ICC18 LR14GP-ADD-2 2 ADD-12995 (03/26) 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 $250,000 The Supplemental Spouse AD&D insurance amount will not exceed the Supplemental Employee AD&D insurance amount in force. You may not elect a higher amount of Supplemental Spouse AD&D insurance than Supplemental Employee AD&D insurance. 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. Eligible Class(es) Full Amount Spouse Equal to the amount of Supplemental Spouse life insurance