b'Income ProtectionINCOMEPROTECTIONCarnegie provides additional benefits to help protect your familys financial security in the event of illness, serious injury, or death.Basic Life Insurance Carnegie provides, at no charge*: all regular full-time employees a basic life insurance benefit in the amount of two times annual salary to a maximum of $200,000**.Regular full-time employees of Carnegie Science have the option to purchase additional life insurance. Employees are eligible for guaranteed issue of $50,000 at open enrollment. Any amount over $50,000 and up to $500,000 requires the completion of the Evidence of Insurability form at https://www. Supplemental guardiananytime.com/eoi/.Life Insurance For your spouse, you may purchase up to 50% of the amount you buy on your own life (in $25,000 incre-ments). You may purchase 10% of your elected amount up to $10,000 for each child. There is no guaranteed issue amount for a spouse or children and the Evidence of Insurability form will need to be completed.Basic AD&D Accidental Death and Dismemberment-Carnegie provides, at no charge*: all regular full-time employees Insurance a basic AD&D insurance benefit in the amount of two times annual salary to a maximum of $200,000**.Dependent Supplemental Up to $10,000 for each of your eligible children.Life InsuranceLong-Term Carnegie Science provides benefit-eligible employees long-term disability income coverage should you Disability (LTD) have a qualified disability and are unable to work. The benefit is 60%*** of your monthly income to a monthly maximum of $12,500. The guarantee issue amount is $10,000* This is a company-paid benefit** Employees pay tax on any amount over $50,000*** Age reductions applybased on Social Security Normal Retirement Age (SSNRA)I f you failed to elect voluntary coverage during open enrollment in November, you can still elect coverage with the completion of medical underwriting. For more information, tools, and resources that can help you take better advantage of your employee benefits,visit www.guardianlife.com25'