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Benefits





         Life and AD&D Insurance
         Cigna | Basic Life and AD&D Insurance
         Life insurance protects your family or other beneficiaries in the event of your death while you are s ll ac vely employed with the
         company. Confie pays for coverage, offered through Cigna, in the amount of 1  mes your annual base salary to a maximum benefit
         of  $300,000.  If  your  death  is  due  to  a  covered  accident  or  injury,  your  beneficiary  will  receive  an  addi onal  amount  through
         Accidental Death and Dismemberment (AD&D) coverage.

         Cigna | Supplemental Life and AD&D Insurance
         In addi on to the company provided Basic Life and AD&D benefits, you may elect to purchase addi onal Supplemental Life and
         AD&D insurance at discounted group rates provided by Cigna. You pay for this coverage with a er‐tax dollars through convenient
         payroll deduc ons.

         COVERAGE                      BENEFIT
         Supplemental Life Insurance

         For you                       $10,000 increments, up to $500,000 maximum, $150,000 Guarantee Issue*
         For your spouse               $5,000 increments, up to $100,000 maximum, not to exceed 50% of employee
                                       coverage. Spouse Guarantee Issue is $20,000.

         For your child(ren)           Benefits for your children are available in the amount of $10,000 from 6 months to 26 years.
                                       Birth to 14 days: $500. 15 days to 6 months: $1,000.


         *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  ini al  eligibility  period  (upon  hire).   Outside  of  your  ini al  enrollment  period,  any  amount  purchased  for
         Supplemental Life will be subject to evidence of insurability (EOI)






                 SUPPLEMENTAL LIFE—EMPLOYEE & SPOUSE                         SUPPLEMENTAL LIFE— CHILDREN
                 (SPOUSE AGE IS BASED ON EMPLOYEE’S AGE)                             $10,000 Benefit
         AGE                      Monthly Premium Rate             All Children               $1.43/Month
                                  (per $1,000 of coverage)

         < 25                            $0.057                           SUPPLEMENTAL AD&D—EMPLOYEE ONLY
         25‐29                           $0.057
                                                                   All Ages             $0.02 / $1,000 of coverage
         30‐34                           $0.067
         35‐39                           $0.086
                                                                      HOW TO CALCULATE THE COST OF SUPPLEMENTAL
         40‐44                           $0.133                                 LIFE AND AD&D INSURANCE
         45‐49                           $0.219                       Divide your coverage amount by 1,000. Mul ply the
                                                                     result by the applicable rate, based on your age, from
         50‐54                           $0.361
                                                                      the rate table to determine your monthly premium.
         55‐59                           $0.570
         60‐64                           $0.884

         65‐69                           $1.596
         70+                             $2.850





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