Page 14 - California Eye Management EE Guide 2020

Income Protection Benefits

United HealthCare| Basic Life and AD&D Insurance
This coverage is provided by California Eye Specialists at no cost to you

Life insurance protects your family or other beneficiaries in the event of your death while you are still actively employed with
the company. California Eye Specialist pays for coverage, offered through United HealthCare, in the amount of $25,000. If
your death is due to a covered accident or injury, your beneficiary will receive an additional amount through Accidental
Death and Dismemberment (AD&D) coverage.

United HealthCare| Voluntary Life and AD&D Insurance

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 United HealthCare. You pay for this coverage with after-tax dollars through
convenient payroll deductions. You may purchase coverage for yourself and your eligible dependents as follows:
 Employee: You may purchase coverage for yourself in increments of $10,000 up to a maximum benefit of $300,000, not
to exceed 5 times your annual salary.
 Spouse: If you buy coverage for yourself, you may also purchase coverage for your eligible spouse. Benefits for your
spouse are available in increments of $5,000 to a maximum benefit of $150,000 and may not exceed 50% of your
employee election.
 Child(ren): If you buy coverage for yourself, you may also purchase coverage for your eligible dependent child(ren).
Benefits are available in increments of $2,000 to a maximum benefit of $10,000 and may not exceed 50% of your
employee election. Note: No benefit is paid for a child under 14 days old.

Guarantee issue is a pre-approved amount of coverage that does not require you to provide proof of good health, and is
available to you during your initial eligibility period (upon hire). Guarantee issue is available in the following amounts:
 Employee: $100,000
 Spouse: $20,000
 Child(ren): $10,000

If you are no longer in your initial eligibility period, you may enroll in Voluntary Life and AD&D insurance anytime 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. United HealthCare may approve or decline coverage based on a
review of your health history.

United HealthCare| Voluntary Long Term Disability Insurance

California Eye Specialist gives you the option to purchase voluntary Long Term Disability (LTD) to provide income
replacement if you become disabled for an extended period of time, through United HealthCare. LTD is a relatively
straightforward policy that does what it says: it protects you during lengthy periods of disability when you're unable to work.
If you become totally and permanently disabled, benefits begin 180 days after the start of your illness or injury. LTD works
with state disability programs, Social Security, and any other group disability coverage, to provide you with a combined
monthly benefit equal to 60% of your pre-disability earnings up to a maximum benefit of $6,000 per month. There are no
restrictions on how you can use the money. It's treated like a substitute for your regular monthly income.

If you enroll during this enrollment period, your coverage is provided to you on a guaranteed basis—no medical information
is required. If you enroll after this enrollment period, (or any time after you first become eligible), evidence of insurability will
be required for all coverage amounts. You must be Actively at Work with your employer on the day your coverage takes
effect.

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