Page 12 | Inotiv | Plan Year 2026 This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or providers contract. Legal Services, Critical Illness & Accident Insurance Critical Illness Insurance Covered Conditions Heart attack, Stroke, Major Organ Failure, Cancer, Paralysis, Coma Employee Benefit Amounts Benefit amounts range from $10,000 to $40,000 in $10,000 increments Spouse Benefit Amounts Same as employee; cannot exceed 100% of the employee amount. Child Benefit Amount $5,000 to $20,000 in increments of $5,000; cannot exceed 50% of employee amount Accident Insurance Covered Conditions Accidental death, loss of limb, dislocations, fractures, burns Employee Benefit Amounts Benefit amounts range from $100- $100,000 depending on the accident Spouse Benefit Amounts Benefit amounts range from $100- $100,000 depending on the accident Child Benefit Amount Benefit amounts range from $100- $50,000 depending on the accident Money Matters Identity theft Negotiating with creditors Tax audit representation Financial planning workshops 1 Home and Real Estate Sale, purchase, or refinancing of a primary or vacation home Property tax assessment Foreclosure Vehicle and Driving Defense of traffic tickets 2 License suspension due to DUI Repossession Estate Planning Documents Simple or complex wills Living wills Revocable or irrevocable trusts Civil Lawsuits Civil litigation defense Small claims assistance Pet liabilities Family and Personal Adoption Prenuptial agreement Personal property issues Elder Care Issues 3 Medicare Nursing home agreements Powers of attorney Additional Services Law Firm E-Panel Self-help documents Legal Services