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LIFE AND AD&D / VOLUNTARY BENEFITS VOLUNTARY BENEFITS

CIGNA BASIC LIFE AND AD&D CIGNA VOLUNTARY LONG TERM DISABILITY
United Pacific provides employees Basic Life and AD&D insurance at 1x your annual salary, to a maximum benefit of United Pacific offers you the opportunity to purchase Voluntary Long Term Disability (LTD) income replacement at
$100,000. This coverage would be paid out to your beneficiary(ies) in the event of your death or accidental death
and dismemberment. discounted group rates, through Cigna. If you become totally and permanently disabled, benefits begin 180 days
CIGNA VOLUNTARY LIFE AND AD&D after the start of your illness or injury and will continue as long as you remain disabled up to Social Security Normal
In addition to the company provided Basic Life and AD&D benefits, you may elect to purchase additional Term Life
and AD&D insurance at discounted group rates provided by Cigna. If elected, you pay for this coverage with after- Retirement Age. LTD works with state disability programs, Social Security, and any other group disability coverage,
tax dollars through payroll deductions. to provide you with a combined monthly benefit equal to 60% of your pre-disability earnings to a maximum benefit
Employee of $10,000 per month.
You may purchase coverage for yourself in increments of $10,000 up to a maximum benefit of $750,000.
Spouse/Domestic Partner
If you buy coverage for yourself, you may also purchase coverage for your eligible spouse/domestic partner. Benefits EMPLOYEE RATE PER MONTH
for your spouse are available in increments of $25,000 to a maximum benefit of $150,000 and may not exceed
50% of your employee election. VOLUNTARY LTD RATE PER $100 OF MONTHLY COVERED INCOME
Age
Child(ren) <25 $0.086
If you buy coverage for yourself, you may also purchase coverage for your eligible dependent child(ren). Benefits
for your child(ren) are available in the following amounts: 25-29 $0.111
• 14 Day to 6 months of age: Flat $500 30-34 $0.212
• 6 months to 26 years of age: Flat $5,000 or $10,000 35-39 $0.331
Guarantee issue is a pre-approved amount of coverage that does not require you to provide proof of good health, and 40-44 $0.495
is available to you during your initial eligibility period (upon hire). Guarantee issue is available in the following amounts: 45-49 $0.666
• Employee = The lesser of 3x your annual salary or $300,000 50-54 $0.922
• Spouse/Domestic Partner = $25,000
• Child(ren) = All guarantee issue 55-59 $0.978
60-64 $1.032
If you are no longer in your initial eligibility period, you may enroll in Voluntary Life and AD&D insurance anytime 65-69 $1.073
during the year as long as you provide proof of good health. To provide proof of good health, you will be asked
to complete a health questionnaire and are subject to insurance carrier approval. Cigna may approve or decline 70-99 $1.100
coverage based on a review of your health history.

RATE PER MONTH RATE PER MONTH Pre-existing Condition Exclusion for Voluntary Long Term Disability Plan:
If you were diagnosed, consulted or treated for any medical condition 3 months prior to your enrollment in this plan,
VOLUNTARY LIFE RATE PER $1,000 VOLUNTARY LIFE RATE PER $1,000
Age EMPLOYEE/SPOUSE* Age EMPLOYEE/SPOUSE* the disability caused by this condition will not be covered until you have been on the plan for 12 months. After 12
<35 $0.082 60-64 $0.853 months of consecutive enrollment, the pre-existing condition will no longer apply.
35-39 $0.101 65-69 $1.447
40-44 $0.145 70-74 $2.745
45-49 $0.218 75-79 $5.184
50-54 $0.346 Age ALL CHILDREN
55-59 $0.557 0-26 $0.245
*Spouse life terminates at the age of 70.

VOLUNTARY AD&D
Employee/Spouse/Child(ren) $0.030

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