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 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.
• Long Term Care (LTC) Rider included on new policies with a minimum face value of $10,000.
• Optional Child Term Life Rider

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.

An alternative to LTC insurance is the LTC Rider that’s included with new Whole Life Insurance policies. The rider allows you to use part of the policy’s face value toward eligible care. There are a couple important differences between LTC Insurance and the LTC Rider:

• Coverage options: LTC Insurance offers multiple plan designs, and you can buy coverage for other family members. The LTC Rider is limited to you only — you can’t buy coverage for other family members.
• Costs: The cost for LTC Insurance is higher and could increase in the future. The LTC Rider is included in the cost of Whole Life Insurance and won’t change over time.

Read more about Whole Life Insurance above. If you have questions about an existing LTC policy or claim, call 1-866-679-3054 from 8 a.m. to 8 p.m., Monday – Friday.

For more information about LTC Insurance: Visit Unum or call 1-866-679-3054