This is a summary of benefits only. A complete description of coverage will be provided in the plan documents. ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies, provides only administrative services for self-funded short term disability income plans. Date Prepared: 09/29/2025 ©2024 Voya Services Company. All rights reserved. CN4867434_1027 3222917_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 Possible exclusions and limitations may include: We won’t pay benefits if your disability is caused by, contributed to by, or results from any of the following: • Subject to the applicable law in the state where the Policy is delivered or issued for delivery, commission or attempt to commit a felony or illegal activity. • Engaging in any illegal occupation, work or employment. • Operating a motorized vehicle while under the influence of alcohol as evidenced by a blood alcohol level at or in excess of the state legal intoxication limit as defined by the state law where the disability occurs. • Intentionally self-inflicted harm. • Attempted suicide, regardless of mental capacity. • Participation in a war, declared or undeclared, or any act of war. An act of war is military activity by one or more national governments and does not include terrorist acts, other random acts of violence not perpetrated by you, or civil war or community faction. • Active duty as a member of the armed forces of any nation. However, we will refund, upon written notice of such service, any Premium which has been accepted for any period not covered as a result of this exclusion. • Active participation in a riot, insurrection or terrorist activity, but not including civil commotion, disorder, injury as an innocent bystander, or injury because of self-defense. • Subject to the applicable law in the state where the Policy is delivered or issued for delivery, voluntary intake of any narcotic or other controlled substance, unless the narcotic or controlled substance is taken under the direction of and as directed by a doctor. • Voluntary intake of poison, drugs or fumes, unless a direct result of an occupational accident. • Cosmetic surgery except when required for your appropriate care as a result of your injury or sickness; cosmetic surgery shall not include (1) reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection or other diseases of the involved part, (2) reconstructive surgery because of congenital disease or anomaly resulting in a functional defect and (3) surgery necessitated by gender dysphoria. • Traveling in any aircraft other than as a fare-paying passenger on a scheduled or charter flight operated by a scheduled airline. • Traveling in any aircraft (or device) used for testing or an experimental purpose, used by or for any military authority, or used for travel beyond the earth’s atmosphere. • Hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing. • Participation in recreational motor sports events, racing, speed or endurance contest (auto, truck, cycle or boat), rock or mountain climbing, skin or scuba diving, or bungee jumping. • Participation in any sport for wage, compensation or profit. • Occupational sickness or injury We will not pay a benefit for any period of Disability during which you are incarcerated. Your benefits may be reduced by other income you are eligible to receive while disabled. Limitations and exclusions will vary by state and by your employer’s benefit plan.