TABLE OF CONTENTS SECTION BENEFIT HIGHLIGHTS 1 DEFINITIONS 2 ELIGIBILITY, EFFECTIVE DATES AND TERMINATION OF EMPLOYEE INSURANCE 3 ELIGIBILITY, EFFECTIVE DATES AND TERMINATION OF SPOUSE INSURANCE 4 ELIGIBILITY, EFFECTIVE DATES AND TERMINATION OF DEPENDENT CHILDREN 5 INSURANCE BENEFIT PROVISIONS 6 COVERED CONDITIONS 7 EXCLUSIONS AND LIMITATIONS 8 WELLNESS SCREENING BENEFIT 9 CLAIM PROVISIONS 10 INSURANCE CONTINUATION 11 PORTABILITY 12 GENERAL PROVISIONS 13 16-SD-C-01 Page3