Total Education VSTD Class 1

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 full-time active employees working minimum of 30 hours per week Benefit Highlights: Benefit Amount 20% of Salary up to $1,600 per week Maximum Payment 12 weeks Duration Elimination Period Accident - 7 days Sickness - 7 days (number of days you must be disabled to collect disability benefits) Accumulation of You can satisfy the days of your elimination period with either total (off work Elimination Days entirely) or partial (working some hours at your current job) disability. 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. • Occupational (24-Hour) • 45 days recurrent disability/temporary recovery Pre-Existing Condition This plan will cover a disability if it is caused by, contributed to by, or results from 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 Symetra® is a registered service mark of Symetra Life Insurance Company. LGP-2319/STD-Class 1 2/17

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. 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 Short Term Disability coverage Monthly rates per $10 weekly covered benefit: AGE RATE Under 25 $0.718 25 - 29 $0.852 30 - 34 $0.772 35 - 39 $0.564 40 - 44 $0.485 45 - 49 $0.488 50 - 54 $0.518 55 - 59 $0.607 60 - 64 $0.672 65 - 69 $0.859 70 - 74 $1.099 75 - $1.099 Symetra® is a registered service mark of Symetra Life Insurance Company. LGP-2319/STD-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/STD-Class 1 2/17