Life, Accidental Death and Dismemberment (AD&D Ultra®) …AD&D Ultra provides additional financial protection for the unexpected. AD&D Ultra pays a benefit if you are dismembered

Life, Accidental Death and Dismemberment (AD&D Ultra®) and Disability

Table of contents

• Your life and AD&D Ultra® insurance benefits Life and AD&D Ultra benefit summary Supplemental term life and AD&D Ultra brochure Get more from your life insurance with Aetna Life

Essentials℠ services and discounts Important information about choosing a

beneficiary • Your disability insurance benefits

Long-term disability benefit summary Voluntary long-term disability brochure

• Next steps

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Welcome

We’re here to help you learn about your benefits

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Life and AD&D Ultra® benefits

Learn more about your benefits with this simple summary

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Life, AD&D Ultra, STD and LTD policies have limitations and exclusions. The purpose of this Benefit Summary and any additional enrollment materials or brochures is to give a general overview of the policies. Complete coverage information can be found in the policy documents issued by Aetna to your employer. Please review the policy documents to familiarize yourself with the terms of coverage. If there is a discrepancy between the policy documents and these materials, the terms of the policy documents will apply.

Engility Corporation – Full-Time Your Summary of Group Life and AD&D Ultra® Benefits Basic and Supplemental Term Life and Accidental Death and Personal Loss Coverage (AD&D Ultra®) Plan Effective Date: 01/01/2016

Your Group Life Insurance Benefits Protecting your greatest asset - your family

Am I eligible for coverage?

You qualify if you are an active full-time employee working at least 30 hours a week. You must be working in an eligible group as defined by your employer.

When does my coverage begin?

When does coverage become effective?*

The "Guaranteed Issue Amount" is the most coverage you can get without having to submit Evidence of Insurability (EOI). Coverage up to the Guaranteed Issue Amounts will begin on 01/01/2017. *You must be actively-at-work for your coverage to begin. Other rules may apply. Please review your policy documents for more information.

Do I have to provide proof of good health (EOI) to enroll?

An EOI Form (medical questionnaire) is required to enroll in the Supplemental Life insurance if you are a late applicant during this enrollment period. If you are currently covered, you may be able to increase coverage without EOI.

When will coverage that requires proof of good health (EOI) begin?

Coverage will begin after Aetna reviews and approves your EOI. If EOI is not approved, coverage will be limited to any "Guaranteed Issue Amounts" that apply.

How much coverage does my Employer provide?

Employer Paid - Term Life Your employer pays for a benefit in the amount of: • You: 1.5 times your basic

annual earnings rounded to the next higher $1,000 to a maximum of $1,000,000 or $50,000

Life insurance provides your loved ones with financial protection if you die. It can help pay your final expenses like funeral and burial; everyday living expenses like mortgage or rent, car payments and groceries; future expenses like college tuition payments.

Employer Paid - AD&D Ultra®

Your employer pays for a benefit in the amount of:

AD&D Ultra provides additional financial protection for the unexpected. AD&D Ultra pays a benefit if you are dismembered as the result of an accident, or an additional benefit to your life insurance benefit if you die as the result of an accident. It will also provide benefits for accidental; loss of eyesight, hearing or speech, loss of a limb, loss of limb use due to paralysis, disfiguring third-degree burns, or coma. Your basic coverage may begin to reduce when you reach a certain age.

• You: 1.5 times your basic annual earnings rounded to the next higher $1,000 to a maximum of $1,000,000

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Can I buy coverage and how much will it cost?

You can buy coverage called Supplemental Life insurance for yourself and your spouse and children. You can purchase Supplemental AD&D Ultra® coverage for yourself and your spouse and children.

Supplemental Life Coverage

Available Coverage Amounts You 1, 2, 3, 4, 5, 6, 7 or 8X Basic Annual Earnings up to a maximum of $1,000,000 Your Spouse Options of: $25,000; $50,000; or 1, 2, 3 or 4X employee’s Basic Annual Earnings Child(ren) Options of: $10,000, $20,000 or $30,000

Guaranteed Issue Amounts

New Hire/Newly Eligible*

You 5X Basic Annual Earnings or $600,000, whichever is less

Your Spouse $50,000

Child(ren) $30,000

*Available during initial eligibility period. See your policy documents for more information.

Employee must buy supplemental life coverage to buy dependent life coverage. Dependent coverage cannot exceed 100% of employee’s coverage amount.

Child(ren) Eligibility: Live Birth to age 26

Spouse rated on Employee's age

Monthly Rates for Term Life Insurance (rate per $1,000)

Age bands <20 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75+

Employee 0.037 0.037 0.045 0.058 0.066 0.077 0.117 0.179 0.332 0.495 0.968 1.700 1.700

Spouse 0.037 0.037 0.045 0.060 0.068 0.076 0.115 0.176 0.332 0.507 0.990 1.693 1.693

Child(ren): $0.085 per $1,000 of coverage

Engility Corporation- Full-Time Your Summary of Group Life and AD&D Ultra® Benefits

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Engility Corporation- Full Time Your Summary of Group Life and AD&D Ultra® Benefits

Supplemental AD&D Ultra® Coverage

Coverage Amounts You 1, 2, 3, 4, 5, 6, 7, 8, 9 or 10X Basic

Supplemental AD&D Monthly Rates

Employee rate is $0.017 per $1,000 of coverage. Annual Earnings up to a maximum of

Your Spouse

$1,000,000 75% of employee's elected amount (60% if child included)

Employee plus Family rate is $0.029 per $1,000 of coverage.

Child(ren) 25% of employee's elected amount (15% if spouse included)

Reductions that apply to Life Insurance Your coverage will reduce as you age.

Your coverage will reduce as follows: At age 70 your coverage will reduce to 65% of the original amount. At age 75 your coverage will reduce to 40% of the original amount. At age 80 your coverage will reduce to 25% of the original amount.

What additional features should I know about?

Accelerated Death Benefit Provision

You may be eligible to receive up to 80% of your (combined basic and supplemental) life insurance coverage if diagnosed with a terminal or serious medical condition.

AD&D Ultra® Features A benefit is paid to your surviving spouse/domestic partner or dependent children if you die in an accident.

Seatbelt/airbag benefits: If you or your dependent die from a motor vehicle accident while wearing a seatbelt, a benefit is paid. An added benefit is paid if an airbag inflated. Educational benefit: For your spouse and each eligible dependent child under 23. Childcare Benefit: For each dependent child under 13 to help pay for childcare. Repatriation of Mortal Remains: If you or your dependent die in an accident 200 miles or more from home, a benefit will be paid to transport the body to your hometown funeral home.

Conversion If your coverage ends or is reduced, you can convert your term life policy to a Whole Life Policy.

You may convert your basic and/or supplemental coverage into a W hole Life Policy with rates based on your age at that time by paying premiums directly to Aetna. W hole life insurance is generally more expensive than term insurance so a change in your premium may apply. You will have 31 days to convert your coverage without answering any medical questions.

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Portability If you leave your employer, you can take your term life plan with you.

You have an additional option to conversion. You can continue your basic and/or supplemental life insurance as a term policy by paying premiums directly to Aetna. Term insurance is generally less expensive than W hole Life insurance but your rates will increase as you reach higher age bands. You will have 31 days to convert or port your coverage without answering any medical questions.

Aetna Life Essentials® Aetna Life Essentials web address: www.aetna.com/aetnalifeessentials/

Legal: Create a will, living will, health care directive or a durable/financial power of attorney. Financial: Financial planning to help your beneficiaries maximize their life/AD&D Ultra payment. Emotional: Master-level social workers provide emotional support in the event of an advanced illness or disabling condition. Physical: Save on gym memberships, fitness equipment, eyeglasses, contact lenses and hearing aids.

Funeral Planning and Concierge Services

Advisory Assistance to help you and your family make decisions on all funeral-related issues. Planning advice and cost-comparison tools available 24/7 by phone and online. Call 1-800-913-8318 or visit www.everestfuneral.com/aetna (Ask your Human Resources department for your company code.)

Premium calculation

Calculation:

Step 1: Benefit / 1000 = # Units

Step 2: # Units x Age-banded Rate = $ Premium Per Month

Step 3: Monthly Premium x 12 = Annual Premium / # Pay Periods = $ Payroll Deduction

Example: 35 year old, $100,000 Benefit

Step 1: $100,000 / 1000 = 100 Units

Step 2: 100 x 0.07 (35 year old rate) = $6.60 Premium Per Month

http://www.aetna.com/aetnalifeessentials/

http://www.everestfuneral.com/aetna

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Supplemental Term Life Employee Coverage Amounts and Monthly Premiums

Age $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000

<20 $0.37 $0.74 $1.11 $1.48 $1.85 $2.22 $2.59 $2.96 $3.33 $3.70

20-24 $0.37 $0.74 $1.11 $1.48 $1.85 $2.22 $2.59 $2.96 $3.33 $3.70

25-29 $0.45 $0.90 $1.35 $1.80 $2.25 $2.70 $3.15 $3.60 $4.05 $4.50

30-34 $0.58 $1.16 $1.74 $2.32 $2.90 $3.48 $4.06 $4.64 $5.22 $5.80

35-39 $0.66 $1.32 $1.98 $2.64 $3.30 $3.96 $4.62 $5.28 $5.94 $6.60

40-44 $0.77 $1.54 $2.31 $3.08 $3.85 $4.62 $5.39 $6.16 $6.93 $7.70

45-49 $1.17 $2.34 $3.51 $4.68 $5.85 $7.02 $8.19 $9.36 $10.53 $11.70

50-54 $1.79 $3.58 $5.37 $7.16 $8.95 $10.74 $12.53 $14.32 $16.11 $17.90

55-59 $3.32 $6.64 $9.96 $13.28 $16.60 $19.92 $23.24 $26.56 $29.88 $33.20

60-64 $4.95 $9.90 $14.85 $19.80 $24.75 $29.70 $34.65 $39.60 $44.55 $49.50

65-69 $9.68 $19.36 $29.04 $38.72 $48.40 $58.08 $67.76 $77.44 $87.12 $96.80

70-74 $17.00 $34.00 $51.00 $68.00 $85.00 $102.00 $119.00 $136.00 $153.00 $170.00

75+ $17.00 $34.00 $51.00 $68.00 $85.00 $102.00 $119.00 $136.00 $153.00 $170.00

Supplemental Term Life Spouse Coverage Amounts and Monthly Premiums

Age $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000

<20 $0.37 $0.74 $1.11 $1.48 $1.85 $2.22 $2.59 $2.96 $3.33 $3.70

20-24 $0.37 $0.74 $1.11 $1.48 $1.85 $2.22 $2.59 $2.96 $3.33 $3.70

25-29 $0.45 $0.90 $1.35 $1.80 $2.25 $2.70 $3.15 $3.60 $4.05 $4.50

30-34 $0.60 $1.20 $1.80 $2.40 $3.00 $3.60 $4.20 $4.80 $5.40 $6.00

35-39 $0.68 $1.36 $2.04 $2.72 $3.40 $4.08 $4.76 $5.44 $6.12 $6.80

40-44 $0.76 $1.52 $2.28 $3.04 $3.80 $4.56 $5.32 $6.08 $6.84 $7.60

45-49 $1.15 $2.30 $3.45 $4.60 $5.75 $6.90 $8.05 $9.20 $10.35 $11.50

50-54 $1.76 $3.52 $5.28 $7.04 $8.80 $10.56 $12.32 $14.08 $15.84 $17.60

55-59 $3.32 $6.64 $9.96 $13.28 $16.60 $19.92 $23.24 $26.56 $29.88 $33.20

60-64 $5.07 $10.14 $15.21 $20.28 $25.35 $30.42 $35.49 $40.56 $45.63 $50.70

65-69 $9.90 $19.80 $29.70 $39.60 $49.50 $59.40 $69.30 $79.20 $89.10 $99.00

70-74 $16.93 $33.86 $50.79 $67.72 $84.65 $101.58 $118.51 $135.44 $152.37 $169.30

75+ $16.93 $33.86 $50.79 $67.72 $84.65 $101.58 $118.51 $135.44 $152.37 $169.30

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Child(ren) Term Life Child(ren) Coverage Amount and Monthly Premiums

Rate $10,000 $20,000 $30,000

Child(ren) $0.085 $0.85 $1.70 $2.55

Supplemental AD&D Ultra®

Employee, Family Coverage Amount and Monthly Premiums

Rate $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000

Employee $0.017 $0.17 $0.34 $0.51 $0.68 $0.85 $1.02 $1.19 $1.36 $1.53

Family $0.029 $0.29 $0.58 $0.87 $1.16 $1.45 $1.74 $2.03 $2.32 $2.61

Supplemental AD&D Ultra®

Employee, Family Coverage Amount and Monthly Premiums

Rate $100,000

Employee $0.017 $1.70

Family $0.029 $2.90

Quality health plans & benefitsHealthier livingFinancial well-beingIntelligent solutions

Life is precious, help protect the ones you loveAetna Voluntary Term Life and AD&D Ultra® Insurance

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Is your life insurance coverage keeping up with your life?

Do you have enough life insurance coverage to help protect your loved ones? If you’re like a lot of people, you may be putting off buying more because:

•You think you can’t afford it.

•You feel there are more urgent priorities.

•You aren’t sure how much to buy.1

Sticking to a budget and managing your priorities are smart ideas anytime you’re considering a major purchase. And, yes, trying to decide how much life insurance coverage is enough can be tough without some extra help.

But if you have loved ones who count on you for income, what’s more important than providing for them after you’re gone? Could they enjoy the quality of life they have now?

An easy way to buy life insurance coverage that’s easy on your wallet

Your employer has made it easy to add more coverage to what you may already have by including a voluntary term life insurance plan in your new benefits package. It’s from Aetna Life Insurance Company, a leading insurance carrier.2

It’s simple. We’ll provide essential information to help you understand what you’d be getting — in plain language. That way, you’ll be able to make a more confident buying decision.

It’s convenient. You can enroll at work. You won’t need to take a medical exam, although in certain cases you may need to answer a few questions about your health. Plus, you can pay for your coverage through payroll deductions.

It’s affordable. With term life insurance, you only pay for coverage that stays in effect for a specified amount of time. You also benefit from your employer’s group rates. So it often costs less than other types of coverage.

Life happens — what’s happening in your life?

Life insurance is important no matter what stage of life you’re in. But as your life changes, your insurance needs very often change, too. Here are a few examples where you may want more coverage:

Married with kids, lots of expensesRaising children is one of life’s most precious — and most costly — responsibilities. If you were to die tomorrow, could your family afford the same lifestyle they have today?

Single parent, multiple responsibilitiesYou’re the sole provider, the one your kids count on. Isn’t it important to be able to care for them financially when you’re no longer there to care for them yourself ?

Dual income, no kidsIf you have two incomes, life insurance can help protect your assets and your spouse’s ability to maintain the same standard of living as today.

Growing children, aging parentsCaught in the middle? Life insurance not only can help you take care of your kids’ financial future, but it also can help you look after elderly parents who may need care today.

Single and carefreeCarefree? What about your car loan, your credit card balances and all your other bills? Who’s going to pay off your outstanding debt when you’re gone? 1 Life Insurance and Market Research Association (LIMRA) Life Insurance Awareness Month Study, 2012.

2 Ranked second on Fortune magazine’s 2013 list of America’s most admired and respected companies in the health insurance and managed care industry.

Many people don’t provide enough financial protection for their families. As your life changes, so do your life insurance needs. Maybe it’s time to take another look at your coverage.

Life insurance plans/policies are offered and/or underwritten by Aetna Life Insurance Company (Aetna).

*Restrictions and limitations may apply. 3LIMRA U.S. Life Ownership Study, 2010.

Your life insurance calculator

A. Income and assets

1. Annual income Spouse’s earnings, Social Security, etc. $

2. Savings and investments CDs, 401(k)s, IRAs, pensions, etc. +$

3. Current life insurance coverage Group plans and other sources +$

Total income and assets Add lines 1, 2 and 3 =$

B. Debt and expenses

1. Annual living expenses Food, housing, utilities, clothing, etc. $

2. Outstanding debt Mortgage(s), credit card balances, tuition, etc. +$

3. Funeral and other final expenses Estate settlement, taxes, medical bills, etc. +$

Total debt and expenses Add lines 1, 2 and 3 =$

C. Additional life insurance need Subtract B from A =$

What is term life insurance?

Term life is a simple, affordable way to help replace the loss of income resulting from your death. You can renew the coverage available through your employer every year. If you were to die during that annual “term,” your loved ones would receive money that can help pay for their everyday living expenses and any outstanding debt you may have.*

How much life insurance is enough?

The average U.S. household owns enough life insurance to replace 3½ years of income. That may seem like a lot. But take a look at everything you may want to protect — and for how many years. You may find you need twice that amount. Maybe more.3 So, how much coverage do you need to replace your income? Here’s an easy way to do the math.

Prefer to calculate online?

Visit www.aetna.com where you’ll find our Life Needs Analyzer. This easy-to-use calculator will help you decide how much life insurance coverage you may need to help protect your family’s financial future.

Not all features are available in all states. Please check your plan documents for information about which features are available. Legal Reference™ Program services are independently offered and administered by ARAG® Insurance Company of Des Moines, Iowa. Aetna does not participate in attorney selection or review, and does not monitor ARAG services, content or network.Everest Funeral Planning and Concierge Services (“Services”) are independently administered by Everest Funeral Package, LLC (“Everest”). Access to these services is not insurance, may be discontinued at any time without notice and is void where prohibited. Everest is solely responsible for furnishing these services and Aetna makes no guarantee or representations as to their quality or suitability. In no event will Aetna be responsible or liable for any acts or omissions by Everest and its agents, employees or representatives in connection with the services provided.Language assistance: If you need assistance in any language, please call Member Services at 1-888-772-9682. Su necesita asistencia en cualquier idioma, por favor llame a Servicios al Cliente al 1-888-772-9682. This material is for information only and is not an offer or invitation to contract. An application must be completed to obtain coverage. Rates and benefits vary by location. Specific features of life insurance plans vary, depending on employers and states. Plan features and availability may vary by location and are subject to change. Plans contain exclusions and limitations. See policy or plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to www.aetna.com. Policy form numbers issued in Oklahoma include: GR-9/GR-9N and/or GR-29/GR-29N.

www.aetna.com

©2013 Aetna Inc. 26.02.346.1 (8/13)

Funeral services — Manage all funeral details through Everest Funeral Planning and Concierge Services.

Accelerated death benefit — Access a portion of your life insurance benefit, if you’re terminally ill, before your death.

Legal services — Benefit from online estate planning services.

Physical services — Gain access to discount vision, hearing and fitness programs.

Care advocacy — Receive professional counseling over the phone from a master’s level social worker.

End-of-life support — Visit the Aetna Compassionate CareSM website. Also, talk to a licensed social worker to prepare for this challenging time of life.

Aetna Life EssentialsSM program — Extra protection adds up to extra value at no extra cost

Aetna Life Essentials adds value to your life insurance policy by helping you make the most of every stage of your life. The program gives you and your family access to free resources during your lifetime and afterward:

Life happens. Accidents, too. And when they do, they can have a major impact on you and those closest to you. Aetna’s voluntary AD&D Ultra plan covers accidental death and serious injuries, such as:

•Lossofeyesight •Lossofanarmorleg

•Paralysis •Third-degreeburns

The AD&D Ultra plan provides added features:

•Seatbelt and airbag benefits — Includes extra financial protection if you were to die in a car crash while wearing a seatbelt, with an added feature if an airbag deploys.

•Child care — Helps the surviving spouse pay up to four years of child care costs for children under age 13.

•Education — Helps pay for job training for the surviving spouse or domestic partner. Also, dependent children may get tuition assistance. Age limitations apply.

•Legal services — Provides help preparing basic wills, living wills and other legal documents.

Simple. Convenient. Affordable. See your benefits manager today for more information.

Aetna Voluntary AD&D Ultra insurance

Services that fit every stage of your life Aetna Life EssentialsSM Program

With your Aetna Life Insurance coverage, you aren’t just offering financial protection for your loved ones. You also get access to tools and services to use today for a healthy, fulfilling life. This is what Aetna Life Essentials is all about.

Support for your emotional and daily needs

Care Advocacy Program with social work servicesYou have access to a master’s-level social worker who is able to assist if you:

• Are permanently and totally disabled

• Are terminally ill and are applying or have been approved for an accelerated death benefit

• Have an injury that has resulted in a loss covered by the accidental death and personal loss coverage benefit

Through this program, you can get access to:

• Education about coverage

• Referrals to local and national programs that may provide housing, food, prescription and financial assistance, emotional support and referrals to behavioral health services

• Experience with members dealing with advanced illness, including those who use Medicare

Want to learn more? Call us at 1-800-276-5120.

End-of-life support You can use the Aetna Compassionate CareSM program to be better prepared during this challenging time. You can find:

• Advice on how to start talking about end-of-life issues

• End-of-life care information

• Printable checklists that help you manage your estate

Need more information? Visit us at www.aetnacompassionatecare.com.

Grief counseling We’re here when you need to talk. You and your family members can speak with an Aetna Behavioral Health representative. You get three telephone bereavement or grief counseling sessions as part of your life coverage.

Need to talk? Call us at 1-800-806-8891.

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Life insurance policies are offered and underwritten by Aetna Life Insurance Company (Aetna). Legal Reference Program services independently offered and administered by ARAG North America (ARAG). Aetna does not participate in attorney selection or review, and does not monitor ARAG services, content or network. Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing. MLPF&S is a registered broker dealer, Member SIPC, and a wholly owned subsidiary of Bank of America Corporation. The Financial Services Program is independently offered and administered by MLPF&S. Aetna does not provide financial services and makes no representations or warranties as to the quality of the information or services provided by MLPF&S. Not all health and/or life services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. Discount offers provide access to discounted services and are not part of an insured plan or policy. The member is responsible for the full cost of the discounted services. Aetna may receive a percentage of the fee paid to a discount vendor. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to www.aetna.com.Policy forms issued in Oklahoma include: GR-9 and/or GR-9N, GR-29 and/or GR-29N.

www.aetna.com

©2016 Aetna Inc. 26.03.476.1-WC (8/16)

Legal and financial services help estate planning

Legal servicesWith the Legal Reference™ program, you and your spouse can get free access to estate planning services. Plus, you get two will-preparation sessions a year. One for you and one for your spouse or domestic partner. Services include:

• Living wills

• Health care directives

• Durable financial power of attorney

Do you have an approved accelerated death benefit claim? If so, you get the above legal services and can meet in an attorney’s office. You also get help with:

• Uncontested guardianship documentation

• Tax planning

• Wills

Want to learn more? Call us at 1-888-257-2934. Or visit us at www.ichooselegal.com.

Financial servicesYou can receive financial counseling and planning. It’s available to you whether you’re an active employee, retiree, terminated employee having ported coverage or a beneficiary of a deceased life member.

More than life insurance coverage. It’s your essentials for various stages of life. To learn more, visit www.aetnalifeessentials.com.

Savings for healthy living

The Aetna Discount ProgramSave money on what matters most to you — because it’s your health, your wellness and your life. You can get discounts on products and services such as:

• At home products • Books

• Fitness • Hearing

• Natural products and services • Oral health care

• Vision • Weight management

Get help at the time you need it most

Funeral planning services You can access information and tools to prepare and manage all issues surrounding a funeral through our partner, Everest Funeral Planning and Concierge Services, LLC. You can access Everest to help preplan arrangements, or use them at your time of need.

There is no additional cost for these services:

• 24/7 advisory assistance: Immediate help with all aspects of planning a funeral.

• Price comparisons: Everest will research funeral home costs in your area to help you make a decision.

• Price negotiations: Everest will help negotiate with your chosen funeral home to help you get your needs met at the best available price.

• Help coordinate paying claims: Everest will help get funeral expenses paid from the life insurance payment so that your family does not have to worry about the financial and claims process.

You can talk to an adviser any time of day or night at 1-800-913-8318. Or you can visit www.everestfuneral.com/aetna. Use the Enrollment Identification Code: Aetna0100


Choosing your life insurance beneficiaryAetna Life Insurancewww.aetna.com

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*You may want to talk to an estate planner, accountant or attorney before you make your decision.** A benefit will be payable if the insured person, who must be eligible for coverage under the plan, suffers a covered loss while

coverage is in force. Limitations and exclusions may apply.

Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies, including Aetna Life Insurance Company and its affiliates (Aetna). Life insurance plans/policies are offered and/or underwritten by Aetna Life Insurance Company (Aetna).This material is for information only and is not an offer or invitation to contract. An application must be completed to obtain coverage. Rates and benefits vary by location. Health insurance plans contain exclusions and limitations. Not all health services are covered. Specific features of life insurance plans vary, depending on employers and states. Life insurance plans contain exclusions and limitations. See policy or plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to www.aetna.com.

www.aetna.com

©2015 Aetna Inc. 26.02.301.1 E (7/15)

Learn the steps in choosing who will get your life insurance payment

You have a life insurance plan from Aetna Life Insurance Company. It’s a great step in helping to protect the security of your loved ones. Now you have an important choice to make: choosing a beneficiary.*

A beneficiary is the person or legal entity who receives the life insurance payment if the insured person dies.** An example of a legal entity is a trust fund you may have set up.

If you are ready to choose a beneficiary, here are some points to think about:

1. You can name as many beneficiaries as you want.Specify whether you want each to be one of the following:

• Primary beneficiary

• Contingent beneficiary

The contingent beneficiary receives a payment only if there is no primary beneficiary entitled to payment.

Just remember to provide each person’s full name, social security number and his or her relationship to you.

2. You can designate a trust as a beneficiary.When the insured person dies, the life insurance payment can go to the trust as beneficiary.

3. You can decide how you want the beneficiary payment divided.

Use percentages. Make sure the total adds up to 100 percent. You can also choose to have the payment evenly divided among beneficiaries. Avoid using dollar amounts since your coverage amount may change.

4. There may be a court process if you designate your estate as a beneficiary.

That process, known as probate, may be used to settle an estate. It will:

• Resolve all claims and distributes property under a valid will

• Protect the deceased’s instructions

• Confirm who is the personal representative of the estate

• Protect the interests of family members who may have claims against the estate

• Protect the personal representative against claims and lawsuits

5. There may be a court process if a minor is a beneficiary.If the beneficiary is a minor, a court may need to decide who should be the guardian or conservator of the minor’s property before payment can be made.

6. It’s good to review your beneficiary choices from time to time.

Check to see if the decisions you made still fit your plans, especially after major events like a birth, marriage or divorce.

Just remember this: If you do not name a beneficiary, your benefits will be paid according to the beneficiary provision in your contract. Please see your plan documents for details.

If you need help choosing or changing your beneficiary, contact your employer’s benefits representative. Or call us at 1-800-523-5065.

Long-term disability benefits

Think of LTD coverage as insurance for your paycheck

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Page 1 of 4

Engility Corporation-Full-Time Your Summary of Long-Term Disability (LTD) Benefits Plan Effective Date: 01/01/2016

Your Long-Term Disability Benefits Financial protection during illness or injury

Coverage Basics

Am I eligible for coverage?

You qualify if you are a full-time hourly or salaried employee working at least 30 hours per week.

When does coverage become effective?

Do I have to provide proof of good health (EOI) to enroll?

How much Voluntary Long-Term Disability can I buy through my employer?

Your Long-Term Disability insurance coverage will begin on your hire date if elected within 31 days of your hire date. Coverage for late applicants will begin when approved by Aetna. You must be actively at work for your coverage to commence.

Proof of good health, known as "Evidence of Insurability (EOI)" is required to enroll for coverage if you enroll after your 31 day initial enrollment period, or to increase your current coverage in the Voluntary Long-Term Disability insurance plan. You will need to submit a medical questionnaire (EOI Form) and be approved by Aetna before your coverage will become effective. A choice of plans that pay a monthly benefit based on a percentage of your Pre-disability Earnings* for a covered disability. You must submit a claim and be approved by Aetna to receive benefits: *Generally, Pre-disability Earnings include your total income before taxes and any deductions for pre-tax contributions. Please consult your Policy Documents available through your employer for additional information, including definition of Pre-disability Earnings.

Voluntary Long-Term Disability

Option 1

Option 2

Percentage of monthly income

replacement:

50%

66⅔%

Maximum monthly benefit:

$10,000

$20,000

Benefits begin after a covered

Injury or Illness:

180 days

180 days

Benefits end at recovery or:

whichever comes first*

For disabilities starting before age 62, benefits

continue to age 65.

For disabilities starting after age 62, benefits will follow a pre-determined

schedule.

For disabilities starting before age 62, benefits

continue to age 65.

For disabilities starting after age 62, benefits will follow a pre-determined

schedule.

*

Are all types of illnesses and injuries covered?

Long-Term Disability (LTD) covers injuries and illnesses that are both work-related and non-work-related.


Age 62,but less than age 65 36 months Age 65,but less than age 67 24 months Age 67,but less than age 69 18 months Age 69 and over 12 months

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Engility Corporation-Full-Time Your Summary of Long-Term Disability (LTD) Benefits

When am I considered to be disabled?

You are considered to be totally disabled after a significant mental or physical change resulting from a disease, or injury, causes you to be unable to perform the substantial and material acts necessary for your own occupation. Also, as a result, your earnings are 80%, or less, than your adjusted Pre-disability Earnings. Your benefit will extend beyond 24 months only if you cannot perform the material duties of any reasonable occupation that you could be expected to perform satisfactorily in light of your age, education, training, experience, station in life, and physical and mental capacity. Also, as a result of your continued disability, your earnings are 60%, or less, than your adjusted Pre-disability Earnings. If your occupation requires a professional license or certification, you will not be considered disabled solely because you lose your license or certification.

Are there any offsets that may reduce Long-Term Disability?

Offsets Your benefits may be reduced if you are receiving income from other sources. Examples include: Employer sources: Government sources: • Any disability or retirement benefit

received under a retirement plan • Disability benefits received from any

statutory disability plan • Payments received from accumulated

sick time or salary continuation program related to your current employer

• Temporary disability benefits received under any state or federal workers' compensation law

• Any benefit from Social Security or similar plan or act

• Any governmental retirement system earned as a result of working for your current employer

Are there any exclusions that apply to Long-Term Disability?

Exclusions You will not receive benefits under certain circumstances. Examples include: • Your disability results from an intentional self-inflicted injury; or you became injured while

committing a criminal act or driving under the influence of alcohol/drugs. • You are not under the regular care of a doctor when requesting disability benefits. • You are receiving payment under a salary continuance or retirement plan sponsored by your

employer. Pre-existing Conditions A pre-existing condition is an illness, injury or pregnancy-related conditions for which, during the 3 months before your coverage became effective: • You were diagnosed or treated; or • You received diagnostic or treatment services; or • You took drugs that were prescribed or recommended by a physician. The plan does not pay benefits for a disability that is caused, or contributed to, by a pre- existing condition, until you have been covered under the LTD Plan for 12 consecutive months (six months if you are 65 or older).

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Engility Corporation-Full Time Your Summary of Long-Term Disability (LTD) Benefits

Are there any limitations that apply to Long-Term Disability?

Limitations • You can receive benefit payments for Long-Term Disabilities resulting from mental illness,

alcoholism and substance abuse for a total of 24 months per occurrence. This time period may be extended if you are confined to a hospital.

Is there anything else I should know about my plan?

Recurring disabilities If you return to work and become disabled again from the same illness or injury, it may be considered the same disability. You will only have to satisfy one elimination period and may be eligible to begin receiving benefits immediately if: The disability recurs during the elimination period and within 30 consecutive days of work or the disability recurs after the elimination period and within 6 consecutive months of work. Partial disabilities Partial disability benefits allow you to work, earn income and continue receiving benefits so you can receive up to 100% of your income during the first 12 months of your disability. You are considered partially disabled if, due to an injury or illness: • You are unable to perform the main duties of your own occupation • And you are earning 80% or less than your Pre-disability Earnings After the first 12 months, partial disability benefits can continue based on a formula that you will find in your policy documents. Vocational Rehabilitation and Return to Work Our goal is to help you return to gainful employment. Consultants will review each claim to determine if rehabilitation services would be appropriate and effective. We will work with your employer to provide reasonable accommodations to help you return to work. You may even qualify for an increase in your benefits by participating in a rehabilitation program.

What additional features should I know about?

Survivor Benefit If you die during a period when you qualify for disability benefits your eligible survivor will receive a lump sum equal to 6 months of your gross disability benefit.

Conversion If your employment ends, you may be eligible to convert to a disability conversion contract as a

temporary policy until you become insured under another group plan. This conversion plan can provide $4,000 of LTD coverage.

Page 4 of 4


Engility Corporation-Full Time Your Summary of Long-Term Disability (LTD) Benefits

How much does Voluntary Long-Term Disability cost?

Monthly Rates per $100 of Covered Monthly Payroll:

Option 1 Option 2

Rate $0.293 $0.527

Premium calculation

Sample Calculation: Option 1

Step 1: Annual Salary / 12 = Covered Monthly Payroll

Step 2: Covered Monthly Payroll x % Percentage of Benefit = Monthly Benefit*

Step 3: Covered Monthly Payroll / 100 = # Units

Step 4: # Units x Rate = $ Premium Per Month

Step 5: Monthly Premium x 12 = Annual Premium / # Pay Periods = $ Payroll Deduction

*Please note: Step 2 calculates monthly benefit and is not necessary for premium calculation. Subject to $10,000.00 maximum monthly benefit.

Example: Employee, $45,000 annual salary

Step 1: $45,000.00 / 12 = $3,750 Covered Monthly Payroll

Step 2: $3,750 / 100 = 37.5 # Units

Step 3: 37.5 x 0.293 (Option 1 Premium Rate) = $10.99 Premium Per Month

Monthly Benefit: $3,750 x .50 = $1,875


A disabling illness or injury can happen to anyone, anytime. So there’s a good chance that at some point in your life you may be unable to work for a time due to health problems.

If you’re like half the workers in America, you probably wouldn’t last a month without a paycheck before financial troubles set in.1

• Lost income could result in unpaid bills and bad credit.

• Unexpected medical expenses could drain your savings.

• Financial hardship could affect your quality of life.

Five reasons to buy disability insurance

1. Income protection

2. Affordable coverage

3. Steady payments

4. Back-to-work support

5. Peace of mind

Ease the pain of missing precious paydays

Your benefits package includes an Aetna Voluntary Long-Term Disability (LTD) plan. The coverage replaces a portion of your pay to help you meet your income needs while you’re out of work. You’re paid whether you become sick or are hurt on or off the job.

Think of it as insurance for your paycheck

You’ll receive benefit payments each month that can help you keep up with your bills. You can also spend the money on food, child care and other necessities. It’s like insurance for your paycheck.

More valuable features for you and your family

Most Aetna LTD plans include special features that add more value to your coverage.

Survivor benefits — If you were to die while receiving LTD payments, your family could get a lump-sum benefit.

Social Security assistance — If your disabling condition qualifies, Aetna will help you apply for Social Security disability insurance benefits.

26.03.365.1 A (7/15)

1 The Life and Health Insurance Foundation for Education (LIFE). Available at: www.lifehappens.org. Accessed October 2013.

Don’t let a disability disable your paycheckVoluntary long-term disability coverage

Long-term disability insurance policies/plans are underwritten and/or administered by Aetna Life Insurance Company (Aetna). This material is for information only and is not an offer or invitation to contract. An application must be completed to obtain coverage. Not all disability services are covered. See plan documents for a complete description of the benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change. Disability insurance plans/policies contain exclusions and limitations. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to www.aetna.com.Policy forms issued in Oklahoma include: GR-9/GR-9N and/or GR-29/GR-29N.

www.aetna.com

©2015 Aetna Inc. 26.03.365.1 A (7/15)

It’s easy to choose the right amount of coverage

The calculator at right will give you an idea how this added protection can help you lessen an income shortfall. Remember, however, that no amount of disability coverage can replace lost income entirely. Still, it may help you worry less about your finances so you can focus more on getting better.

Help is available to return to work sooner

Our LTD plan offers rehabilitation services and career counseling as added benefits. The goal is to help you get back on your feet and back to work as soon as possible.

You may even be able to work part time while on disability. If you qualify, the plan will use a portion of your benefits to supplement a smaller paycheck.

Enrollment is simple, convenient, affordable

Your employer has made it easy to sign up for our voluntary LTD plan.

It’s simple. Before enrolling, you’ll get detailed information to help you make a confident buying decision.

It’s convenient. You can enroll at work. And you can use payroll deductions to pay your premiums.

It’s affordable. You benefit from your employer’s group rates. It’s an inexpensive way to get the help you may need one day.

See your benefits manager today for more details about the Aetna Voluntary LTD plan.

Disability insurance calculator

Monthly cost of living

1. Bills Mortgage/rent, credit cards, car payments, etc. $

2. Living expenses Food, clothing, child care, utilities, gas, etc. +$

3. Other expenses Bank loans, insurance premiums, education, etc. +$

A. Total monthly cost of living Add lines 1, 2 and 3 =$

Monthly income

1. Family member earnings $

2. Alimony, investments, rent +$

3. Other sources +$

B. Total monthly income Add lines 1, 2 and 3 =$

C. Financial shortfall Subtract B from A =$

This calculator can help you estimate a financial shortfall due to lost wages. It should not be viewed as a comprehensive way of assessing your income replacement needs. You should consult a financial adviser for a thorough analysis.

What’s next? Click here to go to your enrollment

website.

26.45.300.1-V12 (4/14)

https://engilitybenefits.benefitsnow.com/