Sun Life: Long -Term Disability Summary of Benefits

Sun Life Assurance Company of Canada 2514719 SEQ4 CL1 03/04/2025 08:27:21 Long-Term Disability Insurance 800-247-6875 • sunlife.com/us Long-Term Disability Insurance COMMON CAUSES OF DISABILITY Musculoskeletal conditions Circulatory conditions Cancer Nervous system disorders Injuries BENEFITS Monthly benefit after your claim is approved You will receive a check for your benefits on a monthly basis. It will replace 60% of your Total Monthly Earnings, up to $6,000 each month. When benefits begin Benefits begin as soon as 140 days from the date of your disability. Benefits may be paid for Up to your Social Security Normal Retirement Age or longer, depending on your age at disability. Additional plan information This plan provides a benefit for covered disabilities resulting from illness or injury that occur on or off the job. HELPS YOU KEEP YOUR LIFE ON TRACK. If you’re unable to work because of a covered disability, Long-Term Disability insurances replaces a portion of your income. After your claim is approved, you will receive a monthly check for your benefits that helps you pay everyday expenses like your mortgage or rent, childcare and groceries. HELPS YOU RETURN TO WORK. If you are able, Sun Life has benefits and services, including guidance from vocational rehabilitation counselors, to help you return to work. PART OF YOUR BENEFIT PACKAGE. This benefit is completely paid for by your employer. LONG-TERM DISABILITY FAST FACTS 34.6 months The length of the average long-term disability claim. 1 You may receive additional benefits if your covered disability begins with a hospital stay of 14 days or more. OWL LABS INC. All Eligible Employees POLICY # 959589

800-247-6875 • sunlife.com/us Long-Term Disability Insurance How do I file a Long-Term Disability claim? If you become disabled after the effective date of coverage, check with your employer to make sure you are eligible for benefits. You can file a claim with us by downloading forms from our website. We’ll ask you and your doctor to provide information about your medical condition and your expected recovery. How do I qualify for benefits? You’ll start receiving disability payments if you satisfy the Elimination Period (see “When benefits begin” in the table) and meet the policy’s definition of disability. Generally, disability is defined as your inability to perform some or all of your job duties due to your injury, illness or pregnancy and may require that you have also had a certain percentage of earnings loss due to your disability. Please see your Certificate for details. What if I have a pre-existing condition? If you become disabled within 12 months of your insurance taking effect or 12 months following any increase in your amount of insurance, we will not pay any benefit for any pre-existing condition. A pre- existing condition includes anything you have sought treatment for in the 3 months prior to your insurance becoming effective. Treatment can include consultation, advice, care, services or a prescription for drugs or medicine. Can I work while I’m disabled? Your plan is designed to encourage and support your return to work. If you are able to work part-time, for example, you may receive part of your benefit while working. Will income from other sources affect my benefit? Your benefit may be reduced by Social Security benefits; disability benefits from retirement, government plans or state disability income; other group disability plans; no-fault benefits, salary continuance or sick leave; and return-to-work earnings. For more information, contact your benefits administrator. How is my benefit taxed? If you or your employer pays for all or part of the cost of coverage on a pre-tax basis, all or part of your benefit amount will be Form W-2 taxable income. In these situations, FICA tax deductions may reduce the amount we will pay you. The group disability insurance policies described in this advertisement provide disability income insurance only. 1. “Chances of disability,” Council for Disability Awareness, disabilitycanhappen.org, last accessed April 2019. Read the Important information section for more details including limitations and exclusions. Frequently asked questions

Long-Term Disability Insurance 800-247-6875 • sunlife.com/us The following coverage(s) do not constitute comprehensive health insurance (often referred to as “major medical coverage”). They do NOT provide basic hospital, basic medical, or major medical insurance. To become insured, you must meet the eligibility requirements set forth by your employer. Your coverage effective date will be determined by the Policy and may be delayed if you are not actively at work on the date your coverage would otherwise go into effect. Refer to the Certificate for details. Limitations and exclusions The below exclusions and limitations may vary by state law and regulations. This list may not be comprehensive. Please see the Certificate or ask your benefits administrator for details. Long-Term Disability We will not pay a benefit that is caused by, contributed to in any way or resulting from: intentionally self-inflicted injuries; committing or attempting to commit an assault, felony or other criminal act; war or an act of war; active participation in a riot, rebellion or insurrection; operation of a motorized vehicle while intoxicated. We will not pay a benefit if you do not submit proof of your loss as required by us (this covers medical examination, continuing care, death certificate, medical records, etc.); or for any Period of disability during which you are incarcerated. Disability benefits may be limited for certain conditions. This Overview is preliminary to the issuance of the Policy. Refer to your Certificate for details. Receipt of this Overview does not constitute approval of coverage under the Policy. In the event of a discrepancy between this Overview, the Certificate and the Policy, the terms of the Policy will govern. Product offerings may not be available in all states and may vary depending on state laws and regulations. Important information Sun Life companies include Sun Life and Health Insurance Company (U.S.) and Sun Life Assurance Company of Canada (collectively, “Sun Life”). Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 93P-LH, 12-GP-01, 12-DI-C-01, 15-GP-01, 16-DI- C-01, TDBPOLICY-2006 and TDI-POLICY. © 2019 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life and the globe symbol are trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/ us. GVBH-EE-8384 SLPC 29579