Page 20 - CHSI Benefit Guide 2019-2020

Voluntary Benefits

Trustmark | Accident Insurance
Accident Insurance covers unexpected expenses that result from all kinds of covered accidents. You can use the benefit to
help pay your health insurance deductible or to cover out-of-pocket expenses. You are not required to answer health
questions and there are no pre-existing condition limitations. This plan is available for you, your spouse & dependent
children. This plan includes a health screening benefit of $100 per person per year for completing certain health screening
exams.

Trustmark | Critical Health Events

Critical Health Events will pay a lump-sum benefit upon the diagnosis of a covered critical illness such as a heart attack,
stroke, cancer or end-stage renal failure. With the Critical Health Events plan, benefits are paid for early detection as well as
for later-stage diagnosis. Replenishing annual amounts allow you to remain covered for new or reoccurring condition(s).
Depending on the diagnosis, your benefit payment will be 100%, 50% or 10% of your selected benefit amount, not to exceed
the annual maximum available. This plan includes annual health screening benefits of $100 for one routine plus one
diagnostic exam, a $25 benefit for biometric screening, as well as $250 for genetic cancer testing payable one time.

Trustmark | Universal Life w/Long Term Care Insurance
There are two options for permanent life insurance with Trustmark—Traditional Universal Life and Universal LifeEvents. They
both include a life insurance benefit and a long-term care benefit that can help pay for home healthcare, assisted living,
adult daycare or nursing home services at 4% per month for up to 25 months.

The major difference with the Universal LifeEvents plan is that it pays a higher death benefit during your working years when
expenses are high. At age 70, when financial needs are typically lower, the death benefit reduces to one third the original
amount. The LTC benefit does not reduce, this benefit continues throughout retirement to match the greater need for LTC.
This makes the Universal LifeEvents plan more affordable at time of purchase than the Traditional Universal Life plan.
However, the Universal LifeEvents is only offered to employees that are under age 64, while the Traditional Plan is available
to age 75 for employees and age 70 for spouse.

Enrollment Services– VBA Benefit Counselors

To Enroll with VBA as a new hire:
All eligible employees should meet with a benefits educator by phone to elect or waive benefits. Employees will call
Voluntary Benefit Advisors Service Center using the phone number referenced below to speak with a benefits
educator. The benefit educator will be able to answer questions you have about all of the benefits offered to you and
enter your enrollment information over the phone. If you are covering dependents, please have their social security
number and birth dates available during your enrollment session. Please note: Employees who do not want to enroll
in the company benefits, must still call the VBA Service Center to decline benefits. VBA can also provide claims
assistance for your Trustmark Accident, Critical Health Events, and Universal Life plans.

Voluntary Benefit Advisors Service Center is available Monday through Friday from 8am to 5pm PST at
866-797-3236.

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