Allstate Benefits Let our personalized benefit offerings put you and your family in Good Hands

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1 Voluntary Benefit Coverage from Allstate Benefits Let our personalized benefit offerings put you and your family in Good Hands Four reasons you should consider purchasing our coverage FAMILY BENEFITS PRICE PAYROLL You can choose to cover yourself or your entire family* * Disability Coverage is for Member Only. Flexible benefit options available to meet your needs The cost of our coverage is very affordable Premiums are deducted from your paycheck Offered to the Members of: Tennessee State Employees Association You can plan for protection against life s uncertainties with our group voluntary Critical Illness, Disability and Life insurance coverage ABJ31501X Allstate Benefits allstatebenefits.com

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3 Critical Illness Insurance from Allstate Benefits Let our personalized benefit offerings put you and your family in Good Hands Protection for out-of-pocket expenses upon a positive diagnosis You can t predict the future, but you can plan for it. We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefits. 0 sec. 34 sec. 40 sec. Every 34 seconds, an American will suffer a heart attack.* Our coverage helps offer financial support if you are diagnosed with a covered critical illness. With the expense of treatment often so high, seeking the treatment you need seems like a heavy financial burden. But when a diagnosis occurs, what you should be focusing on is getting better. With Allstate Benefits, you gain the power to take control of your health when faced with a covered event. Here s How It Works You select the benefit coverage amount you want based on your individual need and your budget. If you have covered family members, our coverage also provides cash benefits for them. Then, if diagnosed with a covered critical illness, you will receive a cash benefit based on the percentage payable for the condition. With Allstate Benefits, you gain the power to make treatment decisions without putting your finances at risk. Are you in Good Hands? You can be. Every 40 seconds someone in the US has a stroke.* 1 min. Key Features Guaranteed Issue coverage, meaning no medical questions to answer Coverage available for spouse and child(ren) Benefits are paid regardless of any other coverage Premiums are affordable and are conveniently payroll deducted Coverage may be continued See reverse for plan details * 3

4 Benefits are paid to you Benefits are paid in addition to any other insurance you may have CHOOSE You choose the benefits to help protect yourself and any family members if diagnosed with a covered critical illness USE You go to your annual exam, the doctor runs tests, the results come back, and you re diagnosed with a critical illness CLAIM You go online and file a claim. The cash benefits are paid to you, to use however you wish YOU DECIDE how to use the cash benefits Our cash benefits provide you with greater coverage options because you get to determine how to use them. Finances Can help protect your HSAs, savings, retirement plans and 401ks from being depleted Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city Home You can use your cash benefits to help pay the mortgage, continue rental payments, or perform needed home repairs for your after care Expenses The lump-sum cash benefit can be used to help pay your family s living expenses such as bills, electricity and gas Access Your Benefits and Claim Filings Accessing your benefit information using MyBenefits has never been easier. MyBenefits is an easy-to-use website that offers you 24/7 access to important information about your benefits. Plus, you can submit and check your claims (including claim history), request your cash benefit to be direct deposited, make changes to personal information, and more. Benefit Amounts Covered Dependents Receive 50% Of Your Benefit Amount INITIAL CRITICAL ILLNESS BENEFITS PLAN 1 PLAN 2 Heart Attack (100%) $10,000 $20,000 Stroke (100%) $10,000 $20,000 Coronary Artery Bypass Surgery (25%) $2,500 $5,000 Major Organ Transplant (100%) $10,000 $20,000 End Stage Renal Failure (100%) $10,000 $20,000 Waiver of Premium (member only) Yes Yes CANCER CRITICAL ILLNESS BENEFITS PLAN 1 PLAN 2 Invasive Cancer (100%) $10,000 $20,000 Carcinoma in Situ (25%) $2,500 $5,000 SECOND EVENT BENEFITS PLAN 1 PLAN 2 Second Event Initial Critical Illness Benefit (same amount as Initial Critical Illness) Yes Yes Second Event Cancer Critical Illness Benefit (same amount as Cancer Critical Illness) Yes Yes SUPPLEMENTAL CRITICAL ILLNESS BENEFITS II PLAN 1 PLAN 2 Advanced Alzheimer s Disease (25%) $2,500 $5,000 Advanced Parkinson s Disease (25%) $2,500 $5,000 Benign Brain Tumor (100%) $10,000 $20,000 Coma (100%) $10,000 $20,000 Complete Blindness (100%) $10,000 $20,000 Complete Loss of Hearing (100%) $10,000 $20,000 Paralysis (100%) $10,000 $20,000 ADDITIONAL BENEFIT PLAN 1 PLAN 2 Wellness Benefit (per year) $100 $100 PLAN 1 MONTHLY PREMIUMS - $10,000 Basic Benefit Amount Non-tobacco EE, EE + CH $8.07 $11.45 $17.94 $28.84 $44.52 $57.09 EE + SP, F $14.42 $19.49 $29.22 $45.59 $69.10 $87.95 PLAN 2 MONTHLY PREMIUMS - $20,000 Basic Benefit Amount Non-tobacco EE, EE + CH $11.52 $18.26 $31.25 $53.08 $84.41 $ EE + SP, F $19.59 $29.71 $49.19 $81.92 $ $ Tobacco EE, EE + CH $10.15 $15.76 $28.87 $46.14 $73.63 $96.06 EE + SP, F $17.55 $25.96 $45.63 $71.53 $ $ Tobacco EE, EE + CH $15.68 $26.89 $53.12 $87.65 $ $ EE + SP, F $25.83 $42.65 $81.99 $ $ $ EE = Member; EE+SP = Member + Spouse; EE+CH = Member + Child(ren); F = Family 4

5 Disability Insurance from Allstate Benefits Benefits are paid directly to you Provides a monthly benefit if you are disabled and cannot work CHOOSE You select coverage, which can help protect your income if faced with a disability USE You suffer a disability due to sickness. You are unable to work and your paycheck stops CLAIM You file a claim online to begin receiving cash benefits each month you are disabled Like most, unless you know someone who has been disabled, you may not see the value of Disability Insurance. You may think it won t happen to you, but if it does, you are vulnerable to lost income. 57% 57 percent of working Americans have no disability insurance and are therefore vulnerable to losing their income due to an illness or injury 1 Key Features You choose the monthly maximum benefit level that meets your needs Premiums are affordable and conveniently payroll deducted See reverse for plan details A disability may slow you down, but it won t slow down your monthly bills. Expenses such as house and car payments, or even daily expenses such as groceries and gas, will still need to be paid. Disability insurance can help replace your lost income and help ensure your finances are not depleted. Here s How It Works You choose the maximum monthly benefit level that meets your needs. Then, if you are faced with a period of unexpected sickness or off-the-job injury, you will receive cash benefits to use as you see fit. This could include medical treatments, daily living expenses and more. With Allstate Benefits, you gain the power to make treatment decisions without putting your finances at risk. Are you in Good Hands? You can be. 1 Council for Disability Awareness, 2014 Disability Awareness Study 5

6 YOU DECIDE how to use the cash benefits Our cash benefits provide you with greater coverage options because you get to determine how to use them. Finances Can help protect your HSAs, savings, retirement plans and 401ks from being depleted Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city Home You can use your cash benefits to help pay the mortgage, continue rental payments, or perform needed home repairs for your after care Expenses The monthly cash benefit can be used to help pay your family s living expenses such as bills, electricity and gas Benefits Base Policy Benefit Total Disability Partial Disability Pregnancy Organ Donor Waiver of Premium A benefits representative may help with determining the following: Maximum Monthly Benefit: $5,000 Maximum Benefit Period: 6/12 months Elimination Periods for Accident: 14/30 days Sickness: 14/30 days Premium: Or: Maximum Monthly Benefit: $5,000 Maximum Benefit Period: 24 months Elimination Periods for Accident: 90 days Sickness: 90 days Premium: Access Your Benefits and Claim Filings Accessing your benefit information using MyBenefits has never been easier. MyBenefits is an easy-to-use website that offers you 24/7 access to important information about your benefits. Plus, you can submit and check your claims (including claim history), request your cash benefit to be direct deposited, make changes to personal information, and more. 6

7 Life Insurance from Allstate Benefits Protection from life s uncertainties Provides your beneficiary a lump-sum cash benefit when you die A death not only leaves behind loved ones, but also overwhelming financial obligations. And, if you re like most people, you don t have enough life insurance to keep your family afloat if an unexpected death occurs. Give yourself and your loved ones a gift of love put yourself in Good Hands with coverage from Allstate Benefits. 50%+ say additional living expenses, such as Internet, cable and cell phone costs prevent them from purchasing life insurance. 2 Almost 70% say required cost-of-living expenses are keeping them from buying some or more life insurance. 2 Without a Life Insurance policy, your family may have to tap into their savings, retirement, or 401k to help cover final expenses and everyday living expenses, should a breadwinner die unexpectedly. Here s How It Works You choose the coverage that s right for you and your family. With planning, the death benefit can pass to your beneficiaries free from state or federal estate taxes. Consult with your tax advisor for specific information. Then, when life comes to an end, your beneficiary will receive a tax-free death benefit that can be used to help pay for funeral expenses, mortgage payments and more. With Allstate Benefits, you gain peace of mind knowing your loved ones will receive a financial safety net when you die think of it as your final gift of love. Are you in Good Hands? You can be. Key Features You choose the death benefit amount to leave behind Coverage for spouse and children through a separate certificate or rider* Premiums are conveniently payroll deducted Coverage may continue if you leave your job Tax benefits, withdrawals and loans are available. However, penalties and taxes may affect your decision See reverse for plan details 2 Facts from LIMRA, September 2014, Life Insurance Awareness Month *Coverage for spouse and child(ren) is limited to a percentage of the insured s face amount in some states 7

8 Benefits are paid directly to your designated beneficiary Benefits are paid in addition to any other insurance you may have CHOOSE You choose the death benefit to protect your family members, should you die unexpectedly USE Upon death, your loved ones are faced with several personal and financial decisions that can be overwhelming CLAIM Your beneficiary files a claim. The death benefit is paid directly to your beneficiary YOUR BENEFICIARY DECIDES how to use the cash benefits Our cash benefits provide you with greater coverage options because you or your beneficiary get to determine how to use them. Finances The Accelerated Death Benefit riders can help protect your HSAs, savings, retirement plans and 401ks from being depleted Travel Your coverage will provide cash benefits to your beneficiary to help with travel related funeral expenses Home Your beneficiary can use the cash benefits to help pay the mortgage, continue rental payments, or perform needed home repairs Expenses The lump-sum cash benefit can be used to help pay your family s living expenses such as bills, electricity and gas Access Your Benefits and Claim Filings Accessing your benefit information using MyBenefits has never been easier. MyBenefits is an easy-to-use website that offers you 24/7 access to important information about your benefits. Plus, you can submit and check your claims (including claim history), request your cash benefit to be direct deposited, make changes to personal information, and more. Benefits Base Policy Benefit Life: Pays a lump-sum cash benefit when you die. Optional rider benefits are available to you for enrollment. The full certificate, detailing the coverage selected, will be delivered to you. Optional Riders Accelerated Death Benefit for Long Term Care (issue ages: 18-70) Extension of Benefits for Long Term Care (issue ages: 18-70) Total Disability Premium Waiver (Employee only; issue ages: 18-55) Total Disability Payor Waiver of Premium (Spouse only; issue ages: 18-55) Children s Term (issue ages: your age 18-65) The riders listed above have exclusions and limitations. Partial Withdrawals, Surrenders and Non-Qualified Additional Benefit Rider Charges and Loans May Be Subject To Taxes and Penalties Partial withdrawals, surrenders, non-qualified additional benefit rider charges and loans from life insurance policies may be subject to ordinary income taxes and possibly an additional 10% federal tax penalty. Outstanding loan balances and withdrawals generally reduce the death benefit and cash value. With proper planning, the death benefit can pass to your beneficiaries free from state or federal estate taxes. Please consult with your tax advisor for specific information. Life Benefit You may be required to answer health questions at enrollment. Coverage may be available with reduced underwriting for new members during your initial enrollment period. If you enroll after your initial enrollment period, answers to health questions are required. 8

9 Important Information About Coverage Group Critical Illness Issue ages are 18 and over, if Actively at Work. Benefits Specifications (see Benefit Amounts) Heart Attack Exclusion - A cardiac arrest is not a heart attack and is not covered by this benefit. Stroke Exclusions - Does not include: Transient ischemic attacks (TIAs), head injury, chronic cerebrovascular insufficiency and reversible ischemic neurological deficits. Coronary Artery Bypass Surgery Exclusions - Does not include: abdominal aortic bypass, balloon angioplasty, laser embolectomy, atherectomy, stent placement, or other non-surgical procedures. Invasive Cancer Exclusions - Does not include: carcinoma in situ, tumors related to HIV, non-invasive or metastasized skin cancer, or early prostate cancer. Includes: Leukemia and Lymphoma. Carcinoma in Situ Exclusions - Does not include: other skin malignancies, pre-malignant lesions (such as intraepithelial neoplasia), or benign tumors or polyps. Second Event Initial Critical Illness Benefit Conditions - There must be at least 12 months between each diagnosis. A covered person can receive a Second Event Benefit only once for each initial critical illness. Second Event Cancer Critical Illness Benefit Conditions - There must be at least 12 months between each diagnosis. Not payable if the covered person receives treatment during that 12-month period. Treatment does not include maintenance drug therapy or routine follow-up office visits. A covered person can receive the benefit only once for each cancer critical illness. Advanced Alzheimer s Disease Conditions - Must have impaired memory and judgment, and be unable to perform 3 or more daily activities.* Advanced Parkinson s Disease Conditions - Must have 2 or more physical signs and be unable to perform 3 or more daily activities.* Benign Brain Tumor Exclusions - Does not include: tumors of the skull, pituitary adenomas, or germinomas. Paralysis - Permanent loss of use of 2 or more limbs. *Daily activities are: bathing, dressing, toileting, continence, transferring and eating. Wellness Benefit - Pays a benefit each calendar year for one of the following: Bone Marrow Testing; Blood Tests for Lipid Panel (cholesterol), Triglycerides, CA15-3 (breast cancer), CA125 (ovarian cancer), CEA (colon cancer); Chest X-ray; Colonoscopy; Flexible Sigmoidoscopy; Hemoccult stool analysis; Mammography, including Breast Ultrasound; Pap Smear (ThinPrep Pap Test included); PSA (blood test for prostate cancer); Serum Protein Electrophoresis (test for myeloma); Biopsy for skin cancer; Stress test on bike or treadmill; Electrocardiogram (EKG); Carotid Doppler; Echocardiogram. Benefit Specifications Group Voluntary Critical Illness (GVCIP2) Conditions, Limitations and Exclusions Affecting Your Benefits Conditions and Limits - Benefits are not payable for any critical illness diagnosed prior to the effective date. Benefits are also subject to the Pre-Existing Condition Limitation, if applicable, as well as all other limitations and exclusions. All critical illnesses must meet the definitions and dates of diagnoses stated in the policy and be diagnosed by a physician while coverage is in effect. The date of diagnosis for each illness must be separated by 30 days. Emergency situations while you are outside the U.S. will be considered when you return to the U.S. Your Eligibility - Issue ages are 18 and over. Dependent Eligibility/Termination - (a) Coverage may include you, your spouse or domestic partner and children under age 26; (b) coverage for children ends when the child reaches age 26, unless he or she continues to meet the requirements of an eligible dependent; (c) spouse coverage ends upon divorce or your death. Domestic partner coverage ends upon the end of the domestic partnership or your death. When Coverage Ends - Coverage under the policy ends on the earliest of: the policy is canceled; you stop paying your premium; the last day of active employment; you are no longer eligible; a false claim is filed; when all critical illness benefits have been paid. Continuing Your Coverage - You may be able to continue coverage when coverage under the policy ends. Refer to your Certificate of Insurance for details. Recurrence of Cancer - Cancer critical illness benefits are payable for a diagnosis of a recurrence of cancer as long as you are diagnosed after the effective date of coverage and have been free of any symptoms and treatment of cancer for 12 consecutive months immediately preceding the effective date of coverage, or any 12 consecutive months thereafter. Policy Exclusions and Limitations - We do not pay benefits for: (a) war, participation in a riot, insurrection or rebellion; (b) intentionally self-inflicted injury or action; (c) illegal activities or occupations; (d) suicide while sane, or self-destruction while insane, or any attempt at either; ((e) substance abuse, including alcohol, alcoholism, drug addiction, or dependence upon any controlled substance. 9

10 Benefit Specifications (continued) Group Voluntary Disability Insurance (GVDI) Conditions, Limitations and Exclusions Affecting Your Benefits Benefits Specifications Total Disability - Monthly benefit starts after the elimination period has been met. Benefits will not continue beyond the maximum benefit period. Partial Disability - Pays 50% of the monthly benefit after at least one month of total disability. Payments continue while partially disabled for up to 3 months, but not beyond the maximum benefit period. Pregnancy - Pays a benefit for a pregnancy if total disability first begins after the certificate has been in force for at least 9 months. Organ Donor - Pays a benefit when disabled from donating an organ. Waiver of Premium - Pays the premium after monthly disability benefits are payable for 30 days in a row, for as long as monthly benefits are payable. Concurrent Disability - Being disabled from more than one cause does not extend the payment of benefits under the maximum benefit period. Recurrent Disability - Pays a benefit when disabled from the same or related cause within 6 months without a new waiting period or maximum benefit period. When Coverage Ends - Coverage ends when the policy is canceled; premium payments stop; the last day of active employment, unless coverage is continued through Temporary Layoff, Leave of Absence or Family and Medical Leave of Absence; you or your class is no longer eligible; or fraud or material misrepresentation is discovered. Pre-Existing Condition Limitation We do not pay benefits for disability that starts within 12 months of your effective date from a pre-existing condition. You have a pre-existing condition if: (a) Your disability began during the 12 months after the effective date; and (b) you received medical treatment, consultation, care or services, diagnostic measures, took medications or followed treatment recommendations in the 12 months prior to the effective date of coverage, or the date an increase in benefits was effective; or (c) symptoms existed in the 12 months prior to the effective date or the date an increase in benefits was effective. Certificate and Rider Exclusions and Limitations (a) Benefits are not paid for: (1) war, participation in a riot, insurrection or rebellion; (2) illegal activities or participation in an illegal occupation; (3) intentionally self-inflicted injury or action; (4) (if applicable to your coverage) substance abuse, to include abuse of alcohol, alcoholism, drug addiction or dependence upon any controlled substance; (5) participation in aeronautics except as a fare-paying passenger in a licensed common carrier aircraft; (6) voluntarily inhaling fumes or gases; (7) cosmetic surgery (complications are covered); (8) pre-existing conditions during the first 12 months of coverage; (9) occupational sickness or injury, unless covered by an on-the-job disability rider. (b) We do not pay for disability during incarceration. Definitions Total Disability - When, because of sickness or injury, you are: (1) unable to perform the material and substantial duties of your own occupation; and (2) under the regular care of a doctor; and (3) unable to engage in any occupation. Partial Disability - When, because of sickness or an injury, you are: (1) unable to perform the material and substantial duties of your own occupation on a full-time basis, but are able to work part-time; and (2) under the regular care of a doctor. Elimination (Waiting) Period - A period of continuous total disability which must be satisfied before you are eligible to receive benefits. Own Occupation - The occupation you are performing when a period of disability begins. Group Universal Life (GUL) Conditions Affecting Your Benefits It is possible that coverage will expire when either no premiums are paid following the initial premium or subsequent premiums are insufficient to continue coverage. 10

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12 For use in the Tennessee State Employees Association enrollment sitused in: TN This material is valid as long as information remains current, but in no event later than November 15, Group Critical Illness benefits provided by policy form GVCIP2, or state variations thereof. Group Short-Term Disability benefits are provided by policy form GVDIP, or state variations thereof. Group Universal Life Insurance benefits are provided by policy form GUL22P, or state variations thereof. Group Universal Life insurance rider benefits provided by the following forms or state variations thereof: Accelerated Death Benefit for Long Term Care GULTC, Extension of Benefits for Long Term Care GULTCEXT, Total Disability Premium Waiver GUPW, Total Disability Payor Waiver of Premium GUPWP, and Children s Term GUCTR. Allstate Benefits is the marketing name used by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation Allstate Insurance Company. or allstatebenefits.com Coverage is provided by Limited Benefit Supplemental Critical Illness and Accident Insurance. The Critical Illness policy does not provide benefits for any other sickness or condition. The policies are not Medicare Supplement Policies. If eligible for Medicare, review Medicare Supplement Buyer s Guide available from Allstate Benefits. This information highlights some features of the policies but is not the insurance contract. For complete details, contact your Allstate Benefits Agent. This is a brief overview of the benefits available under the Group Voluntary Policies underwritten by American Heritage Life Insurance Company (Home Office, Jacksonville, FL). Details of the insurance, including exclusions, restrictions and other provisions are included in the certificates issued. The coverage does not constitute comprehensive health insurance coverage (often referred to as major medical coverage ) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.