Page 9 - JONS EE Guide 08-18 - final English

BENEFITS

Life and AD&D Insurance

Guardian | Basic Life and AD&D Insurance
Eligible Employees (contact HR to determine if you are eligible)
Life insurance protects your family or other beneficiaries in the event of your death while you are still actively employed with the
company. JONS Marketplace pays for coverage, offered through Guardian for eligible employees. If your death is due to a covered
accident or injury, your beneficiary will receive an additional amount through Accidental Death and Dismemberment (AD&D)
coverage.

Supplemental Benefits

You may purchase individual policies from Sun Life including Voluntary Life and AD&D, Voluntary Accident, and Voluntary Short
Term Disability. Your premiums are paid through payroll deductions on a after-tax basis. Sun Life policies offer direct-to-the-
policyholder cash payouts to help cover what other insurance doesn’t. All of the Sun Life individual policies are either portable or
convertible, which means that you can keep them should you change jobs or retire. Certain restrictions may apply.

Sun Life | Voluntary Life and AD&D
In addition to the company provided Basic Life and AD&D benefits, you may elect to purchase additional Term Life and AD&D
insurance at discounted group rates provided by Sun Life. If elected, you pay for this coverage with after-tax dollars through
convenient payroll deductions. Please note that age reductions apply.

Available coverage options:
 Employee: You may purchase coverage for yourself in increments of $10,000 up to a maximum benefit of $250,000, not to
exceed 5 times your annual salary.
 Spouse: If you buy coverage for yourself, you may also purchase coverage for your eligible spouse. Benefits for your spouse are
available in increments of $5,000 to a maximum benefit of $125,000 and may not exceed 50% of your employee election.
 Child(ren): If you buy coverage for yourself, you may also purchase coverage for your eligible dependent child(ren). Benefits
for your child(ren) are available in the amount of $1,000, $5,000, or $10,000.

Guarantee issue is a pre-approved amount of coverage that does not require you to provide proof of good health, and is available
to you during your initial eligibility period (upon hire). Guarantee issue is available in the amount of $180,000 for employee
coverage, $50,000 for spouse coverage, and $10,000 for child coverage.

If you are no longer in your initial eligibility period, you may enroll in Voluntary Life and AD&D insurance anytime during the year as
long as you provide proof of good health. To provide proof of good health, you will be asked to complete a health questionnaire
and are subject to insurance carrier approval. Sun Life may approve or decline coverage based on a review of your health history.

Sun Life | Voluntary Accident

Sun Life Accident insurance will pay you a benefit to help cover your out-of-pocket medical costs in case of an accidental injury. For
covered accidents, fixed benefits are paid directly to you, regardless of any other coverage. Benefits are paid according to a fixed
schedule that includes benefits for emergency room visits, hospitalizations, burns, skin grafts, coma, concussion, and dislocations
(with reduction under general anesthesia), emergency dental work, eye injuries, fractures, lacerations, paralysis, and more. An
accidental death and dismemberment benefit is also provided.

Sun Life | Voluntary Short Term Disability
JONS Marketplace offers you the opportunity to purchase Voluntary Short Term Disability (STD) income replacement at discounted
group rates, through Sun Life. This plan provides a high level of income replacement for the first 24 weeks of a disability. In
California, STD integrates with state disability, which means that when you are out on disability, the state will pay first. For 2018
the weekly benefit is 60% to 70% (depending on your income) of average weekly earnings up to a maximum weekly benefit of
$1,216.

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