Index

About Life Insurance

Eligibility and Enrollment

Basic Life Coverage

Group Universal Life Insurance

Voluntary Accidental Death and Dismemberment Insurance

Choosing a Beneficiary

Retiree Coverage

Administrative and ERISA Information

Key Terms

Basic Accidental Death and Dismemberment Insurance

Q. What happens if I die or am injured in an accident?

A. The company provides insurance for accidental death and certain accident-related injuries. The benefit amount depends on a number of factors, including whether the accident is work-related. Employees may also purchase additional coverage through Voluntary Accidental Death and Dismemberment Insurance (see page 17).

If you die in an accident, your beneficiary receives two times your annualized monthly benefit pay. As an employee, if you have a pay change your coverage is based on your annualized monthly benefit pay beginning the first full month after the change, rather than effective with the pay change. You receive benefits for certain physical losses which occur within one year of the accident.

Example:

• For the loss of two or more limbs or for the loss of eyesight in both eyes, the Plan pays two times your pay.
• For the loss of one hand, one foot or the eyesight in one eye, the Plan pays one times your pay.
• For the loss of a thumb or index finger, but not the whole hand, the Plan pays one-quarter of your pay.

The maximum benefit paid for an accident that is not work-related is two times your annualized monthly benefit pay.

Occupational Accidental Death

If you die in a work-related accident which would warrant workers' compensation, your beneficiary receives an additional $500,000.

Restrictions

There are some restrictions applicable to the payment of Basic Accidental Death & Dismemberment (AD&D) benefits. Benefits will not be paid if the death or injury results from:

• Use of intoxicants;
• Illegal use of stimulants, drugs or narcotics;
• Your unlawful act;
• Your willful intent to injure yourself or another except in self-defense;
• Employment with another company or self-employment;
• Your lack of due care for the safety of yourself or your fellow workers;
• Your lack of compliance with safety regulations established by your employer; or
• War or any act of war.

No benefit is payable if death or injury results from:

• Full-time active duty in the armed forces; or
• Suicide or attempted suicide.

Claiming Benefits

You or your beneficiary must notify Benefits Administration within 90 days from the date of loss in order to claim benefits. When notified, Benefits Administration will ask for the following information:

• Name and Social Security number of participant;
• The date of death or accidental injury;
• The caller's name, address, telephone number and relationship to participant; and
• Participant's spouse's name, address, Social Security number and birth date, if applicable.

Benefits Administration will send a package of information and forms for completion. Once the forms are completed and returned to Benefits Administration, they are sent to LINA for payment.

Under normal circumstances, LINA sends written notice of its decision on the claim within 90 days after receiving the completed forms. Sometimes, more time is needed due to special circumstances. If this is the case, the determination period can be extended for up to an additional 90 days. You or your beneficiary must be notified of the reason for the delay before the original 90-day period expires. You or your beneficiary also must be given a date as to when the claims administrator expects to make a decision.

How Benefits Are Paid

Benefits are usually paid in a lump sum to your beneficiary in the event of your death, or to you in the case of a non-fatal accident. Life insurance proceeds are deposited in an interest bearing account with the insurance company and the beneficiary has the right to withdraw the proceeds as needed. In addition, the insurance company offers other settlement options such as an annuity.

When Coverage Ends

All AD&D coverage ends when your employment as a regular employee ends.

Coverage is available for up to 30 days during approved Leaves of Absence.