2026 CODAC Benefit Summaries and Carrier Flyers

Covered Person means an Employee or Dependent who is enrolled under this Plan.

Custodial Care means non-medical care given to a Covered Person, such as administering medication and assisting with personal hygiene or other Activities of Daily Living, rather than providing therapeutic treatment and services. Custodial Care services can be safely and adequately provided by persons who do not have the technical skills of a covered health care provider. Custodial Care also includes care when active medical treatment cannot be reasonably expected to reduce a disability or improve the condition of a Covered Person. Deductible means an amount of money paid once per Plan Year by the Covered Person (up to a family limit, if applicable) before any Covered Expenses are paid by the Plan. The Schedule of Benefits shows the amount of the applicable Deductible (if any) and the health care benefits to which it applies.

Dependent – see the Eligibility and Enrollment section of this SPD.

Developmental Delays means conditions that are characterized by impairment in various areas of development, such as social interaction skills, adaptive behavior, and communication skills.

Domestic Partner means a relationship between an Employee and one other person of the same or opposite sex. All of the following requirements apply to both persons:

• They must not be related by blood or a degree of closeness that would prohibit marriage in the law of the state in which they reside; • They must not be currently married to, or a Domestic Partner of, another person under with statutory or common law; • They must be at least 18 years old; • They must share the same permanent residence and the common necessities of life; • They must be mentally competent to enter into a contract; • They must be financially interdependent;

The Employee and Domestic Partner must jointly sign an affidavit of domestic partnership provide by Human Resources upon our request.

Durable Medical Equipment means equipment that meets all of the following criteria:

It can withstand repeated use.

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• It is primarily used to serve a medical purpose with respect to an Illness or Injury. • It is generally not useful to a person in the absence of an Illness or Injury. • It is appropriate for use in the Covered Person’s home.

A cochlear implant is not considered Durable Medical Equipment.

Effective Date means the first day of coverage under this Plan as defined in this SPD. The Covered Person’s Effective Date may or may not be the same as his or her Enrollment Date, as Enrollment Date is defined by the Plan.

Emergency means a serious medical condition, with acute symptoms that a Prudent Layperson would seek immediate care and treatment in order to avoid jeopardy to the life and health of the person.

Employee – see the Eligibility and Enrollment section of this SPD.

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