2 0 1 2 B E N E F I T S G U I D E - US Xpress

XpressBenef its 9Company-Paid Life InsuranceU.S. Xpress provides a Company-paid life insurance benefit of $10,000 to all eligiblefull-time employees beginning the first month following a 90-day waiting period.Voluntary Term Life and AD&D InsuranceVoluntary employee term life insurance may be purchased through RelianceStandard in $10,000 increments (up to five times your salary with a maximum of$200,000).Voluntary employee accidental death and dismemberment (AD&D) insurancefollows the same rules as term life insurance (i.e., the minimum and maximumbenefits are the same; purchase in increments of $10,000). The monthly cost forAD&D insurance is $0.05 per $1,000 of coverage.Voluntary Term Life Insurance Rates (Based on the employee’s age as of January 1, 2012)WEEKLY COST PER $10,000 IN COVERAGEAge29 and Under30-3435-3940-4445-4950-5455-5960-6465-6970-7475+Life Rates.2093.2326.2791.4419.74421.23261.90702.97675.34888.581413.5581If you are currently participating, you may increase your coverage during annual enrollment byone times your base salary without completing an Evidence of Insurability (EOI) form. If you werepreviously eligible and are now applying for initial coverage, you will be required to submit EOI.If you have coverage and want to increase, any coverage amount over 1x earnings, rounded tothe nearest $10,000 will require EOI. If the EOI is declined, you will still receive the increase incoverage equal to 1x earnings, rounded to the nearest $10,000.If no EOI is required, increases in coverage will take effect on the first of the month followingthe election. If EOI is required, the increase in coverage will take effect on the first of the monthcoincident with or following the date the EOI has been approved. If you are not at work on theday the coverage is to take effect for any other reason than an approved vacation, the coveragewill take effect on the first day you return to work.EOI forms can be obtained by calling the Benefits Department at (800) 670-1915 or by email atbenefits@usxpress.com, from any of the major Service Centers, or on the HR Web site. Coveragewill not be effective until approved by Reliance Standard. The EOI form must be completed andsubmitted to Reliance Standard prior to December 1.The Amount of Basic and Supplemental Life Insurance will be reduced to 65% of the pre-age 65amount at age 65 and shall be further reduced to 50% of the pre-age 65 amount at age 70 andterminates at retirement.The Spouse amount of insurance will reduce in the same manner as your amount of insuranceupon your attainment of reducing ages, and terminates at your retirement.Spouse Life andAD&D InsuranceVoluntary term life and AD&Dinsurance covering your spousemay be purchased through RelianceStandard in $5,000 increments.You cannot buy more coverage foryour spouse than you buy for yourself.Rates for spouse life and AD&Dcoverage are based on theemployee’s age as of January 1, 2012.Coverage rates for your spouse arethe same as the rates for youremployee life and AD&D insurance.If you are currently participating, you mayincrease your coverage during annual enrollmentup to the guaranteed issue amount of $50,000 –or one times your base salary if below $50,000 –without completing an Evidence of Insurability(EOI) form. For any elections over the guaranteedissue amount, an EOI will be required.If you are not currently participating and electvoluntary life insurance for you or your spouseduring annual enrollment, you will be requiredto complete an EOI form.EOI forms can be obtained by calling the BenefitsDepartment at (800) 670-1915 or by email atbenefits@usxpress.com, from any of the majorService Centers or on the HR Web site. Coveragewill not be effective until approved by RelianceStandard. The EOI form must be completedand submitted to Reliance Standard prior toDecember 1.Should you leave employment withU.S. Xpress, you have 31 days tocontact the Benefits Departmentto fill out and submit an applicationto port and/or convert yourSupplementary Life Insurance plans.