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2023 2024 A GUIDE TO YOUR BENEFITS
HOW TO ENROLL You will be able to complete your enrollment by following the steps listed below ENROLLMENT OPTIONS 01 You can enroll independently through our online Enrollment Platform Login instructions are included on the next page 02 You can enroll in person at the company s office located at 625B Corn Products Rd Corpus Christi Tx 78409 on November 8th between 9am and 5pm
_R__e__a__d_y__F__l_o__S__y__s_t_e__m__s__L__L__C__ EMPLOYEE BENEFITS HOW TO LOGIN TO BERNIE PORTAL ACCOUNT Below are the instructions for how to login both with and without an email address How to login with email Go to https www bernieportal com en login Employee default logins Username email address Password Select the forgot password option if you do not remember or have not set one up before OR How to login without email https www bernieportal com en emplovercode login Employee code logins 2 digit code 2 digit birth month Example March 03 4 digit code last 4 of social Employer code ____f2_5_8_5_3____
_R_e_a_d_y_F_l_o_S_y_s_t_e_m_s_L_L_C________________________ __ Ready Flo Systems LLC thrives on balance balancing professional and personal worlds balancing work and rest while always balancing cost and value We also understand that balance must be individualized What is right for one person may not be appropriate for another It is our goal to offer choices allowing you to tailor your benefits plan specifically to what is best for you and your family members Your Choices _R_e_ady Flo Systems LLC Provides a complete package of benefits aimed at providing flexible insurance protection and programs to meet your ever changing needs _R_e_ady Flo Systems LLC shares the cost of some benefits with you while making additional benefits available that you pay for if you choose to enroll The part of the benefit costs that you are responsible for will be automatically deducted from your paycheck either before or after your taxes are calculated Benefit Health Insurance Dental Insurance Vision Insurance Basic Life 25k Voluntary Life Disability Accident Critical Illness Pre Tax or Post Tax Pre Tax Pre Tax Pre Tax N A Post Tax Post Tax Post Tax Post Tax Who pays the cost Employer Shared Employer Shared Employer Shared Employer Paid Employee Paid Employee Paid Employee Paid Employee Paid Why do I pay for some benefits with before tax money While not all benefits qualify for pre tax contribution there is a definite advantage to paying for those that do Taking the money out before your taxes are calculated lowers the amount of your taxable income Therefore you pay less in taxes How Your Benefits Work Full time employees are eligible for most benefits on __th_e__fi_rs_t_d_a_y__o_f _th_e__m_o_n_t_h_f_o_ll_o_w_in_g__6_0_d_a_y_s__ of hire Making Changes Generally you can only change your benefits choices during the annual Benefits Enrollment Period However you can change your benefits choices during the year if you have a life event change Life event changes include but are not limited to Marriage Divorce Birth adoption or placement for adoption of an eligible child Death of your spouse or covered child Change in you or your spouse s work status that results in cancellation of your benefits Becoming eligible for Medicare or Medicaid during the year If you have a life event change you must notify Human Resources within 31 days of the change for example a marriage or birth certificate If you do not notify Human Resources within 31 days you will have to wait until the next annual Open Enrollment period to make benefits changes unless you have another life event change Any changes you make to your benefit choices must be directly related to the life event change
Portability If you leave the company some of your benefits end and some of your benefits are portable This means you can take them with you if you leave as long as you continue to pay the premiums yourself Once terminated you will be notified through the mail if any of your benefits are portable When Coverage Ends Benefits end on the last day of the month following termination or when you cease to meet eligibility guidelines Continuing Your Coverage Under certain circumstances you may continue your health care coverage when it would otherwise end This is called ______C_O_B_R_A______ Cobra applies to these plans Health Insurance Dental Insurance Vision Insurance When can I continue coverage under ________C_O_B_R_A________ You and or your dependents are eligible to continue health care coverage under _________C__O_B_R__A_________ If coverage is lost because Your employment ends for any reason other than gross misconduct Your work hours are significantly reduced You die You become entitled to and enroll in Medicare prior to losing coverage You divorce or become legally separated from your spouse Your dependent loses dependent status NOTES _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ Looking ahead Now let s look at each benefit that makes up the Ready Flo Systems LLC benefits program In the following pages you ll learn more about the valuable benefits your employer offers You ll also see how choosing the right combination of benefits can help protect you and your family s health
Carrier Plan Name Network Coverage Deductible Family Deductible Coinsurance Out Of Pocket Office Visit Specialty Doctor Office Visit Inpatient Hospital Services Preventative Lab X Ray Advanced Imagining Urgent Care Emergency Room RX Rates Employee Only Employee Spouse Employee Child ren Employee Family Current MTBEE035 HMO Blue Essentials In 4 000 12 000 80 8 150 16 300 35 Copay 70 Copay 80 After Ded 80 After Ded 80 After Ded 75 Copay 500 Copay 80 After Ded 0 10 50 100 150 250 Weekly Rate 45 31 227 12 190 85 372 68 Current Current MTBCP035 PPO In Out 4 000 10 000 12 000 20 000 80 50 8 150 16 300 Unlimited 35 Copay 50 After Ded 70 Copay 50 After Ded 80 After Ded 50 After Ded No Charge 50 After Ded 80 After Ded 50 After Ded 75 Copay 50 After Ded 500 Copay 80 After Ded As INN 0 10 50 100 150 250 10 20 70 120 150 250 50 MTBCP019 PPO In Out 2 000 4 000 6 000 12 000 80 60 5 000 14 700 Unlimited 30 Copay 60 After Ded 60 Copay 60 After Ded 80 After Ded 60 After Ded No Charge 60 After Ded 80 After Ded 60 After Ded 75 Copay 60 After Ded 500 Copay 80 After Ded As INN 0 10 50 100 150 250 10 20 70 120 150 250 50 Weekly Rate 76 83 304 94 259 43 487 56 Weekly Rate 97 77 356 63 304 99 563 87
ReadyfloSystemsLLC D WDO V UD F FD OS R SD IRU G WDO DPV FO D L V D G RW U V UYLF V Howdoesitwork RRG G WDO FDU LV FULWLFDO WR R U RY UDOO OO E L LW 8 P WDO L V UD F R FD W W DWW WLR R U WW G DW D FRVW R FD DIIRUG 8 P WDO DOOR V R WR V D G WLVW R F RRV 7R W W PRVW IURP R U E ILWV D G U G F R W RI SRFN W FRVWV F RRV D L W RUN SURYLG U E WLOL L R U ODU DWLR DO W RUN 7 V SURYLG UV DY D U G WR ILO R U FODLPV D G S ROG W L VW T DOLW VWD GDUGV R FD IL G L W RUN SURYLG UV DW PG WDOFDU FRP Whyisthiscoveragesovaluable 5R WL G WDO FDU N SV R U PR W D G RO ERG DOW R U SOD LV EDFN G E 8 P V FRPPLWP W WR F OO F L F VWRP U V UYLF 3 UVR DOL G EVLW WR PD D R U E ILWV L FO GL FODLPV L IRUPDWLR FDUGV D G PRU 7 U V R DLWL S ULRG IRU SU Y WLY D G EDVLF V UYLF V 1 2 0 2 6 Whatelseisincluded UHJ D EH HILW WUD FO D L IRU WULP VW U S FWL PRW UV L W LU G RU UG HOO HVV EH HILWV 2UDO FD F U VFU L V IRU SDWL WV L ULVN IDFWRUV D G ROG U LW P H WDO DUH RP 8V PG WDOFDU FRP WR V DUF IRU SURYLG UV PD D R U E ILWV D G O DU DER W RRG G WDO DOW DW U V L FO G DV DFF VV WR DUGV FODLPV LVWRU D G FRY UD L IRUPDWLR LUW DO H WDO LVLWV G WDO FDU IRU G WDO P U FL V D L S UVR YLVLW LV W D RSWLR YDLODEO IRU DFWLY G WDO P PE UV 9LVLW PG WDOFDU FRP D G FOLFN 9LUW DO WDO 9LVLWV WR W VWDUW G DUU R HU EH HILWV 0 PE UV R WDN FDU RI W LU W W E W V R O SDUW RI W LU D DO PD LP P E ILW G UL D E ILW S ULRG DU U DUG G LW WUD E ILWV L I W U DUV DUU RY U E ILWV LOO E DFFU G D G VWRU G L W L V U G V FDUU RY U DFFR W WR E V G L W W E ILW DU H OLPLWV IRU W LV SROL HUWLIL DWH DUH Carryoverbenefit Thresholdlimit Carryoveraccountlimit DVVL H Virtual dental visits are a preventive service and subject to policy year benefit maximum Unum D UD
Coverage details and costs HU LH BenefitYear Maximum Deductible OD RL V UD H DVVL H S U E ILW DU 0D LP P S U IDPLO HW RUN R HW RUN ClassAPreventive ClassBBasic ClassCMajor ClassDOrthodontics Applies to Class A B and C Services if applicable Waived for Class A applies to Class B and C Services H WDO R HUDJH You Youandyourspouse Youandyourchildren Family Rates guaranteed for months from the effective date DVVL H Weeklycost Dentalcarryoverbenetandhowitworks D EH HILW HDU D PHPEHU P VW D H 2 FO D L 2 U ODU DP D G 7RWDO G WDO FODLPV IRU SU Y WLY EDVLF D G PDMRU FRY U G SURF G U V SDLG G UL W DU E OR W W U V ROG OLPLW I DOO W U FULW ULD DERY DU P W D SRUWLR RI W D DO PD LP P LOO FDUU RY U WR W W DU W HU SH LIL DWLR V DF FRY U G IDPLO P PE U U F LY V W LU R FDUU RY U E ILW UR S FDUU RY U E ILW ULG U P VW E L II FW IRU R E ILW DU E IRU D P PE UV FD WLOL FDUU RY U E ILWV P PE U P VW E R W SOD IRU D PL LP P RI W U PR W V E IRU DFFU L FDUU RY U E ILWV DUU RY U E ILW PD E V G WR DUG SU Y WLY EDVLF D G PDMRU FRY U G V UYLF V R O P PE U V FDUU RY U DFFR W LOO E OLPL DW G D G W DFFU G FDUU RY U E ILWV ORVW LI W L V U G DV D EU DN L FRY UD IRU D O W RI WLP RU D U DVR HSH H W LO UH S G W D LG OL V YDU E VWDW 3O DV U I U WR R U SROLF F UWLILFDW RU FDOO R U R WDFW 888 400 9304 W U DW HU L HV RW OLVWH I R S FW WR U T LU D G WDO V UYLF RW L FO G G R W LV EURF U LW PD VWLOO E FRY U G 3O DV FDOO R U R WDFW W U DW 888 400 9304WR FR ILUP R U DFW E ILWV OWHU DWH WUHDWPH W 8 P FRY UV W O DVW S VLY PRVW FRPPR O V G D G DFF SW G P ULFD WDO VVRFLDWLR WU DWP WV 3OD P PE UV PD O FW D PRU S VLY WU DWP W E W LOO E U VSR VLEO IRU W FRVW GLII U F U V OWL IURP W PRU S VLY SURF G U 1 2 0 2 6 Unum D UD
R HUH UR H UHV DLWL J HULR V DVVL H WaitingPeriod None 5R WL DPV S U PR W V 3URS OD LV S U PR W V DGGLWLR DO FO D L RU S ULRGR WDO PDL W D F S U P PE U LV L G RU UG WULP VW U RI SU D F PR W V LI LW L UD V PD LP P RI ILOPV S U PR W V O RULG WU DWP W IRU F LOGU S WR D S U PR W V 6 DOD WV IRU F LOGU PR W V S WR D S UPD W PRODUV S U 6SDF 0DL WDL UV P U F 7U DWP W S U PR W V OO PR W SD RUDPLF UD V S U PR W V WaitingPeriod None 6LPSO U VWRUDWLY V UYLF V ILOOL V ILW DOOR G IRU DPDO DP U VWRUDWLR V R SRVW ULRU W W 6LPSO WUDFWLR V 2UDO 6 U U WUDFWLR V D G LPSDFW G W W VW VLD V EM FW WR U YL FRY U G LW FRPSO RUDO V U U 5 SDLU RI FUR G W U RU EULG 1R 6 U LFDO S ULRGR WLFV 6 U LFDO S ULRGR WLFV P WU DWP WV 3 ULRGR WDO PDL W D F SURS OD LV S U PR W L FRPEL DWLR LW GRGR WLFV URRW FD DOV WaitingPeriod 12months OD V D G R OD V UR V EULG V G W U V D G LPSOD WV WaitingPeriod None 6 SDUDW LI WLP 0D LP P 8S WR RI OLI WLP DOOR D F PD E SD DEO R L LWLDO ED GL S G W F LOGU WR D RO Refer to your certificate of coverage for the services covered under your plan 1 2 0 2 6 Unum D UD
unum com L LL L The following dental services are not covered unless stated otherwise in the Certificate of Coverage any treatment which is elective or primarily cosmetic in nature and not generally recognized as a generally accepted dental practice by the American Dental Association as well as any replacement of prior elective or cosmetic restorations replacement of a removable device or appliance that is lost missing or stolen and for the replacement of removable appliances that have been damaged due to abuse misuse or neglect This may include but not be limited to removable partial dentures or dentures replacement of any permanent or removeable device or appliance unless the device or appliance is no longer functional and is older than the limitation in the Schedule of Covered Procedures This may include but not be limited to bridges dentures and crowns any appliance service or procedure performed for the purpose of splinting to alter vertical dimension or to restore occlusion any appliance service or procedure performed for the purpose of correcting attrition abrasion erosion abfraction bite registration or bite analysis charges for implants except noted above removal of implants precision or semi precision attachments denture duplication or dentures and any associated surgery or other customized services or attachments services provided for any type of temporomandibular joint TMJ dysfunction muscular skeletal deficiencies involving TMJ or related structures myofascial pain LL L Multiple restorations on one surface are payable as one surface Multiple surfaces on a single tooth will not be paid as separate restorations On any given day more than 8 periapical x rays or a panoramic film in conjunction with bitewings will be paid as a full mouth radiograph Pre estimates are recommended for any treatment expected to exceed 300 EL Takeover benefits apply if we are taking over a comparable benefits plan from another carrier and only if there is no break in coverage between the original plan and the takeover date Takeover is available to those individuals insured under the employer s dental plan in effect at the time of the employer s application If takeover benefits are included in your benefits then waiting periods for service will be waived for the individuals currently insured under the employer s previous plan during the month prior to coverage moving to us Application of takeover benefits is subject to Underwriting review and approval New hires with prior like dental coverage lapse in coverage must be less than 63 days will receive takeover credit for the length of time they had with the prior carrier and must provide proof of coverage including coverage dates to receive takeover credit i e one page benefit summary Certificate of Creditable Coverage etc Subject to takeover benefits A Network Access plan is available THIS POLICY PROVIDES LIMITED BENEFITS This brochure is not intended to be a complete description of the insurance coverage available The policies or their provisions may vary or be unavailable in some states The policies have exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form Series Dental 20 GDN or contact your Unum Dental representative Underwriten by Starmount Life Insurance Company Baton Rouge LA 2022 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries 1 2 0 2 6
READYFLOSYSTEMSLLC UnumVision PoweredbyEyeMed Moreflexibility choiceandsavings Plan features EyeMed benefits Membershavethefreedom tochooseanyproviderfrom EyeMed sInsightNetwork Ournetworkofferstheright mixofindependent nationalretailandregionalretail Vision Care Services providerslikeLensCrafters PearleVision TargetOptical andmanymore Memberscanalsopurchaseglasses Exam 1per12months andcontactlensesonlineatGlasses com and RetinalImagingBenefit ContactsDirect com Covered benefits Standard Plastic Lenses 1per12months Exam Eachmemberisentitledtoacomprehensivevision exam Anexam co payappliesandisoutlinedinthe grid at right Materials Eachmemberhascoverageforcoveredservicesand materials Purchasesaresubjecttobenefitfrequenciesandcopays Planfeaturesinclude Single Vision Bifocal Trifocal Lenticular Standard Progressive In network MemberCost 10 co pay Up to 39 25 co pay 25 co pay 25 co pay 25 co pay 90 co pay Out of network Reimbursements Up to 40 Notcovered Up to 30 Up to 50 Up to 70 Up to 70 Up to 50 Framebenefit Youmaychooseanyframewithina provider scollection subjecttotheretailframeallowance listedatright Ifthecostisgreaterthantheplan s benefits youareresponsibleforthedifference Eyeglasslensbenefit Standardplastic CR 39Plastic Material singlevision bifocal trifocal andspecialty lenses are generally covered after any applicable materialscopay Ifcoveredbyplanallowance youare responsible for any cost greater than the plan s benefit Contactlensbenefit Memberselectingcontactlenses insteadofeyeglasslensesmayapplythecontactlens allowancetoanylensesintheprovider scollection Ifthecostisgreaterthantheplan sbenefits youare responsible for the difference Laservisioncorrection Discountsareavailablewith participating surgery providers across the country not an insured benefit Howmuchdoesitcost Premium ProgressiveLens Premium ProgressiveTier1 Premium ProgressiveTier2 Premium ProgressiveTier3 Premium ProgressiveTier4 110 co pay 120 co pay 135 co pay 90 co pay 80 ofcharge less than 120 allowance Lens Options Polycarbonate Lenses under age 19 Covered Frames 1per24months Membersmayselect anyframeavailable 150allowance Contact Lenses 1per12months In lieu of eyeglass lenses Elective 150 allowance Up to 50 Up to 50 Up to 50 Up to 50 Up to 32 Up to 105 Up to 150 Weekly premium You 0 00 You and your spouse 0 77 You and your children 1 00 Non Elective StandardContactLens FittingExam Fee Covered Up to 40 Up to 210 Notcovered Thestandardcontactlensfittingexam feeappliestoaneworexistingcontactlens userwhowearssphericaldisposable dailywear orextendedwearlensesonly Family 2 69 EN 376255 FOREMPLOYEES 4 21
Vision Insurance Unum VisionPoweredbyEyeMedmemberswillreceivethe followingdiscountsonmaterialsatin networkproviders only 40 offforacompletesecondpairofglasses 20 offnon prescriptionsunglasses 20 offremainingbalancebeyondplancoverage LaserVisionCorrectionNetwork Membershipprovidesaccesstopreferredpricing Transactions arehandleddirectlybetweenmembersandproviders Refractive surgeryisanelectiveprocedureandmayinvolvepotentialrisks topatients Thisisnotaninsuredbenefit Unum cannotanddoes notguaranteetheoutcomeofanyrefractivesurgicalprocedureor atotaleliminationoftheneedforglassesorcontacts Providers maynotbeavailableinallmetropolitanareas Logintowww eyemedvisioncare com unum foralistofparticipatinglaser vision correction providers HearingSavingsPlanincludedatnoadditionalcostto themember Unum offersaHearingSavingsPlanatnoadditionalcost toallof itsUnum VisionPoweredbyEyeMedmembers Partneringwith Amplifon theHearingSavingsPlanprovides 40 offhearingexamsatthousandsofconvenientlocations nationwide Discountedsetpricingonthousandsofhearingaids includingthosewiththenewest mostadvancedtechnology Lowpriceguarantee ifyoufindthesameproductata lowerpriceelsewhere Amplifonwillbeatitby5 60 dayhearingaidtrialperiodwithnorestockingfees Freebatteriesfor2yearswithinitialpurchase 3 yearwarrantypluslossanddamagecoverage Dependentchildren Dependentageguidelinesvarybystate Pleaserefertoyourpolicycertificateorcontactcustomerservice at 855 652 8686 Servicesnotlisted Ifyouexpecttorequireavisionservice notincludedonthisbrochure itmaystillbecovered Referto thememberportalatwww eyemedvisioncare com unum to confirmyourexactbenefits Thisisaprimaryvisioncarebenefit andisintendedtocoveronlyeyeexaminationsand orcorrective eyewear Medicalorsurgicaltreatmentofeyediseaseorinjuryis notprovidedunderthisplan Coveragemaynotexceedthelesser ofactualcostofcoveredservicesandmaterialsorthelimitsof the policy Nobenefitswillbepaidforservices materialsconnected with orchargesarisingfrom Orthopticorvisiontraining subnormalvisionaidsandany associatedsupplementaltesting Aniseikoniclenses Medical and orsurgicaltreatmentoftheeye eyesorsupporting structures servicesprovidedasaresultofanyWorkers Compensationlaw orsimilarlegislation orrequiredbyany governmentalagencyorprogramwhetherfederal state orsubdivisionsthereof anyVisionExamination orany correctiveeyewearrequiredbyaPolicyholderasacondition ofemployment Safetyeyewear Plano non prescription lenses Non prescriptionsunglasses Twopairofglassesinlieu ofbifocals Servicesormaterialsprovidedbyanyothergroup benefitplanprovidingvisioncare Servicesrenderedafterthe date an Insured Person ceases to be covered under the Policy exceptwhenVisionMaterialsorderedbeforecoverageended aredelivered andtheservicesrenderedtotheInsuredPerson arewithin31daysfromthedateofsuchorder Lostorbroken lenses frames glasses orcontactlenseswillnotbereplaced exceptinthenextBenefitFrequencywhenVisionMaterials wouldnextbecomeavailable Memberreceivesa20 discountonitemsnotcoveredbythe planatEyeMedIn Networklocations Discountdoesnotapply toEyeMedProvider sprofessionalservices orcontactlenses Plandiscountscannotbecombinedwithanyotherdiscountsor promotionaloffers Incertainstates membersmayberequired topaythefullretailrateandnotthenegotiateddiscountrate withcertainparticipatingproviders PleaseseeEyeMed sonline providerlocatortodeterminewhichparticipatingprovidershave agreedtothediscountedrate Discountsonvisionmaterialsmay notbeapplicabletocertainmanufacturers productsEyeMed VisionCarereservestherighttomakechangestotheproductson eachtierandthememberout of pocketcosts Fixedpricingisreflectiveofbrandsatthelistedproductlevel All providersarenotrequiredtocarryallbrandsatalllevels Service andamountslistedabovearesubjecttochangeatanytime Fees charged by a Provider for services other than a covered benefitmustbepaidinfullbytheInsuredPersontotheProvider SuchfeesormaterialsarenotcoveredunderthePolicy Benefit allowancesprovidenoremainingbalanceforfutureusewithin thesameBenefitFrequency ANetworkAccessplanisavailable THISPOLICYPROVIDESLIMITEDBENEFITS Thisbrochureisnotintendedtobeacompletedescriptionoftheinsurancecoverage available Thepoliciesortheirprovisionsmayvaryorbeunavailableinsomestates The policieshaveexclusionsandlimitationswhichmayaffectanybenefitspayable Forcomplete detailsofcoverageandavailability pleaserefertoPolicyForm SeriesVI 2002 VI 2007and VI 2019orcontactyourUnum Visionrepresentative StarmountLifeInsuranceCompany 8485GoodwoodBoulevard BatonRouge LA70806 PH 855 652 8686 VisionplansaremarketedbyUnum administeredandunderwrittenbyStarmountLife InsuranceCompany BatonRouge LA 2021Unum Group Allrightsreserved Unumisaregisteredtrademarkandmarketing brandofUnum Groupanditsinsuringsubsidiaries EN 376255 FOREMPLOYEES 4 21
Rates for these lines are loaded in the online enrollment platform and explained in more detail on the following pages Voluntary Group Term Life AD D Voluntary Group Term Life Insurance is also available for you your spouse and your dependent children through ______U_N__U_M_______ As an employee you may purchase Term Life Insurance for yourself in benefit amounts between 10 000 and ___ _5_0_0_ _0_0_0___ in 10 000 increments Guaranteed Issued You can purchase up to ____ _1_0_0_ 0_0_0____ without having to answer a medical questionnaire If you choose not to enroll when you are first offered the opportunity and choose to enroll at a later time you will have to complete a medical questionnaire and are subject to the carrier s approval denial Accident Insurance Accidents are unexpected as are the various expenditures associated with them While most health insurance covers major expenses it does not cover every related cost You could face office visit copays deductibles and transportation lodging costs all cost you weren t expecting The Accident Insurance gives you the protection for the unexpected The plan pays you a benefit that can be applied to expenditures surrounding an accident including but not limited to ambulance emergency room treatment doctor s visits and surgery related to the accident It also pays benefits for common accidental injuries such as burns concussions emergency dental work dislocations fractures and much more The amount of benefit you receive depends on the nature of the injury or the type of service you receive And these benefits are paid in addition to any medical insurance you might have Critical Illness with Cancer Coverage Everyday thousands of people are diagnosed with a serious illness such as cancer or are stricken with a heart attack stroke or other unexpected medical conditions The costs associated with serious illnesses even for individuals with medical insurance can be astronomical This plan can help overcome some of the costs related to sudden illnesses that are not covered by medical insurance You may also purchase coverage on your spouse age 18 70 and your dependent children under the age of 26 who are unmarried and your dependent Diagnosis has to take place after the policy effective date Upon diagnosis of a covered Critical Illness the covered individual will receive 100 of the lump sum benefit amount elected Short Term Long Term Disability Insurance How do you see yourself five years from now Or ten Chances are you don t see yourself disabled But a surprising number of people do find themselves injured or sick and unable to work even if only for a short time But would a month seem like a short time if you had no income Your employer offers plans that will help you pay for your household expenses if you become disabled and cannot work These plans may be purchased without answering health questions as long as you enroll when you are first hired or the first year the plan is offered Enrollment at any other time will require medical evidence of insurability Rates for these plans are loaded in the online enrollment platform and explained in more detail on the following pages
READYFLOSYSTEMSLLC Term LifewithAccidentalDeath Dismemberment AD D Insurance canprovidemoneyforyourfamilyifyoudieorarediagnosedwithaterminalillness Howdoesitwork Youkeepcoverageforasetperiodoftime or term Ifyou dieduringthatterm themoneycanhelpyourfamilypayfor basiclivingexpenses finalarrangements tuitionandmore AD DInsuranceisalsoavailable whichcanpayabenefit if you survive an accident but have certain serious injuries Itcanpayanadditionalamountifyoudiefrom acovered accident WhocangetTerm Lifecoverage Ifyouareactivelyatworkatleast30hoursperweek you can receive coverage for You Youcanreceiveabenefitamountof 15 000 Youcangetupto 15 000withnohealthquestions WhychooseUnum Youremployerisofferingyouthiscoverageatnocosttoyou Unum istheleadingproviderofemployeebenefits with morethan165yearsofexperience 1We llbetheretoback ourbenefitsandprovideyouwiththesupportyouneed Whatelseisincluded A Living Benefit Ifyouarediagnosedwithaterminalillnesswithless than12monthstolive youcanrequest100 ofyour lifeinsurancebenefit upto 250 000 whileyouarestill living Thisamountwillbetakenoutofthedeathbenefit andmaybetaxable Waiverofpremium Yourcostmaybewaivedifyouaretotallydisabledfora periodoftime Portability Youmaybeabletokeepcoverageifyouleavethe company retireorchangethenumberofhoursyou work Employeesordependentswhohaveasicknessorinjuryhavingamaterialeffecton lifeexpectancyatthetimetheirgroupcoverageendsarenoteligibleforportability WhocangetAccidentalDeath Dismemberment AD D coverage You YoucanreceiveanAD Dbenefitamountof 15 000 NoquestionsorhealthexamsrequiredforAD Dcoverage 1Unum internaldata 2017 EN 2046 10 19 FOR EMPLOYEES
Term LifewithAccidentalDeath Dismemberment AD D Insurance Exclusionsandlimitations Activelyatwork Eligibleemployeesmustbeactivelyatworktoapplyforcoverage Beingactivelyatwork meansonthedaytheemployeeappliesforcoverage theindividualmustbeworkingat oneofhis hercompany sbusinesslocations ortheindividualmustbeworkingatalocation wherehe sheisrequiredtorepresentthecompany Ifapplyingforcoverageonadaythat isnotascheduledworkday theemployeewillbeconsideredactivelyatworkasofhis herlastscheduledworkday Employeesarenotconsideredactivelyatworkiftheyareona leave of absence or lay off EmployeesmustbeU S citizensorlegallyauthorizedtoworkintheU S toreceive coverage EmployeesmustbeactivelyemployedintheUnitedStateswiththeEmployertoreceive coverage Employeesmustbeinsuredundertheplanforspousesanddependentstobe eligible for coverage Exclusionsandlimitations Lifeinsurancebenefitswillnotbepaidfordeathsthatarecausedbysuicideoccurring within24monthsaftertheeffectivedateofcoverageorthedatethatincreasestoexisting coveragebecomeseffective Thisexclusionstandardlyappliestoallmedicallywritten amountsandcontributoryamountsthatarefundedbytheemployeeincludingshared funding plans AD Dspecificexclusionsandlimitations Accidentaldeathanddismembermentbenefitswillnotbepaidforlossescausedby contributedtoby orresultingfrom Diseaseofthebody diagnostic medicalorsurgicaltreatmentormentaldisorderasset forthinthelatesteditionoftheDiagnosticandStatisticalManualofMentalDisorders DSM Suicide self destructionwhilesane intentionallyself inflictedinjurywhilesaneorselfinflictedinjurywhileinsane War declaredorundeclared oranyactofwar Activeparticipationinariot Committingorattemptingtocommitacrimeunderstateorfederallaw Thevoluntaryuseofanyprescriptionornon prescriptiondrug poison fumeorother chemicalsubstanceunlessusedaccordingtotheprescriptionordirectionofyourdoctor Thisexclusiondoesnotapplytoyouifthechemicalsubstanceisethanol Intoxication Beingintoxicated meansyourbloodalcohollevelequalsorexceedsthe legallimitforoperatingamotorvehicleinthestateorjurisdictionwheretheaccident occurred Delayedeffectivedateofcoverage Employee Insurancecoveragewillbedelayedifyouarenotinactiveemploymentbecause ofaninjury sickness temporarylayoff orleaveofabsenceonthedatethatinsurance wouldotherwisebecomeeffective Age reduction CoverageamountsforLifeandAD DInsuranceforyouwillreduceto65 oftheoriginal amountwhenyoureachage65 andwillreduceto50 oftheoriginalamountwhenyou reachage70 Coveragemaynotbeincreasedafterareduction Terminationofcoverage Your coverage under the policy ends on the earliest of The date the policy or plan is cancelled The date you no longer are in an eligible group The date your eligible group is no longer covered Thelastdayoftheperiodforwhichyoumadeanyrequiredcontributions Thelastdayyouareactivelyemployed unlesscoverageiscontinuedduetoacovered layoff leaveofabsence injuryorsickness asdescribedinthecertificateofcoverage Thisinformationisnotintendedtobeacompletedescriptionoftheinsurancecoverage available Thepolicyoritsprovisionsmayvaryorbeunavailableinsomestates Thepolicy hasexclusionsandlimitationswhichmayaffectanybenefitspayable Forcompletedetails ofcoverageandavailability pleaserefertoPolicyForm C FP 1etalorcontactyourUnum representative LifePlanningFinancial LegalResourcesservices providedbyHealthAdvocate areavailable withselectUnuminsuranceofferings Termsandavailabilityofservicearesubjecttochange Serviceproviderdoesnotprovidelegaladvice pleaseconsultyourattorneyforguidance Servicesarenotvalidaftercoverageterminates PleasecontactyourUnumrepresentative for details Underwritten by Unum LifeInsuranceCompanyofAmerica Portland Maine 2018Unum Group Allrightsreserved Unumisaregisteredtrademarkandmarketing brandofUnum Groupanditsinsuringsubsidiaries EN 2046 10 19 FOR EMPLOYEES
LI D D L D ReadyfloSystemsLLC LD Howdoesitwork RX RR D RX RI RY UD D U IRU RX D G RX S RY UD IRU D S U RG RI RU U I RX G GXU DU R D OS RXU ID O SD IRU ED O Y S I DO DUUD X R D G RU XUD DO R DYD ODEO XUY Y D D G EX DY U D D DGG R DO D RX I RX G IUR SD D E U RX MXU D RY U G D I I RX SD G Whyisthiscoveragesovaluable I RX EX D X RI U D RXU RY UD RXU UR G7 U R TXDO I IRU RY UD RI RY UD R RX D IX XU XS R R RXOG E R G DO X G U U Whatelseisincluded LYL LW I RX DU G D R G D U DO OO O D R R O Y RX D U TX RI RXU O I XUD E I XS R O RX DU OO O Y 7 D RX OO E D RX RI G D E I D G D E D DEO E LW S P W P Y WW LSL W L LEL LW LL W Y P W E LW WLW P W P EW E 5S RXOG R XO U D D RU RU DGY RU E IRU X O O Y E I SD LY S PL P RXU R R DOO G DEO G IRU D S U RG RI D E D Y G I RX DU 3 W EL LW RX D E DEO R S RY UD I RX O DY R SD U U RU D X E U RI RXU RX RU PSOR HH RU GHSH GH W R DYH D LFN H RU L M U DYL D PDWHULDO HIIHFW R OLIH H SHFWD F DW W H WLPH W HLU UR S FRYHUD H H G DUH RW HOL LEOH IRU SRUWDELOLW WhocangetTermLifecoverage I RX DU D Y O D RU D O D DSSO IRU RY UD IRU RXU S U RX D RRRR IIUURR RR UU XXSS RR RXRUXUDUDU RX D XS R 7 RIRXRYDUD XRSX RD TXDO I IRU7 D RX R G DO XD GRXU U RI RY UD RX D TXDO I IRU R G DO X G U U XS R RI RY UD S U XS R 6SRX RIRYRYUDUD D R G S RXUU RI OI 6RSYRUXD DRYRUXD RDX SXRU D IRGU RXU SRRI X DRY UD XSDR RX RX SXU R D IRUG RDXOUX OGI U U I O EO G OD G IRIXU YSRGXD D XS R R GXSDORX G U U RI RYI UDO EO G OD G L IIU Y GDI O EO G OD G II Y GD 2 SRO RY U DOO RI RXU OGU X O U XESU RGD RI RY UD L 7 U D X I EO EIO IRU GOGODU GO Y IIE U Y R GDR 2 SRO RY U DOO RI RXU OGU W AhDo cDa ncogveetX7rAacgRcOei dDeUntXalDEEeUathIGD IRDU ismOGeUmbO eY rmE eU ntR XS R RI RXU OI U RXU DU RY UD IRU R D D X RI XS R RI RY UD IRU RXU S SRX U I O EO G OD G II Y GD XS R RI RY UD IRU RXU OGU L U I O EO G OD G II Y GD 1R PHGLFDO GHU ULWL L UHT LUHG IRU FRYHUD H 1 25 0 2 6 Unum LI D
HowmuchcoveragecanIget W W U RY UD D RX RX D YG E R D RX 0XO SO E UD 8 UD DEO DU RI G UD ED G R D RR H W H D H R LOO EH H R U FRYHUD H EHFRPH HIIHFWLYH 6HH R U SOD DGPL L WUDWRU IRU R U SOD HIIHFWLYH GDWH 7R GHWHUPL H R U SR H UDWH F RR H W H D H W H HPSOR HH LOO EH H FRYHUD H EHFRPH HIIHFWLYH 6HH R U SOD DGPL L WUDWRU IRU R U SOD HIIHFWLYH GDWH U RXU R PS S L Age 1 Employee monthlyrate Per 1 000 ofcoverage R 2 3 4 W W Spouse monthlyrate Per 1 000 ofcoverage R Child monthlyrate 0 200per 1 000 ofcoverage U RY UD RX D D RX YG E R D RX 0XO SO E 8 DEO D U UD UD UD RI G U RXU R PS S L PS S L AD D 1 2 AD Dmonthlyrates Coverageamount SU RI RY UD SU RI RY UD SU RI RY UD 3 4 W W Rate LOOHG DPR W PD YDU OL WO I R DSSO IRU FRYHUD H DERYH W H DUD WHHG L H DPR W R PD EH EMHFW WR PHGLFDO GHU ULWL R P W E FRYHUD H IRU R U HOI RYHUD H DPR W FD RW H FHHG RI R U FRYHUD H DPR W 1 25 0 2 6 LF PD DIIHFW R U DELOLW WR HW W H ODU HU FRYHUD H DPR W RUGHU WR S UF D H FRYHUD H IRU R U GHSH GH W Unum LI D
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READYFLOSYSTEMSLLC CriticalIllnessInsurance canpaymoneydirectlytoyouwhenyou rediagnosedwithcertainseriousillnesses Howdoesitwork Ifyou rediagnosedwithanillnessthatiscoveredbythis insurance youcanreceivealumpsum benefitpayment Youcanusethemoneyhoweveryouwant Whyisthiscoveragesovaluable Themoneycanhelpyoupayout of pocketmedical expenses likeco paysanddeductibles Youcanusethiscoveragemorethanonce Evenafteryoureceiveapayoutforoneillness you re stillcoveredfortheremainingconditionsandforthe reoccurrenceofanycriticalillnesswiththeexceptionof skincancer Thereoccurrencebenefitpays100 ofyour coverageamount Diagnosesmustbeatleast180days apart or the conditions can t be related to each other What scovered Criticalillnesses Heartattack Stroke Majororganfailure End stage kidney failure Coronaryarterydisease Major 50 Coronary artery bypass graft orvalvereplacement Minor 10 Balloon angioplasty or stentplacement Cancer conditions Invasivecancer allbreast Non invasivecancer 25 cancerisconsideredinvasive Skincancer 500 Progressive diseases AmyotrophicLateralSclerosis ALS Dementia including Alzheimer sdisease MultipleSclerosis MS Parkinson s disease Functionalloss Supplementalconditions Lossofsight hearingor speech Benignbraintumor Coma PermanentParalysis OccupationalHIV HepatitisB C or D InfectiousDiseases 25 WhyshouldIbuycoveragenow It smoreaffordablewhenyoubuyitthroughyour employerandthepremiumsareconveniently deductedfrom yourpaycheck Coverageisportable Youmaytakethecoveragewith youifyouleavethecompanyorretire You llbebilled athome BeWellBenefit Everyyear eachfamilymemberwhohasCriticalIllnesscoverage canalsoreceiveapaymentforgettingacoveredBeWellBenefit screeningtest suchas Annualexamsbyaphysician Screeningsforcholesteroland includesportsphysicals well diabetes childvisits dentalandvision Imagingstudies including exams chestX ray mammography Screeningsforcancer including ImmunizationsincludingHPV papsmear colonoscopy MMR tetanus influenza Cardiovascular function screenings Whocangetcoverage You Choose 15 000or 30 000ofcoveragewithno medicalquestionsifyouapplyduringthisenrollment Your Spousescanget50 oftheemployeecoverage spouse amountaslongasyouhavepurchasedcoveragefor yourself Your Childrenfrom livebirthtoage26areautomatically children coveredatnoextracost Theircoverageamountis50 ofyours Theyarecoveredforallthesameillnesses plusthesespecificchildhoodconditions cerebralpalsy cleftliporpalate cysticfibrosis Downsyndromeand spinabifida Thediagnosismustoccurafterthechild s coverage effective date Activeemployment Youareconsideredinactiveemploymentif onthedayyouapplyforcoverage youarebeingpaidregularlyfortherequiredminimum20hourseachweekandyouare performingthematerialandsubstantialdutiesofyourregularoccupation Insurancecoveragewillbedelayedifyouarenotinactiveemploymentbecauseofaninjury sickness temporarylayoff or leaveofabsenceonthedatethatinsurancewouldotherwisebecomeeffective Newemployeeshavea30daywaitingperiodtobeeligibleforcoverage Pleasecontactyourplanadministratorto confirm your eligibility date Ifenrolling andeligibleforMedicare age65 ordisabled theGuidetoHealthInsuranceforPeoplewithMedicareisavailableatwww medicare gov media 9486 Pleaserefertothecertificateforcompletedefinitionsaboutthesecoveredconditions Coveragemayvarybystate Seeexclusionsandlimitations EN 2050 FOR EMPLOYEES 9 21 Page 1
Age under 25 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 74 75 79 80 84 85 Age under 25 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 74 75 79 80 84 85 CriticalIllnessInsurancebenefitandcost Monthlycosts Employeecoverage 15 000 Spousecoverage 7 500 BeWellbenefit 50 Employee Spouse 4 87 3 60 6 07 4 20 8 02 5 17 9 82 6 07 14 17 8 25 21 37 11 85 32 77 17 54 46 27 24 30 67 42 34 87 99 67 51 00 148 27 75 30 205 57 103 95 281 32 141 82 440 47 221 40 Monthly costs Employeecoverage 30 000 Spousecoverage 15 000 BeWellbenefit 100 Employee Spouse 9 74 7 19 12 14 8 39 16 04 10 34 19 64 12 14 28 34 16 49 42 74 23 69 65 54 35 09 92 54 48 59 134 84 69 74 199 34 101 99 296 54 150 59 411 14 207 89 562 64 283 64 880 94 442 79 Pre existing conditions WewillnotpaybenefitsforaclaimwhentheCoveredLossoccursinthefirst12months followinganInsured sCoverageEffectiveDateandtheCoveredLossiscausedby contributedto byoroccursasthetheresultofanyofthefollowing aPre existingCondition or complicationsarisingfrom treatmentorsurgeryfor ormedicationstakenfor aPre existing Condition AnInsuredhasaPre existingConditionif withinthe12monthsjustpriortotheirCoverage EffectiveDate theyhaveaninjuryorsickness whetherdiagnosedornot forwhich medicaltreatment consultation careorservices ordiagnosticmeasureswerereceivedor recommendedtobereceivedduringthatperiod drugsormedicationsweretaken orprescribedtobetakenduringthatperiod or symptomsexisted ThePre existingConditionprovisionappliestoanyInsured sinitialcoverageandany increasesincoverage CoverageEffectiveDatereferstothedateanyinitialcoverageor increasesincoveragebecomeeffective Pre existingConditionrequirementsarenotapplicabletochildrenwhoarenewlyacquired afteryourCoverageEffectiveDate Dateofdiagnosismustbeafterthecoverageeffectivedate Exclusionsandlimitations Wewillnotpaybenefitsforaclaimthatiscausedby contributedtoby oroccursasaresultof anyofthefollowing committingorattemptingtocommitafelony beingengagedinanillegaloccupationoractivity injuringoneselfintentionallyorattemptingorcommittingsuicide whethersaneornot active participationinariot insurrection orterroristactivity Thisdoesnotincludecivilcommotionor disorder injuryasaninnocentbystander orinjuryforself defense participatinginwarorany actofwar whetherdeclaredorundeclared combatortrainingforcombatwhileservinginthe armedforcesofanynationorauthority includingtheNationalGuard orsimilargovernment organizations voluntaryuseofortreatmentforvoluntaryuseofanyprescriptionornonprescriptiondrug alcohol poison fume orotherchemicalsubstanceunlesstakenasprescribed ordirectedbytheInsured sPhysician beingintoxicated andaDateofDiagnosisthatoccurs whileanInsuredislegallyincarceratedinapenalorcorrectionalinstitution Additionally nobenefitswillbepaidforaDateofDiagnosisthatoccurspriortotheCoverage Effective Date Endofemployeecoverage Ifyouchoosetocancelyourcoverageyourcoverageendsonthefirstofthemonthfollowing thedateyouprovidenotificationtoyouremployer Otherwise yourcoverageendsonthe earliestofthe datethispolicyiscanceledbyUnumoryouremployer dateyouarenolonger inaneligiblegroup dateyoureligiblegroupisnolongercovered dateofyourdeath last dayoftheperiodanyrequiredpremiumcontributionsaremade orlastdayyouareinactive employment However aslongaspremiumispaidasrequired coveragewillcontinueinaccordancewiththe ContinuationofyourCoverageduringAbsencesprovisionorifyouelecttocontinuecoveragefor you yourSpouse andChildrenunderPortabilityofCriticalIllnessInsurance Unumwillprovidecoverageforapayableclaimthatoccurswhileyouarecoveredunderthis certificate THISINSURANCEPROVIDESLIMITEDBENEFITS Thisinformationisnotintendedtobeacompletedescriptionoftheinsurancecoverage available Thepolicyoritsprovisionsmayvaryorbeunavailableinsomestates Thepolicy hasexclusionsandimitationswhichmayaffectanybenefitspayable Forcompletedetailsof coverageandavailability pleaserefertoPolicyFormGCIP16 1ortheCertificateFormGCIC16 1 orcontactyourUnumrepresentative Underwrittenby UnumInsuranceCompany Portland Maine 2021Unum Group Allrightsreserved Unum isaregisteredtrademarkandmarketingbrand ofUnum Groupanditsinsuringsubsidiaries EN 2050 FOR EMPLOYEES 9 21 Page 2
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