Page 13 - 5.11 Benefit Guide 2019 EXECUTIVE

BASIC LIFE/AD&D

Life insurance protects your family or other beneficiaries in the event of your death while you are still actively employed
with the company. 5.11 pays for coverage, offered through Lincoln Financial Group, in the amount of 1x your annual base
salary to a minimum benefit of $50,000 and a maximum benefit of $250,000. 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.

LONG TERM DISABILITY

5.11 offers you Long-Term Disability (LTD) income replacement if you are disabled for an extended period of time, through
Lincoln Financial Group. If you become totally and permanently disabled, benefits begin 90 days after the start of your
illness or injury. LTD works with state disability, Social Security, and any other group disability coverage, to provide you with
a combined monthly benefit equal to 60% of your pre-disability earnings to a maximum benefit of $10,000 per month until
you reach Social Security Retirement Age.

VOLUNTARY LIFE/AD&D

In addition to the company provided Basic Life/AD&D benefits, you may elect to purchase Voluntary Term Life/AD&D
insurance at discounted group rates provided by Lincoln Financial Group. You pay for this coverage with after-tax dollars
through convenient payroll deductions.

EMPLOYEE
You may purchase Voluntary Life/AD&D insurance coverage for yourself in increments of $10,000 up to a maximum
benefit of $500,000.
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 $250,000.
CHILD(REN)
If you buy coverage for yourself, you may also purchase coverage for your eligible dependent child(ren) in the amount
of $10,000.

GUARANTEE ISSUE
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 $200,000 for
employees, $50,000 for spouses, and $10,000 for children. If you are no longer in your initial eligibility period, you may enroll
in Voluntary Life/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. Lincoln
Financial Group may approve or decline coverage based on a review of your health history.

Current eligible employees (not new hires) may elect or increase insurance coverage up to 2 benefit levels of $10,000 (total
max of $20,000) for themselves and 2 benefit levels of $5,000 (total max of $10,000) for their spouse/domestic partner on a
guaranteed acceptance basis during the annual open enrollment period provided that the applicant has not been previously
declined, withdrawn or pending for coverage.

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