SunlifeBuchanan Hauling & Rigging%2c Inc. - Generic Weekly …

Overview

Your premium calculations are illustrated based on the number of payroll deductions provided by your employer. Due to small differences in rounding, actual payroll deductions may vary slightly from the amounts illustrated in these materials.

This document provides a general overview. All insurance policies and products contain limitations, exclusions, restrictions, and may contain reductions and terms under which the policy or plan may be continued in force or discontinued. We reserve the right to cancel the policy or plan with advance written notice to the policyholder or group. Issued insurance contracts and agreements determine all plan features and benefits. Products are subject to state variations and availability. Benefits provided and premium amounts depend on the plan selected. Contact us for costs and complete details.

“Assurant Employee Benefits”, the Assurant name, and related logos are trademarks of Assurant, Inc. and are used under license. Insurance products are underwritten by Union Security Insurance Company (Kansas City, MO) under Policy Form Series GP-90, GP-09, GP-10, GP-11, GP-12/GC-12, GP-13/GC-13, GP-13/GC-14, GP-15/GC-15, GP-16/GC- 16, GP LTD CA, GP STD CA, and administered by Sun Life Assurance Company of Canada (Wellesley Hills, MA). © 2016 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.

3442255/CAN4/DEN10/LTD5/ACC4/LIF4/DEN11/CIB4/STD5/VSN6/2018-04-03 17:21

SLPC 27665 08/16 (exp. 08/18)

Buchanan Hauling & Rigging, Inc.

Benefit Summary

It’s annual enrollment time! Annual enrollment is here and it’s time to review your current benefit elections. Whether you want to add benefits, increase coverage or simply maintain your current plan choices, you’ll find all the information you need in this booklet. The products in this benefit plan were selected with you and your family’s well-being in mind. They’re an important part of your compensation package. And, because these products are offered through your employer, premium rates may be more competitive than similar products you could buy as an individual.

What benefits are available to me?

• Online Advantage to help manage your benefits. • Dental insurance that offers a range of services. • Life insurance to protect your family, in case something happens to you. • Accidental Death and Dismemberment insurance. • Short-Term Disability insurance for protection against temporary loss of income should you be disabled for a short period of time. • Long-Term Disability insurance to protect your income and your assets should you suffer a long-term injury or illness that prevents you from working. • Accident insurance provides a range of benefits for accidental injuries. • Critical Illness insurance for help in the event of sudden illness. • Cancer insurance can provide financial assistance for early detection and treatment of cancer. • Vision insurance can provide access to a comprehensive eye exam that can detect other health conditions.

How do I enroll? 1. Review the information in this booklet to see which benefits suit your needs. 2. Attend your benefits enrollment meeting. 3. Complete your enrollment form. 4. Sign and give your form to the program administrator.

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To help you make the most of your benefits, Sun Life Financial offers you many online services at no additional charge. With a click of a mouse you have immediate access to your plan information with Online Advantage for Members.

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Choosing a healthier smile for you and your family Dental Insurance

Why is dental health so important? Regular dental care does more than just improve smiles. Along with good hygiene, it can help you and your family lower your chances of serious health problems. • Maintaining healthy teeth and gums reduces the risk for pneumonia and chronic obstructive pulmonary disease. 1 • Research has shown, and experts agree, that there is an association between periodontal diseases and other chronic inflammatory conditions, such as diabetes, cardiovascular disease and Alzheimer’s disease. 2 How can I get the coverage I need? Dental insurance offers you a convenient way to get regular dental care and can possibly prevent life-threatening health problems. And through your employer, you can get this protection at an affordable group rate. How do I know I’m eligible to participate in this plan? You are eligible to participate if you are an active full-time employee as defined by your employer and meet any other policyholder defined eligibility requirements. • Gum disease has been linked to a 50 percent rise in pancreatic and kidney cancer risk and a 30 percent increase in blood cell cancers. 1

Key Advantages of This Plan • Your coverage includes our Lifetime of Smiles ® program, with benefits many people prefer such as brush biopsies for the early detection of oral cancer. • Assurant ® Dental Network, the PPO network for your plan, includes 100,000+ unique dentists, offers you more options to help save on fees and can make your annual maximum go even further. 3

1 Journal of Periodontology, January 2011. 2 American Academy of Periodontology - Website accessed June 3, 2011 http:// www.perio.org/consumer/mbc.top2.htm. 3 The PPO network for your plan includes dentists contracted with Dental Health Alliance, L.L.C. ® (DHA ® ) and dentists under access arrangements with other dental networks.

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How does my plan work? Your plan covers a range of services for you and your family. Highlights of your benefits can be found below. Benefits are paid after any applicable deductible has been met, up to the annual maximum. For more specific information, please ask to see the certificate of insurance. Why is Dental insurance a smart choice? Compare the annual cost of your Dental insurance with paying your dental expenses yourself:

Average charge 1 for dental procedures in FORT WAYNE: Adult cleaning

$81 twice yearly =$162 $45 twice yearly =$90

Oral examination Bitewing x-rays

$58

Total annual cost for preventive care $310 Other services you or a dependent may need: Fluoride treatment $30 One surface filling $143 Root canal $1,074 Crown $993 Gum scaling $240

Weekly (52) Cost for Dental Insurance*

High Plan

Low Plan

$9.30

$3.88

For you

$18.56

$7.76

For you and your spouse

$19.56

$7.29

For you and your child(ren)

$30.37

$11.59

For you and your family

* Your actual cost may vary depending upon your employer’s contribution toward the cost of the plan.

How can using a network dentist help lower my costs? You are free to use the dentist or specialist of your choice. However, when you choose a dentist in the Assurant ® Dental Network, your plan’s PPO network, you may save money. Using a network dentist may lower your out-of- pocket costs and can make your annual maximum go further. The dental network for your plan includes 100,000+ unique dentists contracted with Dental Health Alliance, L.L.C. ® (DHA ® ) and dentists under access arrangements with other dental networks. To find a dentist in your area, or to nominate your dentist to participate in our network, go to www.sunlife.com/findadentist, under PPO plans, select your dental network, or call Customer Service at 888.901.6377. What are my plan options? Your employer is offering you a choice of two plans. Please review the information on the next page and choose the one plan that best fits your needs.

1 Average Retail Costs were determined by Union Security Insurance Company and Union Security Life Insurance Company of New York national claims analysis for the year 2017. The costs represent a mean average rounded to the nearest dollar representing what you may pay without plan services.

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The High Plan Deductibles and maximums •  $0 annual deductible per person for in-network and $25 for out-of-network. The deductible is waived for preventive services. • Annual maximum of $1,500 per person for in-network and $1,500 for out-of-network for you and your dependents. Coinsurance 1 In-network •  100% for preventive services, such as oral exams, bitewing x-rays and cleanings. •  90% for basic services such as palliative (emergency) treatment of pain, simple extractions , minor periodontics and fillings. •  60% for major services such as fixed bridges, complex extractions, root canals, major periodontics, oral surgery, crowns and dentures. Out-of-network •  100% for preventive services, such as oral exams, bitewing x-rays and cleanings. •  80% for basic services such as palliative (emergency) treatment of pain, simple extractions, minor periodontics and fillings. •  50% for major services such as fixed bridges, complex extractions, root canals, major periodontics, oral surgery, crowns and dentures. Child Orthodontia • 50% coinsurance with a lifetime maximum of $1,000 for in-network and 50% coinsurance with a lifetime maximum of $1,000 for out-of-network. Waiting Periods For a complete description of services and waiting periods please review the certificate of insurance. • No waiting period for preventive or basic services. •  No waiting period for major services. ________________________________________ OR _ _______________________________________ The Low Plan Deductibles and maximums •  $50 annual deductible per person. •  Annual maximum of $1,000 per person for you and your dependents. Coinsurance 1 •  80% for preventive services, such as oral exams, bitewing x-rays and cleanings. •  50% for basic services such as palliative (emergency) treatment of pain, simple extractions, minor periodontics and fillings. •  25% for major services such as fixed bridges, complex extractions, root canals, major periodontics, oral surgery, crowns and dentures. Child Orthodontia •  We will provide Orthodontia benefits to all enrolled dependent children under age 25 who have cleft lip and/ or palate if the treatment is dentally necessary as a direct result of the condition. 50% coinsurance with a lifetime maximum of $1,000. Waiting Periods For a complete description of services and waiting periods please review the certificate of insurance. • No waiting period for preventive or basic services. •  No waiting period for major services.

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1 Percent of Allowable Charge (a charge based on the general level of charges made by other providers in the area for like treatment)

Who are eligible dependents? Those qualified to be covered under your dental plan include your spouse and children less than age 26. See your certificate or group insurance policy for additional eligibility details.

Dental plan provisions, limitations and exclusions Benefit Adjustments

Benefits will be coordinated with any other dental coverage. Under the Alternative Treatment provision, benefits will be payable for the most economical services or supplies meeting broadly accepted standards of dental care. If the charge for any dental treatment is expected to exceed $300, it is recommended that a dental treatment plan be submitted to Sun Life Financial for review before treatment begins. Late Entrant If you apply for dental insurance more than 31 days after a covered person first becomes eligible, the person is a late entrant. The benefits for the first 24 months of coverage for late entrants will be limited as follows: Time Insured Continuously Under the Policy Benefits Provided for Only These Services Less than 6 months Preventive Dental Services At least 6 months but less than 12 months Preventive and Basic Restorative Dental Services At least 12 months but less than 24 months Preventive and all Basic Dental Services At least 24 months Preventive, Basic and Major Dental Services We will not pay for any treatment that is started or completed during the late entrant limitation period. For additional limitations and exclusions, as well as other details about your coverage, please see the Other Important Plan Provisions section. This dental plan does not provide coverage for pediatric oral health services that satisfies the requirements for “minimum essential coverage” as defined by the Patient Protection and Affordable Care Act. (“PPACA”).

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Other Important Plan Provisions

Dental Benefits are not payable for the following, unless such insurance is provided under the list of covered dental services:

Treatment or an appliance which is not dentally necessary, is experimental or temporary in nature, or does not have uniform professional endorsement, treatment related to procedures that are part of a service but are not reported as separate services, reported in a treatment sequence that is not appropriate or misreported or that represent a procedure other than the one reported, appliances, inlays, cast restorations, crowns, or other laboratory prepared restorations used primarily for the purpose of splinting, any treatment or appliance, the sole or primary purpose of which relates to the change or maintenance of vertical dimension, the alteration or restoration of occlusion, except for occlusal adjustment in conjunction with periodontal surgery or temporomandibular joint disorder provided under the adult plan, bite registration, bite analysis, attrition or abrasion, replacement of a lost or stolen appliance or prosthesis, educational procedures, including but not limited to oral hygiene, plaque control or dietary instructions, completion of claim forms or missed dental appointments, personal supplies or equipment, including but not limited to water piks, toothbrushes, floss holders, or athletic mouthguards, administration of nitrous oxide or any other agent to control anxiety, treatment for a jaw fracture, treatment provided by a dentist, dental hygienist, or denturist who is an immediate family member or a person who ordinarily resides with a covered person, an employee of the policyholder, or a policyholder, hospital or facility charges for room, supplies or emergency room expenses or routine chest x-rays and medical exams prior to oral surgery, treatment provided primarily for cosmetic purposes, treatment which may not reasonably be expected to successfully correct the person’s dental condition for a period of at least 3 years, crowns, inlays, cast restorations, or other laboratory prepared restorations on teeth which do not have extensive decay or fracture and can be restored with an amalgam or composite resin filling, any treatment required directly or indirectly to diagnose or treat a muscular, neural, or skeletal disorder, dysfunction, or disease of the temporomandibular joint or its associated structures except as provided under the adult benefits, treatment for implants, implant abutments, implant supported prosthetics (crown, fixed partial denture, dentures) or any other services related to the care and treatment of the implant except as provided under the pediatric benefits, treatment for the prevention of bruxism (grinding of teeth) except as provided under the pediatric benefits. Treatment performed outside the United States, except for emergency dental treatment (the maximum benefit payable to any person during a benefit year for covered dental expenses related to emergency dental treatment performed outside the United States is $100), treatment or appliances at which are covered under any Workers’ Compensation Law, Employer’s Liability Law or similar law (a person must promptly claim and notify us of all such benefits), treatment for which a charge would not have been made in the absence of insurance, treatment for which a covered person does not have to pay, except when payment of such benefits is required by law and only to the extent required by law.

State variations can exist; please contact Sun Life Financial for additional information.

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Life Insurance Choosing to protect your family

If something unexpected happens, how can I be sure my family will be all right? No one wants to think about it. But an unexpected death can have devastating financial consequences for survivors — consequences that can linger long after the initial shock and grief. Adequate life insurance can help your family manage expenses and make a very difficult transition less painful. How do I know if I’m eligible to participate in this plan? You are eligible to participate if you are an active full-time employee as defined by your employer and meet any other policyholder defined eligibility requirements. How much coverage can I buy? You can purchase up to 5 times your basic annual pay, in units of $10,000, to a maximum of $100,000; $20,000 is the minimum you can purchase. You also can

purchase coverage for your spouse and children (see “Can I buy coverage for my family?”). You can effectively double your protection by purchasing an equal amount of Accidental Death and Dismemberment (AD&D) coverage. What is AD&D? AD&D pays an amount equal to your Life benefit if you die as a direct result of an accident. In addition, your AD&D coverage includes: • A Higher Education Benefit that pays an additional $3,000 per year for up to four consecutive years for eligible dependent students. (Applies to Employee AD&D Only.) • An Automobile Accident Benefit that pays an additional 20% of the AD&D benefit, to a maximum of $100,000 should you or your covered dependent die as a result of a car accident while wearing a seatbelt. • An Accidental Dismemberment benefit that pays 50% of the AD&D coverage for the loss of one hand, one foot or the sight of one eye; and 100% for the loss of two or more of the above.

Key Advantages of This Plan • This plan is offered through your employer, so premium rates may be more competitive than similar products you could buy as an individual. • Your premiums are paid through a convenient payroll deduction.

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Life Q&A Q. I’m not signed up for Voluntary Life insurance. Can I enroll now?

A. Yes! Whether you’ve just become eligible for this coverage or didn’t sign up in the past, now is the time to enroll. If you’ve first become eligible for this coverage within the last 31 days, you can enroll for amounts up to $100,000 for yourself, up to $50,000 for your spouse, and up to $10,000 for each child without answering health questions. To enroll for more coverage than the amounts shown above, you’ll need to answer a simple health statement. If you were offered this coverage in the past, but chose not to enroll, you can join the plan now, and receive up to $20,000 of coverage without answering health questions. If you want to enroll your dependents, you’ll need to answer the health statement for any family member you wish to cover. Exception: If you were medically declined for this coverage by us in the past, you are not eligible for this offer. Your benefit election will be effective on the entry date specified in your group policy, provided you’re at active work on that date. Otherwise, your coverage becomes effective on the day you return to full-time duties. Dependent coverage will become effective according to the policy entry date unless your dependent is in a hospital or similar facility on that day or if your dependent spouse is disabled on that day. Q. What happens if I become disabled? A. If you become disabled prior to age 60 while insured for Voluntary Life and remain continuously disabled as defined in the policy for the qualifying period, your coverage, including any dependent coverage will continue without further premium payment until age 65, recovery or retirement, whichever is earliest. Any time Life insurance is continued under this disability benefit, AD&D insurance also will be continued (and the premium waived) for up to 1 year from the date of disability. For disabilities beginning between age 60 and 65, the insurance can be continued (and premium waived) for up to one year, but not past the earlier of age 65 or the date you retire. Q. Can I access my Life insurance benefit if I’m terminally ill? A.  Yes. The Accelerated Benefit lets you request payment for up to 80% of your or your spouse’s Voluntary Life benefit in the event of a life-threatening medical condition where there is a life expectancy of 12 months or less. Q. Can I take my insurance with me if I leave my employer? A.  Yes. You have two options. Portability allows you to continue this group life coverage until age 65 after terminating current employment. Conversion allows you to convert to an individual policy if any or all of your Life insurance ends while you are insured under our group Life policy.

How do I estimate my premium? You can choose employee coverage in $10,000 units, from a minimum of $20,000 up to 5 times your basic annual pay, but not more than $100,000. To calculate your maximum benefit: 1. Enter your basic annual pay. ___________________ x 5 ___________________ Round to the next higher $10,000. ___________________ This is your maximum coverage. (Cannot exceed $100,000) 2.  Select a benefit amount in the Life chart, then find your age to determine your Weekly (52) premium deduction.

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Employee Premium Deduction Schedule

Life Weekly (52) Premium

Age <20 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75+

$20

0.44

0.56

0.70

0.85

1.01

1.31

2.40

4.09

7.61

9.90 14.38 21.59 50.54

$30

0.66

0.84

1.05

1.27

1.52

1.97

3.59

6.13 11.42 14.86 21.57 32.39 75.81

$40

0.88

1.12

1.40

1.70

2.02

2.62

4.79

8.18 15.22 19.81 28.76 43.18 101.09

$50

1.10

1.40

1.75

2.12

2.53

3.28

5.99 10.22 19.03 24.76 35.95 53.98 126.36

$60

1.32

1.68

2.10

2.55

3.03

3.93

7.19 12.27 22.83 29.71 43.14 64.77 151.63

$70

1.53

1.95

2.46

2.97

3.54

4.59

8.38 14.31 26.64 34.67 50.34 75.57 176.90

$80

1.75

2.23

2.81

3.40

4.04

5.24

9.58 16.36 30.44 39.62 57.53 86.36 202.17

$90

1.97

2.51

3.16

3.82

4.55

5.90 10.78 18.40 34.25 44.57 64.72 97.16 227.44

$100

2.19

2.79

3.51

4.25

5.05

6.55 11.98 20.45 38.05 49.52 71.91 107.95 252.72

Life and AD&D Weekly (52) Premium

Age <20 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75+

$20

0.56

0.68

0.82

0.97

1.13

1.43

2.52

4.21

7.73 10.02 14.50 21.71 50.66

$30

0.84

1.02

1.23

1.45

1.70

2.15

3.77

6.31 11.60 15.04 21.75 32.57 75.99

$40

1.12

1.36

1.64

1.94

2.26

2.86

5.03

8.42 15.46 20.05 29.00 43.42 101.33

$50

1.40

1.70

2.05

2.42

2.83

3.58

6.29 10.52 19.33 25.06 36.25 54.28 126.66

$60

1.68

2.04

2.46

2.91

3.39

4.29

7.55 12.63 23.19 30.07 43.50 65.13 151.99

$70

1.95

2.37

2.88

3.39

3.96

5.01

8.80 14.73 27.06 35.09 50.76 75.99 177.32

$80

2.23

2.71

3.29

3.88

4.52

5.72 10.06 16.84 30.92 40.10 58.01 86.84 202.65

$90

2.51

3.05

3.70

4.36

5.09

6.44 11.32 18.94 34.79 45.11 65.26 97.70 227.98

$100

2.79

3.39

4.11

4.85

5.65

7.15 12.58 21.05 38.65 50.12 72.51 108.55 253.32

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Can I buy coverage for my family? If you cover yourself, you can also purchase Voluntary Life Insurance for your eligible family members. You can buy spouse coverage in units of $5,000, up to the lesser of 50% of your own coverage amount or $50,000. You can buy coverage for your children too - in an amount of $1,000, $5,000 or $10,000. The 50% limit also applies to child coverage. You can also buy AD&D coverage for your dependents, if you buy AD&D coverage for yourself. The Dependent AD&D amount will match the Dependent Life amount. Your eligible dependents include your lawful spouse, if not disabled or hospital confined on the effective date, and unmarried children (if not hospital confined) from live birth to age 19, or to age 25 if a full-time student. The hospital confinement exception does not apply to a child born while dependent insurance is in effect.

AD&D All Ages All Ages

Spouse Life Weekly (52) Premium Deduction Schedule

Age <20 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75+

$5 0.07 0.08 0.09 0.13 0.19 0.31 0.50 0.85 1.48 1.91 3.39 7.60 18.07 $10 0.13 0.16 0.18 0.27 0.37 0.62 1.00 1.70 2.96 3.81 6.78 15.19 36.14 $15 0.20 0.24 0.28 0.40 0.56 0.93 1.50 2.55 4.44 5.72 10.18 22.79 54.21 $20 0.26 0.32 0.37 0.53 0.75 1.25 2.00 3.40 5.92 7.62 13.57 30.38 72.29 $25 0.33 0.40 0.46 0.66 0.93 1.56 2.50 4.25 7.40 9.53 16.96 37.98 90.36 $30 0.39 0.48 0.55 0.80 1.12 1.87 3.00 5.10 8.88 11.44 20.35 45.57 108.43 $35 0.46 0.57 0.65 0.93 1.31 2.18 3.51 5.95 10.35 13.34 23.75 53.17 126.50 $40 0.53 0.65 0.74 1.06 1.50 2.49 4.01 6.80 11.83 15.25 27.14 60.77 144.57 $45 0.59 0.73 0.83 1.19 1.68 2.80 4.51 7.65 13.31 17.16 30.53 68.36 162.64 $50 0.66 0.81 0.92 1.33 1.87 3.12 5.01 8.50 14.79 19.06 33.92 75.96 180.72

0.03 0.06 0.09 0.12 0.15 0.18 0.21 0.24 0.27 0.30

For Life and Accidental Death and Dismemberment insurance for your spouse, choose the benefit you want. Your spouse’s premiums are based on your age.

For Life insurance for your child(ren), choose the benefit you want for the corresponding premium. One premium covers all of your eligible dependent children.

Child Life Weekly (52) Premium

Benefit

$1,000 $5,000 $10,000

0.05 

0.23 

0.46 

Child Life

0.06 

0.26 

0.52 

Child Life and AD&D

Limitations, exclusions, restrictions and reductions

Please carefully review the Other Important Plan Provisions section for additional important plan limitations, exclusions, restrictions and reductions that may apply.

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Other Important Plan Provisions

Life The Disability Benefit, the Accelerated Benefit, Automobile Accident Benefit, Higher Education Benefit, and portability all have limitations or exclusions. For insureds or dependents who commit suicide within the first year after the effective date of their coverage, the only benefit amount payable is a refund of the amount of the insured’s contributions. For insureds or dependents who commit suicide within the first year after the insured elects an increase in coverage, the benefit amount for the increase will be limited to the amount of the insured’s contributions for the increase. This limitation applies to any contributory insurance. Life insurance coverage amounts will reduce by 33 percent at age 70. The amounts will be rounded to the next higher $10,000, if not an exact multiple of $10,000. The reduced amount will be further reduced an additional 33 percent at age 75, similarly rounded. In the case of Accidental Death and Dismemberment, we will not pay benefits if the loss results directly or indirectly from war or any act of war, whether declared or not; taking part in a riot or insurrection, or an act of riot or insurrection; service in the armed forces of any country, combination of countries or international organization at war, whether declared or not; any physical or mental disease; any infection, except a pyogenic infection that occurs from an accidental wound; assault or felony committed by the covered person or covered dependent; suicide or attempted suicide while sane or insane; intentionally self-inflicted injury while sane or insane; the use of any drug, unless it is used as prescribed by a doctor; or the covered person’s or covered dependent's intoxication, including but not limited to operating a motor vehicle while intoxicated.

State variations can exist; please contact Sun Life Financial for additional information.

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Short-Term Disability Insurance Choosing to protect your income

What happens if I can’t work for a month or two … or more? A broken arm, surgery or having a baby could keep you out of commission and off the job for six to eight weeks or longer. Your medical insurance will help cover the cost of treatment. But what about other expenses — your mortgage or rent, car payment, groceries and utilities? Once you’ve used up your sick leave and vacation time, the paychecks stop. But the bills do not. Think of Short-Term Disability insurance as income protection insurance The chances of suddenly not being able to work are greater than you may realize, and the financial consequences can be serious: • Within one year, one in 13 working people will suffer a short-term disability for more than one week. 1 • Over 90% of disabling illnesses or injuries are not work-related, 2 so most disabled workers are not eligible for workers’ compensation. • Even a short disruption of income can be bad news because two-thirds of American families live from paycheck to paycheck. 3 Short-Term Disability insurance provides income assistance and a way to help you pay your bills and keep your life as normal as possible if you become sick or injured and cannot work. And through your employer, you can get this protection at an affordable group rate. How do I know if I’m eligible to participate in this plan? You are eligible to participate if you are an active full-time employee as defined by your employer and meet any other policyholder defined eligibility requirements.

Key Advantages of This Plan

• Your premiums are paid through a convenient payroll deduction. • You can purchase coverage without providing proof of good health. • This plan provides a benefit for a disabling illness or injury that is not work-related, including pregnancy. • Your plan also includes Rehabilitation benefits that provide services and support targeted at helping you return to active work.

1 1987 Commission Group Disability Table, Society of Actuaries 2 National Safety Council, Injury Facts 2004 Ed. 3 Parade Magazine Is the American Dream Still Possible? April 23, 2006

Sources:

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Short-Term Disability Q&A

Q. I’m not signed up for Short-Term Disability. Can I enroll now? A. Yes! Whether you’ve just become eligible for this coverage or didn’t sign up in the past, now is the time to enroll. You won’t need to answer any health questions to join the plan, but a pre-existing conditions limitation will apply. Your benefit election will be effective on the entry date specified in your group policy, provided you’re at active work on that date. Otherwise, your coverage becomes effective on the day you return to full-time duties. Q. How do I qualify for benefits? A. You’ll start receiving disability payments if you satisfy the qualifying period and meet the definition of disability. You’re considered disabled if either of the following apply: • You’re under the regular care and attendance of a doctor, and an injury, sickness or pregnancy prevents you from performing at least one of the material duties of your job; OR • An injury, sickness or pregnancy prevents you from earning more than 80% of your covered pre-disability pay. Q. When would I start receiving benefits and how long could I receive them? A. Your benefits begin on the 14th day of disability for accidents or injuries, and on the 14th day of disability for sickness or pregnancy. Your benefits can continue for up to 13 weeks. Q. What’s a pre-existing conditions limitation? A. A pre-existing condition is one for which you’ve seen a medical practitioner or taken medication in the 6 months before your coverage effective date. If your disability begins in the first 12 months of your coverage and is due to a pre-existing condition, full benefits are not payable. This limitation no longer applies after the earlier of 12 consecutive months ending on or after the effective date of coverage during which you have not consulted with or seen a medical practitioner or received treatment or medication for that condition or 12 consecutive months of coverage under this plan. If you become disabled, but there is a question about whether the disability is caused by a pre-existing condition, we will pay 25% of your gross benefit for up to 4 weeks. This provides you with a financial bridge while we conduct our claims investigation. If we conclude your claim is due to a pre-existing condition, no further payment will be made. If your disability is not due to a pre-existing condition and your claim is approved, you will receive the balance of any benefit due.

Q. Will benefits or payments I receive from other sources affect the amount of benefit I receive under this plan? A. Yes. Your benefit may be reduced by disability benefits from retirement or government plans, other group disability

plans, no-fault benefits, salary continuance or sick leave, and return-to-work earnings. Q. What happens if I can work, but only on a limited basis? Can I still receive a benefit?

A. Yes, provided you meet the definition of disability. If you’re performing limited work, you’ll receive your full benefit unless the combination of your benefit and your new earnings is more than your covered pre-disability weekly pay.

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How much of my income can I protect?

You can choose weekly benefits in units of $50 up to 60.00% of your covered basic pay, to a maximum of $1,000 .

Here’s how to calculate your maximum weekly benefit and premium.

Enter your weekly pay (do not include overtime or bonuses) ______________________

X 0.6

Your maximum weekly benefit = ______________________

(round to nearest $50; cannot exceed $1,000) You can select your benefit in units of $50, starting at $100 per week, up to the amount you calculated above. Please see the chart to find your premium for the benefit amount you need. Look for the benefit amount you want in the far left column, then follow the line across to the column with your age range for the corresponding premium. Please note: Benefits are shown as weekly amounts ; premiums are based on 52 payroll deductions per year. For your convenience, your maximum and minimum benefit elections and costs are show below:

Weekly (52) Premium Deduction

Age <25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+

$100 1.67 $150 2.51 $200 3.35 $250 4.18 $300 5.02 $350 5.86 $400 6.69 $450 7.53 $500 8.37 $550 9.20 $600 10.04 $650 10.88 $700 11.71 $750 12.55 $800 13.38 $850 14.22 $900 15.06 $950 15.89 $1,000 16.73

1.47

1.41

1.41

1.47

1.65

2.22

2.99

3.50

3.94

4.43

2.21

2.11

2.11

2.21

2.47

3.33

4.49

5.25

5.91

6.64

2.94

2.81

2.81

2.95

3.30

4.44

5.98

7.00

7.87

8.86

3.68

3.51

3.51

3.69

4.12

5.56

7.48

8.75

9.84

11.07

4.42

4.22

4.22

4.42

4.94

6.67

8.97

10.50

11.81

13.29

5.15

4.92

4.92

5.16

5.77

7.78

10.47

12.24

13.78

15.50

5.89

5.62

5.62

5.90

6.59

8.89

11.96

13.99

15.75

17.71

6.63

6.32

6.32

6.64

7.41

10.00

13.46

15.74

17.72

19.93

7.36

7.03

7.03

7.37

8.24

11.11

14.95

17.49

19.68

22.14

8.10

7.73

7.73

8.11

9.06

12.22

16.45

19.24

21.65

24.36

8.83

8.43

8.43

8.85

9.89

13.33

17.94

20.99

23.62

26.57

9.57

9.14

9.14

9.59

10.71

14.45

19.44

22.74

25.59

28.79

10.31

9.84

9.84

10.32

11.53

15.56

20.94

24.49

27.56

31.00

11.04

10.54

10.54

11.06

12.36

16.67

22.43

26.24

29.53

33.21

11.78

11.24

11.24

11.80

13.18

17.78

23.93

27.99

31.50

35.43

12.51

11.95

11.95

12.53

14.01

18.89

25.42

29.74

33.46

37.64

13.25

12.65

12.65

13.27

14.83

20.00

26.92

31.49

35.43

39.86

13.99

13.35

13.35

14.01

15.65

21.11

28.41

33.24

37.40

42.07

14.72

14.05

14.05

14.75

16.48

22.22

29.91

34.98

39.37

44.28

16

Limitations, exclusions, restrictions and reductions

Please carefully review the Other Important Plan Provisions section for additional important plan limitations, exclusions, restrictions and reductions that may apply.

17

Other Important Plan Provisions

Short-Term Disability We will not pay benefits for any time you are confined to any facility because you were convicted of a crime or public offense. We will not pay benefits for any part of a period of disability during which you are receiving benefits under any Workers’ Compensation Act or a similar law.

We will not pay benefits for any disability caused by: • war or any act of war, whether declared or not; • intentionally self-inflicted injury, while sane or insane; • taking part in or the result of taking part in committing an assault or felony;

• an injury or sickness that arises out of or occurs in the course of any occupation for pay or profit; • or an injury or sickness that entitles you to benefits under any Workers’ Compensation Act or a similar law. We will also not pay benefits if: • your employer, the policyholder, or an associated company has offered you the opportunity to return to limited work while you are disabled; • you are functionally capable of performing the limited work which is offered; • and you do not return to work when and as scheduled.

State variations can exist; please contact Sun Life Financial for additional information.

18

Long-Term Disability Insurance Choosing to protect your lifestyle

What happens if I’m sick or injured and can’t work for months … or even years? If a sudden illness or serious accident occurred, you could go from breadwinner to dependent in the blink of an eye. And the chances of that happening are much greater than you may think: •  Almost 3 in 10 workers entering the work force today will become disabled before retiring. 1 • The average long-term disability absence is 2.5 years. 2 Disability can have long-lasting financial consequences • Nearly 50% of all mortgage foreclosures are the result of disability, compared to 2% caused by death. 3 • Two-thirds of applicants to the Social Security Disability Insurance program are initially denied, and the wait for appeals averages more than 500 days. 4 • With an average monthly benefit of $978, 5 Social Security Disability Insurance is often not enough to maintain the standard of living of those who qualify. Even if you’re part of a two-income family, the repercussions of being unable to work for an extended period can be severe. Long-Term Disability insurance offers you a way to replace part of your income if you should suffer a serious illness or injury and can’t work. And through your employer, you can get this protection at an affordable group rate. How do I know if I’m eligible to participate in this plan? You are eligible to participate if you are an active full-time employee as defined by your employer and meet any other policyholder defined eligibility requirements.

Key Advantages of This Plan

• You can purchase coverage without providing proof of good health. • You’re covered for injury or sickness 24 hours a day, seven days a week, on or off the job. • Your plan also includes Rehabilitation benefits that provide services and support to help you return to active work.

Sources: 1 Social Security Administration, Fact Sheet, Jan 31, 2007 2 Commissioner’s Individual Disability Table A 3 Health Affairs, The Policy Journal of the Health Sphere, Feb. 2, 2005 4 Kansas City Star Long Delays Add to Misery December 14,2007 5 Social Security Administration, Fact Sheet, Jan 31, 2007

19

Long-Term Disability Q&A

Q. I’m not signed up for Long-Term Disability. Can I sign up now? A. Yes! Whether you’ve just become eligible for this coverage or didn’t sign up in the past, now is the time to enroll. You won’t need to answer any health questions to join the plan, but a pre-existing conditions limitation will apply. Your benefit election will be effective on the entry date specified in your group policy, provided you’re at active work on that date. Otherwise, your coverage becomes effective on the day you return to full-time duties. Q. How do I qualify for benefits? A. You’ll start receiving disability payments if you satisfy the qualifying period and meet the definition of disability. During the qualifying period and the next 24 months of disability, you’re considered disabled if injury, sickness or pregnancy prevents you from performing at least one of the material duties of your regular occupation. After the qualifying period and the first 24 months of disability, you’re considered disabled if you’re unable to perform at least one of the material duties of any gainful occupation for which you are qualified by education, training or experience, and which provides as much income as the amount of coverage for which you enrolled. Q. When would I start receiving benefits? A. Your benefits begin after 90 days of disability. Q. How long can benefits continue? A. For most conditions, benefits are payable up to age 65 (or two years, if later), as long as you remain disabled under the policy. However, we may limit benefit payments to 12 months for disabilities due to chronic fatigue syndrome, fibromyalgia, carpal tunnel syndrome, environmental allergic illness, certain subjective musculoskeletal and connective tissue disorders, mental illnesses, alcoholism, and drug or chemical abuse. Q. What’s a pre-existing conditions limitation? A. A pre-existing condition is one for which you’ve seen a medical practitioner or taken medication in the 6 months before your coverage effective date. If your disability begins in the first 12 months of coverage and is due to a pre-existing condition, no benefits are payable. This limitation no longer applies after the earlier of 12 consecutive months ending on or after the effective date of coverage during which you have not consulted with or seen a medical practitioner or received treatment or medication for that condition or 12 consecutive months of coverage under this plan. Q. Will benefits or payments I receive from other sources affect the amount of benefit I receive under this plan? A. Yes. Your benefit may be reduced by disability benefits from retirement or government plans, other group disability plans, no-fault benefits, salary continuance, sick leave pay or 50% of return-to-work earnings. Q. What happens if I can work on a limited basis? Can I still receive benefits? A. Yes, provided you meet the definition of disability. This policy encourages return to work, during the qualifying period or after you have begun to receive payments. In fact, you never have to be totally disabled to receive a benefit under this plan. Your plan also includes rehabilitation benefits that provide services and support initiatives to help you return to active work. Q. Can I take my insurance with me if I leave my employer? A. If your coverage ends after you have been insured under this plan for at least a year, you may be able to convert your coverage to a plan that would be billed to you directly.

20

How much of my income can I protect? You can choose monthly benefits in units of $100 up to 60.00% of your covered basic pay, to a maximum of $6,000 .

Here’s how to calculate your maximum monthly benefit and premium.

Enter your monthly pay (do not include overtime or bonuses) ______________________

X 0.6

Your maximum monthly benefit = ______________________

(round to nearest $100; cannot exceed $6,000) You can select your benefit in units of $100 , starting at $500 per month, up to the amount you calculated above. Please see the chart to find your premium for the benefit amount you need. Look for the monthly benefit you want in the far left column, then follow across to the column with your age range for the corresponding premium.

Please note: Benefits are shown as monthly amounts ; premiums are based on 52 payroll deductions per year .

Weekly (52) Premium Deduction

Age <25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60+

$500 1.08 $600 1.29 $700 1.51 $800 1.73 $900 1.94 $1,000 2.16 $1,100 2.37 $1,200 2.59 $1,300 2.81 $1,400 3.02 $1,500 3.24 $1,600 3.45 $1,700 3.67 $1,800 3.88 $1,900 4.10 $2,000 4.32 $2,500 5.39 $3,000 6.47 $3,500 7.55 $4,000 8.63 $4,500 9.71 $5,000 10.79

1.08

1.18

1.57

2.26

3.76

5.66

6.70

7.62

1.29

1.41

1.88

2.71

4.51

6.79

8.04

9.14

1.51

1.65

2.20

3.16

5.26

7.92

9.39

10.67

1.73

1.88

2.51

3.61

6.02

9.05

10.73

12.19

1.94

2.12

2.82

4.06

6.77

10.18

12.07

13.71

2.16

2.35

3.14

4.51

7.52

11.31

13.41

15.24

2.37

2.59

3.45

4.96

8.27

12.45

14.75

16.76

2.59

2.82

3.77

5.41

9.02

13.58

16.09

18.29

2.81

3.06

4.08

5.87

9.78

14.71

17.43

19.81

3.02

3.30

4.39

6.32

10.53

15.84

18.77

21.33

3.24

3.53

4.71

6.77

11.28

16.97

20.11

22.86

3.45

3.77

5.02

7.22

12.03

18.10

21.45

24.38

3.67

4.00

5.34

7.67

12.79

19.23

22.79

25.90

3.88

4.24

5.65

8.12

13.54

20.37

24.13

27.43

4.10

4.47

5.96

8.57

14.29

21.50

25.47

28.95

4.32

4.71

6.28

9.02

15.04

22.63

26.82

30.48

5.39

5.88

7.85

11.28

18.80

28.29

33.52

38.09

6.47

7.06

9.42

13.53

22.56

33.94

40.22

45.71

7.55

8.24

10.98

15.79

26.32

39.60

46.93

53.33

8.63

9.42

12.55

18.05

30.08

45.26

53.63

60.95

9.71

10.59

14.12

20.30

33.84

50.92

60.33

68.57

10.79

11.77

15.69

22.56

37.60

56.57

67.04

76.19

21

For premiums for benefit amounts not illustrated in this chart, please contact your Plan Administrator.

Limitations, exclusions, restrictions and reductions

Please carefully review the Other Important Plan Provisions section for additional important plan limitations, exclusions, restrictions and reductions that may apply.

22

Other Important Plan Provisions

Long-Term Disability We will not pay benefits for any time you are confined to any facility because you were convicted of a crime or public offense. We will not pay benefits for any disability caused by: • war or any act of war, whether declared or not • intentionally self-inflicted injury; while sane or insane • taking part in or the result of taking part in committing an assault or felony • participating in any sport for wage, compensation, or profit or racing any type of vehicle in an organized event • participating in any activity or event, including the operation of a vehicle, while under the influence of a controlled substance unless administered by a doctor or taken according to the doctor’s instructions • your intoxication; this includes but is not limited to operating a motor vehicle while you are intoxicated In addition, we will not pay benefits if: • your employer, the policyholder or an associated company has offered you the opportunity to return to limited work while you are disabled • you are functionally capable of performing the limited work which is offered • you do not return to work when and as scheduled.

State variations can exist; please contact Sun Life Financial for additional information.

23

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