Critical Illness

UnitedHealthcare

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/legacypca

EMPLOYEE BENEFITS

Base Conditions Benign Brain Tumor Cancer – Invasive Cancer - Non-Invasive Chronic Renal Failure Coma Coronary Artery Disease Heart Attack Heart Failure Major Organ Failure

Permanent Paralysis Ruptured Aneurysm Stroke Additional Conditions Amyotrophic lateral sclerosis (ALS) Complete Blindness Complete Loss of Hearing Advanced Alzheimer’s Advanced Multiple Sclerosis Advanced Parkinson’s Child Only Conditions Cerebral Palsy Cleft Lip / Palate Cystic Fibrosis Down Syndrome Muscular Dystrophy Spina Bifida

Reoccurrence Benefit Additional Occurrence Wellness Benefit Rider Portability

Age Reduction Pre-existing Conditions Exclusion

Covered Critical Illness Conditions Percentage of Maximum Benefit Amount payable per Covered Person or Dependent 100% 100% 25% 100% 100% 25% 100% 100% 100%

100% 100% 100%

100% 100% 100% 100% 100% 100% Percentage of Maximum Child Benefit Amount payable per Covered Child (One benefit payable per Covered Child) 25% of Employee's Amount 25% of Employee's Amount 25% of Employee's Amount 25% of Employee's Amount 25% of Employee's Amount 25% of Employee's Amount Additional Benefits 100% of Benefit Amount for Base Conditions payable per Covered Person or Dependent 100% of the benefit amount payable per covered employee or dependent for a different covered condition. $50, Employee Paid for Employee and Insured Spouse Included

Limitations and Exclusions 50% of the original amount at age 70. Coverage terminates at retirement. 6 months prior to and 6 months following coverage effective date