Riverway Title - Benefits Guide : simplebooklet.com

Employee Benefits GuideFebruary 2024–April 30 20251EligibilityAll full-time employees working at least 30 hours per week are eligible to enroll in the employee benefits outlined in this guide. If you are a newly hired employee, you become eligible for benefits on the first of the month following 30 days after your date of hire. Employees may also enroll their spouse and any dependent children up to theage of 26 in the benefits they elect. If a dependent child turns 26 during the plan year, he or she will automatically be removed from the benefits at the end of their birth month as they are no longer eligible. For questions on dependent children eligibility, please visit https://www.healthcare.gov/young-adults/children-under-26/.Open EnrollmentOpen Enrollment will be done through the use of Benefit Counselors. On Wednesday, January 17th, Benefit Counselors will be at Riverway Title Offices to meet with each employee one on one. Elections to your plan will not be done via paper or website, rather, your elections will be made through the Benefit Counselors after having a 1 on 1 meeting. If you are unable to meet face to face, you will be able to schedule a call with a Benefit Counselor.All employee MUST meet with or speak with a Benefit Counselor this year as we are moving to new coverage and offering new products.Open Enrollment is from January 17th– January 22nd and will be done though Benefit Counselors.Qualifying Life EventIf you have a qualifying life event during the plan year, you have 30 days from the date of the event to notify your Human Resources Department of any changes that need to be made to your benefit coverages. Examples of a qualifying life event include marriage, divorce, birth or adoption of a child, change in child’s dependent status, or death.BenefitsPage 2 – Medical (Aetna)Page 3 – Dental / Vision / Basic Life / STD (Principal)

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Network NameCalendar Year Deductible IndividualFamilyCoInsurance Carrier/MemberOut of Pocket Maximum Individual(CoIns + Ded) FamilyOffice Visit PCPSpecialtyRestrictionsCopaysRX TiersDeductiblePreventive Care PrimarySpecialistLab/X-Ray Testing Facility Doctor OfficeFreestandingHospitalSurgery & Hospital In-PatientOut-PatientEmergency RoomUrgent Care FacilityLifetime MaximumEmployee OnlyEmployee/SpouseEmployee/ChildrenEmployee/Family*** This spreadsheet is meant for comparison purposes only. Please see Carrier Plan Summary for complete benefit details.Employee cost per pay check (24)$5.78$251.78$153.29$463.48Employee cost per month$11.56$503.55$306.58$926.96Employee cost per pay check (24)$14.34$388.33$293.31$667.94Employee cost per month$28.67$776.66$586.62$1,335.88Employee cost per pay check (24)$34.57$433.16$334.89$734.13Employee cost per month$69.13$866.32$669.78$1,468.26Ded then 100%Ded then 50 / 50$75Ded then 50 / 50$75$500 Copay + Ded then 100%$300 Copay + Ded then 100%$300 Copay + Ded then 100%Copay waived if admitted; treated as HospitalizationCopay waived if admitted; treated as HospitalizationCopay waived if admitted; treated as HospitalizationDed then 50 / 50Ded then 100%Ded then 50 / 50Ded then 100%Ded then 50 / 50Ded then 100%Ded then 50 / 50Ded then 50 / 50Ded then 100%Ded then 50 / 50Ded then 100%Ded then 50 / 50Ded then 50 / 50Ded then 100%Ded then 50 / 50Ded then 100%Ded then 50 / 50Ded then 50 / 50100%Ded then 50 / 50100%Ded then 50 / 50100%Ded then 50 / 50100%Ded then 50 / 50Ded then 100%Ded then 50 / 50$75Ded then 50 / 50$75Ded then 100%Ded then 50 / 50$25Ded then 50 / 50$25$7,500$60,000$12,000$45,000$10,000$3,750$20,000$6,000$15,000$5,000100% / 0%50% / 50%100% / 0%50% / 50%100% / 0%$6,000$30,000$5,000$15,000$3,000Out-Network$3,000$10,000$2,500$5,000$1,500$3,000In-NetworkOut-NetworkIn-NetworkOut-NetworkIn-NetworkDed then 50 / 50Ded then 100%Ded then 50 / 50Ded then 100%Ded then 50 / 50Ded then 50 / 50100%*Must Satisfy Medical Deductible First2X for 90 day supply2X for 90 day supply2X for 90 day supplyDed then 50 / 50Office Visit CopayDed then 50 / 50Office Visit CopayDed then 50 / 50Ded then 50 / 50Office Visit CopayDed then 50 / 50Office Visit CopayDed then 50 / 50Ded then 100%Ded then 50 / 50Ded then 50 / 50$39,000$13,00050% / 50%$9,000RX Drug Card CopayRX Mail Order/RetailTier 1A Gen / Tier 1 Gen / Pref. Brand / Non Pref. Brand / Pref. Spec. / Non Pref. Spec.***The benefits in this illustration are based on the information provided in the carriers Summary of Benefits and Coverage (SBC). All efforts have been made to ensure complete accuracy. However, it has come to our attention that not all SBC’s for plans starting on or after January 1, 2024 are correct. This is the best representation we have of the benefits above until corrected SBC’s are provided from the carriers. UnlimitedUnlimitedUnlimited$3* / $10* / $50* / $80* / 20% up to $250* / 40% up to $500*Maintenance drugs- after two retail fills, you are required to fill a 90-day supply at CVS Caremark® Mail Service Pharmacy or CVS Pharmacy.$3 / $10 / $45 / $75 / 20% up to $250 / 40% up to $500Tier 1A Gen / Tier 1 Gen / Pref. Brand / Non Pref. Brand / Pref. Spec. / Non Pref. Spec.Tier 1A Gen / Tier 1 Gen / Pref. Brand / Non Pref. Brand / Pref. Spec. / Non Pref. Spec.$3 / $10 / $45 / $75 / 20% up to $250 / 40% up to $500Complex Imaging (MRI, CT, PET, Ultrasound)Ded then 100%Ded then 100%Ded then 100%100%Ded then 100%Analysis of Employee BenefitsFebruary 1, 2024 to April 30, 2025CPOS IICPOS IIAetna AFA CPOSII 3000 HSA 100/50 T CY V23Aetna AFA CPOSII 2500 100/50 $0LXR CY V23Base PlanMid PlanBuy Up PlanAetna AFA CPOSII 1500 100/50 $0LXR CY V23CPOS II

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Annual Deductible (Waived forPreventive Care)Annual MaximumOffice VisitOral ExamPreventative Care Bite-wing x-raysCleaningFillingsBasic Services Extractions Crown RepairMajor Services CrownsInlays & BridgesOrthodontia - (Child Only) Lifetime Max.Periodontics / EndodonticsWaiting PeriodsBasicMajorRatesEmployee OnlyEmployee/SpouseEmployee/ChildrenEmployee/Family$108.44$148.79Employee cost per pay check (24)Employee cost per monthEmployee cost per monthEmployee cost per pay check (24)$37.08$74.14$119.10$163.69$18.54$37.07$54.22$74.40$41.38$82.75$20.69$41.38$59.55$81.85BasicBasicN/AN/AN/AN/A$2,000.00$2,000.0060% After Deductible50% After Deductible$2,000.00$2,000.00$0.00$0.00100%100%90% After Deductible80% After DeductibleAnalysis of Employee BenefitsFebruary 1, 2024 to January 31, 2025Base Dental Plan - VoluntaryBuy Up Dental Plan - Voluntary$50.00PrincipalPrincipalPlus PlanValue PlanIf you go out of network, you will be balanced billed$50.00

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ExamFrequency LensesFramesSingleLenses BifocalTrifocalRatesEmployee OnlyEmployee/SpouseEmployee/ChildrenEmployee/Family$18.39Employee cost per pay check (24)Employee cost per monthUp to $210$25$130 AllowanceUp to $105$6.16$12.32$11.70VSP Choice NetworkIn NetworkOut of NetworkVision Plan- VoluntaryPrincipalOnce Every 12 MonthsOnce Every 12 MonthsOnce Every 24 MonthsExams$10Up to $45$25Up to $30$25Up to $50$25Up to $65Frames$130 Allowance / 20% off remaining BalanceUp to $70Contacts - Medically NecessaryContacts - ElectiveShort Term DisabilityPrincipalElimination Period1st day accident / 8th day illness$3.08$6.16$5.85$9.20This Benefit is Paid For By Riverway Title Group LLCAnalysis of Employee BenefitsFebruary 1, 2024 to January 31, 2025Amount:$25,000Benefit Duration13 weeksBenefit Age Reduction35% - 65; 50% - 70This Benefit is Paid For By Riverway Title Group LLCLife / Accidental Death & DismembermentMonthly Percentage60%PrincipalMonthly Maximum$1,500

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Deductions per year: 24 These rates were prepared on 1/11/2024 and are valid for 90 days.Group Disability for TX AA Risk ClassApplicable to policy forms GDIS-P & GDIS-ClOff-Job Accident and Off-Job Sickness3 Month Benefit PeriodELIMINATION PERIOD ISSUE AGE $400* $1,000* $2,500* $4,000**monthly benefit amount7 days Accident/7 days Sickness 17-49 $5.44 $13.60 $34.00 N/A50-64 $6.26 $15.65 $39.13 N/A65-74 $7.58 $18.95 $47.38 N/A14 days Accident/14 days Sickness 17-49 $3.52 $8.80 $22.00 $35.2050-64 $4.24 $10.60 $26.50 $42.4065-74 $5.40 $13.50 $33.75 $54.006 Month Benefit PeriodELIMINATION PERIOD ISSUE AGE $400* $1,000* $2,500* $4,000**monthly benefit amount7 days Accident/7 days Sickness 17-49 $6.84 $17.10 $42.75 N/A50-64 $9.10 $22.75 $56.88 N/A65-74 $11.82 $29.55 $73.88 N/A14 days Accident/14 days Sickness 17-49 $4.84 $12.10 $30.25 $48.4050-64 $6.12 $15.30 $38.25 $61.2065-74 $8.16 $20.40 $51.00 $81.60Group Accident (GAC4100) for TXApplicable to policy forms GAC4100-P,GAC4100-ClAdditional Benefits:On/Off-Job Accident CoverageBENEFIT LEVEL AD&D BENEFIT LEVEL ISSUE AGE EMPLOYEE EMPLOYEE ANDSPOUSEEMPLOYEE ANDDEPENDENTCHILD(REN)EMPLOYEE, SPOUSEAND DEPENDENTCHILD(REN)Premier Not Included 17-99 $6.46 $9.89 $15.60 $19.10Premier Preferred 17-99 $7.55 $11.73 $17.10 $21.38Page 1 of 5Underwritten by Colonial Life & Accident Insurance CompanySee page 5 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 - $50 BenefitNon-Tobacco RatesISSUE AGE NAMED INSURED NAMED INSURED ANDSPOUSENAMED INSURED ANDDEPENDENT CHILD(REN)NAMED INSURED, SPOUSEAND DEPENDENT CHILD(REN)$15,000 17-24 $4.45 $6.53 $4.45 $6.5325-29 $5.73 $8.48 $5.73 $8.4830-34 $7.08 $10.43 $7.08 $10.4335-39 $10.08 $15.00 $10.08 $15.0040-44 $13.08 $19.50 $13.08 $19.5045-49 $18.03 $27.15 $18.03 $27.1550-54 $22.90 $34.80 $22.90 $34.8055-59 $29.65 $45.08 $29.65 $45.0860-64 $39.93 $60.68 $39.93 $60.6865-69 $48.63 $74.03 $48.63 $74.0370-74 $48.63 $74.03 $48.63 $74.03$30,000 17-24 $7.45 $10.80 $7.45 $10.8025-29 $10.00 $14.70 $10.00 $14.7030-34 $12.70 $18.60 $12.70 $18.6035-39 $18.70 $27.75 $18.70 $27.7540-44 $24.70 $36.75 $24.70 $36.7545-49 $34.60 $52.05 $34.60 $52.0550-54 $44.35 $67.35 $44.35 $67.3555-59 $57.85 $87.90 $57.85 $87.9060-64 $78.40 $119.10 $78.40 $119.1065-69 $95.80 $145.80 $95.80 $145.8070-74 $95.80 $145.80 $95.80 $145.80Tobacco RatesISSUE AGE NAMED INSURED NAMED INSURED ANDSPOUSENAMED INSURED ANDDEPENDENT CHILD(REN)NAMED INSURED, SPOUSEAND DEPENDENT CHILD(REN)$15,000 17-24 $6.25 $9.08 $6.25 $9.0825-29 $8.35 $12.23 $8.35 $12.2330-34 $10.45 $15.38 $10.45 $15.3835-39 $15.25 $22.58 $15.25 $22.5840-44 $20.05 $29.85 $20.05 $29.8545-49 $27.93 $42.08 $27.93 $42.0850-54 $35.73 $54.30 $35.73 $54.3055-59 $46.53 $70.80 $46.53 $70.8060-64 $62.95 $95.78 $62.95 $95.7865-69 $76.90 $117.00 $76.90 $117.0070-74 $76.90 $117.00 $76.98 $117.08(Continued...)Page 2 of 5Underwritten by Colonial Life & Accident Insurance CompanySee page 5 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 - $50 BenefitTobacco RatesISSUE AGE NAMED INSURED NAMED INSURED ANDSPOUSENAMED INSURED ANDDEPENDENT CHILD(REN)NAMED INSURED, SPOUSEAND DEPENDENT CHILD(REN)$30,000 17-24 $11.05 $15.90 $11.05 $15.9025-29 $15.25 $22.20 $15.25 $22.2030-34 $19.45 $28.50 $19.45 $28.5035-39 $29.05 $42.90 $29.05 $42.9040-44 $38.65 $57.45 $38.65 $57.4545-49 $54.40 $81.90 $54.40 $81.9050-54 $70.00 $106.35 $70.00 $106.3555-59 $91.60 $139.35 $91.60 $139.3560-64 $124.45 $189.30 $124.45 $189.3065-69 $152.35 $231.75 $152.35 $231.7570-74 $152.35 $231.75 $152.50 $231.90Group Medical Bridge (GMB7000) for TXAge-BandedApplicable to Policy Forms GMB7000–P & GMB7000-ClWithout Wellbeing AssistanceHOSPITAL CONFINEMENT LEVEL ISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE PARENT FAMILY TWO PARENT FAMILYLevel 2: $100017-49 $4.75 $8.55 $6.78 $10.5850-59 $6.15 $12.20 $8.18 $14.2360-64 $8.60 $17.90 $10.63 $19.9365-99 $12.05 $25.05 $14.08 $27.08HOSPITAL CONFINEMENT LEVEL ISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE PARENT FAMILY TWO PARENT FAMILYLevel 4: $200017-49 $9.45 $17.00 $13.48 $21.0350-59 $12.25 $24.30 $16.28 $28.3360-64 $17.15 $35.70 $21.18 $39.7365-99 $24.05 $50.00 $28.08 $54.03Term Life (ITL5000) for TXApplicable to policy form ITL5000l20-Year Term Base PlanNon-Tobacco RatesISSUE AGE $10,000 $25,000 $50,000 $75,000 $100,00025 $3.36 $5.39 $5.27 $6.91 $8.5435 $3.85 $6.62 $5.79 $7.69 $9.5945 $4.84 $9.11 $10.90 $15.35 $19.7955 $9.03 $19.57 $23.17 $33.75 $44.3365 $20.50 $30.77 $59.54 $88.31 $117.08(Continued...)Page 3 of 5Underwritten by Colonial Life & Accident Insurance CompanySee page 5 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 - $50 BenefitTobacco RatesISSUE AGE NAMED INSURED NAMED INSURED ANDSPOUSENAMED INSURED ANDDEPENDENT CHILD(REN)NAMED INSURED, SPOUSEAND DEPENDENT CHILD(REN)$30,000 17-24 $11.05 $15.90 $11.05 $15.9025-29 $15.25 $22.20 $15.25 $22.2030-34 $19.45 $28.50 $19.45 $28.5035-39 $29.05 $42.90 $29.05 $42.9040-44 $38.65 $57.45 $38.65 $57.4545-49 $54.40 $81.90 $54.40 $81.9050-54 $70.00 $106.35 $70.00 $106.3555-59 $91.60 $139.35 $91.60 $139.3560-64 $124.45 $189.30 $124.45 $189.3065-69 $152.35 $231.75 $152.35 $231.7570-74 $152.35 $231.75 $152.50 $231.90Group Medical Bridge (GMB7000) for TXAge-BandedApplicable to Policy Forms GMB7000–P & GMB7000-ClWithout Wellbeing AssistanceHOSPITAL CONFINEMENT LEVEL ISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE PARENT FAMILY TWO PARENT FAMILYLevel 2: $100017-49 $4.75 $8.55 $6.78 $10.5850-59 $6.15 $12.20 $8.18 $14.2360-64 $8.60 $17.90 $10.63 $19.9365-99 $12.05 $25.05 $14.08 $27.08HOSPITAL CONFINEMENT LEVEL ISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE PARENT FAMILY TWO PARENT FAMILYLevel 4: $200017-49 $9.45 $17.00 $13.48 $21.0350-59 $12.25 $24.30 $16.28 $28.3360-64 $17.15 $35.70 $21.18 $39.7365-99 $24.05 $50.00 $28.08 $54.03Term Life (ITL5000) for TXApplicable to policy form ITL5000l20-Year Term Base PlanNon-Tobacco RatesISSUE AGE $10,000 $25,000 $50,000 $75,000 $100,00025 $3.36 $5.39 $5.27 $6.91 $8.5435 $3.85 $6.62 $5.79 $7.69 $9.5945 $4.84 $9.11 $10.90 $15.35 $19.7955 $9.03 $19.57 $23.17 $33.75 $44.3365 $20.50 $30.77 $59.54 $88.31 $117.08(Continued...)Page 3 of 5Underwritten by Colonial Life & Accident Insurance CompanySee page 5 for Important Notice

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Term Life (ITL5000) for TXApplicable to policy form ITL5000l20-Year Term Base PlanTobacco RatesISSUE AGE $10,000 $25,000 $50,000 $75,000 $100,00025 $5.24 $10.11 $9.11 $12.66 $16.2135 $5.86 $11.65 $10.31 $14.47 $18.6345 $7.95 $16.87 $22.73 $33.10 $43.4655 $16.97 $39.42 $53.02 $78.53 $104.0465 $35.07 $51.84 $101.69 $151.53 $201.3720-Year Spouse Term Life BenefitISSUE AGE $10,000 $20,000 $30,000 $40,000 $50,00025 $1.18 $2.36 $3.54 $4.72 $5.9035 $1.41 $2.81 $4.21 $5.62 $7.0245 $3.28 $6.56 $9.84 $13.12 $16.40Children's Term Life BenefitISSUE AGE $10,000 $20,0000-18 $2.50 $5.00Whole 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-GPO,ICC23-IWL5000-LTC/IWL5000-LTClAdult Base Plan Paid-Up at Age 100Non-Tobacco RatesISSUE AGE $10,000 $25,000 $50,000 $75,000 $100,00025 $4.60 $11.50 $23.00 $34.50 $46.0035 $6.26 $15.65 $31.29 $46.94 $62.5845 $9.94 $24.86 $49.71 $74.56 $99.4255 $16.23 $40.56 $81.12 $121.69 $162.2565 $28.88 $72.19 $144.37 $216.56 $288.74Tobacco RatesISSUE AGE $10,000 $25,000 $50,000 $75,000 $100,00025 $8.04 $20.09 $40.17 $60.25 $80.3335 $9.78 $24.44 $48.88 $73.31 $97.7545 $14.56 $36.39 $72.77 $109.15 $145.5455 $24.53 $61.33 $122.66 $184.00 $245.3365 $41.96 $104.89 $209.79 $314.68 $419.57(Continued...)Page 4 of 5Underwritten by Colonial Life & Accident Insurance CompanySee page 5 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-GPO,ICC23-IWL5000-LTC/IWL5000-LTClAdult Base Plan Paid-Up at Age 10020-Year Spouse Term Life BenefitISSUE AGE $10,000 $20,000 $30,000 $40,000 $50,00025 $1.66 $3.32 $4.98 $6.64 $8.2935 $2.11 $4.21 $6.31 $8.42 $10.5245 $3.79 $7.57 $11.35 $15.14 $18.92Children's Term Life BenefitISSUE AGE $10,000 $20,0000-18 $2.50 $5.00Important 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.© 2024 Colonial Life & Accident Insurance Company"Colonial Life," and the Colonial Life logo, separately and in combination, are service marks of Colonial Life & Accident Insurance Company. All rights reserved.(Continued...)Page 5 of 5Underwritten by Colonial Life & Accident Insurance CompanySee page 5 for Important Notice

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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.10-19 | 101296-3Underwritten 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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Group Accident InsurancePremier PlanIf you are in an accident, your focus should be on recovery, not how you’re going to pay your bills. Colonial Life accident insurance can pay benets directly to you to use however you like — from medical costs to everyday expenses. Whether you’ve had a fall or a car accident, these benets can offer nancial support when you need it.Our coverage includes:• Benets payable directly to you• No medical questions to qualify for coverage• Coverage for simple and complex injuries• Benets payable regardless of other insurance• Worldwide coverage• Works alongside your Health Savings Account (HSA)BENEFITS STORY Milo was working in his yard when he tripped and injured his hand.With Colonial Life accident benets, Milo was able to pay the annual deductible and co-payments for his health insurance plan without using his savings or taking on debt.MILO’S ACCIDENT BENEFITSMilo went to an urgent care facility and received immediate care.Treatment in a physician’s office or urgent care facility$150The doctor ordered an X-ray and discovered Milo had fractured his hand.• X-ray• Fracture (hand)$60$1,200The doctor also found that Milo had a cut on his hand but did not require stitches. Laceration (no repair) $75Milo was discharged with a splint. Durable medical equipment $65Over the next several weeks, Milo had two follow-up appointments with his doctor. Physician follow-up visits (2 visits)$50 x 2 = $100Total $1,650For illustrative purposes only. Benet amounts may vary and may not cover all expenses. GROUP ACCIDENT (GAC4100) — PREMIER PLAN

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

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

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Contact your Colonial Life benets counselor to learn more.CT: We will pay the air ambulance or ambulance benets directly to the licensed professional ambulance company. CT includes a benet for “outpatient emergency medical care for accidental ingestion of a controlled substance.” The at-home care benet maximum is 80 days. KS: Chiropractic therapy is not available. NH: NH includes a burn benet for 2nd degree burns under 5% of skin surface. The minimum benet for the loss or partial loss of a digit is $1,000.MD: The prescription drug benet is not available.PA: The pet boarding benet is not available. TN: The therapy services benet includes chiropractic. TX: The concussion benet is replaced by the “concussion and acquired brain injuries” benet. The therapy services benet includes the following services: cognitive communication therapy; cognitive rehabilitation therapy; community reintegration services; neurobehavioral; neurocognitive therapy and rehabilitation; neurofeedback therapy; neurophysiological; neuropsychological; post-acute transition services; psychophysiological testing or treatment; and remediation.HEALTH SAVINGS ACCOUNT (HSA) COMPATIBLEThis plan is compatible with HSA guidelines and any other HSA plan in which a covered family member may participate.It may also be offered to employees who do not have HSAs.THIS INSURANCE PROVIDES LIMITED BENEFITS.This coverage is a supplement to health insurance. It is not a substitute for essential health 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.EXCLUSIONSWe will not pay benets for claims that are caused by, contributed to by, or resulting from elective procedures, felonies or illegal occupations, hazardous avocations, impaired driving, incarceration, racing, semi-professional or professional sports, sickness, suicide or self-inicted injuries, war, or armed conict. ID: ”Semi-professional sports or professional sports” exclusion is replaced by “professional sports” exclusion. IL: We will not pay benets for claims that are caused by or resulting from Exclusions.MD: Includes an exclusion for “Prohibited referrals.” The “felonies or illegal occupations” and “impaired driving” exclusions apply only to Accidental Death and Dismemberment benets.MI: “Impaired driving” and “suicide or self-inicted injuries” exclusions do not apply. MN: “Suicide or self-inicted injuries” exclusion does not apply.NH: “Incarceration” and “racing” exclusions do not apply.UT: We will not pay benets for claims that are caused by or resulting from Exclusions.VT: “Impaired driving” exclusion does not apply. This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benets payable. Applicable to policy form GAC4100-P and certicate form GAC4100-C (including state abbreviations where used, for example: GAC4100-P-TX and GAC4100-C-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.© 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 3-23 | 1212553ColonialLife.com

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For more information, talk with your benefits counselor.ColonialLife.comGroup Hospital Indemnity InsurancePlan 1 (HSA-Compliant)PA: “Hospital Confinement Admission” benefit replaces the “Hospital Confinement” benefitTHIS INSURANCE PROVIDES LIMITED BENEFITS.Insureds in California must be covered by comprehensive health insurance before applying for Hospital Confinement Indemnity Insurance.EXCLUSIONSWe will not pay any benefits for injuries received in accidents or for sicknesses which are caused by, contributed to by or occur as a result of the following exclusions and limitations. (a) alcoholism or drug addiction; (b) dental procedures; (c) elective procedures and cosmetic surgery; (d) felonies or illegal occupations; (e) mental or nervous disorders; (f) pregnancy of a dependent child; (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 LIMITATIONS(l) We will not pay benefits for loss during the first 12 months aer the certificate eective date due to a pre-existing condition. (m) A pre-existing condition is a sickness or physical condition, whether diagnosed or not, for which a covered person was treated, had medical testing, received medical advice or had taken medication within the 12 months before the certificate eective date. (n) This limitation applies to the following benefits, if applicable: Hospital Confinement, Daily Hospital Confinement, Inpatient Mental and Nervous, Rehabilitation Unit Confinement and Specified Critical Illness.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 formGMB7000-P and certificate form GMB7000-C (including state abbreviations where applicable, such as policy forms GMB7000-P-AU-TX and GMB7000-P-EE-TX, and certificate forms GMB7000-C-AU-TX and GMB7000-C-EE-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 #101733.GMB7000 – PLAN 1 | 6-21 | 101917-2Group Medical BridgeTM insurance can help with medical costs associated with a hospital stay that your health insurance may not cover. These benefits are available for you, your spouse and eligible dependent children. Hospital confinement ............................................................... $ _______________ per dayMaximum of one day per covered person per calendar yearWaiver of premiumAvailable aer 30 continuous days of a covered confinement of the named insured£ Daily hospital confinement .................................................................... $100 per dayMaximum of 365 days per covered person per confinement. Re-confinement for the same or related condition within 90 days of discharge is considered a continuation of a previous confinement.Health savings account (HSA) compatibleThis plan is compatible with HSA guidelines and any other HSA plan that a covered family member may participate in. It may also be oered to employees who do not have HSAs.Colonial Life & Accident Insurance Company’s Group Medical Bridge oers an HSA-compatible plan in most states.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.1,000 or 2,000

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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:5,000 - 50,000

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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 ............................................................. $_____________ Maximum of one test per covered person per calendar year; subject to a 30-day waiting period before the benefit is payable. The test must be performed 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.50

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Term Life InsurancePeace 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 nancial security to help them cover their ongoing living expenses.Advantages of term life insurance Lower cost when compared to cash value life insurance Same benet payout throughout the duration of the policy Several term period options for exibility during high-need years Benet for the beneciary that is typically tax freeBenets and features• Stand-alone spouse policy available whether or not you buy a policy for yourself• Guaranteed premiums that do not increase during the selected term• Ability to convert all or a portion of the benet amount into cash value life insurance• Flexibility to keep the policy if you change jobs or retire• Built-in terminal illness accelerated death benet that provides up to 75% of the policy’s death benet (up to $150,000) if you’re diagnosed with a terminal illness1• Premium savings for face amounts over $250,000 based on your health44% of Americans say their household would face nancial hardship within six months should a wage earner die unexpectedly.LIMRA, 2022 Life Insurance Barometer Study.GAP54% of Americans have life insurance coverage, with an average coverage gap of $200,000.LIMRA, 2021 “Industry Associations Unite to Help Address the Life Insurance Coverage Gap in the United States.”TERM LIFE (ITL5000)

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Optional ridersAt an additional cost, you can purchase the following riders for even more nancial protection.Spouse term life riderYour spouse can have up to $50,000 of coverage for a 10-year or 20-year term period.Children’s term life riderYou can purchase up to $20,000 in term life coverage for all of your eligible dependent children and pay one premium. The children’s term life rider may be added to either your policy or your spouse’s policy — not both.Accidental death benet riderThe beneciary may receive an additional benet if the covered person dies as a result of an accident before age 70. The benet 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 benet riderIf a licensed health care practitioner certies that you have a chronic illness, you may receive an advance on all or a portion of the death benet, available in a one-time lump sum or monthly payments.1 A chronic illness means you require substantial supervision due to a severe cognitive impairment or you may be unable to perform at least two of the six Activities of Daily Living.² Premiums are waived during the benet period. Critical illness accelerated death benet riderIf you suffer a heart attack (myocardial infarction), stroke or end-stage renal (kidney) failure, a $5,000 benet is payable.1 A subsequent diagnosis benet is included.Waiver of premium benet 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.3How much coverage do you need? YOU $ _________________Select the term period: 10-year 15-year 20-year 30-year SPOUSE $ _____________Select the term period: 10-year 15-year 20-year 30-yearSelect any optional riders: Spouse term life rider $ _____________ face amount for ______-year term period Children’s term life rider $ _____________ face amount Accidental death benet rider Chronic care accelerated death benet rider Critical illness accelerated death benet rider Waiver of premium benet riderTo learn more, talk with your Colonial Life benets counselor.1. Any payout would reduce the death benet. Benets may be taxable as income. Individuals should consult with their legal or tax counsel when deciding to apply for accelerated benets. 2. Activities of daily living are bathing, continence, dressing, eating, toileting and transferring. 3. You must resume premium payments once you are no longer disabled.EXCLUSIONS AND LIMITATIONSIf the insured dies by suicide, whether sane or insane, within two years (one year in ND) from the coverage effective date or the date of reinstatement, we will not pay the death benet. We will terminate this policy and return the premiums paid without interest, minus any loans and loan interest to you.This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benets payable. Applicable to policy forms ICC18-ITL5000/ITL5000 and rider forms ICC18-R-ITL5000-STR/R-ITL5000-STR, ICC18-R-ITL5000-CTR/R-ITL5000-CTR, ICC18-R-ITL5000-WP/R-ITL5000-WP, ICC18-R-ITL5000-ACCD/R-ITL5000- ACCD, ICC18-R-ITL5000-CI/R-ITL5000-CI, ICC18-R-ITL5000-CC/R-ITL5000-CC (plus state abbreviations where applicable, for example ITL5000-TX). For cost and complete details of the coverage, call or write your Colonial Life benets counselor or the company.Insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.© 2022 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. FOR EMPLOYEES 6-22 | 101895-3ColonialLife.com

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Whole Life Plus InsuranceOur individual whole life plan offers dependable lifetime coverage and guaranteed cash value to help employees during challenging times.Whether employees want the nancial security of a predictable death benet or access to the plan’s cash value through a policy loan for emergency situations, Whole Life Plus insurance has the exibility to provide both.1Product guarantees(as long as premiums are paid and no loans are taken)Competitive features• Death benet stays the same2• Choice of two plan designs based on length of time premiums are paid (Paid-Up at Age 70 and Paid-Up • Accumulates cash value based on a nonforfeiture at Age 100)interest rate of 3.75%1 • Coverage for broad issue age ranges, up to 79 on • Premiums remain the samePaid-Up at Age 100 plan• Tobacco-distinct, unisex ratesAttractive underwriting• Accelerated death benet due to terminal illness2• Face amounts up to $500,000• $3,000 advance claim payment from the death benet2• Guaranteed issue available• Policy loans available ($250 minimum)1• Nonmedical underwriting (no blood proles or examinations) available for certain age bands and face amounts• Spouse signature not required for spouse term rider or spouse whole life plus policy with face • Policy pays cash surrender value at age 100 (when the policy endows)• Portability that enables employees to take coverage with them if they change jobs or retireamounts up to $50,000, except in states that require applicant to signOptional riders• Accidental death benet riderFamily coverage options• Chronic care accelerated death benet rider• Stand-alone spouse and juvenile policies available with no employee policy required• Spouse term rider (10- and 20-year) available on • Critical illness accelerated death benet rider• Guaranteed purchase option rider• Waiver of premium benet rideremployee policy • Children’s term rider available on employee or spouse policyWHOLE LIFE PLUS (IWL5000)

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Why choose Colonial Life?Life is full of unexpected moments. Colonial Life offers an unexpected approach to benets. Service at every step: We make account setup, enrollment, billing and claims easy. And we have a team ready to help when you need it.Personalized benets counseling: Our benets counselors can meet with employees individually to create a personalized benets solution that ts their needs now and in the future. A trusted partnership: As business and employees’ needs change, we ensure that the support we provide changes and adapts, too. One in four employers indicated life insurance is now more important and they are considering changes to their plans, such as adding supplemental life.3Contact your Colonial Life representative to learn more about Whole Life Plus.ColonialLife.com1. Accessing the accumulated cash value reduces the death benet by the amount accessed, unless the loan is repaid. Cash value will be reduced by any outstanding loans against the policy.2. Any accelerated benet payout would reduce the death benet. Benets may be taxable as income. Individuals should consult with their legal or tax counsel when deciding to apply for accelerated benets.3. LIMRA, 2021 Insurance Barometer Study. https://www.limra.com/en/research/research-abstracts-public/2021/2021-insurance-barometer-study. Accessed July 2021.EXCLUSIONS AND LIMITATIONS: If the insured dies by suicide, whether sane or insane, within two years (one year in ND) from the coverage effective date or the date of reinstatement, we will not pay the death benet. We will terminate this policy and return the premiums paid without interest, minus any loans and loan interest to you. This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benets payable. 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. For cost and complete details of the coverage, call or write your Colonial Life benets 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. FOR BROKERS AND EMPLOYERS 7-21 | 642200

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*Standard text messaging rates may apply.Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies, including Aetna Life Insurance Company and its affiliates (Aetna).Android and Google Play are trademarks of Google, Inc.Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc. This material is for information only. Information is believed to be accurate as of production date; however, it is subject to change. For more information about Aetna plans, refer to www.aetna.com.www.aetna.com©2015 Aetna Inc. 00.02.437.1 B (11/15)You’re in your car, at the doctor’s office … anywhere. You need that ID number or claims record now. With Aetna Mobile, you’ll get all the answers you need, instantly. Features of Aetna MobileSearch claims — no more guesswork when you don’t have the paperwork with you.Member cost estimator — real-time estimates for out-of-pocket medical expenses based on your health plan.Check benefits and coverage information — just clear, accurate details when you click. Pull up your medical and/or dental ID card information — if you left your ID card at home, it’s no problem.View your disability or leave information — reference your existing claims, leaves and payments while you’re on the go.Use the Urgent Care Finder — it’s for immediate help in an emergency. Because every minute counts.Contact us — for fast answers to your plan questions.Message center — one location for all Aetna e-mail correspondence from Member Services.Two ways to download your FREE Aetna Mobile app: • Text Apps to 23862 to download now* • Scan the code with your mobile deviceTo learn more, visit us at www.aetna.com/mobile.Pharmacy — find a pharmacy, get drug costs or refill a prescription on the go.Find a doctor — it’s easy to search for doctors, dentists and specialists in your area.Look up symptoms on the iTriage® app — it’s easy to search symptoms, conditions and medications.More — for access to your personal health record.

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The Attain by AetnaSM app is a ﬁrst-of-its kind health experience that can oﬀer members personalized goals, achievable actions and big rewards — like an Apple Watch® or gift cards from popular retailers. MORE THAN FITNESS10K steps won't motivate everyone to get healthy. The app empowers and rewards members to get healthier — in ways that work for them: • Reminders to get a ﬂu shot and schedule an annual physical• Lab steerage to lower-cost, in-network facilities• Tips for healthier snacking and better sleep• Inspiration for increasing activity levelsSMARTWe combine activity from a member's Apple Watch with theirhealth history to serve personalized app experiences. DESIGNED IN COLLABORATION WITH APPLE We collaborated with a top technology partner who has a consumer-ﬁrst mission just like us. CREATED WITH A TEAM OF DOCTORSWe used their knowledge and expertise to build smart, clinically based, achievable goals. bySM®TM

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Talk to a doctor Teladoc.com/Aetna 1-855-Teladoc (835-2362)Treat many medical conditions: Cold and ﬂu symptoms • Bronchitis • Allergies • Sinus problems • Respiratory infection • And more! © 2016 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc is being provided to fully-insured Aetna members and members of plans administered by Aetna. Teladoc is also provided to self-insured Aetna members and members of plans administered by Aetna whose employer has elected to offer the program to their employees. Teladoc and Teladoc physicians are independent contractors and are neither agents nor employees of Aetna or plans administered by Aetna. Teladoc is not available in all states. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services. Talk to a doctor anytime, anywhere Talk to a doctor Teladoc.com/Aetna 1-855-Teladoc (835-2362)Treat many medical conditions: Cold and ﬂu symptoms • Bronchitis • Allergies • Sinus problems • Respiratory infection • And more! Sam Sample 2 Manhattanville Rd Purchase, NY 10577 Teladoc.com/mobileFacebook.com/Teladoc<<URL>><<Phone>>Learn more about Teladoc:Teladoc.com/Aetna1-855-Teladoc (835-2362)04/02/2016_S_03/31/2016_10E100_7328 Your Teladoc® membership cards are enclosed. Register now at teladoc.com/aetna!

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Request a consultA Teladoc doctor is always just a call or click away.Provide medical historyLog in and complete the "My Medical History" tab.Set up an accountVisit the Teladoc website and click "Set up account".Register for Teladoc today!<<URL>><<Phone>>Your cost is: $40 OR LESS Set up an account: Visit {URL} and click "Set up account".Conﬁgure su cuenta: Visite {URL}y haga clic en "Crear una cuenta" (Set up account).Provide medical history: Log in and ﬁll out the "My Medical History" tab.Complete su historial medico: Inicie sesionen su cuenta y complete la seccion de MyMedical History (mi historial medico) Request a consult: A Teladoc doctor is always just a call or click away. Solicite una consulta: Un medico de Teladoc siempre esta disponible con solo una llamada o un clic. 24/7/365 medical care for: Sam Sample & Eligible Dependents Teladoc.com/Aetna 1-855-Teladoc (835-2362)24/7/365 medical care for: Sam Sample & Eligible Dependents Teladoc.com/Aetna 1-855-Teladoc (835-2362)ANYTIME, ANYWHERE Teladoc does not replace your primary care physician. It is a convenient and affordable option that allows you to talk to a doctor who can diagnose, recommend treatment and prescribe medication, when appropriate, for many of your medical issues. EXPERIENCE YOU CAN TRUST Teladoc doctors are U.S. board-certiﬁed, licensed in your state and average 15 years of practice experience. With your consent, Teladoc will provide information about your consult to your primary care physician. TREAT MANY CONDITIONS • Sinus problems• Bronchitis• Allergies• Cold and ﬂu symptoms• Respiratory infection• Ear infection• And more! Request a consultA Teladoc doctor is always just a call or click away.Provide medical historyLog in and complete the "My Medical History" tab.Set up an accountVisit the Teladoc website and click "Set up account".Register for Teladoc today!<<URL>><<Phone>>Teladoc.com/Aetna 1-855-Teladoc (835-2362) Sam, Welcome to Teladoc Sample Company has selected Teladoc, made available through Aetna, to provide you and your eligible dependents with 24/7/365 access to U.S. board-certiﬁed doctors and pediatricians by phone or online video. Less than an urgent care/ER visit. Your cost is never more than a doctor visit!

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At your serviceSupport with life’s issues in just one call Aetna Resources For Living℠80.04.033.1-ARFL A (2/19)Everyone in your household can call The program includes:• You• Your children up to age 26, whether or not they live at home• Household members, whether or not they’re related to youUse the program at no cost and get emotional support to help with all aspects of life, including: • Relationships• Emotional well-being • Work or family stress and anxiety• Alcohol or other drug misuse• Depression• Personal and life improvement• Child care• Elder care • Grief and loss• Legal or financial topicsHelp when you want it, how you want it You and your household members can reach us by phone any time of day or night at 1-866-326-7172. Our counselors provide free, unlimited in-the-moment support.You and your household members also get three free face-to-face or televideo sessions per year with a master’s level therapist. For those covered under the Small Group Aetna Funding Advantage medical plan, you and/or your covered dependents can ask about choosing a provider who’s in the medical plan network. That way, if you decide to continue beyond the first three visits, you can keep out of pocket costs as low as possible.Kids, jobs, bills, health, world events. Life ― it happens to all of us. Some days it can be tough to manage the competing priorities in our lives and keep everything running smoothly. Whether you can use a little help with everyday issues or you find yourself in a crisis situation, we’re here for you. You and your household members can get support with personal and workplace challenges 24 hours a day, 7 days a week. It’s free through Aetna Resources For Living (ARFL).

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Aetna Resources For LivingSM is the brand name used for products and services offered through the Aetna group of subsidiary companies (Aetna). The EAP is administered by Aetna Behavioral Health, LLC and in California for Knox-Keene plans, Aetna Health of California, Inc. and Health and Human Resources Center, Inc.All EAP calls are confidential, except as required by law. This material is for informational purposes only. It contains only a partial, general description of programs and services and does not constitute a contract. EAP instructors, educators and network participating providers are independent contractors and are neither agents nor employees of Aetna. Aetna does not direct, manage, oversee or control the individual services provided by these persons and does not assume any responsibility or liability for the services they provide and, therefore, cannot guarantee any results or outcomes. The availability of any particular provider cannot be guaranteed and is subject to change. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to aetna.com.©2019 Aetna Inc.80.04.033.1-ARFL A (2/19) Download the Aetna Resources For Living mobile app today from your device’s app store. It’s got lots of free resources like stress-busters and a mood tracker. You can even request a call back.Legal and financial services Your plan also includes legal and financial guidance from qualified professionals. Call us for a free initial consultation for each issue and reduced rates for continued services. You can use legal services for:• Free online will• Tax consultation by phone• Detailed will and trustpreparation• Identity theft consultation• Mediation services• Online forms andinformation• Legal and financial libraryAnd common financial issues include:• Credit counseling• Debt and budgetassistance• Tax planning• Retirement and collegeplanningDaily life assistanceYou and your household members can call us for help finding service providers to meet a wide variety of needs. A worklife specialist will spend a few minutes talking to you about your needs. Then he or she will search for options that could meet those needs within the budget you set. You’ll get a report listing the results of our search. Then the choice is yours. Let us research providers you can hire at your expense for: • Child care• Elder care• Adoption• Household services• Auto repairs• Veterinarians• Pet sitters and moreLog on to your member website to access videos, articles, webinars and links including: • Live and on-demand webinars• Care providers for children and older adults• Public and private school searches• Adoption resources• Parenting information• Fitness and nutrition tips• Health and wellness resources• Veteran support• College search and financial tools• Over one million worklife providersVisit MindCheck® to see how you’re feeling, lower your stress and help keep a positive outlook. “Find your color,” read articles to improve your state of mind and sign up for helpful e-mails at mindchecktoday.com. myStrengthTM can help you overcome depression, anxiety, substance misuse, insomnia, chronic pain and more. Log on for custom inspiration, eLearning programs, trusted resources and daily motivation.We’re always here for you. Give us a call 24/7 at 1-866-326-7172 for emotional support, daily life assistance and more.resourcesforliving.com Username: SGEAPPassword: EAP

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Start out strong.Protect yourself with a flu shot.It’s that time of year again. If you’ve ever had the flu, you know how sick it can make you feel. The good news is that the best way to prevent the flu is to get a flu shot. This can help protect you and those around you all throughout the season.Who needs the flu shot?Everyone ages 6 months and older should get the flu shot unless it’s not recommended by a doctor. It’s especially important for those who have a higher chance of getting the flu including:1• Pregnant women• Children under the age of 5• Adults ages 65 and older• Anyone with a health condition, such as asthma or diabetes, or a weak immune system Get your flu shot today.*Log in to your member website at Aetna.com to find a network provider.Walk in or schedule a flu shot** at MinuteClinic® at select CVS Pharmacy® and Target locations.* Aetna Whole Health℠ members should go through their primary care doctor for the flu vaccine.**Flu shots available when MinuteClinic health care provider is on duty. Age restrictions apply. ¹ Centers for Disease Control and Prevention. People at high risk for flu complications. August 27, 2018. Accessed September 10, 2019. Aetna.com20.03.413.1 K (10/19)

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Who else can you protect by getting a flu shot?The people you see daily could have a higher chance of getting the flu, but you may not know it.YouYour friendly neighbors who have a baby at home The passengers on your bus who are 65 and olderYour favorite coffee shop employee who has type 1 diabetesYour coworker who is pregnant but not showingGive yourself the best shot at good health. Get your flu shot today.Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies, including Aetna Life Insurance Company and its affiliates (Aetna).Aetna and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health® family of companies. This material is for information only. Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services. Not all health services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change. For more information about Aetna® plans, refer to Aetna.com. Aetna.com©2019 Aetna Inc. 20.03.413.1 K (10/19)

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Bringing quality care close to home The time for a solution that gives people more options to take control of their health and get the care they need — on their terms — is now. Increase value without increasing costs Improve health Boost satisfaction High-quality care that’s convenient and reliable MinuteClinic® makes it easy for your employees to get the care they need, when and where they need it. And now your employees can get access to all covered MinuteClinic services at no cost* to them — not just preventive care.** Open every day, including evenings. MinuteClinic oers both walk-in and scheduled appointment options. MinuteClinic is a walk-in clinic at select CVS Pharmacy® and Target stores and is the largest provider of retail health care in the United States — with over 1,100 locations in 33 states and the District of Columbia. MinuteClinic health care providers treat a variety of illnesses, injuries and conditions. They can also write prescriptions, when medically appropriate. Contact me today to learn more. *Includes access to all covered services at MinuteClinic.Eligible members enrolled in high-deductible plans must meet their deductible. However, such services would be subject to negotiated contract rates. Once the deductible has been met, members will be able to access MinuteClinic services at no cost-share. Members in indemnity plans are not eligible for this benet. Such members should refer to their benet plan documents in order to determine coverage and applicable cost-share for walk-in clinic benets and services, as applicable. **Visit minuteclinic.com for age and service restrictions. This is for informational purposes only and is intended to be used only in connection with self-funded plans. It is not medical advice and is not intended to be a substitute for proper medical care provided by a physician. Information is believed to be accurate as of the production date; however, it is subject to change. Aetna and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health family of companies. Aetna is not responsible or liable in any manner for services received at MinuteClinic locations. For more information about Aetna plans, refer to aetna.com. Aetna Funding Advantage (AFA) plans are self-funded, meaning the benets coverage is oered by the employer. Aetna Life Insurance Company only provides administrative services and oers stop loss insurance coverage to the employer. ©2019 Aetna Inc. 91.03.206.1

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You’re covered Preventive care services* are covered at no extra cost through your health benefits and insurance plan when you see a physician or provider in your plan’s network. We’ve got you covered with no cost share** Coverage includes routine screenings and checkups, as well as some counseling to prevent illness, disease and other health problems. Many of these services are covered as part of physical exams. You won’t have to pay out of pocket for these preventive visits when they are provided in network. They include: Regular checkups for adults Routine gynecological exams for women Wellness exams for children These services are generally not preventive if you get them as part of your visit to diagnose, monitor or treat an illness or injury. In these cases, copays, coinsurance and deductibles may apply. Aetna follows preventive recommendations as determined by the U.S. Preventive Services Task Force, Centers for Disease Control and Prevention and other advisory committees. Screenings, services and other covered preventive services can vary by age, gender and other factors. Be sure to talk with your doctor about which services are right for you. *E mployers with grandfathered plans may choose not to cover some of these preventive services or to include cost share (deductible, copay or coinsurance) for preventive care services. Certain religious employers and organizations may choose not to cover contraceptive services as part of the group health coverage. ** Preventive care at no cost share covered in accordance with the Affordable Care Act.

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Covered preventive services for adults commonly include: Screenings for: • Abdominal aortic aneurysm (one-time screening for men of specified ages who have ever smoked) • Alcohol misuse • Cholesterol (for adults of certain ages or at higher risk) • Colorectal cancer* • Depression • Diabetes • Hepatitis B surface antigen • High blood pressure • Human immunodeficiency virus (HIV) • Lung cancer* (for adults with a history of smoking) • Obesity • Prostate cancer* • Syphilis (for all adults at higher risk) • Tobacco use • Tuberculosis (TB) testing Medicine and supplements Doses, recommended ages and recommended populations vary. • Aspirin for women at risk of preeclampsia and adults ages 50 – 69 with certain heart risk factors* • Bowel preparation medication (for preventive colorectal cancer screening) • Low-dosage statins: dependent on cardiovascular disease (CVD) and risk factors • Tobacco-cessation medicine approved by the U.S. Food and Drug Administration (FDA), including over-the- counter medicine when prescribed by a health care provider and filled at a participating pharmacy Counseling for: • Alcohol misuse • Domestic violence • Nutrition (for adults with cardiovascular and diet-related chronic disease) • Obesity • Sexually transmitted infection (STI) prevention (for adults at higher risk) • Tobacco use (including programs to help you stop using tobacco) Immunizations Doses, recommended ages and recommended populations vary. • Hepatitis A and B • Herpes zoster • Human papillomavirus (HPV) • Influenza (flu) • Measles, mumps, rubella (MMR) • Meningococcal (meningitis) • Pneumococcal (pneumonia) • Tetanus, diphtheria, pertussis (Tdap) • Varicella (chickenpox) *Subject to age restrictions.

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Covered preventive services for women commonly include: Screenings and counseling for: • Breast cancer chemoprevention if you’re at a higher risk • Breast cancer (BRCA) gene counseling and genetic testing if you’re at high risk with no personal history of breast and/or ovarian cancer • Breast cancer mammography* • Cervical cancer* • Chlamydia infection* • Gonorrhea • Interpersonal or domestic violence • Osteoporosis* (depending on risk factors) Medicine and supplements: • Folic acid supplements (for women of childbearing ages) • Risk-reducing medicine, such as tamoxifen and raloxifene, for women with an increased risk for breast cancer* Counseling and services**: • Prescribed FDA-approved over-the-counter or generic female contraceptives*** when filled at a network pharmacy • Two visits a year for patient education and counseling on contraceptives • Voluntary sterilization services Covered preventive services for pregnant women: • Anemia screenings • Bacteriuria, urinary tract or other infection screenings • Breastfeeding interventions to support and promote breastfeeding after delivery, including up to six visits with a lactation consultant† • Diabetes screenings • Expanded counseling on tobacco use • Hepatitis B counseling (at the first prenatal visit) • Maternal depression screening • Rh incompatibility screening, with follow-up testing for women at higher risk • Routine prenatal visits (you pay your normal cost share for delivery, postpartum care, ultrasounds, or other maternity procedures, specialist visits and certain lab tests) Covered preventive supplies for pregnant women: • Breast pump supplies if you get pregnant again before you are eligible for a new pump • Certain standard electric breastfeeding pumps (nonhospital grade) anytime during pregnancy or while you are breastfeeding, once every three years • Manual breast pump anytime during pregnancy or after delivery for the duration of breastfeeding * Subject to age restrictions. ** Certain eligible religious employers and organizations may choose not to cover contraceptive services as part of the group health coverage. *** Brand-name contraceptive drugs, methods or devices are only covered with no member cost sharing under certain limited circumstances, including when required by your doctor due to medical necessity. †Limits may vary depending upon state requirements and applicability.

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Covered preventive services for children commonly include: Screening and assessments* for: • Adolescent depression screening • Alcohol and drug use • Anemia • Attention deficit disorder (ADD) • Autism • Behavioral and psychological issues • Congenital hypothyroidism • Development • Hearing • Height, weight and body mass index • Hematocrit or hemoglobin • Hemoglobinopathies or sickle cell • Hepatitis B • HIV • Lead (for children at risk for exposure) • Lipid disorders (dyslipidemia screening for children at higher risk) • Medical history • Newborn blood screenings • Obesity • Oral health (risk assessment) • STIs • TB testing • Vision Medicine and supplements: • Gonorrhea preventive medicine for the eyes of all newborns • Oral fluoride for children* (prescription supplements for children without fluoride in their water source) • Topical application of fluoride varnish by primary care providers Counseling for: • Obesity • STI prevention (for adolescents at higher risk) Immunizations From birth to age 18 — doses, recommended ages and recommended populations vary. • Haemophilus influenzae type B • Hepatitis A and B • HPV • Inactivated poliovirus • Influenza • Meningococcal (meningitis) • MMR • Pneumococcal (pneumonia) • Rotavirus • Tdap/diphtheria, tetanus, pertussis (DTaP) • Varicella (chickenpox) *Subject to age restrictions.

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Exclusions and limitations This plan does not cover all health care expenses and includes exclusions and limitations. Members should refer to their plan documents to determine which health care services are covered and to what extent. Ask your health care provider about which preventive services are right for you and your family. This material is for information only and is subject to change as regulations are issued and interpretation evolves. This information should not be considered legal guidance regarding the Affordable Care Act or its potential impact. The content described in this communication is not intended to be legal or tax advice and should not be construed as such. We encourage you to consult with your legal counsel and tax experts for legal and tax advice. Health benefits and health insurance plans contain exclusions and limitations. Plan features and availability may vary by location and group size. Not all health services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features are subject to change. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna® plans, refer to aetna.com. aetna.com ©2019 Aetna Inc. 90.03.401.1 A (9/19)

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Get the care you need away from home Whether you’re traveling in or out of the country, sometimes unexpected health problems can happen. But you shouldn’t have to worry about getting urgent and emergency health care while you’re away. So relax and enjoy your trip — and know that we’re here to help. Know your choices for care when inside the U.S. If you need help, call the number on your member ID card. If you’re admitted to an inpatient facility, notify your primary care doctor and us. Go online anytime to find network providers You can search and find network providers, walk-in clinics (including MinuteClinic® locations), urgent care and more through the Aetna® Mobile app or aetna.com. Simply download our app and set up an account before you travel. Visit MinuteClinic locations* You can find these clinics inside select CVS Pharmacy® and Target® stores. MinuteClinic locations are open seven days a week (including nights and weekends) and accept both walk-ins and scheduled appointments. They treat over 125 minor illnesses, injuries and conditions. And you can receive a prescription if needed. Get care anywhere, anytime Talk to a doctor 24/7 by phone, video or mobile app with Teladoc® telemedicine services.** Get care and a prescription (if medically necessary) for flu, allergies, pink eye, food poisoning and many other non-emergency needs. Visit teladoc.com/aetna or call 1-855-TELADOC (1-855-835-2362) (TTY: 711) to learn more and set up an account. *Visit minuteclinic.com for age and service restrictions. **Check your plan for participation. aetna.com 90.03.344.1 A (8/19)

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Know before you goEmergency care while traveling outside of the U.S. Of course, emergencies don’t wait for the right time or place. We cover emergency inpatient hospital care when medically necessary, around the world. If you’re hospitalized outside of the U.S. If you need help and are outside the U.S., call 1-855-888-9046 (TTY: 711) or 959-230-8220 (TTY: 711). Ask for the Aetna Special Case Precertification Unit when you call. Our team will: • C heck if a hospital can treat you. Or we’ll help you transfer to the closest facility that can provide care.• A rrange for medical air ambulance transport with a participating provider, if needed (we must approve this in advance), and coordinate coverage.Keep in mind: • You must need emergency care that can’t wait until you returnto the U.S.• You’ll have to pay for services at the time of care.• W e’ll need an itemized bill and receipt for all services. We don’t require a translation, but it’s helpful to have when we processyour claim. Please include the following:–Provider name and address–Patient name –Member ID –Date of service–Type of service and diagnosis–U .S. dollar amount charged foreach service10tips for healthy travel 1. Get enough sleep.2. Stay hydrated and drink bottled water when outside of the U.S.3. Eat healthy meals.4. Have an exercise routine.5. Take breaks.6. Use hand sanitizer.7. Find out what vaccinesyou may need.8. C heck with your mobile carrier to make sure you can call internationally, and pack extra batteries and chargers.9. C onsider buying travelinsurance for unexpectedexpenses, including health care.10. T ell your bank or credit cardcompany you’re traveling. Reminder: Check your plan documents for a detailed description of your benefits coverage. Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies, including Aetna Life Insurance Company and its affiliates (Aetna). Aetna and MinuteClinic®, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health family of companies. Teladoc and the Teladoc logo are registered trademarks of Teladoc Health, Inc. For a complete description of the limitations of Teladoc services, visit teladoc.com/aetna. This message is for informational purposes only, is not medical advice and is not intended to be a substitute for proper medical care provided by a physician. The information provided above is not a guarantee of coverage. Coverage is based on all the terms and conditions of your plan as well as eligibility at the time services are received. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna® plans, refer to aetna.com. aetna.com ©2019 Aetna Inc. 90.03.344.1 A (8/19)