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INCOME PROTECTION

BASIC LONG-TERM DISABILITY INSURANCE (TCW PAID)
Basic Long-Term Disability insurance through MetLife provides protection against
the extended loss of income during a period of total or partial disability. Coverage
is provided for both occupational and non-occupational disability resulting from
either an accident or a sickness.
Benefits are payable at two-thirds (66.67%) of annual earnings, to a maximum monthly benefit
of $30,000. Benefits begin after 180 days of disability (the “elimination period”) and continue
to age 65 for total disability. Your participation in this plan is automatic and is available at no
cost to you.

LONG TERM DISABILITY INSURANCE “BUY-UP” (EMPLOYEE PAID)
Employees may purchase coverage to reduce the elimination period to 90 days versus the 180
days of total disability. The cost for this buy-up is 0.00138 x (annual earnings / 12), up to a
maximum of $63.90 per month.

INDIVIDUAL DISABILITY INSURANCE (TCW AND EMPLOYEE PAID)
If your annual earnings meet or exceed the Individual Disability Insurance requirement with
MetLife, you will be offered additional disability insurance on an individual basis. You will be
contacted by Human Resources when you become eligible for this coverage.

BUSINESS TRAVEL ACCIDENT (BTA) INSURANCE (TCW PAID)
If you were to die or become seriously injured while traveling on official
business for TCW, the Business Travel Accident Insurance Plan offered through
Chubb provides coverage in addition to any Basic Life or Accidental Death &
Dismemberment (AD&D) Insurance coverage.
BTA also provides travel assistance coverages and services, such as: medical care while
traveling and legal referrals; transportation if you become sick or injured while traveling;
and covered expenses to bring you home.

PROTECTION FOR BUSINESS TRAVELERS
Chubb also provides Europ Assist services worldwide, including threat assessments
for international travel. As a covered person under Chubb’s Business Travel Accident
Policy, you are eligible for Identity Theft Protection for Business Travelers. Identity Theft
Protection will help you defend your identity and recover any lost or stolen documents.
Simply call 866-299-7277.

For all Life, Accidental Death and Dismemberment, and Long-Term Disability Insurance plans, “annual earnings” is defined as your
base salary as of March 1 plus the prior year’s bonus, commissions, and/or fee sharing. There is a reduction in the amount of all income
replacement coverage after you reach age 65.

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