LTD: Class 1

How much coverage do I get? Your employer believes in the importance of Long Term Disability Income Insurance and is providing basic coverage at no cost to you in the amount of: ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya family of companies What is Long Term Disability Income Insurance? While hard to imagine, now is the right time to think about how to replace part of our paycheck when youre injured or ill and cant work. If your recovery time lasts longer than just a few short weeks or months, Long Term Disability Income Insurance can help replace part of your income for the duration of your disability or to normal retirement age. Long Term Disability Income Insurance Help minimize the financial impact of a disabling illness or injury What else is included? With Long Term Disability Income Insurance, youll also have access to these additional benefits to bring you added support when you need it. For a complete description of your available benefits, along with applicable provisions, exclusions and limitations, see your certificate of insurance and any riders. Your policy has a waiting period of 90 consecutive days within 180 calendar days. A waiting period is the amount of time that must pass before your benefits will begin. Any days that you are able to work after the start of your disability will not count towards your waiting (elimination) period. Coverage amounts 60% of your monthly earnings, up to $15,000 per month Benefit Minimum: >$100 or 10% Benefit Maximum: $15,000 Group Name: Ball State University Group Number: 752151 Class: All Eligible Faculty & Professional Personnel Conversion provides the opportunity to convert this coverage and pay premiums to the insurer directly if you leave your job. Waiver of Premium maintains your coverage with no premium due while youre receiving Long Term Disability benefits from us. Social Security Disability Income (SSDI) filing assistance when you are ready to file. Survivor Benefit pays an eligible loved one a lump-sum benefit if you pass while receiving disability benefits - 6 times your monthly benefit. Vocational rehabilitation services assist you in returning to work when possible. Workplace modifications may be made to your workplace in order to help you return to work. Family Member Care Expense Benefit may provide a benefit for incurring expenses to care for an eligible family member if you are receiving monthly Disability benefits and participating in a vocational rehabilitation plan. Child Care Expense Benefit may provide a benefit for incurring expenses to care for an eligible child if you are receiving monthly Disability benefits and participating in a vocational rehabilitation plan.

How long do benefit payments last? Long Term Disability Income benefits are available until you recover from your disability, or until you reach the maximum period of payment listed below. If you are disabled before you reach age 60 , the maximum period of payment will be until SSNRA, as shown in the following table: Year of birth Social Security retirement age (SSNRA)* Before 1938 65 years 1938 65 years and 2 months 1939 65 years and 4 months 1940 65 years and 6 months 1941 65 years and 8 months 1942 65 years and 10 months 1943-1954 66 years 1955 66 years and 2 months 1956 66 years and 4 months 1957 66 years and 6 months 1958 66 years and 8 months 1959 66 years and 10 months After 1959 67 years If you are disabled on or after you reach age 60 , the maximum period of payment will be determined according to the following table: Age when disability begins Maximum period of payment 60 60 months or to SSNRA*, whichever is greater 61 48 months or to SSNRA*, whichever is greater 62 42 months or to SSNRA*, whichever is greater 63 36 months or to SSNRA*, whichever is greater 64 30 months or to SSNRA*, whichever is greater 65 24 months 66 21 months 67 18 months 68 15 months 69 and over 12 months *Age at which you are entitled to unreduced Social Security benefits based on the Social Security Amendments of 1983.

Exclusions and limitations Benefits are not payable if your disability is caused by, contributed to or resulting from: Loss of a professional or occupational license or certification Commission of or attempt to commit a felony Intentionally self-inflicted injuries Attempted suicide, regardless of mental capacity Being legally intoxicated or being under the influence of any narcotic, unless taken under the direction of and as directed by a doctor Participation in a war, declared or undeclared, or any act of war Active military duty Active participation in a riot Engaging in any illegal or fraudulent occupation, work or employment Commission of a crime for which you have been convicted Elective surgery, except when required for your appropriate care as a result of your injury or sickness Traveling or flying on an aircraft operated by or under the authority of military or any aircraft being used for experimental purposes Pre-existing conditions: A pre-existing condition is a sickness, injury or physical condition that led to medical treatment, consultation, care or services (including diagnostic measures) during the 6 month period before your coverage effective date. Benefits are not payable if your disability begins in the first 12 months after your coverage effective date, and your disability is caused by, contributed by, or the result of a pre-existing condition unless the insured person was treatment free for 6 consecutive months after the effective date of coverage. Your benefits may be limited to a shorter time period, such as 24 months during your lifetime, if: The disability is due to a mental illness, alcoholism or drug abuse. Your benefits will be reduced by other income (deductible sources of income) you are eligible to receive while disabled. These include but arent limited to: Income received from any form of employment Unemployment benefits and any type of income replacement provided by your employer Workers Compensation benefits or benefits from similar programs Judgments or settlements you receive related to disability Disability or retirement payments under Social Security or other federal and state plans Disability income payments under automobile liability insurance benefits Disability income payments payable under any other group insurance policy and certain retirement payments provided under your employers retirement plan *Limitations and exclusions will vary by state and by your employers benefit plan. 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. Disability Income Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya family of companies. Policy form HP08GP and/or HP13GP (may vary by state). Date Prepared: 09/29/2025 2024 Voya Services Company. All rights reserved. CN4867199_1027 2851294_060124 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