Critical Illness

Unum

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/lovejoyisd

EMPLOYEE BENEFITS

Who is eligible for this coverage?

All employees in active employment in the United States working at least 15 hours per week and their eligible spouses and children (up to age 26 regardless of student or marital status). What are the Critical Illness coverage amounts?

The following coverage amounts are available.

For you: $10,000, $20,000 or $30,000

For your Spouse: 50% of employee coverage amount

For your Children: 50% of employee coverage amount Progressive Diseases Amyotrophic Lateral Sclerosis (ALS) Dementia (including Alzheimer’s Disease) Functional Loss 100% 100% 100%

Multiple Sclerosis (MS) Parkinson’s Disease 100% 100%

Additional Critical Illnesses for your Children Cerebral Palsy Cleft Lip or Palate Cystic Fibrosis Down Syndrome Spina Bifida 100% 100% 100% 100% 100%

*Please refer to the policy for complete definitions of covered conditions. What critical illness conditions are covered? Covered Condition Benefit

Covered Conditions* Critical Illnesses Coronary Artery Disease (major) Coronary Artery Disease (minor) End Stage Renal (Kidney) Failure Heart Attack (Myocardial Infarction) Major Organ Failure Requiring Transplant Stroke

Percentage of Coverage Amount

50% 10% 100% 100% 100% 100%

Cancer Invasive Cancer (including all Breast Cancer) 100% Non-Invasive Cancer 25% Skin Cancer $500 Supplemental Critical Illnesses Benign Brain Tumor 100% Coma 100% Loss of Hearing 100% Loss of Sight 100% Loss of Speech 100% Infectious Disease 25% Occupational Human Immunodeficiency 100%Virus (HIV) or Hepatitis Permanent Paralysis 100% The covered condition benefit is payable once per covered condition per insured. Unum will pay a covered condition benefit for a different covered condition if: —the new covered condition is medically unrelated to the first covered condition; or —the dates of diagnosis are separated by more than 180 days. Reoccurring Condition Benefit We will pay the reoccurring condition benefit for the diagnosis of the same covered condition if the covered condition benefit was previously paid and the new date of diagnosis is more than 180 days after the prior date of diagnosis. The benefit amount for any reoccurring condition benefit is 100% of the percentage of coverage amount for that condition. The following Covered Conditions are eligible for a reoccurring condition benefit:

• Benign Brain Tumor • Heart Attack (Myocardial

Infarction) • Coma • Invasive Cancer (includes all

Breast Cancer) • Coronary Artery Disease (Major) • Major Organ Failure Requiring

Transplant • Coronary Artery Disease (Minor) • Non-Invasive Cancer • End Stage Renal (Kidney)

Failure • Stroke

Unum

EMPLOYEE BENEFITS

Critical Illness

Option 1 $10,000 EE, $5,000 SP Option 2 $20,000 EE, $10,000 SP

Option 3 $30,000 EE, $15,000 SP Age Employee Cost Spouse Cost Employee Cost Spouse Cost Employee Cost Spouse Cost Less than age 25 $1.80 $0.90 $3.60 $1.80 $5.40 $2.70 25-29 $2.60 $1.30 $5.20 $2.60 $7.80 $3.90

30-34 35-39 $3.60 $5.30 $1.80 $2.65 $7.20 $10.60 $3.60 $5.30 $10.80 $15.90 $5.40 $7.95

40-44 $7.50 $3.75 $15.00 $7.50 $22.50 $11.25

45-49 50-54 55-59 60-64 65-69 70-74 75-79 $10.40 $13.80 $19.30 $27.60 $40.50 $63.50 $93.60

80-84

$136.10 85 or over $219.40

$5.20 $6.90 $9.65 $13.80 $20.25 $31.75 $46.80 $68.05 $109.70 $20.80 $27.60 $38.60 $55.20 $81.00 $127.00 $187.20 $272.20 $438.80 $10.40 $13.80 $19.30 $27.60 $40.50 $63.50 $93.60 $136.10 $219.40 $31.20 $41.40 $57.90 $82.80 $121.50 $190.50 $280.80 $408.30 $658.20 $15.60 $20.70 $28.95 $41.40 $60.75 $95.25 $140.40 $204.15 $329.10