Benefit Guide - People

ANCILLARY BENEFITS Life, AD&D and Vol Life, AD&D

Hunters Strategies also provides eligible employees with ancillary benefits at no cost to you! Read the details below to find out more.

BASIC LIFE INSURANCE Basic Life Insurance coverage provides important financial protection in the event of your death. Hunters Strategies provides eligible employees with coverage at no cost to you. All employees working a minimum of 35 hours per week are eligible and the benefit is equal to one year ’ s salary, to a maximum benefit of $100,000. ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE (AD&D) AD&D Insurance coverage provides protection in the event of accidental death, loss of hands, feet and/or vision. Hunters Strategies provides eligible employees with coverage at no cost to you. All employees working a minimum of 35 hours per week are eligible.

BASIC LIFE AND AD&D PLAN BENEFITS

Minimum Hours Per Week

30 hours

Life AD&D Benefit

$50,000

Maximum Benefit

$50,000

Benefit Age Reduction To age 65 At age 70 At age 75 At age 80

35% 60% 75% 85%

VOLUNTARY LIFE AND AD&D FOR EMPLOYEE AND DEPENDENTS You have the option to supplement your employer paid Basic Life and AD&D Insurance through Guardian, with Voluntary Life Insurance. You pay the cost of

the coverage and receive the benefit of a group rate. You may also elect coverage for your spouse and dependent children. Note: If you wish to enroll for the Voluntary AD&D coverage, you must also enroll for the Voluntary Life coverage.

BENEFIT

EMPLOYEE

SPOUSE**

CHILDREN

Benefit Amount

Increments of $10,000

Increments of $5,000

$10,000

Minimum Benefit Amount

$10,000

$5,000

$10,000

Maximum Benefit Amount

$250,000

$250,000

$10,000

Guaranteed Coverage Amount*

Under 69 -$50,000; 70+ $10,000

Under 65 - $25,000; 65-69 $10,000

$10,000

*Guaranteed coverage means the maximum amount of coverage available without Evidence of Insurability. **Spouse coverage terminates at age 70

VOLUNTARY LIFE INSURANCE MONTHLY RATES THIS IS AN OPTIONAL BENEFIT. EMPLOYEES PAY 100% OF THE COST

Employee Rates

Spouse Rates*

Child(ren) Rate

RATE PER $1,000 OF BENEFIT

RATE PER $1,000 OF BENEFIT

RATE PER $1,000 OF BENEFIT

RATE PER $1,000 OF BENEFIT

PER CHILD UNIT

AGE

AGE

AGE

AGE

AGE

Birth to age 19 (26 if full-time student)

Under 25

$0.071

50-54

$0.370

Under 25

$0.071

50-54

$0.370

$0.140

25-29

$0.071

55-59

$0.591

25-29

$0.071

55-59

$0.591

Voluntary AD&D Rates

EMPLOYEE PER $1,000

SPOUSE PER $1,000

30-34

$0.076

60-64

$0.875

30-34

$0.076

60-64

$0.875

35-39

$0.097

65-69

$1.565

35-39

$0.097

65-69

$1.565

$0.030

$0.030

PER CHILD UNIT

40-44

$0.144

70-74

$3.088

40-44

$0.144

70-74

$3.088

45-49

$0.228

75+

$3.088

45-49

$0.228

75+

$3.088

$0.030

*Spouse Premium is based on employee’s age.

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

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