Idi Product Guide

Front 1

Guaranteed Standard Issue (GSI)

Back 1

Coverage is guaranteed as long as the applicant has been actively at work for 180 dayscontinuously on a full-time basis.

Front 2

Guaranteed to Issue (GTI)

Back 2

Coverage is guaranteed as long as the applicant has been actively at work for 180 days continuously ona full-time basis. However this coverage requires some medical underwriting andUnum has the right to add riders and/or ratings.

Front 3

Fully Underwritten (FUW)

Back 3

This coverage requires some medical underwriting and we have the right toadd riders, ratings, or coverage may be reduced or declined, on amounts aboveGSI & GTI. Full medical underwriting will utilize a GTI application,IntelliScript Report check (prescription record report), and possibly a UMH(underwriting medical history report from the applicant’s physician, ifneeded).

Front 4

Number of Lives Required for a Multi-Life Case

Back 4

1. ER paid: 3+

2. Voluntary: 10+

Front 5

Monthly Benefit Amount

Back 5

$300-$15,000 (in most states) depending on occupation, income, and other criteria.

Front 6

Factors that Affect Premium Amount

Back 6

Age, Tobacco Use, Occupation

Front 7

Free Look Period

Back 7

30 day period during which the client has the right to examine the policy and return it, if not satisfied, for a full refund.

Front 8

Elimination Period

Back 8

A period of disability, which must be satisfied before an insured is eligible to receive benefits from Unum.

Front 9

Elimination Period Options

Back 9

90, 180, 365, and 730 days

Front 10

Benefit Period

Back 10

The longest period of time for which a benefit will be paid for a disability.

Front 11

Benefit Period Options

Back 11

2 years, 5 years, to age 65 (T65), to age 67 (T67)

Front 12

Guaranteed Coverage Increase

Back 12

Allows the employer or employees to increase their IDI GSI monthly benefit without evidence of insurability up to the GSI benefit maximum as salary increases occur.

Front 13

Non-Cancellable Coverage

Back 13

Rates cannot be changed prior to the end of the non-cancellable period as long as premium is paid on time.

Front 14

Guaranteed Renewable

Back 14

Rates can be changed, but only on a class basis subject to state approval.

Front 15

Conditionally Renewable

Back 15

At the end of the non-cancellable and guaranteed renewable period, coverage becomes subject to a change in rates.

Front 16

Residual Disability

Back 16

Due to injury or sickness:

1. You are unable to perform one or more of the material and substantial duties of your occupation; or you are unable to perform them for as long as normally required to perform them; and
2. You are receiving Physician’s Care. We will waive this requirement if we receive written proof acceptable to us that further Physician’s Care would be of no benefit to you.

Front 17

Residual Disability Post the Elimination Period

Back 17

In addition to the other requirements for residual disability you must also incur a loss of earnings while you are engaged in your occupation or any occupation.

Front 18

Recovery Benefit

Back 18

Benefit paid out when insured returns to work full-time in their own occupation, following a period of disability, but still has an earnings loss of at least 20%.

* Standard in CA 675 and optional for Income Series 750.

Front 19

Recovery Payment Formula

Back 19

1. Earnings Loss = (Prior Earnings - Monthly Earnings) ÷ Prior Earnings
2. Earnings Loss x Total Disability Benefit = Recovery Payment

Front 20

Recovery Benefit Options

Back 20

6 months, 12 months, or for the Full Benefit Period

Front 21

Rehabilitation Services

Back 21

While an insured is totally or residually disabled and receiving benefits, Unum may cover the expenses of a variety of occupational rehab services based on written agreement by both the Insured and Unum.

Front 22

Work Incentive Benefit (WIB)

Back 22

Benefit paid during the time the insured is residually disabled after the elimination period. The benefit will be the difference between their prior income and their current earnings up to the maximum benefit amount.

Front 23

Survivor Benefit

Back 23

If the insured dies while receiving Total Disability Benefits, we will pay a lump sum survivor benefit of 3 times the Total Disability Benefit amount payable (at the time of death).

Front 24

Recurrent Disability

Back 24

When a person has a period of disability, recovers, and then becomes disabled again for the same or a related condition in less than 6 months (12 months in New York) it is considered a continuation of the prior disability so it is not subject to a new elimination period.

Front 25

Your Occupation

Back 25

The occupation or occupations in which you are regularly engaged at the time you become disabled.

Front 26

Benefits for Total Disability in "Your Occupation"

Back 26

Provides benefits if you are totally disabled in your occupation, which means you are unable to work in your occupation, are not working in any other occupation, and are under the care of a physician.

Front 27

Benefit Period Options for Total Disability in "Your Occupation"

Back 27

24 months: Standard

Full Benefit Period: Optional

Front 28

Additional Total Only Benefit (ATO)

Back 28

An optional benefit that allows employees to receive extra payments to put toward retirement in the event of Total Disability. The benefit is paid directly to the insured.

Front 29

Catastrophic Disability Rider

Back 29

Provides additional monthly benefits in the event of:

* Loss of two or more activities of daily living (ADL's)
* Cognitive Impairment
* Presumptive Disability

Note: In CT, NH,TX, and under the CA 675 presumptive disability is the only trigger.

Front 30

Presumptive Disability

Back 30

Total and permanent loss of:

* speech
* hearing in both ears
* sight in both eyes
* use of two limbs

Front 31

Loss of an Activity of Daily Living (ADL)

Back 31

These tasks cannot be performed safely without another person's stand-by assistance or verbal cueing:

* Bathing
* Dressing
* Toileting
* Continence
* Eating
* Transferring

Front 32

Cognitive Impairment

Back 32

Due to injury or illness, the insured has suffered a severe deterioration and/or loss in intellectual capacity and requires another person’s assistance or verbal cueing to protect him or herself or others.

Front 33

Cost of Living Adjustment (COLA)

Back 33

An optional benefit that helps your monthly benefit keep pace with inflation during a period of disability.

Two COLA options are available (to all occupation classes):

* CPI-U
* 3% Fixed

Front 34

CPI-U

Back 34

CPI-U stands for the Consumer Price Index for All Urban Consumers. It is published by the U.S. Department of Labor. With this option, the insured’s monthly benefit (while disabled) will increase by the change in the CPI-U as determined by the U.S. Dept of Labor.

* The increase will never be less than 2% or more than 7%, regardless of the CPI-U change.

Front 35

Serious Illness Benefit

Back 35

Provides a one-time lump sum payment when the insured becomes totally disabled due to:

* Cancer
* Heart Attack
* Stroke

Front 36

Serious Illness Benefit Amounts

Back 36

1. 20X the monthly Total Disability benefit to $100k

2. 10 x the monthly Total Disability benefit to $25k

Front 37

Exclusions and Limitations

Back 37

Benefits will not be paid for a disability caused by:

1. War or act of war, whether declared or undeclared

2. Intentionallyself-inflicted injury

3. Any lossexcluded by name or specific description in your policy schedule

Benefits will not be paid for any period of time during a disability that you reside outside the United States or itspossessions, or the countries of Canada or Mexico for more than 12 months inthe aggregate, unless we agree in writing. You will be considered to resideoutside these countries when you have been outside the United States or itspossessions, Canada or Mexico for a total period of six months or more duringany 12 consecutive months during a disability.