2024 LGBS Benefit Guide by Higginbotham Public Sector

2024 Plan Year

LGBS

BENEFIT GUIDE EFFECTIVE: 01/01/2024 - 12/31/2024 WWW.MYBENEFITSHUB.COM/LGBS

Table of Contents

How to Enroll

4-5

Annual Benefit Enrollment

6-11

1. Benefit Updates

2. Eligibility Requirements

3. Helpful Definitions

Basic Life and AD&D

Hospital Indemnity

Disability

Accident

12-13

Critical Illness

14-15

Voluntary Life and AD&D

Individual Life

FLIP TO...

PG. 4

HOW TO ENROLL

PG. 6

SUMMARY PAGES

PG. 9

YOUR BENEFITS

Benefit Contact Information BENEFIT ADMINISTRATORS

LGBS DIRECTOR OF BENEFITS

LGBS BENEFITS COORDINATOR

Financial Benefit Services Ann Brownlee, Account Executive 210-243-1337 annb@fbsbenefits.com

Patricia Crowell patricia.crowell@lgbs.com

Stephanie Most stephanie.most@lgbs.com

BENEFITS ADMINISTRATIVE ASST. Madalyn Martinez madalyn.martinez@lgbs.com

LGBS GENERAL BENEFITS INFORMATION AustinHR-Benefits@lgbs.com

HOSPITAL INDEMNITY

DISABILITY

CHUBB (888) 499-0425

AUL a OneAmerica Company Group #614838 (800) 553-5318 Claims: (855) 517-6365 www.oneamerica.com INDIVIDUAL LIFE 5Star Life Insurance Company (866) 863-9753 www.5starlifeinsurance.com

CRITICAL ILLNESS VOYA Group #694819 (800) 955-7736 www.voya.com

BASIC & VOLUNTARY LIFE AND AD&D AUL a OneAmerica Company Group #614838 (800) 553-5318 www.oneamerica.com ACCIDENT VOYA Group #694819 (800) 955-7736 www.voya.com

All Your Benefits One App Employee benefits made easy through the FBS Benefits App! Text “FBS LGBS” to (800) 583-6908 and get access to everything you need to complete your benefits enrollment:

Text “FBS LGBS” to (800) 583-6908

• Benefit Resources • Online Enrollment • Interactive Tools • And more!

App Group #: FBSLGBS

OR SCAN

How to Log In 1

www.mybenefitshub.com/lgbs

CLICK LOGIN

Follow the prompts for 2-factor authentication. For assistance call 866-914-5202.

Annual Benefit Enrollment Benefit Updates - What’s New: Some benefits for the 2024 plan year have enhanced benefits and reduced premiums. Critical Illness through Voya - increased benefit amounts and decreased premium. Accident Insurance through Voya - premium decrease. Hospital Indemnity - now through Chubb Insurance. This plan has been enhanced with added benefits including newborn nursery and observation unit benefits, and lower premiums! Voluntary Life through OneAmerica - for those currently enrolled in employee voluntary life, you may increase your amount by $10,000 with no medical questions asked, up to your guaranteed amount. Restrictions may apply. Eligible amounts will show during your enrollment process.

Don’t Forget!

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Enrollment assistance is available by calling Financial Benefit Services at (866) 914-5202.

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Update your information: home address, phone numbers, email, and beneficiaries.

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REQUIRED!! Due to the Affordable Care Act (ACA) reporting requirements, you must add your dependent’s CORRECT social security numbers in the online enrollment system. If you have questions, please contact your Benefits Administrator.

SUMMARY PAGES

Annual Benefit Enrollment

SUMMARY PAGES

Employee Eligibility Requirements

Dependent Eligibility Requirements

Medical and Supplemental Benefits: Eligible employees must work 20 or more regularly scheduled hours each work week.

Dependent Eligibility: You can cover eligible dependent children under a benefit that offers dependent coverage, provided you participate in the same benefit, through the maximum age listed below. Dependents cannot be double covered by married spouses within the district as both employees and dependents.

Eligible employees must be actively at work on the plan effective date for new benefits to be effective, meaning you are physically capable of performing the functions of your job on the first day of work concurrent with the plan effective date. For example, if your 2024 benefits become effective on January 1, 2024, you must be actively-at-work on January 1, 2024 to be eligible for your new benefits. PLAN

MAXIMUM AGE

Accident

Up to 26

Hospital Indemnity

Up to 26

Critical Illness

Up to 26

Voluntary Life

Up to 26

Individual Life

Up to 23

If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your HR/Benefit Administrator to request a continuation of coverage.

Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents. Potential Spouse Coverage Limitations: When enrolling in coverage, please keep in mind that some benefits may not allow you to cover your spouse as a dependent if your spouse is enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on spouse eligibility. FSA/HSA Limitations: Please note, in general, per IRS regulations, married couples may not enroll in both a Flexible Spending Account (FSA) and a Health Savings Account (HSA). If your spouse is covered under an FSA that reimburses for medical expenses then you and your spouse are not HSA eligible, even if you would not use your spouse’s FSA to reimburse your expenses. However, there are some exceptions to the general limitation regarding specific types of FSAs. To obtain more information on whether you can enroll in a specific type of FSA or HSA as a married couple, please reach out to the FSA and/or HSA provider prior to enrolling or reach out to your tax advisor for further guidance. Potential Dependent Coverage Limitations: When enrolling for dependent coverage, please keep in mind that some benefits may not allow you to cover your eligible dependents if they are enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on dependent eligibility. Disclaimer: You acknowledge that you have read the limitations and exclusions that may apply to obtaining spouse and dependent coverage, including limitations and exclusions that may apply to enrollment in Flexible Spending Accounts and Health Savings Accounts as a married couple. You, the enrollee, shall hold harmless, defend, and indemnify Financial Benefit Services, LLC from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of the enrollee’s enrollment in spouse and/or dependent coverage, including enrollment in Flexible Spending Accounts and Health Savings Accounts.

SUMMARY PAGES

Helpful Definitions Actively-at-Work

In-Network

You are performing your regular occupation for the employer on a full-time basis, either at one of the employer’s usual places of business or at some location to which the employer’s business requires you to travel. If you will not be actively at work beginning 1/1/2024 please notify your benefits administrator.

Doctors, hospitals, optometrists, dentists and other providers who have contracted with the plan as a network provider.

Annual Enrollment The period during which existing employees are given the opportunity to enroll in or change their current elections.

Annual Deductible The amount you pay each plan year before the plan begins to pay covered expenses.

Calendar Year January 1st through December 31st

Co-insurance After any applicable deductible, your share of the cost of a covered health care service, calculated as a percentage (for example, 20%) of the allowed amount for the service.

Guaranteed Coverage The amount of coverage you can elect without answering any medical questions or taking a health exam. Guaranteed coverage is only available during initial eligibility period. Actively-at-work and/or pre existing condition exclusion provisions do apply, as applicable by carrier. 8

Out-of-Pocket Maximum The most an eligible or insured person can pay in co insurance for covered expenses.

Plan Year January 1st through December 31st

Pre-Existing Conditions Applies to any illness, injury or condition for which the participant has been under the care of a health care provider, taken prescriptions drugs or is under a health care provider’s orders to take drugs, or received medical care or services (including diagnostic and/or consultation services).

Life and AD&D

AUL a OneAmerica Company

EMPLOYEE BENEFITS

What you need to know about your Basic Life and AD&D Benefits Guaranteed Issue:

Employee: $15,000

Accidental Death and Dismemberment (AD&D): Additional life insurance benefits may be payable in the event of an accident which results in death or dismemberment as defined in the contract. Additional AD&D benefits include seat belt, air bag, repatriation, child higher education, child care, paralysis/loss of use, severe burns, disappearance, and exposure.

Accelerated Life Benefit: If diagnosed with a terminal illness and have less than 12 months to live, you may apply to receive 25%, 50% or 75% of your life insurance benefit to use for whatever you choose. Reductions: Upon reaching certain ages, your original benefit amount will reduce to the percentage shown in the following schedule. Age: 65 70 75 80 Reduces To: 65% 40% 25% 15%

Basic Employee Life and AD&D Coverage Your Life and AD&D insurance coverage amount is $15,000. Coverage is provided at no cost to you.

Hospital Indemnity

EMPLOYEE BENEFITS

Chubb

ABOUT HOSPITAL INDEMNITY This is an affordable supplemental plan that pays you should you be in patient hospital confined. This plan complements your health insurance by helping you pay for costs left unpaid by your health insurance. For full plan details, please visit your benefit website: www.mybenefitshub.com/lgbs

Hospital Cash It’s not easy to pay hospital bills, especially if you have a high deductible medical plan. Chubb Hospital Cash pays money directly to you if you are hospitalized so you can focus on your recovery. And since the cash goes directly to you, there are no restrictions on how you use your money. Hospitalization and Rehabilitation Benefits Hospital Admission Benefit This benefit is for admission to a hospital or hospital sub-acute intensive care unit. Hospital Admission ICU Benefit This benefit is for admission to a hospital intensive care unit. Hospital Confinement Benefit This benefit is for confinement in hospital or hospital sub-acute intensive care unit. Hospital Confinement ICU Benefit The benefit for confinement in a hospital intensive care unit. Newborn Nursery Benefit This benefit is payable for an insured newborn baby receiving newborn nursery care and who is not confined for treatment of a physical illness, infirmity, disease, or injury. Observation Unit Benefit This benefit is for treatment in a hospital observation unit for a period of less than 20 hours. Rehabilitation Unit Confinement Benefit This benefit is for confinement in a rehabilitation unit. Wellness Benefit

Hospital Indemnity Plan Plan 1

Plan 2

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$1,000 Maximum Benefit Per Calendar Year: 5

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$2,000 Maximum Benefit Per Calendar Year: 5

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$2,000 Maximum Benefit Per Calendar Year: 5

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$4,000 Maximum Benefit Per Calendar Year: 5

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$100 Per Day Days 2 through 31 Maximum Days Per Calendar Year: 30 $200 Per Day Days 2 through 31 Maximum Days Per Calendar Year: 30 $500 Per Day Maximum Days per Confinement Normal Delivery: 2 Maximum Days per Confinement Caesarean Section: 2

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$300 Per Day Days 2 through 31 Maximum Days Per Calendar Year: 30 $600 Per Day Days 2 through 31 Maximum Days Per Calendar Year: 30 $500 Per Day Maximum Days per Confinement Normal Delivery: 2 Maximum Days per Confinement Caesarean Section: 2

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$100 Maximum Benefit Per Calendar Year: 1

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$200 Maximum Benefit Per Calendar Year: 1

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$100 Per Day Payable Per Day for Days 2 through 31 Maximum Days Per Calendar Year: 30 $50 Per Day Maximum Days Per Calendar Year: 1

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$200 Per Day Payable Per Day for Days 2 through 31 Maximum Days Per Calendar Year: 3 $50 Per Day Maximum Days Per Calendar Year: 1

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Exclusions and Limitations* We will not pay for any Covered Accident or Covered Sickness that is caused by, or occurs as a result of: 1) committing or attempting to commit suicide or intentionally injuring oneself; 2) war, or serving in any of the armed forces or its auxiliary units; 3) participating in an illegal occupation or attempting to commit or committing a felony; 4) sky diving, hang gliding, parachuting, bungee jumping, parasailing, or scuba diving; 5) being intoxicated or being under the influence of narcotics or other prescription drug unless taken in accordance with Physician’s instructions; 6) alcoholism; 7) cosmetic surgery, except for reconstructive surgery needed as the result of an Injury or Sickness or is related to or results from a congenital disease or anomaly of a covered Dependent Child; 8) services related to sterilization or its reversal, in vitro fertilization, and diagnostic treatment of infertility or other related problems. A Physician cannot be You or a member of Your Immediate Family, Your business or professional partner, or any person who has a financial affiliation or business interest with You.

Employee Employee + Spouse Employee + Children Family

Monthly Premiums Plan 1 $8.84 $17.31 $13.56 $22.03

Plan 2 $25.03 $48.94 $37.71 $61.62

Disability Insurance

EMPLOYEE BENEFITS

AUL a OneAmerica Company ABOUT DISABILITY Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time. For full plan details, please visit your benefit website: www.mybenefitshub.com/lgbs

Why should you consider purchasing disability insurance protection at your workplace? Many of us lead busy lives and seldom take time to think about life’s risks. Consider the following reasons many people purchase disability insurance: • Lost wages • Daily living expenses, such as Mortgage / rent, Utilities, Car, Food, Childcare, Eldercare, Hobbies, Pet Care, etc. Worksite Disability Short Term Insurance Coverage for Eligible Employees About your benefit options: • Short Term Disability (STD) benefits are illustrated weekly and are paid on a weekly basis. • Amounts not requested timely will require Evidence of Insurability. • Benefit amounts are based upon a percentage of covered earnings. Potential benefits are reduced by other income offsets including but not limited to Social Security benefits. Benefit Percentage Option 1 - WDS 60%

Maximum Weekly Benefit $1,500

Short Term Disability - per $10 of weekly benefit SHORT TERM LONG TERM Age Brackets per $10 of covered per $100 of covered weekly earnings monthly earnings 0-19 $0.770 $0.135 20-24 $0.770 $0.135 25-29 $0.770 $0.135 30-34 $0.770 $0.194 35-39 $0.590 $0.303 40-44 $0.500 $0.438 45-49 $0.540 $0.565 50-54 $0.650 $0.793 55-59 $0.800 $1.088 60-64 $0.930 $1.400 65-69 $1.000 $1.484 70-74 $1.000 $1.855 75+ $1.000 $1.855

Elimination Period 14/14

What you need to know about your Worksite Long Elimination Term Disability Benefits Period Elimination Period: This is a period of consecutive days of disability before benefits may become payable under the contract Maximum Benefit Duration: This is the length of time that you may be paid benefits if continuously disabled as outlined in the contract. Pre-Existing Condition Period: Certain disabilities are not covered if the cause of the disability is traceable to a condition existing prior to your effective date of 90 days injury / 90 days sickness coverage. Worksite Long Term Disability Coverage Option 1 Your benefit is 60% of your monthly pre-disability earnings, up to a maximum monthly benefit of $10,000.

Maximum Benefit Duration 11 weeks

Pre-Existing Condition Period 3/12

Maximum Benefit Duration Pre-Existing Age When Total Maximum Duration Condition Period Disability Begins Greater of Social Security Full Retirement Age or: To age 65 Less than age 60 5 years 60 61 4 years 3 months / 62 3.5 years 12 month 63 3 years 64 2.5 years 2 years 65 21 months 66 18 months 67 15 months 68 12 months 69 and over

Accident Insurance

EMPLOYEE BENEFITS

Voya

ABOUT ACCIDENT Do you have kids playing sports, are you a weekend warrior, or maybe accident prone? Accident plans are designed to help pay for medical costs associated with accidents and benefits are paid directly to you. For full plan details, please visit your benefit website: www.mybenefitshub.com/lgbs

What is Accident Insurance? Accident Insurance provides a benefit payment after a covered accident that results in the specific injuries and treatments listed in this document. To be eligible, the accident must happen outside of work. Some of the most common treatments and conditions we pay benefits for include: • ER Treatment • X-Rays • Physical Therapy • Stitches • Follow-Up Doctor Treatment(s)

Accident Employee

$10.58

Employee + Spouse

$15.12

Employee + Child(ren)

$20.16

Family

$24.70

The Accident Insurance available through your employer also features the following: • $50 to use however you’d like Wellness Benefit • Complete an eligible health screening test (such as an annual physical) and • receive a benefit payment. • Your annual benefit amount is $50. Your spouse’s benefit amount is $50. • The benefit for child coverage is $50 Schedule of Benefits • Your coverage includes a Sport Accident Benefit. This means that if your accident occurs while participating in an organized sporting activity (as defined in the certificate of coverage); the benefit amounts in the accident hospital care, accident care or common injuries sections below will be increased by 25%; to a maximum additional benefit of $1,000. Event Accidental Hospital Care Surgery (open abdominal, thoracic) Surgery (exploratory or without repair) Blood, plasma, platelets Hospital admission Hospital confinement (per day, up to 365 days) Critical care unit confinement (per day, up to 15 days) Rehabilitation facility confinement (per day, up to 90 days) Coma (duration of 14 or more days) Transportation (per trip, up to three per accident) Lodging (per day, up to 30 days) Family care (per child per day, up to 45 days)

Benefit $2,500 $350 $650 $2,000 $300 $600 $225 $20,000 $840 $225 $30

Accident Insurance Voya

Event Accidental Care Initial doctor visit Urgent care facility treatment Emergency room treatment Ground ambulance Air ambulance Follow-up doctor treatment Chiropractic treatment (up to six per accident) Medical equipment Physical or occupational therapy (up to six per accident) Speech therapy (up to 6 per accident) Prosthetic device (one) Prosthetic device (two or more) Major diagnostic exam Outpatient surgery (one per accident) X-ray Accidental Death Benefits Common carrier accident Employee Spouse Children Other accident Employee Spouse Children Accidental Dismemberment Benefits Loss of both hands or both feet or sight in both eyes Loss of one hand or one foot AND the sight of one eye Loss of one hand AND one foot Loss of one hand OR one foot Loss of two or more fingers or toes Loss of one finger or one toe Catastophic Accident Benefits Employee Spouse Children Home Modification Benefit Vehicle Modification Benefit Loss of one finger or one toe

EMPLOYEE BENEFITS

Benefit $120 $300 $300 $600 $2,500 $120 $75 $500 $75 $75 $1,500 $2,400 $500 $300 $100

$200,000 $100,000 $50,000 $100,000 $40,000 $20,000 $40,000 $30,000 $30,000 $15,000 $2,500 $1,500 $120,000 $60,000 $30,000 $5,000 $5,000 $1,500

Critical Illness Insurance

EMPLOYEE BENEFITS

Voya

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/lgbs

How much coverage is available? You have the option to enroll in coverage in the amount(s) below. For you Your spouse Your children*

Coverage Amount Choice of $5,000, $10,000, $15,000, $20,000, $25,000, or $30,000 Choice of $5,000, $10,000, $15,000, $20,000, $25,000 or $30,000 not to exceed 100% of the employee benefit Choice of $1,000, $2,500, $5,000, $10,000, or $15,000 not to exceed 50% of Employee Benefit

*Children birth to age 26; no limit to the number of children per family.

What’s covered by Critical Illness Insurance? Critical Illness Insurance provides benefits for the covered conditions and diagnoses shown below. The most common conditions we pay claims for include: • Heart Attack • Kidney Failure** • Stroke • Coronary Artery Bypass • Cancer Sample benefit amounts If one of these events happens on or after your coverage effective date, and your claim is approved, benefits are payable at 100% of the Critical Illness benefit amount shown above unless otherwise stated. Use your benefit payment however you’d like: Covered Condition Heart attack* Cancer Stroke Coronary artery bypass

% of Benefit 100% 100% 100% 100%

* A sudden cardiac arrest is not in itself considered a heart attack. ** Major organ transplant means the irreversible failure of your heart, lung, pancreas, entire kidney or liver, or any combination thereof, determined by a physician specialized in care of the involved organ.

Wellness Benefit Complete an eligible health screening test, and we’ll send you a benefit payment to use however you’d like. • Your annual benefit amount is $50. Your spouse’s benefit amount is $50. • The benefit for child coverage is $50.

Critical Illness Insurance Voya

Covered Condition Base Module Heart attack* Cancer Stroke Sudden cardiac arrest Major organ transplant (includes Major Organ Failure & End Stage Renal Failure)** Major Organ Module Type 1 Diabetes Transient ischemic attacks (TIA) Ruptured or dissecting aneurysm Abdominal aortic aneurysm Thoracic aortic aneurysm Open heart surgery for valve replacement or repair Severe burns Transcatheter heart valve replacement or repair Coronary angioplasty Implantable/internal cardioverter defibrillator (ICD) placement Pacemaker placement Benefits of Covered Children: Covered Condition Additional Child Diseases Cerebral palsy Congenital birth defects Cystic fibrosis Down syndrome Gaucher disease, type II or III Infantile Tay-Sachs Niemann-Pick disease Pompe disease Sickle cell anemia Type 1 diabetes Type IV glycogen storage disease Zellweger syndrome

EMPLOYEE BENEFITS

% of Benefit 100% 100% 100% 100% 100% 100% 10% 10% 10% 10% 25% 100% 10% 10% 25% 10%

% of Benefit 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%

Life and AD&D

AUL a OneAmerica Company

EMPLOYEE BENEFITS

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/lgbs What you need to know about your Voluntary Term Life and AD&D Benefits Flexible Options: • Employee: $10,000 to $1,000,000, in $10,000 increments, not to exceed 5 times your annual salary • Spouse under age 99: $10,000 to $250,000, in $10,000 increments, not to exceed 100% of the employee ’s amount Guaranteed Issue: • Employee: $250,000 • Spouse: $50,000 • Child: $10,000

Dependent Life Coverage: Optional dependent life coverage is available to eligible employees. You must select employee coverage in order to cover your spouse and/or child(ren). Accidental Death and Dismemberment (AD&D): Additional life insurance benefits may be payable in the event of an accident which results in death or dismemberment as defined in the contract. Additional AD&D benefits include seat belt, air bag, repatriation, child higher education, child care, paralysis/loss of use, severe burns, disappearance, and exposure. Accelerated Life Benefit: If diagnosed with a terminal illness and have less than 12 months to live, you may apply to receive 25%, 50% or 75% of your life insurance benefit to use for whatever you choose.

Short Term Disability - per $10 of weekly benefit Age Employee Spouse 18-24 $0.50 $0.50 25-29 $0.50 $0.50 30-34 $0.70 $0.70 Guaranteed Increase In Benefit: You may be eligible 35-39 $0.90 $0.90 to increase your coverage annually until you reach 40-44 $1.50 $1.50 your maximum amount without providing evidence of 45-49 $2.60 $2.60 insurability. 50-54 $4.10 $4.10 55-59 $7.30 $7.30 Reductions: Upon reaching certain ages, your original 60-64 $12.90 $12.90 benefit amount will reduce to the percentage shown in 65-69 $20.40 $20.40 the following schedule. The amounts of dependent life 70-74 $29.90 $29.90 insurance and dependent AD&D principal sum will reduce 75+ $29.90 $29.90 according to the employee's reduction schedule. Spouse rates based on Employee’s age. Voluntary Group Life and AD&D: Child(ren) - $10,000 in coverage 0-26 $1.90

Individual Life Insurance

EMPLOYEE BENEFITS

5Star Life Insurance Company ABOUT INDIVIDUAL LIFE

Individual insurance is a policy that covers a single person and is intended to meet the financial needs of the beneficiary, in the event of the insured’s death. This coverage is portable and can continue after you leave employment or retire. For full plan details, please visit your benefit website: www.mybenefitshub.com/lgbs

Enhanced coverage options for employees. The 5Star Life Insurance Company’s Family Protection Plan offers both Individual products with Terminal Illness coverage to age 121, making it easy to provide the right benefit for you and your employees.

FAMILY PROTECTION Coverage is available for spouses and financially dependent children, even if the employee doesn’t elect coverage on themselves. * Financially dependent children 14 days to 23 years old.

CUSTOMIZABLE With several options to choose from, employees select the coverage that best meets the needs of their families.

PROTECTION TO COUNT ON Within one business day of notification, payment of 50% of coverage or $10,000 whichever is less is mailed to the beneficiary, unless the death is within the two-year contestability period and/or under investigation. This coverage has no war or terrorism exclusions.

TERMINAL ILLNESS ACCELERATION OF BENEFITS Coverage that pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12 months (24 months in IL). PORTABLE Coverage continues with no loss of benefits or increase in cost if employment terminates after the first premium is paid. We simply bill the employee directly.

CONVENIENCE Easy payments through payroll deduction.

QUALITY OF LIFE Optional benefit that accelerates a portion of the death benefit on a monthly basis, up to 75% of your benefit, and is payable directly to you on a tax favored basis for the following: • Permanent inability to perform at least two of the six Activities of Daily Living (ADLs) without substantial assistance; or • Permanent severe cognitive impairment, such as dementia, Alzheimer’s disease and other forms of senility, requiring substantial supervision

Notes

2024 Plan Year

Enrollment Guide General Disclaimer: This summary of benefits for employees is meant only as a brief description of some of the programs for which employees may be eligible. This summary does not include specific plan details. You must refer to the specific plan documentation for specific plan details such as coverage expenses, limitations, exclusions, and other plan terms, which can be found at the LGBS Benefits Website. This summary does not replace or amend the underlying plan documentation. In the event of a discrepancy between this summary and the plan documentation the plan documentation governs. All plans and benefits described in this summary may be discontinued, increased, decreased, or altered at any time with or without notice. Rate Sheet General Disclaimer: The rate information provided in this guide is subject to change at any time by your employer and/or the plan provider. The rate information included herein, does not guarantee coverage or change or otherwise interpret the terms of the specific plan documentation, available at the LGBS Benefits Website, which may include additional exclusions and limitations and may require an application for coverage to determine eligibility for the health benefit plan. To the extent the information provided in this summary is inconsistent with the specific plan documentation, the provisions of the specific plan documentation will govern in all cases.