Short-Term Disability Plan

Assurant automatically enrolls you and pays for Short-Term Disability Plan coverage. The Plan provides income in the event you cannot work due to illness, injury or pregnancy. Benefits begin after you have been disabled for seven consecutive calendar days and is payable for the duration approved by Reed Group, the short-term disability administrator, up to a maximum of 25 weeks.

Service with Assurant	Percentage of Your Base Pay Replaced1
Less than 91 days	0%
More than 91 days but less than one year	50% for weeks 2-26
One year and more	75% for weeks 2-13
	60% for weeks 14-26

^1. Refer to the Assurant Health and Welfare Benefit Plan Summary Plan Description (SPD) for the definition of Base Pay and other Plan details.

Requesting a Leave of Absence

You can request a leave through MyHR, from the link on Connect home page.

If your leave is a result of your own medical condition and will be longer than seven consecutive calendar days, you must also contact the Reed Group at 866.829.8859. Contact the Reed Group as soon as possible but no later than 14 days from the first day of your disability. If you do not call within 14 days from the start of your first day of your disability, your benefit, if approved, would not commence until the date you make the initial notification to Reed, and your benefit may be reduced as a result.

The Reed Group will contact you directly with an approval or denial of your claim.

Your Short-Term Disability premium is fully paid by Assurant. However, the premium is added to your taxable earnings for tax purposes only. This means that, because you are taxed on the premium for this coverage, any future benefits you may receive are exempt from income taxes to the extent allowed by law.

Note: If you are enrolled in the Assurant Health Plan, Anthem Blue Care Consultant services provides a team of registered nurses and specialized clinicians to guide you through health programs that may offer additional support for your medical condition.

Long-Term Disability Plan

Assurant automatically enrolls you and pays for your Long-Term Disability Plan coverage. Benefits under this plan can begin after you are continuously disabled for six months and may continue as long as you are disabled under the terms of the Plan. Benefits cover 60 percent of your annual Plan Pay at the time of disability until you recover or, if earlier, you reach your normal retirement age (as defined by the Social Security Administration). Special rules apply if your disability begins at or after age 60 or if your disability is due to a mental or nervous condition, or substance abuse.

Your Long-Term Disability coverage is fully paid by Assurant. However, the premium is added to your taxable earnings for tax purposes only. This means that, because you are taxed on the premium for this coverage, any future benefits you may receive are exempt from income taxes to the extent allowed by law.

Basic Life Insurance

Assurant automatically enrolls you and pays for your Basic Life Insurance coverage in the amount of one times your annual Plan Pay. A benefit is paid to your designated beneficiary upon your death. If your annual Plan Pay is greater than $50,000, you may elect coverage of either one times your Plan Pay or $50,000.

The value of Basic Life Insurance coverage greater than $50,000 is considered taxable income. Contact your financial advisor for additional details.

After your initial enrollment period, if you elect to increase your Basic Life Insurance coverage from $50,000 to one times your annual Plan Pay, you must provide proof of good health (POGH) to be approved before your new election will take effect.

Basic Accidental Death & Dismemberment (AD&D) Insurance

Assurant automatically enrolls you and pays for your Basic AD&D Insurance coverage in the amount of one times your annual Plan Pay. The maximum benefit is $1.5 million. A benefit is paid to you or your designated beneficiary if, as the result of an accident, you become dismembered (benefit is equal to all or a portion of the coverage amount) or die (benefit is equal to the full coverage amount).

Supplemental Life Insurance

In addition to your Basic Life and Basic AD&D Insurance, the following supplemental coverage options are available.

Plan	Coverage Options	Coverage Levels
Supplemental Life Insurance	The maximum life insurance coverage amount that you can elect (under Basic and Supplemental Life Insurance Plans combined) is $3 million. Premiums are age-related and based on tobacco use/non-use. You must provide proof of good health (POGH) when: • You increase coverage at any time • The combination of Basic and Supplemental Life coverage exceeds $1.5 million Your POGH form must be approved before your new election will take effect.	One to five times your annual Plan Pay
Dependent Life Insurance	Dependent Life Insurance is limited to 50 percent of your Life Insurance coverage (under Basic and Supplemental Life Insurance Plans combined). If you and your spouse/domestic partner both work for Assurant: • You cannot be covered for Life Insurance as both an employee and as a dependent, and • Only one of you may cover any eligible children under the Dependent Life Insurance If you enroll your children, all of your eligible children are covered for the same premium. You must provide proof of good health (POGH) when you: • Request spouse/domestic partner coverage $75,000 or more • Request Child Life Insurance more than 30 days after your child is initially eligible • Increase the amount of coverage for either your spouse/domestic partner or children Your POGH form must be approved before your new election will take effect.	Spouse/Domestic Partner: $10,000, $25,000, $50,000, $75,000, $100,000 Child(ren): $5,000, $12,500, $25,000
Supplemental AD&D Insurance	The maximum AD&D coverage that you can elect (under Basic and Supplemental Life Insurance combined) is $1.5 million. The amount of your Supplemental AD&D benefit payable depends on the nature and extent of the loss as outlined in the Assurant Health and Welfare Benefit Plan Summary Plan Description (SPD).	One to five times your annual Plan Pay