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Employer-Paid Long-Term Disability InsuranceArdena provides coverage for Long-Term Disability if you are unable to work due to a covered disability resultingfrom an illness or injury that occurs on or off the job, such as musculoskeletal conditions, circulatory condition,cancer, and nervous system disorders.Employer-Paid Short-Term Disability InsuranceFull-time Employees are eligible upon completion of 90 days of service.Replaces 100% of your total weekly earnings up to $2,500 each week.If your claim is approved, benefits begin on the eighth day from the date you are unable to work.Benefits may be paid for up to 25 weeks.Ardena provides coverage for Short-Term Disability if you are unable to work due to a covered disabilityresulting from an off-the-job injury or illness such as pregnancy, joint disorders, back disorders and digestivedisorders.Visit metlife.com/us or call (888) 608-6665.Filing a ClaimContact MetLife to file a disability claim. You and your doctor will be required tocomplete a claim form to provide information about your condition and expectedrecovery. In the event a death claim needs to be filed, your beneficiary and youremployer will complete the appropriate claim forms and submit them to MetLife.Employee - Choose from $10,000 to $1,000,000 in increments of $10,000 not to exceed five times your BasicAnnual Earnings. No medical questions asked up to the Guaranteed Issue amount of $100,000.Spouse -If you elect coverage for yourself, you can purchase coverage for your spouse. Choose from $5,000to $100,000 in increments of $5,000. No medical questions asked up to the Guaranteed Issue amount of$25,000. The amount you select for your spouse cannot exceed 50% of your coverage amount.Child(ren) - If you elect coverage for yourself, you can purchase coverage for your child(ren). Choose from$1,000 to $10,000 in increments of $1,000. The amount you select for your child(ren) cannot exceed 50% ofyour coverage amount.Voluntary Life and AD&D InsuranceEmployer-Paid Basic Employee Life and AD&D InsuranceArdena provides coverage for Basic Life Insurance for employees equal to 1.5 times your basicannual earnings, up to a maximum amount of $425,000, which is the guaranteed issue amount withno medical questions asked. The Life Insurance plans also include coverage for Accidental Deathand Dismemberment (AD&D) Insurance.Life Insurance & Disability InsuranceBasic & Voluntary Life and AD&DShort-Term DisabilityLong-Term Disability18Replaces 60% of your total monthly earnings up to $12,000 each month.If your claim is approved, benefits begin 180 days day from the date of your disability.Benefits may be paid up until your Social Security Normal Retirement Age or longer, depending on your ageat the time of disability.You may purchase additional Employee Life and A&D Insurance, and coverage for your spouse and child(ren).