Plan summary

Public Employee Benefits Board (PEBB) Program Retiree Term Life Insurance Overview Retiree Term Life insurance is a cost-effective way to protect your family and your finances. It helps ensure your short- and long-term financial obligations could be met if something unforeseen happens to you. Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Retiree Term Life Insurance Options You have the option to purchase Retiree Term Life Insurance. For You $5,000 up to $20,000, in $5,000 increments Retiree Term Life Coverage Information Enrollment in this Retiree Term Life insurance plan is available without providing medical information as long as: For New Retirees • The enrollment takes place within 60 days from the date you become eligible for retiree benefits • You are requesting coverage up to $20,000, in $5,000 increments * How to Enroll • Complete the MetLife Enrollment/Change form for Retiree plan and return it to the PEBB Program. Be sure to name your beneficiary on the form. You may access and update your beneficiary information any time using the MyBenefits website. It’s easy to use. Just go to mybenefits.metlife.com/wapebb. *All applications are subject to review and approval by Metropolitan Life Insurance Company. Based on the plan design and the amount of coverage requested, Evidence of Insurability may need to be submitted to complete your application, in which case MetLife will review your information and evaluate your request for coverage based upon your answers to the health questions, MetLife’s underwriting rules and other information you authorize us to review. In certain cases, MetLife may request additional information to evaluate your request for coverage. Who Can Be a Designated Beneficiary? You can select any beneficiary other than your employer for your Retiree Term Life coverage, and you may change your beneficiary at any time. You can also designate more than one beneficiary. You can name them online using the MyBenefits website (mybenefits.metlife.com/wapebb) or by calling 866-548-7139. A paper beneficiary designation form is also available on the MetLife microsite (metlife.com/wshca-retirees/documents). Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0823034637[exp0825][All States][DC,GU,MP,PR,VI]© 2023 MetLife Services and Solutions, LLC

1 Monthly Costs for Retiree Term Life Insurance Listed below are your monthly rates (based on your age as of December 31 of the year prior). Age Monthly Monthly Monthly Monthly Cost Cost Cost Cost $5,000 $10,000 $15,000 $20,000 Under 49 $0.87 $1.74 $2.61 $3.48 50 – 54 $1.34 $2.67 $4.01 $5.34 55 – 59 $2.50 $5.00 $7.50 $10.00 60 – 64 $3.84 $7.67 $11.51 $15.34 65 – 69 $7.38 $14.76 $22.14 $29.52 70 – 74 $11.97 $23.94 $35.91 $47.88 75 – 79 $19.41 $38.81 $58.22 $77.62 80 – 84 $31.43 $62.86 $94.29 $125.72 85 – 89 $50.90 $101.79 $152.69 $203.58 90 – 94 $82.45 $164.89 $247.34 $329.78 95+ $133.57 $267.14 $400.71 $534.28 *Note: rates are subject to the policy’s right to change premium rates, and the employer’s right to change retiree contributions. Legacy Retiree Term Life Insurance and Monthly Costs* Retirees who remained in the Policyholder’s $3,000 benefit plan prior to January 1, 2017. Listed below are Legacy Retiree rates (based on your age as of December 31 of the year prior). Age Legacy Retiree Coverage Monthly Cost of Legacy Coverage Under 65 $3,000 $7.75 65 – 69 $2,100 $7.75 70 + $1,800 $7.75 *Note: rates are subject to the policy’s right to change premium rates, and the employer’s right to change retiree contributions. SM MetLife Advantages 2 Beneficiary Claim Assistance (Delivering the Promise) For support when beneficiaries need it most This program is designed to help beneficiaries sort through the details and serious questions about claims and financial needs during a difficult time. MetLife has arranged for third party financial professionals to be available to help with filing life insurance claims, government benefits, and help with financial questions. 3 Total Control Account (TCA) For immediate access to death proceeds ® The Total Control Account (TCA) settlement option provides your loved ones with a safe and convenient way to manage the proceeds of a life claim payment of $5,000 or more, backed by the financial strength and claims paying ability of Metropolitan Life Insurance Company. TCA death claim payments relieve beneficiaries of the need to make immediate decisions about what to do with a lump- sum check and enable them to have the flexibility to access funds as needed while earning a guaranteed minimum interest rate on the proceeds as they assess their financial situations. Call 1-800-638-7283 for more information about options available to you. Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0823034637[exp0825][All States][DC,GU,MP,PR,VI]© 2023 MetLife Services and Solutions, LLC

Will Preparation4 To help ensure your decisions are carried out When you enroll for retiree term life coverage, you will automatically receive access to Will Preparation Services at no extra cost to you. Both you and your spouse/state-registered domestic partner will have unlimited in-person or telephone access to one of MetLife Legal Plans, Inc.’s nationwide network of 18,500+ participating attorneys for preparation of or updating a will, living will or power of attorney. * When you use a participating plan attorney, there will be no charge for the services.* Like life insurance, a carefully prepared will (simple or complex), living will and power of attorney are important. • A will lets you define your most important decisions, such as who will care for your children or inherit your property. • A living will ensures your wishes are carried out and protects your loved ones from having to make very difficult and personal medical decisions by themselves. Also called an “advanced directive,” it is a document authorized by statutes in all states that allows you to provide written instructions regarding use of extraordinary life-support measures and to appoint someone as your proxy or representative to make decisions on maintaining extraordinary life-support if you should become incapacitated and unable to communicate your wishes. • Powers of attorney allow you to plan ahead by designating someone you know and trust to act on your behalf in the event of unexpected occurrences or if you become incapacitated. Call 1-800-821-6400 and a Client Service Representative will assist you. * You also have the flexibility of using an attorney who is not participating in the MetLife Legal Plans, Inc. network and being reimbursed for covered services according to a set fee schedule. In that case you will be responsible for any attorney’s fees that exceed the reimbursed amount. Estate Resolution ServicesSM 4 (ERS) Personal service and compassion assistance to help probate your and your spouse’s/state-registered domestic partner’s estates. MetLife Estate Resolution ServicesSM provides probate services in person or over the phone to the representative (executor or administrator) of the deceased retiree’s estate and the estate of the retiree’s spouse/state-registered domestic partner. Estate Resolution Services include preparation of documents and representation at court proceedings needed to transfer the probate assets from the estate to the heirs and completion of correspondence necessary to transfer non-probate assets. ERS covers participating plan attorneys’ fees for telephone and face-to-face consultations or for the administrator or executor to discuss general questions about the probate process. WillsCenter.com5 Self-service online legal document preparation Retirees and spouses/state-registered domestic partners have access to WillsCenter.com, an online document service to prepare and update a will, living will, power of attorney, funeral directive, memorandum of wishes or HIPAA authorization form in a secure 24/7 environment at no additional cost. This service is available with all life coverages. Log on to www.willscenter.com to register as a new user. 6 Empathy Gives beneficiaries complimentary access to 24/7 support for challenges that the loss of a loved one brings, helping them save time, money, and stress. From settling the estate to dealing with grief, Empathy can offer guidance on a variety of topics to assist beneficiaries in navigating through the challenges that loss brings. Call 201-720-1584 to register via phone or visit join.empathy.com/metlife. Conversion For protection after your coverage terminates You can generally convert your group retiree term life insurance benefits to an individual whole life insurance policy if your coverage terminates in whole or in part due to termination of the group policy or change in eligible class. Conversion is available on all group life insurance coverages. If you experience an event that makes you eligible to convert your coverage, please call 1-877-275-6387 to begin the conversion process. Please contact MetLife for more information. If you have questions, call 1-866-548-7139. Visit www.metlife.com/wshca-retirees to find plan information, documents, and more! Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0823034637[exp0825][All States][DC,GU,MP,PR,VI]© 2023 MetLife Services and Solutions, LLC

1. Changes in Your Cost of Insurance Rates/Premium - The cost of insurance varies depending upon the amount of coverage, your age and benefits selected. Additionally, costs will increase as you get older. Your current rates are guaranteed until the policy renewal date. At the renewal date, rates will be recalculated and may change. Rates will also change and can increase if you leave your employer and choose to continue your coverage. 2. MetLife administers the Delivering the Promise program, and has arranged to have specially trained third-party financial professionals offer financial education. The financial professionals providing financial education are not affiliated with MetLife but are providing the program under a service provider contract. 3. Subject to state law, and/or group policyholder direction, the Total Control Account is provided for all Life and AD&D benefits of $5,000 or more. The assets backing the Total Control Account (TCA) are maintained in the general account of MetLife or the Issuing Insurance Company. These general accounts are subject to the creditors of MetLife or the respective Issuing Insurance Company. MetLife or the Issuing Insurance Company bears the investment experience of such assets and expects to earn income sufficient to pay interest to TCA Accountholders and to make a profit on the operation of the TCAs. Regardless of the investment experience of such assets, the effective annual rate on the Account will not be less than the rate guaranteed on the welcome guide. The TCA and other available settlement options are not bank products and are not insured by the FDIC or any other governmental agency. In addition, while the funds in your account are not insured by the FDIC, they are guaranteed by each state’s insurance guawww.NOLHGA.com or 703-481-5206) to learn more. FOR FURTHER INFORMATION, PLEASE CONTACT YOUR STATE DEPARTMENT OF INSURANCE. 4. Will Preparation and Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan General Insurance Company, Warwick, Rhode Island. For New York sitused or principally located cases, the Will Preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond Will Preparation. Tax Planning and preparation of Living Trusts are not covered by the Will Preparation Service. Certain services are not covered by Estate Resolution Services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/ or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters. 5. WillsCenter.com is a document service provided by SmartLegalForms, Inc., an affiliate of Epoq Group, Ltd. SmartLegalForms, Inc. is not affiliated with MetLife and the WillsCenter.com service is separate and apart from any insurance or service provided by MetLife. The WillsCenter.com service does not provide access to an attorney, does not provide legal advice, and may not be suitable for your specific needs. Please consult with your financial, legal, and tax advisors for advice with respect to such matters. WillsCenter.com is available to anyone regardless of affiliation with MetLife. 6. Empathy’s bereavement services and platform are provided through an agreement with The Empathy Project, Inc., (doing business as Empathy). Empathy is not an affiliate of MetLife, and the services Empathy provides are separate and apart from the insurance provided by MetLife. This program is available to beneficiaries, and insureds who are terminally ill and eligible to accelerate life proceeds under MetLife's Accelerated Benefit Option. Not available on all policy forms or in all jurisdictions. Empathy is only available to insureds and beneficiaries who are US residents. Information disclosed directly to Empathy is not disclosed to MetLife, and therefore is not subject to MetLife’s privacy policy. This summary provides an overview of your plan’s benefits. These benefits are subject to the terms and conditions of the contract between MetLife and WA State Health Care Authority PEBB and are subject to each state’s laws and availability. Specific details regarding these provisions can be found in the booklet certificate. Retiree Term Life coverage is provided under a group insurance policy (Policy Form GPNP16-WSHCA) issued to your employer by MetLife. Life coverages under your employer’s plan terminates, when your employment ceases, when your Retiree Term Life contributions cease, or upon termination of the group insurance policy. Should your life insurance coverage terminate for reasons other than non-payment of premium, you may convert it to a MetLife individual permanent policy without providing medical evidence of insurability. Nothing in these materials is intended to be advice for a particular situation or individual. Please consult with your own advisors for such advice. Like most group insurance policies, insurance policies offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact your benefits administrator or MetLife for costs and complete details. Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0823034637[exp0825][All States][DC,GU,MP,PR,VI]© 2023 MetLife Services and Solutions, LLC