Page 46 - Touching All the Bases- Power point 2023 v2_Neat

Major League Baseball Properties, Inc.

Long Term Disability Insurance
replaces part of your income if a disability keeps you out of work
for a long period of time.

How does it work? What’s covered?
This employer-paid coverage pays a monthly benefit if you
have a covered illness or injury and you can’t work for a few This insurance may cover a variety of conditions and
months — or even longer. injuries. Here are Unum’s top reasons for long term
You’re generally considered disabled if you’re unable to do disability claims: 1
important parts of your job —and your income suffers as • Cancer
a result. • Back disorders
• Injuries and poison
Why is this coverage so valuable? • Cardiovascular
Your employer is paying the cost of this coverage.You can • Joint disorders
use the money however you choose. It can help you pay This plan does not cover pre-exisiting conditions. See
for your rent or mortgage, groceries, out-of-pocket medical the disclosure section to learn more.
expenses and more.

What else is included?
How much coverage can Iget? Survivor benefit
If you die while you’ve been disabled and receiving benefits
You* You are eligible for coverage if you are an active for at least 180 days, your family could get a benefit equal to
employee in the United States working a minimum of
30 hours per week. 3 months of your gross disability payment.
Coverage amounts Waiver of premium
Cover 60% of your monthly income, up to a maximum If you’re disabled and receiving benefit payments, Unum
payment of $15,000. waives your cost until you return to work.
Consider your monthly expenses
*See the Legal Disclosures for more information.
The monthly benefit may be reduced or offset by other sources of income. The IRS may
Food certain benefit payments. See your tax advisor for details.
require you to pay taxes on $_______
Transportation _______
(gas, car payments, repairs)paying the cost of this
Major League Baseball Properties, Inc. is
! coverage. Coverage is guaranteed so you don’t have to answer
Child care/elder care
_______
medical questions.
Mortgage/rent _______
Utilities (EP)
Elimination period _______
Your elimination period is 180 days. This is the
(electric, water, cable, phone) number of days that
must pass after a covered accident or illness before you can begin to
_______
Medical costs
receive benefits. (co-pays, medications)
Benefit duration (BD) _______
Insurance
(health, life, car, home) can receive benefits while
This is the maximum length of time you What our customers have to say:
you’re disabled. You can receive benefits up to the Social Security
Total monthly expenses
normal retirement age. $_______ Maria
FOR EN-2044 (7-18)
“I’m so thankful to have Unum Disability Insurance.”
EMPLOYEES Archer
“No one should be without it.”
1 Unum internal data, 2016. Note: Causes are listed in ranked order. See more at: unum.com/reviews