Page 9 - 2021 01 Benefits Guide Murata FINAL

Hospital Indemnity – Allstate

Health insurance is a good way to help pay the costs of medical treatments that may be necessary, such as treatment
that requires a visit to your physician, the emergency room, or an extended stay in the hospital. Even just a couple of
days in the hospital could be costly to you. Lost income, medicines and therapies can quickly add up.

Supplemental health insurance like Hospital Indemnity with Allstate can help protect your hard-earned savings, and it
can help you cover some of the costs associated with hospital care.

Using the “best in class” approach to identify the most relevant and competitive voluntary benefits, Murata offers a
corporate group contract for Hospital Indemnity to our employees. The Hospital Indemnity insurance offered by Allstate
provides cash benefits to offset out-of-pocket expenses associated with medical services that would otherwise cause
additional financial burdens Allstate will require an Evidence of Insurability (EOI) form to be completed, if you are not a
new hire enrolling for the first time for this plan.

This coverage also has a payment scale within individual policies that are mailed to your homes. Rates are locked and
smoker rates do apply. This policy is portable, which means you can take this policy with you if you leave the company,
up through COBRA period. Please be sure to read and understand the content of your policy.

Critical Illness Insurance – Allstate

Allstate Benefits (AB) group voluntary critical illness coverage provides a lump-sum cash benefit to help you cover the
out-of-pocket expenses associated with a critical illness.

No one knows what lies ahead on the road through life. Will you have to undergo a major organ transplant or coronary
artery bypass procedure? Will you suffer a stroke or a heart attack? The signs pointing to a critical illness are not always
clear and may not be preventable, but this coverage provides financial protection in the event you are diagnosed.

Critical illness coverage offers peace of mind when a critical illness diagnosis occurs, and payments are made directly to
you. The coverage is a fully portable plan that offers payment when a major condition is diagnosed. Employees are
responsible for the total cost of this pre-tax benefit.

Policies are mailed to your home. Rates are age-locked and this policy is portable, which means it’s able to continue if
you leave the company. Please be sure to read and understand the content of your policy.

• Wellness Benefit of $50 per year.

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