Participating in the Life and Accidental Death and Dismemberment (AD&D) Insurance Plans

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1 Participating in the Life and Accidental Death and Dismemberment (AD&D) Insurance Plans This document serves as the Summary Plan Description (SPD) for the Campbell Soup Company Life Insurance and Accidental Death and Dismemberment (AD&D) Insurance Plans. The Campbell Life and Accidental Death and Dismemberment (AD&D) Plans provide eligible employees with a complete package of life insurance protection, suited to their personal needs. The Campbell Life Insurance Plan includes: Basic Life Insurance Voluntary Employee Life Insurance Voluntary Spouse/Domestic Partner Life Insurance Voluntary Dependent Life Insurance Group Universal Life Insurance (available only to employees enrolled on or before December 31, 2003) The Campbell AD&D Insurance Plan includes: Basic Employee Accidental Death and Dismemberment (AD&D) Insurance Voluntary Employee AD&D Insurance The basic employee life and basic employee AD&D benefits are automatically provided by Campbell to help offer financial protection for your beneficiaries if you become injured or die. You also may purchase Voluntary Life and AD&D Insurance at group rates. This section explains who is eligible to participate, and how and when to enroll. Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees) 251

2 In This Section See Page Eligibility Eligible Dependents Campbell Couples Dependent Children Cost of Coverage How to Enroll Enrolling When First Eligible Enrolling During Annual Enrollment Making Mid-Year Enrollment Changes Designating a Beneficiary Beneficiary for Spouse/Domestic Partner and/or Dependent Child Life Coverage Evidence of Insurability Special Coverage Limitations If You Do Not Enroll When Coverage Begins When Coverage Begins For Your Covered Dependents Coverage Under Special Circumstances When Coverage Ends Continuing Coverage Conversion Rights Continuing Coverage Portability Provision Assignment of Rights Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees)

3 Eligibility If you are a salaried employee regularly scheduled to work at least 20 hours per week, you are eligible to participate in the Campbell Life and AD&D Insurance Plans on your first day of employment. If you are a hourly employee, regularly scheduled to work at least 20 hours per week, you are eligible to participate on the first day following 90 days from your date of hire. If you are a Pepperidge Farm Retail Sales employee, you must be regularly scheduled to work 30 hours per week and you are eligible on the first day following 90 days from your date of hire. You are not eligible to participate in the Campbell Life and AD&D Insurance Plans if you are: An employee who is regularly scheduled to work less than 20 hours per week, or if you are a Pepperidge Farm Retail Sales hourly employee scheduled to work less than 30 hours per week. An employee of a leasing company or temporary employment agency; or An individual who performs services for Campbell as an independent contractor, consultant, or other designation, irrespective of whether such individual is treated as an employee under common-law employment principles. Your Regularly Scheduled Work Week For benefits eligibility purposes, your regularly scheduled work week is based on your regular work schedule, not the actual hours you work. If your regularly scheduled work week changes, your eligibility to participate in the healthcare plan may change. Eligible Dependents If you re an eligible employee, certain dependents are eligible for coverage in the Voluntary Life Insurance Program. You may cover: Your legal spouse (including same sex and common law spouses) or domestic partner; Your unmarried dependent children or your domestic partner s unmarried dependent children under age 19 or age 19 to 23 who are full-time students; Your unmarried dependent children of any age who live with you, are unable to support themselves, and who became physically or mentally incapacitated prior to age 19 (or age 23 if a full-time student) and remain physically or mentally incapacitated. See Dependent Children on page 254 for more information. Keep in Mind When Enrolling You are responsible for understanding and following the dependent eligibility rules. Campbell reserves the right to conduct dependent eligibility audits at any time. You may be asked to provide documentation to validate the eligibility of any dependents that you have enrolled. Campbell Couples If both you and your spouse/domestic partner work for Campbell, special provisions apply to your eligibility and enrollment in the Life Insurance Plan. If you, your spouse/domestic partner and/or your dependent children are eligible for coverage under the Life Insurance Plan, you may not select duplicate coverage for yourselves or your eligible dependents. In other words, you each may enroll as individuals, or one of you may enroll and elect dependent coverage for your spouse/domestic partner, but none of you may be covered as both an employee and a dependent, nor may you or your spouse/domestic partner cover the same eligible dependents under the Campbell Life Insurance Plan. Under no circumstances can an eligible dependent be covered by more than one employee under the Plan. Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees) 253

4 Dependent Children Eligible dependent children include: Your natural or adopted children, children placed with you for adoption, stepchildren, or your domestic partner s children, and Children for whom you have been appointed legal guardian. A child is a dependent if: He or she qualifies as a dependent for federal income tax purposes, or if you provide more than 50% of their support; He or she is living with you in a regular full-time parent/child relationship (a regular parent/child relationship does not exist if the child s parent, other than your spouse/domestic partner, also resides with you), and is dependent upon you for maintenance and support. Disabled Dependent Children To cover disabled dependent children, you must verify in writing that the disability occurred before age 19 or age 23 if a full-time student. You have until December 31 of the year he or she reaches age 19 or age 23 to provide this verification, and the claims administrator may require you to provide medical documentation substantiating continued permanent disability on an annual basis. Your eligible dependents are also eligible for participation in certain Voluntary Life and AD&D Insurance Programs. Cost of Coverage Basic Employee Life and AD&D Insurance: Campbell pays the cost of your basic life insurance coverage and your basic AD&D coverage while you are actively at work. If your basic life insurance coverage amount is in excess of $50,000, the amount above $50,000 is considered imputed income and is subject to taxes. Imputed income is reported on your W-2 form. Contact your tax advisor or personal financial planner if you have questions about imputed income. Voluntary Life and AD&D Insurance: You pay the cost of your voluntary life insurance coverage, including voluntary employee life, voluntary AD&D and voluntary dependent life coverage, on an after-tax basis through payroll deductions. The cost of voluntary employee life and voluntary spouse/domestic partner life insurance coverage is based on: Your age on January 1 st of the current year; and Your (or your spouse s/domestic partner s) status as a tobacco or non-tobacco user. Imputed Income You must pay income taxes on the value of your company-paid basic employee life insurance above $50,000. This value is called imputed income and becomes part of your taxable income reported on your W-2. If your annual base pay is greater than $50,000, you can choose to limit your basic employee life coverage to $50,000 by calling Campbell Benefits Center at However, if you later wish to increase your coverage, evidence of insurability (EOI) rules will apply. If you (or your spouse/domestic partner) have used tobacco in the past 12 months, you (or your spouse/domestic partner) are considered to be a tobacco user. In order to qualify for the nontobacco user rates, you (or your spouse/domestic partner) must be tobacco-free for 12 months. 254 Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees)

5 Each year, your annual enrollment materials will show the voluntary life and AD&D rates for each option offered. The cost of voluntary dependent child life coverage is $2 per month, regardless of the number of eligible dependent children you cover. Your contributions for coverage start when your coverage begins or the first pay cycle following your enrollment, if later. (Please see When Coverage Begins on page 259 for more information.) Your contributions are automatically deducted from your pay in equal installments. If you are enrolled for coverage but are away from work because of an unpaid leave of absence, you will be directly billed for your required contributions on an after-tax basis. If you do not pay the required contributions for coverage during an unpaid leave of absence, reinstatement of coverage upon your return to work may require evidence of insurability (EOI). How to Enroll You may enroll in the Life and AD&D Insurance Plans: When you re first eligible; or During annual enrollment In some instances, you may be able to make mid-year enrollment changes if you experience certain qualifying events. Enrolling When First Eligible If you are a salaried employee, you will receive your enrollment kit within two weeks after you are hired. If you are a hourly employee, you will receive your kit one month before you become eligible. You will have 30 days from the date on your Enrollment Worksheet to enroll. If you don t enroll and make choices about your Life and AD&D Insurance Plan options within this 30-day period, you will be assigned default coverage as follows: You will be enrolled in the Basic Employee Life and Basic AD&D insurance coverage options. You will not be enrolled in any of the Voluntary Life or Voluntary AD&D Programs. You will not be able to change your coverage until the next annual enrollment period. However, you may have an additional enrollment opportunity if you have a qualified status change. (See Making Mid-Year Enrollment Changes on page 256.) Enrolling for Coverage You can enroll in your Campbell benefits program online. Visit Campbell Benefits Center at to research the Plan options available to you. On your first visit, use the following information to login: User ID: Your Social Security number Password: Your month and day of birth (mmdd) Once logged in, you will be asked to set up: A new User ID and Password, and A security question in case you forget your password in the future. If you don t have access to a computer, you may call a Campbell Benefits Center representative at , Monday through Friday, 9:00 a.m. to 6:00 p.m. Eastern Standard Time. Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees) 255

6 Enrolling During Annual Enrollment Each year during the fall, Campbell holds annual enrollment. During this period, you can change your options and/or level of coverage for the coming plan year. Elections made during annual enrollment take effect on the following January 1 and remain in effect until December 31 of that same year. Generally, your current elections automatically renew if you don t change them during annual enrollment. It is important that you review the options available to you along with any changes that may have been made so that you can choose the options that best meet your needs. After you enroll, Campbell Benefits Center will mail you a Confirmation of Enrollment (COE) statement. Please review this statement carefully to make sure it accurately shows the elections you made. You may not change your elections during the year unless you experience a qualified status change. Making Mid-Year Enrollment Changes The coverage you elect under the Campbell Life and AD&D Insurance Plans will remain in effect from January 1 (or the date you begin participation) through December 31. Generally, you can make changes only during the annual enrollment period; benefit elections made during the annual enrollment period are effective January 1 of the following year. However, because your needs may change when you experience certain life events, you may be allowed to make mid-year enrollment changes in certain situations in accordance with Internal Revenue Code and as permitted by the Plan Administrator. Qualified Status Change A qualified status change is an event that may allow you to make certain mid-year changes to your coverage. Changes to your coverage must be consistent with the change in status. Generally, the event must affect your eligibility, your eligible spouse s/domestic partner s eligibility, or your eligible dependent child s eligibility for coverage under an employer plan (including plans of other employers). Under the Campbell Life and AD&D Insurance Plans, qualified status changes are as follows: Marriage or divorce; Birth or adoption of a child; Placement of a child for adoption; A child ceases to be an eligible dependent; You or your covered dependents gain or lose coverage; or Death of a family member. How to Make Changes You have 31 days from the date of the qualified status change to enroll in or make a coverage change. If you don t make changes within this 31-day period, you can t enroll for coverage until the next annual enrollment period. To make a change, visit Campbell Benefits Center at or call at Changes Must Be Consistent with Your Change in Status Keep in mind that most of the changes you make to your coverage must be consistent with the change in your status. 256 Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees)

7 To meet Internal Revenue Service (IRS) regulations and Plan requirements, Campbell reserves the right at any time to request written documentation of any event and/or to determine the effective date of the change. The Plan Administrator also will determine whether a requested change is due to an allowable event during the year and satisfies the appropriate rules. You may be required to provide proof of eligibility at any time by Campbell or MetLife. You and/or your eligible dependents may need to satisfy certain evidence of insurability (EOI) requirements for the Voluntary Life Insurance Plan, as determined by MetLife, before coverage due to a qualified status change can begin. Your coverage will begin on the qualifying event date or the date MetLife approves EOI, if EOI is required. In addition, you must be actively-at-work on the effective date of your coverage. Designating a Beneficiary Actively At Work When you enroll in any of the Life and AD&D Insurance Plans, you need to name a beneficiary for your benefit, in the event of your death. You may name any person (or persons) you wish to be the beneficiary who receives the benefit payment. Visit Campbell Benefits Center at or call at to name your beneficiary. If there is no designated beneficiary, then the amount for which there is no beneficiary shall be payable in one sum as follows: To your wife or husband, if living at the time of your death; If not living, to your surviving children equally; If none survives, to your surviving parents, equally; If neither survives, to your surviving brothers and sisters, equally; If none survives, to your estate. Under the AD&D Insurance Plan, if a covered dependent dies due to a covered accident, or incurs a covered dismemberment loss, benefits are payable to you, if living, otherwise to the beneficiary or as described above. You may choose one or more beneficiaries for your life insurance benefit(s). If you elect multiple beneficiaries and the percentage of the benefit amount to be paid to each is not designated, payments will be made in equal shares. If you do not have access to a computer, you need to contact Campbell Benefits Center at to name your beneficiary. You may change your beneficiary at any time. Please note: In general, life insurance proceeds which are paid to a designated beneficiary are not included in the beneficiary s federal taxable income. Some exceptions may apply. In addition, other taxes, such as estate taxes, may be applicable. Individuals may want to consult with their tax advisor regarding the proper tax treatment of the payment. You must be present at work on the day your coverage begins. If you are absent, your coverage will not begin until you return to work. Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees) 257

8 Beneficiary for Spouse/Domestic Partner and/or Dependent Child Life Coverage You (the employee) are automatically the beneficiary of voluntary spouse/domestic partner and/or dependent child life insurance. If you and your spouse/domestic partner/covered child die at the same time or your spouse/domestic partner/covered child dies within 24 hours of your death, benefits under this Insurance Plan will be paid to your estate. In any other instance, the benefits will be paid to one or more of the following persons who are related to and survive your spouse/domestic partner/covered child: Parent; Child; Brother and sister. If there is no surviving relative, the benefit will be payable to your spouse/domestic partner/covered child s estate. Evidence of Insurability Evidence of Insurability (EOI) is proof of good health for you and/or your eligible dependents. Depending on your voluntary life insurance coverage election, you may be required to provide EOI. There are no EOI requirements for AD&D insurance. In some cases, you must provide EOI that is, proof of good health before voluntary, or additional voluntary, life insurance coverage can begin. (Because your basic employee life insurance and basic AD&D insurance coverages are paid for by Campbell, EOI isn t required for these coverages.) Voluntary life insurance coverage for yourself. If you enroll for voluntary employee life insurance coverage, you must provide EOI if: You enroll for coverage when you are first eligible for coverage equal to more than 3 your annual base pay or $600,000, whichever is less (see the Life Insurance section for the definition of annual base pay ); or You enroll in or increase your coverage during a subsequent annual enrollment or after a qualifying event. Voluntary life insurance coverage for your spouse/domestic partner. If you enroll for voluntary spouse/domestic partner life insurance coverage, EOI is required if: You enroll your spouse/domestic partner for coverage of more than $20,000; or You increase your spouse s/domestic partner s coverage to an amount more than $20,000 during a subsequent annual enrollment or after a qualifying event. If EOI is required, you must, at your own expense, complete a Statement of Health questionnaire and, in some instances, you may need to take a physical exam. Voluntary coverage for which EOI is required will not become effective until the EOI form is completed and approved by MetLife. To obtain an EOI form, log on to Campbell Benefits Center at and click on print claim forms. 258 Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees)

9 Special Coverage Limitations Evidence of your spouse s/domestic partner s and/or child s good health must be given to MetLife before coverage becomes effective if on the date your spouse/domestic partner and/or child would become covered by the Life Insurance Plan, he or she: Has been hospitalized in the last three months prior to the date you make a request for this coverage; Is then confined to a hospital; or Is not then able to perform normal duties (i.e., is confined at home under the care of a doctor for a sickness or injury; or is receiving and or entitled to receive any disability income from any sources due to any sickness or injury). If You Do Not Enroll If You: Are a Current Participant in the Life and AD&D Insurance Plans Are a Newly Hired or Newly Eligible Employee Have a Qualified Status Change What Happens If You Do Not Enroll: If you re already participating in the Plans and do not change your elections or cancel coverage during the annual enrollment period, you ll keep the same coverage for the following plan year. However, you ll be subject to any changes in the plan and coverage costs. If you re a new hire or newly eligible employee and do not enroll within the designated 30-day period, you will be assigned default coverage. See Enrolling When First Eligible on page 255 for more information. If you have a qualified status change that allows you to make a change mid-year and you do not enroll within the designated 31-day eligibility period, you will have to wait until the next annual enrollment period to make any changes. Please see Making Mid-Year Enrollment Changes on page 256 for more information. When Coverage Begins If You: Are a Current Participant in the Life and AD&D Insurance Plans Are a Newly Hired or Newly Eligible Employee When the Coverage You Elect Begins: The coverage you elect during the annual enrollment period takes effect the beginning of the following plan year (January 1). The coverage you elect as a new hire, or newly eligible employee, takes effect as follows: If you are a salaried eligible employee, coverage begins on your date of hire. If you are a hourly eligible employee, coverage begins on the day following 90 days from your date of hire. Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees) 259

10 If You: Experience a Qualified Status Change When the Coverage You Elect Begins: The coverage you elect as a result of a qualified status change (such as marriage, divorce, or the birth or adoption of a child, etc.) will take effect as of the day of the qualifying event, if you have already met the Plan s eligibility requirements and if you make any eligible benefits changes through Campbell Benefits Center within 31 days of the event. If you miss the 31-day deadline, you will have to wait until the next annual enrollment period to make any changes. Important Note If your election requires you to provide Evidence of Insurability (EOI), the portion of your requested coverage that requires EOI will not begin until the EOI is approved. See Evidence of Insurability on page 258 for more information. When Coverage Begins For Your Covered Dependents If you enroll an eligible dependent for life insurance coverage, coverage begins on the latest of the following: The date your dependent is eligible for coverage; or The date your eligible spouse s/domestic partner s and/or dependent s EOI form is approved, if EOI is required. Coverage for a newborn child will not be effective until the child is 15 (or over 14) days old. You must apply for coverage within 31 days after the child s birthdate. If your spouse/domestic partner or dependent child is confined at home or in the hospital in the last three months for medical care or treatment on the date he/she otherwise would be eligible for insurance (or any change in insurance), his/her coverage will be delayed until he/she is no longer home or hospital confined. Evidence of good health must be provided to the insurance company before coverage becomes effective. (See Eligibility on page 253 for information about who qualifies as an eligible dependent and Evidence of Insurability on page 258 for information about EOI requirements.) Important Note Coverage for a newborn child will not be effective until the child is 15 days old. You must apply for coverage within 31 days after the child s birthdate. Coverage Under Special Circumstances If You Become Disabled Before Your 60 th Birthday If you become totally disabled due to bodily injury or disease before your 60 th birthday while your basic employee life insurance coverage is in effect, Campbell will continue to pay the premium, and your coverage will remain in effect up to age 65 as long as you continue to be deemed totally disabled by MetLife in accordance with the plan provisions. You are required to provide proof of your disability to MetLife when requested. Subsequent proof must be given at least annually thereafter. 260 Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees)

11 If You Become Disabled On or After Your 60 th Birthday If you become totally disabled due to bodily injury or disease on or after your 60 th birthday while your coverage is in effect, but before you retire, Campbell will continue to pay the premium and basic employee life insurance will remain in effect for up to one year from the date you become totally disabled. When Coverage Ends Generally, your life and AD&D insurance coverage ends on the earliest of the following dates: Midnight on the last day of the calendar month in which your employment ends (whether voluntary or involuntary); Midnight on the last day of the calendar month in which you otherwise no longer meet the eligibility requirements for coverage; Midnight on the last day of the calendar month for which you have paid any required contributions, if the Plan receives notice that you ve stopped making the necessary contributions; or The day Campbell discontinues the Plan. Generally, your dependents life insurance coverage ends the earliest of the following dates: The day your coverage ends (as described in this section) For your spouse/domestic partner, midnight on the last day of the calendar month you divorce your spouse or end your domestic partnership; For your dependent child(ren), midnight on the last day of the calendar year in which your unmarried dependent child reaches age 19, or if a full-time student, age 23; Midnight on the last day of the calendar month in which your covered dependent child, age 19 to 23, is no longer a full-time student (a child is considered to be a full-time student during vacation periods only if they are scheduled to enter school on the next academic enrollment date); The day you retire; The day of your death. Continuing Coverage Conversion Rights When your basic life insurance coverage, and/or your dependent s life insurance coverage ends, or if you retire and your basic life insurance coverage reduces, you have the right to convert your insurance to an individual policy. The maximum amount of coverage that may be converted is the amount of coverage that was terminated or, if you retire, the amount of basic life insurance coverage that was reduced, but a lower amount may be converted if you wish. You are not required to have a medical exam to convert to an individual policy. To convert your basic life insurance and/or your dependent s life insurance coverage to an individual policy, you must complete and submit your conversion form(s) along with the first premium payment to the insurance company within 31 days from the date when the coverage ended or was reduced. If you do not submit your conversion form(s) and premium payment within this 31-day period, your conversion rights will terminate. If You Die If you die during the 31 days before your insurance coverage is continued, your beneficiary will receive a lumpsum payment of the amount you were entitled to convert, even if you didn t convert your coverage. Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees) 261

12 Once your basic life and/or your dependent s life insurance coverage has ended, MetLife will send you information for converting coverage to an individual policy. Contact MetLife at for applicable limits on the amount of insurance that can be converted per the insurance regulations of the state in which you reside. Conversion rights apply to life insurance coverage only; there are no conversion rights for AD&D insurance. Continuing Coverage Portability Provision When your voluntary employee life insurance coverage ends, you may use the Plan s portability feature to continue voluntary employee life coverage at group rates. Although these rates may be somewhat higher than those available to active employees - they are generally lower than individual policy rates. The maximum amount of voluntary employee life insurance that can be continued through the portability provision is the lesser of: The total amount of your voluntary employee life insurance in effect immediately prior to the date it ended; and $1,000,000. You are not required to have a medical exam in order to continue insurance through the portability feature. To continue your voluntary employee life insurance through the portability provision, your completed request form and your first premium payment must be received by the insurance company within 31 days from the date when the coverage ended. If your completed form and premium payment are not received within this 31-day period, your portability privileges will terminate. Once your voluntary employee life insurance coverage has ended, MetLife will send you information for porting coverage. Contact MetLife at if you are interested in continuing coverage through the portability provision. The Plan s portability feature applies to voluntary employee life insurance only. The portability feature does not apply to voluntary spouse/domestic partner or dependent life insurance, basic life insurance or any AD&D insurance. Assignment of Rights You may transfer ( assign ) the ownership of most Life and AD&D Insurance Plans to a specifically named person. If You Die If you die during the 31 days before your insurance coverage is continued through the portability feature, your beneficiary will receive a lumpsum payment of the amount you were entitled to port, even if you didn t apply for portable coverage. For More Information If you have questions about the continuation of employee voluntary life insurance contact Campbell Benefits Center at You may not assign voluntary spouse/domestic partner/dependent child(ren) life insurance. You are the owner of elected coverage and you cannot assign your ownership. Generally, assignment is limited to a spouse/domestic partner, child, other dependent, or to a trust. When you make an assignment, you transfer all your rights in the policy to the person receiving the assignment. Assignment is permanent and cannot be revoked by you. An assignment must be accepted in writing by the Plan Administrator and MetLife. If you are considering making an assignment of your basic employee life insurance, you may want to obtain the advice of an attorney or an estate planner before making your final decision. If you wish to proceed, contact Campbell Benefits Center at Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees)

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