Page 16 - 2026 Affinity Neurocare Benefit Guide Final v2

Life / AD&D Insurance:

Lincoln Financial

Basic Life Insurance and Accidental Death & Dismemberment (AD&D)

Affinity Neurocare provides all full-time employees a life insurance benefit and matching AD&D benefit base
on your class. We pay 100% of the cost of this benefit. Your benefits will reduce 35% at age 65, an additional
15% at age 70, and an additional 15% of the original amount at age 75, coverage terminates upon employ-
ees retirement Conversation option is available.
Voluntary Life Insurance and Accidental Death & Dismemberment (AD&D)

Affinity Neurocare offers all full-time employees Voluntary Life for you, your spouse, and your dependent children
at low costs term rates. Accidental Death and Dismemberment is included at no additional cost for employee
and spouse coverage. This is 100% employee paid and will be paid through payroll deduction. In order to elect
coverage for a spouse or child, you must elect coverage for yourself. Your benefits will reduce to 65% at age 65,
and another 15% at age 70. Spouse’s benefits terminate at Employee’s age of 70 or retirement,
whichever comes first.

Employee Life / AD&D Spouse Life / AD&D Child Life

Not to exceed 5 times Employees
Maximum Benefit
5x Annual Salary, up to $500,000 Annual Salary or 50% of Employee’s $10,000
Amount
Benefit, up to $250,000
Minimum Benefit
$10,000 $5,000 $10,000
Amount

Guarantee Issue
Amount—2026 Open 50% of Employee’s Benefit, up to
5x Annual Salary, up to $30,000 $10,000
Enrollment & New $10,000
Hires

Living Care Benefit /
75% of your Life Benefit can be obtained if diagnosed with a terminal illness up to $250,000.
Accelerated Death
Balance paid at death.
Benefit

If it is determined that you are totally disabled, your life insurance benefit will continue without
Waiver of Premium
payment of premium, subject to certain conditions.

Additional AD&D In addition to basic AD&D benefits, you are protected by the following benefits:
Benefits Seat Belt-Air Bag Benefit- Child Care & Spouse Training Benefit-Plegia -Coma-Common Carrier

The portability feature allows you to continue this insurance for yourself and your dependents (if
Portability Benefit applicable) should your employment end, subject to the terms of eligibility defined in the policy,
without having to provide evidence of insurability (information about your health). This feature

You may also convert your policy without having to provide evidence of insurability (information
Conversation Benefit
about your health). This feature requires the member to contact Lincoln Financial to initiate.
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