Critical Illnessv2

PLAN SUMMARY Critical Illness Insurance Benefits you can use as you see fit, such as to help cover expenses that are not covered by your medical plan. Salus Homecare ADF# CI3269.23 Critical Illness Insurance Benefits Benefit Payment Your plan pays a lump-sum Initial Benefit upon the first verified diagnosis of a Covered Condition. Your plan also pays a lump- sum Recurrence Benefit4 for a subsequent verified diagnosis of certain Covered Conditions as shown in the table below. A Recurrence Benefit is only available if an Initial Benefit has been paid for the same Covered Condition. There is a Benefit Suspension Period that applies to Recurrence Benefits The maximum amount that you can receive through your Critical Illness Insurance plan is called the Total Benefit Amount and is 5 times the amount of your Benefit Amount. This means that you can receive multiple benefit payments until you reach the maximum of $50,000, $90,000 or $1,50,000. Please refer to the table below for the percentage benefit payable for each Covered Condition. Covered Conditions Initial Benefit Recurrence Benefit Autism Spectrum Disorder Category Autism Spectrum Disorder payable for a covered person (adult or child) for a diagnosis of any severity 25% of Benefit Amount NONE Benign Tumor Category Benign Brain Tumor 100% of Benefit Amount 50% of Initial Benefit Cancer Category Invasive Cancer 100% of Benefit Amount 50% of Initial Benefit Non-Invasive Cancer 25% of Benefit Amount 50% of Initial Benefit Skin Cancer 5% of Benefit Amount, but not less than $250 50% of Initial Benefit, but not less than $250 Coronary Artery Disease Category Coronary Artery Bypass Graft (CABG) - where surgery involving either a median sternotomy or minimally invasive procedure is performed 50% of Benefit Amount 50% of Initial Benefit Childhood Disease Category Eligible Individual Benefit Amount Requirements Coverage Options Employee $10,000, $20,000 or $30,000 Coverage is guaranteed provided you are actively at work. 1 Spouse/Domestic Partner2 100% of the Employee’s Initial Benefit Coverage is guaranteed provided the employee is actively at work and the spouse/domestic partner is not subject to a medical restriction as set forth on the enrollment form and in the Certificate. 1 Dependent Child(ren)3 50% of the Employee’s Initial Benefit Coverage is guaranteed provided the employee is actively at work and the dependent is not subject to a medical restriction as set forth on the enrollment form and in the Certificate. 1

Critical Illness Insurance Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0325047079[exp0327][All States][DC,GU,MP,PR,VI] © 2025 MetLife Services and Solutions, LLC Cerebral Palsy 100% of Benefit Amount NONE Cleft Lip or Cleft Palate 100% of Benefit Amount NONE Congenital Heart Disease (for which Surgery has been recommended for treatment) 100% of Benefit Amount NONE Cystic Fibrosis 100% of Benefit Amount NONE Diabetes (Type 1) 100% of Benefit Amount NONE Down Syndrome 100% of Benefit Amount NONE Gaucher Disease (Type 2 Or Type 3) 100% of Benefit Amount NONE Glycogen Storage Disease (Type IV) 100% of Benefit Amount NONE Infantile Tay Sachs Disease 100% of Benefit Amount NONE Niemann-Pick Disease 100% of Benefit Amount NONE Pompe Disease 100% of Benefit Amount NONE Sickle Cell Anemia 100% of Benefit Amount NONE Spina Bifida 100% of Benefit Amount NONE Zellweger Syndrome 100% of Benefit Amount NONE Functional Loss Category Coma 100% of Benefit Amount 50% of Initial Benefit Loss of: Ability to Speak; Hearing; or Sight 100% of Benefit Amount NONE Paralysis of 2 or more limbs 100% of Benefit Amount 50% of Initial Benefit Heart Attack Category Heart Attack 100% of Benefit Amount 50% of Initial Benefit Sudden Cardiac Arrest 100% of Benefit Amount NONE Infectious Disease Category For a benefit to be payable, the covered person must have been treated for the disease in a hospital for 3 consecutive days. Bacterial Cerebrospinal Meningitis 25% of Benefit Amount 50% of Initial Benefit COVID-19 25% of Benefit Amount 50% of Initial Benefit Diphtheria 25% of Benefit Amount 50% of Initial Benefit Encephalitis 25% of Benefit Amount 50% of Initial Benefit Legionnaire’s Disease 25% of Benefit Amount 50% of Initial Benefit Malaria 25% of Benefit Amount 50% of Initial Benefit Necrotizing Fasciitis 25% of Benefit Amount 50% of Initial Benefit Osteomyelitis 25% of Benefit Amount 50% of Initial Benefit Rabies 25% of Benefit Amount NONE Tetanus 25% of Benefit Amount 50% of Initial Benefit Tuberculosis 25% of Benefit Amount 50% of Initial Benefit Kidney Failure Category Kidney Failure 100% of Benefit Amount 50% of Initial Benefit Major Organ Transplant Category Major Organ Transplant For bone marrow, heart, lung, pancreas, and liver 100% of Benefit Amount 50% of Initial Benefit Progressive Disease Category ALS 100% of Benefit Amount NONE Alzheimer’s Disease 100% of Benefit Amount NONE Multiple Sclerosis 100% of Benefit Amount NONE

Critical Illness Insurance Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0325047079[exp0327][All States][DC,GU,MP,PR,VI] © 2025 MetLife Services and Solutions, LLC Muscular Dystrophy 100% of Benefit Amount NONE Parkinson’s Disease (Advanced) 100% of Benefit Amount NONE Systemic Lupus Erythematosus (SLE) 100% of Benefit Amount NONE Severe Burn Category Severe Burn 100% of Benefit Amount 50% of Initial Benefit Stroke Category Stroke 100% of Benefit Amount 50% of Initial Benefit Transient Ischemic Attack 25% of Benefit Amount 50% of Initial Benefit Vascular Disease Category Aneurysm Abdominal Aortic or Thoracic Aortic Aneurysm; Carotid, Cerebral or Renal Aneurysm (Ruptured or Dissecting) 100% of Benefit Amount NONE Pulmonary Embolism 25% of Benefit Amount NONE * Notes Regarding Covered Conditions MetLife will not pay a benefit for a Covered Condition that is diagnosed prior to the coverage effective date. • Alzheimer’s Disease – Please review the Outline of Coverage/Disclosure Document for specific information about Alzheimer’s disease. • Cancer – Please review the certificate for specific information about cancer benefits. In most states, not all types of cancer are covered. • Artery Bypass Graft – In certain states, the Covered Condition is Coronary Artery Disease. • Heart Attack – The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate. A myocardial infarction does not include sudden cardiac arrest. • Infectious Disease Covered Condition Category – For an Infectious Disease Category benefit to be payable, the covered person must have been treated for the disease in a hospital for a consecutive number of days as specified in the certificate. • Major Organ Transplant – In most states, we will not pay a Major Organ Transplant benefit if a covered person is placed on the organ transplant list prior to coverage taking effect and subsequently undergoes a transplant procedure for the same organ while coverage is in effect. Covered organs may vary by state; refer to the Certificate for details. In some states, the condition is Major Organ Failure. • Stroke – In certain states, the Covered Condition is Severe Stroke. • The following benefits are not available in all states. Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for details. o Coma o Congenital Heart Disease (for which Surgery has been recommended for treatment) o Loss of: Ability to Speak; Hearing; or Sight o Paralysis o Severe Burn Health Screening BenefitMetLife will provide an annual benefit of $50 per calendar year for taking one of the eligible screening/prevention measures. The Health Screening Benefit is not available in all states. Example of How Benefits are Paid The example below illustrates an employee who elected a Benefit Amount of $10,000. Illness – Covered Condition Payment Heart Attack — first verified diagnosis Initial Benefit payment of $10,000 or 100% Kidney Failure – first verified diagnosis, two years later Initial Benefit payment of $10,000 or 100% Heart Attack — second verified diagnosis, four years later Recurrence Benefit payment of

Critical Illness Insurance Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0325047079[exp0327][All States][DC,GU,MP,PR,VI] © 2025 MetLife Services and Solutions, LLC Questions & Answers Q. How do I enroll? A. Enroll for coverage at Employer website. Q. Who is eligible to enroll for this critical illness coverage? A. You are eligible to enroll yourself and your eligible family members!5 You need to enroll during your Enrollment Period and to be actively at work for your coverage to be effective. Q. How do I pay for my critical illness coverage? A. Premiums will be paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment. Q. What happens if my employment status changes? Can I take my coverage with me? A. Yes, you can take your coverage with you.6 You will need to continue to pay your premiums to keep your coverage in force. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier. Q. Who do I call for assistance? A. Contact a MetLife Customer Service Representative at 1 800- GET-MET8 (1-800-438-6388), Monday through Friday Insurance Rates MetLife offers group rates and payment of premium through payroll deduction, so you don’t have to worry about writing a check or missing a payment! Your employee rates are outlined below. Monthly Premium for Employees Who Elect $10,000 of Coverage $5,000 or 50% This example is for illustrative purposes only. The MetLife Critical Illness Insurance Policy and Certificate are the governing documents with respect to all matters of insurance, including coverage for specific illnesses. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy and Certificate to determine coverage in each individual case. Age Employee Only Spouse Children

Critical Illness Insurance Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0325047079[exp0327][All States][DC,GU,MP,PR,VI] © 2025 MetLife Services and Solutions, LLC Monthly Premium for Employees Who Elect $30,000 of Coverage Rates will increase when a Covered Person reaches a new age band. Rates are subject to change. 1 For CA-sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of your job at the employer’s place of business or at an alternate place approved by your employer (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. 2 Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Please contact MetLife for more information. 3 Dependent Child coverage varies by state. Please contact MetLife for more information. 4 Review the Disclosure Document or Outline of Coverage/Disclosure Document for information on which Covered Condition may be eligible for a Recurrence Benefit. There may be a Benefit Suspension Period between recurrences of the same Covered Condition, as well as occurrences of different Covered Conditions. There may be a limitation on the number of Recurrence Benefits payable per Covered Condition. We will not pay a benefit for a Covered Condition that is subject to a Benefit Suspension Period. If a Recurrence Benefit is payable for a Cancer Covered Condition, we will not pay such benefit unless the Covered Person has not had symptoms of or been treated for the same cancer for which we paid a benefit during the Treatment Free Period. 5 Eligible Family Members means all persons eligible for coverage as defined in the Certificate. 6 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative. METLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife's CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability vary by state. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue

Critical Illness Insurance Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0325047079[exp0327][All States][DC,GU,MP,PR,VI] © 2025 MetLife Services and Solutions, LLC Age basis, where rates will not increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s CII product can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14-CI, GPNP19-CI or contact MetLife for more information. Please contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses