Page 80 - 2022 MLB Benefit Guide 08.2022

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
1
disability claims:
You’re generally considered disabled if you’re unable to do
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 I get? Survivor benefit
If you die while you’ve been disabled and receiving benefits
You* You are eligible for coverage if you are an active
employee in the United States working a minimum of for at least 180 days, your family could get a benefit equal to
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
require you to pay taxes on certain benefit payments. See your tax advisor for details.
_______
! Transportation
(gas, car payments, repairs)
Major League Baseball Properties, Inc. is paying the cost of this
coverage. Coverage is guaranteed so you don’t have to answer
Child care/elder care
medical questions. _______
Mortgage/rent _______
Elimination period (EP) _______
Utilities
Your elimination period is 180 days. This is the number of days that
(electric, water, cable, phone)
must pass after a covered accident or illness before you can begin to
receive benefits. Medical costs _______
(co-pays, medications)
Benefit duration (BD) _______
Insurance
This is the maximum length of time you can receive benefits while What our customers have to say:
(health, life, car, home)
you’re disabled. You can receive benefits up to the Social Security
normal retirement age. Maria
Total monthly expenses $_______
“I’m so thankful to have Unum Disability Insurance.”
Archer
“No one should be without it.”
See more at: unum.com/reviews
1 Unum internal data, 2016. Note: Causes are listed in ranked order.

EN-2044 (7-18) FOR EMPLOYEES