Page 62 - Takoma Park Benefits Guide 2022

This summary describes the terms and conditions of the Policy. For a complete description of the terms and conditions of the
Policy, refer to the appropriate section of the Certificate, available from the Policyholder. The capitalization of a term not
normally capitalized according to standard punctuation rules indicates a word or phrase that is a defined term in the
Certificate. A person is not necessarily entitled to insurance because he or she received this summary. A person is only
entitled to insurance if he or she is eligible in accordance with the terms of the Policy. This summary was published on
June 3, 2019.
POLICY INFORMATION
Policyholder: Takoma Park - Silver Spring Cooperative, Inc.
Policy Effective Date: July 1, 2011 Policy Anniversary: July 1
Policy Number: GLUG-AJC8 Group Number: G000AJC8
Class(es): All eligible employees
ELIGIBILITY
You (the Employee) must be performing the normal duties of Your regular job for the Policyholder on a regular and
continuous basis 30 or more hours each week to be eligible for insurance.
An Employee who is not eligible for insurance under the Policy on the Policy Effective Date, or an Employee who is hired
after the Policy Effective Date, becomes eligible for insurance under the Policy on the day following completion of an
Eligibility Waiting Period of 60 days.

WHEN INSURANCE BEGINS
An eligible Employee will become insured on the first day of the month that coincides with or follows the day the Employee
becomes eligible, subject to certain conditions (as described in the When Insurance Begins provision in the Certificate).
Additional eligibility conditions apply as described in the Certificate.

BENEFIT AMOUNT(S)
Insurance for You (The Employee)
Your amount of life insurance is $20,000.
Your amount of accidental death and dismemberment (AD&D) insurance is equal to Your amount of life insurance.
If You have questions regarding the amount of Your insurance, You may contact the Policyholder.
Benefit Reduction(s)
As You grow older, the amount of life and AD&D insurance for You will be reduced according to the following schedule:
At the Age of: The Original Amount of Insurance Will Reduce to:
65.................................................................................................................................................................65%
70.................................................................................................................................................................50%
Insurance ends on the date of Your retirement.

FEATURE(S)
Living Benefits
In the event You incur a Terminal Condition while insured under the Policy, You, Your Spouse or Your legal representative
may submit a Written Request for an advance payment of part of Your life insurance death benefit. The maximum amount of
Living Benefits available is 75% of the amount of life insurance for You in effect at the time of the request or $15,000,
whichever is less.
Continuation of Insurance for Layoff or Leave, Injury or Sickness, or Partial Disability
You may be able to continue insurance from the day You cease to be Actively Working, subject to certain conditions.

GROUP TERM LIFE CERTIFICATE SUMMARY PAGE 1 of 2