Take charge now! Lincoln Accident Insurance. Employee Guide GRO UP BENEFIT S. The Lincoln National Life Insurance Company ENR-CUYA-BRC001

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1 Take charge now! Lincoln Accident Insurance Employee Guide The Lincoln National Life Insurance Company ENR-CUYA-BRC001 GRO UP BENEFIT S

2 Lincoln Accident Insurance Helps you live in the moment Life is full of unexpected moments. Some of these become your most cherished memories, and some are ones you d rather forget like accidental injuries. That s why we offer Lincoln Accident Insurance. Lincoln Accident Insurance pays cash should you or a family member suffer an accidental injury and you decide the best way to spend it. Benefits for more than 70 covered injury expenses and treatments include: Emergency room visits Ambulance transportation Hospital admission and confinement Intensive care Surgeries Fractures and dislocations Lacerations Concussions Accidental death and dismemberment And more You ll receive cash for covered injuries. You ll even get benefits for multiple covered injuries resulting from the same accident. Assess your need for accident insurance Consider your medical costs Take a look at your medical deductibles, copayments, and insurance maximums, and decide whether you re able to pay them out of your own pocket. Consider your expenses Add up routine expenses like food and clothing and regular bills such as credit cards, car payments, and mortgages to see how much money is left to pay medical bills. Consider your savings Estimate your savings, investments, and other nest eggs, and decide whether you could dip into them to cover costs due to an accident. Important features that make a difference Certainty For 2014 benefits open Security You can keep your coverage if you leave the College. Affordability Products offered at your workplace are usually less expensive than purchasing on your own. Convenience Payroll deduction is simple and easy. enrollment or for new hires, the insurance is Guarantee Issue, which means you have an opportunity to buy coverage without medical examinations or questionnaires. Late entrants will be subject to evidence of insurability. Employee assistance. Accident coverage includes telephone and online confidential guidance for personal matters if you suffer an accident. TravelConnect SM services. The plan comes with travel assistance services such as travel planning and free emergency medical help whenever you travel more than 100 miles from home.

3 Group accident coverage Summary of benefits Eligibility: All full-time employees between ages 17 and 80. Emergency care Ambulance/air ambulance $150/$600 Initial physician office visit/er visit $75/$150 Major diagnostic care $100 Treatment care Hospital admission $1,000 Hospital confinement daily benefit $200 Intensive care daily benefit $400 Alternate care and rehabilitative facility daily benefit $100 Follow-up doctor/patient care, up to 6 sessions $50 Transportation for care (up to 3 times per accident) $300 Companion lodging (up to 30 days per accident) $100 Family care, per child (up to 30 days) $20 Fractures Nonsurg/Surg Per fracture $100 $2,800/$200 $5,600 Chip fractures 25% of the fracture benefit Dislocations Nonsurg/Surg Per injury $150 $2,400/$300 $4,800 Partial dislocation 25% of the dislocation benefit Specific injuries or treatments Transfusions $300 Burns $100 $12,800 Skin grafts Additional 25% of the burn benefit Joint replacement $1,500 $2,000 Coma $7,500 Concussion $100 Dental crown, once per accident $150 Dental extraction, once per accident $50 Eye (removal of foreign body), once per eye/accident $100 Eye (surgical repair), once per eye/accident $300 Laceration $50 $400 Surgery $250 $1,000 Treatment of ligaments/tendons, knee cartilage, $450 $600 rotator cuff, ruptured disc Transitional care benefits Crutches, wheelchair, walker $25 $350 Prosthesis per limb/device $500 Reasonable modifications to home or vehicle $2,500

4 Accidental death & dismemberment (AD&D) Employee $75,000 Spouse $25,000 Child $12,500 Loss of or loss of use of one: hand, foot, arm, leg, eye $7,000 Loss of or loss of use of any one finger, thumb, or toe $300 Common carrier enhanced death benefit 2x benefit amount Transportation of remains $5,000 Seat belt/helmet AD&D benefit 10% of AD&D Common disaster enhanced death benefit 2x benefit amount Catastrophic loss $50,000 Additional benefits Accident EAP services TravelConnect SM Health Assessment (Wellness) Benefit: If an insured undergoes a defined health assessment, a benefit will be paid. $50, one time per year per insured Accident base coverage Biweekly cost for 22 pay periods Biweekly cost for 26 pay periods Employee only $8.64 $7.31 Employee + spouse $13.23 $11.19 Employee + child(ren) $14.29 $12.08 Employee + family $20.08 $16.99 Group level benefit options Additional benefits selected by employer for all enrolled employees cost included in the base coverage rates above Health Assessment (Wellness) Exclusions This accident policy will not cover losses caused by or as a result of: Injury occurring prior to the effective date of coverage or after termination of the coverage Duty as a member of any military, including Reserves or National Guard Travel or flight in or on any aircraft, except as a fare-paying passenger on a regularly scheduled commercial flight Participating in high-risk or extreme sports Having cosmetic or elective surgery Participating in or attempting to commit a felony Being incarcerated in any type of penal or detention facility Having a blood alcohol level of.08 grams of alcohol or more per 100 milliliters of blood Deliberately using poison, gas, fumes or drugs (except when prescribed by a physician and administered appropriately) Committing or attempting to commit suicide or any other self-inflicted injury Any sickness, disease (physical or mental), or medical or surgical treatment of these Participating in, practicing for, or officiating a semiprofessional or professional sport Riding in or driving any motor-driven vehicle for race, stunt show or speed test War, act of war, or participation in a riot, insurrection or rebellion Any injury sustained while residing outside the U.S., U.S. territories, Canada or Mexico for more than 12 months Injury arising out of or in the course of any employment for wage or profit (Off-the-Job Coverage only)

5 This is not intended as a complete description of the insurance coverage offered. While benefit amounts stated in this summary are specific to your coverage, other items may summarize our standard product features and not the specific features of your coverage. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A policy will be made available to you that describes the benefits in greater detail. Should there be a difference between this summary and the policy, the policy will govern Lincoln National Corporation 150 N. Radnor-Chester Road Radnor, PA LincolnFinancial.com PDF 9/13 Z02 Order code: ENR-CUYA-BRC001 In Maryland, Minnesota, New Jersey, New York and Washington, this product is offered as an individual insurance policy. In all other states, this product is offered as a group insurance policy. This plan design is not offered in New York. This product is not available in Vermont. Travel assistance services are provided by FrontierMEDEX, Baltimore, MD. Accident EAP services are provided by ComPsych Corporation, Chicago, IL. FrontierMEDEX and ComPsych are not Lincoln Financial Group companies. Each independent company is solely responsible for its own obligations. Some benefits have limits on the number of services provided or limit the time frame in which the services must be rendered. See your certificate booklet or policy for more information. Insurance products (policy series GL41, GL41SG, WIND) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. Product availability and/or features may vary by state. Limitations and exclusions apply. Not for use in New York. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

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