ICC18 LR14GP-ADD-2 2 ADD-12995 (11/25) The Supplemental Employee AD&D insurance amount will not exceed the Supplemental Employee life insurance amount in force. EMPLOYEE BENEFIT REDUCTIONS Basic Employee AD&D insurance Your insurance amount will decrease as follows:  To 67% of the original amount on your 70th birthday.  To 45% of the original amount on your 75th birthday. Supplemental Employee AD&D insurance Your insurance amount will decrease as follows:  To 45% of the original amount on your 70th birthday.  To 30% of the original amount on your 75th birthday.  To 20% of the original amount on your 80th birthday.  To 15% of the original amount on your 85th birthday.  To 10% of the original amount on your 90th birthday. Reduced insurance amounts are not rounded. Retiree coverage does not reduce. SUPPLEMENTAL SPOUSE AD&D INSURANCE Supplemental Spouse AD&D insurance is Contributory by Employees. MAXIMUM AMOUNT OF SUPPLEMENTAL SPOUSE AD&D INSURANCE FOR SPOUSE $250,000 not to exceed 50% of the Supplemental Employee life insurance amount in force SPOUSE BENEFIT REDUCTIONS The Spouse insurance amount will decrease as follows:  To 45% of the original amount on your 70th birthday.  To 30% of the original amount on your 75th birthday.  To 20% of the original amount on your 80th birthday.  To 15% of the original amount on your 85th birthday.  To 10% of the original amount on your 90th birthday. Reduced insurance amounts are not rounded. SUPPLEMENTAL CHILDREN’S AD&D INSURANCE Supplemental Children’s AD&D insurance is Contributory by Employees. MAXIMUM AMOUNT OF SUPPLEMENTAL CHILDREN’S AD&D INSURANCE $10,000 Eligible Class(es) Full Amount Spouse Equal to the amount of Supplemental Spouse life insurance Eligible Class(es) Full Amount Child or Children Equal to the amount of Supplemental Children’s life insurance