If your illness or injury is caused by a third party's act or omission, Cigna may have subrogation rights. For more information, see the "Expenses for Which a Third Party May Be Liable" section of the Schedule of Benefits, available at https://totalrewards.stryker.com/spd/2024-medical-certificate.pdf.

Benefits under the Cigna option are fully insured. Medical, prescription drug, dental and vision benefit disbursements are made pursuant to a contract between Cigna Health and Life Insurance Company and Stryker. Life, AD&D and disability benefit disbursements are made pursuant to a contract between Life Insurance Company of North America and Stryker. Information regarding how to contact both Cigna Health and Life Insurance Company and Life Insurance Company of America may be found in the Summary of Benefits.