This coverage pays a daily benefit for a covered stay in a hospital, critical care unit, or rehabilitation facility. You don’t have to enroll for medical coverage through MDLZ to elect Hospital Indemnity Insurance. This coverage is in addition to any medical and even Critical Illness Insurance coverage you may have in place. There are two coverage levels offered through Voya Employee Benefits (Voya):

• High Plan
• Low Plan

The benefit amount you receive payment is based on the coverage level you elect (High or Low), the type of facility, and the specifics of the stay (such as the number of days you stay). Be sure to review the certificate of coverage for a complete description of the benefit available (access the certificate of coverage posted here).

Coverage is also available for your spouse/domestic partner and/or child(ren) under the same coverage level that you choose for yourself. Your cost—which you pay for on an after-tax basis through payroll deductions—depends on your age, coverage level, and who you cover.

You can use the benefit payment to help pay for items such as:

• Deductibles and copays
• Your mortgage or rental payments
• Travel expenses, for example if you’re receiving care in a different city
• Everyday expenses such as utility bills, electricity, groceries, and gas
• Lost income due to missed time from work