Page 19 - Murad Benefits Guide 2020 NonCA

Voluntary Worksite Benefits

Murad makes a broad array of voluntary benefits available to you through UNUM. These voluntary coverages have unique features
that are highlighted below:
• Most benefits paid directly to you unless otherwise specified.
• Individual coverage purchased through payroll deductions. The coverage stays with you beyond retirement.
• Most plans pay benefits regardless of other insurance coverage.

Choose from the following plans according to your needs:

VOLUNTARY ACCIDENT
Murad provides employees the opportunity to apply for Group Accident Insurance through Unum on an annual basis. Group Accident
pays benefits to help you cover the unexpected costs associated with accidental death or injuries. Benefits are flat dollar payments
and are not based on medical expenses incurred. You may also apply for coverage for your spouse/registered domestic partner and
your dependent children. This benefit is 100% employee paid. Your benefit counselor will be able to confirm your per paycheck cost
as rates vary.

VOLUNTARY CRITICAL ILLNESS WITH CANCER
You have the opportunity to apply for Critical Illness Insurance on an annual basis, a limited benefit policy offered through Unum.
This insurance is designed to help you offset the costs of certain covered critical illnesses such as stroke, permanent paralysis, heart
attack, end-stage renal disease, and cancer. When diagnosed with a covered condition, you will receive a lump-sum benefit that
you can use for expenses such as deductibles, copays, transportation, and so on. Your benefit counselor will be able to confirm your
per paycheck cost as rates vary.

VOLUNTARY SHORT-TERM DISABILITY (STD)
Short-Term Disability insurance assists in replacing a portion of your income if you become unable to work because of a covered
accident or illness. Employees may choose the amount of disability benefits to meet their personal needs. With UNUM, you may
customize your Short-Term Disability plan according to what best fits your needs. Please note that if you wish to enroll in this plan,
you must do so via UNUM’s website. Your benefit counselor will be able to assist with plan options and rates.

YOUR UNUM PLAN PAYS A WELLNESS BENEFIT FOR ONE
WELLNESS TEST EACH YEAR.

With Unum’s Wellness Benefit, you and other covered family members can
receive a valuable incentive for important tests and screenings. Many of
these tests are routinely performed, so it’s easy to take advantage of this
benefit. Your Critical Illness wellness benefit is $75. Your Accident
wellness benefit is $50.

MURAD EMPLOYEE BENEFITS 19