Steele Auto Group - Benefit Guide : simplebooklet.com

ContentsKey to our commitment is our Benefits Concierge, Maria Clinkscales. She is available to answer benefits questions and to help direct you to the right resources. Maria can help with questions about the enrollment process, qualified life events, lost ID cards or claims. Maria Clinkscales, Benefits Concierge Benefits@BrightlineDealer.com888-727-8124 Mon – Fri, 8:30 AM – 5:00 PM CSTABOUT THE BENEFITS GUIDEThis Benefits Guide describes the highlights of the program in non-technical language. Your specific rights to benefits under the plan are governed solely, and in every respect, by the official Plan Documents, and not information in the Guide. If there is any discrepancy between the description of the program elements as contained in this Guide and the official Plan Documents, the language of the official Plan Documents shall prevail as accurate. Some or all elements of the benefits program may be modified in the future, at any time, to meet required regulations or otherwise as decided by the employer.GETTING STARTED2 Welcome3 Know Before You Go4 Eligibility & EnrollmentMEDICAL & PHARMACY 5 Medical and Rx Benefits6 Sample ID Card7 Medical Contributions8 Angle Rx9 Access+ Program10 Telehealth – Doctor on Demand11 Angle Health Mobile App12 Health Advocate – freshbeniesFLEXIBLE SPENDING ACCOUNTS13 Flexible Spending Accounts14 Medical FSA15 Dependent Care FSA16 Flores Mobile App17 Flores Benefits CardANCILLARY BENEFITS18 Dental19 Vision20 Basic and Voluntary Life and AD&D21 Disability22 Voluntary Rate Calculations23 EAP – Employee Assistance Program24 Travel Assistance ServicesSUPPLEMENTAL COVERAGES25 Colonial Life Voluntary PlansENROLLMENT INSTRUCTIONS26 Steps to EnrollTERMS28 Definition of Common TermsIMPORTANT CONTACTS29 Contact InformationWelcome to Your 2025 BenefitsSteele Auto Group USA continues our partnership with Brightline Dealer Advisors as broker for our employee benefits plans. Brightline offers a unique program to give you and your family the security of knowing that help is available. You should never have to spend your valuable time dealing with insurance issues. Let Brightline take that stress off you.Page 2

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Know Before You GoBenefits Concierge – Maria Clinkscales is here to help you!Maria is your white glove concierge to help answer any questions you have about our benefits plans. She is here to help you with enrollment questions or how to access a carrier’s website. She is a confidential resource dedicated to providing you and your family assistance when you need it. Contact Maria at Benefits@BrightlineDealer.com or call 888-727-8124.A Health Advocate is also here to help you!The team of Health Pros at Alight through freshbenies can help with locating network providers, reviewing bills and EOBs to ensure accuracy, and can even negotiate with providers, when needed. This valuable service is available to all employees at no cost , even if not enrolled in our group medical plan.Dental, Vision Coverage- BlueCross BlueShield of Texas (BCBSTX)Dental and Vision coverages are available through BCBS of TX.Life/AD&D Insurance and Disability Coverage - Reliance Standard• All employees will receive $10,000 ofBasic Life/AD&D coverage at no cost! Youhave the option to purchase additionalcoverage for yourself and yourdependents.• All employees will receive Short TermDisability coverage at no cost! The policywill pay up to 60% of your earning whenyou are unable to work due to a disability.Voluntary Long Term Disability coverage isavailable as well.Supplemental Coverages – Colonial LifeThese coverages are designed to supplement your benefits package based on your needs at discounted rates. Options include – Accident coverage, Hospital Indemnity coverage, and Critical Illness coverage with a Cancer rider. Medical Coverage - Angle Health A comprehensive medical program is a key component to help employees take care of their health. We offer two plan options through Angle Health, utilizing the Cigna PPO Network. The pharmacy program, administered by AngleRx, provides retail and home delivery options. Employee Assistance Program (EAP) – ACI Specialty Benefits through Reliance StandardWhatever life throws at you - big or small, our Employee Assistance Program is here for you. The confidential program provides Master’s-level counselors 24/7, in addition to a variety of resources for you and your family.REQUIRED NOTICESRegulations require that specific notices are provided to all plan participants of a group health plan. Please review the Notices to see how they may affect coverages for you and/or your family. To see the Notices, pleaseclick here or SCAN THIS QR CODE - *** NEW PLAN OPTION FOR 2025 – FSA! ***Steele Auto Group will have a Medical Flexible Spending Account and a Dependent Care Flexible Spending Account available beginning in 2025 with Flores Administrators. Page 3

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Who is Eligible?Full-time employees who work 30 hours or more per week are eligible to enroll in the benefits outlined in this Guide. In addition, the following family members are eligible to participate:• Your legal spouse• Your eligible child(ren) up to age 26 for medical, dental or visioncoverages (natural children, stepchildren, legally-adoptedchildren, and child(ren) for whom you are the court-appointedguardian); other coverages may have different age limits.• Physically or mentally disabled children of any age who areincapable of self-support. Proof of disability may be requested.New HiresYou will become eligible for benefits the 1st day of the month following 30 days of employment. The benefits elected will be effective through December 31, 2025.Current EmployeesOpen Enrollment occurs each year; this is the time for you to make any changes. Benefits elected during Open Enrollment will be effective January 1, 2025 – December 31, 2025.How to Make ChangesYour elections are intended to remain in place until the next open enrollment. If you experience a qualified life event, you must contact Human Resources within 30 days of the event.Qualified Life Events Include:• Marriage, Divorce, Legal Separation• Birth or adoption of a child• Change in child’s dependent status• Death of a spouse, child or other qualified dependent• Change in employment status or a change in coverageunder another employer-sponsored plan• Dependent loses eligibility due to ageSteele Auto Group will utilize the Employee Navigator system to select your benefits for the 2025 plan year. Before beginning enrollment, please have all pertinent information available for both yourself and any dependent(s) you want to enroll. Information such as, dates of birth, and social security numbers, will be required along with beneficiary designations. During the enrollment process, you will have an opportunity to add the dependents you want to be covered. Each benefit election is independent, meaning you can enroll dependents in certain benefits and not enroll them in other benefits.Please remember that the elections you make must stay in place through the entire plan year unless you experience a Qualified Life Event. Detailed instructions on how to enroll may be found at the back of this Guide.How to EnrollEligibility and EnrollmentPage 4

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Medical BenefitsAngle Health $5,000 (You Pay)Angle Health $3,000(You Pay)Calendar Year Deductible (Individual/Family)$5,000 / $10,000 $3,000 / $6,000Coinsurance Percentage 20% 30%Out-of-Pocket Maximum(Individual/Family) Includes deductible and copays$7,150 / $14,300then plan pays 100%$6,000 / $12,000then plan pays 100%Preventive Care No Cost – covered 100% No Cost – covered 100%Primary Care Office Visit $15 Copay $30 CopaySpecialist Office Visit $50 Copay $60 CopayTelehealth – Doctor on Demand $0 Copay $0 CopayUrgent Care Visit $25 Copay $75 CopayEmergency RoomFacility – 20% after $300 CopayPhysician – 20% after DeductibleFacility – 30% after $250 CopayPhysician – 30% after DeductibleHospitalization 20% after Deductible 30% after DeductibleSurgical Care 20% after Deductible 30% after DeductibleGeneric Rx $10 Copay $10 CopayPreferred Brand Rx $45 Copay $45 CopayNon-Preferred Rx $80 Copay $80 CopaySpecialty Rx $150 After Deductible $150 After Deductible90-day Supply 2.5 x Copay amount 2.5 x Copay amountMedical and RxSummary of Benefits and Coverage documents are available in Employee Navigator or from HR.All benefits accumulate on a calendar year basis and start over each January 1st.The Angle Health plans utilizing the Cigna PPO Network provide comprehensive health coverage for employees and dependent(s).All copays and deductible amounts count towards the out-of-pocket maximum. An individual will pay no more than the stated out-of-pocket maximum so long as they utilize Cigna PPO network providers.FIND A NETWORK PROVIDER:1. Go to https://www.anglehealth.com/network-directories2. Select your network: Cigna PPO3. Enter address, city or zip code4. Search by type of doctor or namePage 5

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ANGLE'SRX BENEFITSOLUTIONINTEGRATED ALTERNATIVE FUNDINGSEAMLESS & EFFICIENTAngleRx is partnered with CerpassRx, a nationalPBM with 68,000+ pharmacies in network,focused on the lowest net cost and clinicalefficacy, while providing transparency andcontinued innovation in pharmacy services asthe pharmacy industry rapidly changes.TRUE PARTNER IN PHARMACY SERVICESSTRONG FOUNDATIONFully integrated alternative funding inclusiveof patient assistance, coupons and copaycards, and international sourcing, we work toensure members do not experiencedisruptions while experiencing plan andmember savings with alternative funding.Partnered with Amazon PillPackfor mail order, Virta Health fordiabetes and more to follow aswe continue to expand memberaccess solutions beyond Rx.UNIQUE PARTNERSHIPSPrior authorizations haveidentified 21.5% of GLP-1requested for non-FDA use;integrated alternative fundingcan save over 50% on GLP-1costs. GLP-1 SOLUTIONSContinual monitoring ofdrug pipelinePerform thorough clinicalevaluationEvaluate full costimplications1.2.3.BIOSIMILARS STRATEGYFor more information visit the linkWWW.ANGLEHEALTH.COMA N G L E R X7.23Angle Insurance Services quotes solutions for employers domiciled in the following states for 2+ employeelives: UT, NV, AZ, TX, MO, IN, OH, KY, TN, GA, SC, VA, PA, FL (9+ employee lives), NC (20+ employee lives)Page 8

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Flores Flexible Spending AccountFlores FSA (Healthcare) Flores DCA (Dependent Care)Who is Qualified?Any full-time, eligible employee Any full-time, eligible employeeAnnual Contribution Limits2025 - $3,300 Per Year 2025- $5,000 Per FamilyFSA Carryover Limit2025 - $660 Per Year N/AFunds AvailabilityAvailable immediately Available as contributions are madeAccount OwnershipOwned by the employer and would be forfeited if employment changes. Use it or Lose it.Owned by the employer and would be forfeited if employment changes. Use it or Lose it.Rollover RulesUp to $660 in unused funds will roll over each yearNo rollover of unused fundsWhen can you change contributions?At Open Enrollment or with a Qualified Life EventAt Open Enrollment or with a Qualified Life EventQualifying ExpensesA Medical FSA covers health and medical expensesfor both you and your dependents (usually children) to promote general well-being.A Dependent Care FSA covers daycare expenses for your eligible child under 13 years of age. It can also cover costs incurred to care for an adult dependent who is incapable of self-care.FSA – Healthcare Flexible Spending AccountAn FSA is an account set up where you contribute pre-tax money into an account to be used for routine medical, dental or vision expenses. It is considered a “use it or lose it” plan so make elections wisely. DCA – Dependent Care Flexible Spending AccountA DCA is an account set up where you contribute pre-tax money into an account to be used for daycare expenses for your dependents under the age of 13 so that you may work or look for work. Steele Auto Group will now offer a Healthcare Flexible Spending Account and a Dependent Care Flexible Spending Account as options for employees who are interested in the tax savings available through participation in these plans. Page 13

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HealthCare Flexible Spending Account"We have HRA, FSA and COBRA with Flores.I just wanted to let you know how pleased we are, working with Katlin on our account.When I call in with any questions or issues, Katlin is very knowledgeable and always so helpful.I feel very comfortable and conﬁdent with her as our Account rep.I wish we had other Accounts reps as professional as her. "- Amy McNeil, HR Generalist, Graystone Eye - A health care exible spending account (HCFSA) offers plan participants the ability to pay for common health expenses on a pre-tax basis and experience tax savings ranging from 25-40% on the dollars contributed to the plan. Flores offers service excellence, an innovative proprietary technology platform, and compliance support to simplify administration of FSA benet plans for employers and provides a benets experience plan participants will enjoy.PO Box 31397Charlotte, NC 28231800.532.3327ﬂores-associates.comFROM OUR CLIENTS: THE FLORESDIFFERENCEPLAN FEATURES:An assigned account manager•Per pay period reconciliation of contributions for accounting integrity with ﬂexible funding options•Daily quality assurance audits •Employer web portal for real-time participant updates and on demand reporting •Participant web portal for claims ﬁling and online account management •Debit card and claims reimbursement included with direct deposit option•e-Status notiﬁcation system to notifyparticipants of claim and account status•Flores Mobile app for mobile claims ﬁling andaccount details•Employer FICA savings on participantcontributions•Standard plan documents provided•Annual Non-Discrimination Testing Included•ALLOWABLE EXPENSES INCLUDE*:Co-payments, deductibles and other out of pocket expenses related to medically necessary servicesPrescriptionsDental and vision servicesOver-the-counter medications and suppliesMenstrual care items* Enrollment in a healthcare FSA will impact HSA eligibility unless the healthcare FSA is limited to dental, vision, and post-deductible expenses.HEALTH CARE FLEXIBLE SPENDING ACCOUNTPage 14

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The dependent care exible spending account (DCFSA) offers plan participants the opportunity to realize signicant tax savings, ranging from 25-40%, on expenses incurred for the care of qualied dependents. The Flores easy claim ling process delivers reimbursement funds quickly to optimize the participant experience while the signature Flores e-Status system keeps participants informed of claim and reimbursement activity.PLAN FEATURES:An assigned account manager•Per pay period reconciliation of contributions for accounting integrity•Weekly balance reports to the employer•Daily quality assurance audits•Employer web portal for real-time participant updates and on demand reporting•Participant web portal for claims ﬁling and online account management•Easy dependent care reimbursement process with direct deposit option•Daily claims reimbursements•e-Status notiﬁcation system to notifyparticipants of claim and account status•Claims ﬁling and balance reminders toparticipants•Flores Mobile app for mobile claims ﬁling•Employer FICA savings on participantcontributions•DEPENDENT CARE FLEXIBLE SPENDING ACCOUNTTo request a proposal or obtain more information about Flores' FSA administration services, please contact your business development partner via email or by phone at (800) 532-3327."Thank you for the rapid correspondence and clear communication.Excellent customer service and professionalism...Once again pinnacle service."- Dependent Care FSA Participant Feedback to an Account Manager -FROM A PARTICIPANT: SERVICE EXPERIENCEﬂores-associates.com800.532.3327PO Box 31397Charlotte, NC 28231Page 15

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ENROLL IN ELIGIBLE BENEFIT PLANYour employer offers the Flores Benefits Card to employees who enroll in an eligible benefit plan. The card will allow you to pay for eligible expenses at participating providers at the time services are rendered, thus eliminating or reducing your out-of-pocket cost at the time of the purchase or service. RECEIVE YOUR FLORES BENEFITS CARDYour Flores Benefits Card will be mailed upon your enrollment in an eligible benefit plan. No activation is required, but you should review the Cardholder Agreement included in this mailing, and then sign the back of your card.PROPER USE & ACCOUNT MANAGEMENTYou will be able to view and manage your account on the Flores Web Portal, www.flores247.com. You should keep your receipts and invoices for payments made with your Flores Benefits Card, as you may be required to provide documentation to Flores to verify the eligibility of certain transactions. If requested, you may submit your documentation to Flores by uploading it to your online account, uploading using the Flores Mobile App, or sending it by fax or mail.123Recordkeeping Tip: Most payments will be automatically substantiated at the point of the transaction. Flores will only ask you to provide a copy of your receipts when substantiation is required per IRS guidelines. Establish a physical location where you will keep all receipts for your Flores Benefits Card purchases. Regardless of your position with your company, every employee will be treated the same in regard to IRS plan administration guidelines. No exceptions will be made.If you are asked to provide a receipt, it must include: • name of provider or merchant• descripon of service oritem purchased• date of service• your out-of-pocket responsibilityItems such as handwritten explanations, Card transaction receipts or previous balance receipts cannot be used to verify an expense. If you do not have the receipt, you can contact the provider who can usually supply the receipt from their files.FLORES BENEFITS CARDPage 17

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Dental benefits are offered through BlueCross BlueShield of Texas. Dental PPO plans allow you to choose the dentist you want; your costs will be less when you utilize a BlueCare Dental network dentist.FIND A NETWORK PROVIDER: www.bcbstx.com All benefits accumulate on a calendar year basis and start over each January 1st.PPO Plan(you pay)Calendar Year Deductible(Individual/Family) Three Month Deductible Carry-Over Applies$50 / $150Calendar Year Maximum Benefit (per person)$1,500Preventive Services Exams, cleanings, sealants, X Rays0% - no deductibleBasic ServicesFillings, extractions, periodontics, endodontics20% after deductibleMajor ServicesCrowns, Bridges, Root Canals, Surgical Extractions50% after deductibleOrthodontia Services Not coveredReasonable & Customary for Out-of-Network Benefits90th percentile reimbursement*Out-of-Network reimbursement is based on a negotiated fee schedule, which may result in higher out-of-pocket expenses if you choose a non-network provider.Pay Period Contributions Semi-Monthly (24)Employee Only$5.68Employee/Spouse$20.66Employee/Child(ren)$24.94Employee/Family$39.93Dental - PPO Plan and RatesPage 18

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Vision In-Network (you pay) Out-of-Network (reimbursement)Schedule for Exams (frequency) Once every 12 monthsPayment Amount for Exams $10 copay Up to $30Schedule for Lenses or Contact LensesOnce every 12 monthsPayment Amount for LensesSingleBifocal TrifocalLenticularStandard Progressive$25 copay$25 copay$25 copay$25 copay$90 copayUp to $25Up to $40Up to $55Up to $55Up to $40Contact Lenses (in lieu of glasses)Conventional $0 copay up to $150 Allowance Up to $120Disposable $0 copay up to $150 Allowance Up to $120Medically Necessary – (individuals whose vision cannot be corrected with glasses)$0 copay – paid in full Up to $210Frames $0 copay up to $150 Allowance Up to $75Schedule for Frames (frequency) Once every 24 monthsVision - Plan and RatesVision insurance helps pay the cost of eye exams, and necessary lenses and frames, if prescribed. The vision plan is through BlueCross BlueShield of Texas, utilizing the EyeMed network.Benefits will be paid at a higher level when utilizing a provider in the EyeMed network.FIND A NETWORK PROVIDER: www.bcbstx.com All benefits accumulate on a 12 months basis from date of service.Pay Period Contributions Semi-Monthly (24)Employee Only$3.69Employee/Spouse$7.00Employee/Child(ren)$7.37Employee/Family$10.83Page 19

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Voluntary Life and AD&D Employee Spouse Child(ren)Guarantee Issue$100,000 to age 69$50,000 age 70+$25,000 $10,000Benefit Increments $10,000 $5,000 N/AMaximum Benefit $500,000 $100,000 $10,000Age ReductionBy 35% at age 65By 60% at age 70By 80% at age 75 By 35% at age 65 By 60% at age 70 By 80% at age 75N/AVoluntary Life and AD&DSteele Auto Group provides all full-time employees with $10,000 of Basic Life and AD&D coverage at no cost through Reliance Standard. The amount of coverage reduces at age 65, 70, and 75.If the loss of life is the result of an accident, your beneficiary will receive double payment under this policy. The dismemberment provision has a scheduled payment of benefits to you for bodily dismemberment, such as loss of an arm or foot, loss of eyesight or hearing.You may purchase Voluntary Life and AD&D for yourself, your spouse and/or your dependent child(ren). You must elect coverage for yourself in order to elect for any dependents. Optional Life is paid for via payroll deductions on an after-tax basis. Cost is based on your age/your spouse’s age and the amount you elect. The enrollment counselor will have the costs for you.During your new-hire enrollment period, you may elect Voluntary Life and AD&D up to the Guaranteed Issue amount. Additional coverage requires an Evidence of Insurability form (medical questions). For late entrants or to increase your benefit amount, an Evidence of Insurability form (medical questions) is required. Approval is subject to medical underwriting. Please see HR for information and the required form.Beneficiary DesignationYour beneficiary is the person who will receive your Life and AD&D insurance benefits in the event of your death. It is important that your beneficiary designation be clear so that there will be no questions as to your meaning. You can change your beneficiaries at any time during the year. Life and Accidental Death & DismembermentPage 20SPECIAL OPEN ENROLLMENT FOR 1/1/2025: During this Open Enrollment period, you may enroll yourself and dependent(s) up to the Guarantee Issue amount with no medical questions regardless if enrolled previously. ----->

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Short Term Disability – All Employees – No Cost to YouPercentage of Income Replaced 60% to $1,500 per weekElimination Period (before benefits begin) 7 days for accident & illnessMaximum Benefits Duration Up to 12 weeksPre-existing Limitations No Pre-Existing LimitationsVoluntary Long Term DisabilityPercentage of Income Replaced 60% to $7,500 per monthElimination Period (before benefits begin) 90 daysMaximum Benefits DurationBenefits continue until you are no longer disabled or based on your normal retirement agePre-existing LimitationsPre-existing conditions are not covered for 12 months from your effective date.A pre-existing condition means any injury or sickness for which you incurred expenses, received medical treatment, care or services, including diagnostic measures, or took prescribed drugs or medicines within the 3 months immediately prior to your effective date. Disability insurance provides you with income protection should you become unable to work due to an injury or illness. With disability coverage, you receive a portion of your lost income. Steele Auto Group provides Short Term Disability coverage at no cost to the employee with the following benefits: DisabilityLong Term Disability provides coverage for disabilities that extend longer than the maximum STD benefit period. This is voluntary coverage, and cost is based on your age and salary.During your new-hire enrollment period, you may elect Long Term Disability coverage without having to provide proof of good health. If you decline this coverage and wish to enroll later, you will be considered a late entrant and will have to submit proof of good health; coverage may or may not be approved.Page 21

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Employee / Spouse AgeLife and AD&D Rate per $1,00018-24 0.10725-29 0.10730-34 0.10735-39 0.11740-44 0.17745-49 0.23750-54 0.36755-59 0.57760-64 0.79765-69 1.33770-74 3.01775-99 7.1271 2 3 Monthly CostEmployee $_______,000divide by $1,000= $________multiply by $________ = $_____Spouse $_______,000divide by $1,000 = $________multiply by $________ = $_____Child(ren)* $10,000 N/A $2.17/month = $_____Total Cost = $_____1. Enter the coverage amount you want (see Vol Life page).2. Divide the amount by 1,000.3. Multiply by the appropriate rate. Use the chart on the rightto find the rate based on your age and your spouse's age.4. Enter monthly cost.1. Enter your Monthly Earnings - maximum of $12,500.2. Divide that amount by 100.3. Multiply by the appropriate rate. Use table to find the rate based on your age.4. Enter monthly cost.AgeRate per $100 of covered payrollLTD Rate per $10018-24 $0.07025-29 $0.13030-34 $0.23035-39 $0.35040-44 $0.62045-49 $0.81050-54 $1.15055-59 $1.55060-64 $1.25065-69 $0.84070-74 $0.61075-99 $0.610Earnings $__________Divide by 100 $__________Multiply by Rate $__________Monthly Cost $__________Voluntary Rate CalculationsVoluntary Life and AD&DVoluntary Life and AD&D Chart (step 3)Voluntary Long Term DisabilityVoluntary LTD Chart (step 3)Tip: To get your age, subtract your birth year from 2025Page 22

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Life Co a c hing Life Management Medical Advocacy Personal Assistant Le g a l Co nsulta tio n Fina nc ial Co nsulta tio n Me nt a l He a lth Se ssio ns Member Portal and App Contact ACI Specialty Benefits855 -RSL-HELPrsli@acieap.comhttp://rsli.acieap.comCompany Code: RSLI859To provide information and referrals when seeking childcare, adoption, special needs support, eldercare, housing, transportation, education, and pet care. Up to 3 sessions* to help manage stress, anxiety and d e p re s s io n , re s o lve c o n flic t , im p ro ve re la t io n s h ip s , overcome substance abuse and address any personal iss u e s , w it h o p t io n s fo r in -person, telephonic, or video counseling sessions.To h e lp re a c h p e rs o n a l a n d p ro fe s sio n a l g o a ls , m a n a g e life transitions, overcome obstacles, strengthen relationships, and build balance. To help manage everyday tasks and give back time by providing inform ation and referrals for hom e services, repairs, travel, entertainment, dining and personal services.To help navigate insurance, obtain doctor referrals, secure medical equipment or transportation, and plan for transitional care and discharge.Reach out to your Assistance Program for short-term counseling, fin a n c ia l c o a c h in g , c a re g ivin g re fe rra ls a n d a w id e ra n g e o f w e ll-being benefits to reduce stress, improve mental health and make life easier. Th e fo llo w in g s e rv ic e s a re fre e t o u se , c o n fid e n t ia l, a n d a v a ila b le t o you and your family members:Access your benefits 24/ 7/365 with online requests and chat options, and explore thousands of articles, webinars, podcasts and tools covering total well-being.To h e lp b u ild fin a n c ia l w e lln e s s related to budgeting, buying a home, p a yin g off debt, managing taxes, preventing id e n t ify theft, and s a vin g fo r retirement or t u it io n .EAP benefits a re free of charge, 10 0 % c o n fid e n t ia l, a va ila b le to a ll fa m ily members regardless of lo c a tio n , and e a s ily a c c e s s ib le through A C I’s 24/ 7, live -answer, t o ll-fre e number.EAP services are provided by ACI Specialty Benefits, under agreement with Reliance Standard Life Insurance Company.Reliance Standard Life Insurance Company is licensed in all states (except New York), the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Guam. In New York, insurance products and services are provided through First Reliance Standard Life Insurance Company, Home Office: New York, NY. Product availability and features may vary by state.*3 Se s s io n s p e r S ix Mo n t h s fo r C a lifo rn ia Em p lo y e e sPowered byRS-2 50 6 ( 12 / 2 0 2 1)Life comes with challenges. Your Assistance Program is here to help. To h e lp re a c h p e rs o n a l a n d p ro fe s sio n a l g o a ls , m a n a g e life transitions, overcome obstacles, strengthen relationships, and build balance. (855-775-4357)Page 23

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Confidential and ProprietaryThrough your group coverage with Reliance Standard, you automatically receive travel assistance services provided by On Call International (On Call), pursuant to an agreement between Reliance Standard and On Call. On Call is a 24-hour, toll-free service that provides a comprehensive range of information, referral, coordination and arrangement services designed to respond to most medical care situations and many other emergencies you may encounter when you travel. On Call also offers pre-trip assistance including passport/visa requirements, foreign currency and weather information. The following is an outline of the On Call emergency travel assistance service program. For a complete description of all services and the program terms and limitations, please request a Description of Covered Services from your employer. Covered ServicesWhen traveling more than 100 miles from home or in a foreign country, On Call offers you and your dependents the fo llo win g se rvice s:Pre-Trip Assistance• Inoculation requirements information• Passport/visa requirements• Currency exchange rates• Consulate/embassyreferral• Health hazard advisory• Weather informationEmergency Medical Transportation* • Emergency evacuation• Me d ica lly necessary repatriation• Vis it by fa m ily member or frie n d• Re t ur n of tra ve lin g companion• Re t u r n of dependent ch ild re n• Ret u rn of ve h icle• Re t u r n of mortal remainsHow It WorksAt any time before or during a trip, you may contact On Call for emergency assistance services. It is recommended that you keep a copy of this summary with your travel documents. Simply detach the wallet card below to ensure convenient access to the On Call phone numbers.TO REACH ON CALL VIA INTERNATIONAL CALLING: Go to http://www.att.com/esupport/traveler.jsp?group=tips for complete d ia lin g instructions. It is recommended that yo u do t h is prior to departing the US, fin d the access code fro m thecountry you will be visiting, and note it on the cut-out card below so you will have the information readily available in case of an emergency. ( AT & T provides En glis h -speaking operators and the a b ilit y to p la ce co lle ct ca lls to On Ca ll, whereas lo ca lproviders may encounter d ifficu lt y p la cin g co lle ct c a lls to the US.)24-Hour TravelAssistance ServicesEmergency Personal Services• Urgent message relay• Interpretation/translation services• Emergency travel arrangements• Recovery of lost or stolen luggage/personal possessions• Legal assistance and/or bail bondMedical Services Include:• Medical referrals for local physicians/dentists• Medical case monitoring• Prescription assistance and eyeglasses replacement• Convalescence arrangements*The services listed above are subject to a maximumcombined single limit of $250,000. Return of vehicle iss u b je ct to $ 2,500 m a xim u m lim it .Administered byProvided with your beneﺋ ts coverage through On Call International is not aا liated with Reliance Standard Life Insurance Company or First Reliance Standard Life Insurance Company. Reliance Standard is not responsible for the content of the On Call travel assistance services, and is not responsible for, and cannot be held liable for, any services provided or not provided by On Ca ll.Relia n ce Sta nd a r d Life In su ra n ce Com p a n y is lice ns e d in a ll sta t e s (e xce pt Ne w Yo rk), th e Dist rict o f Co lu m b ia , Pu e rto Rico , the U.S. Virgin Islands and Guam. In New York, insurance products and services are provided through First Reliance Standard Life Insurance Company, Home Oا ce: New York, N Y.On Call is not responsible for the unavailability or results of any medical, legal or transportation services. You are respons ib le for obtaining all services not directly provided by On Call and for the expenses associated with them. Travel assistance services are provided by On Call Internationa l Page 24

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Step 1: Log InGo to www.employeenavigator.com and click Login• Returning users: Log in with the username and password youselected. Click Reset a forgotten password.• First time users: Click on your Registration Link in the email sent toyou by your admin or Register as a new user. Create an accountand create your own username and password.Company ID: Steele Auto GroupStep 2: Welcome!After you login click Let’s Begin to complete your required tasks.Step 4: Start EnrollmentsAfter clicking Start Enrollment, you’ll need to complete some personal & dependent information before moving to your benefitelections.T I PHave dependent details handy. To enroll a dependent in coverage you will need their date of birth and Social Security number.Step 3: Onboarding (For first time users, if applicable) Complete any assigned onboarding tasks before enrolling in your benefits. Once you’ve completed your tasks click Start Enrollment to begin your enrollments.T I Pif you hit “Dismiss, complete later” you’ll be taken to your Home Page. You’ll still be able to start enrollment again by clicking “StartEnrollments”Steps to enroll in your benefitsAccess to Employee Navigator is available to all employees. The Benefits Guide, benefit plan summaries, and a summary of elected coverages is available through the Employee Navigator portal. Follow the instructions below to obtain access. If you are a newly-hired employee, follow the steps to register and elect benefits.Page 26

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You can login to review your benefits 24/7Step 7: Review & Confirm ElectionsReview the benefits you selected on the enrollment summarypage to make sure they are correct then click Sign & Agree tocomplete your enrollment. You can either print a summary of your elections for your records or login at any point during the year to view your summary online.T I PIf you miss a step, you’ll see Enrollment Not Complete in the progress bar with the incomplete steps highlighted. Click on any incomplete steps to complete them.Click Save & Continue at the bottom of each screen to save yourelections.If you do not want a benefit, click Don’t want this benefit? at the bottom of the screen and select a reason from the drop-downmenu.Step 6: FormsIf you have elected benefits that require a beneficiary designation, Primary Care Physician, or completion of an Evidence of Insurability form, you will be prompted to add in thosedetails.Step 5: Benefit ElectionsTo enroll dependents in a benefit, click the checkbox next to thedependent’sname under Who am I enrolling?Below your dependents you can view your available plans and the cost per pay. To elect a benefit, click Select Plan underneath the plan cost.Steps to enroll in your benefits…cont.Step 8: HR Tasks (if applicable) To complete any required HR tasks, click START TASKS. If your HR dept has not assigned any tasks, you are finished! Page 27

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Benefits Concierge A resource for employees to answer questions related to enrollment, benefits, ID cards or logging into the insurance portals. Always a good starting point when employees need assistance. If more in-depth service related to claims, billing, or providers is needed, the Concierge will enlist assistance for the member from the Health Advocate.CoinsuranceYour share of the costs of a covered medical service (typically after the deductible is met) calculated as a percent of the allowed amount for the service. For example, if your plan has a 30% coinsurance rate, the Carrier will pay 70% of the allowed amount while you pay 30% until you reach the Out-of-Pocket Maximum.CopaymentA fixed amount that you pay at the time of service. Copays are most common for doctor office visits, urgent care visits, emergency room, and prescription drugs. In some cases, you may be responsible for paying a copay as well as percentage of the remaining charges.DeductibleThe amount you pay before the insurance carrier starts sharing the expense of your medical care. Major medical expenses such as inpatient/outpatient surgeries, MRIs, and CT scans typically apply to the deductible.Explanation of Benefits (EOB)Commonly referred to as an "EOB". The EOB is an extremely useful document as it explains how the insurance carrier processed your claim. It shows the billed charges from the provider, the network discount applied, and what the resulting Negotiated Rate is. ( Provider Charge - Network Discount = Negotiated Rate ) It also shows whether the service was applied to your deductible or paid as a copay. It is not a bill, but merely an explanation of how the insurance carrier paid your claim.Health Pro – Health AdvocacyA valuable resource for employees who have escalated claims issues, billing problems or need detailed information on network providers. The Health Pro will analyze bills and EOBs, negotiate with providers, recommend lower cost drug options and will even make appointments for members. In-Network ProviderA provider who has a contract with your health insurer or plan to provide services to you at a discount and have agreed to accept reduced fees for services provided to plan members. Using in-network providers will cost you less money. Negotiated/Contracted RateWhen a Provider (doctor, facility, pharmacy or hospital) contracts with an insurance carrier, they are considered In-Network. Part of the contract states that the provider will accept a lower payment (lower than what they normally charge) from the insurance carrier as payment in full. This lower payment is the Negotiated Rate.Out-of-Pocket MaximumThe most you will pay for covered medical expenses during your deductible period and then coverage is 100% for the remainder of the year. Preferred Provider Organization (PPO)A PPO is a type of insurance network where you may choose to obtain care in or out of your network. If you choose to visit a "Preferred" or "In-Network" provider, your out-of-pocket expenses will be significantly less than if you visit a provider outside your network. Network providers agree to accept set, contracted rates as payment in full for their services in return for being part of the insurance carrier's Preferred Provider network.Preventive CareMedical treatments performed with the intention of preventing a health issue. For example, vaccinations and age-appropriate screenings are typically considered to be preventive. TermsPage 28

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Deductions per year: 12Group Accident for TXApplicable to policy forms GACC1.0-P & GACC1.0-ClOn/Off-Job Accident CoveragePreferredISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY17-99 $14.93 $24.64 $28.56 $38.27Group 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 $9.50 $17.10 $13.55 $21.1550-59 $12.30 $24.40 $16.35 $28.4560-64 $17.20 $35.80 $21.25 $39.8565-99 $24.10 $50.10 $28.15 $54.15HOSPITAL CONFINEMENT LEVEL ISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE PARENT FAMILY TWO PARENT FAMILYLevel 4: $200017-49 $18.90 $34.00 $26.95 $42.0550-59 $24.50 $48.60 $32.55 $56.6560-64 $34.30 $71.40 $42.35 $79.4565-99 $48.10 $100.00 $56.15 $108.05Group Critical Care for TXApplicable to policy forms GCC1.0-P & GCC1.0-ClFull CI Benefit, with Subsequent Diagnosis, Diagnosis of Cancer Benefit, $50 Health Screening BenefitNon-Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$15,000 16-29 $8.30 $12.60 $9.05 $13.3530-39 $13.55 $20.40 $14.30 $21.1540-49 $24.95 $37.50 $25.85 $38.4050-59 $43.25 $66.00 $44.15 $66.9060-74 $67.85 $103.50 $68.75 $104.40$30,000 16-29 $13.70 $20.70 $15.20 $22.2030-39 $24.20 $36.30 $25.70 $37.8040-49 $47.00 $70.50 $48.80 $72.3050-59 $83.60 $127.50 $85.40 $129.3060-74 $132.80 $202.50 $134.60 $204.30Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$15,000 16-29 $11.60 $17.55 $12.50 $18.3030-39 $19.55 $29.25 $20.30 $30.0040-49 $37.70 $56.70 $38.60 $57.6050-59 $66.80 $102.45 $67.70 $103.3560-74 $107.90 $165.00 $108.80 $166.05Page 1 of 2Underwritten by Colonial Life & Accident Insurance CompanySee page 2 for Important Notice

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Group Critical Care for TXApplicable to policy forms GCC1.0-P & GCC1.0-ClFull CI Benefit, with Subsequent Diagnosis, Diagnosis of Cancer Benefit, $50 Health Screening BenefitTobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$30,000 16-29 $20.30 $30.60 $22.10 $32.1030-39 $36.20 $54.00 $37.70 $55.5040-49 $72.50 $108.90 $74.30 $110.7050-59 $130.70 $200.40 $132.50 $202.2060-74 $212.90 $325.50 $214.70 $327.60Important 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.© 2022 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 2 of 2Underwritten by Colonial Life & Accident Insurance CompanySee page 2 for Important NoticeScan QR Code Below to View Product Brochures:

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For more information, talk with your benefits counselor.Group Accident InsurancePreferred PlanColonialLife.comGAC4000 – PREFERRED PLANNobody expects an accident to happen. But if it does, your main focus should be on recovery, not how you’re going to pay your bills. Colonial Life accident insurance provides benefits directly to you to use however you like – from medical costs to everyday expenses. Whether it's a fall or a car accident, your benefits oer support when you need it.Benefits are per covered person per covered accident unless stated otherwiseAccident emergency treatment ................................................................................................$150 One visit per covered person per covered accident and Up to four visits per covered person per calendar yearAccident follow-up doctor visit ..................................................................................................$50Up to four visits per covered person per covered accident andUp to 16 visits per covered person per calendar yearAccidental death Accidental deathPer covered person Accidental death common carrier¾ Named insured .....................................................................$50,000 .................. $200,000¾ Spouse ...............................................................................$50,000 .................. $200,000¾ Dependent child(ren) .............................................................. $10,000 ....................$40,000Examples of common carriers are mass transit trains, buses and planesAccidental dismembermentLoss or loss of use¾ One hand, arm, foot, leg or sight of an eye ......................................................................... $9,000¾ Both hands, arms, feet, legs or the sight of both eyes; or any combination ................................ $18,000¾ One finger or one toe ................................................................................................... $ 1,050¾ Two or more fingers; two or more toes; or any combination ................................................... $2,100Air ambulance .................................................................................................................. $1,500 Transportation to or from a hospital or medical facilityAmbulance (ground).............................................................................................................. $300 Transportation to or from a hospital or medical facilityAppliance aid in personal locomotion or mobility ......................................................................... $100Walking boot, neck brace, back brace, leg brace, cane, crutches, walker and wheelchairBlood/plasma/platelets .........................................................................................................$400 Required during treatment of a covered accidentBurn¾ 2nd-degree burns (covering at least 36% of the body’s surface) ..................................................$1,000¾ 3rd-degree burns (based on size) ......................................................................... $2,000 – $15,000Burn–skin gra ...................................................................................50% of applicable burn benefitAs a result of 2nd-degree or 3rd-degree burns

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

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

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For more information, talk with your benefits counselor.Group Hospital Indemnity InsurancePlan 2ColonialLife.comGroup Medical BridgeSM 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.£ Diagnostic procedure .................................................................. $_______________ per dayMaximum of one day per covered person per calendar year£ Outpatient surgical procedure¾ Tier 1 .................................................................................... $_______________ per day¾ Tier 2 .................................................................................... $_______________ per dayMaximum of $________________ per covered person per calendar year for Tier 1 and 2 combined Maximum of one day per outpatient surgical procedureGMB7000 – PLAN 2Diagnostic proceduresThe following is a list of common diagnostic procedures that may be covered if the diagnostic procedure benefit is selected.  Breast– Biopsy (incisional, needle, stereotactic)  Cardiac– Angiogram– Arteriogram– Thallium stress test– Transesophageal echocardiogram (TEE)  Diagnostic radiology– Computerized tomography scan (CT scan)– Electroencephalogram (EEG)– Magnetic resonance imaging (MRI)– Myelogram– Nuclear medicine test– Positron emission tomography scan (PET scan)  Digestive– Barium enema/lower GI series– Barium swallow/upper GI series– Esophagogastroduodenoscopy (EGD)  Ear, nose, throat, mouth– Laryngoscopy  Gynecological– Amniocentesis– Cervical biopsy– Cone biopsy– Endometrial biopsy  Liver– Biopsy  Lymphatic– Biopsy  Miscellaneous– Bone marrow aspiration/biopsy  Renal– Biopsy  Respiratory– Biopsy– Bronchoscopy– Pulmonary function test (PFT)  Skin– Biopsy– Excision of lesion  Thyroid– Biopsy  Urologic– Cystoscopy– Hysteroscopy– Loop electrosurgical excisional procedure(LEEP)1,000 or 2,0005001,000

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ColonialLife.com©2016 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. 6-16 | 101732* Colonoscopy must result in polyp removal or be recommended by a physician for the purposes of treating or diagnosing a sickness.If a covered family member has a qualified high deductible health plan (HDHP) and actively contributes to a health savings account (HSA), their HSA can be disqualified with this coverage. THIS POLICY PROVIDES LIMITED BENEFITS.PRE-EXISTING CONDITION LIMITATION 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. 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.This information is not intended to be a complete description of the insurance coverage available. This coverage has exclusions and limitations that may aect benefits payable. For cost and complete details, see your Colonial Life benefits counselor. This brochure is applicable to policy forms GMB7000-P and GMB7000-P-TX. Coverage may vary by state and may not be available in all states.  Breast– Breast reconstruction– Breast reduction  Cardiac– Angioplasty– Cardiac catheterization  Digestive– Exploratory laparoscopy– Laparoscopic appendectomy– Laparoscopic cholecystectomy  Ear, nose, throat, mouth– Ethmoidectomy– Mastoidectomy– Septoplasty– Stapedectomy– Tympanoplasty  Eye– Cataract surgery– Corneal surgery (penetrating keratoplasty)– Glaucoma surgery (trabeculectomy)– Vitrectomy Tier 2 outpatient surgical procedures Gynecological– Hysterectomy– Myomectomy  Musculoskeletal system– Arthroscopic knee surgery with meniscectomy(knee cartilage repair)– Arthroscopic shoulder surgery– Clavicle resection– Dislocations (open reduction with internal fixation)– Fracture (open reduction with internal fixation)– Removal or implantation of cartilage– Tendon/ligament repair  Thyroid– Excision of a mass  Urologic– LithotripsyThe procedures listed below are only a sampling of the procedures that may be covered if the outpatient surgical procedure benefit is selected. Procedures must be performed by a doctor in a hospital or ambulatory surgical center. For complete details and definitions, refer to your certificate.Tier 1 outpatient surgical procedures Breast– Axillary node dissection– Breast capsulotomy– Lumpectomy  Cardiac– Pacemaker insertion  Digestive– Colonoscopy* – Fistulotomy– Hemorrhoidectomy– Lysis of adhesions  Ear, nose, throat, mouth– Adenoidectomy– Removal of oral lesions– Myringotomy– Tonsillectomy– Tracheostomy– Tympanotomy  Gynecological– Dilation and curettage (D&C)– Endometrial ablation– Lysis of adhesions  Liver– Paracentesis  Musculoskeletal system– Carpal/cubital repair or release– Foot surgery (bunionectomy, exostectomy, arthroplasty, hammertoe repair)– Removal of orthopedic hardware– Removal of tendon lesion  Skin– Laparoscopic hernia repair– Skin graing

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ColonialLife.comGroup Hospital Indemnity InsuranceExclusions and LimitationsGMB7000 – EXCLUSIONS AND LIMITATIONSGeneral exclusions We 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 covered person’s:  Addiction to alcohol or drugs, except for drugs taken as prescribed by his physician.  Treatment for dental care or dental procedures, unless treatment is the result of a covered accident.  Undergoing elective procedures or cosmetic surgery. This includes procedures or hospital confinement for complications arising from elective or cosmetic surgery. This does not include congenital birth defects or anomalies of a child, or reconstructive surgery related to a covered sickness or injuries received in a covered accident.  Committing or attempting to commit a felony, or engaging in an illegal occupation.  Having a disorder including but not limited to aective disorders, neurosis, anxiety, stress and adjustment reactions. Alzheimer’s disease and other organic senile dementias are not considered mental or nervous disorders. This exclusion does not apply to inpatient mental and nervous benefit, if included.  Dependent child’s pregnancy, including services rendered to her child aer birth.  Committing or trying to commit suicide or his injuring himself intentionally, whether he is sane or not.  Being exposed to war or any act of war, declared or undeclared, or serving in the armed forces of any country or authority. Losses as a result of acts of terrorism or nuclear release committed by individuals or groups will not be excluded from coverage unless the covered person who suered the loss committed the act of terrorism or nuclear release.Hospital confinement limitationsWe will not pay benefits for hospital confinement or daily hospital confinement, if included, due to any covered person giving birth within the first nine (9) months aer the coverage eective date of the certificate as a result of a normal pregnancy, including cesarean. Complications of pregnancy will be covered to the same extent as any other covered sickness.KS – no birth limitation. TN – adds that complications of pregnancy are those conditions, requiring treatment, whose diagnoses are distinct from pregnancy but are adversely aected by pregnancy or caused by pregnancy. These include, but are not limited to, acute nephritis, nephrosis, cardiac decompensation, missed abortion and similar medical and surgical conditions of comparable severity. This does not include false labor, morning sickness, hyperemesis gravaidarum, and similar conditions associated with the management of a diicult pregnancy.VA – adds that pregnancy resulting from the act of rape of any covered person, which was reported to the police within seven days following its occurrence, will be covered to the same extent as any other covered accident. The seven-day requirement will be extended to 180 days in the case of an act of rape or incest of a female under 13 years of age. We will not pay benefits for hospital confinement or daily hospital confinement, if included, of a newborn child following his birth unless he is injured or sick.AR – no well baby care limitation.CA – well baby care limitation has special wording that diers from language above. MD – no well baby care limitation.

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12-16 | 101733-1©2016 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.This information is not intended to be a complete description of the insurance coverage available. This coverage has exclusions and limitations that may aect benefits payable. For cost and complete details, see your Colonial Life benefits counselor. This brochure is applicable to policy forms GMB7000-P (including state abbreviations, where used, for example: GMB7000-P-TX). Coverage may vary by state and may not be available in all states.Additional state-specific exclusions and limitationsIn the following states, we will not pay any benefits for injuries or sicknesses which are caused by, contributed to by or occur as a result of the covered person’s:AK, LA, MS and TX – being intoxicated or under the influence of any narcotic unless administered on the advice of his doctor/physician. This replaces the alcoholism or drug addiction exclusion above.AR – having a disorder including neurosis, psychoneurosis, psychopathy, psychosis, or mental or emotional disease or disorder of any kind. Alzheimer’s disease and other organic senile dementias are not considered mental or nervous disorders. This exclusion does not apply to inpatient mental and nervous benefit, if included. CA – We will not pay any benefits for injuries or sicknesses which are caused by, contributed to by or occurs as a result of the covered person’s: having a treatment for dental care or dental procedures, unless treatment is the result of a covered injury. Intoxicants and Controlled Substances exclusion has been added and means any covered person being intoxicated or under the influence of any controlled substance unless administered on the advice of a physician. Suicide exclusion has special language. DE – no alcoholism or drug addiction exclusion. KS – being intoxicated or under the influence of any narcotic unless administered on the advice of his physician. This replaces the alcoholism or drug addiction exclusion above. The war or armed conflict exclusion is defined as: being exposed to war or any act of war, declared or undeclared, or serving in the armed forces of any country or authority. KY – being intoxicated or under the influence of any narcotic or any hallucinogenic unless administered on the advice of his physician. This replaces the alcoholism or drug addiction exclusion above.MD – no alcoholism or drug addiction exclusion; no felonies or illegal occupations exclusions; no birth limitation. MD’s elective procedures and cosmetic surgery adds the treating provider, acting inde-pendently from us, shall determine whether a procedure is elective or cosmetic. Pregnancy or a depen-dent child adds: However, complications of pregnancy of a dependent child will be covered to the same extent as any other covered sickness. Prohibited Practitioner Referral means the policy will not provide payment of any claim, bill, or other demand or request for payment for health care service provided as a result of a referral prohibited by the Health Occupation Article. MD’s suicide exclusion is defined as com-mitting or trying to commit suicide or his injuring himself intentionally, while sane or insane. The war or armed conflict exclusion is defined as: being exposed to war or any act of war, declared or undeclared, or serving in the armed forces of any country or authority.MO – addiction to drugs, except for drugs taken as prescribed by his physician; and participating or attempting to participate in illegal activities. This replaces the alcoholism and drug addiction, and felonies or illegal occupations exclusions above. MO’s pregnancy of a dependent child exclusion adds that complications of pregnancy will be covered to the same extent as any other covered sickness. MO’s suicide exclusion is defined as committing or trying to commit suicide or his injuring himself intentionally, while sane.NE – commission of or attempting to commit a felony or to which a contributing cause was the covered person engaging in an illegal occupation. This replaces the felonies or illegal occupations exclusion aboveOH – no pregnancy of a dependent child exclusion. The birth limitation is the first 270 days aer the chronic energy deficiency (CED), rather than the first nine months.OK – being exposed to war or any act of war, declared or undeclared, while serving in the military or an auxiliary unit attached to the military or working in an area of war whether voluntarily or as required by an employer. This replaces the war exclusion above. OK’s pregnancy of a dependent child exclusion adds complications of pregnancy, including cesarean births, will be covered to the same extent as any other sickness. SD – committing a felony, or engaging in an illegal occupation. In SD, there’s no alcoholism or drug addiction exclusion. This replaces the felonies or illegal occupations exclusion above.TN – treatment for dental care or dental procedures, unless treatment is the result of a covered accident, except for covered expenses for procedures performed on a minor, eight years or younger, that cannot be safely performed in a dental oice setting. There’s no pregnancy of a dependent child exclusion. UT – being addicted to alcohol or drugs that contribute to, cause the loss, or are over the legal limit, unless you are addicted to a narcotic taken on the advice of a physician; voluntarily participating in, committing or attempting to commit a felony, or engaging in an illegal occupation; having a neurosis, psychoneurosis, psychopathy, psychosis, or any other mental or emotional disease or disorder which does not have a demonstrable organic cause. This exclusion does not apply to inpatient mental and nervous benefit, if included.

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For more information, talk with your benefits counselor.Group Critical Illness InsurancePlan 2 FullIf you’re diagnosed with a covered critical illness or cancer, group critical illness insurance* from Colonial Life can help with your expenses, so you can concentrate on what’s most important – your treatment, care and recovery.*The policy name is Critical Illness and Cancer Group Specified Disease Insurance.For the diagnosis of this covered critical illness condition:1This percentage of the face amount is payable:Heart attack (myocardial infarction) 100%Stroke 100%End-stage renal (kidney) failure 100%Major organ failure 100%Coma 100%Permanent paralysis due to a covered accident 100%Blindness 100%Occupational infectious HIV or occupational infectious hepatitis B, C or D 100%Coronary artery bypass gra surgery/disease225%GROUP CRITICAL CARE PLAN 2 FULLFace amount: $_______________ Critical illness benefitSubsequent diagnosis of a dierent critical illness3If you receive a benefit for a critical illness, and later you are diagnosed with a dierent critical illness, the original percentage of the face amount is payable for that particular critical illness.Subsequent diagnosis of the same critical illness3If you receive a benefit for a critical illness, and later you are diagnosed with the same critical illness, 25% of the original face amount is payable. Critical illness conditions that do not qualify are: coronary artery bypass gra surgery/coronary artery disease2 and occupational infectious HIV or occupational infectious hepatitis B, C or D.ColonialLife.com5,000-50,000

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ColonialLife.comCovered cancer benefitsFor this condition:1The amount payable is:Diagnosis of cancer (internal or invasive) 100% of the face amountDiagnosis of carcinoma in situ 25% of the face amountSkin cancer $500Diagnosis of cancer benefitCancer vaccine benefit: ................................................................................$50This benefit is payable if you or your covered family members incur a charge for any FDA-approved cancer vaccine while your certificate is inforce.1 Please refer to the certificate for complete definitions of covered conditions. 2 Benefit for coronary artery disease applicable in lieu of benefit for coronary artery bypass gra surgery when health savings account (HSA) compliant plan is selected.3 Dates of diagnoses of a covered critical illness must be separated by at least 180 days.THIS POLICY PROVIDES LIMITED BENEFITS.Insureds in MA must be covered by comprehensive health insurance before applying for this coverage. EXCLUSIONS AND LIMITATIONS FOR CRITICAL ILLNESSWe will not pay the Critical Illness Benefit or Benefit Payable Upon Subsequent Diagnosis of a Critical Illness that occurs as a result of a covered person’s: alcoholism or drug addiction; felonies or illegal occupations; intoxicants and narcotics; psychiatric or psychological conditions; suicide or injuries which any covered person intentionally does to himself; 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 Diagnosis of Cancer Benefit, Diagnosis of Carcinoma in Situ Benefit, the Cancer Treatment and Care Benefit or the Skin Cancer Benefit for a covered person’s cancer (internal or invasive), carcinoma in situ or skin 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 cancer (internal or invasive), carcinoma in situ or skin cancer. No pre-existing condition limitation will be applied for dependent children who are born or adopted while you are covered under the policy, and who are continuously covered from the date of birth or adoption. This is not an insurance contract and only the actual certificate provisions will control. Applicable to certificate form GCC1.0-C (including state abbreviations where used, for example: GCC1.0-C-TX). The certificate or its provisions may vary or be unavailable in some states. Please see your Colonial Life benefits counselor for details.10-19 | 100361-2Underwritten 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.

Steele Auto Group - Benefit Guide

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