Group Critical Illness Insurance Certificate

Mid-America Apartments, L.P.

IMPORTANT NOTICES GROUP CRITICAL ILLNESS If you reside in one of the following states, please read the important notice applicable to you. Arizona residents: This certificate of insurance may not provide all benefits and protections provided by law in Arizona. Please read this certificate carefully. California residents: THIS IS A SUPPLEMENT TO HEALTH INSURANCE. IT IS NOT A SUBSTITUTE FOR ESSENTIAL HEALTH BENEFITS OR MINIMUM ESSENTIAL COVERAGE AS DEFINED IN FEDERAL LAW. FOR CALIFORNIA RESIDENTS: REVIEW THIS CERTIFICATE CAREFULLY. IF YOU ARE 65 OR OLDER ON THE EFFECTIVE DATE OF THIS CERTIFICATE, YOU MAY RETURN IT TO US WITHIN 30 DAYS FROM THE DATE YOU RECEIVE IT AND WE WILL REFUND ANY PREMIUM YOU PAID. IN THIS CASE, THIS CERTIFICATE WILL BE CONSIDERED TO NEVER HAVE BEEN ISSUED. Florida residents: The benefits of the policy providing Your coverage are governed primarily by the laws of a state other than Florida. To make an inquiry, obtain information about your coverage or to resolve a complaint call 1- If a Covered Person does not like the Policy for any reason, it may be returned to Us within 30 days after receipt. We will return any premium that has been paid and the Policy will be void as if it had never been issued. THIS COVERAGE IS NOT GUARANTEED RENEWABLE IMPORTANT CANCELLATION INFORMATION – PLEASE READ “POLICY TERMINATION” PROVISION IN THE GENERAL PROVISIONS SECTION THIS POLICY IS RENEWABLE AT THE OPTION OF THE POLICYHOLDER AND/OR US Louisiana residents: THIS CERTIFICATE DOES NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE. THIS COVERAGE DOES NOT SATISFY THE INDIVIDUAL MANDATE OF THE AFFORDABLE CARE ACT (ACA). 800-547-5515. Idaho residents: 30 Day Right To Examine Policy

Maryland residents:

This Certificate may omit some of the benefits required for a Certificate issued and delivered in Maryland. North Carolina residents: Notice: This Certificate of Insurance provides all of the benefits mandated by the North Carolina Insurance Code, but is issued under a group master policy located in another state and may be governed by that state’s law. THIS CERTIFICATE IS NOT A MEDICARE SUPPLEMENT CERTIFICATE. IF YOU ARE ELIGIBLE FOR MEDICARE, REVIEW THE GUIDE TO HEALTH INSURANCE FOR PEOPLE WITH MEDICARE, WHICH IS AVAILABLE FROM CIGNA LIFE AND HEALTH INSURANCE COMPANY. The Policy is a legal contract between the Policyholder and Us. THIS IS A CRITICAL ILLNESS ONLY POLICY. BENEFITS PROVIDED ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES IMPORTANT CANCELLATION INFORMATION – PLEASE READ ''POLICY TERMINATION'' PROVISION IN YOUR CERTIFICATE OF INSURANCE Texas residents: THE INSURANCE POLICY UNDER WHICH THIS CERTIFICATE IS ISSUED IS NOT A POLICY OF WORKERS’ COMPENSATION INSURANCE. YOU SHOULD CONSULT YOUR EMPLOYER TO DETERMINE WHETHER YOUR EMPLOYER IS A SUBSCRIBER TO THE WORKERS’ COMPENSATION SYSTEM. Utah residents: NOTICE TO BUYER: This is a specified disease Policy. This Policy provides limited benefits. Benefits provided are supplemental and are not intended to cover all medical expenses. Read your Policy carefully with the Outline of Coverage and the Buyer’s Guide.

Vermont residents:

IN THE EVENT OF A CONFLICT BETWEEN THE LAWS OF THE STATE WHERE THE POLICY IS ISSUED AND THE LAWS OF VERMONT, THE LAWS OF VERMONT WILL CONTROL. THIS POLICY DOES NOT MEET THE MINIMUM COVERAGE REQUIREMENTS OF THE AFFORDABLE CARE ACT. YOU SHOULD NOT PURCHASE THIS POLICY UNLESS YOU ARE ALREADY COVERED BY COMPREHENSIVE MAJOR MEDICAL INSURANCE.

Cigna Health and Life Insurance Company 900 Cottage Grove Road, Bloomfield, Connecticut 06002 A Stock Insurance Company

GROUP CRITICAL ILLNESS CERTIFICATE THIS CERTIFICATE PROVIDES LIMITED COVERAGE. PLEASE READ YOUR CERTIFICATE CAREFULLY.

We, the Cigna Health and Life Insurance Company, have issued a Group Policy, CI111620 to Trustee of the Group Insurance Trust for Employers in the Finance, Insurance and Real Estate Industry. We certify that We insure all eligible persons who are enrolled according to the terms of the Group Policy. Your coverage will begin according to the terms set forth in the Effective Date Provisions section. This Certificate describes the benefits and basic provisions of Your coverage. It is not the insurance contract and does not waive or alter any terms of the Policy. If questions arise, the Policy language will govern. You may examine the Policy at the office of the Policyholder or the Administrator. This Certificate replaces all prior Certificates issued to You under the Group Policy.

Geneva Campbell Brown, Corporate Secretary

Julia M.Huggins Senior Vice President of US Markets President CHLIC

30 DAY RIGHT TO EXAMINE CERTIFICATE Within 30 days of receipt of this Certificate, You can return it to Us for any reason if not satisfied with the insurance provided under this Certificate. We will return any premium that has been paid and this Certificate will be void as if it had never been issued. THIS IS A CRITICAL ILLNESS ONLY POLICY. BENEFITS PROVIDED ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES

THIS CERTIFICATE DOES NOT CONTAIN COMPREHENSIVE ADULT WELLNESS BENEFITS AS DEFINED BY WYOMING LAW.

Series 1.0

GCI-02-CE1000.WY

TABLE OF CONTENTS

SECTION PAGE NUMBER SCHEDULE OF BENEFITS......................................................................................................................................................1 SCHEDULE OF BENEFITS FOR CLASS 1............................................................................................................................2 DESCRIPTION OF COVERAGES AND BENEFITS..............................................................................................................7 GENERAL DEFINITIONS........................................................................................................................................................9 ELIGIBILITY...........................................................................................................................................................................19 ENROLLMENT.......................................................................................................................................................................20 EFFECTIVE DATE PROVISIONS.........................................................................................................................................20 DEFERRED EFFECTIVE DATE PROVISIONS...................................................................................................................21 TAKEOVER PROVISION......................................................................................................................................................22 TERMINATION OF INSURANCE........................................................................................................................................23 CONTINUATION OF COVERAGE PROVISIONS..............................................................................................................23 PORTABILITY PROVISIONS...............................................................................................................................................24 EXCLUSIONS.........................................................................................................................................................................25 CLAIM PROVISIONS.............................................................................................................................................................26 ADMINISTRATIVE PROVISIONS.......................................................................................................................................28 GENERAL PROVISIONS.......................................................................................................................................................29 WELLNESS TREATMENT, HEALTH SCREENING TEST AND PREVENTIVE CARE BENEFIT RIDER...................31 HOSPITAL BENEFIT RIDER - PANDEMIC INFECTIOUS DISEASE ADMISSION ONLY BENEFIT ...............................33 MODIFYING PROVISIONS AMENDMENT........................................................................................................................35

GCI-02-CE1000.WY

SCHEDULE OF BENEFITS

The Schedule of Benefits provides a brief outline of the coverage and benefits including the benefit periods and any limitations applicable to benefits provided in this Policy for each Covered Person, unless otherwise indicated. This Policy is intended to be read in its entirety. In order to understand all the conditions, exclusions and limitations applicable to its benefits, please read all the Policy provisions carefully.

Covered Classes: Class 1

All active, Full-time Employees of the Employer who are regularly working in the United States a minimum of 20 hours per week and regularly residing in the United States and who are United States citizens or permanent resident aliens and their Spouse and Dependent Children who are United States citizens or permanent resident aliens and who are residing in the United States.

The following pages contain a Schedule of Benefits for each class of eligible Employees. For an explanation of these benefits, please see the Description of Benefits section.

GCI-02-1100-1.00V2

SCHEDULE OF BENEFITS FOR CLASS 1

Subscriber: Mid-America Apartments, L.P. Effective Date: January 01, 2024 Certificate Effective Date: June 01, 2024 Minimum Participation Requirements:

10% of eligible Employees or 10 enrolled Employees, whichever is greater

Eligibility Waiting Period: First of the month coinciding with or next following 90 days from date of hire or Active Service. Credit will be given for the period of time of Active Service before the Policy effective date.

CRITICAL ILLNESS BENEFITS FOR EMPLOYEE

All Employee benefits are payable as shown for the Eligible Employee. EMPLOYEE BENEFITS Critical Illness Benefit Benefit Type

Benefit Amount

Voluntary Critical Illness Coverage Initial Benefit Amounts

$10,000, $20,000

Maximum Benefit

$20,000

New Enrollees Guaranteed Issue Amount

Initial Group Enrollment Annual Group Enrollment

$20,000 $20,000 $20,000 $20,000

Life Status Change

New Hire

Current Insureds Guaranteed Issue Amount

Initial Group Enrollment Annual Group Enrollment

$20,000 $20,000 $20,000

Life Status Change

Benefit Waiting Period:

None

CONTINUATION OPTION(S): Applicable Coverage(s)

Critical Illness Benefits and Optional Benefits for the Employee, His Spouse and Dependent Child(ren)

For Family Medical Leave

Maximum Benefit Period

up to 6 months for family medical leave and up to 6 months for military family leave

For Leave of Absence

Maximum Benefit Period

up to 12 weeks

Portability

Maximum Age of Portability

100 as of the date of porting Coverage continues to age 100 100% of inforce coverage amount

Portable Period

Amount of Portable Coverage Coverage(s) that may be ported Benefit(s) that may be ported

Employee

All Voluntary Critical Illness Coverage and Optional Benefits

CRITICAL ILLNESS BENEFITS FOR SPOUSE

SPOUSE BENEFITS Critical Illness Benefit Benefit Type

Benefit Amount

Voluntary Critical Illness Coverage Initial Benefit Amounts

50% of Employee Benefit Amount

Maximum Benefit

$10,000

New Enrollees Guaranteed Issue Amount

Initial Group Enrollment Annual Group Enrollment

$10,000 $10,000 $10,000 $10,000

Life Status Change

New Hire

Current Insureds Guaranteed Issue Amount

Initial Group Enrollment Annual Group Enrollment

$10,000 $10,000 $10,000

Life Status Change

Benefit Waiting Period:

None

Portability

Maximum Age of Portability

100 as of the date of porting Coverage continues to age 100 100% of inforce coverage amount

Portable Period

Amount of Portable Coverage Coverage(s) that may be ported Benefit(s) that may be ported

Spouse

All Voluntary Critical Illness Coverage and Optional Benefits

CRITICAL ILLNESS BENEFITS FOR DEPENDENT CHILD(REN)

DEPENDENT CHILD(REN) BENEFITS Critical Illness Benefit Benefit Type Voluntary Critical Illness Coverage Initial Benefit Amounts

Benefit Amount

50% of Employee Benefit Amount

Maximum Benefit

$10,000

New Enrollees Guaranteed Issue Amount

Initial Group Enrollment Annual Group Enrollment

$10,000 $10,000 $10,000 $10,000

Life Status Change

New Hire

Current Insureds Guaranteed Issue Amount

Initial Group Enrollment Annual Group Enrollment

$10,000 $10,000 $10,000

Life Status Change

Benefit Waiting Period:

None

Portability

Maximum Age of Portability

26 as of the date of porting unless at age 26 or more years old, child is primarily supported by the Employee and incapable of self-sustaining employment by reason of mental or physical handicap Coverage continues to age 26 unless at age 26 or more years old, child is primarily supported by the Employee and incapable of self-sustaining employment by reason of mental or physical handicap

Portable Period

Amount of Portable Coverage Coverage(s) that may be ported Benefit(s) that may be ported

100% of inforce coverage amount

Dependent Child

All Voluntary Critical Illness Coverage and Optional Benefits

CRITICAL ILLNESS COVERAGE - LIST OF COVERED CONDITIONS

Cancer Conditions

% of Initial Benefit Amount

Recurrence % of Initial Benefit Amount

Invasive Cancer

100%

Carcinoma In Situ

25%

Benefit Amount $250

Skin Cancer

Not Available

Vascular Conditions

% of Initial Benefit Amount

Recurrence % of Initial Benefit Amount

Heart Attack

100%

Stroke

100%

Coronary Artery Disease

25%

Nervous System Conditions

% of Initial Benefit Amount

Recurrence % of Initial Benefit Amount

Advanced Stage Alzheimer's Disease

25%

Not Available

Amyotrophic Lateral Sclerosis (ALS)

25%

Not Available

Parkinson's Disease

25%

Not Available

Multiple Sclerosis

25%

Not Available

Childhood Conditions

% of Initial Benefit Amount

Recurrence % of Initial Benefit Amount

Muscular Dystrophy

100%

Not Available

Cystic Fibrosis

100%

Not Available

Cerebral Palsy

100%

Not Available

Poliomyelitis

100%

Not Available

Other Specified Conditions

% of Initial Benefit Amount

Recurrence % of Initial Benefit Amount

Benign Brain Tumor

100%

Blindness

100%

Not Available

Coma

25%

25 %

End-Stage Renal (Kidney) Disease

100%

Major Organ Failure

100%

Paralysis

100%

OPTIONAL BENEFITS WELLNESS TREATMENT, HEALTH SCREENING TEST AND PREVENTIVE CARE BENEFIT RIDER All Employee benefits under this Rider are payable at 100% of the Benefit Amount shown for the Eligible Employee. All Spouse benefits are payable at 100% of the Benefit Amount shown for the Employee. All Dependent Child(ren) benefits are payable at 100% of the Benefit Amount shown for the Employee. Voluntary Benefit Benefit Waiting Period 0 days LEVEL 1 EMPLOYEE BENEFITS Benefit Type Benefit Amount

Wellness Treatment Benefit Health Screening Test Benefit Preventive Care Benefit Benefit Amount

$50 per day 1 per year

Maximum Benefit

HOSPITAL INDEMNITY RIDER - PANDEMIC INFECTIOUS DISEASE ADMISSION ONLY BENEFIT All Employee benefits under this Rider are payable at 100% of the Benefit Amount shown. All Spouse benefits are payable at 100% of the Benefit Amount shown for the Employee. All Dependent Child(ren) benefits are payable at 100% of the Benefit Amount shown for the Employee. Benefit Waiting Period None Pre-Existing Limitation Period None

EMPLOYEE BENEFITS HOSPITALIZATION BENEFITS Benefit Type Hospital Pandemic Infectious Disease Admission Elimination Period

1 day

Benefit Amount

$3,000 per day

Maximum Benefit Period

1 day

PREMIUM INFORMATION

INITIAL PREMIUM Premium:

Refer to your Schedule of Rates

Contribution(s):

The cost of coverage is paid by the Employee

PREMIUM DUE DATES The Policy Effective Date and the first day of each succeeding modal period.

Premium rates are subject to change in accordance with the Changes in Premium Rates provision of the Administrative Provisions section of this Policy. An Employee’s premium is based on His Age and will increase on the Policy Anniversary Date after the Employee enters a new Age bracket.

GCI-02-1100-1.00V2

DESCRIPTION OF COVERAGES AND BENEFITS This Description of Coverages and Benefits Section describes the Critical Illness Coverages and Benefits provided by this Policy. Benefit amounts, benefit periods and any applicable benefit maximums are shown in the Schedule of Benefits and may be subject to a Benefit Waiting Period and/or an Elimination Waiting Period before benefits can be paid . The Benefit Amounts shown in the Schedule of Benefits will be paid regardless of the actual expenses incurred. Certain words capitalized in the text of these descriptions have special meanings within this Policy and are defined in the General Definitions section. Please read these and the Common Exclusions sections in order to understand all of the terms, conditions and limitations applicable to these coverages and benefits. INITIAL CRITICAL ILLNESS BENEFIT We will pay the Initial Critical Illness Benefit to a Covered Person for the Covered Condition shown in the Schedule of Benefits that are diagnosed while coverage is in force, subject to the conditions and limitations set forth below, and the terms, conditions, limitations and exclusions applicable to all coverage under the Policy. Initial Critical Illness Benefit Amount The amount of the Initial Critical Illness Benefit is the Initial Benefit Amount shown in the Schedule of Benefits . The amount payable per Covered Condition is the Initial Benefit Amount multiplied by the applicable percentage for the diagnosis of the Covered Condition shown in the Schedule of Benefits . Benefit Conditions The Initial Critical Illness Benefit will only be payable if: 1. The Date of Diagnosis occurs after the Benefit Waiting Period, if applicable; 2. The Date of Diagnosis occurs while the Covered Person's coverage under this Policy is in force; 3. The Critical Illness is a different Covered Condition than any of the Covered Conditions for which an Initial Critical Illness Benefit has been paid; 4. The Covered Condition satisfies the Definition in the Policy. 5. For Heart Attack and Stroke, the Covered Person has an Inpatient admission. Benefit Limitations These limitations apply to payments under the Initial Critical Illness Benefit: 1. No more than one Initial Critical Illness Benefit payment will be made regardless of percentage for each Covered Condition shown in the Schedule of Benefits ; 2. No more than one Initial Critical Illness Benefit will be paid per Covered Condition per Covered Person; 3. The Skin Cancer Benefit is not payable as an Initial Critical Illness Benefit. RECURRENCE CRITICAL ILLNESS BENEFIT We will pay the Recurrence Critical Illness Benefit to a Covered Person when diagnosed with the Recurrence of an eligible Covered Condition shown in the Schedule of Benefits while coverage is in force, subject to the conditions and limitations set forth below, and the terms, conditions, limitations and exclusions applicable to all coverage under the Policy. Recurrence Critical Illness Benefit Amount The amount of the Recurrence Critical Illness Benefit payable per Covered Condition is the Initial Benefit Amount shown in the Schedule of Benefits multiplied by the applicable Recurrence percentage for each Recurrence diagnosis also shown on the Schedule of Benefits . Benefit Conditions The Recurrence Critical Illness Benefit will only be payable if: 1. The Date of Diagnosis occurs while the Covered Person's coverage under this Policy is in force; 2. The Covered Condition satisfies the Definition in the Policy; 3. The Covered Condition is the same as a Covered Condition for which an Initial Critical Illness Benefit has been paid; 4. The Covered Person was treatment free for this Covered Condition and a Physician has determined that the Covered Person has No Evidence of Active Disease. 5. For Severe Sepsis that means the Covered Person was discharged from the Inpatient hospital stay for which a(n) Initial Specified Disease Benefit has been paid and is treatment free for Invasive Cancer or Carcinoma in Situ.

As used herein, ''treatment'' does not include medications and follow-up visits to the Covered Person’s Physician. ''Medications'' means any form of pharmacotherapy which is primarily used to improve or maintain general physical condition or health, or which is used for routine, long term, or maintenance care that is provided after the resolution of the acute medical problem and where the pharmacotherapy is not expected itself to provide significant therapeutic improvement. SKIN CANCER BENEFIT We will pay the Skin Cancer Benefit to a Covered Person as shown in the Schedule of Benefits that is diagnosed while coverage is in force, subject to the conditions and limitations set forth below, and the terms, conditions, limitations and exclusions applicable to all coverage under the Policy. Skin Cancer Benefit Amount The amount payable for Skin Cancer is the Skin Cancer Benefit Amount shown in the Schedule of Benefits. The Skin Cancer Benefit will not reduce the Initial Critical Illness Benefit Amount(s) available. If a separate Skin Cancer Benefit Amount is available under the Policy, as shown in the Schedule of Benefits , such benefit shall be subject to the Benefit Conditions and Benefit Limitations as provided below. Benefit Conditions The Skin Cancer Benefit will only be payable if: 1. The Date of Diagnosis occurs after the Benefit Waiting Period, if applicable; 2. The Date of Diagnosis occurs while the Covered Person’s coverage under this Policy is in force; 3. The Covered Condition satisfies the Definition in the Policy. Benefit Limitations These limitations apply to payments under the Skin Cancer Benefit: 1. No more than 1 Skin Cancer Benefit(s) will be paid per Covered Person.

GCI-02-1200-1.00

GENERAL DEFINITIONS Please note that certain words used in this Policy have specific meanings. The words defined below and capitalized within the text of this Policy have the meanings set forth below. Active Service An Employee will be considered in Active Service with His Employer on any day that is either:

1. one of the Employer’s scheduled work days on which the Employee is performing His regular duties on a Full-time basis, either at one of the Employer’s usual places of business or at some other location to which the Employer’s business requires the Employee to travel; or 2. a scheduled holiday or holiday period, vacation day or period of Employer- approved paid leave of absence, other than disability or sick leave after 7 days, only if the Employee was in Active Service on the preceding scheduled workday. A Covered Person other than an Employee is not considered in Active Service if He is: 1. Inpatient in a Hospital, receiving hospice or confined in a rehabilitation or convalescence center or custodial care facility or receiving Outpatient care for chemotherapy or radiation therapy; 2. confined at home under the care of a Physician for Sickness or Injury; Meets the criteria described for the diagnosis of Alzheimer’s Disease, in addition to the cognitive deficits interfering with independence in completion of Instrumental Activities of Daily Living as needed for Mild Stage Alzheimer’s Disease, assistance is also required for completion of at least 2 Physical Activities of Daily Living. The Date of Diagnosis of the Covered Person’s Advanced Stage Alzheimer’s disease is the date of the Covered Person's inability to perform at least 2 Physical Activities of Daily Living from this disorder, as confirmed by a Physician. For purposes of Initial Premium calculations upon initial eligibility unless otherwise stated, a Covered Person’s age is His Age attained on the date coverage becomes effective for Him under this Policy. 1. For purposes of increases to coverage, including Enrollment Events and Life Status Changes, a Covered Person’s Age, will be His Age as of the effective date of such increase. 2. For purposes of premium calculation for Portability prior to group policy termination, a Covered Person’s Age is His Age as of His last birthday. 3. For the purposes of Portability, except as to premium calculations, Extension of Benefits, Waiver of Premium, or Continuation due to Disability, a Covered Person’s Age is His Age as of His last birthday. 4. For all other purposes, changes in rates due to age including, age-based terminations, a Covered Person’s Age will be His Age on the Policy Anniversary Date coinciding with or following the Covered Person’s birthday. A progressive neurodegenerative disorder that is manifested by a significant cognitive decline from previous general functional level in one or more cognitive domains (attention, learning and memory, executive function, language, perceptual-motor, or social cognition). 1. The cognitive deficit is documented by standardized neuropsychological testing (including but not limited to Wechsler Adult Intelligence Scale (WAIS), the Wechsler Memory Scale (WMS), the Halstead/Reitan Neuropsychological Test Battery, Boston Naming Test, the Dellis-Kaplan Executive Function Scale) or, if not available, another quantified clinical assessment (including but not limited to the Mini-Mental state Examination(MMSE) or the Montreal Cognitive Assessment (MoCA); and

Advanced Stage Alzheimer's Disease

Age

Alzheimer's Disease

2. The cognitive deficits interfere with independence in everyday activities, at a minimum requiring assistance with Instrumental Activities of Daily Living; 3. The cognitive deficits do not occur in the context of, nor do they meet the diagnostic criteria generally- recognized in the medical community for, another mental disorder, including but not limited to delirium, major depressive disorder or schizophrenia; and 4. The physical examination (including neurological examination), laboratory testing, brain CT or MRI results, or the results of any other neurodiagnostic studies, do not point to a different cause of the condition than Alzheimer's Disease. A progressive, degenerative motor neuron disease, marked by muscular weakness and atrophy with spasticity and hyperreflexia due to a loss of motor neurons of the spinal cord, medulla and cortex that results in Impairment. ALS is often referred to as Lou Gehrig’s disease. ''Impairment'' means persistent clinical findings of at least 3 of the following: 1. Trouble swallowing (dysphagia) or choking; 2. Restrictive respiratory distress; 3. Slurring of the speech or dysphonia; 4. Weakness of the extremities; 5. Twitching (fasciculation) of the tongue. The Date of Diagnosis is the date the Covered Person displays Impairment from this disease as confirmed by a neurologist. The period in each calendar year agreed upon by the Employer and Us when an eligible Employee may enroll for or change his or her benefit elections under the Policy as shown in the Schedule of Benefits . The period of time, shown in the Schedule of Benefits , immediately following the effective date of the Covered Person’s coverage, including the effective date of any increase to coverage. No benefits will be paid under the Policy for any Critical Illness Benefits or Optional Benefits for a covered event or a Covered Loss that occurs during the Benefit Waiting Period, as shown in the Schedule of Benefits . A localized mass of abnormal cells in the brain that is non-cancerous, non-inflammatory, and non-infectious. The Date of Diagnosis is the date the tissue specimen is taken on which the diagnosis of Benign Brain Tumor is based. Clinically proven irreversible reduction of sight in both eyes, due to a disease or Sickness resulting in : 1. sight in the better eye reduced to a best corrected visual acuity of less than 6/60 (Metric Acuity) or 20/200 (Snellen or E-Chart Acuity); or 2. visual field restriction to 20 o or less in both eyes. The Date of Diagnosis is the date an ophthalmologist diagnoses an irreversible vision loss. The term includes Invasive Cancer, Carcinoma in Situ and Skin Cancer. The Date of Diagnosis for Cancer is the date the tissue specimen, blood samples, and/or titer(s) are taken on which a new diagnosis of Cancer is based. For purposes of the Initial Critical Illness Benefits, the Date of Diagnosis includes the recurrence or spread (metastasis) of a previously existing diagnosed cancer. A diagnosis that reconfirms a presently existing illness will not be considered a new diagnosis.

Amyotrophic Lateral Sclerosis (ALS )

Annual Group Enrollment Period

Benefit Waiting Period

Benign Brain Tumor

Blindness

Cancer

Carcinoma in Situ

A malignant tumor which has not yet become invasive but is confined only to the superficial layer of cells from which it arose. The term Carcinoma in Situ does not include: 1. pre-malignant conditions or conditions with malignant potential; 2. Skin Cancer; or 3. Invasive Cancer. For purposes of this Covered Condition, prostate cancer that is classified as T-1a, b, or c, N- 0, and M-0 on a TNM classification scale, will be considered Carcinoma in Situ. A non-progressive, developmental brain disorder resulting in impaired motor function, muscle tone, or posture caused by a brain injury or abnormal development of the brain that occurs while a child’s brain is still developing before, during, or within 24 hours of birth. The Date of Diagnosis is the date determined by a Physician that the child, while between the ages of 3 and 6, displayed the clinical findings of the disorder and required assistance with walking, including the use of assistive devices such as braces or other orthotics. The Certificate , including the Certificate Schedule, amendments, riders and supplements, if any, is a written statement prepared by Us to set forth a summary of: 1. benefits to which the Covered Person is entitled; 2. to whom the benefits are payable; and 3. limitations or requirements that may apply. A diagnosis that is based on generally accepted medical principles. This type of diagnosis applies only when: 1. a Pathological Diagnosis cannot be made because it is medically inappropriate or life-threatening; and 2. there is medical evidence to support the diagnosis. A profound state of unconsciousness lasting at least 96 continuous hours as the result of disease or Sickness from which the Covered Person cannot be aroused through visual auditory, and noxious physical stimuli. Coma does not mean any state of unconsciousness intentionally or medically induced from which the Covered Person is able to be aroused. The Date of Diagnosis is the date a Covered Person meets the requirements of a Coma. A narrowing or blockage of the inner lining of the coronary arteries by lipid-bearing plaques. The resulting blockage restricts blood flow to the heart by at least 70% for any one occlusion or 50% for any two or more. The Date of Diagnosis is the date the Physician confirms the required % blockage of the coronary artery. Is a loss that is: 1. specified in the Schedule of Benefits and included in the Description of Coverages ; and 2. suffered by the Covered Person within the applicable time period described in the Schedule of Benefits. An eligible person, as defined in the Schedule of Benefits , who is enrolled and for whom the Evidence of Insurability, where required, has been accepted by Us, required premium has been paid when due and coverage under this Policy remains in force. A disease or Sickness, as diagnosed by a Physician that is specified as a Covered Condition in the Policy where the Date of Diagnosis occurs while coverage is inforce. For purposes of the Policy:

Cerebral Palsy

Certificate

Clinical Diagnosis

Coma

Coronary Artery Disease

Covered Loss

Covered Person

Critical Illness

Amyotrophic Lateral Sclerosis(ALS), Advanced Stage Alzheimer's Disease, Benign Brain Tumor, Blindness, Carcinoma In Situ, Cerebral Palsy, Coma, Coronary Artery Disease, Cystic Fibrosis, End Stage Renal (Kidney) Disease, Heart Attack, Invasive Cancer, Major Organ Failure, Multiple Sclerosis, Muscular Dystrophy, Paralysis, Parkinson's Disease, Poliomyelitis, Skin Cancer, and Stroke A progressive disorder characterized by abnormal gene mutations that affects the mucus producing exocrine glands. The Date of Diagnosis is the date confirmatory IRT Testing via Sweat test is performed. The date a Physician renders the Pathological Diagnosis as defined by the Critical Illness. If a Pathological Diagnosis cannot be made, the date a Physician renders a Clinical Diagnosis. 2. A child who is 26 or more years old, primarily supported by the Employee and incapable of self-sustaining employment by reason of mental or physical handicap. A child, for purposes of this provision, includes an Employee’s: 1. natural child; 2. adopted child, from the earlier of the date the petition for adoption is filed or entry of the child in the adoptive home, or in the case of a child who is in the custody of the state, coverage shall begin at the date of entry of a final decree of adoption. It also means the legally adopted child of the Employee’s Spouse provided the child is living with, and is financially dependent upon the Employee; 3. stepchild who resides with the Employee and is financially dependent upon the Employee; 4. child for whom the Employee is the court-appointed legal guardian , as long as the child resides with the Employee and primarily depends on the Employee for financial support. Financial support means that the Employee is eligible to claim the dependent for purposes of Federal and State income tax returns The cumulative period of time during a continuous period of employment that an Employee must be in Active Service in order to be eligible for coverage under the Policy. It will be extended by the number of days the Employee is not in Active Service. For eligibility purposes, an Employee of the Employer who is in one of the Covered Classes. An Employee’s child who meets the following requirements: 1. A child from live birth to 26 years old; The Subscriber and any affiliates, subsidiaries or divisions shown in the Schedule of Affiliates and which are covered under this Policy on the date of issue or subsequently agreed to by Us. The term ''employer'' refers to an employer of a Spouse. A program established and maintained by the Employer to provide benefits to plan participants and their beneficiaries. The chronic irreversible failure of the function of both kidneys, such that regular hemodialysis or peritoneal dialysis is required to sustain life. The Date of Diagnosis is the date a Physician prescribes that the Covered Person begins dialysis. Evidence of good health that is submitted by the Eligible Person and is satisfactory to Us before the coverage subject to this requirement becomes effective. An eligible person satisfies the insurability requirement on the day We agree in writing to accept him as

Cystic Fibrosis

Date of Diagnosis

Dependent Child

Eligibility Waiting Period

Employee

Employer

Employer’s Plan

End Stage Renal(Kidney) Failure

Evidence of Insurability

insured for the amount subject to this requirement. We may require that the evidence of good health be provided at the eligible person’s expense. Full-time means the number of hours set by the Subscriber as a regular work week for Employees in the Employee’s eligibility class. An identifiable clinical event that results in ischemic death of a portion of the heart muscle confirmed by diagnostic testing through: 1. electrocardiographic (EKG); and, 2. elevation of cardiac enzyme markers of myocardial injury. In the event of death, an autopsy confirmation and/or death certificate identifying myocardial infarction as the cause of death will be accepted. The Date of Diagnosis is the date that the ischemic death of a portion of the heart muscle occurred.

Full-time

Heart Attack

He, His, Him, Himself

Refers to any individual, male or female.

Hospital

An institution that meets all of the following: 1. It is licensed as a Hospital pursuant to applicable law. 2. It is primarily and continuously engaged in providing medical care and treatment to sick and injured persons. 3. It is managed under the supervision of a staff of medical doctors. 4. It provides 24-hour nursing services by or under the supervision of a graduate registered Nurse (R.N.). 5. It has medical, diagnostic and treatment facilities, with major surgical facilities on its premises, or available to it on a prearranged basis. The term Hospital does not include a clinic, facility, or unit of a Hospital for: 1. rehabilitation, convalescent, custodial, educational, hospice or skilled nursing care; 2. the aged, the treatment of drug addiction or alcoholism; or 3. a facility primarily or solely providing psychiatric services to mentally ill patients. The period agreed upon by the Employer and Us when an eligible Employee who was hired on or before the Policy Effective Date may enroll for the first time for coverage under this Policy.

Initial Open Enrollment Period

Injury

Any accidental loss or bodily harm.

Inpatient

A Covered Person who is formally admitted and confined to a Hospital or facility under a Physician's order for a period of time requiring at least one overnight stay and is charged for at least one full day's Hospital room and board. Activities used in measuring levels of personal functioning capacity. These activities are normally performed without assistance allowing personal independence in everyday living. These activities include the following: 1. assistance with light housekeeping, 2. shopping and meal preparation, 3. laundry, 4. medication management, 5. bill paying. 6. ability to access needed services outside of the home for medical professional services or rehabilitative care without assistance. A disease involving an organ of the body which is identified by the presence of malignant cells or a malignant tumor characterized by the uncontrolled and abnormal growth and

Instrumental Activities of Daily Living

Invasive Cancer

spread of invasive malignant cells. The term Invasive Cancer does not include: 1. pre-malignant conditions or conditions with malignant potential; 2. Carcinoma in Situ; 3. Skin Cancer. A life-threatening inability or lack of function of Organs that is the result of Sickness or disease and is not the result of physical Injury or trauma. Major Organ Failure requires a Physician recommend or prescribe that the Covered Person undergo a human to human transplantation of the Organ. If the Covered Person has a combination transplant (i.e. heart and lung), a single benefit amount will be payable. The Date of Diagnosis is the date when the latter of both of the following occurs: 1. the date the Physician diagnoses, prescribes or recommends that the Covered Person undergo the transplant; and 2. the date the Covered Person is placed on a national registry for organ matching administered by UNOS. A chronic, progressive, inflammatory, demyelinating disease involving damage to cells in the brain and spinal cord, and leading to the following Signs: ''Signs'' means: 1. Radiologic findings of plaque upon Magnetic Resonance Imaging (MRI); and 2. Clinical findings of at least 3 of the following motor deficits and 3 of the following sensory deficits: Motor

Major Organ Failure

Multiple Sclerosis

1. weakness; 2. spasticity; 3. atrophy;

4. incontinence; or 5. instability of gait

Sensory

1. loss of sensation (hypoesthesia); 2. self-reported pain; 3. visual disturbances; 4. dizziness or vertigo; or 5. numbness and tingling (paresthesia) The Date of Diagnosis is the date when the latter of both of the following occurs: 1. MRI diagnostic test, or similar diagnostic imagery of the brain; 2. The Covered Person displays clinical Signs of this disease as confirmed by a Neurologist. The definition of Multiple Sclerosis includes Neuromyelitis Optica and Transverse Myelitits. A progressive disorder characterized by abnormal gene mutations that interfere with the production of proteins needed to form healthy muscle. The Date of Diagnosis is the date of confirmatory testing with genetic testing or with a combination of EMG and Muscle Biopsy. Means you have recovered from the Covered Condition for which the Initial Benefit Amount was paid.

Muscular Dystrophy

No Evidence of Active Disease

For Cancer that means a Covered Person with a prior diagnosis and treatment for cancer is considered free of that cancer when: 1. the Covered Person completed the recommended cancer treatment as determined by their treating Physician for the previously existing Cancer; 2. following the completion of the Covered Person’s cancer treatment, a Physician determined that there is no evidence of active primary malignant disease as confirmed by a Physician by all of the following: 1. negative special blood studies (e.g., Carcinoembryonic Antigen (CEA); 2. for non-blood cancers and solid tumors, negative special imagery studies (e.g., Magnetic Resonance Imagery (MRI), Computerized Tomography (CT), Positron Emission Tomography (PET scan). For Stroke, that means the Covered Person was discharged from the Inpatient hospital stay for which an Initial Critical Illness Benefit has been paid. For Heart Attack that means the Covered Person: 1. has an absence of hyperkinesis of the non-infarcted myocardium, as demonstrated by a stable ventricular ejection fraction for a post-myocardial infarction patient; and 2. was discharged from the Inpatient hospital stay for which an Initial Critical Illness Benefit has been paid. For Coronary Artery Disease that means the Covered Person has a subsequent diagnosis of Coronary Artery Disease and the previously existing coronary artery obstruction has been corrected as evidenced by adequate blood flow being demonstrated. For Major Organ Failure it means it is for a different Organ for which a(n) Initial Critical Illness Benefit has been paid. A licensed graduate registered nurse (R.N.), a licensed practical nurse (L.P.N.), or a licensed vocational nurse (L.V.N.) who is not: 1. employed or retained by the Subscriber; 2. living in the Covered Person’s household; or 3. a parent, sibling, spouse or child of the Covered Person. Liver, lung or lungs, pancreas, kidney, heart or bone marrowincluding blood forming stem cell. A Covered Person who receives medical tests, treatment, or services from an Ambulatory Surgical Center, Hospital, lab, medical clinic, Physician’s office, or radiologic center and is not confined for a day's room and board. The complete, irreversible and permanent loss of the use of two or more non-severed limbs, as a result of a disease or Sickness. Paralysis as a result of Stroke, Multiple Sclerosis, and Cerebral Palsy is excluded. The Date of Diagnosis is the date a Physician makes a diagnosis based on clinical and/or laboratory findings as supported by the Covered Person’s medical records. A progressive, degenerative neurologic disease that is characterized by loss of the neurotransmitter dopamine and leads to the following Signs: ''Signs'' means clinical findings of at least 3 of the following: 1. tremors at rest; 2. slowed, physical movement (bradykensia) or difficulty initiating movement; 3. difficulty with speech (monotone voice, lack of inflection, etc.); 4. muscular rigidity;

Nurse

Organ

Outpatient

Paralysis

Parkinson's Disease

5. inexpressive face; 6. festinating gait; 7. rapid, persistent blinking (blephoraspasm). The Date of Diagnosis is the date the Covered Person displays Signs of this disease as confirmed by a Neurologist. Regularly working the number of hours set by the Subscriber as a regular work week for Employees, other than Full-time, temporary or seasonal, in the Employee’s eligibility class. A diagnosis that is based on a microscopic study of fixed tissue or preparations from the hemic (blood) system. This type of diagnosis must be done by a certified Pathologist whose diagnosis of malignancy is in keeping with the standards set up by the American Board of Pathology. A Physician who is licensed to practice pathological anatomy by the American Board of Pathology. Pathologist also means an osteopathic pathologist who is certified by the Osteopathic Board of Pathology. Activities used in measuring levels of personal functioning capacity. These activities are normally performed without assistance, allowing personal independence in everyday living. These activities include the following: 1. Transfer and mobility - The ability to move into or out of a bed, chair or wheelchair or to move from place to place, either via walking, a wheelchair, cane, crutches, walker or other equipment; 2. Continence - The ability to maintain control of bowel and bladder function; or, when unable to maintain control of bowel or bladder function, the ability to perform associated personal hygiene (including caring for catheter, urostomy, or colostomy bag); 3. Dressing – Putting on and taking off all items of clothing and any necessary braces, fasteners or artificial limbs; 4. Toileting – Getting to and from the toilet, transferring on and off the toilet and performing associated personal hygiene; 5. Eating – Feeding oneself by consuming food or fluids manually from a receptacle (such as a plate, cup or table); or 6. Bathing - Washing oneself by sponge bath; or in either a tub or a shower, including the task of getting into or out of the tub or shower. A licensed medical, osteopathic or podiatric practitioner who is practicing within the scope of his license and who is licensed to prescribe and administer medication and to perform surgery that is appropriate for the condition and locality and who is not: 1. employed or retained by the Subscriber; 2. living in the Covered Person’s household; or 3. a parent, sibling, spouse or child of the Covered Person. An acute, infectious disease caused by the poliovirus, characterized by fever, motor paralysis and atrophy of skeletal muscles, marked by inflammation of nerve cells in the anterior horns of the spinal cord, and leading to the following Signs: ''Signs'' means: Flaccid motor weakness or loss of motor function, and two of the following: 1. Muscular weakness; 2. Loss of muscle mass (atrophy); 3. Loss of muscle tone; 4. Loss of deep tendon reflexes. Poliomyelitis does not include non-paralytic (abortive) polio or post-polio syndrome.

Part-Time

Pathological Diagnosis

Pathologist

Physical Activities of Daily Living

Physician

Poliomyelitis

The Date of Diagnosis is the date when the latter of both of the following occurs: 1. The date the confirmatory sample of throat secretions, stool or cerebrospinal fluid that shows the presence of the poliovirus is taken; 2. The Covered Person displays clinical Signs of this disease as confirmed by a Physician. The plan of insurance providing similar benefits sponsored by the Employer and in effect directly prior to the Policy Effective Date. A Prior Plan will include the plan of an employer in effect on the day prior to: 1. that employer’s addition to this policy; or 2. with Our approval, the addition of all employees, or all of a defined group of employees, of an employer, as a result of an agreement to which that employer (or a parent or shareholder of that employer is a party with the Subscriber. For purposes of this policy, means: 1. The return of signs and symptoms of a medical condition or disease with the reappearance of the same histologic pathology. 2. The signs and symptoms of a medical condition or disease that occurs again (reoccurs) with or without a shared or related histologic pathology to a previous disease or condition.

Prior Plan

Recurrence

Sickness

A physical or mental illness.

Skin Cancer

An uncontrolled growth of abnormal skin cells that is: 1. basal cell carcinoma or 2. squamous cell carcinoma or 3. melanoma that is diagnosed as Clark’s Level I or II or Breslow less than 0.75mm The Employee’s current lawful Spouse who is at least Age 18 for any coverage requiring Evidence of Insurability but not yet Age 100. Except for purposes of determining initial eligibility, the term includes a Spouse who is widowed or divorced or legally separated from an Employee. The term includes a common-law Spouse who is recognized as a common- law Spouse under the laws of the jurisdiction where the common-law marriage was formed. A cerebrovascular event resulting in: 1. damage of brain tissue as a result of ischemia or hemorrhage and confirmed by findings on neuroimaging studies, including Brain CT, MRI, MRA or similar diagnostic study, or a lumbar puncture (spinal tap); and 2. at least 96 hours after the event: a. a. clinical evidence of persistent neurological deficits diagnosed by a Physician; or b. b. confirmatory findings on neuroimaging studies, including Brain CT, MRI, MRA, or similar diagnostic study, or lumbar puncture (spinal tap) consistent with a cerebrovascular event.

Spouse

Stroke

Stroke does not include:

1. transient ischemic attack; 2. brain injury related to trauma or infection;

3. brain injury associated with hypoxia or anoxia; 4. vascular disease affecting the eye or optic nerve; or 5. ischemic disorders of the vestibular system. In the event of death, an autopsy confirmation and/or death certificate identifying Stroke, as defined in the Policy, as the cause of death will be accepted. The Date of Diagnosis is the date the cerebrovascular event occurs, and confirmed by:

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