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W International provides eligible employees Voluntary Short-Term Disability, Voluntary Long-Term Disability, Group Life
and AD&D, Voluntary Life and AD&D, Voluntary Accident, Voluntary Critical Illness and Voluntary Hospital Insurance
through Unum. In the event you become disabled from a non-work-related injury or sickness, disability income
coverage is a valuable benefit which replaces a portion of your income when you are unable to work.

Life and AD&D insurance provides a benefit to your beneficiary in the event of your death while you are
employed. The AD&D amount is equal to your life insurance amount and is also payable to your beneficiary in the event
your death is a result of an accident. The AD&D insurance may also pay a benefit to you if you have certain injuries.
Please refer to the benefit summaries for limitations and exclusions.

Unum

Weekly Benefit: 60% of your before-tax weekly earnings, not to exceed
$1,000 per week.
Short-Term Disability Elimination Period: Benefits begin on the 8 day of your disabling injury or the 8 day
th
th
100% Employee Paid of your disabling illness (7 day elimination period).
Maximum Duration: up to 12 weeks

Benefit: 60% of your before-tax monthly earnings, not to exceed $5,000 per month.

Elimination Period: 90 Calendar Days after the onset of your disabling injury or
Long-Term Disability illness or the date your short-term disability ends.
100% Employee Paid

Maximum Duration: If you become disabled prior to age 60, benefits are payable to age
65, your Social Security Normal Retirement Age, but not less than 5 years. At age 60 (and
older), the benefit period will be based on a reduced duration schedule.

Coverage Amount: $10,000

Group Life and AD&D Benefit Reduction: 65% when you reach age 70 and to 50% when you reach age
100% Employer Paid 75.

Portability is available.

Note: This is intended to be an easy-to-read summary (not a contract); the above items are only highlights of the plans. Additional
limitations and exclusions may apply. For a full description of your coverage, please refer to your Certificate of Coverage. In the
event of any inconsistencies with the comparison and the insurer’s Certificate of Coverage, the Certificate will control.

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