Page 13 - CW Driver Benefit Guide 2019 MAIN

VOLUNTARY BENEFITS THROUGH UNUM

You may purchase Voluntary Supplemental Health policies from Unum including Accident, Critical Illness, Whole Life with
Long Term Care, and Individual Short-Term Disability. Your premiums are paid through payroll deductions on a post-tax basis.
Unum Voluntary policies offer direct-to-the-policyholder cash payouts to help cover what other insurance doesn’t and can
relieve some of the financial burden that an unexpected health event can cause.

Accident Insurance
Accident insurance will pay you and covered family members benefits to help cover your out-of-pocket expenses and
extra bills that can follow an accident; minor or catastrophic. For covered accidental injuries, benefits are paid directly to
you, regardless of other coverage. Payments are treatment based and paid according to a fixed schedule that includes
hospitalization, fractures/dislocations, ER/urgent care visits, major diagnostic exams, medical imaging (MRI, MR, CT, CAT,
EEG), and physical therapy. There is also a Wellness benefit that pays $50 per covered person per year just for completing
certain preventive procedures.

Critical Illness with Cancer Insurance
Critical Illness insurance is designed to help employees offset the financial effects of a catastrophic illness or event, such
as 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. The Critical Illness benefit is based on the elected amount of coverage
in effect on the date of diagnosis of a critical illness or the date treatment is received according to the terms and provisions
of the policy. This plan also provides a Wellness benefit of $50 to each covered person each year that can be paid in addition
to the Accident Wellness benefit if both plans are elected.

Whole Life with Long Term Care Insurance
Whole Life Insurance is a permanent interest-sensitive policy that provides a death benefit to designated beneficiaries and
tax-advantaged cash accumulation. This premium is fixed and will never increase, and loans can be taken on the cash value.
The guaranteed minimum interest rate is 4.5%. The policy provides coverage to age 120. The death benefit will never decrease
as long as there are no outstanding loans or the plan is not reduced by a rider payout. The plan is guarantee issue during
your initial eligibility window, meaning no medical questions are required.
Riders Included
• Accelerated Death Benefit for Terminal Illness—insured can receive up to 100% of the death benefit or $150,000, whichever
is less, upon physician-certified diagnosis of terminal illness.
• Waiver or Premium Due to Disability—waives policy premium if the employee remains totally disabled beyond a six-
month waiting period (disability must occur prior to the employee’s 65th birthday).
• Long Term Care—allows the employee to receive an advance of their death benefit of 6% to pay for confinement to a
licensed nursing or assisted living care. A benefit of 4% is paid for home health care or adult day care service.

Individual Short-Term Disability Insurance
Short-Term Disability is valuable coverage that can replace part of your income while you recover from a sickness or off the
job injury and are unable to work. You elect a benefit amount that works for you (up to 40% of your salary), and as long as
you remain disabled, you can receive those benefit payments for up to 6 months. You can use the benefits for any expenses
that might come up, medical, household etc. so the flexibility is a valuable part of this coverage. Your cost is based on your
age when you buy the insurance and will not increase as you age. During your first eligibility your coverage is guaranteed
issue, meaning there are no health questions to answer.

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