The company provides basic coverage equal to your basic annual earnings, up to a maximum of $1.1 million, at no cost to you. You may also choose to purchase supplemental life insurance coverage, up to an additional five times your basic annual earnings, up to $3 million. Basic and supplemental coverage is provided through MetLife.

You may be required to submit proof of good health, or evidence of insurability (EOI), if you select supplemental coverage when you are first eligible that exceeds the lesser of $350,000 or three times your basic annual earnings. At future enrollments, you will need to provide EOI if you:

• - Did not enroll in supplemental life insurance coverage when you were first eligible and choose to do so, or
• - Make any change to your supplemental life insurance coverage.

Coverage you elect which is over the maximum allowable without EOI (and associated premiums) will not be effective until your EOI is approved.

Basic life insurance in excess of $50,000 is subject to imputed income taxes. This means the IRS requires you to pay income taxes on the value of company-paid premiums for life insurance over $50,000.

Coverage amounts reduce automatically at age 70. See your Health and Welfare Summary Plan Description (SPD) for details.

Your cost is deducted from the first two paychecks of each month on an after-tax basis and is based on the level of coverage you select and your age. Your coverage amount and premiums can change throughout the year as your base pay changes.

Questions about your employee benefits or other Human Resources issues? Contact the Workplace Solutions Center at (888) 471-2271.