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SHORT-TERM AND SUPPLEMENTAL DISABILITY INSURANCE: 30-DAY WAITING PERIOD

Week 1 2 3 4 Week 5 through Week 52 Week 53 and Beyond

• Waiting Period: up to 22 days of sick leave and/or vacation • Full pay and benefits

• Short-Term and Supplemental Disability

• 70% of monthly earnings up to $15,000 per month

• 50% of eligible earnings up to $15,000 per month

Date you become eligible

SHORT-TERM AND SUPPLEMENTAL DISABILITY INSURANCE: 90-DAY WAITING PERIOD

Week Week 1 to Week 13 Week 14 through Week 52 Week 53 and Beyond

• Waiting Period: up to 66 days of sick leave and/or vacation • Full pay and benefits

• Short-Term and Supplemental Disability

• 70% of monthly earnings up to $15,000 per month

• 50% of eligible earnings up to $15,000 per month

Date you become eligible

SHORT-TERM AND SUPPLEMENTAL DISABILITY INSURANCE: 180-DAY WAITING PERIOD

Week Week 1 to Week 26 Week 27 through Week 52 Week 53 and Beyond

• Waiting Period:

up to 131 days of sick leave and/or vacation

• Full pay and benefits

• Short-Term and Supplemental Disability

• 70% of monthly earnings up to $15,000 per month

• 50% of eligible earnings up to $15,000 per month

Date you become eligible

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Life Insurance

Benefits package: Full (Basic), Mid-Level (Core) and Core (Core) Who’s covered: You

Who pays the premium: UC

Life insurance provides financial protection for your dependents in the event of your death, and can be important to their future security. UC automatically provides basic life insurance coverage for all eligible employees. And you may be eligible to buy additional coverage for yourself and your family members. UC’s life insurance plans carry no exclusions based on the cause of death. They are group term life plans that provide coverage at special rates to group members — in this case, UC employees. UC’s life insurance is in effect only as long as you remain an eligible employee, and does not accumulate a cash value over time.

UC provides a minimum amount of life insurance coverage at no cost to you. The plan and amount of coverage varies, depending on your appointment rate and average regular paid time.

WHAT THE PLANS COVER

BASIC LIFE

This plan provides life insurance equal to your annual base salary, up to $50,000.1 _{The coverage amount is based on your}

UC salary and appointment rate as of your date of hire or January 1 of the current year, whichever is later.

Benefits are paid to your beneficiaries if you die while employed or on paid leave, or during the first four months of approved leave without pay or temporary layoff. Your beneficiaries receive these benefits in addition to any other death benefits for which you may qualify.

CORE LIFE

This plan provides $5,000 of life insurance.2

Benefits are paid to your beneficiaries if you die while employed or on paid leave, or during the first four months of approved leave without pay or temporary layoff. Your beneficiaries receive these benefits in addition to any other death benefits for which you may qualify.

OTHER FEATURES OF THE PLANS

LIVING BENEFIT OPTION

The “living benefit” option allows terminally ill employees to receive some of their life insurance benefits before death; the money can be used for any purpose. The insurance company pays you 75 percent of the total coverage amount in a lump sum or in 12 equal monthly installments. Benefits paid to your beneficiaries at the time of your death are reduced by the amount previously paid to you. See the life insurance plan booklet for more information.

EXTENDED DEATH BENEFIT

The Basic or Core Life insurance protection may continue up to one year beyond the date coverage terminates if you become totally disabled while covered under the plan and you are under age 65. You must remain continuously unable to engage in any occupation until the date of death. Protection continues for one year, until you reach age 65 or until your disability ends, whichever occurs first.

COST OF COVERAGE

UC pays the entire cost of your coverage for Basic or Core Life insurance. UC’s contribution toward the monthly cost of coverage is determined by UC and may change or stop altogether.

WHEN COVERAGE ENDS

If your annual average regular paid time drops below 17.5 hours per week or you leave UC employment, you are no longer eligible for Basic or Core Life insurance. You may be able to convert your coverage to an individual policy if you apply within 31 days of the date your UC-sponsored coverage ends.

Conversion options are generally more expensive and may provide fewer benefits than UC-sponsored plans. See your plan booklet or call your plan for more information.

EXCEPTION TO DUPLICATE UC COVERAGE RULE

You may be enrolled in Basic Life Insurance, Core Life Insurance or Senior Management Life Insurance and be covered as a dependent of another UC employee.

1 _{If you are a member of the California Public Employees’ Retirement System} (CalPERS), CalPERS provides $5,000 of coverage and UC provides coverage equal to your annual base salary less $5,000, up to $45,000.

2 _{This plan does not cover CalPERS members.}

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