Critical Illness

Aflac

ABOUT CRITICAL ILLNESS

Critical illness insurance can be used towards medical or other expenses. It provides a lump sum benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke. The money can also be used for non-medical costs related to the illness, including transportation, child care, etc.

For full plan details, please visit your benefit website: www.mybenefitshub.com/annaisd

EMPLOYEE BENEFITS

Critical Illness Monthly Premiums* Employee $10,000.00 $20,000.00 18-29 $5.44 $9.48 30-39 $8.15 $14.90 40-49 $11.80 $22.21 Please refer to the benefits portal at www.mybenefitshub.com/ annaisd under the Critical Illness Section for full benefit provisions and descriptions.

* Rates shown are for employee only options. More plan and age bands on your benefit website, including spouse coverage.

Plan Benefits

Base Benefits Heart Attack (Myocardial Infarction) Sudden Cardiac Arrest

100% 100%

Coronary Artery Bypass Surgery Major Organ Transplant (25% of this benefit is payable for Insureds placed on a transplant list for a major organ transplant) Bone Marrow Transplant (Stem Cell Transplant) Kidney Failure (End-Stage Renal Failure) Stroke (Ischemic or Hemorrhagic) Cancer Benefits Cancer (Internal or Invasive) Non-Invasive Cancer Skin Cancer 25% 100% 100% 100% 100%

100% 25% $250 per calendar year

Health Screening Benefit Health Screening (payable for employee and spouse only) $50 per calendar year Additional Benefits Coma 100% Severe Burns 100% Paralysis 100% Loss of Sight 100% Loss of Speech 100% Loss of Hearing 100% Optional Benefits Rider Advanced Alzheimer's Disease 25% Advanced Parkison's Disease 25% Benign Brain Tumor 100% Progressive Diseases Rider Amyotraphic Lateral Sclerosis (ALS) 100% Multiple Sclerosis (MS) 100%

Lincoln Financial Group

ABOUT LIFE AND AD&D

Group term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well-being of your family. Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered. For full plan details, please visit your benefit website: www.mybenefitshub.com/annaisd

EMPLOYEE BENEFITS

Voluntary Life Benefits At-A-Glance

Employee Guaranteed coverage amount during initial offering or approved special enrollment period Newly hired employee guaranteed coverage amount $250,000

$250,000

Continuing employee guaranteed coverage annual increase amount Choice of $10,000 or $20,000

Maximum coverage amount

Minimum coverage amount

5 times your annual salary ($500,000 maximum in increments of $10,000) $10,000

Spouse Guaranteed coverage amount during initial offering or approved special enrollment period Newly hired employee guaranteed coverage amount $30,000

$30,000

Continuing employee guaranteed coverage annual increase amount Choice of $5,000 or $10,000

Maximum coverage amount 150% of the employee coverage amount ($100,000 maximum in increments of $5,000)

Minimum coverage amount Dependent Children Day 1 months to age 26 guaranteed coverage amount $5,000

$10,000

What your benefits cover

Employee Coverage Guaranteed Life Insurance Coverage Amount • Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to $250,000 without providing evidence of insurability. • Annual Limited Enrollment: If you are a continuing employee, you can increase your coverage amount by $10,000 or • $20,000 without providing evidence of insurability . If you submitted evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability. • If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense. • You can increase this amount by up to $20,000 during the next limited open enrollment period. Maximum Life Insurance Coverage Amount • You can choose a coverage amount up to 5 times your annual salary ($500,000 maximum) with evidence of insurability.

See the Evidence of Insurability page for details. • Your coverage amount will reduce by 50% when you reach age 70 Spouse Coverage You can secure term life insurance for your spouse if you select coverage for yourself. Guaranteed Life Insurance Coverage Amount • Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to 50% of your coverage amount ($30,000 maximum) for your spouse without providing evidence of insurability. • Annual Limited Enrollment: If you are a continuing employee, you can increase the coverage amount for your spouse by • $5,000 or $10,000 without providing evidence of insurability.

If you submitted evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability. • If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense. • You can increase this amount by up to $10,000 during the next limited open enrollment period. Maximum Life Insurance Coverage Amount • You can choose a coverage amount up to 50% of your coverage amount ($250,000 maximum) for your spouse with evi-

Lincoln Financial Group

dence of insurability. • Coverage amounts are reduced by 50% when an employee reaches age 70. Dependent Children Coverage You can secure term life insurance for your dependent children when you choose coverage for yourself to age 26 • Guaranteed Life Insurance Coverage Options: $10,000. Voluntary AD&D Benefits At-A-Glance

• Provides a cash benefit to your loved ones if you die in an accident • Provides a cash benefit to you if you suffer a covered loss in an accident • Features group rates for Anna Independent School District employees • Includes LifeKeys® services, which provide access to counseling, financial, and legal support • Also includes TravelConnectSM services, which give you and your family access to emergency medical assistance when you’re on a trip 100+ miles from home Employee • Maximum coverage amount: 5 times your annual salary ($500,000 maximum) in $10,000 increments • Minimum coverage amount: $10,000 • Your employee AD&D coverage amount will reduce by 50% when you reach age 70. Benefits end when you retire. Spouse • You can secure AD&D insurance for your spouse if you select coverage for yourself. • Maximum coverage amount: 50% of the employee coverage amount ($250,000 maximum) in $5,000 increments • Minimum coverage amount: $5,000 • The spouse AD&D coverage amount will reduce by 50% when you reach age 70. Benefits end when you retire. Dependent Children • You can secure AD&D insurance for your dependent children when you choose coverage for yourself. • 6 months to age 26 Maximum coverage amount: Up to $100,000 in $1,000 increments • Minimum coverage amount: $1,000 • Age 1 Day to 6 months Maximum coverage amount: $1,000. This is a summary of limited benefits and complete details can be found at www.mybenefitshub.com/annaisd under the AD&D section of the portal.

EMPLOYEE BENEFITS

Voluntary Group Life Monthly Premiums (per $10,000 in coverage)

Age Employee <20-29 $0.60 30-34 $0.80 35-39 $0.90 40-44 $1.10 45-49 $1.66 50-54 $2.62 55-59 $4.30 60-64 $6.60 65-69 $12.70 70+ $22.28

Spouse Rates are based on Employee's age and cannot exceed Voluntary Group Life: Child(ren) Monthly Premiums ($10,000 in coverage) 0-26 $2.51 AD&D Monthly Premiums Per $10,000 $0.19