Jay Industries : simplebooklet.com

This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 2 We know that your benefits are important to you and your family. Helping you understand the benefits offered by Taylor Jay Industries is important to us. That is why we have created this Benefit Guide. Included in this guide are summary of the benefits, cost information, and contact information for each provider. It is important to remember that only those benefit programs for which you are eligible and have enrolled in apply to you. We encourage you to review each section and to discuss your benefit options with your family members. Be sure to pay close attention to applicable co-payments and deductibles, along with networks and services that may be limited or not covered (exclusions). This guide is not a contract between you and Taylor Jay Industries. It is not intended to cover all provisions of all plans but rather is a quick reference to help answer most of your questions. Please see each Benefits Summary Plan Description for complete details. We hope this guide will give you a clear explanation of your benefits and help you be better prepared for the enrollment process. Enrollment ............................................................................................ Page 3 Dental .................................................................................................. Page 4 Vision ................................................................................................... Page 5 Basic Life .............................................................................................. Page 6 Voluntary Life ........................................................................................ Page 7 Short Term Disability ............................................................................. Page 9 Long Term Disability .............................................................................. Page 11 Accident ............................................................................................... Page 12 Critical Illness ....................................................................................... Page 13 Hospital Indemnity ................................................................................. Page 16 Voluntary Whole Life .............................................................................. Page 17 Contact Information ............................................................................... Page 23 TABLE OF CONTENTS WELCOME

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This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 3 HOW TO ENROLL Open Enrollment The first step is to review your current benefit elections. Verify your personal information and make any changes if necessary. Newly Eligible Make your benefit elections and complete the enrollment paperwork. Once you have made your elections, you will not be able to change them until the next open enrollment period unless you have a qualified change in status. WHEN TO ENROLL Open Enrollment The benefits you elect during open enrollment will be effective from July 1, 2022 through June 30,2023 Newly Eligible You become eligible for coverage on your date of hire Your current coverages will end if you no longer meet the eligibility requirements, your contributions are discontinued, or the group policy is terminated. Qualifying Events Employees are able to enroll or make changes to their benefits elections during the group’s annual open enrollment period. Once you elect an option you are bound to the decision for the entirety of the plan year unless you have a “qualifying event”. Employees have 30 days from the date of the qualifying event to add or change coverage. These may include, but are not limited to: • Changes in your employment status • Changes in your legal marital status • Change in number of dependents • Taking an unpaid leave of absence • Dependent satisfies or cease to satisfy eligibility requirement • Family Medical Leave Act (FMLA) leave • A COBRA qualifying event • Entitlement to Medicare or Medicaid • A change in the place of residence of the employee, resulting in the current carrier not being available ENROLLMENT

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This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 4 DENTAL BENEFITS Met Life Plan Features Dental PPO Plan IN NETWORK (PDP Plus) Annual Deductible Calendar Year (Individual / Family) $50 / $100 Preventive Care (Exams, Cleanings, X-rays, Fluoride under age 19, Sealants, Full Mouth X-rays) 100% Basic Procedures ( Maintainers, Fillings, Simple Extractions, Perio-dontal) 80% Major Procedures (Root Canal, Periodontal Surgery, Crowns, Dentures, Bridges, Repairs, Implant, Oral Surgery) 50% Calendar Year Maximum Benefit $1,000 EMPLOYEE COST PER PAYCHECK Employee $3.97 Employee + Spouse $7.95 Employee + Child(ren) $7.95 Employee + Family $11.52 Dependents are covered until age 26.

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This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 5 VISION BENEFITS Met Life / Plan Features Vision Plan IN NETWORK (Superior Vision) Vision Exam $10 Copay Lenses Single / Bifocal / Trifocal / Lenticular $25 Copay Materials $25 Copay Frames $150 Allowance ; then 20% discount Contact Lenses – Elective / Necessary $150 Allowance/ Covered in full after eyewear copay Contact Fitting & Evaluation Standard Fitting: $25 Copay Specialty Fitting: $50 allowance after $25 Copay Frequency (Months) Exam Every 12 Months Lenses Every 12 Months Frames Every 24 Months Contacts Every 12 Months Either glasses or contacts allowed per frequency OUT OF NETWORK Vision Exam $45 Allowance Lenses Single / Bifocal / Trifocal / Lenticular $30 / $50 / $65 / $100 Copay Frames $70 Allowance Contact Lenses – Elective / Necessary $105 Allowance / $210 Allowance EMPLOYEE COST PER PAYCHECK Employee $1.32 Employee + Spouse $2.64 Employee + Child(ren) $3.12 Employee + Family $4.78

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This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 6 GROUP TERM LIFE BENEFITS Met Life Plan Features Basic Life Insurance Employee Benefit Amount* $ — AD&D Benefit* $ — Spouse $3,000 Child $1,000 As an employee of Taylor Jay Industries Employee basic life insurance is provided to you at no cost. * Benefit amount is based on enrollment classification.

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This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 7 VOLUNTARY LIFE BENEFITS Met Life Plan Features Voluntary Life Insurance Employee Benefit Amount Employees can elect amounts in increments of $10,000. Minimum Benefit Amount $10,000 increments Maximum Benefit Amount Lesser of 5x annual earnings, or $500,000 Guaranteed Issue Amount $150,000 Spouse Benefit Amount Spouses can elect amounts in increments of $5,000. Minimum Benefit Amount $5,000 increments Maximum Benefit Amount Guaranteed Issue Amount $100,000 $50,000 Dependent Benefit Amount Flat amount: $1,000, $2,000, $4,000, $5,000, or $10,000 Maximum Benefit Amount Guaranteed Issue Amount $10,000 $10,000 Employee, Spouse, Dependent Accidental Death & Dismemberment AD&D Same coverage as elected for Voluntary Life above

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This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 8 VOLUNTARY LIFE RATES Employee & Spouse Weekly Premium Life & Accidental Death & Dismemberment Premium for sample benefit amounts • Employee must first elect coverage for spouse or dependent to elect coverage. • Employee and Spouse premiums are calculated separately based on employee’s age. • Refer to Program Specifications for your maximum benefit amounts AGE Weekly RATE Per $1000 $10,000 $20,000 $40,000 $50,000 $100,000 <30 $0.03 $0.29 $0.58 $1.15 $1.44 $2.88 30-34 $0.03 $0.34 $0.69 $1.38 $1.72 $3.44 35-39 $0.04 $0.38 $0.76 $1.51 $1.89 $3.78 40-44 $0.05 $0.50 $1.01 $2.01 $2.52 $5.03 45-49 $0.08 $0.76 $1.51 $3.03 $3.78 $7.57 50-54 $0.12 $1.19 $2.37 $4.74 $5.93 $11.86 55-59 $0.18 $1.77 $3.55 $7.10 $8.87 $17.75 60-64 $0.27 $2.73 $5.46 $10.93 $13.66 $27.32 65-69 $0.46 $4.60 $9.19 $18.39 $22.98 $45.97 70+ $0.85 $8.54 $17.08 $34.15 $42.69 $85.38 This is an estimate of premium cost. Actual deductions may vary slightly due to rounding and payroll frequency. Dependent Weekly Premium Premium covers all dependent children regardless of the number of children. Dependent Children Benefit $10,000 $5,000 $4,000 $2,000 $1,000 Weekly Child(ren) Rate $ 0.68 $ 0.34 $ 0.27 $ 0.14 $ 0.07

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This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 9 SHORT TERM DISABILITY Short term disability insurance provides you with short term income protection if you become disabled due to a covered injury, illness or pregnancy. Employee Benefit Amount 60% of Pre-Disability Earnings Maximum Benefit Amount $1,500 Elimination Period (Accident) 7 days Elimination Period (Sickness; includes pregnancy) 7 days Benefit Duration 26 weeks Voluntary Short-Term Disability Met Life / Plan Features

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This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 10 SHORT TERM DISABILITY Weekly Premiums for STD Weekly Benefit Employee’s Age <30 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65+ $100 $1.86 $1.86 $1.86 $1.86 $2.05 $2.52 $3.47 $4.05 $4.27 $150 $2.78 $2.78 $2.78 $2.78 $3.07 $3.79 $5.21 $6.08 $6.41 $200 $3.71 $3.71 $3.71 $3.71 $4.10 $5.05 $6.95 $8.11 $8.54 $250 $4.64 $4.64 $4.64 $4.64 $5.12 $6.31 $8.68 $10.14 $10.68 $300 $5.57 $5.57 $5.57 $5.57 $6.15 $7.57 $10.42 $12.16 $12.81 $350 $6.49 $6.49 $6.49 $6.49 $7.17 $8.84 $12.15 $14.19 $14.95 $400 $7.42 $7.42 $7.42 $7.42 $8.20 $10.10 $13.89 $16.22 $17.09 $450 $8.35 $8.35 $8.35 $8.35 $9.22 $11.36 $15.63 $18.24 $19.22 $500 $9.28 $9.28 $9.28 $9.28 $10.25 $12.62 $17.37 $20.27 $21.36 $550 $10.20 $10.20 $10.20 $10.20 $11.27 $13.89 $19.10 $22.30 $23.49 $600 $11.13 $11.13 $11.13 $11.13 $12.30 $15.15 $20.84 $24.33 $25.63 $650 $12.06 $12.06 $12.06 $12.06 $13.32 $16.41 $22.58 $26.35 $27.76 $700 $12.99 $12.99 $12.99 $12.99 $14.34 $17.67 $24.31 $28.38 $29.90 $750 $13.92 $13.92 $13.92 $13.92 $15.37 $18.93 $26.05 $30.41 $32.04 $800 $14.84 $14.84 $14.84 $14.84 $16.39 $20.20 $27.78 $32.44 $34.17 $850 $15.77 $15.77 $15.77 $15.77 $17.42 $21.46 $29.52 $34.46 $36.31 $900 $16.70 $16.70 $16.70 $16.70 $18.44 $22.72 $31.26 $36.49 $38.44 $950 $17.63 $17.63 $17.63 $17.63 $19.47 $23.98 $32.99 $38.52 $40.58 $1,000 $18.55 $18.55 $18.55 $18.55 $20.49 $25.25 $34.73 $40.55 $42.72 $1,050 $19.48 $19.48 $19.48 $19.48 $21.52 $26.51 $36.47 $42.57 $44.85 $1,100 $20.41 $20.41 $20.41 $20.41 $22.54 $27.77 $38.20 $44.60 $46.99 $1,150 $21.34 $21.34 $21.34 $21.34 $23.57 $29.03 $39.94 $46.63 $49.12 $1,200 $22.26 $22.26 $22.26 $22.26 $24.59 $30.30 $41.68 $48.66 $51.26 $1,250 $23.19 $23.19 $23.19 $23.19 $25.62 $31.56 $43.41 $50.68 $53.40 $1,300 $24.12 $24.12 $24.12 $24.12 $26.64 $32.82 $45.15 $52.71 $55.53 $1,350 $25.05 $25.05 $25.05 $25.05 $27.66 $34.08 $46.89 $54.74 $57.66 $1,400 $25.98 $25.98 $25.98 $25.98 $28.69 $35.34 $48.62 $56.76 $59.80 $1,450 $26.90 $26.90 $26.90 $26.90 $29.71 $36.61 $50.36 $58.79 $61.94 $1,500 $27.83 $27.83 $27.83 $27.83 $30.74 $37.87 $52.10 $60.82 $64.07

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This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 11 LONG TERM DISABILITY Long term disability insurance provides you with long term income protection if you become disabled due to a covered injury, illness for an extended period. All Active Full Time Employees working at least 30 hours per week Employee Benefit Amount 60% of Pre-Disability Earnings Maximum Benefit Amount $8,000 Elimination Period 180 Days Benefit Period Social Security Normal Retirement Age Voluntary Long-Term Disability Met Life / Plan Features Age Premium Factor Under 30 0.031385 30-39 0.092308 40-44 0.127846 45-49 0.173077 50-54 0.231923 55-59 0.267231 60-64 0.199615 65+ 0.070615 Cost per Paycheck Formula $ X = $ Your Monthly Salary Premium Factor Your Cost Per Paycheck

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This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 12 ACCIDENT INSURANCE VOLUNTARY ACCIDENT INSURANCE BENEFITS ARE PROVIDED BY Met Life Accident insurance coverage provides full-time employees with a lump sum benefit based on covered injuries you sustain off the job and the treatment you need. Met Life Benefit Type Insurance Pays You INJURIES Fractures $75-$6,000 (depending on bone) Dislocations $75-$6,000 (depending on location) or 25% for partial dislocation Second – and Third-Degree Burns $75-$7,500 (depending on severity) Concussions $250 per calendar year Cuts/Lacerations $35-$300 Eye Injuries $250 MEDICAL SERVICES & TREATMENT Ambulance Ground: $300 Air: $1,000 Emergency Room $50-$100 Non-Emergency Care $50 Physical Follow-Up $50 Therapy Services (including Physical Therapy) $25 Medical Testing Benefit $125 Medical Appliances $50-$500 (depending on appliance) Inpatient Surgery $125-$1,250 HOSPITAL COVERAGE Admission $750 Confinement $150 per day Inpatient Rehab (paid per accident) $100 per day HEALTH SCREENING BENEFIT Health Screening $100 per calendar year EMPLOYEE COST PER Week Employee $1.06 Employee + Spouse $2.09 Employee + Child(ren) $2.49 Employee + Family $2.95 Your insurance company already paid the doctor… this money is paid directly to you.

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This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 13 CRITICAL ILLNESS INSURANCE VOLUNTARY CRITICAL INSURANCE BENEFITS ARE PROVIDED BY Met Life Critical illness insurance coverage provides full-time employees with a lump sum benefit based upon the diagnosis of a covered illness. Met Life Benefit Type Insurance Pays You COVERAGE FOR AMOUNT Employee $10,000 / $20,000/ $30,000 Spouse & Child(ren) 50% of the Employee’s Initial Benefit Covered Conditions Initial Benefit Recurrence Benefit COVERAGE FOR AMOUNT AMOUNT Benign Brain Tumor 100% 100% Invasive Cancer 100% 100% Non-Invasive Cancer 25% 100% Skin Cancer 5% not less than $250 none Heart Attack 100% 100% Stroke 100% 100% Coronary Artery Bypass Graft 50% 100% Kidney Failure 100% none Coma 100% 100% Major Organ Transplant Benefit 100% none Infectious Disease with Hospitalization (COVID-19, Tetanus, etc) 25% none Progressive Disease (Alzheimer's, Multiple Sclerosis, Lupus, etc) 100% none Childhood Diseas (Cerebral Palsy, Cystic Fibrosis, Down Syn-drome, etc) 100% none Severe Burn 100% 100% Your insurance company already paid the doctor… this money is paid directly to you.

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This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 14 CRITICAL ILLNESS INSURANCE Age Employee Only Employee + Spouse Employee + Children Employee + Spouse + Children <25 $1.08 $1.89 $1.73 $2.34 25–29 $1.20 $2.05 $1.85 $2.51 30–34 $1.38 $2.33 $2.01 $2.76 35–39 $1.66 $2.79 $2.31 $3.17 40–44 $2.15 $3.51 $2.79 $3.86 45–49 $2.86 $4.57 $3.51 $4.84 50–54 $3.78 $5.86 $4.43 $6.04 55–59 $5.28 $7.92 $5.93 $7.95 60–64 $7.02 $10.32 $7.66 $10.18 65–69 $9.74 $14.10 $10.38 $13.67 70–74 $12.72 $18.37 $13.34 $17.66 75+ $17.22 $25.22 $17.86 $24.02 Age Employee Only Employee + Spouse Employee + Children Employee + Spouse + Children <25 $2.17 $3.78 $3.46 $5.03 25–29 $2.40 $4.11 $3.69 $5.40 30–34 $2.77 $4.66 $4.02 $5.95 35–39 $3.32 $5.58 $4.62 $6.83 40–44 $4.29 $7.02 $5.58 $8.31 45–49 $5.72 $9.14 $7.02 $10.43 50–54 $7.57 $11.72 $8.86 $13.02 55–59 $10.57 $15.83 $11.86 $17.12 60–64 $14.03 $20.63 $15.32 $21.92 65–69 $19.48 $28.20 $20.77 $29.45 70–74 $25.43 $36.74 $26.68 $38.03 75+ $34.43 $50.45 $35.72 $51.74

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This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 15 CRITICAL ILLNESS INSURANCE Age Employee Only Employee + Spouse Employee + Children Employee + Spouse + Children <25 $3.25 $5.68 $5.19 $7.55 25–29 $3.60 $6.16 $5.54 $8.10 30–34 $4.15 $6.99 $6.02 $8.93 35–39 $4.98 $8.38 $6.92 $10.25 40–44 $6.44 $10.52 $8.38 $12.46 45–49 $8.58 $13.71 $10.52 $15.65 50–54 $11.35 $17.58 $13.29 $19.52 55–59 $15.85 $23.75 $17.79 $25.68 60–64 $21.05 $30.95 $22.98 $32.88 65–69 $29.22 $42.30 $31.15 $44.17 70–74 $38.15 $55.11 $40.02 $57.05 75+ $51.65 $75.67 $53.58 $77.61

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This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 16 HOSPITAL INDEMNITY VOLUNTARY HOSPITAL INDEMNITY INSURANCE BENEFITS ARE PROVIDED BY Met Life Hospital indemnity insurance coverage provides full-time employees with a lump sum benefit based upon the hospitalization and associated treatment. Met Life / Hospital Indemnity Plan Benefit Limits Benefit Amounts Hospital Admission 1x per calendar year Admission $500 Hospital Confinement 30 days per calendar year Confinement $100 Hospital Confinement for Childbirth 2 days per rou-tine delivery 4 days per ceasarean delivery Ancillary Confine-ment Benefit for Childbirth $100 Emergency Care 2 days per routine delivery 4 days per ceasarean delivery Confinement Benefit for Newborn Nursery Care $100 Health Screening Benefit Per covered person per calendar year Health Screening $100 EMPLOYEE COST PER PAYCHECK Employee $2.08 Employee + Spouse $4.67 Employee + Child(ren) $3.40 Employee + Family $5.98

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This benefit guide only provides a summary of your group’s benefits. All lines of coverage described are subject to the definitions, limitations and exclusions set in each insurance carrier or providers contract. Page l 23 The information in this Enrollment Guide is presented for illustrative purposes and is based on information provided by the employer. The text contained in this Guide was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, dis-crepancies or errors are always possible. In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about your Guide, contact Human Resources. Met Life Customer Service 800-638-5433 www.metlife.com Network: PDP Plus CONTACT INFORMATION Title Name Email Phone Number Director of Sales Joe Turi Jturi@keystoneinsgrp.com 216-217-4185 Senior Account Manager Mickie Range mrange@keystoneinsgrp.com 330-316-6704 Account Coordinator Rodney Pritchard rpritchard@keystoneinsgrp.com 574-406-6919 Benefits Coordinator Zach Chupp zchupp@keystoneinsgrp.com 574-231-6526 Serviceteam@keystoneinsgrp.com 574-231-6500 877-691-5424 Service Team General Agent Kelly Smith ksmith@rfmeins.com Copyright © Keystone Benefits - all rights reserved Mass Mutual Customer Service 800-272-2216 www.massmutual.com

Jay Industries

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