Critical Illness Benefit. Summary Plan Description

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1 Critical Illness Benefit Summary Plan Description Effective June 2015

2 Table of Contents BWXT CRITICAL ILLNESS BENEFIT OVERVIEW...1 CRITICAL ILLNESS AT-A-GLANCE...1 ELIGIBILITY...1 Eligible Dependents...2 ENROLLING FOR BENEFITS...3 Newly Hired Employees...3 Annual Enrollment...3 COVERING YOUR FAMILY...3 COST OF COVERAGE...3 WHEN COVERAGE BEGINS...3 MAKING CHANGES DURING THE YEAR...4 HOW THE CRITICAL ILLNESS BENEFIT WORKS...4 OVERVIEW OF COVERAGE OPTIONS...4 WHAT IS COVERED...5 Basic Benefit - Category 1 and 2 Benefits...5 Optional Cancer Benefit Category 3 Benefits...7 Optional Recurrence Benefit...8 PRE-EXISTING CONDITIONS...8 WHAT IS NOT COVERED...9 TERMS TO KNOW...9 FILING A CLAIM...10 IF A CLAIM IS DENIED...10 APPEAL PROCEDURE FOR DENIED CLAIMS...11 WHEN COVERAGE ENDS...11 CONTINUING YOUR COVERAGE...12 LIFE EVENTS AND YOUR COVERAGE...12 IF YOU TAKE A LEAVE OF ABSENCE...12 IF YOU TAKE A MILITARY LEAVE OF ABSENCE...12 IF YOU DIE...13 IF YOU LEAVE THE COMPANY AND ARE LATER REHIRED...13 IF YOU LEAVE THE COMPANY OR RETIRE...13 IMPORTANT PLAN INFORMATION...13 PLAN ADMINISTRATION...13 PLAN DOCUMENTS...13 YOUR ERISA RIGHTS...14 Prudent Actions by Plan Fiduciaries...14 Enforcing Your Rights...14 Assistance with Your Questions...15 PLAN DETAILS...16

3 BWXT Critical Illness Benefit Overview The Critical Illness benefit provides you with a lump-sum benefit if you are diagnosed with a covered critical illness and can supplement your other medical coverage. The plan also helps with non-medical expenses by providing cash you can use at your discretion to cover other indirect costs related to dealing with a critical illness. Critical Illness At-a-Glance Effective Date of Coverage Cost of Coverage Enrollment Periods Critical Illness Benefit Options Evidence of Insurability Plan Provisions Coverage begins on the date your enrollment form is received and approved by American Heritage Life Insurance Company. You pay the full cost, based on the amount of coverage you select. You may enroll for coverage at any time. Eight coverage choices, with varying benefit levels for supplemental coverage for medical and non-medical expenses related to a Critical Illness diagnosis An optional Critical Illness Cancer Benefit An optional Recurrence Benefit All new employees who enroll for coverage during their first 30 days of employment have guaranteed issue All late entrants (any employee who did not enroll for coverage during their first 30 days of employment) are required to provide Evidence of Insurability (EOI) All dependents are required to provide Evidence of Insurability (EOI) "Evidence of Insurability" is a statement providing your medical history. The Claims Administrator will use this statement to determine your insurability under the Plan. You must pay for the cost of providing this statement to the Claims Administrator. Eligibility You are eligible to enroll yourself and your eligible dependents if you are an active, full-time or part-time employee of the following or their participating subsidiary and affiliated companies and you were enrolled in the plan prior to January 1, No new enrollments will be allowed into the plan after December 31, BWXT Nuclear Operations Group, Inc. BWXT Nuclear Energy, Inc. BWX Technologies, Inc. BWXT Technical Services Group, Inc. BWXT mpower, Inc. Intech, Inc. Nuclear Fuel Services, Inc. Effective June Critical Illness Benefit SPD

4 You may request, in writing from the Corporate Benefits Department, information as to whether a particular subsidiary or affiliated company participates in this plan. You are not eligible for coverage under this benefit if you are: A non-resident alien who has no U.S. source income (as defined in the U.S. tax code) Covered by a collective bargaining agreement that does not provide for participation in this plan Classified as a part-time employee who has less than 12 months of consecutive service or works less than 20 hours per week Classified as a temporary or part-time casual employee A person who provides services to the company under an agreement with a leasing organization Classified by the company as an independent contractor or consultant, regardless of whether you are subsequently re-classified as an employee by a court or governmental agency for any reason Not an enrolled employee or dependent on December 31, 2015 Eligible Dependents Your eligible dependents may participate in the Critical Illness benefit. Your eligible dependents include your: Legal spouse (unless legally separated) Unmarried dependent child under age 25 Unmarried child of any age, if the child depends on you for support due to a continuing physical or mental disability (as long as you provide verification of the incapacity when required) Child who qualifies as your dependent under the terms of a Qualified Medical Child Support Order Your child can mean your natural or legally adopted child from the time he or she is placed for adoption. No person can be covered both as an employee and as a dependent under this plan. No person can be covered as a dependent under this plan if covered as an employee under any group contract or plan sponsored by the employer. No person can be covered as a dependent of more than one employee under this plan or any other group contract or plan sponsored by the employer. No person can enroll for dependent only coverage. This means that you cannot enroll your dependents for coverage unless you are enrolled. Effective June Critical Illness Benefit SPD

5 Enrolling for Benefits Newly Hired Employees If you are hired prior to December 31, 2015, you may enroll yourself and your eligible dependents for Critical Illness coverage at any time prior to December 31, 2015, subject to approval by American Heritage Life Insurance Company. To enroll, contact American Heritage Life Insurance Company directly at You must also complete and return an application form. Forms are available from American Heritage Life Insurance Company. Send your completed application to: American Heritage Life Insurance Company P.O. Box Jacksonville, FL American Heritage Life Insurance Company will contact you if more information is necessary. Annual Enrollment Each year in the fall, the company conducts annual enrollment for the following calendar year. During the annual enrollment period, you have the opportunity to enroll in Critical Illness coverage, make changes to coverage, or continue your previous elections for the following year, if available. Changes in coverage are subject to Evidence of Insurability. This benefit has been closed to new enrollees beginning January 1, 2016 Covering Your Family When you enroll for coverage, you can also decide which eligible dependents you want to cover. The following levels of coverage are available: Employee Only Employee + Spouse Employee + Child(ren) Employee + Family Cost of Coverage You pay the full cost of Critical Illness coverage for yourself and your eligible dependents. Your cost of Critical Illness coverage is based on the amount of coverage you select. The premium is deducted from your paycheck on an after-tax basis. When Coverage Begins If you apply for coverage no later than 30 days after your Eligibility Date and agree to have the required contributions deducted from your pay, you will be covered on the later of: Effective June Critical Illness Benefit SPD

6 Your Eligibility Date as described in Plan Highlights; or The date you meet the Active Employee requirements; or The date you apply for coverage. If you are an Active Employee and apply for coverage more than 30 days after your Eligibility Date, you will be required to provide Evidence of Insurability satisfactory to the Claims Administrator. Your coverage will become effective on the later of: The date the Claims Administrator approves your Evidence of Insurability; or The date you meet the Active Employee requirements. Making Changes During the Year If you are enrolled prior to January 1, 2016 you may increase or decrease coverage at any time during the year. Changes in coverage are subject to you providing Evidence of Insurability, as required. You may change your coverage during the year by contacting American Heritage Life Insurance Company at American Heritage Life Insurance Company must approve any application for increased coverage before coverage takes effect. Changes in coverage will become effective after your application is approved. If you change your coverage, any decrease will also apply to your covered dependents. How the Critical Illness Benefit Works There are two categories for Critical Illness options (Basic and Optional) that each include eight benefit levels, but the main features are similar. There is no deductible. Overview of Coverage Options When you enroll, you may choose from the following eight plan options. Each Basic Benefit option offers a lump-sum benefit for diagnosis of a covered Critical Illness You also have the option of enrolling in the Optional Critical Illness Cancer Benefit and/or the Optional Recurrence Benefit. The dollar amount on the table represents the benefit for Employee Only coverage. If you cover your spouse or child(ren), their coverage is equal to half of your elected coverage. For example, if you choose Plan 3, your coverage is $15,000, your spouse s coverage is $7,500, and your child(ren) s coverage is $7,500. Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8 Benefit Category 1 - Critical Illness Coverage Heart Attack $10,000 $10,000 $15,000 $15,000 $30,000 $30,000 $40,000 $50,000 Heart Transplant $10,000 $10,000 $15,000 $15,000 $30,000 $30,000 $40,000 $50,000 Stroke $10,000 $10,000 $15,000 $15,000 $30,000 $30,000 $40,000 $50,000 Coronary Artery Bypass $2,500 $2,500 $3,750 $3,750 $7,500 $7,500 $10,000 $12,500 Surgery Benefit Category 2 - Critical Illness Coverage Effective June Critical Illness Benefit SPD

7 Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8 $10,000 $10,000 $15,000 $15,000 $30,000 $30,000 $40,000 $50,000 Major Organ Transport (other than heart) End Stage Renal $10,000 $10,000 $15,000 $15,000 $30,000 $30,000 $40,000 $50,000 Failure Paralysis (not as a $10,000 $10,000 $15,000 $15,000 $30,000 $30,000 $40,000 $50,000 result of stroke) Alzheimer s Disease $2,500 $2,500 $3,750 $3,750 $7,500 $7,500 $10,000 $12,500 Benefit Category 3 - Critical Illness Cancer Coverage Invasive Cancer $10,000 $10,000 $15,000 $15,000 $30,000 $30,000 $40,000 $50,000 Carcinoma in Situ $2,500 $2,500 $3,750 $3,750 $7,500 $7,500 $10,000 $12,500 Additional Benefits Recurrence Benefit N/A 25% of previously paid Category 1 or 2 benefits N/A 25% of previously paid Category 1 or 2 benefits N/A 25% of previously paid Category 1 or 2 benefits 25% of previously paid Category 1 or 2 benefits 25% of previously paid Category 1 or 2 benefits What is Covered Basic Benefit - Category 1 and 2 Benefits The illnesses covered under the Critical Illness Basic Benefit are shown in the following chart. The amount payable for each illness is the percentage shown below multiplied by your basic benefit amount. The maximum total percentage of the basic benefit amount for Category 1 and Category 2 is 100%. Category 1 Specified Critical Illness Heart Attack The death of a portion of heart muscle as a result of inadequate blood supply to the relevant area. Diagnosis must be based on both new electrocardiographic changes; and elevation of cardiac enzymes or biochemical markers showing a pattern and to a level consistent with a diagnosis of heart attack. Heart Transplant The surgical transplantation of the heart from a patient who died and whose heart was intact and capable of functioning in the recipient. The transplanted organ must come from a human donor. Stroke Death of a portion of the brain producing neurological sequelae including infarction of brain tissue, hemorrhage and embolization from an extra-cranial source. There must be evidence of permanent neurological deficit. Transient ischemic attacks, head injury, chronic cerebrovascular insufficiency, and reversible ischemic neurological deficits are excluded. Coronary Artery By-pass Surgery Undergoing a surgical operation to correct narrowing or blockage of one or more coronary arteries with by-pass grafts on the advice of a cardiologist registered in the Percentage of Basic Benefit Amount 100% 100% 100% 25% Maximum Total Percentage of Basic Benefit Amount for Category 100% Effective June Critical Illness Benefit SPD

8 Specified Critical Illness United States. Angiographic evidence to support the necessity for by-pass surgery will be required. The following procedures are not considered by-pass surgery: balloon angioplasty; laser embolectomy; atherectomy; stent placement; or other non-surgical procedures. Category 2 Major Organ Transplant (other than heart) The surgical transplantation of a lung, liver, pancreas, or kidney. The transplanted organ must come from a human donor. End Stage Renal Failure Failure of both kidneys to perform their essential functions, with the covered person undergoing peritoneal dialysis or hemodialysis or a renal transplant. Paralysis (not as a result of stroke) Complete and permanent loss of use of two or more limbs. Paralysis as a result of stroke is excluded. Alzheimer s Disease A clinically established diagnosis of the disease by a psychiatrist or neurologist, resulting in the inability to perform, independently, three or more of the following activities of daily living: bathing; or dressing; or toileting; or eating; or taking medication. Percentage of Basic Benefit Amount 100% 100% 100% 25% Maximum Total Percentage of Basic Benefit Amount for Category 100% This benefit is paid if you or a covered dependent is diagnosed with one of the illness shown above if: The date of diagnosis is after the effective date of coverage; and The date of diagnosis is while insured; and The illness is not excluded by name or specific description. Your coverage remains in force until 100% of your basic benefit amount has been paid within Category 1 or 2, individually. Once that occurs you are not eligible for additional benefits for any illness within that Category. Should you receive benefits for an illness within one Category and then become eligible for benefits within the same Category, the percentage of the basic benefit amount you will receive for the subsequent illness is the lesser of: The percentage of the basic benefit amount shown in the table above for that illness; or 100% minus the percentage of basic benefit amount received for previous illness(es). Date of Diagnosis The date of diagnosis varies by specified illness and is defined as: Effective June Critical Illness Benefit SPD

9 Heart Attack: the date of death of a portion of the heart muscle. Stroke: the date stroke occurred based on documented neurological deficits and neuroimaging studies. End-Stage Renal Failure: the date insured begins renal dialysis. Major Organ Transplantation or Coronary Artery By-pass Surgery: the date the actual surgery occurs. Paralysis: the date the diagnosis is established by the physician based on clinical and/or laboratory findings as supported by medical records. Alzheimer s Disease: the date the diagnosis is established by the psychiatrist or neurologist based on clinical and/or diagnostic findings as supported by medical records. Optional Cancer Benefit Category 3 Benefits This optional coverage is payable if you or a covered dependent is diagnosed with a new form or type of invasive cancer, subject to: Clear and definitive diagnosis by either a pathologist or clinical method; and The date of diagnosis is after the effective date of coverage; and The date of diagnosis is while this optional benefit is in force; and The illness is not excluded by name or specific description in this policy. The illnesses covered under the Optional Cancer Benefit to your Critical Illness policy are shown in the following chart. The amount payable for each illness is the percentage shown below multiplied by your basic benefit amount. Specified Critical Illness Invasive Cancer Benefit paid if a covered person is diagnosed with a new form or type of invasive cancer, which means a malignant tumor characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. This includes Leukemia and Lymphoma. This is subject to all of the following: clear and definitive diagnosis by either a pathological or clinical method; and the date of diagnosis is after the effective date of coverage; and the date of diagnosis is while this optional benefit is in force; and the illness is not excluded by name or specific description in the certificate. Percentage of Basic Benefit Amount Maximum Total Percentage of Basic Benefit Amount for Category 100% 100% Carcinoma in Situ Benefit paid if a covered person is diagnosed with a new form or type of cancer wherein the tumor cells still lie within the tissue of origin without having invaded neighboring tissue. Cancer in Situ includes: early prostate cancer diagnosed as stage A or equivalent staging; and melanoma not invading the dermis. 25% 100% Effective June Critical Illness Benefit SPD

10 Specified Critical Illness Carcinoma in Situ does not include: other skin malignancies; or pre-malignant lesions (such as intraepithelial neoplasia); or benign tumors or polyps. This is subject to all of the following: clear and definitive diagnosis by either a pathological or clinical method; and the date of diagnosis is after the effective date of coverage; and the date of diagnosis is while this optional benefit is in force; and the illness is not excluded by name or specific description in the certificate. Percentage of Basic Benefit Amount Maximum Total Percentage of Basic Benefit Amount for Category Your coverage remains in force until 100% of your basic benefit amount has been paid within Category 3. Once that occurs you are not eligible for additional benefits for any illness within that Category. Should you receive benefits for an illness within one Category and then become eligible for benefits within the same Category, the percentage of the basic benefit amount you will receive for the subsequent illness is the lesser of: The percentage of the basic benefit amount shown in the table above for that illness; or 100% minus the percentage of basic benefit amount received for previous illness(es). Optional Recurrence Benefit This optional coverage is payable if you or a covered dependent is diagnosed more than once with the same covered critical illness for which you already received maximum benefits if: There is more than 18 months between each diagnosis; and You did not receive treatment for that critical illness (treatment does not include medications and follow-up visits); and You coverage is in force on the date of diagnosis; and The specified critical illness is not excluded by name or specific description in this Category. The Optional Recurrence Benefit will pay 25% of the basic benefit previously paid for the specified illness. Only one recurrence for a previously paid specified illness under Category 1 or 2 will be paid. Pre-existing Conditions A pre-existing condition provision applies and benefits will not be paid for any specified critical illness due to, or caused by, a pre-existing condition. A pre-existing condition means a disease or physical condition for which symptoms existed or medical advice or treatment was received or recommended within 12 months prior to Effective June Critical Illness Benefit SPD

11 effective date of coverage. A pre-existing condition can exist even though no diagnosis has been made. What is Not Covered Plan limitations and exclusions will vary depending on the type of benefit. In no event will any benefits be provided prior to the effective date of coverage or due to any pre-existing conditions as defined above. Cancer benefits exclude skin malignancies other than melanoma not invading the dermis or deeper, skin malignancies that have become metastatic, pre-malignant lesions (such as intraepithelial neoplasia), benign tumors or polyps, tumors in the presence of any human immunodeficiency virus, and early prostate (stage A) cancer. Coronary Artery By-pass Surgery Benefits exclude balloon angioplasty, laser embolectomy, atherectomy, stent placement, and other non-surgical procedures. Heart Attack Benefits exclude established myocardial infarctions. Paralysis Benefits exclude paralysis as a result of stroke. Stroke Benefits exclude transient ischemic attacks (TIA s), head injury, chronic cerebrovascular insufficiency, and reversible ischemic neurological deficits. For a complete list of limitations and exclusions, call American Heritage Life Insurance Company at Terms to Know Alzheimer s Disease is a clinically established diagnosis of the disease by a psychiatrist or neurologist, resulting in the inability to perform, independently, three or more of the following activities: Bathing; or Dressing; or Toileting; or Eating; or Taking Medication. Carcinoma in Situ is the diagnosis of cancer wherein the tumor cells still lie within the tissue or origin without having invaded neighboring tissue. This can include: Early prostate cancer diagnosed as stage A or equivalent staging; or Melanoma not invading the dermis. Coronary Artery By-pass Surgery is the undergoing of a surgical operation to correct the narrowing or blockage of one or more coronary arteries with by-pass graft on the advice of a cardiologist registered in the United States. Angiographic evidence to support the necessity for this surgery is required. Effective June Critical Illness Benefit SPD

12 End Stage Renal Failure is failure of both kidneys to perform their essential functions, with the insured undergoing peritoneal dialysis or a renal transplant. Evidence of Insurability is a statement providing your medical history. The Claims Administrator will use this statement to determine your insurability under the Plan. This statement must be provided to the Claims Administrator at your expense. Heart Attack is the death of a portion of heart muscle as a result of inadequate blood supply to the relevant area. The diagnosis must be based on both: New electrocardiographic changes; and Elevation of cardiac enzymes or biochemical markers showing a pattern and to a level consistent with a diagnosis of heart attack. Invasive Cancer is a malignant tumor characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. This includes Leukemia and Lymphoma. Major Organ Transplantation is the surgical transplantation of a lung, liver pancreas or kidney. The transplanted organ must come from a human donor. Paralysis is the complete and permanent loss of function of two or more limbs. Stroke is the death of a portion of the brain producing neurological sequelae including infarction of brain tissue, hemorrhage and embolization from an extracranial source. There must be evidence of permanent neurological deficit. Filing a Claim Contact American Heritage Life Insurance Company Customer Service at as soon as you think you may be eligible to begin receiving your Critical Illness insurance benefits. Claim forms are only available from American Heritage Life Insurance Company. If a Claim is Denied If a claim is denied, you will receive a written notice from American Heritage Life Insurance Company explaining: The specific reasons for the denial; and The policy provision that related to the denial; and The right to ask for a review of the claim; and The right to submit any additional information that might allow the company to reverse their decision. Once you receive this information, you may, but are not required to, try to resolve your claim by discussing your situation with American Heritage Life Insurance Effective June Critical Illness Benefit SPD

13 Company and providing the requested information. If your claim is still denied, you have the right to continue your appeal. Appeal Procedure for Denied Claims To appeal your claim, you or your authorized representative must send written notice of appeal within 60 days after your claim is denied to: American Heritage Life Insurance Company P.O. Box 7308 Columbia, SC The request for review should include appropriate issues, comments and reasons why you or your authorized representative believes the claim should not have been denied. The request must set forth all facts and include all documents you feel support your appeal. In preparing your appeal, you or your authorized representative has the right to review relevant plan documents and submit written comments for consideration by American Heritage Life Insurance Company. Within 60 days (or 120 days under special circumstances) after a request for a review is received, you will receive a written notice of the final decision or the reasons for any delay in reaching a final decision. American Heritage Life Insurance Company makes the final determination on your claim. American Heritage Life Insurance Company has the right to obtain all information necessary to evaluate your claim, including an independent examination of the patient. When Coverage Ends Under most circumstances, your Critical Illness coverage ends: On the last day of the month you terminate employment; or On the last day of the month you transfer to an affiliated company not participating in the plan; or On the date your employer ceases to be a participating employer; or On the last day of the pay period before the date that any required contributions are not received; or On the day the plan is terminated; or The day you receive the maximum total percentage of your basic benefit amount, including optional recurrence benefit, if applicable. However, you may be eligible to port coverage, as described in Continuing Your Coverage. Coverage for your dependents ends when your coverage ends or on the last day of the month in which they are no longer eligible dependents as defined on page 2. If Effective June Critical Illness Benefit SPD

14 your coverage ends, your dependents may be eligible to port coverage, as described in Continuing Your Coverage. Continuing Your Coverage Critical Illness coverage is portable, subject to these provisions: You submit a written request and payment of the first premiums for the portability coverage no later than 30 days after your coverage ends Your request for portability is made on a form furnished and approved for that purpose by American Heritage Life Insurance Company Portability coverage will be effective on the day after your coverage under the policy terminates. Portability is not available if your coverage ends because you failed to pay the required premium or if the group policy terminates. Life Events and Your Coverage This section provides a quick look at how your Critical Illness coverage is affected during certain life events, or qualified status changes. Any changes you make to your benefits must be consistent with the type of life event you experience. If You Take a Leave of Absence Coverage available during a leave of absence varies depending on the type of leave and your employer. If You Take a Military Leave of Absence If you enter into active duty in the Armed Forces of the United States (except for temporary active duty service of two weeks or less) and you do not elect to continue paying for coverage while on active duty, coverage for you and your enrolled dependents ends on the last day of the month in which: You stop paying for coverage; or You no longer meet the eligibility requirements. However, if you are reemployed with the company within the period of time required by law, you are entitled to reinstate coverage with no waiting period under the Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA). Important Note: Your rights under USERRA will be lost if you: Are discharged from the uniformed services for other than honorable conditions; or Provide written notice to the company that you will not be returning to work. Effective June Critical Illness Benefit SPD

15 If You Die Coverage for your dependents is portable as described in Continuing Your Coverage on page 12. If You Leave the Company and are Later Rehired If you are rehired as an employee eligible to participate in this benefit, you must complete a new application to re-enroll for coverage. If You Leave the Company or Retire You may continue your coverage by converting your coverage as described under Continuing Your Coverage on page 12. You will be required to make payments directly to American Heritage Life Insurance Company. Important Plan Information The following information provides details about the way the plan is administered. The existence of benefits, benefit plans or this benefits information is not intended as an employment contract or a guarantee of future employment. Plan Administration American Heritage Life Insurance Company has the right to carry out responsibilities and use maximum discretionary authority permitted by law. These rights and responsibilities include, but are not limited to, the following: Interpret, construe and administer the plan; and Make determinations regarding plan participation, enrollment and eligibility for benefits; and Evaluate and determine the validity of benefit claims; and Resolve any and all claims and disputes regarding the rights and entitlements of individuals to participate in the plans and to receive benefits and payments pursuant to the plans. The decisions of American Heritage Life Insurance Company are final and binding. Plan Documents This booklet provides a summary of the benefits available to eligible employees. Full details of the plan are contained in the official plan documents and contracts. If a provision described in this booklet differs from the provisions of the applicable plan document, the plan document prevails. Copies of official plan documents are available from the Plan Administrator. You may be asked to pay reasonable costs for copying the document. Effective June Critical Illness Benefit SPD

16 Your ERISA Rights As a participant, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974, as amended ( ERISA ). ERISA provides that all plan participants shall be entitled to: Examine, without charge, at the Plan Administrator s office and at other specified locations, such as work sites and union halls, all documents governing the plan, including insurance contracts and collective bargaining agreements, and a copy of the latest annual report (Form 5500 Series) filed by the plan with the U.S. Department of Labor and available at the Public Disclosure Room of the Pension and Welfare Benefits Administration. Obtain, upon written request to the Plan Administrator, copies of documents governing the operation of the plan, including insurance contracts and collective bargaining agreements, and copies of the latest annual report (Form 5500 Series) and updated summary plan description. The administrator may make a reasonable charge for the copies. Receive a summary of the plan s annual financial report. The Plan Administrator is required by law to furnish each participant with a copy of this summary annual report. Prudent Actions by Plan Fiduciaries In addition to creating rights for plan participants, ERISA imposes duties upon those people responsible for the operation of employee benefit plans. The people who operate your plan, called fiduciaries of the plan, have a duty to do so prudently and in the interest of you and other plan participants and beneficiaries. No one, including your employer, your union or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a benefit or exercising your rights under ERISA. Enforcing Your Rights If your claim for a benefit is denied or ignored, in whole or in part, you have a right to know why this was done, to obtain copies of documents relating to the decision without charge, and to appeal any denial, all within certain time schedules. Under ERISA, there are steps you can take to enforce the above rights. For example, if you request materials from the plan and do not receive them within 30 days, you may file suit in a federal court. In such a case, the court may require the Plan Administrator to provide the materials and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the administrator. If you have a claim for benefits that is denied or ignored, in whole or in part, you may file suit in a state or federal court. You may also file suit in a federal court if you disagree with the plan s decision, or lack of a decision, concerning the qualified status of a domestic relations order. If the plan fiduciary misuses the plan s money or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a federal court. Effective June Critical Illness Benefit SPD

17 The court will decide who should pay court costs and legal fees. If you are successful, the court may order the person you have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and fees; for example, if it finds your claim is frivolous. Assistance with Your Questions If you have any questions about your plan you should contact the Plan Administrator. If you have any questions about this statement or about your rights under ERISA, you should contact the nearest office of: Employee Benefits Security Administration U.S. Department of Labor (listed in your telephone directory) or Division of Technical Assistance and Inquiries Employee Benefits Security Administration U.S. Department of Labor 200 Constitution Ave., N. W. Washington, D.C You may also obtain certain publications about your rights and responsibilities under ERISA by calling the publications hotline of the Pension and Welfare Benefits Administration listed in your telephone directory. The information provided to you in this Summary Plan Description ( SPD ) describes eligibility, loss of eligibility, how you may submit a claim for benefits and how to appeal any denial of a claim and other pertinent information, as required by the Employee Retirement Income Security Act of 1974, as amended ( ERISA ). Technical information, including the plan sponsor, plan number and Plan Administrator can be located in the following chart: Effective June Critical Illness Benefit SPD

18 Plan Details Official Plan Name Plan Sponsor and Plan Administrator Claims Administrator/ Insurance Company Type of Administration Employer Identification Number (EIN) Plan ID Number 502 Plan Type BWXT Group Insurance Plan The BWXT Investment Company 800 Main Street Lynchburg, VA American Heritage Life Insurance Company P.O. Box 7308 Columbia, SC Enrollment: Claim Questions: This benefit is administered by American Heritage Life Insurance Company pursuant to a contract with the Plan Sponsor Welfare benefit plan Plan Year January 1 through December 31 Plan Funding Agent for Service of Legal Process This benefit is fully insured with premiums paid solely by employee contributions. CT Corporation Systems 150 Fayetteville St, Box 1011 Raleigh, NC 27601Service of legal process may also be made on the Plan Administrator. This summary contains general information about the Critical Illness benefit available to eligible employees. Full details of the plan are contained in the official plan documents and/or insurance contracts. If a provision described in this summary differs from the provisions of the applicable plan document and/or insurance contract, the plan document and/or insurance contract prevails. This description of the Critical Illness benefit is not intended as an employment contract nor a guarantee of current or future employment. The Plan Sponsor reserves the right to modify, amend, suspend or terminate the plan at any time. Effective June Critical Illness Benefit SPD

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