Sun Life Short Term Disability

Sun Life Base-Plan, Enhanced-Plan & Enhanced-Plan Plus

The BLET Short-Term Disability Insurance Plan provides benefits for eligible participants who cannot work due to a disability that help protect your paycheck. The benefits replace a portion of your income if you are out of work due to a qualified illness or injury. The Plan covers eligible locomotive engineers currently working on a railroad participating in Article IV, Part A, Section 5 of the December 16, 2003 National Agreement (please note: BNSF, NS and Amtrak do not participate in this Plan).

The plan has three portions:

• Base-Plan
• Enhanced-Plan
• Enhanced-Plan Plus

Schedule of Benefits for Base-Plan Coverage

Eligibility for the Base-Plan is based on the payment of the monthly premium submitted by your railroad to the BLET Disability and Welfare Trust Fund.

To be eligible for the Base-Plan, you must have a minimum of 7 starts in the month, at least 1 as an engineer.

• Your eligibility in any month is based on your work history for the previous month.
• For example: To be eligible for coverage in July, you would have to have a minimum of seven starts with one start as a locomotive engineer in June (previous month).
• In any month for which you do not meet this work history, you will lose Base-Plan coverage for the following month.

The Base-Plan benefit:

• Covers on and off the job disabilities
• $300 per week with a 21-day elimination period from the date of medical disability.
• The maximum benefit period is 35 weeks.

Base-Plan benefits are taxable as ordinary income — you will receive a W-2.

Benefits are not subject to repayment upon receipt of a FELA settlement (no repayment after a personal injury settlement).

SCHEDULE OF BENEFITS FOR ENHANCED-PLAN COVERAGE

The Enhanced-Plan is voluntary. Participation in this Enhanced-Plan Short-Term Disability is not required as a condition of your employment.

NOTE: Enrollment and participation in the Enhanced-Plan may only take place during the periodic open enrollments.

The Enhanced-Plan benefit:

• Covers on and off the job disabilities
• Pays $102 per week* with a 21-day elimination period from the date of medical disability.
• The maximum benefit period is 35 weeks.

*Benefit increases to $402 per week for up to 35 weeks, if Base-Plan eligibility is met.

Enhanced-Plan monthly premium is $25.00 which is paid for via monthly ACH by each participant.

The $102 benefit of the Enhanced-Plan is non-taxable.

Benefits are not subject to repayment upon receipt of a FELA settlement (no repayment after a personal injury settlement).

SCHEDULE OF BENEFITS FOR ENHANCED-PLAN PLUS COVERAGE

The Enhanced-Plan Plus is voluntary. Participation in this Enhanced-Plan Plus Short-Term Disability is not required as a condition of your employment.

NOTE: Enrollment and participation in the Enhanced-Plan Plus may only take place during the periodic open enrollments.

The Enhanced-Plan benefit:

• Covers on and off the job disabilities
• Pays $102 per week* with a 21-day elimination period from the date of medical disability.
• The maximum benefit period is 52 weeks.

* Benefit increases to $402 per week for up to 52 weeks, if Base-Plan eligibility is met.

Enhanced-Plan monthly premium is $40.00 which is paid for via monthly ACH by each participant.

The $102 benefit of the Enhanced-Plan Plus is non-taxable.

Benefits are not subject to repayment upon receipt of a FELA settlement (no repayment after a personal injury settlement).