Critical Illness Insurance

All active full-time employees working 30 hours or more per week.

Dependents: You must be insured for your Dependents to be covered. Dependents are:

• Your legal spouse or domestic partner. Spouse must be under age 70 at date of application. Coverage terminates at age 75.

• Your dependent children from birth to 26 years.

• A person may not have coverage as both an Employee and Dependent.

Employee: Choose from a benefit of $5,000 to a maximum of $30,000 in $5,000 increments.

Spouse: Choose from a benefit of $5,000 to a maximum of $30,000 in $5,000 increments, not to exceed 100% of approved employee amount.

Dependent child(ren): 25% of approved employee amount up to a maximum of $7,500.

Employee: $30,000

Spouse: $30,000

Child: $7,500

Coverage is 100% employee paid.

• Lifetime Maximum Benefit – 500% of Insurance Amount

• Subsequent Occurrence Benefit – 100% of benefit if diagnosed 3 months or later

• Recurrence Benefit (Same Illness) – 100% of benefit if diagnosed 12 months or later

• Transfer of Coverage

• Portability to employee at age 70

• Wellness (Health Screening Benefit – $50

A benefit will not be paid if the Critical Illness is caused by or contributed to by one of the following: an act of war, declared or undeclared; intentionally self-inflicted Injury; commission or attempted commission of a felony; the use of alcohol or drugs unless taken as prescribed by a Physician; a Sickness or Injury that occurs while confined in a penal or correctional institution; cosmetic or elective surgery that is not medically necessary; committing or attempting to commit suicide while sane or insane; participation in a riot or insurrection; for a Critical Illness Diagnosed outside of the US unless confirmed within the US; for a Critical Illness that follows a different Critical Illness Diagnosis for which a benefit has been paid, within a shorter time period than reflected under Features. (Subsequent Occurrence); and for the same Critical Illness for which a benefit has been paid, if it is Diagnosed within a shorter time period than reflected under Features. (Recurrence).

For a comprehensive list of exclusions and limitations, please refer to the Certificate of Insurance, which also provides all requirements necessary to be eligible for benefits.

This Plan Highlights is a brief description of the key features of the RSL insurance plan. The availability of the benefits and features described may vary by state. It is not a certificate of insurance or evidence of coverage. Insurance is provided under group policy form LRS-9537-0118, et al.

• Claim Form

• Wellness Benefit Claim Form