Page 14 - 2025 US Neuro LLC - Benefit Guide

Life/AD&D Insurance:

Lincoln Financial Group

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

US Neuro, LLC, provides all full-time employees a life insurance benefit and matching AD&D benefit of
$25,000. US Neuro, LLC, pays the full cost of this benefit. Your benefits will reduce 35% at age 65, an additional
25% of the original amount at age 70, and an additional 15% of the original amount at age 75,

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

US Neuro, LLC, offers all full-time employees Voluntary Life for you, your spouse, and your dependent
children. Accidental Death and Dismemberment (AD&D) is included at no additional cost for employee,
spouse and child coverage. In order to elect coverage for a spouse or child, you must elect coverage for
yourself. This is 100% employee paid and will be paid through payroll deduction. Benefits terminate at
retirement. Spouse’s benefits terminate at Employee’s age of 70 or retirement, whichever comes first.
YOUR COVERAGE IS PORTABLE AND CONVERTIBLE

Employee Life / Spouse Life / Child(ren) Life
Does not include AD&D
AD&D AD&D

Maximum Benefit 5x Annual Salary, 50% of Employee’s benefit, up
Amount up to $180,000 to $35,000 $20,000
Initial Enrollment

Minimum Benefit $10,000 $5,000
Amount $20,000
Guarantee Issue
Amount - New 5x Annual Salary, up to 50% of Employees benefit, up Flat $20,000
Hires and 8-1-25 $180,000 to $35,000
OPEN EROLLMNT

Accelerated Benefit Option: 24 months or less to live, Benefit is subject to:
Living Care / • a minimum of $1,000 or 10% of the Insured Person’s life insurance coverage, whichever is
Accelerated Death more; and
Benefit • a maximum of $250,000 or 75% of the Insured Person’s life insurance coverage, whichever
is less.

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 Coma / Seat Belt / Airbag / Child Care / Education

The portability feature allows you to continue this insurance for yourself and your dependents (if
applicable) should your employment end, subject to the terms of eligibility defined in the policy,
Portability
without having to provide evidence of insurability (information about your health). This requires
the member to contact your Broker—IFC Benefit Solutions or Lincoln Financial to initiate.

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