1. The following Supplemental benefits are offered to through Colonial Life… o Hospital Confinement o Accident o Cancer o Critical Illness Important! Complete Interest Survey and return after group meeting

2. Key Features… Benefits paid directly to you – not your hospital; not your doctor. Benefits paid to help offset out-of-pocket expenses such as deductibles and co-insurance. Annual incentives paid for cancer screening and wellness checks for early detection. Plans are portable at the same rate. Benefits are paid regardless of any other benefits you may have with other insurance companies. Benefits help to pay for everyday living expenses.

3. Hospital Confinement Pays a lump sum benefit directly to you to help bridge gaps not covered by your health insurance such as deductibles and co-insurance. Includes Wellness Benefit: $50 paid once per calendar year fro employee only; two for family coverage Select from $1000 or $2000 Hospital Confinement Benefit Benefit pays once for each period of confinement (see policy for details) Includes Rehabilitation Unit Benefit - $100 per day up to 15 days Plan 1

4. Accident Pays lump sum benefits directly to you to help offset unexpected medical expenses due to an on or off job accident. Optional Spouse Disability up to $1,500/month. Includes Wellness Benefit: $50 paid per person / per calendar year $200 Mammogram benefit Emergency Treatment - $125 X-ray Benefit - $30 Ambulance/Air Ambulance - $200 / $2,00 Dislocations/Fractures up to $4,400 Surgical Benefits up to $1,500 Transportation/Lodging Hospital/ICU Admission - $1,000 / $2,000 Daily Hospital/ICU Confinement - $225 / $450 Follow-Up Care Accidental Dismemberment Catastrophic Accident - $25,000 Accidental Death - $15,000 Preferred Level w/Health Screening

5. Cancer Pays lump sum benefits directly to you for treatment of cancer. Helps to offset out-of-pocket expenses for direct medical and indirect non-medical costs associated with cancer. Optional Initial Diagnosis up to $5,000. Includes Cancer Screening/Wellness Benefit: $100 paid per person / per calendar year (level 3) $100 follow-up screening benefit if first is abnormal (level 3) $70 Pap Smear $100 Mammogram Radiation, Chemotherapy Hospital Confinement Benefits Blood, Plasma and Platelets Benefit Medical Imaging Benefit Experimental Treatments Surgical Procedures Benefits Transportation/Lodging Benefits Extended Care Benefits Bone Marrow, Stem Cell Transplant Benefit Level 3

6. Critical Illness Compliments your major medical by providing catastrophic care. This plan pays a lump sum benefit paid for initial and subsequent diagnosis of a critical illness. Employee face amount: $5,000 - $75,000 Spouse face amount: $5,000 - $40,000 Children: 25% of insured face amount Includes Wellness Benefit: $50 paid per person / per calendar year $70 Pap Smear $200 Mammogram Provides benefits for… Heart Attack Stroke Major Organ Failure Kidney Failure Permanent Paralysis Coma Blindness Coronary Artery Bypass