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Benefit Booklet 2023

Colonial Life provides benefits that employees want for the unexpected moments in life Whether planning for retirement growing their families or saving for college they know an injury or illness won t derail their dreams Life is anything but expected That s why we re here Products Accident Insurance From a fall to a car accident this coverage offers a range of benefits to help cover medical or non medical related expenses due to a covered accident Hospital Confinement Indemnity Insurance Medical Bridge Provides benefits to help cover the cost of a hospital stay and other medical procedures Disability Insurance Provides financial protection to cover income loss from a covered disability Critical Illness Insurance Provides lumpsum benefits for a covered critical illness such as a heart attack or stroke Whole Life Insurance Provides protection for a lifetime Features guaranteed level premiums and increasing cash values over time Option to increase coverage on the second fifth and eighth year of the policy s anniversary Learn more online at ColonialLife com BROKER EMPLOYER 2 23 NS 1017472

Lisa Jones Benefit Counselor Lisa Jones ColonialLifeSales com 980 662 3718 ColonialLife com The policies their names or their provisions may vary or be unavailable in some states The policies have exclusions and limitations which may affect any benefits payable For cost and complete details of coverage call or write your insurance benefits counselor or the company Insurance products are 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 BROKER EMPLOYER 2 23 NS 1017472

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

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

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

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

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

Subsequent diagnosis of a different critical illness4 If you receive a benefit for a specified critical illness and later you are diagnosed with a different specified critical illness the original percentage of the face amount is payable for that particular specified critical illness For more information talk with your Colonial Life benefits counselor Subsequent diagnosis of the same critical illness4 If you receive a benefit for a specified critical illness and later you are diagnosed with the same specified critical illness 25 of the original face amount is payable Critical illness conditions that do not qualify are cancer coronary artery bypass graft surgery disease carcinoma in situ and occupational infectious HIV or occupational infectious hepatitis B C or D Cancer vaccine benefit 50 This benefit is payable if you or your covered family members incur a charge for any FDA approved cancer vaccine while your policy is inforce ColonialLife com Specified Critical Illness Insurance and Critical Illness 1 0 are marketing names of the insurance policy filed as Limited Benefit Health Coverage for Specified Critical Illness In ME and NH the policy is called Limited Benefit Health Coverage for Specified Disease In SC the policy is an Individual Specified Disease policy In VT the policy is an Individual Limited Benefit Insurance policy 1 Please refer to the policy for complete definitions of covered conditions 2 In NH Stroke is referred to as Severe Stroke 3 Benefit for coronary artery disease applicable in lieu of benefit for coronary artery bypass graft surgery when health savings account HSA compliant plan is selected 4 Dates of diagnoses of a covered specified critical illness must be separated by at least 180 days THIS POLICY PROVIDES LIMITED BENEFITS This coverage is a supplement to health insurance It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law Insureds in some states must be covered by comprehensive health insurance before applying for this insurance EXCLUSIONS AND LIMITATIONS FOR SPECIFIED CRITICAL ILLNESS We will not pay benefits for a specified critical illness that occurs as a result of a covered person s alcoholism or drug addiction felonies or illegal occupations intoxicants and narcotics pre existing condition psychiatric or psychological condition suicide or self inflicted injuries or war or armed conflict 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 benefits payable Applicable to policy form CI 1 0 CI 1 0 PL7 CI 1 0 PL8 or CI 1 0 PL10 including state abbreviations where used for example CI 1 0 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 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 5 23 101825 4

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

Dental PPO Insurance Plan 2 1 000 100 80 50 Life is full of unexpected smiles and good oral health helps maintain them Colonial Life dental insurance helps you pay for routine and costly dental care for you and your family so you can focus on what s important POLICY DETAILS The policy year maximum benefit for this policy is 1 000 per person Class A B and C services apply toward the maximum This policy has a deductible of 50 per person per policy year for class B and C services Each covered family member pays a deductible up to a maximum of three members each policy year The co insurance for this policy is CLASS Class A Class B Class C TYPE OF SERVICE Preventive services Basic services Major services INSURANCE PAYS 100 80 50 LARGE NATIONAL NETWORK Save more with 120 000 unique providers1 Claims filed for members by providers Easy provider search on ColonialLifeDental com In house recruiting team dedicated to expanding the network How does this policy pay benefits for network and out of network care NETWORK BENEFITS Network providers have agreed to charge discounted rates for covered services You receive the benefit of discounted services and pay only your co insurance portion and any applicable deductible Plus network providers will file your claim for you so you don t have to deal with the paperwork OUT OF NETWORK BENEFITS Out of network providers haven t agreed to discounted rates and their fees may vary significantly Your policy s coinsurance may not cover the total costs of dental care and in addition to any deductible you are responsible for any remaining balance This is referred to as balance billing and only happens when you go out of network IDN8000 PLAN 2

Covered procedures and waiting periods PREVENTIVE SERVICES CLASS A NO WAITING PERIOD Routine exams and cleanings twice every 12 months One additional cleaning per 12 months if member is in second or third trimester of pregnancy2 X rays Bitewing x rays up to four films once every 12 months Children s services up to age 14 Fluoride treatment once every 12 months Sealants once every 36 months Space maintainers up to age 14 once every 24 months Oral cancer screening for age 40 once every 12 months BASIC SERVICES CLASS B NO WAITING PERIOD Full mouth panoramic x rays once every five years Fillings Simple extractions Emergency treatment MAJOR SERVICES CLASS C 12 MONTH WAITING PERIOD3 4 Oral surgery extractions and impacted teeth Anesthesia covered with complex oral surgery Repair of crowns dentures or bridges Periodontics gum treatments Endodontics root canals Inlays and onlays Crowns Bridges Dentures Endosteal implants in place of a three unit bridge Oral wellness is an essential component of our overall health Based on experience with my own patients people who actively seek regular dental care have a greater chance to be healthier and happier than people who don t Jim Di Marino DMD Dental Director for Colonial Life For more information about this dental policy talk with your benefits counselor ColonialLifeDental com 1 Network360 December 2021 2 Member may have one additional periodontal maintenance in place of an additional cleaning 3 Waiting periods may be waived if takeover applies 4 No waiting periods in Maine Six month waiting period in Vermont THIS POLICY PROVIDES LIMITED BENEFITS A NETWORK ACCESS PLAN IS AVAILABLE No benefits will be paid for replacement of teeth missing prior to the effective date of coverage This policy is not available in ZIP codes beginning with 025 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 benefits payable Applicable to policy form IDN8000 including state abbreviations where used for example IDN8000 TX For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company Underwritten by Colonial Life Accident Insurance Company Columbia SC 2022 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company 1 22 101837 4

Individual Dental PPO Insurance Vision Rider For more information talk with your benefits counselor ColonialLife com Dental insurance offers an optional vision rider to help pay for eye exams and materials such as glasses and contact lenses This coverage can help you maintain healthy vision and overall wellness as well as provide valuable financial protection for you your spouse and dependent children Vision benefits IN NETWORK OUT OF NETWORK ALLOWANCE CO PAYS Exam once per 12 months 10 Up to 35 Materials 25 See below STANDARD PLASTIC LENSES1 once per 12 months Single vision Covered by co pay Up to 25 Bifocal Covered by co pay Up to 40 Trifocal Covered by co pay Up to 50 Lenticular 80 allowance Up to 50 Progressive 70 allowance Up to 40 Polycarbonate lenses for children to age 19 Covered by co pay N A FRAMES1 once per 12 months Choose any frame available at provider locations 120 allowance Up to 50 CONTACT LENSES2 once per 12 months Includes fit follow up and materials In lieu of eyeglass lenses and frames Elective Up to 120 allowance Up to 100 allowance Medically necessary Up to 210 allowance Up to 210 allowance Freedom of choice You ll have access to a national vision network that includes independent optometrists ophthalmologists and retail stores including Walmart Sam s Club Optical Costco 3 Pearle Vision and Target You can search for providers at ColonialLifeVision com Additional vision benefit advantages Eye exams and materials frames lenses can be purchased from different locations and providers For example you could have an eye exam with your favorite eye care professional and order contacts online Check the network for Value Added and Service Plus providers They can provide special discounts for extra purchases of lenses and coatings frames contact lenses and other products IDN8000 VISION RIDER

Special discounts on material purchases4 Providers identified as Value Added or Service Plus in our online provider directory offer the following additional values for our members on vision material purchases We encourage you to contact your selected provider prior to visiting their location to confirm their continued participation Not all providers such as Walmart Sam s Club and Costco Optical choose to participate in these special discounts Value Added providers DISCOUNTS FOR FIRST PAIR OF GLASSES Lens options add ons for insured purchases UV coating 15 Solid tinting gradient tinting 15 Standard scratch resistance coating 15 Standard anti reflective coating 45 Premium anti reflective coating 70 Ultra anti reflective coating 20 discount Polarized 75 Transition 75 Progressive lenses Standard 110 Premium 170 Ultra member receives a 20 discount Standard polycarbonate 40 High index single vision 1 56 1 60 60 1 66 20 discount High index multi focal 1 56 1 60 75 1 66 20 discount PURCHASE A SECOND PAIR OF GLASSES AND RECEIVE PREFERRED PRICING Lenses Single vision plastic lenses 40 Bifocal plastic lenses 60 Trifocal lenses 70 Progressive lenses standard 110 Progressive lenses premium and ultra 20 discount DISCOUNTS ON FRAMES CONTACT LENSES AND OTHER PRODUCTS Frames Up to 35 discount Contact Lenses 5 15 discount depending on type Other products 20 discount on non prescription sunglasses and other ancillary products solutions5 Service Plus providers RECEIVE UP TO A 20 DISCOUNT FOR THE FOLLOWING ADD ONS TO INSURED PURCHASES UV coating Solid tinting gradient tinting Standard scratch resistance coating Standard anti reflective coating Premium anti reflective coating Transition Standard polycarbonate ColonialLife com 1 Eyeglass lenses and frames are paid in lieu of the contact lenses benefit 2 The contact lenses benefit is paid in lieu of eyeglass lenses and frames Contact lenses consist of three components materials exams and fittings Coverage is for materials and the exam up to the contact lenses allowance Fittings may be covered but only up to the amount of any unused contact lenses allowance after materials 3 Optometrists at Costco Optical outlets are independent of Costco and may not be in network To verify that your vision exam will be fully covered after co pay confirm that your doctor is an in network provider Special payment and reimbursement terms apply for material purchases at Costco Additional discounts are not applicable 4 Not a covered benefit These schedules are subject to change without notice Added value discounts may not be available in all geographical areas and vary by network Many providers are not able to offer discounts on Prestige frames Special lens packages that combine numerous lens enhancements at value price points are not covered by these added value programs Cannot be combined with any other promotions or discounts 5 Some retail chains sell sunglasses in departments outside of their optical shops where discounts do not apply The policy or its provisions may vary or be unavailable in some states The policy had exclusions and limitations which may affect any benefits payable See the actual policy or your Colonial Life benefits counselor for specific provisions and details of availability Dental plans are underwritten by Colonial Life Accident Insurance Company Columbia SC and administered by Starmount Life Insurance Company 2018 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company 11 18 101851 3

Disability Insurance How you can protect your income If you become disabled you could be out of work for a while Without your income how would you pay for your everyday living expenses Fortunately Colonial Life offers financial protection options that can help you What can cause a disability Many accidents or sicknesses can lead to short term disability claims including pregnancy and childbirth injuries from a major accident including dislocations sprains and fractures back problems side effects from medicines or medical procedures and some mental illnesses Regardless of your age or health a disabling sickness or accidental injuries could keep you out of work for weeks or even months How reliable is your safety net While many people with disabilities look to workers compensation or Social Security Disability Insurance SSDI for help these resources aren t always reliable In fact 68 of workers who apply for SSDI are denied 1 Even if these resources can help they might not be enough to meet your financial obligations How to help yourself You can be better prepared to preserve your way of life with short term disability insurance Disability insurance features Benefits payable directly to you in regular payments if you can t work because of a covered accident or sickness injury or illness Disability benefits may be available if you return to work part time In most cases you can keep your coverage even if you change jobs as long as you pay your premiums when due Your Colonial Life benefits counselor can help you determine the amount of coverage that s right for you Nearly 70 of Americans worry about having enough emergency savings to cover a month s worth of living expenses 2 25 of 20 year olds can expect to be out of work for at least a year for a disabling condition before they retire 3 DISABILITY INSURANCE

Disability Insurance Worksheet You can tailor disability coverage to fit your specific needs Talk with your benefits counselor about your expenses and other paid leave benefits such as state paid medical leave to help determine the coverage that s right for you 4 MONTHLY EXPENSES Rent or mortgage insurance minor home repairs Transportation car note bus fare insurance gas maintenance Utilities cell phone Wi Fi electricity gas water Food and household necessities toiletries cleaning supplies Childcare daycare after school care Health medical needs and prescription drugs Other gym fitness streaming cable extracurricular Total monthly expenses add lines 1 7 together ROUND TO THE NEAREST HUNDRED Your state s paid medical leave approximate benefits if any Monthly benefit _____________ Benefit period up to _____________ Talk with your Colonial Life benefits counselor to learn more about disability insurance ColonialLife com 1 Social Security Administration SSI Annual Statistical Report 2021 2 Bankrate Bankrate s 2023 annual emergency savings report 2023 3 Social Security Administration Disability and Death Probability Tables for Insured Workers 2022 4 State paid medical leave PML benefits fall under state specific program names For example in New Jersey it may be referred to as Temporary Disability Insurance TDI Not available in all states For policies issued or delivered in the Commonwealth of Virginia THIS IS AN EXCEPTED BENEFITS POLICY IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY 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 benefits payable Applicable to policy forms ISTD3000 and rider form ISTD3000 ADIB including state abbreviations where used for example ISTD3000 TX and ISTD3000 ADIB TX policy form DIS1000 including state abbreviations where used for example DIS1000 TX policy form ED DIS 1 0 including state abbreviations where used for example ED DIS 1 0 TX policy form ICC21 DIP3000 and rider form ICC21 DIP3000 R DIS policy form GDIS P and certificate form GDIS C including state abbreviations where used for example GDIS P EE TX and GDIS C EE TX and policy form VSTDMP and certificate form VSTDC including state abbreviations where used for example VSTDMP TX and VSTDC TX Not applicable in Oregon for policy form ICC21 DIP3000 and rider form ICC21 DIP3000 R DIS For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company An insurance producer may contact you 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 6 23 101165 10

For more information talk with your benefits counselor Hospital Confinement Indemnity Insurance Plan 2 Our Individual Medical BridgeSM insurance can help with medical costs that your health insurance may not cover These benefits are available for you your spouse and eligible dependent children Hospital confinement _____1_5_0__0______ Maximum of one benefit per covered person per calendar year Observation room 100 per visit Maximum of two visits per covered person per calendar year Rehabilitation unit confinement 100 per day Maximum of 15 days per confinement with a 30 day maximum per covered person per calendar year Waiver of premium Available a er 30 continuous days of a covered hospital confinement of the named insured Outpatient surgical procedure Tier 1 _____5__0_0_______ Tier 2 _____7__5_0_______ Maximum of _____1_5_0__0_______ per covered person per calendar year for all covered outpatient surgical procedures combined The surgeries listed below are only a sampling of the surgeries that may be covered Surgeries must be performed by a doctor in a hospital or ambulatory surgical center For complete details and definitions please refer to your policy Tier 1 outpatient surgical procedures Breast Axillary node dissection Breast capsulotomy Lumpectomy Cardiac Pacemaker insertion Digestive Colonoscopy Fistulotomy Hemorrhoidectomy Lysis of adhesions Ear nose throat mouth Adenoidectomy Removal of oral lesions Myringotomy Tonsillectomy Tracheostomy Tympanotomy Gynecological Dilation and curettage D C Endometrial ablation Lysis of adhesions Liver Paracentesis Musculoskeletal system Carpal cubital repair or release Foot surgery bunionectomy exostectomy arthroplasty hammertoe repair Removal of orthopedic hardware Removal of tendon lesion Skin Laparoscopic hernia repair Skin gra ing IMB7000 PLAN 2

Tier 2 outpatient surgical procedures Breast Breast reconstruction Breast reduction Cardiac Angioplasty Cardiac catheterization Digestive Exploratory laparoscopy Laparoscopic appendectomy Laparoscopic cholecystectomy Ear nose throat mouth Ethmoidectomy Mastoidectomy Septoplasty Stapedectomy Tympanoplasty Eye Cataract surgery Corneal surgery penetrating keratoplasty Glaucoma surgery trabeculectomy Vitrectomy Gynecological Hysterectomy Myomectomy Musculoskeletal system Arthroscopic knee surgery with meniscectomy knee cartilage repair Arthroscopic shoulder surgery Clavicle resection Dislocations open reduction with internal fixation Fracture open reduction with internal fixation Removal or implantation of cartilage Tendon ligament repair Thyroid Excision of a mass Urologic Lithotripsy ColonialLife com THIS POLICY PROVIDES LIMITED BENEFITS EXCLUSIONS We will not pay benefits for injuries received in accidents or for sicknesses which are caused by a alcoholism or drug addiction b dental procedures c elective procedures and cosmetic surgery d felonies or illegal occupations e pregnancy of a dependent child f psychiatric or psychological conditions g suicide or injuries which any covered person intentionally does to himself or herself or h war We will not pay benefits for hospital confinement i due to giving birth within the first nine months a er the e ective date of the policy or j for a newborn who is neither injured nor sick k The policy may have additional exclusions and limitations which may a ect any benefits payable PRE EXISTING CONDITION LIMITATION l We will not pay benefits for loss during the first 12 months a er the e ective date due to a pre existing condition m A preexisting condition is a sickness or physical condition for which a covered person was treated had medical testing received medical advice or had taken medication within the 12 months before the e ective date of the policy n This limitation applies to the following benefits if applicable Hospital Confinement Daily Hospital Confinement Enhanced Intensive Care Unit Confinement and Rehabilitation Unit Confinement This information is not intended to be a complete description of the insurance coverage available The insurance or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may a ect any benefits payable Applicable to policy form IMB7000 including state abbreviations where used for example IMB7000 TX For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company This form is not complete without form 562973 Underwritten by Colonial Life Accident Insurance Company Columbia SC 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 21 562911

Hospital Confinement Indemnity Insurance Exclusions and Limitations STATE SPECIFIC EXCLUSIONS AK a Replaced by intoxicants and narcotics CA a Replaced by intoxicants or controlled substances c Replaced by cosmetic surgery CT a Replaced by intoxication or drug addiction d Replaced by felonies e Exclusion does not apply DE a Exclusion does not apply IL a Replaced by alcoholism intoxication or drug addiction e Exclusion does not apply g Exclusion does not apply KS a Replaced by intoxicants and narcotics f Exclusion does not apply h Replaced by war or armed conflict i Exclusion does not apply j or requires necessary care and treatment of medically diagnosed congenital defects birth abnormalities or routine and necessary immunizations KY a Replaced by intoxicants narcotics and hallucinogenics LA a Replaced by intoxicants and narcotics MI g Exclusion does not apply MN a Replaced by narcotic addiction e Exclusion does not apply g Exclusion does not apply MO a Replaced by drug addiction NC i Exclusion does not apply OR a Exclusion does not apply d Replaced by felony i Replace nine months with six months SC f Replaced by mental or emotional disorders SD a Exclusion does not apply TN a Replaced by intoxicants and narcotics e Exclusion does not apply TX a Replaced by intoxicants and narcotics WA a Only sicknesses caused by alcoholism or drug addiction are excluded not accidents STATE SPECIFIC PRE EXISTING CONDITION LIMITATIONS NV WY m applies within the six months before the policy e ective date CT m Pre existing Condition means having a sickness or physical condition for which any covered person was treated received medical advice or had taken medication within 12 months before the e ective date of this policy FL m Pre existing Condition means any covered person having a sickness or physical condition that during the 12 months immediately preceding the e ective date of this policy had manifested itself in such a manner as would cause an ordinarily prudent person to seek medical advice diagnosis care or treatment or for which medical advice diagnosis care or treatment was recommended or received Routine follow up care during the 12 months immediately preceding the e ective date of this policy to determine whether a breast cancer has recurred in a covered person who has been previously determined to be free of breast cancer does not constitute medical advice diagnosis care or treatment for purposes of determining pre existing conditions unless evidence of breast cancer is found during or as a result of the follow up care GA m Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing received medical advice or had taken prescription medication within 12 months before the e ective date of this policy IL m Pre existing Condition means having a sickness or physical condition for which any covered person was diagnosed treated had medical testing by a legally qualified physician or received medical advice or had taken medication within 12 months prior to the e ective date of this policy ME m Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing or received medical advice within 12 months before the e ective date of this policy NC m Pre existing Condition means having those conditions whether diagnosed or not for which any covered person received medical advice diagnosis care or treatment was received or recommended within one year period immediately preceding the e ective date of this policy If you are 65 or older when this policy is issued pre existing conditions will include only conditions specifically eliminated by rider OR Pre existing Condition means having a sickness or physical condition for which any covered person was diagnosed received treatment care or medical advice within the 6 month period immediately preceding the e ective date of this policy Insureds in California Oregon and South Dakota must be covered by comprehensive health insurance before applying for hospital indemnity insurance 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 IMB7000 including state abbreviations where used for example IMB7000 TX For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company This form is not complete without base form 562880 562911 or 562942 Underwritten by Colonial Life Accident Insurance Company Columbia SC 2022 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company IMB7000 EXCLUSIONS AND LIMITATIONS 3 22 562973 1

0 1 2 1 0 1 1 3 4 5 0 5 0 2 3 2 3 02 12 0 1 1 6 7 8 9 6 7 3 1 1 1 3 123 0 1 13 13 0 2 3 3 2 3 03 1 1 1 1 22 1 3 1 2 12 3 130 0 13 1 13 3 12 03 13 2 12 122 2 1 0 4 0

6 7 1 1 1 0 2 3 2 3 2 22 23 2 3 32 33 3 2 3 0 0 2 3 2 3 2 22 23 2 3 32 33 3 2 3 0 0 2 3 2 3 2 22 23 2 3 32 33 3 2 3 0 1 3 1 00 1 02 12 1 1 23 1 12 1 1 1 13 32 10 2 1 1 33 1 12 1 0 1 0 120 3 13 32 1 1 12 2 1 13 2 1 122 3 13 3 10 1 12 13 0 10 1 3 1 0 1 2 1 3 1 02 1 0 13 0 1 3 1 23 12 00 1 13 2 1 123 1 2 10 02 1 3 1 10 0 1 3 1 2 1 133 3 1 32 1 1 1 1 33 12 3 13 3 10 1 1 02 13 3 1 00 12 3 13 10 1 3 1 0 12 1 2 13 2 1 12 32 12 10 1 1 30 1 03 1 3 10 1 12 2 1 10 3 1 3 13 1 3 1 0 1 1 03 1 1 1 2 10 10 1 1 1 2 1 00 10 3 1 2 120 1 3 102 2 1 2 13 1 3 12 3 1 3 12 130 10 1 2 2 1 0 4 0

6 7 1 1 0 2 3 2 3 2 22 23 2 3 32 33 3 2 3 0 0 2 3 2 3 2 22 23 2 3 32 33 3 2 3 0 1 0 2 3 2 3 2 22 23 2 3 32 33 3 2 3 0 1 12 1 1 1 2 1 1 02 1 1 02 1 3 13 3 1 2 1 1 2 1 10 10 2 120 0 1 2 10 1 1 1 12 3 1 12 3 13 10 3 1 1 2 12 1 2 1 1 3 1 1 1 03 1 3 120 13 1 1 1 3 13 1 12 130 3 10 1 2 2 1 1 1 10 0 10 2 12 1 0 1 1 2 12 3 1 1 2 12 2 1 1 1 12 2 1 2 12 1 3 10 2 1 1 1 1 1 2 1 1 3 12 1 3 102 3 1 3 12 1 2 10 1 3 12 13 2 10 1 2 30 1 2 12 3 10 1 1 2 1 1 1 32 10 12 130 2 1 12 2 1 1 1 12 13 102 00 1 12 12 32 1 1 12 13 2 13 1 1 3 122 10 2 6 37 12 0 1 3 1 2 3 0 3 0 3 3 3 3 9 3 99 3 9 9 3 99 3 9 9 3 9 3 9 3 9 3 9 3 9 3 9 3 9 3 9 3 A 9 3 A 3 3 1 2 0 4 0

6 7 6 37 12 12 12 12 12 2 12 3 12 3 12 0 12 2 12 3 12 0 12 12 13 0 13 2 13 3 3 13 0 1 0 1 1 3 1 2 10 2 10 3 2 10 2 1 22 1 0 23 1 2 1 20 1 2 1 30 2 1 3 1 3 3 1 3 3 1 0 3 1 22 32 12 1 1 1 1 1 1 1 0 1 2 1 1 0 10 10 2 10 2 10 03 1 2 1 2 1 1 1 1 0 1 3 1 02 1 0 1 2 1 23 1 1 0 12 23 13 2 13 1 10 1 1 2 1 1 0 1 3 1 0 1 1 2 1 2 1 22 1 2 1 1 1 3 1 2 1 1 1 2 1 0 1 1 33 1 1 3 1 1 12 13 13 0 1 10 2 1 1 1 1 2 1 1 0 12 13 3 1 1 3 0 3 0 3 3 3 3 9 3 99 3 9 9 3 99 3 9 9 3 9 3 9 3 9 3 9 3 9 3 9 3 9 3 9 3 A 9 3 A 3 3 1 22 1 2 1 2 1 3 1 3 1 33 1 1 0 1 1 1 0 1 1 2 1 1 1 12 22 13 13 2 1 10 10 1 0 1 0 1 03 1 1 2 12 0 13 2 1 2 10 1 1 1 1 13 23 2 0 4 0

6 7 6 37 33 12 3 13 30 1 0 3 10 3 1 0 1 1 1 0 1 2 13 3 1 3 1 0 1 2 1 12 0 1 2 0 1 2 0 12 0 123 02 12 03 13 3 0 130 0 00 1 0 1 0 103 2 3 1 1 3 1 1 10 10 10 10 2 1 2 1 02 13 1 32 1 1 02 1 3 1 2 13 23 10 1 12 3 123 12 13 132 0 13 3 1 10 02 10 10 3 1 1 2 1 3 1 3 1 2 1 00 1 1 1 3 1 02 1 2 1 1 3 1 3 1 2 13 10 22 1 3 12 122 32 120 13 0 13 13 0 1 12 0 1 10 0 10 0 1 1 1 0 0 1 13 3 1 2 1 13 1 1 1 1 0 12 12 12 3 12 3 0 3 0 3 3 3 3 9 3 99 3 9 9 3 99 3 9 9 3 9 3 9 3 9 3 9 3 9 3 9 3 9 3 9 3 A 9 3 A 3 3 10 22 1 30 12 122 12 12 3 13 3 133 13 0 1 0 1 10 103 3 1 13 2 1 1 0 3 12 0 1 1 3 1 2 122 2 130 0 10 1 0 13 1 1 0 10 2 10 32 10 1 2 1 32 3 0 4 0

6 7 6 37 10 3 0 10 10 0 10 10 1 1 1 3 2 1 0 3 1 1 0 1 1 3 1 2 1 2 1 2 1 2 1 0 22 1 0 23 1 22 2 12 20 12 0 2 13 2 2 1 3 1 3 10 3 1 3 1 0 32 1 0 33 1 2 3 12 3 30 13 22 3 1 2 3 1 3 1 1 1 1 2 1 3 1 03 1 2 1 0 1 23 1 00 1 2 1 3 1 12 2 12 13 2 1 2 1 10 2 1 1 1 3 1 1 1 12 13 22 1 0 1 1 1 1 0 1 0 1 0 12 0 12 0 122 3 12 13 2 13 2 13 23 13 0 13 1 1 10 10 3 1 3 1 1 1 1 1 1 3 1 2 12 3 13 30 1 0 1 1 30 1 1 2 1 13 2 10 1 3 12 32 123 12 13 13 13 2 13 1 2 3 0 3 0 3 3 3 3 9 3 99 3 9 9 3 99 3 9 9 3 9 3 9 3 9 3 9 3 9 3 9 3 9 3 9 3 A 9 3 A 3 3 1 1 1 1 3 1 1 1 03 1 1 1 3 1 0 12 2 12 13 0 1 0 10 1 2 1 2 1 1 3 13 1 1 0 12 3 12 2 122 33 120 2 12 13 0 13 1 1 10 10 102 10 0 4 0

6 7 6 37 1 12 0 2 1 0 3 1 0 12 3 0 12 2 123 120 3 0 13 0 13 0 13 3 0 1 02 12 3 03 1 0 0 102 00 10 2 0 12 0 1 12 13 0 133 13 1 12 3 10 2 10 20 103 0 10 12 03 1 30 1 1 1 1 10 22 1 13 00 1 2 10 100 2 1 0 1 0 1 3 1 3 1 0 1 1 1 00 1 1 33 12 22 13 1 1 3 0 3 0 3 3 3 3 9 3 99 3 9 9 3 99 3 9 9 3 9 3 9 3 9 3 9 3 9 3 9 3 9 3 9 3 A 9 3 A 3 3 1 1 00 1 0 1 1 10 3 1 1 13 2 1 0 12 2 13 1 10 13 33 1 3 1 2 1 0 B 9 4 5 C 4 D D 5 4 E 6 7 0 0 0 4 0

Zenith Hope Center 2023 Colonial Accident Everyday mishaps to broken bones burns cuts to more extensive accidents Pays 200 for seeking treatment The more severe the accident the more money paid 50K Life insurance 50 Wellness for each family member on the plan Individual 12 24 Ind Spouse 16 76 Ind Child 18 32 Family 22 85 Colonial Hospital Colonial pays 1500 for a 24 hr hospital admission Outpatient Ind 17 49 13 57 50 59 18 41 60 64 23 88 65 75 34 06 Ind Sp 17 49 25 80 50 59 34 98 60 64 45 37 65 75 64 37 Ind Child 17 49 17 75 50 59 22 59 60 64 28 07 65 75 38 65 Family 17 49 29 98 50 59 39 16 60 64 49 54 65 75 69 26 Colonial Short Term Disability Provides a source of income while out of work Covers psychiatric psychological care If 24hr hospital admission pays on DAY 1 1000 monthly 3 months 0 7 Age 17 49 17 12 50 64 20 95 65 74 30 37

I would like a rate based on annual hourly income Amount allowed _____Rate ____ Dental Vision 2 annual cleanings xrays Pays 50 80 major services Vision eye exam corrective wear Individual 19 31 Ind Spouse 36 85 Ind Child 45 67 Family 68 09 Critical Care Cancer Pays in a lump sum 10K 75K for diagnosis Ex 25K pay out 35 39 yr old non tobacco 14 03 I would like a rate Life Pays beneficiary 25K 100K I would like a rate _______ Portable Guaranteed Rates Payroll deductible

Policyholder Service Guide At Colonial Life our goal is to give you an excellent customer experience that is simple modern and personal Getting started Consider your options The easiest way to manage your business with us is through the My Colonial Life policyholder section of ColonialLife com Whether online or by phone we ll provide the service you need To sign up for the website 1 Visit ColonialLife com 2 Click Register at the top right 3 On the sign up page click Join the Policyholder Website Need ColonialLife com Submit your claim using our eClaims system 3 File health screening wellness and doctor s office visit claims up to 18 months 3 3 Check the status of your claim 3 3 Review print or download a copy of your policy certificate 3 Access claim and service forms 3 3 Access your claim correspondence 3 3 3 Complete a notification for a life claim 3 3 Update your contact information After providing some basic information you ll be ready to go 800 325 4368 Filing claims eClaims With the eClaims feature on ColonialLife com you can file claims online by simply answering a few questions and uploading your supporting documentation You re able to spend less time on paperwork and we re able to process your claim faster With eClaims you can file most claims online including Accident Hospital confinement indemnity Disability Critical illness Cancer Vision You can access eClaims through your computer or mobile device and upload any required supporting documentation Once you re logged in to ColonialLife com visit the Claims Center and select File an Online Claim to get started

Contact us Online ColonialLife com Log in and click on Contact Us to email us Telephone 1 800 325 4368 Contact Center representatives are available Monday through Friday 8 a m to 8 p m ET Information is available 24 7 through our automated phone system Please have your Social Security or policy number ready when you call Hearing impaired customers Customers with a Telecommunications Device for the Deaf TDD should call 803 798 4040 If you do not have a TDD call Voiance Telephone Interpretation Services at 844 495 6105 to reach us Health screening wellness claims The quickest way to receive the applicable benefits for your health screening wellness services is to file online For health screening wellness claims within 18 months of the date you are filing the claim click on File a Wellness Claim Online on the Claims Center page If you do not want to file online you can use the automated customer service center at 1 800 325 4368 For health screening wellness claims over 18 months you ll be directed to print out a paper claim form under the claims and service forms section on the Claims Center page Paper claims If you don t want to file online download the form you need by visiting the Claims Center page on ColonialLife com and clicking on claims and service forms For instructions on how to correctly complete your claim form view the claims videos on the Claims Center page Be sure that you complete all sections of the claim form Also include a diagnosis from your doctor along with copies of any appropriate bills if required Keep a copy of your claim information for your records When we receive information regarding your claim you ll be notified by telephone or email If you select the electronic messaging option you ll receive a call when the claim is processed Claim tips and information When submitting your claim make sure to include all required supporting documentation as this will allow us to process your claim quicker To view correspondence pertaining to your claim visit ColonialLife com Once you log in to your secure account select My Correspondence from the home page Whether you submit your claims online or by paper form you can select optional services that authorize us to Communicate claims information via electronic messaging to your phone number Send claim benefits overnight by deducting a fee from your claim payment Release information to your benefits representative plan administrator or family member You can always check the status of your claim on the My Colonial Life site at ColonialLife com ColonialLife com Applicable to vision rider on the individual dental plan 2016 Colonial Life Accident Insurance Company Columbia SC Colonial Life insurance products are underwritten by Colonial Life Accident Insurance Company for which Colonial Life is the marketing brand 4 16 43233 37