What is Combined? Starting on Day One. Coverage Highlights Inside!

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1 Combined Insurance through the Trust pays cash direct to you. On-the-job. Off-the-job. Any time. Any day. No activity excluded. Coverage Kicks In: Any outpatient surgery. (Even one stitch counts.) or Any fracture. or Confinement to the hospital overnight as an inpatient. Starting on Day One. This is paid in addition to any other benefits provided by any other insurance policy, workers compensation or Social Security. Coverage Highlights Inside! WE DO COVER YOU BY: What is Combined? Good question. Combined Insurance is a supplemental policy that helps cover the money gap left from any other coverage you may have. Combined pays cash DIRECTLY TO YOU or to whomever you choose, and PAID IN ADDITION to benefits provided by any other insurance policy, workers compensation, or social security. This is money you can use however you see fit. Groceries. Car payment. Mortgage or rent. School. You get the picture. Health insurance may pay the doctor, but it does nothing towards your other bills. HOW DOES IT WORK? Combined has two kinds of coverage, Accident and Sickness. Each is separate coverage, but both work in a similar fashion. Just like the name says, one pays benefits for loss from accident, the other from sickness. IS COMBINED AFFORDABLE? Coverage for both plans comes in two levels, half-unit and full-unit. Basically if you want to save a little money you can by half the benefit for half the cost. This means you can have Accident coverage for as low as $3 a week. Being struck, knocked down, or run over. Driving or riding in ANY automobile, bus, taxicab, truck, or any farm machinery! We EVEN cover you on a motorcycle, bicycle, in a boat or ANY recreational vehicle. Flying or riding in ANY aircraft (private or commercial). At the hands of ANY burglar, robber, or by personal assault. We cover you by drowning. Fire or smoke inhalation. Hunting, fishing, or camping, while participating in ANY sporting event or recreational activity. In other words, regardless of your trade or profession, we cover you if you are hurt AT HOME, AT WORK, AT PLAY OR ANY ACTIVITY WHATSOEVER 24 HOURS... 7 DAYS A WEEK DAYS A YEAR. Pricing for the Sickness coverage varies by age, but is also available in half and full levels. WHAT ABOUT GOLD SHIELD? Combined works in addition to Gold Shield, and together that s a strong 1-2 punch. Combined Insurance is an official partner of the CCPOA Benfit Trust Fund. Their benefit representatives visit Institutions across the state on our behalf.

2 HALF UNIT $3.00 WEEK Part 1: In The Hospital Combined Coverage BENEFITS AND COVERAGE What it Covers FULL UNIT $6.00 WEEK $1, $ Should any accident require CONFINEMENT IN A HOSPITAL overnight as an inpatient, we pay beginning with the very first day. Or if you wish to, you can do as most people do and take the Full Unit and receive a wonderful income month after month after month... even for the rest of your life while confined in a hospital. Should you be confined in an INTENSIVE CARE UNIT one day or more from any accident, we will pay an additional lump sum benefit. $ $3, $1, JUST A REMINDER: TO COLLECT BENEFITS FOR HOSPITAL CONFINEMENT OR INTENSIVE CARE, YOU MUST BE CONFINED. Part 2: Recovery Income UP TO $ (6 MONTHS MAXIMUM) NOW, HERE IS SOMETHING THAT YOU WILL FIND IN VERY FEW POLICIES AVAILABLE TODAY. FOLLOWING HOSPITAL CONFINEMENT overnight as an inpatient, OUTPATIENT SURGERY, or treatment for FRACTURES, there is usually a recovery period. Should that happen, we will continue to pay you an income at home, while you are totally disabled, for up to six (6) consecutive months. UP TO $1, (6 MONTHS MAXIMUM) THIS RECOVERY BENEFIT IS PAYABLE TO YOU WHILE YOU RE RECOVERING AT HOME OR ANYWHERE! Part 3: Medical Treatment $75.00 $25.00 If, because of any accident, you require EMERGENCY TREATMENT at a hospital emergency room within 48 hours of the accident, we pay a benefit of... In addition to all of this, for minor injuries such as cuts, burns, or bruises caused by any accident, we will even pay an income benefit for TREATMENT BY A PHYSICIAN at a hospital, doctor s office, clinic or elsewhere. $150.00

3 & What it Costs $25,000 $12,500 And as an ADDED FEATURE to this coverage... If you sustain an injury, which results in the LOSS of your LIFE, SIGHT in both eyes or multiple LIMBS, we would pay an amount of... If an injury results in the loss of one limb or the loss of sight in one eye, we would pay an amount of... Part 4: AD&D Benefit $50,000 $25,000 ONLY ONE BENEFIT AMOUNT, THE HIGHEST, WILL BE PAID FOR MULTIPLE INJURIES RESULTING FROM ONE AND LOSS MUST OCCUR WITHIN 180 DAYS FROM THE DATE OF THE THAT CAUSED THE INJURY. Part 5: Inflation Fighters In order to help protect against higher costs, both premiums and benefits increase 5% each year for the first ten years your policy is in force, up to a maximum increase of 50% from the original amounts. This policy is absolutely NON-CANCELLABLE, GUARANTEED RENEWABLE for the REST OF YOUR LIFE... That means your right to renew this policy is guaranteed for your lifetime as long as the scheduled premium is paid. We CANNOT CHANGE THE PREMIUMS SHOWN IN THE SCHEDULE OF,PREMIUMS AND BENEFITS and WE CANNOT CANCEL YOUR POLICY regardless of your age, health condition, or the number of claims you file. HALF UNIT $13.00 MONTH $3.00 WEEK THE ENTIRE COST IS ONLY FULL UNIT $26.00 MONTH $6.00 WEEK

4 Part 1: LOSS OF TIME FOR EMERGENCY ROOM TREATMENT Combined SICKNESS Coverage What it Covers HALF UNIT BENEFITS AND COVERAGE FULL UNIT SICKNESS If, because of a covered sickness, you require emergency treatment at a hospital affiliated emergency care facility we pay a benefit of for each sickness on the Half Unit; $ on the Full Unit. $ SICKNESS SICKNESS MONTHLY PREMIUMS ISSUE AGE HALF UNIT FULL UNIT 6 mos.-19 yrs $ 8.50 $ $14.00 $ $19.50 $ $27.00 $ $37.00 $ $44.00 $88.00 Of course, PRE-EXISTING CONDITIONS ARE NOT COVERED DURING THE FIRST YEAR YOU HAVE THIS POLICY. Pre-existing condition means a bodily illness or disease which was diagnosed or treated by a physician within the 12 months preceding the issue date of the policy. However, we do cover you for ANY OTHER SICKNESS starting immediately. Take for example: Appendicitis, Ulcers, Gall Bladder, Respiratory, Kidney Problems, and Pneumonia or more serious conditions such as Cancer, Stroke, or Heart Trouble. Part 2: HOSPITAL CONFINEMENT INCOME BENEFIT $1, Should any covered sickness require confinement in a hospital overnight as an inpatient, we pay a day starting with the very first day, or $1, a month. Or if you wish to, you can do as most people do and take the Full Unit and receive a wonderful income of $ a day while hospitalized. In other words, up to $3, a month... month after month after month even for the rest of your life while confined in a hospital. $ $3, $ DAILY INTENSIVE CARE INCOME BENEFIT In the event of a serious sickness it is sometimes necessary to be confined in an intensive care unit. Should this occur, for each day you are confined in an intensive care unit, we will pay an additional benefit of $ a day on the Half Unit; $ a day on the Full Unit. $ JUST A REMINDER: TO COLLECT BENEFITS FOR HOSPITAL CONFINEMENT OR INTENSIVE CARE, YOU MUST BE CONFINED.

5 & What it Costs Part 3: TOTAL DISABILITY INCOME FOLLOWING HOSPITAL CONFINEMENT OR OUTPATIENT SURGERY $25.00 UP TO 6 MONTHS NOW, HERE IS SOMETHING THAT YOU WILL FIND IN VERY FEW POLICIES AVAILABLE TODAY. Following hospital confinement overnight as an inpatient, or outpatient surgery; there is usually a recovery period. If, because of covered sickness, you are continuously totally disabled beginning within 30 days following a period of confinement in a hospital for which benefits are payable under Section B for such sickness, or outpatient surgery; we will pay you, while you remain totally disabled for up to a maximum of 6 consecutive months. UP TO 6 MONTHS THIS RECOVERY BENEFIT IS PAYABLE TO YOU WHILE YOU RE RECOVERING AT HOME OR ANYWHERE! Part 4: Inflation Fighters In order to help protect against higher costs, both premiums and benefits increase 5% each year for the first ten years your policy is in force, up to a maximum increase of 50% from the original amounts. This policy is absolutely NON-CANCELLABLE, GUARANTEED RENEWABLE to age 75 at which time it terminates. We CANNOT CHANGE THE PREMIUMS SHOWN IN THE SCHEDULE OF,PREMIUMS AND BENEFITS and WE CANNOT CANCEL YOUR POLICY regardless of your age, health condition, or the number of claims you file.

6 Don t put it off To find out more about Combined Insurance, or to apply contact Benefit Trust Representative: Joe Gonsalves or joseph.gonsalves@combined.com Don t Duck Around Remember, if you don t see the Towers, you don t have the Trust. Run by COs for COs. Accept No Substitutes.

7 Get to know Combined. Sooner is better. CCPOA Benefit Trust Fund In-Unit-6

8 We ve Got You Covered In-Unit CCPOA Benefit Trust Fund 2515 Venture Oaks Way, Suite 200 Sacramento, CA