Ed. 09.2010 ECEd.12.2010-11703 Exp. 06.2012IFS-A090156 0181193-00004-00 108309

The Prudential Insurance Company of America

MISSISSIPPI DEPARTMENT OF REVENUE

Long Term Disability Insurance

Why you need disability insurance

Why you should buy disability insurance at work

How much disability insurance you can buy

When disability benefits are payable

How much disability insurance will cost

How to enroll

Plus, plan features and answers to common questions

WHAT'S INSIDE

2

Why you need disability insurance...................................................................................................................3

Why you should buy disability insurance at work............................................................................................4

How much disability insurance you can buy....................................................................................................5

When disability benefits are payable................................................................................................................5

How much disability insurance will cost...........................................................................................................8

How to enroll................................................................................................................................................10

Why you need disability insurance...................................................................................................................3

Why you should buy disability insurance at work............................................................................................4

How much disability insurance you can buy....................................................................................................5

When disability benefits are payable................................................................................................................5

How much disability insurance will cost...........................................................................................................8

How to enroll................................................................................................................................................10

1 Social Security Adminstration, Fact Sheet, Jan 31, 2007

2 The American Journal of Medicine, June 4, 2009 3

Why you need disability insurance

"Why do I need disability insurance?"

If you think a disability won't happen to you, you might be surprised to learn that:

Ÿ Almost one-third of Americans entering the workforce today (3 in 10) will becomedisabled before they retire.1

Think about how our world has changed. Technological advances, like airbags forinstance, protect you from death, and modern medicine can keep you alive. But thatdoesn't mean you'll be able to work on a full-time basis.

Then, too, a serious illness or injury can result in a heavy financial burden. A HarvardUniversity report revealed that 62 percent of all personal bankruptcies filed in the U.S.in 2007 were due to an inability to pay for medical expenses.2

"How can disability insurance help?"

If you are sick or injured, disability insurance can help maintain your financial securityby replacing a portion of your lost income--provided you are partially or totallydisabled.

Enrolling now in Long Term Disability insurance helps ensure coverage to:

ü Get you back to work with rehabilitation programs and worksitemodification.

ü Pay for your disability coverage while you are disabled.

Long Term Disability insurance is important because you may not be eligible for SocialSecurity disability payments--they are limited to individuals with disabilities expected tolast at least 12 months or end in death. To qualify for these benefits, you must beunable to engage in any type of work, as defined by Social Security.

"How can I help protect my financial stability?"

Buy disability insurance at work. Your employer offers you the opportunity topurchase group disability insurance issued by The Prudential Insurance Company ofAmerica.

Because disability insurance replaces a portion of your lost income when you aretotally or partially disabled, it can help you pay your bills.

ENROLL NOW with theenclosed Enrollment Form!

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Why you should buy disability insurance at work

What are the advantages of buying disabilityinsurance at work?

ü It's convenient. There are no confusing quotes to sort through. Andwith automatic payroll deductions, you never have to worry about latepayments.

ü It's economical. The cost of group insurance may be lower thaninsurance you could find on your own.

Read on to select theamount of insurancethat's right for you!

Peace of Mindfrom Prudential

Prudential's resources, financialstrength, and stability allow us tohonor long-term commitments,which means that we'll be herewhen you and your family need us.We've been a top insuranceprovider for over 130 years.

Plus, we have caring professionalsto provide your beneficiaries withthe kind of customer support theywant and deserve. Our CustomerService Representatives arewell-trained, knowledgeableprofessionals who can quicklyanswer your family's questions.

By choosing the insuranceprotection from Prudential, yougive yourself peace of mind,knowing you are providing for yourloved ones.

For more information aboutPrudential's Group Insurance, visitus online at:www.prudential.com/gi.

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How much disability insurance you can buy

"How much disability insurance can I buy?"

For Long Term DisabilityYour monthly Long Term Disability benefit will be 60% of your monthly pre-disability earnings, up to themaximum of $5,000, less deductible sources of income.** No medical questions asked - if enrolling when firsteligible.

The minimum monthly benefit is $100.

** Deductible sources of income may include benefits from statutory plans, Social Security for you and yourdependents, workers' compensation, unemployment income and other income.

When disability benefits are payable

"When are disability benefits payable?"

For Long Term DisabilityIf you meet the definition of disability, your benefits will begin 180 days following an accidental injury orsickness. The benefit duration is up to your normal retirement age under the Social Security Act. However, if youbecome disabled at or after age 65 benefits are payable according to an age-based schedule. Refer to theBooklet-Certificate for details.

You are considered disabled when, because of injury or sickness, you are unable to perform the material andsubstantial duties of your regular occupation, you are under the regular care of a doctor and your disabilityresults in a loss of income of at least 20%. After receiving benefits for 24 months, you are considered disabledwhen, due to the same sickness or injury, you are unable to perform the material and substantial duties of anygainful occupation for which you are reasonably fitted by education, training or experience, and disability resultsin a loss of income of a specified percentage determined by your plan.

"What plan features does this insurance offer?"

You get attractive premiums, plus you'll get the plan features mentioned below.

For Long Term Disability

LTD Zero Day Residual Provision--You can satisfy the elimination period without being totally disabled if youare unable to perform the material and substantial duties of your regular occupation due to sickness or injury,you are under the regular care of a doctor, and you have a 20% or more loss in earnings.

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LTD Partial Disability Benefit--You can work while disabled and remain eligible for all or part of yourdisability benefits. You must have a 20% loss in earnings, and benefits may be reduced by part-time earnings.

Read on to select theamount of insurancethat's right for you!

LTD Return-to-Work Incentive--During the first 12 months of part-time work while disabled, you can receivefull benefits as long as your combined income and disability benefits do not exceed your monthly indexedearnings.

For Long Term Disability Only

Worksite Modification--The Prudential Insurance Company of America may identify a worksite modificationthat is likely to help you remain at work or return to work. Your employer may be reimbursed for the cost ofsuch modification. This provision may vary by state. See your plan booklet for details.

LTD Survivor Benefit--A survivor benefit is payable to your spouse or children in the event of your death andbeing disabled for at least 180 days and receiving or expected to receive LTD benefits. The survivor benefit is 3times your gross disability payment and it is payable to your spouse or children under age 25.

Waiver of Premium--While disabled, payment of your disability insurance premium will be waived followingthe elimination period.

Rehabilitation Program--Prudential may elect to offer and pay for a rehabilitation program. The rehabilitationprogam may include such services as vocational evaluation, job placement assistance, resume preparation,job-seeking skills training, and/or retraining for a new occupation. Your participation in this rehabilitationprogram is required and may affect payment of benefits.

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Enhanced Rehabilitation Program--This program includes:

Ÿ Enhanced Rehabilitation Benefit--If you participate in a rehabilitation program approved by Prudential,you will receive an additional monthly benefit equal to a specified percentage of the monthly benefit paymentfor a specified period of time. This benefit will be reduced if it, together with the monthly LTD benefit, exceedsthe maximum monthly benefit.

Ÿ Spouse and Elder Care Benefit--If you participate in a rehabilitation program approved by Prudential, andhave a chronically ill or disabled spouse, or certain other family members who are chronically ill or disabled, youmay receive an additional monthly benefit (for each eligible family member) to help cover the eligible spouseand elder care expenses for a specified period of time.

Ÿ Day Care Benefit--If you participate in a rehabilitation program approved by Prudential, you may receive anadditional monthly benefit (for each eligible child) to help with day care expenses. This benefit is payable for aspecified period of time.

How much disabilityinsurance will cost

"How much does LTD insurance cost?"

Use the chart below to find the cost of LTD insurance. If your salary is not noted, follow the steps below. Your maximummonthly benefit amount is up to $5,000. All salaries of $100,000 and above have a monthly cost of $47.92.

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Step 1 Indicate your monthly earnings. = $

Step 2If your monthly earnings are greater than the maximum monthly coveredearnings of $8,333, indicate $8,333. Otherwise, indicate the amount from Step1.

= $

Step 3Multiply the amount in Step 2 by the rate of $0.00575 to obtain your total LTDmonthly cost.

= $

Monthly Cost per Coverage Amount -Rates are effective 01/01/2011 and may be subject to change.

Annual Income Monthly Benefit LTD Cost Annual Income Monthly Benefit LTD Cost

$12,000 $600.00 $5.75 $55,000 $2,750.00 $26.35

$13,000 $650.00 $6.23 $60,000 $3,000.00 $28.75

$14,000 $700.00 $6.71 $65,000 $3,250.00 $31.15

$15,000 $750.00 $7.19 $70,000 $3,500.00 $33.54

$20,000 $1,000.00 $9.58 $75,000 $3,750.00 $35.94

$25,000 $1,250.00 $11.98 $80,000 $4,000.00 $38.33

$30,000 $1,500.00 $14.38 $85,000 $4,250.00 $40.73

$35,000 $1,750.00 $16.77 $90,000 $4,500.00 $43.13

$40,000 $2,000.00 $19.17 $95,000 $4,750.00 $45.52

$45,000 $2,250.00 $21.56 $100,000 $5,000.00 $47.92

$50,000 $2,500.00 $23.96

Rates may change if plan experience requires a change for all insureds.

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"Who can answer my questions?"

Here are the answers to some common questions regarding these insurancecoverages. For additional information, contact your Human ResourcesDepartment or Benefits Administrator.

"When can I enroll for disability coverage?"The easiest way to enroll is to sign up during an enrollment period or when firsteligible. If you enroll at any other time, you will need to provide evidence ofgood health satisfactory to Prudential.

"Can I drop this disability coverage at any time?"Yes, subject to your company's administrative policies.

"Can I apply for disability coverage after the enrollment period?"You may be eligible to enroll for benefits after the enrollment period. However,evidence of insurability satisfactory to Prudential may be required. Pleasecontact your Benefits Administrator for details.

"When will disability coverage go into effect?"

For your coverage to become effective, you must be actively at work during theenrollment period and on the effective date of your coverage.

"Are any disabilities limited in coverage?"

Yes. Disabilities due to mental illness are limited to 24 months of benefitsduring your lifetime. Examples of mental illness include schizophrenia,depression, manic depressive or bipolar illness, anxiety, somatization, substancerelated disorders (including drug and alcohol abuse), and/or adjustmentdisorders. Disabilities which are primarily based on self-reported symptoms arelimited to 24 months of benefits during your lifetime. Examples ofself-reported symptoms include headache, pain, fatigue, stiffness, soreness,ringing in the ears, dizziness, numbness and loss of energy. Disabilities due tomental illness and disabilities which are primarily based on self-reportedsymptoms have a combined limited pay period during your lifetime.

"Are any disabilities excluded from coverage?"

Yes. You are not covered for a disability caused by war or any act of war, anintentionally self-inflicted injury, active participation in a riot, and commission ofa crime for which you have been convicted. Benefits are not payable for anyperiod of incarceration as a result of a conviction.

IFS-A090156

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Ed. 09.2010 ECEd.12.2010-11703 Exp. 06.2012

LTD benefits will not be paid for a disability that begins during the first 12months of coverage and due to a pre-existing condition. A pre-existingcondition is an injury or sickness for which you received medical treatment,consultation, diagnostic measures, prescribed drugs or medicines, or for whichyou followed treatment recommendations during the 3 months prior to youreffective date of coverage. This provision also applies if you did not consult aphysician when an ordinarily prudent person would have.

"Can I convert my disability coverage if I leave my presentemployment?"

LTD coverage cannot be converted.

How to enroll

"How can I enroll?"

To enroll, simply complete the Enrollment Form. Then, return it as instructed.After the date your group insurance becomes effective, you will receive aBooklet-Certificate that details your plan provisions.

Implementation of the insurance plan(s) will depend upon having a specific percentage of alleligible employees enrolling in the plan(s). In the event the minimum participation level is notmet, Prudential retains the right to re-evaluate the rates, require a re-enrollment, reduce the rateguarantee period, or terminate coverage.

All benefit features may not be available in all states.

Disability coverage is issued by The Prudential Insurance Company of America, aNew Jersey Company, 751 Broad Street, Newark, NJ 07102. DisabilitySupport: 1-800-842-1718. Prudential, the Prudential logo, and the Rocksymbol are service marks of The Prudential Insurance Company of America,Newark, NJ, and its related entities, registered in many jurisdictions worldwide.This brochure is intended to be a summary of your benefits and does notinclude all plan provisions, exclusions and limitations. Please refer to theBooklet-Certificate, which is made a part of the Group Contract, for all plandetails, including any exclusions, limitations and restrictions which may apply. Ifthere is a discrepancy between this document and theBooklet-Certificate/Group Contract issued by The Prudential InsuranceCompany of America, the Group Contract will govern. Contract provisionsmay vary by state. Contract Series: 83500. California COA # 1179 NAIC #68241

The Prudential Insurance Company of America - Enrollment Form751 Broad Street • Newark, NJ 07102

MISSISSIPPI DEPARTMENT OF REVENUE

Enrollment Form continued on next page.

GL.2007.194 Ed. 09.2010 ECEd.12.2010-11703 Exp. 06.2012

(For office use only)

Effective Date of Coverage:Control No.:44500

Return Completed Application to:

Human Resources

1. Employee Information

Last Name First Name MI

Street Address City State Zip Code

Social Security Number Marital Status Your Date of Birth (mm/dd/yyyy)o Single o Marriedo Divorced o Widowed / /

Date Employed (mm/dd/yyyy) Your Annual Earnings$/ /

2. Coverage ElectionsPlease make your supplemental enrollment selections below.

Check Each Applicable Box Coverage Amount Chosen Payroll Deduction

Yes No

o o Long Term Disability Insurance $

Total Cost $

For coverage to become effective, you must be actively at work on the effective date of the plan. If you apply for an amount that requiresevidence of good health, you must be actively at work on the date of approval for the amount requiring evidence of good health. In the future, ifyou wish to enroll for employee-paid insurance, increase coverage amounts, or add dependent coverage, you may be required to furnishevidence of insurability for yourself. If you are confined for medical treatment at home or elsewhere, coverage will begin when confinement ends.

GL.2007.194 Ed. 09.2010 ECEd.12.2010-11703 Exp. 06.2012

3. Authorization

Yeso

Noo

I am enrolling for insurance issued by The Prudential Insurance Company of America as indicated on the previous page andauthorize my employer to deduct the required contribution from my paycheck. I certify that the information contained in thisenrollment form is true and complete, and understand that my contribution is based on that information. I also understand that thereare criminal and civil penalties for giving false information, including but not limited to fines and confinement in prison. Detailed andstate-specific warnings appear below.

IMPORTANT NOTICE:For residents of all states except District of Columbia, Florida, Kentucky, New Jersey, New York, Pennsylvania, Utah, Virginia, Vermontand Washington -WARNING: Any person who knowingly and with intent to injure, defraud, or deceive any insurance company or other person, or knowing that heis facilitating commission of a fraud, submits incomplete, false, fraudulent, deceptive or misleading facts or information when filing an insuranceapplication or a statement of claim for payment of a loss or benefit commits a fraudulent insurance act, is/may be guilty of a crime and may beprosecuted and punished under state law. Penalties may include fines, civil damages and criminal penalties, including confinement in prison. Inaddition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant or if the applicantconceals, for the purpose of misleading, information concerning any fact material thereto.

Receipt of accelerated death benefits may affect eligibility for public assistance programs and may be taxable. There is noadministrative fee to accelerate death benefits. The accelerated amount is not discounted.

Employee Signature (Sign in ink.) Date

backcover

IFS-A090156 Ed. 09.2010 ECEd.12.2010-11703 Exp. 06.2012