Page 20 - Paragon Services Engineering 2019 Employee Benefits

You may purchase additional insurance from Unum that will help to cover additional out-of-pocket expenses.
These policies offer direct-to-the-policyholder cash payouts to help cover what other insurance doesn’t. The
policies available include Accident, Critical Illness with Cancer, and Hospital Indemnity insurance. Your premiums
are paid through payroll deductions on an after-tax basis. These Unum policies are portable, which means that
you can keep them should you change jobs or retire, with no increase in premiums.

Unum | Accident Unum | Critical Illness and Cancer
Unum Accident insurance will pay you a benefit to help Unum Critical Illness insurance can help you protect
cover your out-of-pocket medical costs in case of an yourself and your family from the unexpected cost of
accident. For covered accidental injuries, fixed benefits fighting a life-threatening illness. You’ll receive a lump-
are paid directly to you, regardless of any other sum cash payment upon diagnosis of a covered
coverage. Benefits are paid according to a fixed condition such as a Heart Attack, Stroke, Kidney Failure
schedule that includes benefits for hospitalization, and Cancer. There is a 12-month pre-existing limitation
fractures and dislocations, emergency room visits, major on this plan, but it is offered guarantee issue during the
diagnostic exams, physical therapy, and more. This plan initial eligibility window.
will pay benefits for an off-the-job or on-the-job
accident. This plan is guarantee issue and does not have
any pre-existing condition limitations!

Unum | Hospital Indemnity
Unum Hospital Indemnity insurance is designed to
provide financial protection for covered individuals by
paying a benefit due to a hospitalization and in some
cases, for treatments received for an accident or
sickness. This plan covers hospitalizations due to
pregnancy, there is a 12-month pre-existing condition
limitation on this plan. Lump sum benefits are paid
directly to the insured and do not coordinate with any
other benefit payments.

Important Note About the Supplemental
Benefits
Please refer to Paylocity Web Benefits for detailed plan
information and individual rates