Group Customized Disability Benefits

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1 Group Customized Disability Benefits for Employees of Port Arthur Independent School District Policy # All Eligible Employees Disability can happen to anyone. Want to know more about your chances of becoming disabled? Sun Life is a founding member of the Council for Disability Awareness. Visit happen.org and find out your Personal Disability Quotient. Benefits Coverage for all full-time employees working in the United States 20 hours or more per week. This Customized Disability plan from Sun Life allows you to customize your coverage from the following options - Benefit Duration: this plan provides coverage for disabilities due to Accident and Sicknesses: Choices 1-5: 65/5/70 Choices 6-10: Sickness 5 years, Accident SSNRA (Social Security Normal Retirement Age) - Elimination Period: this plan allows you to select the amount of time that you must be disabled before benefits are available. Options are Choice 1: 14 days for Accident and Sickness Choice 2: 30 days for Accident and Sickness Choice 3: 60 days for Accident and Sickness Choice 4: 90 days for Accident and Sickness Choice 5: 180 days for Accident and Sickness Choice 6: 14 days for Accident and Sickness Choice 7: 30 days for Accident and Sickness Choice 8: 60 days for Accident and Sickness Choice 9: 90 days for Accident and Sickness Choice 10: 180 days for Accident and Sickness Employees must meet the definition of Total Disability as defined in the policy to be eligible for the benefits described here. - Benefit Amount: this plan allows you to select a benefit amount between $200 and $8,000 per month, in increments of $100. The benefit elected cannot exceed 66.67% of your Total Monthly Earnings. Benefits are not payable for 3/12 pre-existing conditions as defined in the policy. Included Benefits: In addition, your coverage will be enhanced to meet your needs with these included benefits: - Child Care Benefit (CCB): Pays an additional benefit to insured in an approved rehabilitation program if they have a qualifying dependent enrolled in approved child care. Survivor Benefit (SB): Pays a 3 months lump sum gross Survivor benefit.

2 How to enroll Features of the Plan A portion of your salary is protected if you can't work and your claim for disability benefits is approved. You receive a percentage of your income when a covered disability prevents you from working. By having a portion of your income coming in, you may avoid having to rely on your savings to cover expenses in case you become ill or get injured. You get personal service. When you file a claim, you are assigned to a benefits disability claims specialist who will guide you through the process and answer any questions. You will also receive comprehensive rehabilitation services. Using a team approach, our medical, psychiatric, and vocational professionals actively manage your disability claim and work together to create a return-to-work plan designed just for you. We offer vocational rehabilitation, job search assistance, and financial assistance for worksite accommodations and other expenses. You may qualify for an additional benefit. Our Retro Disability Benefits gives you an extra lump sum payment should you face a catastrophic illness or injury requiring an immediate and prolonged hospital stay. To qualify for Retro Disability Benefits, you must have been continuously hospitalized for 14 days or more at the onset of an approved Total Disability. You have access to a service that can help you manage work/life demands. Sun Life has partnered with Harris, Rothenberg International, Inc. (HRI) to offer 24/7 assistance to help you through a variety of services even if you re not disabled. These Convenience Services can include assistance finding gifts, scheduling home repairs, making reservations, locating services like prescription delivery, scheduling transportation for medical appointments, and more. Additionally, HRI s Adult Care Management Services offers access to master slevel Adult Care Specialists who consult with and support employees in making care decisions about their loved ones. This assistance can range from care planning to addressing end-of-life issues. Customized Disability coverage begins once you meet the eligibility requirements, satisfy any waiting period applicable to your policy, and complete the enrollment process. To enroll, go to the Company s designated enrollment website to make your elections. For complete plan details This is an overview of the benefits available from your employer and is not a complete description of plan provisions. It does not certify eligibility for benefits under this plan. Your employer will provide you with the Sun Life booklet containing complete plan details.

3 About Evidence of Insurability Evidence of Insurability also called proof of good health is required if: you decline coverage during your initial eligibility period and then want coverage at a later date, or All late entrants and increases in coverage require Evidence of Insurability. Your employer will advise you if you need to submit an Evidence of Insurability application. If so, Sun Life Financial may arrange for you to take a medical exam (at our expense) and/or complete a questionnaire. Coverage will not go into effect until Sun Life approves the application. Limitations Subject to state variations, Limitations include but are not limited to the list below. Limitations may vary depending on your specific benefit plan. No Customized Disability benefit will be payable for any Total or Partial Disability during any of the following periods: any period you are not under the regular and continuing care of a physician providing appropriate treatment and regular examination and testing in accordance with the disabling condition, unless you have reached a maximum point of recovery and are still Totally or Partially disabled. any period you fail to submit to any medical examination or clinical assessment requested by Sun Life. any period you are incarcerated. Exclusions Subject to state variations, Exclusions include but are not limited to the list below. Exclusions may vary depending on your specific benefit plan. No Customized Disability benefit will be payable for any Total or Partial Disability that is due to: an intentionally self-inflicted injury, war, declared or undeclared, or any act of war, active participation in a riot, rebellion, or insurrection, or committing or attempting to commit an assault, felony, or other criminal acts If a pre-existing condition limitation applies to the plan, then no Customized Disability benefit is payable for any period of disability that occurs within the exclusionary period and is caused by, contributed by, or resulted from a pre-existing condition. For more information, consult with your Benefits Administrator. Exclusions may vary depending on your specific benefit plan and state requirements. This overview is preliminary to the issuance of the policy and booklet certificate. It does not describe the specific benefits under the policy. This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department. This coverage does not constitute comprehensive health insurance (often referred to as major medical coverage ) and does not satisfy the requirement for Minimum Essential Coverage under the Affordable Care Act. Group customized disability insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 12-GP-01 and 12-DI-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations. Not available in New York Sun Life Assurance Company of Canada, Wellesley Hills, MA All rights reserved. Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. Visit us at SLPC /13 (exp. 12/15)

4 Rate Sheet Employee - Coverage and monthly cost for Customized Disability. The chart below shows possible coverage amounts and corresponding costs per month. Locate the annual earnings closest to your salary, without exceeding it. The corresponding coverage amount represents the maximum coverage you could select. If you would like to purchase an amount of coverage that is available through your plan, but not displayed below, refer to the Benefit Highlighter to determine the cost. Monthly Annual Coverage Earnings Amounts Choice 1 Choice 2 Choice 3 Choice 4 Choice 5 Choice 6 Choice 7 Choice 8 Choice 9 Choice 10 $3,590 $ $5,380 $ $7,170 $ $8,960 $ $10,750 $ $12,540 $ $14,330 $ $16,120 $ $17,920 $1, $19,710 $1, $21,500 $1, $23,290 $1, $25,080 $1, $26,870 $1, $28,660 $1, $30,450 $1, $32,240 $1, $34,030 $1, $35,830 $2, $37,620 $2, $39,410 $2, $41,200 $2, $42,990 $2, $44,780 $2, $46,570 $2, $48,360 $2, $50,150 $2, $51,950 $2, $53,740 $3, $55,530 $3, $57,320 $3, $59,110 $3, $60,900 $3, $62,690 $3, $64,480 $3, $66,270 $3, $68,060 $3, $69,860 $3, $71,650 $4, $73,440 $4, $75,230 $4, $77,020 $4, $78,810 $4, $80,600 $4, $82,390 $4, $84,180 $4, $85,980 $4,

5 Monthly Annual Coverage Earnings Amounts Choice 1 Choice 2 Choice 3 Choice 4 Choice 5 Choice 6 Choice 7 Choice 8 Choice 9 Choice 10 $87,770 $4, $89,560 $5, $91,350 $5, $93,140 $5, $94,930 $5, $96,720 $5, $98,510 $5, $100,300 $5, $102,090 $5, $103,890 $5, $105,680 $5, $107,470 $6, $109,260 $6, $111,050 $6, $112,840 $6, $114,630 $6, $116,420 $6, $118,210 $6, $120,000 $6, $121,800 $6, $123,590 $6, $125,380 $7, $127,170 $7, $128,960 $7, $130,750 $7, $132,540 $7, $134,330 $7, $136,120 $7, $137,920 $7, $139,710 $7, $141,500 $7, $143,290 $8,