Page 13 - 2013 Salus Group Benefits and Notices

Benefits Partner, LLC dba Salus Group 2013

Basic Life/AD&D and Optional Life/AD&D Coverage

Life insurance is extremely important if you have family members that
depend upon your income. Life insurance provides financial security
for you and your dependents should you die while an employee at the
Salus Group. Accidental Death & Dismemberment (AD&D) insurance
pays an additional benefit if your death is a result of an accident. In
addition, AD&D insurance will pay a portion of the benefit for a loss of
limb, eyesight, or both, if the loss is directly related to the accident.

Salus Group provides a company-paid Basic Life/AD&D benefit for you
by Lincoln Financial Group (Lincoln).

Your Basic Life insurance benefits reduce to 65% at age 70 and to
50% at age 80. Coverage effectives dates and increases in coverage
may be delayed if you and/or your dependents are disabled or hospital confined on the date coverage is
scheduled to take effect. Review the Lincoln Summary Plan Description for details.

Short Term Disability (STD) Coverage

To help protect your financial stability in the event you became
ill or disabled, Salus Group provides a salary continuation plan
through a short-term disability program also through Lincoln..

Short Term Disability (STD) provides income protection in the
event you become temporarily disabled due to a non-work
related illness or injury. (If you remain disabled when your STD
benefits end, you may be eligible for LTD benefits which are
outline on the following page.)

Your STD benefits are outlines as follows:

STD Benefit

Weekly Benefit 60% of Pre-Disability Earnings

Minimum/Maximum Weekly Benefit $20.00 / No Maximum

14 days for accident
Elimination Period
14 days for sickness
Benefit Duration 26 weeks Duration

Pre-Existing Condition Limitation None

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