TUSCULUM COLLEGE. Group Number:

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1 The Guardia Life Isurace Compay of America, New York, NY Group Number: TUSCULUM COLLEGE Here you'll fid iformatio about your followig employee beefit(s). Be sure to review the eclosed - it provides everythig you eed to sig up for your Guardia beefits. PLAN HIGHLIGHTS Disability

2 The Guardia Life Isurace Compay of America, New York, NY Welcome Dear TUSCULUM COLLEGE Employee, We re pleased to tell you that Guardia will be our disability coverage provider. We have chose Guardia because of its competitive rates ad excellet service reputatio. All the iformatio you eed to uderstad ad sig up for the coverage is icluded i this booklet. Coverage is paid through payroll deductio. TUSCULUM COLLEGE

3 TUSCULUM COLLEGE Short-Term Disability Beefit Summary Group Number: About Your Beefits: You probably have isurace for your car or home, but what about the source of icome that pays for it? You rely o your paycheck for so may thigs, but what if you were suddely uable to work due to a accidet or illess? How will you put food o the table, pay your mortgage or heat your home? Disability isurace ca help replace lost icome ad make a difficult time a little easier. Protect your most valuable asset, your paycheck-eroll today! What Your Beefits Cover:. Coverage amout Maximum paymet period: Maximum legth of time you ca receive disability beefits. Accidet beefits begi: Thelegthoftimeyoumustbedisabled before beefits begi. Illess beefits begi: Thelegthoftimeyoumustbedisabled before beefits begi. Evidece of Isurability: A health statemet requirig you to aswer a few medical history questios. Guaratee Issue: The guaratee meas you are ot required to aswer health questios to qualify for coverage up to ad icludig the specified amout, whe applicat sigs up for coverage durig the iitial erollmet period. Miimum work hours/week: Miimum umber of hours you must regularly work each week to be eligible for coverage. Short-Term Disability Choose weekly beefit amout from $50 to $1000. See cost illustratio page for weekly beefit offerigs. 26 weeks Day 8 Day 8 Health Statemet may be required We Guaratee Issue $1000 i coverage Plaholder Determies Pre-existig coditios: Apre-existigcoditioicludesay coditio/symptom for which you, i the specified time period prior to coverage i this pla, cosulted with a physicia, received treatmet, or took prescribed drugs. 3 moths look back; 12 moths after 2 week limitatio Premium waived if disabled: Premium will ot eed to be paid whe you are receivig beefits. Yes UNDERSTANDING YOUR BENEFITS DISABILITY (Some iformatio may vary by state) l Earigs defiitio: Your covered salary excludes bouses ad commissios. Beefit iformatio illustrated withi this material reflects the pla covered by Guardia as of 03/02/2017 TUSCULUM COLLEGE Beefit Summary The Guardia Life Isurace Compay of America, 7 Haover Square, New York, NY

4 Short-Term Disability Pla Mothly Cost Illustratio: To determie the most appropriate level of coverage, you should cosider your curret basic mothly expeses. To help you assess your eeds, you ca also go to Guardia Aytime ad use our Disability Isurace Explorer Tool. Electio Cost Per Age Bracket < $4,333 Miimum Aual Salary $50 Weekly Beefit $3.67 $3.67 $5.05 $3.59 $2.56 $2.53 $2.92 $3.41 $4.04 $8,667 Miimum Aual Salary $100 $7.34 $7.34 $10.09 $7.17 $5.12 $5.06 $5.83 $6.81 $8.07 $13,000 Miimum Aual Salary $150 $11.01 $11.01 $15.14 $10.76 $7.68 $7.59 $8.75 $10.22 $12.11 $17,333 Miimum Aual Salary $200 $14.68 $14.68 $20.18 $14.34 $10.24 $10.12 $11.66 $13.62 $16.14 $21,667 Miimum Aual Salary $250 $18.35 $18.35 $25.23 $17.93 $12.80 $12.65 $14.58 $17.03 $20.18 $26,000 Miimum Aual Salary $300 $22.02 $22.02 $30.27 $21.51 $15.36 $15.18 $17.49 $20.43 $24.21 $30,333 Miimum Aual Salary $350 $25.69 $25.69 $35.32 $25.10 $17.92 $17.71 $20.41 $23.84 $28.25 $34,667 Miimum Aual Salary $400 $29.36 $29.36 $40.36 $28.68 $20.48 $20.24 $23.32 $27.24 $32.28 $39,000 Miimum Aual Salary $450 $33.03 $33.03 $45.41 $32.27 $23.04 $22.77 $26.24 $30.65 $36.32 $43,333 Miimum Aual Salary $500 $36.70 $36.70 $50.45 $35.85 $25.60 $25.30 $29.15 $34.05 $40.35 $47,667 Miimum Aual Salary $550 $40.37 $40.37 $55.50 $39.44 $28.16 $27.83 $32.07 $37.46 $44.39 $52,000 Miimum Aual Salary $600 $44.04 $44.04 $60.54 $43.02 $30.72 $30.36 $34.98 $40.86 $48.42 $56,333 Miimum Aual Salary $650 $47.71 $47.71 $65.59 $46.61 $33.28 $32.89 $37.90 $44.27 $52.46 $60,667 Miimum Aual Salary $700 $51.38 $51.38 $70.63 $50.19 $35.84 $35.42 $40.81 $47.67 $56.49 $65,000 Miimum Aual Salary $750 $55.05 $55.05 $75.68 $53.78 $38.40 $37.95 $43.73 $51.08 $60.53 $69,333 Miimum Aual Salary $800 $58.72 $58.72 $80.72 $57.36 $40.96 $40.48 $46.64 $54.48 $64.56 $73,667 Miimum Aual Salary $850 $62.39 $62.39 $85.77 $60.95 $43.52 $43.01 $49.56 $57.89 $68.60 $78,000 Miimum Aual Salary $900 $66.06 $66.06 $90.81 $64.53 $46.08 $45.54 $52.47 $61.29 $72.63 $82,333 Miimum Aual Salary $950 $69.73 $69.73 $95.86 $68.12 $48.64 $48.07 $55.39 $64.70 $76.67 $86,667 Miimum Aual Salary $1,000 $73.40 $73.40 $ $71.70 $51.20 $50.60 $58.30 $68.10 $80.70 *This beefit may ot exceed 60% of your weekly salary. TUSCULUM COLLEGE Beefit Summary The Guardia Life Isurace Compay of America, 7 Haover Square, New York, NY

5 Maage Your Beefits: Go to to access secure iformatio about your Guardia beefits. Your o-lie accout will be set up withi 30 days after your pla effective date. A SUMMARY OF DISABILITY PLAN LIMITATIONS AND EXCLUSIONS Evidece of Isurability is required o all late erollees. This coverage will ot be effective util approved by a Guardia uderwriter. This proposal is hedged subject to satisfactory fiacial evaluatio. Please refer to certificate of coverage for full pla descriptio. Youmustbeworkigfull-timeotheeffectivedateofyourcoverage; otherwise, your coverage becomes effective after you have completed a specific waitig period. Employees must be legally workig i the Uited States i order to be eligible for coverage. Uderwritig must approve coverage for employees o temporary assigmet: (a) exceedig oe year; or (b) i a area uder travel warig by the US Departmet of State. Subject to state specific variatios. For Short-Term Disability coverage, beefits for a disability caused or cotributed to by a pre-existig coditio are limited, uless the disability starts after you have bee isured uder this pla for a specified period of time. We do ot pay short term disability beefits for ay job-related or o-the-job ijury, or coditios for which Workers' Compesatio beefits are payable. We do ot pay beefits for charges relatig to a covered perso: takig part i ay war or act of war (icludig service i the armed forces) committig a feloy or takig part i ay riot or other civil disorder or itetioally ijurig themselves or attemptig suicide while sae or isae. We do ot pay beefits for charges relatig to legal itoxicatio, icludig but ot limited to the operatio of a motor vehicle, ad for the volutary use of ay poiso, chemical, prescriptio or o-prescriptio drug or cotrolled substace uless it has bee prescribed by a doctor ad is used as prescribed. We limit the duratio of paymets for log term disabilities caused by metal or emotioal coditios, or alcohol or drug abuse. We do ot pay beefits durig ay period i which a covered perso is cofied to a correctioal facility, a employee is ot uder the care of a doctor, a employee is receivig treatmet outside of the US or Caada, ad the employee s loss of earigs is ot solely due to disability. This policy provides disability icome isurace oly. It does ot provide "basic hospital", "basic medical", or "medical" isurace as defied by the New York State Isurace Departmet. If this pla is trasferred from aother isurace carrier, the time a isured is covered uder that pla will cout toward satisfyig Guardia's pre-existig coditio limitatio period. State variatios may apply. Whe applicable, this coverage will itegrate with NJ TDB, NY DBL, CA SDI, RI TDI, Hawaii TDI ad Puerto Rico DBA. Cotract # GP-1-STD et al. This hadout is for illustrative purposes oly ad is a approximatio. If ay discrepacies betwee this hadout ad your paycheck stub exist, your paycheck stub prevails. TUSCULUM COLLEGE Beefit Summary The Guardia Life Isurace Compay of America, 7 Haover Square, New York, NY