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[EMPLOYEE BENEFITS]

LIFE AND AD&D INSURANCE

HARTFORD | BASIC LIFE AND 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.
Lyon Living pays for coverage, offered through Hartford, in the amount of 1x 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. Please note, age reductions apply.

HARTFORD | 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 Hartford. If elected, you pay for this coverage with after-tax dollars through convenient
payroll deductions.

Life insurance benefits are available in the following amounts:
• Employee: Benefits for yourself are available in increments of $10,000 up to a maximum benefit of $500,000, not to exceed 3 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 $10,000 to a maximum benefit of $50,000 and may not exceed 100% 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 $2,500 or $5,000. Children ages 14 days to six months can be covered with a $500 benefit.

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 3x your annual salary or $200,000
• Spouse = $20,000
• Child(ren) = N/A

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. Hartford may approve or decline coverage based on a review of your health history.

DISABILITY INSURANCE

HARTFORD | VOLUNTARY SHORT TERM DISABILITY

Lyon Living offers you the opportunity to purchase Voluntary Short Term Disability (STD) income replacement at discounted group
rates, through Hartford. If you experience a temporary disability, benefits begin on the 8th day following the start of your disability and
will continue 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 60% of your pre-disability earnings up to a maximum benefit of
$2,000 per week.

HARTFORD | LONG TERM DISABILITY
Lyon Living offers you Long Term Disability (LTD) to provide income replacement if you become disabled for an extended period of
time, through Hartford. 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 equal to 66.67% of your pre-
disability earnings up to a maximum benefit of $10,000 per month.
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