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Income Protection Benefits

Life and AD&D Insurance

Anthem Blue Cross| Basic Life and AD&D Insurance
Life insurance protects your family or other beneficiaries in the event of your death while you are still actively employed with the
company. Lake Avenue Church pays for coverage, offered through Anthem Blue Cross, in the amount of 2 times your annual salary
to a maximum benefit of $400,000. 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.

Anthem Blue Cross| Voluntary Life and AD&D Insurance
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 Anthem Blue Cross. If elected, you pay for this coverage with after-tax dollars
through convenient payroll deductions.

Employee
You may purchase coverage for yourself in increments of $5,000 up to a maximum benefit of $200,000, 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 up to a maximum benefit of $100,000, not to 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) in the following amounts:
Age: 15 days from birth to 26: in increments of $5,000 up to a maximum benefit of $10,000, not to exceed 50% of your employee
election.
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 following amounts:
• Employee: The lesser of 5x your annual salary or $100,000
• Spouse: $30,000
• Child(ren): Entire benefit amount
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. Blue Cross may approve or decline coverage based on a review of your health history.

Disability Insurance

Anthem Blue Cross | Short Term Disability Insurance
Lake Avenue Church offers you Short Term Disability (STD) to provide income replacement if you become disabled due to accident,
sickness or pregnancy, through Anthem Blue Cross. If you experience a temporary disability, benefits begin 7 days after the start of
your disability and will continue as long as you remain disabled up to a maximum of 12 weeks. STD works with state disability
programs, Social Security, and any other group disability coverage, to provide you with a combined monthly benefit equal to 70%
of your pre‐disability earnings up to a maximum benefit of $2,300 per week.

Anthem Blue Cross | Long Term Disability Insurance
Lake Avenue Church offers you Long Term Disability (LTD) to provide income replacement if you become disabled for an extended
period of time, through Anthem Blue Cross. If you become totally and permanently disabled, benefits begin 90 days after the start
of your illness or injury and will continue as long as you remain disabled up to Social Security Normal Retirement Age. LTD works
with state disability programs, Social Security, and any other group disability coverage, to provide you with a combined monthly
benefit . The benefit is classified in two types:
• Class 1 (Employees making over $45,000) - 67% of Your Basic Monthly Earnings, maximum Weekly Benefit—$10,000.
• Class 2 (Employees making less than $45,000) - 67% of Your Basic Monthly Earnings, maximum Weekly Benefit—$6,000.

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