Page 18 - The Raymond Group Supplemental Benefit Guide

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 Whole Life with Long Term Care 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 | Whole Life with Long Term Care
Accident insurance will pay you and covered family members Whole Life Insurance is a permanent interest-sensitive policy
benefits to help cover your out-of-pocket expenses and extra that provides a death benefit to designated beneficiaries and
bills that can follow an accident; minor or catastrophic. For tax-advantaged cash accumulation. This premium is fixed and
covered accidental injuries, benefits are paid directly to you, will never increase, and loans can be taken on the cash value.
regardless of other coverage. Payments are treatment based The death benefit will never decrease as long as there are no
and paid according to a fixed schedule that includes outstanding loans, or the plan is not reduced by a rider
hospitalization, fractures/dislocations, ER/urgent care visits, payout. The Long-Term Care component of the plan allows the
major diagnostic exams, medical imaging (MRI, MR, CT, CAT, employee to receive an advance of their death benefit of 6%
EEG), and physical therapy. There is also a Wellness benefit to pay for confinement to a licensed nursing or assisted living
that pays $50 per covered person per year just for care. A benefit of 4% is paid for home health care or adult day
completing certain preventive procedures. care service. Guarantee issue coverage of $35,000 for
employees age 15-50, $25,000 for employees age 51-80,
UNUM | Critical Illness and Cancer $10,000 for spouse (with one question), and $25,000 for
children is available during your initial eligibility window,
Critical Illness insurance is designed to help employees offset
the financial effects of a catastrophic illness or event, such as meaning no medical questions are required.
heart attack, stroke, certain cancers and much more.
Payment is made directly to the covered individual in a lump
sum payment upon proof of diagnosis of the covered illness
and can be used to cover out-of-pocket medical as well as
non-medical expenses, regardless of insurance payments.
There is a 12-month pre-existing condition limitation on this
plan. Guarantee issue coverage of $10,000 for employee
and spouse is available during your initial eligibility window,
meaning no medical questions are required. Children are
covered at 50% of the employee election at no additional
charge. This plan also provides a Wellness benefit of $50 per
covered person per year that can be paid in addition to the
Accident Wellness benefit if both plans are elected.

HOW TO ENROLL IN YOUR UNUM BENEFITS
The Voluntary Benefit Advisors (VBA) benefit counselors will be available to you through the
benefit call center to educate you on your benefits and complete your enrollment. They will be
available to answer all your benefit questions and help with processing your UNUM claim.

They are available by phone at (866) 797-3236, M-F from 8am - 5pm.

To Prepare For Your Call
1. Review your benefits guide ahead of time.
2. If you plan on adding your dependents have their SSN and DOB readily available.
3. Be prepared to make benefit elections and to complete your enrollment.

18 Employee Benefits