurance products are underwritten by Colonial Life Accident Insurance Company for which Colonial Life is the marketing brand 6 14 71741 NC

For more information talk with your benefits counselor Hospital Confinement Indemnity Insurance Plan 2 Our Individual Medical Bridge 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 __2_0__0_0_________ Maximum of one benefit per covered person per calendar year Observation room 100 per visit Maximum of two visits per covered person per calendar year Rehabilitation unit confinement 100 per day Maximum of 15 days per confinement with a 30 day maximum per covered person per calendar year Waiver of premium Available a er 30 continuous days of a covered hospital confinement of the named insured Outpatient surgical procedure Tier 1 _5__0_0___________ Tier 2 _7__5_0___________ Maximum of _1__5_0_0___________ per covered person per calendar year for all covered outpatient surgical procedures combined The 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 policy Tier 1 outpatient surgical procedures Breast Axillary node dissection Breast capsulotomy Lumpectomy Cardiac Pacemaker insertion Digestive Colonoscopy Fistulotomy Hemorrhoidectomy Lysis of adhesions Ear nose throat mouth Adenoidectomy Removal of oral lesions Myringotomy Tonsillectomy Tracheostomy Tympanotomy Gynecological Dilation and curettage D C Endometrial ablation Lysis of adhesions Liver Paracentesis Musculoskeletal system Carpal cubital repair or release Foot surgery bunionectomy exostectomy arthroplasty hammertoe repair Removal of orthopedic hardware Removal of tendon lesion Skin Laparoscopic hernia repair Skin gra ing IMB7000 PLAN 2

Tier 2 outpatient surgical procedures Breast Breast reconstruction Breast reduction Cardiac Angioplasty Cardiac catheterization Digestive Exploratory laparoscopy Laparoscopic appendectomy Laparoscopic cholecystectomy Ear nose throat mouth Ethmoidectomy Mastoidectomy Septoplasty Stapedectomy Tympanoplasty Eye Cataract surgery Corneal surgery penetrating keratoplasty Glaucoma surgery trabeculectomy Vitrectomy Gynecological Hysterectomy 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 mass Urologic Lithotripsy ColonialLife com THIS POLICY PROVIDES LIMITED BENEFITS This coverage is a supplement to health insurance It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law Insureds in some states must be covered by comprehensive health insurance before applying for this coverage EXCLUSIONS We will not pay benefits for injuries received in accidents or for sicknesses which are caused by a alcoholism or drug addiction b dental procedures c elective procedures and cosmetic surgery d felonies or illegal occupations e pregnancy of a dependent child f psychiatric or psychological conditions g suicide or injuries which any covered person intentionally does to himself or herself or h war We will not pay benefits for hospital confinement i due to giving birth within the first nine months a er the e ective date of the policy or j for a newborn who is neither injured nor sick k The policy may have additional exclusions and limitations which may a ect any benefits payable PRE EXISTING CONDITION LIMITATION l We will not pay benefits for loss during the first 12 months a er the e ective date due to a pre existing condition m A preexisting condition is a sickness or physical condition for which a covered person was treated had medical testing received medical advice or had taken medication within the 12 months before the e ective date of the policy n This limitation applies to the following benefits if applicable Hospital Confinement Daily Hospital Confinement Enhanced Intensive Care Unit Confinement and Rehabilitation Unit Confinement 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 a ect any benefits payable Applicable to policy form IMB7000 including state abbreviations where used for example IMB7000 TX For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company This form is not complete without form 562973 Underwritten by Colonial Life Accident Insurance Company Columbia SC 2023 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company 8 23 562911 1

Hospital Confinement Indemnity Insurance Exclusions and Limitations STATE SPECIFIC DISCLOSURES KY Premium will vary based on the coverage selected and the age of the named insured Eligibility for Benefits The provisions of this policy insure a covered person against losses due to injuries received in a covered accident or losses due to a covered sickness Covered Accident means an unintended or unforeseen bodily injury sustained by a covered person wholly independent of disease bodily infirmity illness infection or any other abnormal physical condition and which occurs on or a er the Coverage E ective Date occurs while policy is in force and is not excluded by name or specific description in this policy Covered Sickness means an illness infection disease or any other abnormal physical condition not caused by an accident which occurs on or a er the policy coverage e ective date occurs while this policy is in force and is not excluded by name or specific description in this policy End of Coverage for the Named Insured This policy is guaranteed renewable for life as long as you pay the premiums when they are due or within the grace period STATE SPECIFIC EXCLUSIONS AK a Replaced by intoxicants and narcotics CA a Replaced by intoxicants or controlled substances c Replaced by cosmetic surgery CT a Replaced by intoxication or drug addiction d Replaced by felonies e Exclusion does not apply DE a Exclusion does not apply IL a Replaced by alcoholism intoxication or drug addiction e Exclusion does not apply g Exclusion does not apply KS a Replaced by intoxicants and narcotics f Exclusion does not apply h Replaced by war or armed conflict i Exclusion does not apply j or requires necessary care and treatment of medically diagnosed congenital defects birth abnormalities or routine and necessary immunizations KY a Replaced by intoxicants narcotics and hallucinogenics LA a Replaced by intoxicants and narcotics MI g Exclusion does not apply MN a Replaced by narcotic addiction e Exclusion does not apply g Exclusion does not apply MO a Replaced by drug addiction NC i Exclusion does not apply OR a Exclusion does not apply d Replaced by felony i Replace nine months with six months SC f Replaced by mental or emotional disorders SD a Exclusion does not apply TN a Replaced by intoxicants and narcotics e Exclusion does not apply TX a Replaced by intoxicants and narcotics STATE SPECIFIC PRE EXISTING CONDITION LIMITATIONS NV WY m applies within the six months before the policy e ective date CT m Pre existing Condition means having a sickness or physical condition for which any covered person was treated received medical advice or had taken medication within 12 months before the e ective date of this policy FL m Pre existing Condition means any covered person having a sickness or physical condition that during the 12 months immediately preceding the e ective date of this policy had manifested itself in such a manner as would cause an ordinarily prudent person to seek medical advice diagnosis care or treatment or for which medical advice diagnosis care or treatment was recommended or received Routine follow up care during the 12 months immediately preceding the e ective date of this policy to determine whether a breast cancer has recurred in a covered person who has been previously determined to be free of breast cancer does not constitute medical advice diagnosis care or treatment for purposes of determining pre existing conditions unless evidence of breast cancer is found during or as a result of the follow up care GA m Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing received medical advice or had taken prescription medication within 12 months before the e ective date of this policy IL m Pre existing Condition means having a sickness or physical condition for which any covered person was diagnosed treated had medical testing by a legally qualified physician or received medical advice or had taken medication within 12 months prior to the e ective date of this policy ME m Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing or received medical advice within 12 months before the e ective date of this policy NC m Pre existing Condition means having those conditions whether diagnosed or not for which any covered person received medical advice diagnosis care or treatment was received or recommended within one year period immediately preceding the e ective date of this policy If you are 65 or older when this policy is issued pre existing conditions will include only conditions specifically eliminated by rider OR Pre existing Condition means having a sickness or physical condition for which any covered person was diagnosed received treatment care or medical advice within the 6 month period immediately preceding the e ective date of this policy THIS POLICY PROVIDES LIMITED BENEFITS This coverage is a supplement to health insurance It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law Insureds in some states must be covered by comprehensive health insurance before applying for this insurance 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 a ect any benefits payable Applicable to policy form IMB7000 including state abbreviations where used for example IMB7000 TX For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company This form is not complete without base form 562880 562911 or 562942 Underwritten by Colonial Life Accident Insurance Company Columbia SC 2023 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company IMB7000 EXCLUSIONS AND LIMITATIONS 8 23 562973 2

Cancer InsuranceLevel 4 benetsCancer insurance helps provide nancial protection through a variety of benets. These benets are not only for you but also for your covered family members.BENEFIT DESCRIPTION BENEFIT AMOUNTAir ambulance ............................. $2,000 per tripTransportation to or from a hospital or medical facility [max. of two trips per connement]Ambulance ..................................$250 per tripTransportation to or from a hospital or medical facility [max. of two trips per connement]AnesthesiaAdministered during a surgical procedure for cancer treatment • General anesthesia .... 25% of surgical procedures benet• Local anesthesia ..................... $50 per procedureAnti-nausea medication ...........$60 per day administered or per prescription lledDoctor-prescribed medication for radiation or chemotherapy [$240 monthly max.]Blood/plasma/platelets/immunoglobulins ...... $250 per dayA transfusion required during cancer treatment [$10,000 calendar year max.]Bone marrow donor screening ..........................$50Testing in connection with being a potential donor [once per lifetime]Bone marrow or peripheral stem cell donation ........$1,000Receiving another person’s bone marrow or stem cells for a transplant [once per lifetime]Bone marrow or peripheral stem cell transplant ...................... $10,000 per transplantTransplant you receive in connection with cancer treatment [max. of two bone marrow transplant benets per lifetime]Cancer vaccine .......................................$50An FDA-approved vaccine for the prevention of cancer [once per lifetime]BENEFIT DESCRIPTION BENEFIT AMOUNTCompanion transportation ...................$0.50 per mileCompanion travels by plane, train or bus to accompany a covered cancer patient more than 50 miles one way for treatment [up to $1,500 per round trip]Egg(s) extraction or harvesting/sperm collection and storageExtracted/harvested or collected before chemotherapy or radiation [once per lifetime]• Egg(s) extraction or harvesting/sperm collection .... $1,500• Egg(s) or sperm storage (cryopreservation) ...........$500Experimental treatment ......................$300 per dayHospital, medical or surgical care for cancer [$15,000 lifetime max.]Family care ................................... $60 per dayInpatient or outpatient treatment for a covered dependent child [$3,000 calendar year max.]Hair/external breast/ voice box prosthesis ................$500 per calendar yearProsthesis needed as a direct result of cancerHome health care services1 .....................$150 per dayExamples include physical therapy, occupational therapy, speech therapy and audiology; prosthesis and orthopedic appliances; rental or purchase of durable medical equipment [up to 30 days per calendar year or twice the number of days hospital conned, whichever is greater]Hospice (initial or daily care)2 An initial, one-time benet and a daily benet for treatment [$15,000 lifetime max. for both]• Initial hospice care [once per lifetime] ............. $1,000• Daily hospice care ...........................$50 per dayCANCER ASSIST - LEVEL 4

BENEFIT DESCRIPTION BENEFIT AMOUNTHospital connementHospital stay (including intensive care) required for cancer treatment• 30 days or less .............................$350 per day• 31 days or more .............................$700 per dayLodging ...................................... $80 per dayHotel/motel expenses when being treated for cancer more than 50 miles from home [70-day calendar year max.]Medical imaging studies .................... $225 per studySpecic studies for cancer treatment [$450 calendar year max.]Outpatient surgical center ....................$400 per daySurgery at an outpatient center for cancer treatment [$1,200 calendar year max.]Private full-time nursing services ...............$150 per dayServices while hospital conned other than those regularly furnished by the hospitalProsthetic device/articial limb ....$3,000 per device or limbA surgical implant needed because of cancer surgery [payable one per site, $6,000 lifetime max.]Radiation/chemotherapyWeekly benet [max. once per week]• Injected chemotherapy by medical personnel ....... $1,000• Radiation delivered by medical personnel .......... $1,000Monthly chemotherapy benet [max. once per month]• Self-injected ......................................$400• Pump ............................................$400• Topical ...........................................$400• Oral hormonal [1–24 months] ........................$400• Oral hormonal [25+ months] ........................$200• Oral non-hormonal .................................$400BENEFIT DESCRIPTION BENEFIT AMOUNTReconstructive surgery3 ............... $60 per surgical unitA surgery to reconstruct anatomic defects that result from cancer treatment [up to $3,000 per procedure, including 25% for general anesthesia]Second medical opinion4 ............................. $300A second physician’s opinion on cancer surgery or treatment [once per lifetime]Skilled nursing care facility. . . . . . . . . . . . . . . . . . . . .$150 per dayConnement to a covered facility after hospital release [up to the number of days paid for hospital connement]Skin cancer initial diagnosis .......................... $600A skin cancer diagnosis while the policy is in force [once per lifetime]Supportive or protective care drugs and colony stimulating factors ................$200 per dayDoctor-prescribed drugs to enhance or modify radiation/chemotherapy treatments [$1,600 calendar year max.] Surgical procedures ................... $70 per surgical unitInpatient or outpatient surgery for cancer treatment [$6,000 max. per procedure]Transportation ..............................$0.50 per mileTravel expenses when being treated for cancer more than 50 miles from home [up to $1,000 per round trip]Waiver of premium .............................Is availableNo premiums due if the named insured is disabled longer than 90 consecutive daysFor more information, talk with your Colonial Life benets counselor.In MD, Tobacco cessation benet available. $20 per prescription lled, maximum of two 90-day prescriptions per covered person.In MT, Mammography benet available. $70 for one baseline mammogram for ages 35-39; one mammogram every two years for ages 40-49; one mammogram each year for ages 50+.1. In CO, Home health care services maximum is up to 60 days per calendar year or twice the number of days hospital conned, whichever is greater. In WI, Home health care services maximum is up to 40 days per calendar year or twice the number of days hospital conned, whichever is greater.2. In CO, no hospice benet available.3. In OK, Reconstructive surgery is $30 per surgical unit.4. In MD, Second medical opinion is $100 maximum of one per covered person per hospital connement. THIS POLICY PROVIDES LIMITED BENEFITS.This coverage is a supplement to health insurance. It is not a substitute for essential health benets or minimum essential coverage as dened in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for cancer 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 benets payable. Applicable to policy form CanAssist (including state abbreviations where used, for example: CanAssist-TX). This chart is not complete without form number 1170702 (Exclusions & Limitations) in states CO, ID, MD, MN, MO, NC, OK, SC, SD, VT and WA. For cost and complete details of coverage, call or write your Colonial Life benets counselor or the company.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC© 2022 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. FOR EMPLOYEES 9-22 | 101485-6ColonialLife.com

Cancer Insurance* Exclusions and limitationsWaiting periodAll benets and riders are subject to a 30-day waiting period. Waiting period means the rst 30 days following the policy’s coverage effective date during which no benets are payable. See the following list for state-specic variations. ID, MD, MN, MO, OK, SD, VA and WA  No waiting periodEligibility for cancer benets We will pay benets for the treatment of cancer including skin cancer where applicable if:• the date of diagnosis is after the waiting period;• the date of diagnosis is while this policy is in force;• a covered person receives treatment for cancer or skin cancer while this policy is in force; and • the cancer or treatment is not excluded by name or specic description in this policy. If your cancer has a date of diagnosis before the end of the waiting period, coverage for that cancer will apply only to losses commencing after this policy has been in force for two years, unless it is excluded by name or specic descriptions in this policy. If cancer is not pathologically or clinically diagnosed until after you die, we will only pay benets for cancer treatment performed during the 45-day period before your death. See the following list for state-specic variations.CO — If your cancer has a date of diagnosis before the end of the waiting period, coverage for that cancer will apply only to losses commencing after this policy has been in force for one year, unless it is excluded by name or specic description in this policy.NC — If your cancer has a date of diagnosis before the end of the waiting period, coverage for that cancer will apply only to losses commencing after the policy has been in force for 12 months, unless it is excluded by name or specic description in the policy.What is not covered by this policyWe will not pay benets for cancer or skin cancer:• if the diagnosis or treatment of cancer is received outside of the territorial limits of the United States and its possessions; or • for other conditions or diseases, except losses due directly from cancer. See the following list for state-specic variations for cancer coverage.ID — Pre-existing condition limitation. We will not pay benets if the diagnosis or treatment of cancer is a pre-existing condition, unless the covered person has satised the six-month pre-existing condition limitation period shown on the Policy Schedule on the date the covered person is initially diagnosed as having cancer or skin cancer. Pre-existing condition means having a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within six months before the policy coverage effective date of this policy.MD — Pre-existing condition limitation. We will not pay benets if the diagnosis or treatment of cancer is a pre-existing condition, unless the covered person has satised the six-month pre-existing condition limitation period under your policy on the date the covered person is diagnosed as having cancer or skin cancer. Pre-existing condition means having a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice, or had taken medication within six months before your policy effective date.We will not pay benets for cancer or skin cancer:• Unless the diagnosis and treatment is conrmed and received within the territorial limits of the United States and its possession; or • For any other conditions or diseases, unless the losses due are directly from cancer.MN — Pre-existing condition limitation. We will not pay benets if the diagnosis or treatment of cancer is a pre-existing condition, unless the covered person has satised the six-month pre-existing condition limitation period shown on the Policy Schedule on the date the covered person is initially diagnosed as having cancer or skin cancer. Pre-existing condition means having a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within six months before the policy coverage effective date of this policy.MO — Pre-existing condition limitation. We will not pay benets if the diagnosis or treatment of cancer is a pre-existing condition, unless the covered person has satised the six-month pre-existing condition limitation period shown on the Policy Schedule on the date the covered person is initially diagnosed as having cancer or skin cancer. Pre-existing condition means having a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within six months before the policy coverage effective date of this policy.OK — Pre-existing condition limitation. We will not pay benets if the diagnosis or treatment for cancer, skin cancer or a specied disease is a pre-existing condition, unless the covered person has satised the six-month pre-existing condition limitation period under the policy on the date the covered person is initially diagnosed as having cancer, skin cancer or a specied disease. Pre-existing condition means a condition for which the covered person received medical advice, was given treatment, or treatment was recommended by or received from a doctor within six months immediately preceding the effective date of the policy, and which is not excluded by name or specic description in this policy.SC — We will not pay benets for cancer or skin cancer:• If the diagnosis or treatment of cancer is received outside of the territorial limits of the United States and its possessions; or• For other conditions or diseases, except losses due directly from cancer, aggravated by cancer or resulting from cancer or treatment of cancer.CANCER ASSIST – EXCLUSIONS AND LIMITATIONS

SD — Pre-existing condition limitation. We will not pay benets if the diagnosis or treatment for cancer, skin cancer or a specied disease is a pre-existing condition, unless the covered person has satised the six-month pre-existing condition limitation period under your policy on the date the covered person is diagnosed as having cancer, skin cancer or a specied disease. Pre-existing condition means having a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice, or had taken medication within six months before your policy effective date.VA — Pre-existing condition limitation. We will not pay benets for the diagnosis of internal cancer or skin cancer that is a pre-existing condition, nor will we pay benets for the treatment of internal cancer or skin cancer that is a pre-existing condition unless the covered person has satised the six-month pre-existing condition limitation period on the policy. Pre-existing condition means a condition for which a covered person was diagnosed prior to the effective date of the policy, and for which medical advice or treatment was recommended by or received from a doctor within six months immediately preceding the effective date of the policy.VT — We will not pay benets for cancer or skin cancer:• If the diagnosis or treatment of cancer is received outside of the territorial limits of the United States and its possessions; unless the diagnosis is conrmed within the territorial limits of the United States or its possessions by a licensed physician; or• For other conditions or diseases, except losses due directly from cancer.WA — Pre-existing condition limitation. We will not pay benets if the diagnosis or treatment for cancer, skin cancer or a specied disease is a pre-existing condition, unless the covered person has satised the six-month pre-existing condition limitation period under the policy on the date the covered person is initially diagnosed as having cancer, skin cancer or a specied disease. Pre-existing condition means having a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within six months before the policy effective date.Eligibility for specied disease hospital connement riderWe will pay this benet each day a covered person incurs a charge and is conned to a hospital for treatment of a specied disease if:• the date of diagnosis of the specied disease is after the waiting period;• the date of diagnosis of the specied disease is while the rider is in force;• a covered person is conned to a hospital for treatment of a specied disease while this rider is in force; and• the specied disease is not excluded by name or specic description in this rider.If your specied disease has a date of diagnosis before the end of the waiting period, coverage for that specied disease will apply only to hospital connements commencing after this rider has been in force for two years, unless the specied disease is excluded by name or specic description in this rider.See the following list for state-specic variations for this rider.MA — If your specied disease has a date of diagnosis during the waiting period, coverage for that specied disease will apply only to hospital connements commencing after this rider has been in force for six months, unless the specied disease is excluded by name or specic description in this rider. If your specied disease has a date of diagnosis during the waiting period, you may choose to cancel your policy and receive a refund of all premiums paid or select a six-month delay in the payment of benets for the specied disease which was diagnosed during the waiting period.CO — If your specied disease has a date of diagnosis before the end of the waiting period, coverage for that specied disease will apply only to hospital connements commencing after this rider has been in force for one year, unless the specied disease is excluded by name or specic description in this rider.NC — If your specied disease has a date of diagnosis before the end of the waiting period, coverage for that specied disease will apply only to hospital connements commencing after this rider has been in force for 12 months, unless the specied disease is excluded by name or specic description in this rider.NH — If your specied disease has a date of diagnosis before the end of the waiting period, coverage for that specied disease will apply only to hospital connements commencing after this rider has been in force for six months, unless the specied disease is excluded by name or specic description in this rider.ID, MD, MN, MO, OK, SD, and VA — Pre-existing condition limitation. If a covered person’s specied disease is a pre-existing condition, coverage for that specied disease will only apply to hospital connements commencing after this rider has been in force for six months unless the specied disease is excluded by name or specic description in this rider.Guaranteed renewableThe policy is guaranteed renewable as long as you pay the premiums when they are due or within the grace period. Your premium can be changed only if we change it on all policies of this kind in force in the state where the policy was issued.* The led product name in most states is Specied Disease Insurance. In FL and VT, the led product name is Limited Benet Insurance.THIS POLICY PROVIDES LIMITED BENEFITS.This coverage is a supplement to health insurance. It is not a substitute for essential health benets or minimum essential coverage as dened in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for this 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 benets payable. Applicable to policy form CanAssist and rider forms R-CanAssistIndx, R-CanAssistProg and R-CanAssistSpDis (including state abbreviations where applicable, for example: CanAssist-TX). For cost and complete details of coverage, call or write your Colonial Life benets counselor or the company. This form is not complete without base form 101478, 101481, 101482, 101483, 101484, 101485, 101486 or 101547.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.© 2023 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. FOR EMPLOYEES 1-23 | 1170702-1ColonialLife.com

Cancer InsuranceWellness Benets1Part one: Cancer wellness/health screeningProvided when one of the tests listed below is performed after the waiting period and while the policy is in force. Payable once per calendar year, per covered person.CANCER WELLNESS TESTS2• Bone marrow testing• Breast ultrasound• CA 15-3 (blood test for breast cancer)• CA 125 (blood test for ovarian cancer)• CEA (blood test for colon cancer)• Chest X-ray• Colonoscopy• Flexible sigmoidoscopy• Hemoccult stool analysis• Mammography3• Pap smear• PSA (blood test for prostate cancer)• Serum protein electrophoresis (blood test for myeloma)• Skin biopsy• Thermography• ThinPrep® Pap test4• Virtual colonoscopyHEALTH SCREENING TESTS• Blood test for triglycerides• Carotid Doppler• Echocardiogram (ECHO)• Electrocardiogram (EKG, ECG)• Fasting blood glucose test• Serum cholesterol test for HDL and LDL levels• Stress test on a bicycle or treadmillPart two: Cancer wellness — additional invasive diagnostic test or surgical procedureProvided when a doctor performs a diagnostic test or surgical procedure after the waiting period as the result of an abnormal result from one of the covered cancer wellness tests in part one. We will pay the benet regardless of the test results. Payable once per calendar year, per covered person.To encourage early detection, our cancer insurance offers benets for wellness and health screening tests.For more information, talk with your Colonial Life benets counselor. CANCER ASSIST WELLNESS

Specified Critical Illness Insurance If you re diagnosed with a covered critical illness or cancer specified critical illness insurance from Colonial Life can help with your expenses so you can concentrate on what s most important your treatment care and recovery Face amount ___1_0_k_ _2_0_k_ _3_0_k__ Critical illness benefit FOR THE DIAGNOSIS OF THIS COVERED CRITICAL ILLNESS CONDITION THIS PERCENTAGE OF THE FACE AMOUNT IS PAYABLE Cancer 100 Heart attack myocardial infarction 100 Stroke2 100 End stage renal kidney failure 100 Major organ failure 100 Permanent paralysis due to a covered accident 100 Coma 100 Blindness 100 Occupational infectious HIV or occupational infectious hepatitis B C or D 100 Coronary artery bypass graft surgery disease3 25 Carcinoma in situ 25 The maximum benefit amount for this policy is 3x the face amount for the named insured for all covered persons combined The policy will terminate when the maximum benefit amount for specified critical illness has been paid CRITICAL ILLNESS 1 0 WITH CANCER AND SUBSEQUENT DIAGNOSIS

Specified Critical Illness Insurance Exclusions limitations and additional disclosures State specific variations on exclusions AK Alcoholism or Drug Addiction Exclusion does not apply CT Alcoholism or Drug Addiction Exclusion replaced with Intoxication or Drug Addiction Felonies or Illegal Occupations replaced with Felonies DE Alcoholism or Drug Addiction Exclusion does not apply FL Alcoholism or Drug Addiction Exclusion does not apply Psychiatric or Psychological Condition Exclusion does not apply ID Alcoholism or Drug Addiction Exclusion does not apply Psychiatric or Psychological Condition Exclusion replaced with Mental or Emotional Disorders IN Accidents or Sicknesses Occurring While the Policy is not In Force Exclusion added KY Alcoholism or Drug Addiction Exclusion does not apply Hallucinogenics added to Intoxicants and Narcotics Exclusion MD Alcoholism or Drug Addiction Exclusion does not apply Felonies or Illegal Occupations Exclusion does not apply Intoxicants and Narcotics Exclusion does not apply Suicide or Self Inflicted Injuries Exclusion replaced with Self Destruction or Self Inflicted Injuries MO Alcoholism or Drug Addiction Exclusion replaced with Drug Addiction Felonies or Illegal Occupations Exclusion replaced with Illegal Activities NH Intoxicants and Narcotics exclusion does not apply NJ Alcoholism or Drug Addiction replaced with Drug Addiction Felonies or Illegal Occupations Exclusion replaced with Felonies or Illegal Jobs Psychiatric or Psychological Condition Exclusion replaced with Mental or Emotional Disease or Disorder OR Alcoholism or Drug Addiction Exclusion does not apply Intoxicants and Narcotics Exclusion does not apply Suicide or Self Inflicted Injuries Exclusion does not apply Felonies or Illegal Occupations Exclusion replaced with Felonies SC Alcoholism or Drug Addiction Exclusion does not apply Psychiatric or Psychological Condition Exclusion replaced with Mental or Emotional Disorders SD Alcoholism or Drug Addiction Exclusion does not apply Intoxicants and Narcotics Exclusion does not apply TX Alcoholism or Drug Addiction Exclusion does not apply UT Alcoholism or Drug Addiction Exclusion replaced with Alcoholism VT Alcoholism or Drug Addiction Exclusion does not apply Intoxicants and Narcotics Exclusion does not apply Psychiatric or Psychological Condition Exclusion does not apply War or Armed Conflict Exclusion replaced with War State specific pre existing condition limitations FL 12 12 Pre existing Condition means having a sickness or physical condition that during the 12 months immediately preceding the Policy Coverage Effective Date of this policy had manifested itself in such a manner as would cause an ordinarily prudent person to seek medical advice diagnosis care or treatment or for which medical advice diagnosis care or treatment was recommended or received IA 12 12 Pre existing Condition means having a condition for which medical advice or treatment or medication was recommended by a physician or received from a physician within 12 months preceding the Policy Coverage Effective Date of the covered person s policy MD 12 12 Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing received medical advice or had taken medication within 12 months before the Policy Coverage Effective Date of this policy A condition admitted or disclosed on the application will be covered unless the disease or condition is excluded by name or specific description effective on the date of loss NC 12 12 Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing received medical advice or had taken medication within 12 months before the Policy Coverage Effective Date of this policy If a covered person is 65 or older when this policy is issued pre existing conditions for that covered person will include only conditions specifically eliminated by rider NH 6 6 Pre existing condition means having a sickness or physical condition for which any covered person was diagnosed treated had medical testing or received medical advice within 6 months before the Policy Coverage Effective Date of this policy NJ 6 6 Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing received medical advice or had taken medication within six months before the Policy Coverage Effective Date of this policy NV 6 12 Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing received medical advice or had taken medication within six months before the Policy Coverage Effective Date of this policy

Critical Illness Insurance Health Screening Benefit The optional health screening benefit can help you reduce the risk of serious illness through early detection Health screening benefit __50 00_____________ Maximum of one screening test per covered person per calendar year Blood test for triglycerides Pap smear Bone marrow testing PSA blood test for prostate cancer Breast ultrasound Serum cholesterol test for HDL and LDL levels 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 For more information talk with your benefits counselor Fasting blood glucose test Serum protein electrophoresis blood test for myeloma Skin cancer biopsy Stress test on a bicycle or treadmill Thermography ThinPrep pap test Virtual colonoscopy Flexible sigmoidoscopy Hemoccult stool analysis Mammography ColonialLife com THIS POLICY INSURANCE PROVIDES LIMITED BENEFITS Insureds in GA MA MN and VT must be covered by comprehensive health insurance before applying for critical illness or cancer insurance This information is not intended to be a complete description of the insurance coverage available The policy insurance or its provisions may vary or be unavailable in some states The policy insurance has exclusions and limitations which may affect any benefits payable Applicable to policy form CI 1 0 P and GCC1 0 P and certificate form GCC1 0 C including state abbreviations where used for example CI 1 0 P TX GCC1 0 P TX and GCC1 0 C TX For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company Underwritten by Colonial Life Accident Insurance Company Columbia SC 2021 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company GROUP CRITICAL CARE CRITICAL ILLNESS 1 0 HEALTH SCREENING BENEFIT 5 21 100355 4

Dental PPO InsurancePlan 5 – $1,500 | 100% | 80% | 50%Life is full of unexpected smiles, and good oral health helps maintain them. Colonial Life dental insurance helps you pay for routine and costly dental care for you and your family, so you can focus on what’s important. Policy detailsThe policy year maximum benet for this policy is $1,500 per person. Class A, B and C services apply toward the maximum.This policy has a deductible of $50 per person, per policy year for class B and C services. Each covered family member pays a deductible up to a maximum of three members each policy year.The coinsurance for this policy is:CLASS TYPE OF SERVICE INSURANCE PAYSClass A Preventive services 100% Class B Basic services 80%Class C Major services 50%Large national network• Save more with 120,000+ unique providers¹• Claims led for members by providers• Easy provider search on ColonialLifeDental.com• In-house recruiting team dedicated to expanding the networkHow does this policy pay benets for network and out-of-network care?Network benetsNetwork providers have agreed to charge discounted rates for covered services. You receive the benet of discounted services, and pay only your coinsurance portion and any applicable deductible. Plus, network providers will le your claim for you, so you don’t have to deal with the paperwork. Out-of-network benetsOut-of-network providers haven’t agreed to discounted rates, and their fees may vary signicantly. Your policy’s coinsurance is applied to the lesser of the provider’s charge or a percentage of the customary charge in your area (90th percentile), and may not cover the total costs of dental care. You are responsible for your coinsurance portion, deductible and any remaining balance. IDN8000 — Plan 5

Covered procedures and waiting periodsPreventive services (Class A): no waiting period• Routine exams and cleanings (twice every 12 months) ‐ One additional cleaning per 12 months if member is in second or third trimester of pregnancy2• X-rays ‐ Bitewing X-rays (up to four lms, once every 12 months)• Children’s services (up to age 14) ‐ Fluoride treatment (once every 12 months) ‐ Sealants (once every 36 months) ‐ Space maintainers (up to age 14, once every 24 months)• Oral cancer screening (for age 40+, once every 12 months)• Virtual dental visits through TeleDentistry.com3Basic services (Class B): no waiting period• Full mouth/panoramic X-rays (once every ve years)• Fillings• Simple extractions• Emergency treatmentMajor services (Class C): 12-month waiting period4,5• Oral surgery (extractions and impacted teeth)• Anesthesia (covered with complex oral surgery)• Repair of crowns, dentures or bridges• Periodontics (gum treatments)• Endodontics (root canals)• Inlays and onlays• Crowns• Bridges• Dentures• Endosteal implants (in place of a three-unit bridge)Missing Tooth Exclusion: No benets will be paid for replacement of teeth missing prior to the effective date of coverage.Virtual Dental Visits through TeleDentistry.com24/7 dental care for dental emergencies when an in-person visit is not an option.A virtual dental visit can:• Evaluate the patient’s symptoms (jaw pain, chipped or broken tooth, sensitivity)• Identify needs and determine if emergency treatment is required• Write prescriptions for antibiotics or pain relief if appropriate6Visit ColonialLifeDental.com and click Virtual Dental Visits or call (866) 256-2261 to get started.For more information about this dental policy, talk with your benets counselor.1. Network360, December 2021.2. Member may have one additional periodontal maintenance in place of an additional cleaning.3. Terms and availability of service from TeleDentistry.com are subject to change. Services are not valid after policy terminates.4. Waiting periods may be waived if takeover applies. 5. No waiting period in Maine. Six-month waiting period in Vermont.6. TeleDentistry.com dentists do not prescribe controlled substances or prescribe outside of the United States.THIS POLICY PROVIDES LIMITED BENEFITS. A NETWORK ACCESS PLAN IS AVAILABLE.This policy is not available in ZIP codes beginning with 025. For California: Summary of Dental Benets and Coverage Disclosure (SDBC) is available at www.ColonialLifeDental.com.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 benets payable. Applicable to policy form IDN8000 (including state abbreviations where used, for example: IDN8000-TX). For cost and complete details of coverage, call or write your Colonial Life benets counselor or the company.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.© 2022 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. FOR EMPLOYEES 10-22 | 101840-6ColonialLifeDental.com

For more information, talk with your benefits counselor.Individual Dental PPO InsuranceVision RiderIDN8000 – VISION RIDERDental insurance oers an optional vision rider to help pay for eye exams and materials, such as glasses and contact lenses. This coverage can help you maintain healthy vision and overall wellness, as well as provide valuable financial protection for you, your spouse and dependent children.Vision benefitsIN-NETWORKOUT-OF-NETWORKALLOWANCECO-PAYSExam (once per 12 months) $10 $35Materials $25 See belowSTANDARD PLASTIC LENSES (once per 12 months)Single vision Covered by co-pay $25Bifocal Covered by co-pay $40Trifocal Covered by co-pay $50Lenticular $80 allowance $50Progressive $70 allowance $40Polycarbonate lenses (for children to age 19) Covered by co-pay N/AFRAMES1 (once per 12 months)Choose any frame available at provider locations $120 allowance $50CONTACT LENSES2 (once per 12 months) (Includes fit, follow-up and materials) In lieu of eyeglass lenses and frames Elective Up to $120 allowance $100 allowanceMedically necessary Up to $210 allowance $210 allowanceFreedom of choiceYou’ll have access to a national vision network that includes independent optometrists, ophthalmologists and retail stores, including Walmart, Sam’s Club Optical, Costco,3 Pearle Vision and Target. You can search for providers at ColonialLifeVision.com. Additional vision benefit advantages  Eye exams and materials (frames, lenses) can be purchased from dierent locations and providers. For example, you could have an eye exam with your favorite eye care professional and order contacts online.  Check the network for Value Added and Service Plus providers. They can provide special discounts for extra purchases of lenses and coatings, frames, contact lenses and other products.ColonialLife.com

ColonialLife.com4-19 | 101851-AK-NC1 Eyeglass lenses and frames are paid in lieu of the contact lenses benefit.2 The contact lenses benefit is paid in lieu of eyeglass lenses and frames. Contact lenses consist of three components: materials, exams and fittings. Coverage is for materials and the exam, up to the contact lenses allowance. Fittings may be covered but only up to the amount of any unused contact lenses allowance – aer materials.3 Optometrists at Costco Optical outlets are independent of Costco and may not be in network. To verify that your vision exam will be fully covered aer co-pay, confirm that your doctor is an in-network provider. Special payment and reimbursement terms apply for material purchases at Costco. Additional discounts are not applicable.4 Not a covered benefit. These schedules are subject to change without notice. Added value discounts may not be available in all geographical areas and vary by network. Many providers are not able to oer discounts on “Prestige” frames. Special lens packages that combine numerous lens enhancements at value price points are not covered by these added value programs. Cannot be combined with any other promotions or discounts.5 Some retail chains sell sunglasses in departments outside of their optical shops where discounts do not apply.The policy or its provisions may vary or be unavailable in some states. The policy had exclusions and limitations, which may aect any benefits payable. See the actual policy or your Colonial Life benefits counselor for specific provisions and details of availability.Special discounts on material purchases4Providers identified as Value Added or Service Plus in our online provider directory oer the following additional values for our members on vision material purchases. We encourage you to contact your selected provider prior to visiting their location to confirm their continued participation. Not all providers, such as Walmart, Sam’s Club and Costco Optical,³ choose to participate in these special discounts.Value Added providersDISCOUNTS FOR FIRST PAIR OF GLASSESLens options (add-ons for insured purchases):PURCHASE A SECOND PAIR OF GLASSES AND RECEIVE PREFERRED PRICINGLenses:DISCOUNTS ON FRAMES, CONTACT LENSES AND OTHER PRODUCTSService Plus providersRECEIVE UP TO A 20% DISCOUNT FOR THE FOLLOWING ADD-ONS TO INSURED PURCHASES:  UV coating  Solid tinting/gradient tinting  Standard scratch resistance coating  UV coating…$15  Solid tinting/gradient tinting…$15  Standard scratch resistance coating…$15  Standard anti-reflective coating…$45  Premium anti-reflective coating…$70  Ultra anti-reflective coating…20% discount  Polarized…$75  Transition…$75  Progressive lenses: – Standard…$110 – Premium…$170 – Ultra…member receives a 20% discount  Standard polycarbonate …$40  High index (single vision) – 1.56-1.60…$60 – 1.66+…20% discount  High index (multi-focal) – 1.56-1.60…$75 – 1.66+…20% discount  Single vision plastic lenses…$40  Bifocal plastic lenses…$60  Trifocal lenses…$70  Progressive lenses (standard)…$110  Progressive lenses (premium and ultra)…20% discount  Frames – Up to 35% discount  Contact Lenses – 5-15% discount, depending on type  Other products – 20% discount on non-prescription sunglasses and other ancillary products/solutions  Standard anti-reflective coating  Premium anti-reflective coating  Transition  Standard polycarbonateDental plans are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC, and administered by Starmount Life Insurance Company.©2019 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

In the U S medical spending in the last 12 months of life is nearly 80 000 per person HealthAffairs org End Of Life Medical Spending In Last Twelve Months Of Life Is Lower Than Previously Reported July 2017 Your cost will vary based on the level of coverage you select Talk with your benefits counselor for information about what level of coverage would work best for you Whole Life Insurance You can t predict your family s future but you can be prepared for it You like to think that you ll be there for your family in the years to come But if something happened to you would your family have the income they need It s not easy to think about such serious circumstances but it s important to make sure your family is financially protected You can gain peace of mind with whole life insurance from Colonial Life Advantages of whole life insurance Permanent coverage that stays the same throughout the life of the policy Guaranteed level premiums that do not increase because of changes in health or age Access to the policy s cash value through a policy loan for emergencies1 Benefit for the beneficiary that is typically tax free Benefits and features Two plan options to choose what age your premium payments will end Paid Up at Age 70 or Paid Up at Age 100 Stand alone spouse policy available whether or not you buy a policy for yourself Flexibility to keep the policy if you change jobs or retire Built in terminal illness accelerated death benefit that provides up to 75 of the policy s death benefit up to 150 000 if you re diagnosed with a terminal illness2 Immediate 3 000 claim payment that can help your designated beneficiary pay for funeral costs or other expenses Pays cash surrender value at age 100 when the policy endows WHOLE LIFE IWL5000

Term Life Insurance Peace of mind for you and your loved ones You want what s best for your family and that includes making sure they re prepared for the future With term life insurance from Colonial Life Accident Insurance Company you can provide financial security to help them cover their ongoing living expenses Advantages of term life insurance Lower cost when compared to cash value life insurance Same benefit payout throughout the duration of the policy Several term period options for flexibility during high need years 44 of Americans say their household would face financial hardship within six months should a wage earner die unexpectedly LIMRA 2022 Life Insurance Barometer Study Benefit for the beneficiary that is typically tax free Benefits and features Stand alone spouse policy available whether or not you buy a policy for yourself GA P Guaranteed premiums that do not increase during the selected term Ability to convert all or a portion of the benefit amount into cash value life insurance Flexibility to keep the policy if you change jobs or retire Built in terminal illness accelerated death benefit that provides up to 75 of the policy s death benefit up to 150 000 if you re diagnosed with a terminal illness1 Premium savings for face amounts over 250 000 based on your health 54 of Americans have life insurance coverage with an average coverage gap of 200 000 LIMRA 2021 Industry Associations Unite to Help Address the Life Insurance Coverage Gap in the United States TERM LIFE ITL5000

How to File a Claim for Colonial Life Benefits FOR FASTEST RESULTS FILE ONLINE 1 Go to ColonialLife com access to login or register 2 Fill out the required information and click Submit 3 Enjoy streamlined claims management and faster service online DIGITALLY FILE ALL TYPES OF CLAIMS Disability Insurance Accident Hospital Insurance Life Insurance Critical Illness Cancer Insurance Wellness benefits for screening tests Not sure which type of claim to file No problem Just answer a few questions on the portal and we ll help you figure everything out BEFORE YOU FILE Review the appropriate claims checklist at ColonialLife com and have this information handy to make the process go smoothly Proper documentation must be submitted when filing your claim AFTER YOU FILE Check your claim status and manage your claim by logging into your account at ColonialLife com access Live chat is also available 9 a m 5 p m EST OTHER WAYS TO FILE A CLAIM Fax 1 800 880 9325 Mail P O Box 100195 Columbia SC 29202 Colonial Life is committed to providing you our valued customer a market leading claims experience We look forward to serving you on ColonialLife com On the policyholder portal you can View benefit details Here you ll find a copy of your policy to see what s covered and benefit amounts Track your claim Log in anytime to view status or opt in to receive status alerts by email or text so you know instantly if we require additional information Sign up for direct deposit to get approved payments up to a week faster than paper check Colonial Life insurance products are underwritten by Colonial Life Accident Insurance Company Columbia SC 2022 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company ADR 1312251

Thank you Colonial Life Voluntary Benefits Please contact Shelley Hartsell Benefits Specialist 704 883 4838 Shelley Hartsell ColonialLifeSales com