Common use of GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE Clause in Contracts

GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE. 434 The Employer shall pay the cost of maintaining life insurance in an amount equal to the Employee’s base salary, rounded up to the nearest $1,000, and accidental death and dismemberment insurance benefits in an equal amount for a period of one (1) year from an Employee’s first (1st) day of appointment as an Employee. Commencing with the month following completion of one (1) year of coverage as provided above, the Employer shall pay the cost for maintaining life insurance benefits in an amount equal to the Employee’s base salary (rounded up to the nearest $1,000) times two (2), and an accidental death and dismemberment benefit in an equal amount, up to a maximum coverage level of $200,000. 435 When an Employee reaches age sixty-five (65) and continues working, the Employee’s insurance coverage is decreased by thirty-five percent (35%) with no further reduction based on age thereafter. 436 To qualify for the life and accidental death and dismemberment insurance benefits as described above, each Employee must individually enroll and make proper application for such coverage at the Benefits Office within thirty (30) calendar days of the commencement of the Employee’s regular employment with the Employer. Employees who fail to enroll and make proper application as herein provided are specifically and expressly excluded from such benefits plan until such time as they enroll and make proper application with the Benefits Office. Changes in benefit amounts based on changes in base salary occur with the effective date of the change in base salary. Base salary excludes supplemental appointments and any other extra compensation. 437 An Employee’s group life and accidental death and dismemberment insurance benefits shall terminate effective on the date that an Employee is terminated, resigns or retires, or the group life and accidental death plan terminates. However, when an Employee terminates employment with EMU, the Employee is covered for a grace period of thirty-one (31) calendar days. During such thirty-one (31) day period, the Employee may convert the Employee’s group life insurance, without medical examination, to an individual benefits plan. The Employee will pay the full cost of such individual benefits. Plan options and availability shall be determined by the insurer. 438 All other specific terms, conditions, limits of liability and exclusions applicable to said insurance shall be as provided for in the Employer’s policy with its carrier.

GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE. 434 416 The Employer shall pay the cost of maintaining life insurance in an amount equal to the Employee’s base salary, rounded up to the nearest $1,000, and accidental death and dismemberment insurance benefits in an equal amount for a period of one (1) year from an Employee’s first (1st) day of appointment as an Employee. Commencing with the month following completion of one (1) year of coverage as provided above, the Employer shall pay the cost for maintaining life insurance benefits in an amount equal to the Employee’s base salary (rounded up to the nearest $1,000) times two (2), and an accidental death and dismemberment benefit in an equal amount, up to a maximum coverage level of $200,000. 435 417 When an Employee reaches age sixty-five (65) and continues working, the Employee’s insurance coverage is decreased by thirty-five percent (35%) with no further reduction based on age thereafter. 436 418 To qualify for the life and accidental death and dismemberment insurance benefits as described above, each Employee must individually enroll and make proper application for such coverage at the Benefits Office within thirty (30) calendar days of the commencement of the Employee’s regular employment with the Employer. Employees who fail to enroll and make proper application as herein provided are specifically and expressly excluded from such benefits plan until such time as they enroll and make proper application with the Benefits Office. Changes in benefit amounts based on changes in base salary occur with the effective date of the change in base salary. Base salary excludes supplemental appointments and any other extra compensation. 437 419 An Employee’s group life and accidental death and dismemberment insurance benefits shall terminate effective on the date that an Employee is terminated, resigns or retires, or the group life and accidental death plan terminates. However, when an Employee terminates employment with EMU, the Employee is covered for a grace period of thirty-one (31) calendar days. During such thirty-one (31) day period, the Employee may convert the Employee’s group life insurance, without medical examination, to an individual benefits plan. The Employee will pay the full cost of such individual benefits. Plan options and availability shall be determined by the insurer. 438 420 All other specific terms, conditions, limits of liability and exclusions applicable to said insurance shall be as provided for in the Employer’s policy with its carrier.

GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE. 434 1. The Employer University shall pay the cost of maintaining provide and maintain life insurance in an amount equal to the Employeean employee’s base annual salary, rounded up to the nearest one thousand dollars ($1,000, ) and accidental death and dismemberment insurance benefits in an equal amount amount, for each employee regularly assigned to work twenty (20) or more hours per week, for a period of one (1) year from an Employee’s the date of completion of his or her ninety-first (1st91st) calendar day of appointment as an Employeeactual work. Commencing with the month following completion of one (1) year of coverage benefits as provided aboveabove provided, the Employer University shall pay the cost for maintaining life insurance benefits in an amount equal to the Employeeemployee’s base annual salary (rounded up to the nearest one thousand dollars ($1,000) times two (2), and an accidental death and dismemberment benefit insurance in an equal amount, up to a maximum coverage level of $200,000. 435 When an Employee employee reaches age sixty-sixty- five (65) and continues working, the Employee’s his or her insurance coverage is benefits are decreased by thirty-five percent (35%) with no further reduction based on upon age thereafter. 2. 436 The following table illustrates examples of the insurance benefit levels described above: LIFE INSURANCE COVERAGE SALARY LESS THAN 1 YEAR SERVICE & UNDER AGE 65 OVER 1 YEAR SERVICE & UNDER AGE 65 AGE 65 & OVER $14,500 $15,000 $30,000 $19,500 3. To qualify for the life and accidental death and dismemberment insurance benefits as described aboveabove described, each Employee employee must individually enroll and make proper application for such coverage benefits at the Benefits Office within thirty (30) calendar days of the commencement of the Employee’s his/her regular employment with the EmployerUniversity. Employees An employee who fail fails to enroll and make proper application as herein provided are is specifically and expressly excluded from such benefits plan until such time as they enroll and make he/she makes proper application with the Benefits Office. 4. Provided proper application and enrollment is made by an employee the University agrees to pay the cost for maintaining the above described benefits plan subject to the same rules set forth in Article XXVI.D.2 above for the payment of group medical benefit costs. 5. Changes in life insurance benefit amounts based on changes in base basic annual salary occur effective with the effective date of the change in base annual salary. Base annual salary excludes supplemental appointments appointments, overtime, longevity pay and any other extra compensation. 6. 437 An Employee’s Such group life and accidental death and dismemberment insurance benefits plan shall terminate effective on the date that an Employee employee is terminatedlaid off, resigns or retires, or the group life and accidental death and dismemberment insurance benefits plan terminates, or the employee goes on an unpaid leave of absence. However, when an Employee employee terminates his/her employment with EMU, the Employee University he or she is covered for a grace period of thirty-one (31) calendar days. During such thirty-one (31) day period, the Employee employee may convert the Employee’s his/her group life insurance, without medical examination, to an individual benefits plan. The Employee will employee shall pay the full cost of such benefits plan and may select any type of individual plan then customarily being issued by the insured, except term insurance or a plan containing disability benefits. Plan options The cost of such benefits plan will be the same as the employee would ordinarily pay if he/she had independently applied for an individual benefits plan at that time. 7. Employees laid off or on an unpaid leave of absence may request the continuation of their group life and availability shall be determined by accidental death and dismemberment insurance benefits, subject to the insurer. 438 All other specific terms, conditions, limits same rules set forth in Article XXVI.D.2 and 3 for the continuation of liability and exclusions applicable to said insurance shall be as provided for in the Employer’s policy with its carriergroup medical benefits.

GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE. 434 425 The Employer shall pay the cost of maintaining life insurance in an amount equal to the Employee’s base salary, rounded up to the nearest $1,000, and accidental death and dismemberment insurance benefits in an equal amount for a period of one (1) year from an Employee’s first (1st) day of appointment as an Employee. Commencing with the month following completion of one (1) year of coverage as provided above, the Employer shall pay the cost for maintaining life insurance benefits in an amount equal to the Employee’s base salary (rounded up to the nearest $1,000) times two (2), and an accidental death and dismemberment benefit in an equal amount, up to a maximum coverage level of $200,000. 435 426 When an Employee reaches age sixty-five (65) and continues working, the Employee’s insurance coverage is decreased by thirty-five percent (35%) with no further reduction based on age thereafter. 436 427 To qualify for the life and accidental death and dismemberment insurance benefits as described above, each Employee must individually enroll and make proper application for such coverage at the Benefits Office within thirty (30) calendar days of the commencement of the Employee’s regular employment with the Employer. Employees who fail to enroll and make proper application as herein provided are specifically and expressly excluded from such benefits plan until such time as they enroll and make proper application with the Benefits Office. Changes in benefit amounts based on changes in base salary occur with the effective date of the change in base salary. Base salary excludes supplemental appointments and any other extra compensation. 437 428 An Employee’s group life and accidental death and dismemberment insurance benefits shall terminate effective on the date that an Employee is terminated, resigns or retires, or the group life and accidental death plan terminates. However, when an Employee terminates employment with EMU, the Employee is covered for a grace period of thirty-one (31) calendar days. During such thirty-one (31) day period, the Employee may convert the Employee’s group life insurance, without medical examination, to an individual benefits plan. The Employee will pay the full cost of such individual benefits. Plan options and availability shall be determined by the insurer. 438 429 All other specific terms, conditions, limits of liability and exclusions applicable to said insurance shall be as provided for in the Employer’s policy with its carrier.

GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE. 434 1. The Employer University shall pay the cost of maintaining provide and maintain life insurance in an amount equal to the Employeean employee’s base annual salary, rounded up to the nearest $1,000, and accidental death and dismemberment insurance benefits in an equal amount amount, for each employee regularly assigned to work twenty (20) or more hours per week, for a period of one (1) year from an Employeethe date of completion of the employee’s ninety-first (1st91st ) calendar day of appointment as an Employeeactual work. Commencing with the month following Following completion of one (1) year of coverage benefits as provided aboveabove provided, the Employer University shall pay the cost for maintaining life insurance benefits in an amount equal to the Employeeemployee’s base annual salary (rounded up to the nearest $1,000) 1,000 times two (2), ) and an accidental accident death and dismemberment benefit insurance in an equal amount, up to a maximum coverage level of $200,000100,000. 435 When an Employee employee reaches age sixty-five (65) and continues working, the Employee’s their insurance coverage is benefits are decreased by thirty-five percent (35%) with no further reduction based on upon age thereafter. 436 Changes in life insurance benefit amounts based on changes in basic annual salary occur effective with the change in basic annual salary. Basic annual salary changes exclude supplemental appointments, overtime, longevity pay, and any other extra compensation 2. To qualify for the life and accidental death and dismemberment insurance benefits as described aboveabove described, each Employee employee must individually enroll and make proper application for such coverage benefits at the Benefits Total Rewards Office within thirty (30) calendar days of the commencement of the Employee’s their regular employment with the EmployerUniversity. Employees An employee who fail fails to enroll and make proper application as herein provided are is specifically and expressly excluded from such benefits plan until such time as they enroll and make plan. 3. Provided proper application with and enrollment are made by an employee, the Benefits OfficeUniversity agrees to pay the cost for maintaining the above described benefits plan subject to the same rules set forth in section A for the payment of group medical benefit costs. 4. Changes in benefit amounts based on changes in base salary occur with the effective date of the change in base salary. Base salary excludes supplemental appointments and any other extra compensation. 437 An Employee’s Such group life and accidental death and dismemberment insurance benefits plan shall terminate effective on the date day that an Employee employee is terminatedlaid off, resigns or retires, or the group life and accidental death and dismemberment insurance benefits plan terminates, or the employee goes on an unpaid leave of absence. However, when an Employee employee terminates employment with EMU, the Employee is University they are covered for a grace period of thirty-one (31) calendar days. During such thirty-one (31) day period, the Employee employee may convert the Employee’s their group life insurance, without medical examination, to an individual benefits plan. The Employee will employee shall pay the full cost of such benefits plan and may select any type of individual benefits. Plan options and availability shall be determined plan then customarily being issued by the insurer, except term insurance or a plan containing disability benefits. 438 All other specific terms, conditions, limits The cost of liability such benefits plan will be the same as the employee would ordinarily pay if they had independently applied for an individual benefits plan at that time. 5. Employees laid off or on an authorized unpaid leave of absence may request the continuation of their group life and exclusions applicable accidental death and dismemberment insurance benefits subject to said insurance shall be as provided the same rules set forth in paragraph A.9. above for in the Employer’s policy with its carriercontinuation of group medical benefits.

GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE. 434 1. The Employer University shall pay the cost of maintaining provide and maintain life insurance in an amount equal to the Employeean employee’s base annual salary, rounded up to the nearest $1,000, and accidental death and dismemberment insurance benefits in an equal amount amount, for each employee regularly assigned to work twenty (20) or more hours per week, for a period of one (1) year from an Employeethe date of completion of the employee’s first (1st) 91st calendar day of appointment as an Employeeactual work. Commencing with the month following Following completion of one (1) year of coverage benefits as provided aboveabove provided, the Employer University shall pay the cost for maintaining life insurance benefits in an amount equal to the Employeeemployee’s base annual salary (rounded up to the nearest $1,000) 1,000 times two (2), ) and an accidental death and dismemberment benefit insurance in an equal amount, up to a maximum coverage level of $200,000100,000. 435 When an Employee employee reaches age sixty-five (65) and continues working, the Employee’s their insurance coverage is benefits are decreased by thirty-five percent (35%) with no further reduction based on upon age thereafter. 436 Changes in life insurance benefit amounts based on changes in basic annual salary occur effective with the change in basic annual salary. Basic annual salary changes excludes supplemental appointments, overtime, longevity pay, and any other extra compensation 2. To qualify for the life and accidental death and dismemberment insurance benefits as described aboveabove described, each Employee employee must individually enroll and make proper application for such coverage benefits at the Benefits Office within thirty (30) calendar days of the commencement of the Employee’s their regular employment with the EmployerUniversity. Employees An employee who fail fails to enroll and make proper application as herein provided are is specifically and expressly excluded from such benefits plan until such time as they enroll and make plan. 3. Provided proper application with and enrollment are made by an employee, the Benefits OfficeUniversity agrees to pay the cost for maintaining the above described benefits plan subject to the same rules set forth in section A for the payment of group medical benefit costs. 4. Changes in benefit amounts based on changes in base salary occur with the effective date of the change in base salary. Base salary excludes supplemental appointments and any other extra compensation. 437 An Employee’s Such group life and accidental death and dismemberment insurance benefits plan shall terminate effective on the date day that an Employee employee is terminatedlaid off, resigns or retires, or the group life and accidental death and dismemberment insurance benefits plan terminates, or the employee goes on an unpaid leave of absence. However, when an Employee employee terminates employment with EMU, the Employee is University they are covered for a grace period of thirty-one (31) calendar days. During such thirty-one (31) day period, the Employee employee may convert the Employee’s their group life insurance, without medical examination, to an individual benefits plan. The Employee will employee shall pay the full cost of such benefits plan and may select any type of individual benefits. Plan options and availability shall be determined plan then customarily being issued by the insurer, except term insurance or a plan containing disability benefits. 438 All other specific terms, conditions, limits The cost of liability such benefits plan will be the same as the employee would ordinarily pay if they had independently applied for an individual benefits plan at that time. 5. Employees laid off or on an authorized unpaid leave of absence may request the continuation of their group life and exclusions applicable accidental death and dismemberment insurance benefits subject to said insurance shall be as provided the same rules set forth in paragraph A.9. above for in the Employer’s policy with its carriercontinuation of group medical benefits.

GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE. 434 1. The Employer University shall pay the cost of maintaining provide and maintain life insurance in an amount equal to the Employeean employee’s base annual salary, rounded up to the nearest $1,000, and accidental death and dismemberment insurance benefits in an equal amount amount, for each employee regularly assigned to work twenty (20) or more hours per week, for a period of one (1) year from an Employeethe date of completion of the employee’s ninety-first (1st91st ) calendar day of appointment as an Employeeactual work. Commencing with the month following Following completion of one (1) year of coverage benefits as provided aboveabove provided, the Employer University shall pay the cost for maintaining life insurance benefits in an amount equal to the Employeeemployee’s base annual salary (rounded up to the nearest $1,000) 1,000 times two (2), ) and an accidental accident death and dismemberment benefit insurance in an equal amount, up to a maximum coverage level of $200,000100,000. 435 When an Employee employee reaches age sixty-five (65) and continues working, the Employee’s their insurance coverage is benefits are decreased by thirty-five percent (35%) with no further reduction based on upon age thereafter. 436 Changes in life insurance benefit amounts based on changes in basic annual salary occur effective with the change in basic annual salary. Basic annual salary changes excludes supplemental appointments, overtime, longevity pay, and any other extra compensation 2. To qualify for the life and accidental death and dismemberment insurance benefits as described aboveabove described, each Employee employee must individually enroll and make proper application for such coverage benefits at the Benefits Total Rewards Office within thirty (30) calendar days of the commencement of the Employee’s their regular employment with the EmployerUniversity. Employees An employee who fail fails to enroll and make proper application as herein provided are is specifically and expressly excluded from such benefits plan until such time as they enroll and make plan. 3. Provided proper application with and enrollment are made by an employee, the Benefits OfficeUniversity agrees to pay the cost for maintaining the above described benefits plan subject to the same rules set forth in section A for the payment of group medical benefit costs. 4. Changes in benefit amounts based on changes in base salary occur with the effective date of the change in base salary. Base salary excludes supplemental appointments and any other extra compensation. 437 An Employee’s Such group life and accidental death and dismemberment insurance benefits plan shall terminate effective on the date day that an Employee employee is terminatedlaid off, resigns or retires, or the group life and accidental death and dismemberment insurance benefits plan terminates, or the employee goes on an unpaid leave of absence. However, when an Employee employee terminates employment with EMU, the Employee is University they are covered for a grace period of thirty-one (31) calendar days. During such thirty-one (31) day period, the Employee employee may convert the Employee’s their group life insurance, without medical examination, to an individual benefits plan. The Employee will employee shall pay the full cost of such benefits plan and may select any type of individual benefits. Plan options and availability shall be determined plan then customarily being issued by the insurer, except term insurance or a plan containing disability benefits. 438 All other specific terms, conditions, limits The cost of liability such benefits plan will be the same as the employee would ordinarily pay if they had independently applied for an individual benefits plan at that time. 5. Employees laid off or on an authorized unpaid leave of absence may request the continuation of their group life and exclusions applicable accidental death and dismemberment insurance benefits subject to said insurance shall be as provided the same rules set forth in paragraph A.9. above for in the Employer’s policy with its carriercontinuation of group medical benefits.

GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE. 434 (a) The Employer shall pay the cost of maintaining provide and maintain life insurance in an amount equal to an (b) The following table illustrates examples of the Employee’s base salary, rounded up to the nearest $1,000, and accidental death and dismemberment insurance benefits in an equal amount for a period benefit levels described above: Example of one Base Salary Less Than One (1) year from an Employee’s first (1st) day Year of appointment as an Employee. Commencing with the month following completion of one Service Over One (1) year Year of coverage as provided above, the Employer shall pay the cost for maintaining life insurance benefits in an amount equal to the Employee’s base salary Service Age 65 and Over 65 (rounded up to the nearest $1,000c) times two (2), and an accidental death and dismemberment benefit in an equal amount, up to a maximum coverage level of $200,000. 435 When an Employee reaches age sixty-five (65) and continues working, the Employee’s insurance coverage is decreased by thirty-five percent (35%) with no further reduction based on age thereafter. 436 To qualify for the life and accidental death and dismemberment insurance benefits as described aboveabove described, each Employee employee must individually enroll and make proper application for such coverage benefits at the Benefits Office within thirty (30) calendar days of the commencement of the Employee’s his/her regular employment with the EmployerUniversity. Employees An employee who fail fails to enroll and make proper application as herein provided are is specifically and expressly excluded from such benefits plan until such time as they enroll and make plan. (d) Provided proper application with and enrollment is made by an employee the Benefits Office. Employer agrees to pay the cost for maintaining the above described benefits plan subject to the same rules set forth in Section 24.04(i) above for the payment of group medical benefit costs, except the payment of three (3) additional months for employees receiving long-term disability benefits. (e) Changes in life insurance benefit amounts based on changes in base basic annual salary occur effective with the effective date of the change in base basic annual salary. Base Basic annual salary excludes supplemental appointments appointments, overtime, longevity pay and any other extra compensation. 437 An Employee’s group . (f) Such Group Life and Accidental Death and Dismemberment Insurance benefits plan shall terminate on the date that an employee terminates, is laid off, the life and accidental death and dismemberment insurance benefits shall terminate effective on the date that an Employee is terminated, resigns or retiresplan terminates, or the group life and accidental death plan terminatesemployee goes on an unpaid leave of absence. However, when an Employee terminates employment with EMUemployee is terminated, the Employee he/she is covered for a grace period of thirty-one (31) calendar days. During such thirty-one (31) day period, the Employee employee may convert the Employee’s his/her group life insurance, without medical examination, to an individual benefits plan. The Employee will employee shall pay the full cost of such benefits plan and may select any type of individual benefits. Plan options and availability shall be determined plan then customarily being issued by the insurer, except term insurance or a plan containing disability benefits. 438 All other specific terms, conditions, limits The cost of liability such benefits plan will be the same as the employee would ordinarily pay if he or she had independently applied for an individual benefits plan at the time. (g) Employees laid off or on an authorized unpaid leave of absence may request the conversion of their group life and exclusions applicable to said accidental death and dismemberment insurance shall be as provided for in benefits through the Employer’s policy with its carrier.

GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE. 434 1. The Employer University shall pay the cost of maintaining provide and maintain life insurance in an amount equal to the Employeean employee’s base annual salary, rounded up to the nearest one thousand dollars ($1,000, ) and accidental death and dismemberment insurance benefits in an equal amount amount, for each employee regularly assigned to work twenty (20) or more hours per week, for a period of one (1) year from an Employee’s the date of completion of his or her ninety-first (1st91st) calendar day of appointment as an Employeeactual work. Commencing with the month following completion of one (1) year of coverage benefits as provided aboveabove provided, the Employer University shall pay the cost for maintaining life insurance benefits in an amount equal to the Employeeemployee’s base annual salary (rounded up to the nearest one thousand dollars ($1,000) times two (2), and an accidental death and dismemberment benefit insurance in an equal amount, up to a maximum coverage level of $200,000. 435 When an Employee employee reaches age sixty-sixty- five (65) and continues working, the Employee’s his or her insurance coverage is benefits are decreased by thirty-five percent (35%) with no further reduction based on upon age thereafter. 2. 436 The following table illustrates examples of the insurance benefit levels described above: LIFE INSURANCE COVERAGE 3. To qualify for the life and accidental death and dismemberment insurance benefits as described aboveabove described, each Employee employee must individually enroll and make proper application for such coverage benefits at the Benefits Office within thirty (30) calendar days of the commencement of the Employee’s his/her regular employment with the EmployerUniversity. Employees An employee who fail fails to enroll and make proper application as herein provided are is specifically and expressly excluded from such benefits plan until such time as they enroll and make he/she makes proper application with the Benefits Office. 4. Provided proper application and enrollment is made by an employee the University agrees to pay the cost for maintaining the above described benefits plan subject to the same rules set forth in Article XXVI.D.2 above for the payment of group medical benefit costs. 5. Changes in life insurance benefit amounts based on changes in base basic annual salary occur effective with the effective date of the change in base annual salary. Base annual salary excludes supplemental appointments appointments, overtime, longevity pay and any other extra compensation. 6. 437 An Employee’s Such group life and accidental death and dismemberment insurance benefits plan shall terminate effective on the date that an Employee employee is terminatedlaid off, resigns or retires, or the group life and accidental death and dismemberment insurance benefits plan terminates, or the employee goes on an unpaid leave of absence. However, when an Employee employee terminates his/her employment with EMU, the Employee University he or she is covered for a grace period of thirty-one (31) calendar days. During such thirty-one (31) day period, the Employee employee may convert the Employee’s his/her group life insurance, without medical examination, to an individual benefits plan. The Employee will employee shall pay the full cost of such benefits plan and may select any type of individual plan then customarily being issued by the insured, except term insurance or a plan containing disability benefits. Plan options The cost of such benefits plan will be the same as the employee would ordinarily pay if he/she had independently applied for an individual benefits plan at that time. 7. Employees laid off or on an unpaid leave of absence may request the continuation of their group life and availability shall be determined by accidental death and dismemberment insurance benefits, subject to the insurer. 438 All other specific terms, conditions, limits same rules set forth in Article XXVI.D.2 and 3 for the continuation of liability and exclusions applicable to said insurance shall be as provided for in the Employer’s policy with its carriergroup medical benefits.

GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE. 434 (a) The Employer shall pay the cost of maintaining provide and maintain life insurance in an amount equal to an (b) The following table illustrates examples of the Employee’s base salary, rounded up to the nearest $1,000, and accidental death and dismemberment insurance benefits in an equal amount for a period benefit levels described above: Example of one Base Salary Less Than One (1) year from an Employee’s first (1st) day Year of appointment as an Employee. Commencing with the month following completion of one Service Over One (1) year Year of coverage as provided above, the Employer shall pay the cost for maintaining life insurance benefits in an amount equal to the Employee’s base salary Service Age 65 and Over 65 (rounded up to the nearest $1,000c) times two (2), and an accidental death and dismemberment benefit in an equal amount, up to a maximum coverage level of $200,000. 435 When an Employee reaches age sixty-five (65) and continues working, the Employee’s insurance coverage is decreased by thirty-five percent (35%) with no further reduction based on age thereafter. 436 To qualify for the life and accidental death and dismemberment insurance benefits as described aboveabove described, each Employee employee must individually enroll and make proper application for such coverage benefits at the Benefits Total Rewards Office within thirty (30) calendar days of the commencement of the Employee’s his/her regular employment with the EmployerUniversity. Employees An employee who fail fails to enroll and make proper application as herein provided are is specifically and expressly excluded from such benefits plan until such time as they enroll and make plan. (d) Provided proper application with and enrollment is made by an employee the Benefits Office. Employer agrees to pay the cost for maintaining the above described benefits plan subject to the same rules set forth in Section 24.04(i) above for the payment of group medical benefit costs, except the payment of three (3) additional months for employees receiving long-term disability benefits. (e) Changes in life insurance benefit amounts based on changes in base basic annual salary occur effective with the effective date of the change in base basic annual salary. Base Basic annual salary excludes supplemental appointments appointments, overtime, longevity pay and any other extra compensation. 437 An Employee’s group . (f) Such Group Life and Accidental Death and Dismemberment Insurance benefits plan shall terminate on the date that an employee terminates, is laid off, the life and accidental death and dismemberment insurance benefits shall terminate effective on the date that an Employee is terminated, resigns or retiresplan terminates, or the group life and accidental death plan terminatesemployee goes on an unpaid leave of absence. However, when an Employee terminates employment with EMUemployee is terminated, the Employee he/she is covered for a grace period of thirty-one (31) calendar days. During such thirty-one (31) day period, the Employee employee may convert the Employee’s his/her group life insurance, without medical examination, to an individual benefits plan. The Employee will employee shall pay the full cost of such benefits plan and may select any type of individual benefits. Plan options and availability shall be determined plan then customarily being issued by the insurer, except term insurance or a plan containing disability benefits. 438 All other specific terms, conditions, limits The cost of liability such benefits plan will be the same as the employee would ordinarily pay if he or she had independently applied for an individual benefits plan at the time. (g) Employees laid off or on an authorized unpaid leave of absence may request the conversion of their group life and exclusions applicable to said accidental death and dismemberment insurance shall be as provided for in benefits through the Employer’s policy with its carrier.