Benefits at a Glance

ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya family of companies Benefits at a Glance Group Name: Ball State University Group Number: 752151 Class: All Eligible Full-Time Employees Your benefits go beyond the basics Along with essentials like medical insurance, you have the opportunity to enroll in additional benefits available through your employer. Explore now, and be ready for enrollment Insurance Voluntary Short Term Disability Income Insurance (All Eligible Non-Service personnel) Life doesnt stop when youre unable to work. Replace 60% of your weekly earnings for 12 weeks if an illness, injury, pregnancy/childbirth or other disability keeps you from your job. The benefit waiting period for a disability caused by an accident or injury is 7 days. The benefit waiting period for a disability caused by sickness is 7 days. Long Term Disability Income Insurance (Employer Paid) If your disability lasts longer than your short term disability insurance, youll be ready. Benefits are paid to replace 60% to a maximum of $15,000 per month of your income until you recover or for the maximum duration indicated in your certificate, if an illness, injury or other disability keeps you from your job. All Eligible Faculty/Professional Personnel and Exempt/Non-Exempt Staff Your benefit waiting period is 90 consecutive days within 180 calendar days. All Eligible Service Personnel your benefit waiting period is 180 consecutive days within 360 calendar days. Any days that you are able to work after the start of your disability will not count toward your waiting (elimination) period. Your open enrollment dates are October 22, 2025-November 7, 2025 Employer paid Short Term Disability Income Coverage (All Eligible Service Personnel) Life doesnt stop when youre unable to work. Replace 80% of your weekly earnings for 25 weeks if an illness, injury, pregnancy/childbirth or other disability keeps you from your job. The benefit waiting period for a disability caused by an accident or injury is 7 days. The benefit waiting period for a disability caused by sickness is 7 days.

See the product brochure, certificate of coverage and any applicable riders for complete provisions, exclusions and limitations. Critical Illness Insurance 1 [Employee Paid) Getting life back on track after a stroke, heart attack, or other covered illness can be challenging enough. Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered disease or condition on or after your coverage effective date. Get coverage that can help with everyday out-of-pocket costs. Hospital Indemnity Insurance 1 (Employee Paid) Get a fixed daily payment if you have a covered stay in a hospital 2 , and use it for any out-of-pocket expense youd like. Childcare, groceries, help around the houseits up to you. Accident Insurance 1 (Employee Paid) An accidental injurylike a broken bone, concussion or deep cut with stitches may affect your daily plans, but what if you could lessen the financial impact? Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident that occurs on or after your coverage effective date. Get a benefit payment to spend on out-of-pocket expenses such as gas, utilities, or anything youd like. Group Term Life Insurance (Employer Paid and Employee Paid) Provides your beneficiaries with a benefit payment if you pass away during a specific period known as a term. Typically, the period of time of this coverage is one year and it renews annually with your other employer-offered benefits. 1 This is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. 2 The definition of hospital does not include an institution or any part of an institution used as: a hospice unit, including any bed designated as a hospice or swing bed; a convalescent home; a rest or nursing facility; a free-standing surgical center; an extended care facility; a skilled nursing facility; or a facility primarily affording custodial, educational care, or care for the aged; or care or treatment for persons suffering from mental diseases or disorders or drug or alcohol addiction. Critical care unit and rehabilitation facility are also defined in the certificate. Dont miss this opportunity to enroll in these options for the coming year. More information about how to enroll will be provided by your employer.

You have the option to keep your Group Term Life Insurance, Accident Insurance, Critical Illness Insurance and Hospital Indemnity Insurance coverage by paying premiums directly to the insurer even if you leave your employer. Take your coverage with you See the product brochure, certificate of coverage and any applicable riders for complete provisions, exclusions and limitations. Your benefit payments go directly to you or your beneficiary (depending on the type of coverage) and can be used however youd like. Spend them on medical or non-medical out of-pocket expenses, whatever you choose. Flexibility Visit voya.com/claims and follow these steps: 1. Answer a few questions 2. Submit the required forms 3. Check the status of your claim online anytime. Simple, Streamlined Claims If you are enrolled in Accident, Critical Illness, and/or Hospital Indemnity Insurance, the Wellness Benefit pays an annual benefit for completing a covered health screening or for an eligible hospital stay. Accident: $75 for employees, $75 for spouses, $75 for children Critical Illness: $75 for employees, $75 for spouses, $75 for children Hospital Indemnity: $50 for employees, $50 for spouses, $50 for children Wellness Benefit Whats included with your insurance coverage?

Voya Travel Assistance with your Life or Accident Insurance Offers you and your dependents services when traveling 100 miles or more from home, including: medical assistance services, emergency medical transport services, travel assistance services such as pre-trip and cultural information, security services and accessible technology. Voya Travel Assistance services are provided by International Medical Group, Inc., Indianapolis, IN. Non-Insurance Products Bereavement Support, including Funeral Planning & Will Preparation with your Life Insurance Offers an impactful solution to you and your family after the loss of a loved one from planning a funeral to the logistics of winding down an estate. Empathys bereavement support is also fully accessible to your loved ones, and various family members can share and join your account. Services include: Guides and checklists Online planning and price comparison Drafting a will Issuing a financial power of attorney Bereavement Support, including Funeral Planning & Will Preparation services are provided by The Empathy Project, Inc., New York, NY. The following services are not insurance and may be discontinued at the request of your employer. Questions? Enrollment instructions will be provided by your employer. If you have additional questions before you enroll, please call: Voya Employee Benefits Customer Service at (877) 236-7564 Scan the QR code to visit your Employee Benefits Resource Center to learn more about this benefit and review instructions on how to file a claim after your effective date. https://presents.voya.com/EBRC/ballstateuniversity This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya family of companies. Accident Insurance Policy Form #RL-ACC3-POL-16; Critical Illness Insurance Policy Form #RL-CI4-POL-16; Hospital Confinement Indemnity Insurance Policy Form #RL-HI2-POL-18; Group Term Life Insurance Policy Form # ICC LP14GP or LP00G; Disability Income Insurance Policy form #HP08GP or HP13GP. Form numbers, provisions and availability may vary by state and your employers plan. A complete description of Short Term Disability Income coverage will be provided in the plan documents. ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya family of companies, provides only administrative services for self-funded short term disability income plans. Date Prepared: 10/02/2025 2024 Voya Services Company. All rights reserved. CN3781554_0926 212308ENG_091524