Page 16 - American Business Bank EE Guide 01-19 - C2

Disability Insurance

Unum | Long Term Disability Insurance
American Business Bank offers you Long Term Disability (LTD) to provide income replacement if you become disabled for an
extended period of time, through Unum. If you become totally and permanently disabled, benefits begin 360 days after the start of
your illness or injury and will continue as long as you remain disabled up to Social Security Normal Retirement Age. 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 $12,500 per month. Pre-existing condition exclusions
apply. See contract for details.

Long Term Care Insurance

Unum | Long Term Care Insurance
American Business Bank provides you with the option to purchase Long Term Care insurance. Long Term Care is received in the
home or a facility when you need help with 2 or more activities of daily living (bathing, eating, dressing, transferring, continence) or
if you suffer severe cognitive impairment (Alzheimer's). Newly eligible employees will not be subject to EOI and level premium
locks in your age at the initial enrollment.

You can structure your plan by choosing selecting the coverage that is right for you. Benefit options range from $2,000 to $9,000
with benefit durations of 3 years to lifetime. If you enroll within your initial eligibility period, you can elect up to a $6,000 monthly
benefit without answering any medical questions.

Plan coverage options include:
• Plan 1: Nursing Facility, Home and Community Based Care without Inflation
• Plan 2: Nursing Facility, Home and Community Based Care with Simple Inflation
• Plan 3: Nursing Facility, Home and Community Based Care with Compound Inflation

How to Enroll
Go to http://unuminfo.com/abb2/index.aspx.

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