Eligibility:

All full time active employees working 30+ hours per week.

Life/AD&D Benefit:

Option A Employees: 1x Salary to a Maximum of $100,000

CSR's & All Other Employees: Flat $20,000

Guaranteed Issue Limit:

Any of the four plans listed above up to $100,000

Reduction Schedule:

Reduces 35% at age 70
Reduces 50% at age 75

Dependent Schedule:

6 months to age 19 (or 25 if full-time student): Flat $5,000

AD&D Differentiators

Event Period:

Unum will pay an AD&D benefit if death occurs within 365 days of the accident.

Seat Belt Rider:

$10,000 additional AD&D benefits payable if an insured dies or is dismembered in a car accident while wearing a seat belt.

Air Bag Rider:

$5,000 additional benefits payable if an air bag is a feature in the car at the time of the accident.

Education Benefit:

Pays 12.50% of the face amount of the deceased's policy to a child who is enrolled in college (or who enrolls in 1 year). This benefit is capped at $12,500 per quarter or $100,000 in total benefit.

Life Differentiator

Benefit:

If an insured is diagnosed as terminally ill and is expected to die within 12 months then he may take up to 50% of his benefit capped at $500,000 for living expenses. The amount taken will simply be deducted from the death benefit.

Portability:

If you retire, leave your current employer, or reduce your hours so you are no longer eligible, you may continue your Term Life and AD&D coverage at a group rate and make premium payments directly to Unum. Please see your plan administrator for the rate table.