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Dental Option:

        Lincoln Financial Group


            PAY PERIOD (26)             HIGH Plan  LOW Plan
                                                                             Dependent Information
            Employee Only                 $20.13       $13.06
                                                                  Our company offers employees the opportunity to
            Employee + Spouse             $40.58       $32.48     cover their dependent children. Children can join
                                                                  or remain on a parent’s dental plan until age 26.
            Employee + Child(ren)         $56.42       $46.02     When  a  child  turns  age  26,  they  will  lose  dental
                                                                  coverage on the last day of their birth month.
            Employee + Family             $86.70       $67.83


         BRIEF  OVERVIEW                       Dental HIGH Plan                        Dental LOW Plan
                                              Non-Network  Dentists                                Non-Network Dentists
         Type of Service                    Reimbursed at 90% of U&C                Reimbursed at 90% of U&C

         Annual Deductible (CYD)           $50 Individual  / $150 Family           $50 Individual  / $150 Family
         Preventive Services              Covered at 100%; CYD Waived             Covered at 100%; CYD Waived

         Basic Services                     Covered at 80% after CYD                Covered at 80% after CYD
         Major Services                     Covered at 50% after CYD                Covered at 50% after CYD

                                                     $4,000                                  $2,000
         Annual Maximum                     (January 1 to December 31)              (January 1 to December 31)

         Annual Maximum                Preventive Services Does Not Apply      Preventive Services Does Not Apply
                                              *SmileRewards Included:                 *SmileRewards Included:
         Smile Rewards (Included)     Type 1 paid claims do not accumulate toward   Type 1 paid claims do not accumulate to-
                                            your Annual Maximum Benefit           ward your Annual Maximum Benefit

                                          Covered at 50% - CYD Waived             Covered at 50% - CYD Waived
         Orthodontia (Child Only)
                                           Lifetime Maximum of $2,000              Lifetime Maximum of $1,500

                                      Routine cleanings, exams, x-rays, oral can-  Routine cleanings, exams, x-rays, oral
         Preventive Services           cer screenings. (Fluoride, sealants, space   cancer screenings. (Fluoride, sealants,
                                             maintainers under  age 16)           space maintainers under age 16)

                                       Fillings (Amalgam or Composite), simple   Fillings (Amalgam or Composite), simple
                                        extractions, oral surgery, Endodontics   extractions, oral surgery, Endodontics
         Basic Services
                                       (root canals), Periodontics. Emergency   (root canals), Periodontics. Emergency
                                            Treatment/General Services              Treatment/General Services

                                      Crowns, Implants (no missing tooth clause   Crowns, Implants (no missing tooth
                                       or waiting period), inlays, onlays, fixed   clause or waiting period), inlays, onlays,
         Major Services
                                         partial denture (bridges) dentures &        fixed partial denture (bridges) dentures
                                               removable prosthetics                &      removable prosthetics

                                      Orthodontic Exams, X-rays, Extractions, Study   Orthodontic Exams, X-rays, Extractions,
         Orthodontia
                                       Models and Appliances; ADULTS & Children   Study Models and Appliances; up to Age 19.

                           NOTE: This is only a brief overview. Please see the Benefit Summary for more details.
             Members can obtain a listing of lens options at www.LFG.com. or Customer Service : 1-800-440-8453
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