Total Education VLTD

Group Disability Insurance SUMMARY OF BENEFITS Class 1 Sponsored By: Total Education Solutions Effective Date: April 1, 2024 Policy Number: 01-020899-00 The information in this summary may be replaced by any subsequently issued summary or policy amendment. Eligibility All Active Full Time working a minimum of 30 hours per week. Benefit Highlights: Benefit Amount 60% of Salary up to $7,500 per month Elimination Period 90 days (number of days you must be disabled to collect disability benefits) Maximum Payment Social Security Normal Retirement Age (SSNRA): Duration Age at Disability Maximum Payment Duration Less than age 60 To SSNRA 60 60 months or to SSNRA, greater of 61 48 months or to SSNRA, greater of 62 42 months or to SSNRA, greater of 63 36 months or to SSNRA, greater of 64 30 months or to SSNRA, greater of 65 24 months 66 21 months 67 18 months 68 15 months 69 and over 12 months Accumulation of You can satisfy the days of your elimination period with either total (off Elimination Days work entirely) or partial (working some hours at your current job) disability. Symetra® is a registered service mark of Symetra Life Insurance Company. LGP-2319/LTD-Class 1 2/17

Pre-Existing This plan will cover a disability if it is caused by, contributed to by, or results from Condition a pre-existing condition and the disability begins after being insured for 12 consecutive months from his/her effective date of coverage. If the time period requirements are not met, the disability is excluded from coverage under the plan. Pre-Existing Condition means a sickness or injury for which the insured received treatment within 3 months prior to his/her effective date of coverage. Treatment includes consultation, care, or services from a doctor, or other medical professional recommended by a doctor. It also includes being prescribed medicines, taking prescribed medicines (or the fact that the insured should have been taking prescribed medicines, but chooses not to), and receiving diagnostic measures. Survivor Income A survivor benefit may be paid to your beneficiary if you should die while Benefit receiving qualifying disability payments. Benefit Limitations Mental Illness: 24 Months Per Lifetime Substance Abuse: 24 Months Per Lifetime Evidence of Insurability Evidence of Insurability is required for all amounts of insurance selected after the initial 31 day eligibility period and for any amount in excess of the Guarantee Issue amount. Standard Provisions: • Maternity is covered the same as any other condition. • 6 months recurrent disability/temporary recovery - If the insured recovers and returns to work, and the same sickness or injury causes the disability to occur again within 6 months of the date the prior disability ended, Symetra will resume monthly payments if the insured is covered under the policy for the period of temporary recovery. • Waiver of premium - Premium payments for coverage are suspended for an insured while he/she is receiving disability income payments under this policy. • Cost of living freeze - Except for increases in income earned (or received from any form of employment) once other income amounts have been subtracted from the gross monthly disability payment, the insured’s payment will not be further reduced due to a cost of living increase in any other income amounts. • Vocational rehabilitation - Provides assistance through services such as testing and training as well as job modification and placement. • Social Security assistance - Helps an insured obtain Social Security disability benefits. • Continuity of coverage Symetra® is a registered service mark of Symetra Life Insurance Company. LGP-2319/LTD-Class 1 2/17

Contact Information for Claims Phone: 1-877-377-6773 Fax: 1-877-737-3650 Symetra Life Insurance Company Life and Absence Management Center P.O. Box 1230 Enfield, CT 06083-1230 Rates for Voluntary Long Term Disability coverage Monthly rates per $100 monthly covered payroll: AGE RATE Under 25 $0.071 25 - 29 $0.158 30 - 34 $0.272 35 - 39 $0.362 40 - 44 $0.502 45 - 49 $0.678 50 - 54 $0.872 55 - 59 $0.912 60 - 64 $0.594 65 - 69 $0.847 70 - 74 $0.744 75 - $0.745 Symetra® is a registered service mark of Symetra Life Insurance Company. LGP-2319/LTD-Class 1 2/17

This summary provides only a brief description of the Disability Income Insurance coverage insured by Symetra Life Insurance Company under the GDC 4000 series Group Disability Income Insurance policy. For a complete description, including all definitions, exclusions, limitations, and reductions in coverage, as well as information on termination of benefits, please contact your benefit administrator or refer to the Group Insurance Certificate you will receive when you become insured. Coverage will be offered under Group Policy number 01-020899-00. All benefits are subject to the terms and conditions of the Group Policy. If there is a difference between the information in this summary and the information contained in the Group Insurance Certificate, the terms of the Group Insurance Certificate will prevail. The terms of coverage may change over time; always refer to your current Group Insurance Certificate for information regarding your insurance benefits. Insured by Symetra Life Insurance Company Symetra® is a registered service mark of Symetra Life Insurance Company. LGP-2319/LTD-Class 1 2/17