b'Income ProtectionINCOME PROTECTIONCarnegie 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 can increase your election by up to $50,000 at open enrollment, without Evidence of Insurability (EOI), if you previously elected the benefit, provided the total election Supplemental amount does not exceed the guaranteed issue of $200,000. Any increase amount over $50,000 or Life Insurance amount that takes you over $200,000 requires the completion of the Evidence of Insurability form at https://www.guardiananytime.com/eoi/.For your spouse, you may purchase up to 50% of the amount you buy on your own life, up to $250,000 (in $25,000 increments). The spousal guaranteed life is $50,000. Any election above this requires EOI. You may purchase 10% of your elected amount up to $10,000 for each child. There is no guaranteed issue amount for 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 Insurance employees 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, not to exceed 10% of the Employee Supplemental Life Insurance Life amount. Long-Term CarnegieScienceprovidesbenefit-eligible employeeslong-termdisabilityincomecoverage Disability (LTD) should you 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)If you do not elect voluntary coverage during open enrollment in November, you can still elect coverage withthecompletionofmedicalunderwriting. For more information, tools and resources that can help you take better advantage of your employee benefits, visit www.guardiananytime.com22'