LIFE & DISABILTY INSURANCE

Sun Life - Policy #956547

EMPLOYER-PAID BASIC LIFE / AD&D

Ryan Lawn & Tree provides employees with Basic Life and Accidental Death and Dismemberment (AD&D) coverage through Sun Life in the amount of $20,000.  This benefit is 100% Employer Paid. Benefits reduce by 50% at age 70. Coverage terminates at retirement.

VOLUNTARY LIFE INSURANCE

You also have the option of purchasing additional life insurance for yourself, your spouse and children. If you desire coverage more than the guaranteed issue amount, or are a late enrollee, you must complete the Evidence of Insurability form and approval is subject to underwriting

guidelines.

EMPLOYER-PAID SHIRT-TERM DISABILITY INSURANCE

Ryan Lawn & Tree provides employees with Short-Term Disability (STD) coverage through Sun Life.

VOLUNTARY LONG-TERM DISABILITY INSURANCE

Ryan Lawn & Tree provides employees with the opportunity to purchase Long-Term Disability (LTD) coverage through Sun Life.