Group long-term disability income policies, insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004, are not available in any U.S. territory. Base certificate form number is GDC-4500 12/05. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. For costs and complete details of the coverage, contact your benefits representative. EAP and HealthChampion® are provided by ComPsych® Corporation. ComPsych® is not affiliated with Symetra Life Insurance Company or any of its affiliates. ComPsych © 2022 ComPsych Corporation. All rights reserved. Product is not available in all U.S. states or any U.S. territory. Symetra Life Insurance Company 777 108th Avenue NE, Suite 1200 Bellevue, WA 98004-5135 www.symetra.com Symetra® is a registered service mark of Symetra Life Insurance Company. How are LTD benefits paid? LTD is paid by check each month, at the end of the monthly period. For example, if you are to receive a payment representing the period of May 15–June 14, it will be issued to you on or about June 14. If you’d like your LTD benefit payment to be made via electronic funds transfer (ETF), contact your case manager. What if I’m unable to return to work by the date you are projecting? If you’re unable to return to work due to a medical condition on or near the projected return to work date indicated by Symetra, updated information will be required to determine if you remain eligible for benefits. While Symetra will reach out to your provider for clinical information, you’re encouraged to do so as well. We’ll review this information to determine if you’re eligible for additional benefits. What other services does Symetra provide to help me during my disability? After you file your claim, Symetra offers a number of programs to help you through your disability and get you back to work as soon as possible. Your case manager will explain the counseling, legal and financial support available through our Employee Assistance Program (EAP). You’ll also hear about our HealthChampion health care navigation program that provides help with understanding your medical plan benefits, including any services accessed during disability leave. Please note that the EAP and HealthChampion may not be available in all states. Symetra may be able to work with you, your provider and your employer regarding appropriate work-site and/or job accommodations to assist you with your return to work, when needed. Ask your case manager for more information. What happens if I return to partial work but continue to be disabled? Partial return to work during the elimination period is limited; please check with your human resources department and review the LTD contract for specific limitations. You may also be able to engage in partial work after your LTD benefits are payable. Can Symetra assist me if I need to apply for Social Security benefits? If your disability is so severe that you may not be able to return to work, you might be eligible for Social Security disability benefits. Even though your LTD benefit will be adjusted if you receive Social Security payments, there could be financial advantages to applying for them, such as: • Cost-of-living increases • Higher Social Security retirement benefits • Medicare coverage • Trial work period eligibility • Tax advantages A Symetra vendor will assist you—at no cost—through the Social Security application process. Contact your case manager for details. What happens to my employee benefits while I’m collecting LTD benefits? Contact your human resources department to learn what happens to your other benefits while collecting LTD benefits. To check the status of your claim: www.symetra.com/MyGO Visit MyGO for 24/7 access: • Register as a new user after you’ve been contacted by your case manager. • Log in to your account any time to search for and view your claim. 1-877-377-6773 Call Symetra between 8 a.m. and 8 p.m. ET, Monday through Friday.