2020 211239 - CI 3.5 Plan Summary - 10.2019

Mid-America Apartment Communities

Critical Illness Insurance Plan Summary

COVERAGE OPTIONS

Critical Illness Insurance

Eligible Individual

Initial Benefit

Requirements

Employee

$10,000 or $20,000

Coverage is guaranteed provided you are actively at work. 3

Spouse/Domestic Partner 1

50% of the employee’s Initial Benefit

Coverage is guaranteed provided the employee is actively at work and the spouse/domestic partner is not subject to a medical restriction as set forth on the enrollment form and in the Certificate. 3 Coverage is guaranteed provided the employee is actively at work and the dependent is not subject to a medical restriction as set forth on the enrollment form and in the Certificate. 3

Dependent Child(ren) 2

50% of the employee’s Initial Benefit

BENEFIT PAYMENT Your Initial Benefit provides a lump-sum payment upon the first diagnosis of a Covered Condition. Your plan pays a Recurrence Benefit 4 for the following Covered Conditions: Heart Attack, Stroke, Coronary Artery Bypass Graft, Full Benefit Cancer and Partial Benefit Cancer. A Recurrence Benefit is only available if an Initial Benefit has been paid for the Covered Condition. There is a Benefit Suspension Period between Recurrences. The maximum amount that you can receive through your Critical Illness Insurance plan is called the Total Benefit and is 3 times the amount of your Initial Benefit. This means that you can receive multiple Initial Benefit and Recurrence Benefit payments until you reach the maximum of 300% or $30,000 or $60,000.

Please refer to the table below for the percentage benefit amount for each Covered Condition.

Covered Conditions

Initial Benefit

Recurrence Benefit 50% of Initial Benefit

Full Benefit Cancer 5

100% of Initial Benefit

Partial Benefit Cancer 5

25% of Initial Benefit

12.5% of Initial Benefit

Heart Attack

100% of Initial Benefit

50% of Initial Benefit

Stroke 6

100% of Initial Benefit

50% of Initial Benefit

Coronary Artery Bypass Graft 7

100% of Initial Benefit

50% of Initial Benefit

Kidney Failure

100% of Initial Benefit

Not applicable

Alzheimer’s Disease 8

100% of Initial Benefit

Not applicable

Major Organ Transplant Benefit

100% of Initial Benefit

Not applicable

22 Listed Conditions

25% of Initial Benefit

Not applicable

22 Listed Conditions MetLife Critical Illness Insurance will pay 25% of the Initial Benefit Amount when a covered person is diagnosed with one of the 22 Listed Conditions. A Covered Person may only receive one benefit payment for one Listed Condition in his/her lifetime. The Listed Conditions are Addison’s disease (adrenal hypofunction); amyotrophic lateral sclerosis (Lou Gehrig’s disease); cerebrospinal meningitis (bacterial); cerebral palsy; cystic fibrosis; diphtheria; encephalitis; Huntington’s disease (Huntington’s chorea); Legionnaire’s disease; malaria; multiple sclerosis (definitive diagnosis); muscular dystrophy; myasthenia gravis; necrotizing fasciitis; osteomyelitis; poliomyelitis; rabies; sickle cell anemia (excluding sickle cell trait); systemic lupus erythematosus (SLE); systemic sclerosis (scleroderma); tetanus; and tuberculosis.

ADF# CI1851.18

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