Plan highlights

EMPLOYER-PAID & EMPLOYEE-PAID LONG TERM DISABILITY INSURANCE Protect your income while coping with a long-lasting disability. Your employer provides up to $240 per month of disability insurance for all eligible subscribers. Employee-paid disability insurance helps replace more of your income than employer-paid disability insurance alone. When you become eligible for bene昀椀ts, you are automatically enrolled in employee- paid disability insurance at the 60% income replacement level. You may choose to enroll at the 50% income replacement level or opt out of employee-paid disability coverage at any time. Evidence of Insurability is required at any coverage level to reenroll after declining employee-paid coverage or reducing your coverage level. Long Term Long Term Disability You can get help Disability insurance can help pay the returning to work when Insurance bills if you become disabled and you’re ready. This Long can’t work for an extended period. Term Disability insurance coverage helps protect That could be a few months or includes incentives and assistance your income if several years. This coverage helps to help you get back to work. The replace part of your paycheck. That Standard may also help pay the you can’t work can help you protect your lifestyle costs of modifying your workplace and don’t get and savings. to accommodate your needs. your regular paycheck. Long-term disabilities can be caused by accidents but also by illnesses such as cancer and heart diseases. How many paychecks could you afford to miss? Long Term Disability insurance can help you maintain your lifestyle and pay for things like: Housing Groceries Car Insurance College Tuition Costs The Standard 1 Group Buy-Up Long Term Disability Insurance

Long Term Disability Insurance What Your Bene昀椀t Provides Employer-paid insurance provided Employee-paid insurance you can This is the amount per month you would by your employer at no cost to you change or opt out receive if you were to experience a qualifying disability. Eligible earnings 60% of the 昀椀rst $400 of your 60% of the 昀椀rst $16,667 of your are your monthly insured predisability predisability earnings, up to a predisability earnings, up to a earnings, as de昀椀ned by the group policy. maximum bene昀椀t payment of $240 maximum bene昀椀t payment of $10,000 Your monthly bene昀椀t will be reduced per month. per month. by deductible income. Please see the Important Details section for a list of Plan minimum per month: $100 Plan minimum per month: $100 deductible income sources. or 10% of the disability insurance or 10% of the disability insurance bene昀椀t, whichever is greater. bene昀椀t, whichever is greater. You will be automatically enrolled for the 60% plan. Premiums will be deducted OR from your earnings. At any time, you may elect to not participate by declining 50% of the 昀椀rst $16,667 of your insurance under the 60% plan. predisability earnings, up to a maximum bene昀椀t payment of $8,333 If you decline insurance under the 60% per month. plan, you may instead be insured under the 50% plan. The 50% plan requires premium Plan minimum per month: $100 contributions from you. or 10% of the disability insurance bene昀椀t, whichever is greater. If you also decline insurance under the 50% plan, you will automatically be insured for employer-paid insurance. Your employer will pay premium for employer-paid insurance. When Your Bene昀椀ts Begin Your bene昀椀t waiting period under all Long Term Disability insurance plans is the If you experience a qualifying disability, longest of the following: your bene昀椀t waiting period is the length of time you must be continuously a) 90 days disabled before you can begin receiving b) The entire period of sick leave (excluding shared leave) for which you are your monthly bene昀椀t. eligible c) The Fractionated Period of Paid Time Off (PTO) for which you are eligible, if your employer has a PTO plan, as those terms are de昀椀ned in the policy d) The entire period of other non-vacation salaried continuation leave for which you are eligible e) The end of Washington Paid Family and Medical Leave Law for which you are receiving bene昀椀ts How Long Your Bene昀椀ts Last Depending on your age at the time of disability, your bene昀椀ts are subject to the This is the maximum length of time you maximum bene昀椀t period. Refer to the table in the Important Details section. could be eligible to receive disability bene昀椀ts for a continuous disability. See the Important Details section for more information, including requirements, exclusions, limitations and de昀椀nitions. The Standard 2 Group Buy-Up Long Term Disability Insurance

Additional Features Help With Returning To Work This plan provides incentives to help you get back to work. For instance, you’ll get help paying for some of the expenses associated with participating in an approved rehabilitation plan. Expense Bene昀椀t If a worksite modi昀椀cation would enable you to return to work, the coverage can help your employer make approved modi昀椀cations. Rehabilitation Incentive Bene昀椀t You may also be eligible to receive an additional bene昀椀t of 10% of your predisability earnings for participating in an approved rehabilitation plan, subject to the plan maximum. Survivors Bene昀椀t If you die while receiving bene昀椀ts, your survivor may be eligible to receive a one-time additional payment. The Standard 3 Group Buy-Up Long Term Disability Insurance

Rates Evaluate What Makes Sense For You. How Much Your Coverage Costs Getting by without a paycheck isn’t easy, especially Your employer-paid Long Term Disability insurance for an extended period of time. Make sure you have costs you nothing. With employee-paid coverage, enough 昀椀nancial protection to help you with housing you’ll have access to competitive group rates that costs, utilities and other bills. may be more affordable than those available through individual insurance. You’ll also have the convenience Your employer provides a basic level of disability of having your premium deducted directly from your insurance for all eligible subscribers. Will that be paycheck. enough for you? Think about your ongoing expenses and how much income you’ll need to replace. When Your premium cost for employee-paid Long Term you become bene昀椀ts eligible, you are automatically Disability insurance depends on your insured monthly enrolled in employee-paid disability insurance that will earnings, whether you are enrolled in the 60% or help replace more of your income. 50% plan, and whether you participate in the Higher Education Retirement Plan. For help 昀椀guring out your insurance needs, use our online calculator at standard.com/disability/needs. Premium Rates: Long Term Disability Insurance for Members Employer-Paid Insurance: $2.10 monthly per member insured under the group policy. Note: Premium payment for employer-paid insurance is required by the employer for all insured members, regardless of enrollment in employee-paid insurance. Employee-Paid Insurance: Higher Education Retirement Plan 60% Plan: 0.531% monthly of the 昀椀rst $16,667 of each insured member’s predisability earnings 50% Plan: 0.315% monthly of the 昀椀rst $16,667 of each insured member’s predisability earnings All Other Members 60% Plan: 0.423% monthly of the 昀椀rst $16,667 of each insured member’s predisability earnings 50% Plan: 0.252% monthly of the 昀椀rst $16,667 of each insured member’s predisability earnings The Standard 4 Group Buy-Up Long Term Disability Insurance

Important Details Maximum Bene昀椀t Period Evidence of Insurability will be required to re-enroll in any plan If you become disabled at age 61 or earlier, Long Term Disability after opting out of that plan. Please contact your payroll or insurance bene昀椀ts may continue to age 65 or to Social Security bene昀椀ts of昀椀ce for more information regarding the requirements Normal Retirement Age (SSNRA) or 42 months, whichever is that must be satis昀椀ed for your insurance to become effective. longest. If you become disabled at age 62 or older, the bene昀椀t duration is determined by the age when disability begins: De昀椀nition of Disability For the bene昀椀t waiting period and the 昀椀rst 24 months that Long Age Maximum Bene昀椀t Period Term Disability bene昀椀ts are payable, you will be considered disabled if, as a result of physical disease, injury, pregnancy or 61 or To age 65, or to SSNRA, or 3 years 6 months, mental disorder: younger whichever is longest 62 To SSNRA, or 3 years 6 months, whichever is longer • You are unable to perform with reasonable continuity 63 To SSNRA, or 3 years, whichever is longer the material duties of your own occupation 64 To SSNRA, or 2 years 6 months, whichever is longer • You are partially disabled if you are working in your 65 2 years own occupation, but as a result of sickness, injury or 66 1 year, 9 months pregnancy, you are unable to earn more than the own 67 1 year, 6 months occupation income level (80% of indexed predisability 68 1 year, 3 months earnings) 69 or 1 year older You are not considered disabled merely because your right to perform your own occupation is restricted, including a restriction Social Security Normal Retirement Age (SSNRA) means your or loss of license. normal retirement age under the Federal Social Security Act, as amended. During the Any Occupation Period: • After the own occupation period of disability, you will be Exclusions considered disabled if, as a result of a physical disease, Subject to state variations, you are not covered for a disability injury, pregnancy or mental disorder, you are unable to caused or contributed to by any of the following: perform with reasonable continuity the material duties of any • Your committing or attempting to commit an assault or occupation. felony, or your active participation in a violent disorder • You are partially disabled if you are working in an occupation or riot but, as a result of sickness, injury or pregnancy, you are • An intentionally self-in昀氀icted injury, while sane or insane unable to earn more than the any occupation income level • War or any act of war (declared or undeclared, and any (60% of indexed predisability earnings) in that occupation substantial armed con昀氀ict between organized forces of and in all other occupations for which you are reasonably a military nature) suited under the any occupation de昀椀nition of disability. • The loss of your professional or occupational license or certi昀椀cation • A preexisting condition or the medical or surgical treatment of a preexisting condition unless on the date you become disabled, you have been continuously insured for 12 months and you have been actively at work for at least one full day after the end of the 12 months The Standard 5 Group Buy-Up Long Term Disability Insurance

Preexisting Condition Provision A preexisting condition is a mental or physical condition whether • You fail to provide proof of continued disability and or not diagnosed or misdiagnosed during the 90-day period just entitlement to bene昀椀ts before your Long Term Disability insurance becomes effective: • You pass away • For which you have consulted a physician or other licensed medical professional; received medical Deductible Income treatment, services or advice; undergone diagnostic Your bene昀椀ts will be reduced if you have deductible income, procedures, including self-administered procedures; or which is income you receive or are eligible to receive while taken prescribed drugs or medications receiving Long Term Disability insurance bene昀椀ts. Deductible income includes: • Which, as a result of any medical examination, including routine examination, was discovered or suspected • If your employer does not have a PTO plan, any sick pay, shared leave, annual or personal leave pay, A separate preexisting condition exclusion applies to the 60% severance pay, or non-vacation salary continuation, and 50% plans of employee-paid insurance. However, if you including donated amounts. If your employer has a PTO increase your plan selection from the employer-paid plan to the plan, your Fractionated Period Of Paid Time Off. 50% plan, or the 50% plan to the 60% plan, and LTD bene昀椀ts • Bene昀椀ts under any workers’ compensation law or are not payable under the new plan because of the preexisting similar law condition exclusion, your claim will be administered as if you had • Amounts under unemployment compensation law not changed plans. • Social Security disability or retirement bene昀椀ts Limitations • Amounts because of your disability from any other Long Term Disability insurance bene昀椀ts are not payable for any group insurance period when you are: • Any disability or retirement bene昀椀ts you receive under your employer’s retirement plan, including a public • Not under the ongoing care of a physician in the employee retirement system, and a plan arranged and appropriate specialty, as determined by The Standard maintained by a union or employee association for the • Not participating in good faith in a plan, program or bene昀椀t of its members course of medical treatment or vocational training or • You are not required to apply for disability or early education approved by The Standard, unless your retirement bene昀椀ts under your employer’s retirement disability prevents you from participating • Con昀椀ned for any reason in a penal or correctional plan if the receipt of such bene昀椀t would reduce the institution bene昀椀t you would be eligible to receive at normal • Able to work during the own occupation or any retirement age. However, disability or early retirement occupation periods and earn at least 20% of your bene昀椀ts you do receive will be deductible income. indexed predisability earnings, but you elect not to work • If the receipt of such bene昀椀t would not reduce the bene昀椀t you would be eligible to receive at normal In addition, the length of time you can receive Long Term retirement age, then disability or early retirement Disability insurance payments will be limited if: bene昀椀ts you receive or are eligible to receive will be deductible income. • You reside outside of the United States or Canada • Bene昀椀ts under any state disability income bene昀椀ts law • Your disability is caused or contributed to by mental or similar law disorders • Earnings from work activity while you are disabled, plus the earnings you could receive if you work as much as When Your Bene昀椀ts End your disability allows Your Long Term Disability insurance bene昀椀ts end automatically • Earnings or compensation included in your predisability on the date any of the following occur: earnings which you receive or are eligible to receive while Long Term Disability insurance bene昀椀ts are • You are no longer disabled payable • Your maximum bene昀椀t period ends • Amounts due from or on behalf of a third party because • Bene昀椀ts become payable under any other disability of your disability, whether by judgment, settlement or insurance plan under which you become insured other method through employment during a period of temporary • Any amount you receive by compromise, settlement or recovery other method as a result of a claim for any of the above Continued on next column The Standard 6 Group Buy-Up Long Term Disability Insurance

When Your Insurance Ends Your insurance ends automatically when any of the following occur: • The date the last period ends for which a premium was paid • The last day of the calendar month in which your employment terminates • The date the group policy terminates • The date you cease to meet the eligibility requirements (insurance may continue for limited periods under certain circumstances) • The date your employer ends participation in the group policy Group Insurance Certi昀椀cate If coverage becomes effective and you become insured, you will receive a group insurance certi昀椀cate containing a detailed description of the insurance coverage, including the de昀椀nitions, exclusions, limitations, reductions and terminating events. The controlling provisions will be in the group policy. The information present in this summary does not modify the group policy, certi昀椀cate or the insurance coverage in any way. The Standard 7 Group Buy-Up Long Term Disability Insurance

For more than 100 years, we have been dedicated to our core purpose: to help people achieve 昀椀nancial well-being and peace of mind. Headquartered in Portland, Oregon, The Standard is a nationally recognized provider of group employee bene昀椀ts. To learn more about products from The Standard, visit us at standard.com. The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company. Standard Insurance Company 1100 SW Sixth Avenue Portland OR 97204 GP190-LTD/S399, GP399-LTD/TRUST, GP899-LTD, Contract 2000 377661-B SI 20354 (8/24) The Standard 8 Group Buy-Up Long Term Disability Insurance