Income Protection

• Available at no cost to you if eligible. See Eligibility requirements
• Receive basic life insurance, equal to one time your annual base salary rounded up to the next $1,000, to a maximum of $300,000.
• Includes basic accidental death and dismemberment (AD&D) insurance equal to the amount of life insurance coverage to which you are entitled.
• AD&D insurance may pay benefits if you die or suffer certain serious injuries as a result of an accident.
• Coverage for new employees with a completed enrollment is effective on the first of the month following date of hire.

• Purchase an additional one to seven times your annual base salary rounded up to the next $1,000, to a maximum of $2 million.
• The amount of life insurance available may be reduced based on your age.
  • If you are between the ages of 70 and 74, your amount of life insurance will be 65% of the amount of life insurance you had before age 70.
  • If you are age 75 or older, your amount of life insurance will be 50% of the amount of life insurance you had before your first reduction.Any increase or decrease in the amount of your insurance due to a change in your annual earnings will be added or subtracted from the original amount in force before age 70, and the recalculated amount will be reduced according to this reduction. If you become insured on or after age 70, this reduction will be applied to your amount of insurance.

Purchase coverage

• For your legal spouse: options range from $10,000 to $250,000
• For your child(ren): options range from $5,000 to $25,000

Rate information is available when you enroll.

• Pays benefits based on the injury and treatment needed, including emergency room care and related surgery.
• The benefit can help offset the out-of-pocket expenses that medical insurance does not pay, including deductibles and copays.
• Family coverage is available.
• You must be legally authorized to work in the U.S. and actively working at a U.S. location.
• Spouses and dependents must live in the U.S. to receive coverage.

For complete details on coverage and availability: Visit Unum  or call 800-635-5597.

• Pays a death benefit to your beneficiaries.
• Also builds cash value you can use while you are living.
• The policy accumulates cash value at a guaranteed rate of 4.5%.
• Once your cash value builds to a certain level, you can borrow from the cash value or use it to buy a smaller “paid-up” policy with no more premiums due.

For complete details on coverage and availability: Visit Unum or call 800-635-5597.

• Voluntary program that can help you preserve your independence, as well as help relieve your family’s stress if you need home care, nursing home care or assisted living care.
• Coverage is also available for your spouse and parents.
• Discounts are available for preferred health and spousal coverage.

For more information: Visit Unum or call 800-227-4165