Benefit Summary Highlights for West Texas Employee Benefits Cooperative. Underwritten by Aetna Life Insurance Company Long Term Disability Insurance

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1 Summary Highlights for West Texas Employee s Underwritten by Aetna Life Insurance Company Long Term Disability Insurance Eligibility: All active full time employees working 20 hours per week or more. Purpose: Long Term Disability insurance provides income replacement benefits for you and your family in the event you are unable to work due to an accident or sickness. Maximizing Income Protection Long Term Disability (LTD) Insurance can offer an affordable way for educators and administrators to protect their lifestyles and the people who depend upon them. Employees can choose from a selection of LTD features they feel best match their financial needs. Employees can choose their Amount in $100 increments, from $200 to $8,000 (not to exceed 70% of monthly earnings). Employees can choose from among six accident/sickness Waiting Periods. A benefit waiting period is the period of time in which an employee must be continuously disabled before you are eligible for benefits. Accident Sickness 0 Days 7 Days 14 Days 14 Days 30 Days 60 Days 90 Days 180 Days 30 Days 60 Days 90 Days 180 Days Period: Plan A: ADEA II for Disability due to Injury and sickness Disabled less than age 60, benefits continue to end of the month age 65 Age at Disability age 60-64, age 65-69, age 70+ Duration 60 months to end of month age 70 or 1 yr 1 year

2 Plan B: 2 YR Reducing Duration for Disability due to Accident or Sickness: If an employee becomes disabled before age 68, benefits may continue for 2 years. If they become disabled at age 68, benefits continue to the end of month age 70 or 1 year. If they become disabled age 69 or over, benefits continue for 1 year. Limitations & Exclusions: s for Mental/Nervous/Substance Abuse/Self-Reported Illnesses are limited to 24 months lifetime combined Pre-Existing Exclusion: There is a 3/12 pre-existing conditions clause. This is a look back period to see if you were treatment-free for a 3-month period prior to the effective date of your coverage. If you weren t treatment-free, the pre-existing condition is excluded from coverage if you re disabled within 12-months of first becoming insured. In addition, if during an annual enrollment period you apply for additional benefits or select a shorter elimination period, this plan will not cover the increase in your coverage if you have a pre-existing condition.

3 Plan Features Employees can protect as much as $8,000 of their income as long as the benefit is not greater than 70% of their salary. Definition of Disability 2 Year Own Occ with Residual. Covers Non-Occupational and Occupational disabilities not in lieu of Workers Compensation. During the Elimination Period and the Own Occupation Period any day that an individual is unable to perform the material duties of his/her own occupation; or while unable to perform the material duties of his/her own occupation, is performing at least one of the material duties of any occupation on a part-time or full-time basis and has lost at least 20% of their indexed pre-disability earnings due to a disable condition. After the Own Occupation Period any day that an individual is unable to perform the material duties of any occupation for which he/she is or may become fitted, based on training, education or experience; or while unable to perform the material duties of any reasonable occupation, is performing at least one of the material duties of any occupation on a part-time or full-time basis and has lost at least 40% of his/her pre-indexed earnings due to a disabling condition. 1 st Day Hospital This feature waives the waiting period if an insured is hospitalized. Hospitalized means that, if because of your disability, you are hospital confined as an inpatient, benefits begin the first day of inpatient confinement. Inpatient means you are confined to a hospital room due to your sickness or injury, for 24 or more consecutive hours. This benefit is included in the 0/7, 14/14, and 30/30 waiting periods. 12 Month Return-to-Work Incentive This benefit gives an employee the opportunity to return to work part time earning some income plus receive LTD benefits allowing them to receive up to 100% income replacement during the first 12 months. Deductible Income Income benefit sources payable to the employee, employee s spouse, children and/or dependents due to the employee s disability or retirement. Sources include, but are not limited to, benefits payable from: unemployment compensation, Workers Comp, statutory disability plans, veteran s benefits, Assault Leave s, and any other group or association disability or retirement plans. The following Income benefit sources have a 6 month deferral in which no offset will be applied. Employer provided sick leave or salary continuation, Auto Liability Insurance, Social Security, 3 rd party liability, statutory disability plans or any other group or association disability. All other offsets are immediate. Survivor Pays a lump sum equal to 3 times the non-integrated LTD benefit after 180 days of disability. Waiver of Premium If you become disabled, your premium payment for your insurance will be waived on any premium due date on which: (1) You remain Disabled for 90 consecutive days; and (2) Disability s are being paid or are payable for the Disability. Rehabilitation Plan During the employee s active participation in an Aetna Approved Rehab Program, Aetna will pay an additional 10% of the monthly benefit, after all applicable reductions for other income benefits, but not more than $500 per month. This incentive will be paid up to 6 consecutive months for each period of disability Continuity of Coverage Insured individuals do not lose coverage due to an employer s change in group insurance carriers. Minimum 10% of gross maximum or $100.

4 Medical Treatment The benefit will be paid when you receive treatment by a doctor as a result of a sickness or injury, provided no other benefits are payable under the plan as a result of the condition for which the treatment was rendered. The charges must be for medically necessary care and treatment. The Medical Treatment will be the doctor s actual charge for services rendered, up to a maximum benefit of $50 for sickness and $100 for injury. A maximum of 4 medical treatment benefits will be paid in a calendar year. Child/Dependent Care Included After 6 months of benefit are paid, a benefit is available to reimburse an employee for dependent care expenses while participating in an approved rehabilitation program. An amount of $350 per month per dependent to a maximum of $1,000 is payable for up to 24 months. Worksite Modification This benefit allows Aetna to pay for expenses of worksite modifications that result in a disabled employee s return to work. EAP Enhanced EAP for LTD Insured members includes 3 fact to face counseling sessions for LTD covered members & their immediate household members per year and unlimited telephonic EAP consultations. Social Security Assistance Assistance for eligible employees with the application process for Social Security disability benefits. Late Entrant Employees who enroll for any contributory LTD coverage more than 60 days later than the date they are first eligible or elect to increase their coverage or who were previously declined for coverage are subject to the Pre ex rules.

5 West Texas Employee s Plan A Accident/Sickness Waiting Period Cost $3,429 $286 $ $7.14 $5.70 $4.70 $3.22 $2.78 $2.14 $5,143 $429 $ $10.71 $8.55 $7.05 $4.83 $4.17 $3.21 $6,857 $571 $ $14.28 $11.40 $9.40 $6.44 $5.56 $4.28 $8,571 $714 $ $17.85 $14.25 $11.75 $8.05 $6.95 $5.35 $10,286 $857 $ $21.42 $17.10 $14.10 $9.66 $8.34 $6.42 $12,000 $1,000 $ $24.99 $19.95 $16.45 $11.27 $9.73 $7.49 $13,714 $1,143 $ $28.56 $22.80 $18.80 $12.88 $11.12 $8.56 $15,429 $1,286 $ $32.13 $25.65 $21.15 $14.49 $12.51 $9.63 $17,143 $1,429 $1, $35.70 $28.50 $23.50 $16.10 $13.90 $10.70 $18,857 $1,571 $1, $39.27 $31.35 $25.85 $17.71 $15.29 $11.77 $20,571 $1,714 $1, $42.84 $34.20 $28.20 $19.32 $16.68 $12.84 $22,286 $1,857 $1, $46.41 $37.05 $30.55 $20.93 $18.07 $13.91 $24,000 $2,000 $1, $49.98 $39.90 $32.90 $22.54 $19.46 $14.98 $25,714 $2,143 $1, $53.55 $42.75 $35.25 $24.15 $20.85 $16.05 $27,429 $2,286 $1, $57.12 $45.60 $37.60 $25.76 $22.24 $17.12 $29, $1, $60.69 $48.45 $39.95 $27.37 $23.63 $18.19 $30,857 $2,571 $1, $64.26 $51.30 $42.30 $28.98 $25.02 $19.26 $32,571 $2,714 $1, $67.83 $54.15 $44.65 $30.59 $26.41 $20.33 $34,286 $2,857 $2, $71.40 $57.00 $47.00 $32.20 $27.80 $21.40 $36,000 $3,000 $2, $74.97 $59.85 $49.35 $33.81 $29.19 $22.47 $37,714 $3,143 $2, $78.54 $62.70 $51.70 $35.42 $30.58 $23.54 $39,429 $3,286 $2, $82.11 $65.55 $54.05 $37.03 $31.97 $24.61 $41,143 $3,429 $2, $85.68 $68.40 $56.40 $38.64 $33.36 $25.68 $42,857 $3,571 $2, $89.25 $71.25 $58.75 $40.25 $34.75 $26.75 $44,571 $3,714 $2, $92.82 $74.10 $61.10 $41.86 $36.14 $27.82 $46,286 $3,857 $2, $96.39 $76.95 $63.45 $43.47 $37.53 $28.89 $48,000 $4,000 $2, $99.96 $79.80 $65.80 $45.08 $38.92 $29.96 $49,714 $4,143 $2, $ $82.65 $68.15 $46.69 $40.31 $31.03 $51,429 $4,286 $3, $ $85.50 $70.50 $48.30 $41.70 $32.10 $53,143 $4,429 $3, $ $88.35 $72.85 $49.91 $43.09 $33.17 $54,857 $4,571 $3, $ $91.20 $75.20 $51.52 $44.48 $34.24 $56,571 $4,714 $3, $ $94.05 $77.55 $53.13 $45.87 $35.31 $58,286 $4,857 $3, $ $96.90 $79.90 $54.74 $47.26 $36.38 Find your annual/monthly earnings above to determine your. If your annual/monthly earnings are not shown, use the next lower annual/monthly earnings and corresponding.

6 West Texas Employee s Plan A Accident/Sickness Waiting Period Cost $63,000 $5,000 $3, $ $99.75 $82.25 $56.35 $48.65 $37.45 $64,800 $5,143 $3, $ $ $84.60 $57.96 $50.04 $38.52 $66,600 $5,286 $3, $ $ $86.95 $59.57 $51.43 $39.59 $68,400 $5,429 $3, $ $ $89.30 $61.18 $52.82 $40.66 $70,200 $5,571 $3, $ $ $91.65 $62.79 $54.21 $41.73 $72,000 $5,714 $4, $ $ $94.00 $64.40 $55.60 $42.80 $73,800 $5,857 $4, $ $ $96.35 $66.01 $56.99 $43.87 $75,600 $6,000 $4, $ $ $98.70 $67.62 $58.38 $44.94 $77,400 $6,143 $4, $ $ $ $69.23 $59.77 $46.01 $79,200 $6,286 $4, $ $ $ $70.84 $61.16 $47.08 $81,000 $6,429 $4, $ $ $ $72.45 $62.55 $48.15 $82,800 $6,571 $4, $ $ $ $74.06 $63.94 $49.22 $84,600 $6,714 $4, $ $ $ $75.67 $65.33 $50.29 $86,400 $6,857 $4, $ $ $ $77.28 $66.72 $51.36 $88,200 $7,000 $4, $ $ $ $78.89 $68.11 $52.43 $90,000 $7,143 $5, $ $ $ $80.50 $69.50 $53.50 $91,800 $7,286 $5, $ $ $ $82.11 $70.89 $54.57 $93,600 $7,429 $5, $ $ $ $83.72 $72.28 $55.64 $95,400 $7,571 $5, $ $ $ $85.33 $73.67 $56.71 $97,200 $7,714 $5, $ $ $ $86.94 $75.06 $57.78 $99,000 $7,857 $5, $ $ $ $88.55 $76.45 $58.85 $100,800 $8,000 $5, $ $ $ $90.16 $77.84 $59.92 $102,600 $8,143 $5, $ $ $ $91.77 $79.23 $60.99 $104,400 $8,286 $5, $ $ $ $93.38 $80.62 $62.06 $106,200 $8,429 $5, $ $ $ $94.99 $82.01 $63.13 $108,000 $8,571 $6, $ $ $ $96.60 $83.40 $64.20 $109,800 $8,714 $6, $ $ $ $98.21 $84.79 $65.27 $111,600 $8,857 $6, $ $ $ $99.82 $86.18 $66.34 $113,400 $9,000 $6, $ $ $ $ $87.57 $67.41 $115,200 $9,143 $6, $ $ $ $ $88.96 $68.48 $117,000 $9,286 $6, $ $ $ $ $90.35 $69.55 $118,800 $9,429 $6, $ $ $ $ $91.74 $70.62 $120,600 $9,571 $6, $ $ $ $ $93.13 $71.69 $122,400 $9,714 $6, $ $ $ $ $94.52 $72.76 Find your annual/monthly earnings above to determine your. If your annual/monthly earnings are not shown, use the next lower annual/monthly earnings and corresponding.

7 West Texas Employee s Plan A Accident/Sickness Waiting Period Cost $124,200 $9,857 $6, $ $ $ $ $95.91 $73.83 $126,000 $10,000 $7, $ $ $ $ $97.30 $74.90 $121,714 $10,143 $7, $ $ $ $ $98.69 $75.97 $123,429 $10,286 $7, $ $ $ $ $ $77.04 $125,143 $10,429 $7, $ $ $ $ $ $78.11 $126,857 $10,571 $7, $ $ $ $ $ $79.18 $128,571 $10,714 $7, $ $ $ $ $ $80.25 $130,286 $10,857 $7, $ $ $ $ $ $81.32 $132,000 $11,000 $7, $ $ $ $ $ $82.39 $133,714 $11,143 $7, $ $ $ $ $ $83.46 $135,429 $11,286 $7, $ $ $ $ $ $84.53 $137,143 $11,429 $8, $ $ $ $ $ $85.60 Find your annual/monthly earnings above to determine your. If your annual/monthly earnings are not shown, use the next lower annual/monthly earnings and corresponding.

8 West Texas Employee s Plan B Accident/Sickness Waiting Period Cost $3,429 $286 $ $5.48 $4.20 $3.12 $1.82 $1.42 $0.98 $5,143 $429 $ $8.22 $6.30 $4.68 $2.73 $2.13 $1.47 $6,857 $571 $ $10.96 $8.40 $6.24 $3.64 $2.84 $1.96 $8,571 $714 $ $13.70 $10.50 $7.80 $4.55 $3.55 $2.45 $10,286 $857 $ $16.44 $12.60 $9.36 $5.46 $4.26 $2.94 $12,000 $1,000 $ $19.18 $14.70 $10.92 $6.37 $4.97 $3.43 $13,714 $1,143 $ $21.92 $16.80 $12.48 $7.28 $5.68 $3.92 $15,429 $1,286 $ $24.66 $18.90 $14.04 $8.19 $6.39 $4.41 $17,143 $1,429 $1, $27.40 $21.00 $15.60 $9.10 $7.10 $4.90 $18,857 $1,571 $1, $30.14 $23.10 $17.16 $10.01 $7.81 $5.39 $20,571 $1,714 $1, $32.88 $25.20 $18.72 $10.92 $8.52 $5.88 $22,286 $1,857 $1, $35.62 $27.30 $20.28 $11.83 $9.23 $6.37 $24,000 $2,000 $1, $38.36 $29.40 $21.84 $12.74 $9.94 $6.86 $25,714 $2,143 $1, $41.10 $31.50 $23.40 $13.65 $10.65 $7.35 $27,429 $2,286 $1, $43.84 $33.60 $24.96 $14.56 $11.36 $7.84 $29, $1, $46.58 $35.70 $26.52 $15.47 $12.07 $8.33 $30,857 $2,571 $1, $49.32 $37.80 $28.08 $16.38 $12.78 $8.82 $32,571 $2,714 $1, $52.06 $39.90 $29.64 $17.29 $13.49 $9.31 $34,286 $2,857 $2, $54.80 $42.00 $31.20 $18.20 $14.20 $9.80 $36,000 $3,000 $2, $57.54 $44.10 $32.76 $19.11 $14.91 $10.29 $37,714 $3,143 $2, $60.28 $46.20 $34.32 $20.02 $15.62 $10.78 $39,429 $3,286 $2, $63.02 $48.30 $35.88 $20.93 $16.33 $11.27 $41,143 $3,429 $2, $65.76 $50.40 $37.44 $21.84 $17.04 $11.76 $42,857 $3,571 $2, $68.50 $52.50 $39.00 $22.75 $17.75 $12.25 $44,571 $3,714 $2, $71.24 $54.60 $40.56 $23.66 $18.46 $12.74 $46,286 $3,857 $2, $73.98 $56.70 $42.12 $24.57 $19.17 $13.23 $48,000 $4,000 $2, $76.72 $58.80 $43.68 $25.48 $19.88 $13.72 $49,714 $4,143 $2, $79.46 $60.90 $45.24 $26.39 $20.59 $14.21 $51,429 $4,286 $3, $82.20 $63.00 $46.80 $27.30 $21.30 $14.70 $53,143 $4,429 $3, $84.94 $65.10 $48.36 $28.21 $22.01 $15.19 $54,857 $4,571 $3, $87.68 $67.20 $49.92 $29.12 $22.72 $15.68 $56,571 $4,714 $3, $90.42 $69.30 $51.48 $30.03 $23.43 $16.17 $58,286 $4,857 $3, $93.16 $71.40 $53.04 $30.94 $24.14 $16.66 Find your annual/monthly earnings above to determine your. If your annual/monthly earnings are not shown, use the next lower annual/monthly earnings and corresponding.

9 West Texas Employee s Plan B Accident/Sickness Waiting Period Cost $63,000 $5,000 $3, $95.90 $73.50 $54.60 $31.85 $24.85 $17.15 $64,800 $5,143 $3, $98.64 $75.60 $56.16 $32.76 $25.56 $17.64 $66,600 $5,286 $3, $ $77.70 $57.72 $33.67 $26.27 $18.13 $68,400 $5,429 $3, $ $79.80 $59.28 $34.58 $26.98 $18.62 $70,200 $5,571 $3, $ $81.90 $60.84 $35.49 $27.69 $19.11 $72,000 $5,714 $4, $ $84.00 $62.40 $36.40 $28.40 $19.60 $73,800 $5,857 $4, $ $86.10 $63.96 $37.31 $29.11 $20.09 $75,600 $6,000 $4, $ $88.20 $65.52 $38.22 $29.82 $20.58 $77,400 $6,143 $4, $ $90.30 $67.08 $39.13 $30.53 $21.07 $79,200 $6,286 $4, $ $92.40 $68.64 $40.04 $31.24 $21.56 $81,000 $6,429 $4, $ $94.50 $70.20 $40.95 $31.95 $22.05 $82,800 $6,571 $4, $ $96.60 $71.76 $41.86 $32.66 $22.54 $84,600 $6,714 $4, $ $98.70 $73.32 $42.77 $33.37 $23.03 $86,400 $6,857 $4, $ $ $74.88 $43.68 $34.08 $23.52 $88,200 $7,000 $4, $ $ $76.44 $44.59 $34.79 $24.01 $90,000 $7,143 $5, $ $ $78.00 $45.50 $35.50 $24.50 $91,800 $7,286 $5, $ $ $79.56 $46.41 $36.21 $24.99 $93,600 $7,429 $5, $ $ $81.12 $47.32 $36.92 $25.48 $95,400 $7,571 $5, $ $ $82.68 $48.23 $37.63 $25.97 $97,200 $7,714 $5, $ $ $84.24 $49.14 $38.34 $26.46 $99,000 $7,857 $5, $ $ $85.80 $50.05 $39.05 $26.95 $100,800 $8,000 $5, $ $ $87.36 $50.96 $39.76 $27.44 $102,600 $8,143 $5, $ $ $88.92 $51.87 $40.47 $27.93 $104,400 $8,286 $5, $ $ $90.48 $52.78 $41.18 $28.42 $106,200 $8,429 $5, $ $ $92.04 $53.69 $41.89 $28.91 $108,000 $8,571 $6, $ $ $93.60 $54.60 $42.60 $29.40 $109,800 $8,714 $6, $ $ $95.16 $55.51 $43.31 $29.89 $111,600 $8,857 $6, $ $ $96.72 $56.42 $44.02 $30.38 $113,400 $9,000 $6, $ $ $98.28 $57.33 $44.73 $30.87 $115,200 $9,143 $6, $ $ $99.84 $58.24 $45.44 $31.36 $117,000 $9,286 $6, $ $ $ $59.15 $46.15 $31.85 $118,800 $9,429 $6, $ $ $ $60.06 $46.86 $32.34 $120,600 $9,571 $6, $ $ $ $60.97 $47.57 $32.83 $122,400 $9,714 $6, $ $ $ $61.88 $48.28 $33.32 Find your annual/monthly earnings above to determine your. If your annual/monthly earnings are not shown, use the next lower annual/monthly earnings and corresponding.

10 West Texas Employee s Plan B Accident/Sickness Waiting Period Cost $124,200 $9,857 $6, $ $ $ $62.79 $48.99 $33.81 $126,000 $10,000 $7, $ $ $ $63.70 $49.70 $34.30 $121,714 $10,143 $7, $ $ $ $64.61 $50.41 $34.79 $123,429 $10,286 $7, $ $ $ $65.52 $51.12 $35.28 $125,143 $10,429 $7, $ $ $ $66.43 $51.83 $35.77 $126,857 $10,571 $7, $ $ $ $67.34 $52.54 $36.26 $128,571 $10,714 $7, $ $ $ $68.25 $53.25 $36.75 $130,286 $10,857 $7, $ $ $ $69.16 $53.96 $37.24 $132,000 $11,000 $7, $ $ $ $70.07 $54.67 $37.73 $133,714 $11,143 $7, $ $ $ $70.98 $55.38 $38.22 $135,429 $11,286 $7, $ $ $ $71.89 $56.09 $38.71 $137,143 $11,429 $8, $ $ $ $72.80 $56.80 $39.20 Find your annual/monthly earnings above to determine your. If your annual/monthly earnings are not shown, use the next lower annual/monthly earnings and corresponding.