Page 13 | Inotiv | Plan Year 2026 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract. Legal Services, Critical Illness & Accident Insurance Critical Illness Insurance Covered Conditions Heart attack, Stroke, Major Organ Failure, Cancer, Paralysis, Coma Employee Benefit Amounts Benefit amounts range from $10,000 to $40,000 in $10,000 increments Spouse Benefit Amounts Same as employee; cannot exceed 100% of the employee amount. Child Benefit Amount $5,000 to $20,000 in increments of $5,000; cannot exceed 50% of employee amount Accident Insurance Covered Conditions Accidental death, loss of limb, dislocations, fractures, burns Employee Benefit Amounts Benefit amounts range from $100- $100,000 depending on the accident Spouse Benefit Amounts Benefit amounts range from $100- $100,000 depending on the accident Child Benefit Amount Benefit amounts range from $100- $50,000 depending on the accident Money Matters • Identity theft • Negotiating with creditors • Tax audit representation • Financial planning workshops1 Home and Real Estate • Sale, purchase, or refinancing of a primary or vacation home • Property tax assessment • Foreclosure Vehicle and Driving • Defense of traffic tickets2 • License suspension due to DUI • Repossession Estate Planning Documents • Simple or complex wills • Living wills • Revocable or irrevocable trusts Civil Lawsuits • Civil litigation defense • Small claims assistance • Pet liabilities Family and Personal • Adoption • Prenuptial agreement • Personal property issues Elder Care Issues3 • Medicare • Nursing home agreements • Powers of attorney Additional Services • Law Firm E-Panel® • Self-help documents Legal Services