Common use of Accidental Death and Dismemberment Plan Clause in Contracts

Accidental Death and Dismemberment Plan. MetLife's Accidental Death and Dismemberment (AD&D) coverage pays a benefit for a covered accident that results in a loss of life, speech, hearing and/or sight, paralysis and more Basic Accidental Death and Dismemberment • Plan Design: − Company paid Basic AD&D for Employee − Basic AD&D coverage is $10,000 − No Medical Evidence of Insurability Voluntary Accidental Death and Dismemberment • Plan Design: − Coverage based on annual salary. 1 to 6X coverage levels; maximum of $1 Million − No Medical Evidence of Insurability • Rate: − $.02 Per $1,000 / Month Employee Only − $.03 Per $1,000 / Month Employee, Spouse + Child/Children Employees do not have to select Supplemental Life to participate in Voluntary Accidental Death and Dismemberment Living Benefits: • Travel Assistance & Identity Theft Solutions (Covers all employees with Basic AD&D) − Travel Assistance offers access to valuable services such as: • Medical assistance while traveling • Emergency medical evacuation • Help with lost documents and credit cards • Identity theft guidance and support • Additional key benefit of the Travel Assistance program is that covered persons may use the service while traveling for business or pleasure. Also, dependent spouses and children are covered for these services whether they are traveling with the employee or not. • Identity Theft Solutions (Covers all employees with Basic AD&D) − an additional, value-added benefit packaged with Travel Assistance. Identity Theft Solutions is part of MetLife's continued commitment to meeting your customers' diverse needs − today and as they evolve over time. This new enhancement educates employees and their dependents on preventing an occurrence and provides personal assistance and guidance to help alleviate the stress and time burden that victims often face. • Hospital Confinement Benefit (Covers only employees with Voluntary AD&D) − Pays an additional monthly benefit if a covered person is confined in a Hospital as a result of an accidental injury. If covered person dies: • Air Bag Benefit: (Covers all employees with Basic AD&D) − If an Air Bag is deployed for the covered person during the accident and the covered person dies as a result of the accident while driving or riding in a passenger car and wearing a properly fastened seat belt, beneficiaries will receive an extra 10% of the face value of the coverage. • Seat Belt Benefit (Covers all employees with Basic AD&D) − Beneficiaries will receive an extra 10% of the face value of the coverage if a covered person dies from injuries sustained in an accident while driving or riding as a passenger in a Passenger Car, provided the person was wearing a properly fastened Seat Belt at the time of the accident. • Common Carrier Benefit (Covers only employees with Voluntary AD&D) − Pays an additional benefit if a covered person dies as a result of an accidental injury while traveling in a Common Carrier. If a person dies in an accident on a common carrier, they would receive an additional 100% of the face amount of their AD&D insurance (200% total) • Child Care Benefit (Covers only employees with Voluntary AD&D) − Provides an additional amount to attend a licensed Child Care Center for up to 4 consecutive years. For children under 12 years of age, whose covered parent dies in an accident covered by this policy, they would receive childcare benefits for a maximum of 4 years. There is a cap of $5000/year and payments cannot exceed (in total) 12% of the face value of the AD&D insurance. • Child Education Benefit (Covers only employees with Voluntary AD&D) − Provides an additional benefit equal to the tuition charges for each eligible dependent child to attend college or another accredited institution for up to 4 consecutive years. There is a cap of $10,000/year and payments cannot exceed (in total) 20% of the face value of the AD&D insurance. • Spouse Education (Covers only employees with Voluntary AD&D) Provides an additional amount equal to the tuition charges for 1 academic year up to $5,000 per year and payment cannot exceed 3% of the face value of the AD&D insurance. Basic and Voluntary Accidental Death and Dismemberment Benefits Covered Loss Benefits Amount Life Full Amount Seat Belt Benefit for Loss of Life Full Amount and 10% of Full Amount Air Bag Benefit for Loss of Life Full Amount and 10% of Full Amount Seat Belt and Air Bag Benefit for Loss of Life Full Amount and 20% of Full Amount A hand 50% of Full Amount A foot 50% of Full Amount An Arm 75% of Full Amount A Leg 75% of Full Amount Sight of an eye 50% of Full Amount Any combination of a hand, a foot, and or sight of an eye 100% of Full Amount Thumb and Index finger on same hand 25% of Full Amount Speech and hearing in both ears 100% of Full Amount Speech 50% of Full Amount Hearing in both Ears 50% of Full Amount Paralysis of both arms and legs (Quadriplegia) 100% of Full Amount Paralysis of both legs (Paraplegia) 50% of Full Amount Paralysis of one arm and one leg on the same side of the body (Hemiplegia) 50% of Full Amount Paralysis of one arm or leg 25% of Full Amount

Accidental Death and Dismemberment Plan. MetLife's Accidental Death and Dismemberment (AD&D) coverage pays a benefit for a covered accident that results in a loss of life, speech, hearing and/or sight, paralysis and more Basic Accidental Death and Dismemberment • Plan Design: − Company paid Basic AD&D for Employee − Basic AD&D coverage is $10,000 − No Medical Evidence of Insurability Voluntary Accidental Death and Dismemberment • Plan Design: − Coverage based on annual salary. 1 to 6X coverage levels; maximum of $1 Million − No Medical Evidence of Insurability • Rate: − $.02 Per $1,000 / Month Employee Only − $.03 Per $1,000 / Month Employee, Spouse + Child/Children Employees do not have to select Supplemental Life to participate in Voluntary Accidental Death and Dismemberment Living Benefits: • Travel Assistance & Identity Theft Solutions (Covers all employees with Basic AD&D) − Travel Assistance offers access to valuable services such as: • Medical assistance while traveling • Emergency medical evacuation • Help with lost documents and credit cards • Identity theft guidance and support • Additional key benefit of the Travel Assistance program is that covered persons may use the service while traveling for business or pleasure. Also, dependent spouses and children are covered for these services whether they are traveling with the employee or not. • Identity Theft Solutions (Covers all employees with Basic AD&D) − an additional, value-added benefit packaged with Travel Assistance. Identity Theft Solutions is part of MetLife's continued commitment to meeting your customers' diverse needs − today and as they evolve over time. This new enhancement educates employees and their dependents on preventing an occurrence and provides personal assistance and guidance to help alleviate the stress and time burden that victims often face. • Hospital Confinement Benefit (Covers only employees with Voluntary AD&D) − Pays an additional monthly benefit if a covered person is confined in a Hospital as a result of an accidental injury. If covered person dies: • Air Bag Benefit: (Covers all employees with Basic AD&D) − If an Air Bag is deployed for the covered person during the accident and the covered person dies as a result of the accident while driving or riding in a passenger car and wearing a properly fastened seat belt, beneficiaries will receive an extra 10% of the face value of the coverage. • Seat Belt Benefit (Covers all employees with Basic AD&D) − Beneficiaries will receive an extra 10% of the face value of the coverage if a covered person dies from injuries sustained in an accident while driving or riding as a passenger in a Passenger Car, provided the person was wearing a properly fastened Seat Belt at the time of the accident. • Common Carrier Benefit (Covers only employees with Voluntary AD&D) − Pays an additional benefit if a covered person dies as a result of an accidental injury while traveling in a Common Carrier. If a person dies in an accident on a common carrier, they would receive an additional 100% of the face amount of their AD&D insurance (200% total) • Child Care Benefit (Covers only employees with Voluntary AD&D) − Provides an additional amount to attend a licensed Child Care Center for up to 4 consecutive years. For children under 12 years of age, whose covered parent dies in an accident covered by this policy, they would receive childcare benefits for a maximum of 4 years. There is a cap of $5000/year and payments cannot exceed (in total) 12% of the face value of the AD&D insurance. • Child Education Benefit (Covers only employees with Voluntary AD&D) − Provides an additional benefit equal to the tuition charges for each eligible dependent child to attend college or another accredited institution for up to 4 consecutive years. There is a cap of $10,000/year and payments cannot exceed (in total) 20% of the face value of the AD&D insurance. • Spouse Education (Covers only employees with Voluntary AD&D) Provides an additional amount equal to the tuition charges for 1 academic year up to $5,000 per year and payment cannot exceed 3% of the face value of the AD&D insurance. Basic and Voluntary Accidental Death and Dismemberment Benefits Covered Loss Benefits Amount Life Full Amount Seat Belt Benefit for Loss of Life Full Amount and 10% of Full Amount Air Bag Benefit for Loss of Life Full Amount and 10% of Full Amount Seat Belt and Air Bag Benefit for Loss of Life Full Amount and 20% of Full Amount A hand 50% of Full Amount A foot 50% of Full Amount An Arm 75% of Full Amount A Leg 75% of Full Amount Sight of an eye 50% of Full Amount Any combination of a hand, a foot, and or sight of an eye 100% of Full Amount Thumb and Index finger on same hand 25% of Full Amount Speech and hearing in both ears 100% of Full Amount Speech 50% of Full Amount Hearing in both Ears 50% of Full Amount Paralysis of both arms and legs (Quadriplegia) 100% of Full Amount Paralysis of both legs (Paraplegia) 50% of Full Amount Paralysis of one arm and one leg on the same side of the body (Hemiplegia) 50% of Full Amount Paralysis of one arm or leg 25% of Full AmountAmount • Included with Supplemental Life at no additional cost • Fully covers the legal fees associated with preparing or updating xxxxx for employees and spouses, when using a participating attorney. • Covers Simple and Complex Xxxxx • Living Xxxxx, Health Directives, Testamentary Trusts and Power of Attorney − Living Will: • Ensures your wishes are carried out, and protects your loved ones from making these very difficult and personal decisions by themselves. • Also called an "advanced directive;" − Document authorized by statutes in all states − Individual is appointed as his/her representative to make decisions on maintaining extraordinary life-support in a circumstance where an individual cannot communicate their wishes − Power of Attorney: • Allows you to plan ahead by designating someone you know and trust to act on your behalf in the event of unexpected occurrences or if you become incapacitated. It is a written document that grants an individual the power to act on the grantor's behalf. • Easy to use initiating a request via 1-800-821-6400 • Over 10,000 participating attorneys in the Hyatt Legal Plans' network. • Out-of-Network option. Below are Administrative changes: Change unit of measure from per/$100 to per/$1,000 of coverage. Changes to coverage: Employee may decrease level of Supplemental insurance at any time.

Accidental Death and Dismemberment Plan. MetLife's Accidental Death and Dismemberment (AD&D) coverage pays a benefit for a covered accident that results in a loss of life, speech, hearing and/or sight, paralysis and more Basic Accidental Death and Dismemberment •  Plan Design: −  Company paid Basic AD&D for Employee −  Basic AD&D coverage is $10,000 −  No Medical Evidence of Insurability Voluntary Accidental Death and Dismemberment •  Plan Design: −  Coverage based on annual salary. 1 to 6X coverage levels; maximum of $1 Million −  No Medical Evidence of Insurability •  Rate: −  $.02 Per $1,000 / Month Employee Only −  $.03 Per $1,000 / Month Employee, Spouse + Child/Children Employees do not have to select Supplemental Life to participate in Voluntary Accidental Death and Dismemberment Living Benefits: •  Travel Assistance & Identity Theft Solutions (Covers all employees with Basic AD&D) −  Travel Assistance offers access to valuable services such as: •  Medical assistance while traveling •  Emergency medical evacuation •  Help with lost documents and credit cards •  Identity theft guidance and support •  Additional key benefit of the Travel Assistance program is that covered persons may use the service while traveling for business or pleasure. Also, dependent spouses and children are covered for these services whether they are traveling with the employee or not. •  Identity Theft Solutions (Covers all employees with Basic AD&D) −  an additional, value-added benefit packaged with Travel Assistance. Identity Theft Solutions is part of MetLife's continued commitment to meeting your customers' diverse needs −  today and as they evolve over time. This new enhancement educates employees and their dependents on preventing an occurrence and provides personal assistance and guidance to help alleviate the stress and time burden that victims often face. •  Hospital Confinement Benefit (Covers only employees with Voluntary AD&D) −  Pays an additional monthly benefit if a covered person is confined in a Hospital as a result of an accidental injury. If covered person dies: •  Air Bag Benefit: (Covers all employees with Basic AD&D) −  If an Air Bag is deployed for the covered person during the accident and the covered person dies as a result of the accident while driving or riding in a passenger car and wearing a properly fastened seat belt, beneficiaries will receive an extra 10% of the face value of the coverage. •  Seat Belt Benefit (Covers all employees with Basic AD&D) −  Beneficiaries will receive an extra 10% of the face value of the coverage if a covered person dies from injuries sustained in an accident while driving or riding as a passenger in a Passenger Car, provided the person was wearing a properly fastened Seat Belt at the time of the accident. •  Common Carrier Benefit (Covers only employees with Voluntary AD&D) −  Pays an additional benefit if a covered person dies as a result of an accidental injury while traveling in a Common Carrier. If a person dies in an accident on a common carrier, they would receive an additional 100% of the face amount of their AD&D insurance (200% total) •  Child Care Benefit (Covers only employees with Voluntary AD&D) −  Provides an additional amount to attend a licensed Child Care Center for up to 4 consecutive years. For children under 12 years of age, whose covered parent dies in an accident covered by this policy, they would receive childcare benefits for a maximum of 4 years. There is a cap of $5000/year and payments cannot exceed (in total) 12% of the face value of the AD&D insurance. •  Child Education Benefit (Covers only employees with Voluntary AD&D) −  Provides an additional benefit equal to the tuition charges for each eligible dependent child to attend college or another accredited institution for up to 4 consecutive years. There is a cap of $10,000/year and payments cannot exceed (in total) 20% of the face value of the AD&D insurance. •  Spouse Education (Covers only employees with Voluntary AD&D) Provides an additional amount equal to the tuition charges for 1 academic year up to $5,000 per year and payment cannot exceed 3% of the face value of the AD&D insurance. Basic and Voluntary Accidental Death and Dismemberment Benefits Covered Loss Benefits Amount Life Full Amount Seat Belt Benefit for Loss of Life Full Amount and 10% of Full Amount Air Bag Benefit for Loss of Life Full Amount and 10% of Full Amount Seat Belt and Air Bag Benefit for Loss of Life Full Amount and 20% of Full Amount A hand 50% of Full Amount A foot 50% of Full Amount An Arm 75% of Full Amount A Leg 75% of Full Amount Sight of an eye 50% of Full Amount Any combination of a hand, a foot, and or sight of an eye 100% of Full Amount Thumb and Index finger on same hand 25% of Full Amount Speech and hearing in both ears 100% of Full Amount Speech 50% of Full Amount Hearing in both Ears 50% of Full Amount Paralysis of both arms and legs (Quadriplegia) 100% of Full Amount Paralysis of both legs (Paraplegia) 50% of Full Amount Paralysis of one arm and one leg on the same side of the body (Hemiplegia) 50% of Full Amount Paralysis of one arm or leg 25% of Full AmountAmount  Included with Supplemental Life at no additional cost  Fully covers the legal fees associated with preparing or updating xxxxx for employees and spouses, when using a participating attorney.  Covers Simple and Complex Xxxxx  Living Xxxxx, Health Directives, Testamentary Trusts and Power of Attorney  Living Will:  Ensures your wishes are carried out, and protects your loved ones from making these very difficult and personal decisions by themselves.  Also called an "advanced directive;"  Document authorized by statutes in all states  Individual is appointed as his/her representative to make decisions on maintaining extraordinary life-support in a circumstance where an individual cannot communicate their wishes  Power of Attorney:  Allows you to plan ahead by designating someone you know and trust to act on your behalf in the event of unexpected occurrences or if you become incapacitated. It is a written document that grants an individual the power to act on the grantor's behalf.  Easy to use initiating a request via 1-800-821-6400  Over 10,000 participating attorneys in the Hyatt Legal Plans' network.  Out-of-Network option. Below are Administrative changes: Change unit of measure from per/$100 to per/$1,000 of coverage. Changes to coverage: Employee may decrease level of Supplemental insurance at any time.

Accidental Death and Dismemberment Plan. MetLife's Accidental Death and Dismemberment (AD&D) coverage pays a benefit for a covered accident that results in a loss of life, speech, hearing and/or sight, paralysis and more Basic Accidental Death and Dismemberment •  Plan Design: −  Company paid Basic AD&D for Employee −  Basic AD&D coverage is $10,000 −  No Medical Evidence of Insurability Voluntary Accidental Death and Dismemberment •  Plan Design: −  Coverage based on annual salary. 1 to 6X coverage levels; maximum of $1 Million −  No Medical Evidence of Insurability •  Rate: −  $.02 Per $1,000 / Month Employee Only −  $.03 Per $1,000 / Month Employee, Spouse + Child/Children Employees do not have to select Supplemental Life to participate in Voluntary Accidental Death and Dismemberment Living Benefits: •  Travel Assistance & Identity Theft Solutions (Covers all employees with Basic AD&D) −  Travel Assistance offers access to valuable services such as: •  Medical assistance while traveling •  Emergency medical evacuation •  Help with lost documents and credit cards •  Identity theft guidance and support •  Additional key benefit of the Travel Assistance program is that covered persons may use the service while traveling for business or pleasure. Also, dependent spouses and children are covered for these services whether they are traveling with the employee or not. •  Identity Theft Solutions (Covers all employees with Basic AD&D) −  an additional, value-added benefit packaged with Travel Assistance. Identity Theft Solutions is part of MetLife's continued commitment to meeting your customers' diverse needs −  today and as they evolve over time. This new enhancement educates employees and their dependents on preventing an occurrence and provides personal assistance and guidance to help alleviate the stress and time burden that victims often face. •  Hospital Confinement Benefit (Covers only employees with Voluntary AD&D) −  Pays an additional monthly benefit if a covered person is confined in a Hospital as a result of an accidental injury. If covered person dies: •  Air Bag Benefit: (Covers all employees with Basic AD&D) −  If an Air Bag is deployed for the covered person during the accident and the covered person dies as a result of the accident while driving or riding in a passenger car and wearing a properly fastened seat belt, beneficiaries will receive an extra 10% of the face value of the coverage. •  Seat Belt Benefit (Covers all employees with Basic AD&D) −  Beneficiaries will receive an extra 10% of the face value of the coverage if a covered person dies from injuries sustained in an accident while driving or riding as a passenger in a Passenger Car, provided the person was wearing a properly fastened Seat Belt at the time of the accident. •  Common Carrier Benefit (Covers only employees with Voluntary AD&D) −  Pays an additional benefit if a covered person dies as a result of an accidental injury while traveling in a Common Carrier. If a person dies in an accident on a common carrier, they would receive an additional 100% of the face amount of their AD&D insurance (200% total) •  Child Care Benefit (Covers only employees with Voluntary AD&D) −  Provides an additional amount to attend a licensed Child Care Center for up to 4 consecutive years. For children under 12 years of age, whose covered parent dies in an accident covered by this policy, they would receive childcare benefits for a maximum of 4 years. There is a cap of $5000/year and payments cannot exceed (in total) 12% of the face value of the AD&D insurance. •  Child Education Benefit (Covers only employees with Voluntary AD&D) −  Provides an additional benefit equal to the tuition charges for each eligible dependent child to attend college or another accredited institution for up to 4 consecutive years. There is a cap of $10,000/year and payments cannot exceed (in total) 20% of the face value of the AD&D insurance. •  Spouse Education (Covers only employees with Voluntary AD&D) Provides an additional amount equal to the tuition charges for 1 academic year up to $5,000 per year and payment cannot exceed 3% of the face value of the AD&D insurance. Basic and Voluntary Accidental Death and Dismemberment Benefits Covered Loss Benefits Amount Life Full Amount Seat Belt Benefit for Loss of Life Full Amount and 10% of Full Amount Air Bag Benefit for Loss of Life Full Amount and 10% of Full Amount Seat Belt and Air Bag Benefit for Loss of Life Full Amount and 20% of Full Amount A hand 50% of Full Amount A foot 50% of Full Amount An Arm 75% of Full Amount A Leg 75% of Full Amount Sight of an eye 50% of Full Amount Any combination of a hand, a foot, and or sight of an eye 100% of Full Amount Thumb and Index finger on same hand 25% of Full Amount Speech and hearing in both ears 100% of Full Amount Speech 50% of Full Amount Hearing in both Ears 50% of Full Amount Paralysis of both arms and legs (Quadriplegia) 100% of Full Amount Paralysis of both legs (Paraplegia) 50% of Full Amount Paralysis of one arm and one leg on the same side of the body (Hemiplegia) 50% of Full Amount Paralysis of one arm or leg 25% of Full Amount