LIFE INSURANCE PLAN

This life insurance plan provides financial protection for your beneficiary(ies) by paying a benefit in the event of your death. The amount your beneficiary(ies) receive(s) is based on the amount of coverage in effect just prior to the date of your death according to the terms and provisions of the plan. You also have the opportunity to have coverage for your dependents.

EMPLOYER'S ORIGINAL PLAN
EFFECTIVE DATE: January 1, 2009

POLICY NUMBER: 139604 001

ELIGIBLE GROUP(S):

Group 1

Assessors

Group 2 

Chief Deputy Assessors

Group 3 

All Employees not eligible in another group earning greater than $30,000 annually

Group 4 

All Employees earning $20,000 to $30,000 annually

Group 5 

All Employees not eligible in another group earning less than $20,000 annually

Group 6

Employees who retire having completed at least 12 years of service with the Employer, are at least 55 years of age (or have at least 30 years of service regardless of age), and who were covered under the Plan at the time of retirement, including retirees with benefit amounts that were in effect with the prior carrier on December 31, 2008, including retirees with benefit amounts that were in effect with the prior carrier on December 31, 2008

For retirees, certain terms and conditions in this life insurance plan are affected as follows:
- references to "employee" will read "retiree" as it applies
- references to "active employment" will not apply
- references to "minimum hours" will not apply
- references to "waiting period" will not apply
- the "life insurance premium waiver" provision will not apply

MINIMUM HOURS REQUIREMENT: 

Groups 1, 2, 3, 4 and 5 

Employees must be working at least 35 hours per week.

WAITING PERIOD:

Groups 1, 2, 3, 4 and 5

For employees in an eligible group on or before January 1, 2009: 30 days of continuous active employment 

For employees entering an eligible group after January 1, 2009: 30 days of continuous active employment

REHIRE:

Groups 1, 2, 3, 4 and 5 

If your employment ends and you are rehired within 1 year, your previous work while in an eligible group will apply toward the waiting period. All other policy provisions apply.

WHO PAYS FOR THE COVERAGE:

For You:

Your Employer pays the cost of your coverage.

For Your Dependents:

Groups 1, 2, 3, 4 and 5
You pay the cost of your dependent coverage.

ELIMINATION PERIOD:

Groups 1, 2, 3, 4 and 5
Premium Waiver: 9 months

Disability-based benefits begin the day after Unum approves your claim and the elimination period is completed.

LIFE INSURANCE BENEFIT:

AMOUNT OF LIFE INSURANCE FOR YOU

Group 1
$200,000

Group 2
$150,000

Group 3
$75,000

Group 4
$50,000

Group 5
$20,000

AMOUNT OF LIFE INSURANCE AVAILABLE IF YOU BECOME INSURED AT CERTAIN AGES OR HAVE REACHED CERTAIN AGES WHILE INSURED

Groups 1, 2, 3, 4 and 5
On the earlier of:

- the date you reach age 70; or
- the date you retire.

Your amount of life insurance will be 50% of the amount of life insurance you had just prior to age 70, or just prior to the date you retire.

There will be no further increases in your amount of life insurance. However, if you enter another eligible group under this plan you will be covered for and subject to that eligible group's amount of insurance and reduction formulas.

AMOUNT OF LIFE INSURANCE AVAILABLE IF YOU RETIRE

Group 6
If you retire, your amount of life insurance will be 50% of the amount of life insurance you had prior to your retirement date, unless previously reduced.

MAXIMUM BENEFIT OF LIFE INSURANCE FOR YOU:

Group 6
$100,000

AMOUNT OF LIFE INSURANCE FOR YOUR DEPENDENTS

Spouse:

Groups 1, 2, 3, 4 and 5
$5,000

Children:

Groups 1, 2, 3, 4 and 5
14 days to 6 months:     $2,000
6 months to age 20 or to 24 if a full-time student:     $2,000

THE AMOUNT OF LIFE INSURANCE FOR A DEPENDENT WILL NOT BE MORE THAN 100% OF YOUR AMOUNT OF LIFE INSURANCE.

SOME LOSSES MAY NOT BE COVERED UNDER THIS PLAN.

OTHER FEATURES:

Groups 1, 2, 3, 4 and 5
Accelerated Benefit

Conversion

Portability

Group 6
Accelerated Benefit

Conversion

The above items are only highlights of this plan. For a full description of your coverage, continue reading your certificate of coverage section.