Plan Highlights: Group Supplemental & Dependent Life and AD&D Insurance

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. Dependents: You must be insured for your Dependents to be covered. Dependents are:  Your legal spouse who is not legally separated or divorced from you  Your legally-recognized domestic or civil union partner  Your unmarried financially dependent children birth to 20 years (to 26 years if full‐time student).  A person may not have coverage as both an Employee and Dependent.  Only one insured spouse may cover Dependent children. BENEFIT AMOUNT Supplemental Life: Choose from a minimum of $10,000 to a maximum of $500,000 in $10,000 increments. Dependent Life: Spouse: Choose from a minimum of $5,000, a maximum of $100,000 in $5,000 increments (spouse amount may not exceed 50.00% of employee amount) Dependent Child(ren): Birth but less than 21 years: $500 21 years through age 20: $10,000 (up to age 26 if a full-time student) GUARANTEED ISSUE Initial eligibility period only Employee: Under age 60: $150,000 Age 60 but less than age 70: $150,000 Age 70 and over: $50,000 Spouse: Under age 60: $25,000 Age 60 but less than age 70: $25,000 Age 70 and over: none Child: all child amounts are guaranteed issue CONTRIBUTION REQUIREMENTS Coverage is 100% employee paid. Dependent Life: Spouse: Coverage is 100% employee paid. Dependent Child(ren): Coverage is 100% employee 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 (Applicable to employee / spouse coverage) Age Original Benefit Reduced to 65 65% 70 50% RATES See attached Rate Sheet FEATURES  Living Benefit  Conversion Privilege  FMLA/MSLA Extension  Portability Group Supplemental & Dependent Life and AD&D Insurance