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Benefits

Supplemental 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 Insurance
Unum Accident insurance will pay you a benefit to help cover your out-of-pocket medical costs in case of an accident. For covered
accidental injuries, fixed benefits are paid directly to you, regardless of any other coverage. Benefits are paid according to a fixed
schedule that includes benefits for hospitalization, fractures and dislocations, emergency room visits, major diagnostic exams,
physical therapy, and more. This plan 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 | Critical Illness Insurance
Unum Critical Illness insurance can help you protect yourself and your family from the unexpected cost of fighting a life-threatening
illness. You’ll receive a lump-sum cash payment upon diagnosis of a covered condition such as a Heart Attack, Stroke, Kidney
Failure and Cancer. There is a 12-month pre-existing limitation on this plan, but it is offered guarantee issue during the initial
eligibility window.

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.

For More Information
Please refer to Maxwell Health for detailed plan information and individual rates.

Pet Discount Program

United Pet Care (UPC) | Discount Plan
With the United Pet Care (UPC) discount plan, you can reduce the cost of your veterinary bills by saving up to 50% on each
veterinary visit for your pet when you visit a contracted UPC provider. This plan offers discounts for office visits, procedures,
medications, and more. With UPC’s program, there are no deductibles, no claim forms, no exclusions due to pre-existing conditions
or age, no annual dollar limitations, no waiting periods, and no limit on the number of visits annually. Two discount program
options are available through UPC.

For More Information
Go to www.unitedpetcare.com or call (888) 781-6622.

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