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Life and Accident

The life and accident insurance plans provide you with basic life and accident insurance paid for by the Company. In addition, optional life and accidental death and dismemberment (AD&D) insurance coverage is available at group rates. The life and accident plans are insured by Sun Life.

Life and Accident Program Key Features

The following table summarizes the key features of the plans available to you and your dependents.

Life and Accident Plans (Sun Life)
Plan	Coverage Available			Enrollment Required	Paid By
	Employee	Spouse/Domestic Partner	Each Child
Basic Life	1 times annual base pay (maximum $50,000)	-	-	No	Company
Optional Employee Life & Dependent Life	1 – 8 times annual base pay (maximum $750,000)	$25,000 - $250,000 (increments of $25,000)	$5,000 - $25,000* (increments of $5,000)	Yes	Employee
Basic AD&D	1 times annual base pay (maximum $50,000)	-	-	No	Company
Optional Employee AD&D & Dependent AD&D	1 - 8 times annual base pay (maximum $750,000)	$25,000 - $250,000 increments of $25,000)	$5,000 - $25,000* (increments of $5,000)	Yes	Employee

* Coverage for a child from birth to 6 months is limited to $5,000. This summary is provided for general information only. It does not provide coverage details, exclusions or limitations (e.g., certain maximums apply to each level of coverage and evidence of insurability may be required). Refer to the specific plan documents available on this website for detailed information and complete plan provisions, exclusions and limitations.

Basic Life

You are automatically enrolled for basic life insurance on the first of the month following 30 days of employment. Basic life insurance is equal to one times your annual pay rounded to the next higher multiple of $1,000, if the coverage amount is not a multiple of $1,000. The maximum amount of basic life insurance is $50,000.

If your annual pay changes (either increases or decreases), your basic life insurance will automatically change to the new coverage amount as of the next January 1.

Optional Life

The optional life insurance plan is available in amounts from 1 – 8 times your annual pay, rounded to the next higher multiple of $1,000, if the coverage amount in not a multiple of $1,000. The maximum amount of optional life insurance is $750,000.

If you enroll for coverage and your enrollment is received within your initial eligibility period, your coverage will be effective on the first of the month following 30 days of employment.

Once your initial eligibility period has passed, you may only enroll during the next Annual Enrollment period or within 30 days of a qualifying event.

You should also keep in mind that if you enroll or increase coverage after your initial eligibility period (including during the annual enrollment period), you will be required to provide evidence of insurability satisfactory to the insurance company before the new or increased coverage will become effective.

If your annual pay changes (either increases or decreases), your optional life insurance will automatically change to the new coverage amount as of the next January 1.

Dependent Life – Spouse/Domestic Partner

Dependent life insurance for your spouse/domestic partner is available in amounts from $25,000 – $250,000 in increments of $25,000. Spouse/domestic partner coverage may not exceed 100% of the employee’s combined basic and optional life coverage. The spouse/domestic partner coverage terminates when the spouse/domestic partner attains age 70.

If you enroll for dependent life insurance for your spouse/domestic partner and your enrollment is received within your initial eligibility period, your coverage amount for insurance of up to $25,000 will be effective on the first of the month following 30 days of employment.

If your enrollment in dependent life insurance for your spouse/domestic partner results in over $25,000 of coverage, your spouse/domestic partner will be required to provide evidence of insurability satisfactory to the insurance company before coverage in excess of $25,000 will become effective.

Once your initial eligibility period has passed, you may only enroll during the next enrollment period or within 30 days of a qualifying event.

You should also keep in mind that if you enroll or increase coverage after your initial eligibility period (including during the annual enrollment period), your spouse/domestic partner will be required to provide evidence of insurability satisfactory to the insurance company before the new or increased coverage will become effective.

Dependent Life – Children

Dependent life insurance for your children is available in amounts of $5,000 – $25,000* (in increments of $5,000).

If you enroll within your dependent child’s initial eligibility period, coverage will be effective on the first of the month following 30 days of employment.

* Coverage for a child from birth to 6 months is limited to $5,000.

If you do not enroll for dependent life insurance for your children during your initial eligibility period, you may enroll for coverage during the next Annual Enrollment period or within 30 days of a qualifying event. (Evidence of insurability is not required for dependent children.)

Your Cost

The Company pays the entire cost of basic life insurance. You pay the entire cost of any optional life insurance and dependent life insurance. Your cost is deducted from your pay on an after-tax basis. Refer to Employee Contributions for the applicable cost.

Basic AD&D

You are automatically enrolled for basic accidental death and dismemberment (AD&D) insurance on the first of the month following 30 days of employment. The principal amount of basic AD&D is equal to one times your annual pay rounded to the next higher multiple of $1,000, if the coverage amount is not a multiple of $1,000. The maximum amount of basic AD&D insurance is $50,000.

If your annual base pay changes (either increases or decreases), your optional AD&D insurance will automatically change to the new coverage amount on the first of the following month. Your employee premiums will also change as of the date your optional AD&D insurance coverage changes.

Optional AD&D – Employee

Optional AD&D insurance is available in amounts from 1-8 times your annual base pay, rounded to the next higher multiple of $1,000, if the coverage amount is not a multiple of $1,000. The maximum amount of optional life insurance is $750,000.

Your AD&D insurance coverage reduces automatically upon attainment of the specific age in the following table.

Dependent AD&D - Spouse/Domestic Partner

If you enroll for optional AD&D insurance, you are eligible to enroll for dependent AD&D insurance for your spouse/domestic partner. Dependent AD&D insurance is available in amounts from $25,000 - $250,000 in increments of $25,000. However, spouse/domestic partner coverage may not exceed 100% of your combined basic and optional AD&D insurance coverage. Your spouse/domestic partner AD&D insurance coverage terminates when your spouse/domestic partner attains age 70.

Dependent AD&D - Children

If you enroll for optional AD&D, you are eligible to enroll for dependent AD&D insurance for your children. Dependent AD&D insurance is available in amounts from $5,000 - $25,000 in increments of $5,000.

AD&D Benefit Schedule

The following table shows losses that are covered under the basic and optional AD&D insurance and the corresponding benefit amounts as a percentage of your principal amount. These benefit amounts will be paid only if:

• Your death occurs within 365 days from the date of the accident; or
• Your injury results in one or more covered losses listed below within 365 days from the date of the accident

Your Cost

The Company pays the entire cost of basic AD&D insurance. You pay the entire cost of optional AD&D insurance. Your cost is deducted from your pay on an after-tax basis. Refer to the section entitled Employee Contributions for the applicable cost.