Life and AD&D

The Hartford

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/prosperisd

EMPLOYEE BENEFITS

The Group Term Life and Accidental Death and Dismemberment (AD&D) insurance available through your employer gives extra protection that you and your family may need. Life and AD&D insurance offers financial protection by providing you coverage in case of an untimely death or an accident that destroys your income- earning ability. Life benefits are disbursed to your beneficiaries in a lump sum in the event of your death. Life Insurance Coverage Information

APPLICANT

Employee BASIC COVERAGE Reductions at age 65 and 70 Benefit: $10,000 AD&D: Included

Spouse Not Included

Child(ren) Not Included Benefit: Increments of $5,000 Maximum: $10,000

Accidental Death and Dismemberment (AD&D) Coverage Information APPLICANT AD&D COVERAGE Employee SUPPLEMENTAL COVERAGE Benefit: Increments of $10,000 Maximum: the lesser of 5x earnings or $500,000 Benefit: Increments of $10,000 Maximum: the lesser of 100% of your supplemental coverage or $250,000

Group Voluntary Accidental Death & Dismemberment (AD&D) insurance pays your beneficiary a death benefit if you die due to a covered accident or pays you if you are unexpectedly injured in a covered accident. The benefits are paid in lump sum amounts to you (or your beneficiary) and can be used to pay for health care expenses not covered by your major medical insurance, help replace income lost while not working, funeral expenses, or however you choose. Accidental death benefits are paid in addition to any life insurance.

Dependent(s)

Benefit2: Increments of $10,000 Maximum: the lesser of 5x earnings or $500,000 Your dependent(s) will be covered at a percentage of your coverage amount. COVERAGE TIER SPOUSE PERCENTAGE CHILD(REN) PERCENTAGE Spouse Child(ren) 50% 0% 0% 15% Spouse & Child(ren) 40% 10% AD&D BENEFITS – PERCENT OF COVERAGE AMOUNT PER ACCIDENT Covered accidents or death can occur up to 365 days after the accident. The total benefit for all losses due to the same accident will not exceed 100% of your coverage amount. LOSS FROM ACCIDENT BASIC COVERAGE VOLUNTARY COVERAGE Life 100% 100% Both Hands or Both Feet or Sight of Both Eyes 100% 100% 29

The Hartford

EMPLOYEE BENEFITS

LOSS FROM ACCIDENT (cont’d) One Hand and One Foot BASIC COVERAGE VOLUNTARY COVERAGE 100% 100%

Speech and Hearing in Both Ears Either Hand or Foot and Sight of One Eye Movement of Both Upper and Lower Limbs (Quadriplegia) Movement of Both Lower Limbs (Paraplegia) Movement of Three Limbs (Triplegia) Movement of the Upper and Lower Limbs of One Side of the Body (Hemiplegia) Either Hand or Foot 100% 100% 100% 75% 75% 50% 50% 100% 100% 100% 75% 75% 50% 50%

Sight of One Eye

Speech or Hearing in Both Ears Movement of One Limb (Uniplegia) 50%

50% 25% 50%

50% 25% Thumb and Index Finger of Either Hand 25% 25%

Your benefit will be reduced by 35% at age 65 and 50% at age 70. Reductions will be applied to the original amount. ADDITIONAL SERVICES If you are enrolled in insurance coverage with The Hartford, you may also be eligible to receive additional services at no cost to you. These services help with challenges that come before and after a claim. Be sure to read the information provided below; The Hartford wants to be there when you need us.

COVERAGE ENROLLED IN ADDITIONAL SERVICES AVAILABLE Life & Accidental Death and Dismemberment • Beneficiary Assist® Counseling Services • EstateGuidance® Will Services • Funeral Planning and Concierge Services • Travel Assistance Services with ID Theft Protection and Assistance Refer to your benefit website for details on these additional services.

LIMITS AND EXCLUSIONS This insurance coverage includes certain limitations and exclusions. The certificate details all provisions, limitations, and exclusions for this insurance coverage. A copy of the certificate can be obtained at www.mybenefitshub.com/prosperisd.com under the Basic Life and Voluntary Life Sections. Voluntary Group Life - per $10,000 in coverage Monthly Premium

Age <24 25-29 30-34

Employee $0.40 $0.50 $0.65

Spouse $0.50 $0.60 $0.80

35-39 40-44 45-49 50-54 55-59 60-64 $0.70 $0.80 $1.20 $1.80 $3.40 $5.20 $0.90 $1.00 $1.50 $2.30 $4.20 $6.50

65-69 $12.50

$12.50 70+ $20.30 $20.30 Spouse rates are based on Employee's age and cannot exceed 100% of the employees supplemental life amount. Voluntary Group Life - Child(ren) Monthly Premium Age $5,000 $10,000 0-26 $1.00 $2.00 AD&D (per $10,000) Monthly Premium Employee Only $0.20

Family $0.40