Group Long Term Disability Insurance Plan Highlights

www.reliancematrix.com This Plan Highlight is not a complete description of the insurance coverage. Insurance is provided under group policy form LRS-6564, et al. This is not a binding contract. Should there be a difference between this Plan Highlight and the contract, the contract will govern. The Certificate of Coverage will be made available to you that describes the benefits in greater detail; however a benefit will not be paid if caused or contributed by an exclusion listed in the Certificate. Reliance Standard Life Insurance Company is licensed in all states (except New York), the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Guam. In New York, insurance products and services are provided through First Reliance Standard Life Insurance Company, Home Office: New York, NY. Product features and availability may vary by state. Plan Highlights The Life is Good Company COVERAGE Disability income protection insurance provides a benefit for long term disability resulting from a covered injury or sickness. Benefits begin at the end of the elimination period and continue while you are disabled up to the maximum benefit duration. ELIGIBILITY All Active Full-Time and Part-Time Employees working 30 hours or more per week, except for any person working on a temporary or seasonal basis. CONTRIBUTION REQUIREMENTS Coverage is 100% Employee Paid. ELIMINATION PERIOD 90 consecutive days of total disability. BENEFIT AMOUNT The benefit amount is equal to 60% of your monthly covered earnings, from a minimum of $100, to a maximum benefit of $5,513 per month. MAXIMUM BENEFIT DURATION Benefits will not extend beyond the longer of your Social Security Normal Retirement Age or Duration of Benefits below: Age at Disablement Duration of Benefits 61 or less To Age 65 62 3 1/2 Years 63 3 Years 64 2 1/2 Years 65 2 Years 66 1 3/4 Years 67 1 1/2 Years 68 1 1/4 Years 69 or more 1 Year RATES See attached Rate Sheet FEATURES  Extended Disability Benefit  Military Services Leave of Absence  FMLA Continuation  Own Occupation Coverage – 24 Months  Rehabilitation Provision  Residual and Partial Disability  Specific Indemnity Benefit  Survivor Benefit – 3 months  Work Incentive & Child Care Provisions  Worksite Modification Benefit VALUE-ADDED SERVICES  Travel Assistance Services  ID Theft Recovery Services LIMITATIONS  Pre-Existing Condition Limitation: 3/12  Mental & Nervous Limitation – 24 months outpatient  Substance Abuse Limitation – 24 months  Offsets: your benefit may be reduced by other income sources such as, but not limited to, Social Security, Workers Compensation, State Disability Plans Group Long Term Disability Insurance

www.reliancematrix.com Plan Highlights The Life is Good Company The benefit amount is equal to 60% of your monthly covered earnings, to a maximum benefit of $5,513 per month. To calculate your weekly payroll deduction, use the formula indicated below: 1. Enter your Annual Earnings. 1. $ Rate per $100 of covered payroll $0.38 2. Divide your annual earnings by 12 (monthly earnings). Average monthly income cannot exceed $9,188. 2. $ 3. Multiply the amount on Line 2 by $0.38. 3. $ 4. Divide the amount on Line 3 by 100 and enter the amount on Line 4 to get your monthly payroll deduction. 4. $ 5. Multiply the amount on Line 4 by 12, then Divide by 52 to get your weekly payroll deduction. 5. $ Example Calculation: 1. Enter your Annual Earnings. 1. $ 50,000 2. Divide your annual earnings by 12 (monthly earnings). Average monthly income cannot exceed $9,188. 2. $ 4,167 (monthly earnings) 3. Multiply the amount on Line 2 by $0.38. 3. $ 1,583.46 4. Divide the amount on Line 3 by 100 and enter the amount on Line 4 to get your monthly payroll deduction. 4. $ 15.83 (monthly payroll deduction) 5. Multiply the amount on Line 4 by 12, then Divide by 52 to get your weekly payroll deduction. 5. $ 3.65 (weekly payroll deduction) Group Long Term Disability Insurance