Page 11 - Rehab Alliance EE Guide 08-20 (TRIO)

BENEFITS

Supplemental Benefits

You may purchase additional insurance from Trustmark 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 Health Events, and Universal Life insurance. Your premiums are paid through payroll deductions on an after-tax basis. These
Trustmark policies are portable, which means that you can keep them should you change jobs or retire, with no increase in
premiums.

Trustmark | Accident Insurance Trustmark | Critical Health Events
Group Accident insurance pays benefits to help you cover the Critical Health Events insurance can help you protect yourself
unexpected costs associated with a covered accident. Benefits and your family from the unexpected cost of fighting a life-
are flat dollar payments by incident (not based on medical threatening illness. With this plan, benefits are paid for early
expenses incurred) that you can use to reimburse you for any detection as well as for later-stage diagnosis. This plan
out-of-pocket costs associated with your accident. There is replenishes your annual coverage amount, allowing you to
also an annual $50 wellness benefit payable for completing remain covered for new or reoccurring condition(s).
certain screenings. You are not required to answer health Depending on the diagnosis, your benefit payment will be
questions, and there are no pre-existing condition limitations. either 100%, 50%, or 10% of your selected benefit amount,
This plan is available to you, your spouse and dependent and will not to exceed the annual maximum available under
children. the plan. There is also an annual $50 wellness benefit payable
for completing certain screenings.

This plan is available to you, your spouse and dependent
children. There is a 12-month pre-existing limitation on this
plan, but it is offered guarantee issue during the initial
eligibility window. Trustmark requires that you complete a
simple health questionnaire if you elect a benefit amount
over $20,000.

Trustmark | Universal Life with Long-Term Care
Universal Life insurance, offered through Trustmark, provides lifelong protection to your loved ones in case of your death. This plan
includes a long-term care benefit that is funded through life insurance. Premium rates are determined by your age at time of
enrollment, so the plan remains affordable vs. term policies that becomes more expensive as you age. This plan is available to you,
your spouse and dependent children. Guarantee issue is available for employees under the age of 64 up to $50,000. Spouse and
children applying will be eligible for modified guarantee issue. Trustmark requires that you complete a simple health questionnaire
if you elect a benefit amount over $50,000.

Universal Life Life Events
Higher payout for older members Most affordable option

Available to employees of all ages Available to employees age 64 and younger
Life insurance benefit does not reduce with age Higher death benefit during working years when expenses are
high. At age 70, when financial needs are typically lower, the
death benefit reduces to one-third of the original amount
Long-term care benefit does not reduce with age Long-term care benefit does not reduce with age

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