Accident Insurance Benefit Summary

Page 1 Group name: Betenbough Homes, LLC Policy number: 024883 Form created: 08/28/2025

Page 2 Portability To age 70 | Coverage Basis 24-Hour Benefit plan and Features - Low Plan Class definition: Class 1 – All Active Full Time Employees Life and dismemberment losses Employee Spouse Child Accidental Death $25,000 $25,000 $12,500 Accidental Death Common Carrier $50,000 $50,000 $25,000 Catastrophic loss: loss of arm or loss of hand — both arms or both hands, loss of leg or loss of foot — both legs or both feet, loss of hand and loss of foot or loss of arm and loss of leg — one hand and one foot or one arm and one leg, loss of an ear — both ears, irrecoverable loss of hearing — both ears, loss of an eye — both eyes, irrecoverable loss of sight — both eyes, irrecoverable loss of speech or ability to speak, or any combination equaling two or more losses from: loss of arm, loss of hand, loss of leg, loss of foot, loss of an ear or loss of an eye $12,500 $12,500 $6,250 Accidental dismemberment Employee Spouse Child Loss of hand — one hand, Loss of foot — one foot, Loss of leg — one leg or loss of arm — one arm $5,000 $5,000 $2,500 Loss of a finger or loss of a toe — two or more fingers or toes $1,500 $1,500 $750 Loss of a finger or loss of a toe — one finger or one toe $500 $500 $250 Loss of hearing or loss of an ear — one ear $5,000 $5,000 $2,500 Loss of sight or loss of an eye — one eye $5,000 $5,000 $2,500 Dislocations (Open reduction/Closed reduction) Employee Spouse Child Hip $5,000/$2,500 $5,000/$2,500 $5,000/$2,500 Knee, ankle or bones of the foot $2,000/$1,000 $2,000/$1,000 $2,000/$1,000 Elbow or wrist $800/$400 $800/$400 $800/$400 Shoulder $1,000/$500 $1,000/$500 $1,000/$500 Collarbone or bones of the hand $1,500/$750 $1,500/$750 $1,500/$750 Finger(s) or toe(s) $300/$150 $300/$150 $300/$150 Lower jaw $800/$400 $800/$400 $800/$400 Incomplete dislocation 25% of the applicable closed reduction

Page 3 Benefit plan and Features - Low Plan Fractures (Open reduction/Closed reduction) Employee Spouse Child Hip or thigh $5,000/$2,500 $5,000/$2,500 $5,000/$2,500 Skull — depressed $6,000/$3,000 $6,000/$3,000 $6,000/$3,000 Skull — simple $3,000/$1,500 $3,000/$1,500 $3,000/$1,500 Vertebral processes $1,000/$500 $1,000/$500 $1,000/$500 Bones of face or nose $1,000/$500 $1,000/$500 $1,000/$500 Leg (tibia or fibula) $3,000/$1,500 $3,000/$1,500 $3,000/$1,500 Vertebrae (body of) or sternum $2,000/$1,000 $2,000/$1,000 $2,000/$1,000 Pelvis (excluding coccyx) $3,000/$1,500 $3,000/$1,500 $3,000/$1,500 Upper jaw or upper arm $800/$400 $800/$400 $800/$400 Lower jaw $750/$375 $750/$375 $750/$375 Knee cap $750/$375 $750/$375 $750/$375 Ankle $750/$375 $750/$375 $750/$375 Foot $750/$375 $750/$375 $750/$375 Collarbone $750/$375 $750/$375 $750/$375 Shoulder $750/$375 $750/$375 $750/$375 Forearm $750/$375 $750/$375 $750/$375 Hand $750/$375 $750/$375 $750/$375 Wrist $750/$375 $750/$375 $750/$375 Elbow $750/$375 $750/$375 $750/$375 Heel $750/$375 $750/$375 $750/$375 Rib, finger, toe or coccyx $500/$250 $500/$250 $500/$250 Multiple ribs $1,000/$500 $1,000/$500 $1,000/$500 Chip fractures and other fractures not reduced 25% of the applicable closed reduction by open or closed reduction Additional injuries Employee Spouse Child Eye injury $300 $300 $300 Gunshot wound $250 $250 $250 Brain injury $500 $500 $500 Paralysis — monoplegia $1,000 $1,000 $1,000 Paralysis — diplegia $2,500 $2,500 $2,500 Paralysis — hemiplegia $2,500 $2,500 $2,500 Paralysis — paraplegia $12,500 $12,500 $12,500 Paralysis — quadriplegia $25,000 $25,000 $25,000 Coma $7,500 $7,500 $7,500 Concussion $150 $150 $150 Concussion lifetime maximum benefit $1,500 $1,500 $1,500

Page 4 Benefit plan and Features - Low Plan Lacerations Employee Spouse Child Laceration(s) with no sutures and treated by a physician $50 $50 $50 Single laceration under 5 cm with sutures $75 $75 $75 Lacerations 5–15 cm with sutures (total of all lacerations) $250 $250 $250 Lacerations greater than 15 cm with sutures (total of all lacerations) $500 $500 $500 Surgery Employee Spouse Child Miscellaneous surgery requiring general anesthesia not otherwise listed (once per 24- hour period, even though multiple surgical procedures may be performed) $500 $500 $500 Open surgery $1,500 $1,500 $1,500 Exploratory surgery or debridement $400 $400 $400 Laparoscopic surgery or hernia repair $500 $500 $500 Tendon/Ligament/Rotator cuff tear $750 $750 $750 Torn knee cartilage $750 $750 $750 Ruptured/herniated disc $750 $750 $750 Burns Employee Spouse Child 21–40 sq. cm second degree $200 $200 $200 21–40 sq. cm third degree $500 $500 $500 41–65 sq. cm second degree $400 $400 $400 41–65 sq. cm third degree $1,000 $1,000 $1,000 66–160 sq. cm second degree $600 $600 $600 66–160 sq. cm third degree $3,000 $3,000 $3,000 161–225 sq. cm second degree $800 $800 $800 161–225 sq. cm third degree $7,000 $7,000 $7,000 More than 225 sq. cm second degree $1,000 $1,000 $1,000 More than 225 sq. cm third degree $10,000 $10,000 $10,000 Skin graft 50% of the applicable burn benefit Medical services Employee Spouse Child Diagnostic exam (one-time per benefit year): Arteriogram, angiogram, CT, CAT, EKG, EEG or MRI $150 $150 $150 X-ray (twice per covered accident) $50 $50 $50 Accident emergency treatment (non-ER or non-urgent care facility) (one time per covered accident) $50 $50 $50

Page 5 Benefit plan and Features - Low Plan Medical services Employee Spouse Child Physician’s follow-up treatment office visit (per visit, up to 10 times per covered accident) $50 $50 $50 Physical and occupational therapy (per visit, up to 10 times per covered accident) $50 $50 $50 Medical devices $250 $250 $250 Epidural pain management (up to 2 times per covered accident) $50 $50 $50 Prescription drug $25 $25 $25 Prosthesis (one) $750 $750 $750 Prosthesis (two) $1,500 $1,500 $1,500 Anesthesia $50 $50 $50 Blood, plasma or platelet transfusion $250 $250 $250 Hospital Employee Spouse Child Hospital admission (once per benefit year) $500 $500 $500 Hospital confinement (per day up to 365 days per covered accident) $200 $200 $200 Intensive care unit admission (once per benefit year; payable instead of hospital admission benefit if confined immediately to ICU) $1,000 $1,000 $1,000 Intensive care unit confinement (per day up to 15 days; payable in addition to any hospital confinement benefit) $400 $400 $400 Ambulance (Ground) $400 $400 $400 Ambulance (Air) $2,000 $2,000 $2,000 ER admission or urgent care facility $100 $100 $100 Family Lodging Maximum Lodging night stays: one benefit per day, 30 days per benefit year $150 $150 $150 Transportation (100 or more miles up to three times per covered accident) $500 $500 $500 Rehabilitation unit (per day, up to 30 days per covered accident) $50 $50 $50 Emergency dental Employee Spouse Child Emergency dental extraction $100 $100 $100 Emergency dental crown $200 $200 $200 Wellness benefit Employee Spouse Child Wellness screening benefit (once per benefit year) $50 $50 $50

Page 6 • CA15-3 (blood test for breast cancer) • Breast Cancer Screening (clinical breast exam, mammography, MRI, thermography, ultrasound) • CA 125 (blood test for ovarian cancer) • Colorectal Cancer Screening (fecal occult blood test, colonoscopy, sigmoidoscopy) • CEA (blood test for colon cancer) • Lipid panel(cholesterol, triglycerides, HDL, LDL) • Pap smear • Prostate Cancer Screening (digital rectal exam, PSA blood test) Qualifying exams and screenings for Wellness Screening Benefit • Skin Cancer Screening • Diabetes tests (fasting blood glucose test, hemoglobin A1c) • Cardiac exercise stress test • Electrocardiogram (ECG)-resting or stress • Chest x-ray • Hemoccult stool analysis • Serum protein electrophoresis • Carotid Doppler • Echocardiogram • Immunizations • Interscholastic Sports Physical Exam Understanding your benefits Commonly Used Terms Accident An event that an average person would consider sudden and unforeseeable and which causes injury to an insured. Illnesses of any kind are not considered an accident. Common carrier A phrase referring to commercial airplanes, trains, buses, subways, ferries, etc. Open reduction Surgical treatment or repair of an injury. Closed reduction Non-surgical treatment or repair of an injury. Frequently Asked Questions When can I enroll? You can enroll when you are initially eligible for benefits and any subsequent annual enrollment or life status change. Are my dependent children eligible for coverage? Yes, dependent children are eligible up to the end of the month they reach age 26. If any dependent children are developmentally disabled, you are able to continue coverage beyond age 26. Do benefits have to be used for medical expenses? You decide how to use your benefit payment: • Out-of-pocket • Rehab costs • Utility or credit card bills medical costs, including • Rent or mortgage payments • Childcare deductibles and co-pays • Groceries • Other financial support What is accident insurance? Group accident insurance provides cash benefits for unexpected injuries resulting from a covered accident. Our plan covers many types of injuries, treatments and services. Why should I buy accident insurance? Accident insurance helps cover unexpected expenses related to an accidental injury, which can be costly. Accident insurance can help protect against unexpected costs not typically covered under a medical plan, such as deductibles, copays or out-of-network costs. What is a wellness benefit? Insureds are eligible to receive an annual benefit amount (default is $50) when they undergo any eligible exam or screening from the covered list. How do I learn more about my benefits? Visit www.equitable.com/employeebenefits and log on to EB360® to view your account details. • • • • • • • • • • • • • • • • • • • • • • • • • •

Page 7 If I have additional questions, who can I talk to? Please don’t hesitate to contact us at phone number (866) 274-9887.

Page 8 Group name: Betenbough Homes, LLC National Hospital Ambulatory Medical Care Survey: 2016 1 Emergency Department Summary Tables, # 1, 4, 11, 14, 24, 25. cdc. gov/nchs/data/nhamcs/web_tables/2016_ed_web_tables.pdf. The Associated Press - NORC Center for Public Affairs Research. 2 investedwallet.com/personal-financestatistics/. Important Information The following is a summary. A complete Limitations and exclusions: list of applicable exclusions and limitations are included in the policy and certificate. State variations may apply. Accident benefits may not be payable for injuries caused or contributed to by or incurred: physical or mental illness or disease or related medical treatment, infection not occurring as a direct result of accidental bodily injury, suicide or intentionally self-inflicted injury, war or act of war, while incarcerated, participating in a felony or illegal activity, intoxication, voluntary drug use unless administered by and used as instructed by a physician or for over-the-counter drugs in accordance with manufacturer's instructions, participation in certain activities involving an increased risk of injury as listed in the policy and certificate (e.g., mountain climbing, sky diving). If you start working for your employer after the effective date - the waiting period is determined by your Employer's personnel policy. An employee who is employed on the effective date of the policy will receive credit toward satisfying the waiting period for time employed with the employer provided he or she was employed on the day prior to the effective date of the policy. This coverage does not This policy provides limited benefits: constitute comprehensive health insurance coverage (often referred to as "major medical coverage") and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. THIS POLICY IS NOT A MEDICARE SUPPLEMENT PLAN. The policy has limitations and exclusions. Optional riders and/or features may incur additional costs. For costs and complete details of the coverage, please see the actual policy or contact your insurance broker. Plan documents are the final arbiter of coverage. Policy form [provide policy form nos.] and state variations. Availability is subject to state approvals. Equitable policy strictly prohibits doing business with any person or entity involved with marijuana production, distribution or other ancillary operations. Marijuana-related businesses also include the marketing of marijuana-related products and services, persons and businesses that service and receive income from the marijuana industry, and business involving hemp and hemp-related ingredients. Equitable is the brand name of the retirement Legal disclosures: and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY), Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN). All group insurance products are issued either by Equitable Financial or Equitable America, which have sole responsibility for their respective insurance and backed solely by their claims-paying obligations. Some products are not available in all states. ©2023 Equitable Holdings, Inc. All rights reserved. (6/23) | EB360® is a registered mark of Equitable Holdings, Inc., NY, NY.

Page 9 Group name: Betenbough Homes, LLC Policy number: 024883 Form created: 08/28/2025

Page 10 Portability To age 70 | Coverage Basis 24-Hour Benefit plan and Features - High Plan Class definition: Class 1 – All Active Full Time Employees Life and dismemberment losses Employee Spouse Child Accidental Death $50,000 $50,000 $25,000 Accidental Death Common Carrier $100,000 $100,000 $50,000 Catastrophic loss: loss of arm or loss of hand — both arms or both hands, loss of leg or loss of foot — both legs or both feet, loss of hand and loss of foot or loss of arm and loss of leg — one hand and one foot or one arm and one leg, loss of an ear — both ears, irrecoverable loss of hearing — both ears, loss of an eye — both eyes, irrecoverable loss of sight — both eyes, irrecoverable loss of speech or ability to speak, or any combination equaling two or more losses from: loss of arm, loss of hand, loss of leg, loss of foot, loss of an ear or loss of an eye $25,000 $25,000 $12,500 Accidental dismemberment Employee Spouse Child Loss of hand — one hand, Loss of foot — one foot, Loss of leg — one leg or loss of arm — one arm $10,000 $10,000 $5,000 Loss of a finger or loss of a toe — two or more fingers or toes $3,000 $3,000 $1,500 Loss of a finger or loss of a toe — one finger or one toe $1,000 $1,000 $500 Loss of hearing or loss of an ear — one ear $10,000 $10,000 $5,000 Loss of sight or loss of an eye — one eye $10,000 $10,000 $5,000 Dislocations (Open reduction/Closed reduction) Employee Spouse Child Hip $10,000/$5,000 $10,000/$5,000 $10,000/$5,000 Knee, ankle or bones of the foot $5,000/$2,500 $5,000/$2,500 $5,000/$2,500 Elbow or wrist $1,500/$750 $1,500/$750 $1,500/$750 Shoulder $3,000/$1,500 $3,000/$1,500 $3,000/$1,500 Collarbone or bones of the hand $4,000/$2,000 $4,000/$2,000 $4,000/$2,000 Finger(s) or toe(s) $1,000/$500 $1,000/$500 $1,000/$500 Lower jaw $1,500/$750 $1,500/$750 $1,500/$750 Incomplete dislocation 25% of the applicable closed reduction

Page 11 Benefit plan and Features - High Plan Fractures (Open reduction/Closed reduction) Employee Spouse Child Hip or thigh $10,000/$5,000 $10,000/$5,000 $10,000/$5,000 Skull — depressed $12,000/$6,000 $12,000/$6,000 $12,000/$6,000 Skull — simple $7,000/$3,500 $7,000/$3,500 $7,000/$3,500 Vertebral processes $2,000/$1,000 $2,000/$1,000 $2,000/$1,000 Bones of face or nose $2,000/$1,000 $2,000/$1,000 $2,000/$1,000 Leg (tibia or fibula) $6,000/$3,000 $6,000/$3,000 $6,000/$3,000 Vertebrae (body of) or sternum $5,000/$2,500 $5,000/$2,500 $5,000/$2,500 Pelvis (excluding coccyx) $8,000/$4,000 $8,000/$4,000 $8,000/$4,000 Upper jaw or upper arm $2,000/$1,000 $2,000/$1,000 $2,000/$1,000 Lower jaw $1,500/$750 $1,500/$750 $1,500/$750 Knee cap $1,500/$750 $1,500/$750 $1,500/$750 Ankle $1,500/$750 $1,500/$750 $1,500/$750 Foot $1,500/$750 $1,500/$750 $1,500/$750 Collarbone $1,500/$750 $1,500/$750 $1,500/$750 Shoulder $1,500/$750 $1,500/$750 $1,500/$750 Forearm $1,500/$750 $1,500/$750 $1,500/$750 Hand $1,500/$750 $1,500/$750 $1,500/$750 Wrist $1,500/$750 $1,500/$750 $1,500/$750 Elbow $1,500/$750 $1,500/$750 $1,500/$750 Heel $1,500/$750 $1,500/$750 $1,500/$750 Rib, finger, toe or coccyx $1,000/$500 $1,000/$500 $1,000/$500 Multiple ribs $2,000/$1,000 $2,000/$1,000 $2,000/$1,000 Chip fractures and other fractures not reduced 25% of the applicable closed reduction by open or closed reduction Additional injuries Employee Spouse Child Eye injury $600 $600 $600 Gunshot wound $500 $500 $500 Brain injury $1,000 $1,000 $1,000 Paralysis — monoplegia $2,500 $2,500 $2,500 Paralysis — diplegia $5,000 $5,000 $5,000 Paralysis — hemiplegia $5,000 $5,000 $5,000 Paralysis — paraplegia $25,000 $25,000 $25,000 Paralysis — quadriplegia $50,000 $50,000 $50,000 Coma $10,000 $10,000 $10,000 Concussion $200 $200 $200 Concussion lifetime maximum benefit $2,000 $2,000 $2,000

Page 12 Benefit plan and Features - High Plan Lacerations Employee Spouse Child Laceration(s) with no sutures and treated by a physician $100 $100 $100 Single laceration under 5 cm with sutures $150 $150 $150 Lacerations 5–15 cm with sutures (total of all lacerations) $500 $500 $500 Lacerations greater than 15 cm with sutures (total of all lacerations) $1,000 $1,000 $1,000 Surgery Employee Spouse Child Miscellaneous surgery requiring general anesthesia not otherwise listed (once per 24- hour period, even though multiple surgical procedures may be performed) $1,000 $1,000 $1,000 Open surgery $3,000 $3,000 $3,000 Exploratory surgery or debridement $800 $800 $800 Laparoscopic surgery or hernia repair $1,000 $1,000 $1,000 Tendon/Ligament/Rotator cuff tear $1,500 $1,500 $1,500 Torn knee cartilage $1,500 $1,500 $1,500 Ruptured/herniated disc $1,500 $1,500 $1,500 Burns Employee Spouse Child 21–40 sq. cm second degree $400 $400 $400 21–40 sq. cm third degree $1,000 $1,000 $1,000 41–65 sq. cm second degree $800 $800 $800 41–65 sq. cm third degree $2,000 $2,000 $2,000 66–160 sq. cm second degree $1,200 $1,200 $1,200 66–160 sq. cm third degree $6,000 $6,000 $6,000 161–225 sq. cm second degree $1,600 $1,600 $1,600 161–225 sq. cm third degree $14,000 $14,000 $14,000 More than 225 sq. cm second degree $2,000 $2,000 $2,000 More than 225 sq. cm third degree $20,000 $20,000 $20,000 Skin graft 50% of the applicable burn benefit Medical services Employee Spouse Child Diagnostic exam (one-time per benefit year): Arteriogram, angiogram, CT, CAT, EKG, EEG or MRI $300 $300 $300 X-ray (twice per covered accident) $100 $100 $100 Accident emergency treatment (non-ER or non-urgent care facility) (one time per covered accident) $100 $100 $100

Page 13 Benefit plan and Features - High Plan Medical services Employee Spouse Child Physician’s follow-up treatment office visit (per visit, up to 10 times per covered accident) $75 $75 $75 Physical and occupational therapy (per visit, up to 10 times per covered accident) $100 $100 $100 Medical devices $500 $500 $500 Epidural pain management (up to 2 times per covered accident) $100 $100 $100 Prescription drug $50 $50 $50 Prosthesis (one) $1,500 $1,500 $1,500 Prosthesis (two) $3,000 $3,000 $3,000 Anesthesia $100 $100 $100 Blood, plasma or platelet transfusion $500 $500 $500 Hospital Employee Spouse Child Hospital admission (once per benefit year) $1,000 $1,000 $1,000 Hospital confinement (per day up to 365 days per covered accident) $400 $400 $400 Intensive care unit admission (once per benefit year; payable instead of hospital admission benefit if confined immediately to ICU) $2,000 $2,000 $2,000 Intensive care unit confinement (per day up to 15 days; payable in addition to any hospital confinement benefit) $800 $800 $800 Ambulance (Ground) $600 $600 $600 Ambulance (Air) $4,000 $4,000 $4,000 ER admission or urgent care facility $150 $150 $150 Family Lodging Maximum Lodging night stays: one benefit per day, 30 days per benefit year $300 $300 $300 Transportation (100 or more miles up to three times per covered accident) $1,000 $1,000 $1,000 Rehabilitation unit (per day, up to 30 days per covered accident) $100 $100 $100 Emergency dental Employee Spouse Child Emergency dental extraction $200 $200 $200 Emergency dental crown $400 $400 $400 Wellness benefit Employee Spouse Child Wellness screening benefit (once per benefit year) $50 $50 $50

Page 14 • CA15-3 (blood test for breast cancer) • Breast Cancer Screening (clinical breast exam, mammography, MRI, thermography, ultrasound) • CA 125 (blood test for ovarian cancer) • Colorectal Cancer Screening (fecal occult blood test, colonoscopy, sigmoidoscopy) • CEA (blood test for colon cancer) • Lipid panel(cholesterol, triglycerides, HDL, LDL) • Pap smear • Prostate Cancer Screening (digital rectal exam, PSA blood test) Qualifying exams and screenings for Wellness Screening Benefit • Skin Cancer Screening • Diabetes tests (fasting blood glucose test, hemoglobin A1c) • Cardiac exercise stress test • Electrocardiogram (ECG)-resting or stress • Chest x-ray • Hemoccult stool analysis • Serum protein electrophoresis • Carotid Doppler • Echocardiogram • Immunizations • Interscholastic Sports Physical Exam Understanding your benefits Commonly Used Terms Accident An event that an average person would consider sudden and unforeseeable and which causes injury to an insured. Illnesses of any kind are not considered an accident. Common carrier A phrase referring to commercial airplanes, trains, buses, subways, ferries, etc. Open reduction Surgical treatment or repair of an injury. Closed reduction Non-surgical treatment or repair of an injury. Frequently Asked Questions When can I enroll? You can enroll when you are initially eligible for benefits and any subsequent annual enrollment or life status change. Are my dependent children eligible for coverage? Yes, dependent children are eligible up to the end of the month they reach age 26. If any dependent children are developmentally disabled, you are able to continue coverage beyond age 26. Do benefits have to be used for medical expenses? You decide how to use your benefit payment: • Out-of-pocket • Rehab costs • Utility or credit card bills medical costs, including • Rent or mortgage payments • Childcare deductibles and co-pays • Groceries • Other financial support What is accident insurance? Group accident insurance provides cash benefits for unexpected injuries resulting from a covered accident. Our plan covers many types of injuries, treatments and services. Why should I buy accident insurance? Accident insurance helps cover unexpected expenses related to an accidental injury, which can be costly. Accident insurance can help protect against unexpected costs not typically covered under a medical plan, such as deductibles, copays or out-of-network costs. What is a wellness benefit? Insureds are eligible to receive an annual benefit amount (default is $50) when they undergo any eligible exam or screening from the covered list. How do I learn more about my benefits? Visit www.equitable.com/employeebenefits and log on to EB360® to view your account details. • • • • • • • • • • • • • • • • • • • • • • • • • •

Page 15 If I have additional questions, who can I talk to? Please don’t hesitate to contact us at phone number (866) 274-9887.

Page 16 National Hospital Ambulatory Medical Care Survey: 2016 1 Emergency Department Summary Tables, # 1, 4, 11, 14, 24, 25. cdc. gov/nchs/data/nhamcs/web_tables/2016_ed_web_tables.pdf. The Associated Press - NORC Center for Public Affairs Research. 2 investedwallet.com/personal-financestatistics/. Important Information The following is a summary. A complete Limitations and exclusions: list of applicable exclusions and limitations are included in the policy and certificate. State variations may apply. Accident benefits may not be payable for injuries caused or contributed to by or incurred: physical or mental illness or disease or related medical treatment, infection not occurring as a direct result of accidental bodily injury, suicide or intentionally self-inflicted injury, war or act of war, while incarcerated, participating in a felony or illegal activity, intoxication, voluntary drug use unless administered by and used as instructed by a physician or for over-the-counter drugs in accordance with manufacturer's instructions, participation in certain activities involving an increased risk of injury as listed in the policy and certificate (e.g., mountain climbing, sky diving). If you start working for your employer after the effective date - the waiting period is determined by your Employer's personnel policy. An employee who is employed on the effective date of the policy will receive credit toward satisfying the waiting period for time employed with the employer provided he or she was employed on the day prior to the effective date of the policy. This coverage does not This policy provides limited benefits: constitute comprehensive health insurance coverage (often referred to as "major medical coverage") and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. THIS POLICY IS NOT A MEDICARE SUPPLEMENT PLAN. The policy has limitations and exclusions. Optional riders and/or features may incur additional costs. For costs and complete details of the coverage, please see the actual policy or contact your insurance broker. Plan documents are the final arbiter of coverage. Policy form [provide policy form nos.] and state variations. Availability is subject to state approvals. Equitable policy strictly prohibits doing business with any person or entity involved with marijuana production, distribution or other ancillary operations. Marijuana-related businesses also include the marketing of marijuana-related products and services, persons and businesses that service and receive income from the marijuana industry, and business involving hemp and hemp-related ingredients. Equitable is the brand name of the retirement Legal disclosures: and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY), Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN). All group insurance products are issued either by Equitable Financial or Equitable America, which have sole responsibility for their respective insurance and backed solely by their claims-paying obligations. Some products are not available in all states. ©2023 Equitable Holdings, Inc. All rights reserved. (6/23) | EB360® is a registered mark of Equitable Holdings, Inc., NY, NY.