Supplemental Medical

Supplemental medical plans provide cash payments in the event of a significant unexpected medical expense. You pay the full cost of coverage through post-tax payroll deductions. Be sure to consider your anticipated medical needs for the coming year — for example, a major surgery — when deciding if supplemental coverage is right for you.

Sonos offers three different types of supplemental medical plans.

Accident Insurance through Lincoln Financial Group helps protect you from unexpected financial stress if you or a covered family member has an accident. This plan pays benefits for a long list of covered minor and serious injuries.

When you receive a benefit, it's extra cash to use as you choose. You can use the money to pay out-of-pocket expenses not covered by your medical plan (such as your deductible or coinsurance) or for anything else (such as rent, utilities, and other living expenses).

This plan provides financial protection by paying you a benefit for things like:

• Injuries including fractures, dislocations, concussions, lacerations, eye injuries, torn knee cartilage, ruptured discs, and severe burns.
• Medical services and treatments including ambulance, emergency care, therapy services, medical testing (for example, X-rays, MRIs, CT scans), and medical appliances.
• Hospitalization including hospital admission and confinement after an accident.

You can choose from a Low Option and a High Option. Some examples of benefits payments are as follows:

	Low Option	High Option
Emergency Treatment
Ambulance Emergency care X-ray	$300 $200 $40	$400 $200 $100
Hospitalization (due to accident)
Hospital admission Hospital daily confinement	$1,000 $100	$2,000 $200
Fractures
Ankle Leg (hip to knee) Leg (knee to ankle) Vertebral body	$575 $1,250 $1,000 $1,000	$575 $1,750 $1,300 $1,275
Specific Injuries
2nd degree burns Concussion Dental crown Dental extraction	$500 $100 $150 $50	$800 – $1,000 $200 $300 $100
Wellness Benefit
Benefit payment for you and any covered family member who completes a covered assessment test	$50/year per person	$50/year per person

For a complete list of covered services and payouts, review the Accident Summary – Low Option and Accident Summary – High Option.

Cost of Coverage (Bi-Weekly)

Coverage Tier	Low Option	High Option
Employee Only	$2.21	$3.30
Employee + Spouse/DP	$4.20	$6.34
Employee + Children	$4.50	$6.66
Family	$6.38	$10.45

When a serious illness strikes, Critical Illness Insurance — available through Lincoln Financial Group — can provide financial support to help you through a difficult time. It protects against the financial impact of certain illnesses, such as a heart attack, cancer, stroke, or organ transplants.

If you are diagnosed with a covered illness, you receive a lump-sum benefit to cover out-of-pocket expenses for your treatment, to pay your coinsurance, or to take care of your everyday living expenses such as housekeeping services, special transportation services, and child care. However, it's completely up to you how you use the money.

Coverage options are:

• Employee coverage: Low Option provides a benefit up to $15,000 or the High Option provides up to $30,000.
• Spouse and child(ren) coverage: If you enroll family members, they will be covered up to half of your elected employee coverage, either $7,500 for the Low Option or $15,000 for the High Option. Coverage for a spouse or child(ren) must be added in Workday. There is a cost for spouse coverage, but children are covered at no extra charge.

Some examples of benefits payments are:

Coverage	Employee Benefit (Percentage of $15,000 or $30,000 Election)
Heart Attack Stroke Major organ failure (heart, lung, liver, pancreas, or intestine) End stage renal (kidney) failure Invasive cancer Advanced Alzheimer's disease Childhood conditions (cerebral palsy, spina bifida, type 1 diabetes)	100%
Arterial/vascular disease Noninvasive cancer (in situ)	25%
Wellness benefit payment for you and any covered family member who completes a covered assessment test	$50/year per person

For a complete list of covered services and payouts, review the Critical Illness Summary.

Cost of Coverage

The tables below show two options for the cost of Critical Illness Insurance coverage, for tobacco and non-tobacco users.

Bi-Weekly Cost : Non-Tobacco User

Age	Employee/Employee + Children		Employee + Spouse/DP/Family
	Low Option	High Option	Low Option	High Option
<25	$1.30	$2.60	$1.89	$3.78
25 – 29	$1.62	$3.24	$2.28	$4.56
30 – 34	$2.17	$4.33	$2.96	$5.93
35 – 39	$2.89	$5.77	$3.86	$7.71
40 – 44	$3.99	$7.98	$5.23	$10.47
45 – 49	$5.23	$10.45	$6.78	$13.57
50 – 54	$7.53	$15.05	$9.67	$19.34
55 – 59	$9.60	$19.19	$15.34	$24.94
60 – 64	$15.39	$30.78	$19.51	$39.02
65 – 69	$21.85	$43.70	$27.60	$55.19
70+	$35.28	$70.56	$44.35	$88.70

Bi-Weekly Cost: Tobacco User

Age	Employee/Employee + Children		Employee + Spouse/DP/Family
	Low Option	High Option	Low Option	High Option
<25	$1.39	$2.78	$2.00	$4.00
25 – 29	$1.82	$3.64	$2.53	$5.07
30 – 34	$2.59	$5.18	$3.50	$6.99
35 – 39	$3.76	$7.52	$4.96	$9.92
40 – 44	$5.72	$11.44	$7.41	$14.82
45 – 49	$8.21	$16.42	$10.53	$21.06
50 – 54	$12.72	$25.45	$16.15	$32.30
55 – 59	$19.12	$38.24	$24.18	$48.35
60 – 64	$29.60	$59.19	$38.72	$77.44
65 – 69	$43.42	$86.84	$54.60	$109.19
70+	$59.23	$118.45	$74.32	$148.65

A trip to the hospital can be stressful, and so can the bills. Even with a major medical plan, you may still be responsible for copays, deductibles, and other out-of-pocket costs. Offered through Lincoln Financial Group, the Hospital Indemnity Plan can help offset your share of the cost associated with a covered sickness or accident. When you receive a benefit from this plan, you can use it to help cover your out-of-pocket costs for things like a hospital stay, ambulance service, surgery, and certain inpatient or outpatient treatments. However, it's completely up to you how you use the money.

You can choose from a Low Option and a High Option. Here are some examples of what an employee would receive as a benefit payment:

	Low Option	High Option
Hospital Admission (pays on the initial day of a hospital stay)	$1,500 per 1 day year	$2,000 per 1 day per year
Hospital Stay (Daily) (pays a daily benefit beginning on day two for a non-ICU room)	$150 per day Up to 30 days per year	$200 per day Up to 30 days per year
Newborn Routine Care (inpatient birth)	$200 per day Up to 2 days per year	$200 per day Up to 2 days per year
Hospital Stay in ICU (pays a daily benefit beginning on day one for an ICU room)	$300 per day Up to 30 days per year	$400 per day Up to 30 days per year
Wellness Benefit (payment for you and any covered family member who completes a covered assessment test)	$50/year per person	$50/year per person

For a complete list of covered services and payouts, review the Hospital Indemnity Summary.

Cost of Coverage (Bi-Weekly)

Coverage Tier	Low Option	High Option
Employee Only	$6.88	$8.97
Employee + Spouse/DP	$15.25	$19.93
Employee + Children	$11.77	$15.35
Family	$19.50	$25.32