E M P L O Y E R PA I D B E N E F I T S L O N G - T E R M D I S A B I L I T Y This plan provides eligible employees with a Long-Term Disability benefit through Guardian at no cost to you. Long-Term Disability benefits are provided as a source of income, in the event that you become disabled from a non-work-related injury or illness. Benefits begin on the 91st day of disability. Benefit Maximum: 60% of Salary up to $15,000 per month. Guaranteed Issue: Up to $10,000 per month. B A S I C L I F E & A D & D 1 2 The plan provides eligible employees with a Basic Life and Accidental Death & Dismemberment benefit through Guardian at no cost to you. Your employer provides Term Life coverage for all full- time administrative employees. Employee Benefit: $25,000 The Guarantee Issue is the dollar amount that will be issued without submitting proof of insurability, such as answering medical questions on an application or completing a medical exam.