Group Basic Life and AD&D Insurance Plan Highlights

www.RelianceStandard.com Plan Highlights Meyers Nave ELIGIBILITY All Active Full-Time Employees working 30 hours or more per week, except for any person working on a temporary or seasonal basis. BENEFIT AMOUNT Basic Life and AD&D: 1 times earnings, rounded to the next higher $1,000, subject to a maximum of $500,000. GUARANTEED ISSUE Under age 60: $500,000 Age 60 but less than age 70: $500,000 Age 70 and over: none CONTRIBUTION REQUIREMENTS Coverage is 100% employer paid. AD&D SCHEDULE For Accidental Loss of Amount Payable Life 100% Both Hands 100% Both Feet 100% Sight of Both Eyes 100% One Hand and One Foot 100% One Hand and Sight of One Eye 100% One Foot and Sight of One Eye 100% Speech and Hearing 100% One Hand 50% One Foot 50% Sight of One Eye 50% Speech 50% Hearing 50% For Total Loss of Amount Payable Both Arms and Both Legs 100% Both Arms and One Leg or Both Legs and One Arm 75% Both Arms 67% Both Legs 67% One Arm and One Leg 67% One Arm or One Leg 50% BENEFIT REDUCTION DUE TO AGE Age Original Benefit Reduced to 65 65% 70 50% FEATURES  Living Benefit  Air Bag Benefit  Conversion Privilege  FMLA/MSLA Extension  Seat Belt Benefit  Waiver of Premium VALUE-ADDED SERVICES  Bereavement Counseling Services  Travel Assistance Services EXCLUSIONS AD&D EXCLUSIONS: AD&D benefits will not be payable for a loss: caused or contributed by by suicide or intentionally self‐inflicted injuries; caused by or resulting from war or any act of war, declared or undeclared; to which sickness, disease or myocardial infarction, including medical or surgical treatment thereof, is a contributing factor; sustained during an insured’s commission or attempted commission of an assault or felony; to which the insured’s acute or chronic intoxication is a contributing factor; or to which the insured’s voluntary consumption of an illegal or controlled substance or a non‐prescribed narcotic or drug is a contributing factor. For a comprehensive list of exclusions and specific limitations, please refer to the Certificate of Insurance. The Certificate also provides all requirements necessary to be eligible for coverage and benefits. This Plan Highlights is a brief description of the key features of the RSL insurance plan. The availability of the benefits and features described may vary by state. It is not a certificate of insurance or evidence of coverage. Insurance is provided under group policy form LRS‐6422, et al. Group Basic Life and AD&D Insurance