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2023-2024A GUIDE TO YOURBENEFITS…
HOWTOENROLLYouwillbeabletocompleteyourenrollmentbyfollowingthestepslistedbelow. ENROLLMENTOPTIONS 01You canenrollindependently throughouronline EnrollmentPlatform. Logininstructionsareincludedon the nextpage.02Youcanenrollin person at the company's office located at 625B Corn Products Rd. Corpus Christi, Tx 78409 on November 8th between 9am and 5pm.
_________________________________EMPLOYEE BENEFITS: HOWTO LOGINTOBERNIE PORTALACCOUNTBelow 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/loginEmployee default logins:Username: email addressPassword: Selecttheforgotpasswordoption ifyou donotrememberorhavenotsetoneupbefore.ORHow to login without email:https://www.bernieportal.com/en/emplovercode/loginEmployee code logins:2-digit code: 2-digit birth month (Example:March=03)4-digit code: last 4 of socialEmployer code:____________Ready Flo Systems LLCf25853
____________________________________________thrivesonbalance–balancingprofessionalandpersonalworlds–balancingworkandrest–whilealwaysbalancingcostandvalue.Wealsounderstandthatbalancemustbeindividualized.Whatisrightforonepersonmaynotbeappropriateforanother.Itisourgoaltoofferchoicesallowingyoutotailoryourbenefitsplanspecificallytowhatisbestforyouandyourfamilymembers.YourChoices___ Providesacompletepackageofbenefitsaimedatprovidingflexibleinsuranceprotectionandprogramstomeetyourever-changingneeds.___ sharesthecostofsomebenefitswithyou,whilemakingadditionalbenefitsavailablethatyoupayforifyouchoosetoenroll.Thepartofthebenefitcoststhatyouareresponsibleforwillbeautomaticallydeductedfromyourpaycheck,eitherbeforeorafteryourtaxesarecalculated.BenefitPre-TaxorPostTaxWhopaysthecost?WhydoIpayforsomebenefitswithbefore-taxmoney?Whilenotallbenefitsqualifyforpre-taxcontribution,thereisadefiniteadvantagetopayingforthosethatdo:Takingthemoneyoutbeforeyourtaxesarecalculatedlowerstheamountofyourtaxableincome.Therefore,youpaylessintaxes.HowYourBenefitsWorkFull-timeemployeesareeligibleformostbenefitson_____________________________________ofhire.MakingChangesGenerally,youcanonlychangeyourbenefitschoicesduringtheannualBenefitsEnrollmentPeriod.However,youcanchangeyourbenefitschoicesduringtheyearifyouhavealifeeventchange.Lifeeventchangesincludebutarenotlimitedto:· Marriage· Divorce· Birth,adoption,orplacementforadoptionofaneligiblechild· Deathofyourspouseorcoveredchild· Changeinyouoryourspouse’sworkstatusthatresultsincancellationofyourbenefits· BecomingeligibleforMedicareorMedicaidduringtheyearIfyouhavealifeeventchange,youmustnotifyHumanResourceswithin31daysofthechange(forexample,amarriageorbirthcertificate).Ifyoudo notnotifyHumanResourceswithin31days,youwillhavetowaituntilthenextannualOpenEnrollmentperiodtomakebenefitschangesunlessyouhaveanotherlifeeventchange.Anychangesyoumaketoyourbenefitchoicesmustbedirectlyrelatedtothelifeeventchange.Ready Flo Systems LLCReady Flo Systems LLCReady Flo Systems LLCthe first day of the month following 60 daysReady Flo Systems LLCPre-Tax Employer SharedPre-Tax Employer SharedPre-Tax Employer SharedHealth InsuranceDental InsuranceVision InsuranceBasic Life - 25k Employer PaidN/AVoluntary Life Employee PaidPost-TaxDisability Employee PaidPost-TaxAccidentEmployee PaidPost-TaxCritical Illness Employee PaidPost-Tax
PortabilityIfyouleavethecompany,someofyourbenefitsendandsomeofyourbenefitsareportable.Thismeansyoucantakethemwithyouifyouleave,aslongasyoucontinuetopaythepremiumsyourself.Onceterminated,youwillbenotifiedthroughthemailifanyofyourbenefitsareportable.WhenCoverageEndsBenefitsendonthelastdayofthemonthfollowingterminationorwhenyouceasetomeeteligibilityguidelines. Lookingahead……Nowlet’slookateachbenefitthatmakesupthebenefitsprogram.Inthefollowingpages,you’lllearnmoreaboutthevaluablebenefitsyouremployeroffers.You’llalsoseehowchoosingtherightcombinationofbenefitscanhelpprotectyouandyourfamily’shealth.NOTES:____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________Continuing Your CoverageUndercertaincircumstances,youmay continue yourhealthcarecoveragewhenitwouldotherwiseend.ThisiscalledCobraappliestotheseplans:· HealthInsurance· DentalInsurance· VisionInsuranceWhencan I continue coverage under____________________?Youand/oryourdependentsareeligibletocontinuehealthcarecoverageunder________________________If coverageislostbecause:· Your employment endsforanyreasonother than“grossmisconduct”.· Yourworkhours are significantlyreduced.· Youdie.· Youbecome entitled toandenrollinMedicarepriortolosingcoverage.· Youdivorceorbecomelegallyseparatedfromyourspouse.· Yourdependentlosesdependentstatus.________________COBRACOBRACOBRAReady Flo Systems LLC
CarrierPlan NameNetworkCoverageDeductibleFamily DeductibleCoinsuranceOut-Of-PocketOffice VisitSpecialty Doctor Office VisitInpatient Hospital ServicesPreventative Lab & X-RayAdvanced ImaginingUrgent CareEmergency RoomRXRatesEmployee OnlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyWeekly Rate$49.43$231.24$194.97$376.80MTBEE035$12,00080%$8,150 ($16,300)HMO - Blue Essentials$500 Copay + 80% After Ded.0/10/50/100/150/250MTBEE044HMO - Blue EssentialsIn$35 Copay$70 Copay80% After Ded.80% After Ded.80% After Ded.$75 CopayIn$4,000$361.7780% After Ded.80% After Ded.80% After Ded.$75 Copay$500 Copay + 80% After Ded.0/10/50/100/150/250Weekly Rate$45.31$221.06$186.00$6,000$15,80080%$8,150 ($16,300)$40 Copay$80 CopayNEWExisting
CarrierPlan NameNetworkCoverage In Out In OutDeductible $4,000 $10,000 $2,000 $4,000Family Deductible $12,000 $20,000 $6,000 $12,000Coinsurance 80% 50% 80% 60%Out-Of-Pocket $8,150 ($16,300) Unlimited $5,000 ($14,700) UnlimitedOffice Visit $35 Copay 50% After Ded. $30 Copay 60% After Ded.Specialty Doctor Office Visit $70 Copay 50% After Ded. $60 Copay 60% After Ded.Inpatient Hospital Services 80% After Ded. 50% After Ded. 80% After Ded. 60% After Ded.Preventative Lab & X-Ray No Charge 50% After Ded. No Charge 60% After Ded.Advanced Imagining 80% After Ded. 50% After Ded. 80% After Ded. 60% After Ded.Urgent Care $75 Copay 50% After Ded. $75 Copay 60% After Ded.Emergency Room$500 Copay + 80% After Ded.As INN$500 Copay + 80% After Ded. As INNRX 0/10/50/100/150/25010/20/70/120/150/250+50%0/10/50/100/150/25010/20/70/120/150/250+50%RatesEmployee OnlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyWeekly Rate$80.95$309.07$263.56$491.69Weekly Rate$101.89$360.76$309.12$568.00PPOMTBCP035 MTBCP019PPOExisting Existing
(1)2(02((6UnumDUDReadyflo Systems LLCWhat else is included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arryover benefit Threshold limit Carryover account limitDWDOVUDFFDOSRSDIRUGWDODPVFODLVDGRWUVUYLFVWhy is this coverage so valuable?5RWLGWDOFDUNSVRUPRWDGROERGDOWRUSODLVEDFNGE8PVFRPPLWPWWRFOOFLFVWRPUVUYLF3UVRDOLGEVLWWRPDDRUEILWVLFOGLFODLPVLIRUPDWLRFDUGVDGPRU7UVRDLWLSULRGIRUSUYWLYDGEDVLFVUYLFVHow does it work?*RRGGWDOFDULVFULWLFDOWRRURYUDOOOOEL:LW8PWDOLVUDFRFDWWDWWWLRRUWWGDWDFRVWRFDDIIRUG8PWDODOORVRWRVDGWLVWRFRRV7RWWPRVWIURPRUEILWVDGUGFRWRISRFNWFRVWVFRRVDLWRUNSURYLGUEWLOLLRUODUDWLRDOWRUN7VSURYLGUVDYDUGWRILORUFODLPVDGSROGWLVWTDOLWVWDGDUGVRFDILGLWRUNSURYLGUVDWPGWDOFDUFRP*Virtualdentalvisitsareapreventiveserviceandsubjecttopolicyyearbenefitmaximum.
(1)2(02((6 UnumDUDDental carryover benet and how it worksDEHHILWHDUDPHPEHUPVWDH•2FODL•2UODUDPDG•7RWDOGWDOFODLPVIRUSUYWLYEDVLFDGPDMRUFRYUGSURFGUVSDLGGULWDUEORWWUVROGOLPLW•IDOOWUFULWULDDERYDUPWDSRUWLRRIWDDOPDLPPLOOFDUURYUWRWWDUWHUSHLILDWLRV•(DFFRYUGIDPLOPPEUUFLYVWLURFDUURYUEILW•*URSFDUURYUEILWULGUPVWELIIFWIRUREILWDUEIRUDPPEUVFDWLOLFDUURYUEILWV•$PPEUPVWERWSODIRUDPLLPPRIWUPRWVEIRUDFFULFDUURYUEILWV•DUURYUEILWPDEVGWRDUGSUYWLYEDVLFDGPDMRUFRYUGVUYLFVRO•$PPEUVFDUURYUDFFRWLOOEOLPLDWGDGWDFFUGFDUURYUEILWVORVWLIWLVUGDVDEUDNLFRYUDIRUDOWRIWLPRUDUDVRHSHHWLOUHSGWDLGOLVYDUEVWDW3ODVUIUWRRUSROLFFUWLILFDWRUFDOORURWDFWWUDW(888) 400-9304HULHVRWOLVWHIRSFWWRUTLUDGWDOVUYLFRWLFOGGRWLVEURFULWPDVWLOOEFRYUG3ODVFDOORURWDFWWUDW(888) 400-9304WRFRILUPRUDFWEILWVOWHUDWHWUHDWPHW8PFRYUVWODVWSVLYPRVWFRPPROVGDGDFFSWG$PULFDWDO$VVRFLDWLRWUDWPWV3ODPPEUVPDOFWDPRUSVLYWUDWPWEWLOOEUVSRVLEOIRUWFRVWGLIIUFUVOWLIURPWPRUSVLYSURFGUCoverage details and costsHULH DVVLHBenefit Year Maximum*Deductible**SUEILWDU0DLPPSUIDPLOOD&RLVUDH HWRUN RHWRUNClass A Preventive Class B Basic Class C Major Class D Orthodontics *AppliestoClassA,BandCServices,ifapplicable**WaivedforClassA(appliestoClassBandCServices)HWDO&RHUDJHDVVLHWeekly cost†YouYou and your spouseYou and your children Family†Ratesguaranteedformonthsfromtheeffectivedate.
(1)2(02((6 UnumDUD&RHUHURHUHV:DLWLJHULRVDVVLH&/&Waiting Period: None•5RWLDPVSUPRWV•3URSODLVSUPRWVDGGLWLRDOFODLRUSULRGRWDOPDLWDFSUPRWVLIPPEULVLGRUUGWULPVWURISUDF•%LWLUDVPDLPPRIILOPVSUPRWV•)ORULGWUDWPWIRUFLOGUSWRDSUPRWV•6DODWVIRUFLOGUSWRDSUPDWPRODUVSUPRWV•6SDF0DLWDLUV•(PUF7UDWPWSUPRWV•)OOPRWSDRUDPLFUDVSUPRWV&/&&Waiting Period: None•6LPSOUVWRUDWLYVUYLFVILOOLV%ILWDOORGIRUDPDODPUVWRUDWLRVRSRVWULRUWW•6LPSOWUDFWLRV•2UDO6UUWUDFWLRVDGLPSDFWGWW•$VWVLDVEMFWWRUYLFRYUGLWFRPSORUDOVUU•5SDLURIFURGWURUEULG•1R6ULFDOSULRGRWLFV•6ULFDOSULRGRWLFVPWUDWPWV•3ULRGRWDOPDLWDFSUPRWLFRPELDWLRLWSURSODLV•(GRGRWLFVURRWFDDOV&/&-&Waiting Period: 12 months††•ODVDGRODV•URVEULGVGWUVDGLPSODWV&/&Waiting Period: None•6SDUDW/LIWLP0DLPP•8SWRRIOLIWLPDOORDFPDESDDEORLLWLDOEDGL•SGWFLOGUWRDRORefertoyourcertificateofcoveragefortheservicescoveredunderyourplan.
LLLLThefollowingdentalservicesarenotcoveredunlessstatedotherwiseintheCertificateofCoverage:anytreatmentwhichiselectiveorprimarilycosmeticinnatureandnotgenerallyrecognizedasagenerallyaccepteddentalpracticebytheAmericanDentalAssociation,aswellasanyreplacementofpriorelectiveorcosmeticrestorations;replacementofaremovabledeviceorappliancethatislost,missingorstolen,andforthereplacementofremovableappliancesthathavebeendamagedduetoabuse,misuse,orneglect.Thismayincludebutnotbelimitedtoremovablepartialdenturesordentures;replacementofanypermanentorremoveabledeviceorapplianceunlessthedeviceorapplianceisnolongerfunctionalandisolderthanthelimitationintheScheduleofCoveredProcedures.Thismayincludebutnotbelimitedtobridges,denturesandcrowns;anyappliance,service,orprocedureperformedforthepurposeofsplinting,toalterverticaldimensionortorestoreocclusion;anyappliance,serviceorprocedureperformedforthepurposeofcorrectingattrition,abrasion,erosion,abfraction,biteregistration,orbiteanalysis;chargesforimplants(exceptnotedabove),removalofimplants,precisionorsemi-precisionattachments,dentureduplication,ordenturesandanyassociatedsurgery,orothercustomizedservicesorattachments;servicesprovidedforanytypeoftemporomandibularjoint(TMJ)dysfunction,muscular,skeletaldeficienciesinvolvingTMJorrelatedstructures,myofascialpain.LLLMultiplerestorationsononesurfacearepayableasonesurface.Multiplesurfacesonasingletoothwillnotbepaidasseparaterestorations.Onanygivenday,morethan8periapicalx-raysorapanoramicfilminconjunctionwithbitewingswillbepaidasafullmouthradiograph.Pre-estimatesarerecommendedforanytreatmentexpectedtoexceed$300.ELTakeoverbenefitsapplyifwearetakingoveracomparablebenefitsplanfromanothercarrierandonlyifthereisnobreakincoveragebetweentheoriginalplanandthetakeoverdate.Takeoverisavailabletothoseindividualsinsuredundertheemployer’sdentalplanineffectatthetimeoftheemployer’sapplication.Iftakeoverbenefitsareincludedinyourbenefits,thenwaitingperiodsforservicewillbewaivedfortheindividualscurrentlyinsuredundertheemployer’spreviousplanduringthemonthpriortocoveragemovingtous.ApplicationoftakeoverbenefitsissubjecttoUnderwritingreviewandapproval.Newhireswithprior-likedentalcoverage(lapseincoveragemustbelessthan63days)willreceivetakeovercreditforthelengthoftimetheyhadwiththepriorcarrierandmustprovideproofofcoverage(includingcoveragedates)toreceivetakeovercredit(i.e.onepagebenefitsummary,CertificateofCreditableCoverage,etc.).††SubjecttotakeoverbenefitsANetworkAccessplanisavailable.THISPOLICYPROVIDESLIMITEDBENEFITSThisbrochureisnotintendedtobeacompletedescriptionoftheinsurancecoverageavailable.Thepoliciesortheirprovisionsmayvaryorbeunavailableinsomestates.Thepolicieshaveexclusionsandlimitationswhichmayaffectanybenefitspayable.Forcompletedetailsofcoverageandavailability,pleaserefertoPolicyFormSeriesDental20-GDNorcontactyourUnumDentalrepresentative.UnderwritenbyStarmountLifeInsuranceCompany,BatonRouge,LA.©2022UnumGroup.Allrightsreserved.UnumisaregisteredtrademarkandmarketingbrandofUnumGroupanditsinsuringsubsidiaries.(1)2(02((6unum.com
EN-376255 FOR EMPLOYEES (4-21) READYFLO SYSTEMS LLCUnum Vision® Powered by EyeMedMore flexibility, choice and savingsHow much does it cost? Weekly premiumYou $0.00You and your spouse You and your children Family Plan features:Members have the freedom to choose any provider from EyeMed’s Insight Network. Our network offers the right mix of independent, national retail and regional retail providers like Lens Crafters, Pearle Vision, Target Optical and many more. Members can also purchase glasses and contact lenses online at Glasses.com and ContactsDirect.com.Covered benefits:Exam: Each member is entitled to a comprehensive vision exam. An exam co-pay applies and is outlined in the grid at right.Materials: Each member has coverage for covered services and materials. Purchases are subject to benefit frequencies and co-pays. Plan features include:• Frame benefit: You may choose any frame within a provider’s collection, subject to the retail frame allowance listed at right. If the cost is greater than the plan’s benefits, you are responsible for the difference.• Eyeglass lens benefit: Standard plastic (CR-39 Plastic Material) single vision, bifocal, trifocal, and specialty lenses are generally covered after any applicable materials copay. If covered by plan allowance, you are responsible for any cost greater than the plan’s benefit.• Contact lens benefit: Members electing contact lenses instead of eye glass lenses may apply the contact lens allowance to any lenses in the provider’s collection. If the cost is greater than the plan’s benefits, you are responsible for the difference. Laser vision correction: Discounts are available with participating surgery providers across the country (not an insured benefit)EyeMed benefits:Vision Care ServicesIn-network Member CostOut-of-network ReimbursementsExam (1 per 12 months)$10 co-pay Up to $40Retinal Imaging BenefitUp to $39 Not coveredStandard Plastic Lenses (1 per 12 months)Single Vision$25 co-pay Up to $30Bifocal$25 co-pay Up to $50Trifocal$25 co-pay Up to $70Lenticular$25 co-pay Up to $70Standard Progressive $90 co-pay Up to $50Premium Progressive LensPremium Progressive Tier 1$110 co-pay Up to $50Premium Progressive Tier 2$120 co-pay Up to $50Premium Progressive Tier 3$135 co-pay Up to $50Premium Progressive Tier 4$90 co-pay (80% of charge less than $120 allowance)Up to $50Lens OptionsPolycarbonate Lenses (under age 19)Covered Up to $32Frames (1 per 24 months)Members may select any frame available$150 allowance Up to $105Contact Lenses (1 per 12 months) In lieu of eyeglass lensesElective$150 allowance Up to $150Non-ElectiveCovered Up to $210Standard Contact Lens Fitting Exam Fee*Up to $40 Not covered*The standard contact lens fitting exam fee applies to a new or existing contact lens user who wears spherical disposable, daily wear, or extended wear lenses only.$0.77$1.00$2.69
EN-376255 FOR EMPLOYEES (4-21) Vision InsuranceUnum Vision Powered by EyeMed members will receive the following discounts on materials at in-network providers only:• 40% off for a complete second pair of glasses.• 20% off non-prescription sunglasses.• 20% off remaining balance beyond plan coverage.Laser Vision Correction NetworkMembership provides access to preferred pricing. Transactions are handled directly between members and providers. Refractive surgery is an elective procedure and may involve potential risks to patients. This is not an insured benefit. Unum cannot and does not guarantee the outcome of any refractive surgical procedure or a total elimination of the need for glasses or contacts. Providers may not be available in all metropolitan areas. Login to www.eyemedvisioncare.com/unum for a list of participating laser vision correction providers.Hearing Savings Plan included at no additional cost to the member!Unum offers a Hearing Savings Plan at no additional cost, to all of its Unum Vision Powered by EyeMed members. Partnering with Amplifon, the Hearing Savings Plan provides:• 40% off hearing exams at thousands of convenient locations nationwide• Discounted set pricing on thousands of hearing aids, including those with the newest, most advanced technology• Low price guarantee – if you find the same product at a lower price elsewhere, Amplifon will beat it by 5%• 60-day hearing aid trial period with no restocking fees• Free batteries for 2 years with initial purchase• 3-year warranty plus loss and damage coverageDependent children: Dependent age guidelines vary by state. Please refer to your policy certificate or contact customer service at (855) 652-8686.Services not listed: If you expect to require a vision service not included on this brochure, it may still be covered. Refer to the member portal at www.eyemedvisioncare.com/unum, to confirm your exact benefits. This is a primary vision care benefit and is intended to cover only eye examinations and/or corrective eyewear. Medical or surgical treatment of eye disease or injury is not provided under this plan. Coverage may not exceed the lesser of actual cost of covered services and materials or the limits of the policy.No benefits will be paid for services, materials connected with, or charges arising from:Orthoptic or vision training, subnormal vision aids and any associated supplemental testing; Aniseikonic lenses; Medical and/or surgical treatment of the eye, eyes or supporting structures; services provided as a result of any Workers’ Compensation law, or similar legislation, or required by any governmental agency or program whether federal, state or subdivisions thereof; any Vision Examination, or any corrective eyewear required by a Policyholder as a condition of employment; Safety eyewear; Plano (non-prescription) lenses; Non-prescription sunglasses; Two pair of glasses in lieu of bifocals; Services or materials provided by any other group benefit plan providing vision care; Services rendered after the date an Insured Person ceases to be covered under the Policy, except when Vision Materials ordered before coverage ended are delivered, and the services rendered to the Insured Person are within 31 days from the date of such order; Lost or broken lenses, frames, glasses, or contact lenses will not be replaced except in the next Benefit Frequency when Vision Materials would next become available.Member receives a 20% discount on items not covered by the plan at EyeMed In-Network locations. Discount does not apply to EyeMed Provider’s professional services, or contact lenses. Plan discounts cannot be combined with any other discounts or promotional offers. In certain states, members may be required to pay the full retail rate and not the negotiated discount rate with certain participating providers. Please see EyeMed’s online provider locator to determine which participating providers have agreed to the discounted rate. Discounts on vision materials may not be applicable to certain manufacturers’ products EyeMed Vision Care reserves the right to make changes to the products on each tier and the member out-of-pocket costs. Fixed pricing is reflective of brands at the listed product level. All providers are not required to carry all brands at all levels. Service and amounts listed above are subject to change at any time. Fees charged by a Provider for services other than a covered benefit must be paid in full by the Insured Person to the Provider. Such fees or materials are not covered under the Policy. Benefit allowances provide no remaining balance for future use within the same Benefit Frequency.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 VI-2002, VI-2007 and VI-2019 or contact your Unum Vision representative.Starmount Life Insurance Company8485 Goodwood Boulevard • Baton Rouge, LA 70806PH: (855) 652-8686Vision plans are marketed by Unum, administered and underwritten by Starmount Life Insurance Company, Baton Rouge, LA.© 2021 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.
Ratesfortheselinesareloadedintheonlineenrollmentplatformandexplainedinmoredetailonthefollowingpages.VoluntaryGroupTermLife/AD&DVoluntaryGroupTermLifeInsuranceisalsoavailableforyou,yourspouse,andyourdependentchildrenthrough_________________.Asanemployee,youmaypurchaseTermLifeInsuranceforyourselfinbenefitamountsbetween$10,000and_____________,in$10,000increments.GuaranteedIssued Youcanpurchaseupto______________withouthavingtoansweramedicalquestionnaire.Ifyouchoosenottoenrollwhenyouarefirstofferedtheopportunityandchoosetoenrollatalatertime,youwillhavetocompleteamedicalquestionnaireandaresubjecttothecarrier’sapproval/denial.CriticalIllnesswithCancerCoverageEverydaythousandsofpeoplearediagnosedwithaseriousillness,suchascancerorarestrickenwithaheartattack,stroke,orotherunexpectedmedicalconditions.Thecostsassociatedwithseriousillnesses–evenforindividualswithmedicalinsurance–canbeastronomical.Thisplancanhelpovercomesomeofthecostsrelatedtosuddenillnessesthatarenotcoveredbymedicalinsurance.Youmayalsopurchasecoverageonyourspouse(age18–70)andyourdependentchildren(undertheageof26,whoareunmarriedandyourdependent.Diagnosishastotakeplaceafterthepolicyeffectivedate.UpondiagnosisofacoveredCriticalIllness,thecoveredindividualwillreceive100%ofthelumpsumbenefitamountelected. Ratesfortheseplansareloadedintheonlineenrollmentplatformandexplainedinmoredetailonthefollowingpages.AccidentInsuranceAccidentsareunexpected,asarethevariousexpenditures associated withthem.Whilemosthealthinsurancecoversmajorexpenses,itdoesnot covereveryrelatedcost.Youcouldface office visitcopays,deductibles,andtransportation/lodgingcosts – all costyou weren’t expecting. The AccidentInsurancegivesyoutheprotectionfortheunexpected.Theplanpaysyouabenefitthat can beappliedtoexpendituressurroundinganaccident,includingbutnotlimitedtoambulance,emergencyroom treatment,doctor’svisits,andsurgeryrelatedtotheaccident.Italsopaysbenefitsforcommonaccidentalinjuries,suchasburns,concussions,emergencydentalwork,dislocations,fractures,andmuchmore.Theamountofbenefityoureceive dependsonthenatureoftheinjuryorthetypeofserviceyoureceive. And thesebenefitsarepaidinadditiontoanymedicalinsuranceyoumighthave.ShortTerm/LongTerm DisabilityInsuranceHowdoyouseeyourselffiveyearsfromnow? Or ten?Chances are,you don’t seeyourself disabled. Butasurprisingnumberofpeopledofindthemselvesinjuredorsickandunabletowork – even if onlyforashorttime.Butwouldamonthseemlikeashorttimeifyouhadnoincome?Youremployeroffers plans thatwillhelpyoupayforyourhousehold expensesifyoubecome disabled andcannotwork.Theseplansmaybepurchasedwithout answeringhealthquestionsaslongasyouenrollwhenyouarefirsthired orthefirstyeartheplanisoffered.Enrollmentatanyothertimewill require medicalevidenceofinsurability.UNUM$500,000$100,000
EN-2046 (10-19) FOR EMPLOYEES1 Unum internal data, 2017READYFLO SYSTEMS LLCTerm Life with Accidental Death & Dismemberment (AD&D) Insurance can provide money for your family if you die or are diagnosed with a terminal illness.How does it work?You keep coverage for a set period of time, or “term.” If you die during that term, the money can help your family pay for basic living expenses, final arrangements, tuition and more.AD&D Insurance is also available, which can pay a benefit if you survive an accident but have certain serious injuries. It can pay an additional amount if you die from a covered accident.Why choose Unum?Your employer is offering you this coverage at no cost to you. Unum is the leading provider of employee benefits, with more than 165 years of experience.1 We’ll be there to back our benefits and provide you with the support you need.What else is included? A “Living” Benefit If you are diagnosed with a terminal illness with less than 12 months to live, you can request 100% of your life insurance benefit (up to $250,000) while you are still living. This amount will be taken out of the death benefit and may be taxable. Waiver of premium Your cost may be waived if you are totally disabled for a period of time.Portability You may be able to keep coverage if you leave the company, retire or change the number of hours you work.Employees or dependents who have a sickness or injury having a material effect on life expectancy at the time their group coverage ends are not eligible for portability.Who can get Term Life coverage?If you are actively at work at least 30 hours per week, you can receive coverage for:You: You can receive a benefit amount of $15,000. You can get up to $15,000 with no health questions.Who can get Accidental Death & Dismemberment (AD&D) coverage?You: You can receive an AD&D benefit amount of $15,000.No questions or health exams required for AD&D coverage.
EN-2046 (10-19) FOR EMPLOYEESExclusions and limitationsActively at workEligible employees must be actively at work to apply for coverage. Being actively at work means on the day the employee applies for coverage, the individual must be working at one of his/her company’s business locations; or the individual must be working at a location where he/she is required to represent the company. If applying for coverage on a day that is not a scheduled workday, the employee will be considered actively at work as of his/her last scheduled workday. Employees are not considered actively at work if they are on a leave of absence or lay off.Employees must be U.S. citizens or legally authorized to work in the U.S. to receive coverage.Employees must be actively employed in the United States with the Employer to receive coverage. Employees must be insured under the plan for spouses and dependents to be eligible for coverage.Exclusions and limitationsLife insurance benefits will not be paid for deaths that are caused by suicide occurring within 24 months after the effective date of coverage or the date that increases to existing coverage becomes effective. This exclusion standardly applies to all medically written amounts and contributory amounts that are funded by the employee including shared funding plans.AD&D specific exclusions and limitations:Accidental death and dismemberment benefits will not be paid for losses caused by, contributed to by, or resulting from:• Disease of the body; diagnostic, medical or surgical treatment or mental disorder as set forth in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders (DSM)• Suicide, self-destruction while sane, intentionally self-inflicted injury while sane or self-inflicted injury while insane• War, declared or undeclared, or any act of war• Active participation in a riot• Committing or attempting to commit a crime under state or federal law• The voluntary use of any prescription or non-prescription drug, poison, fume or other chemical substance unless used according to the prescription or direction of your doctor. This exclusion does not apply to you if the chemical substance is ethanol.• Intoxication – “Being intoxicated” means your blood alcohol level equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction where the accident occurred.Delayed effective date of coverage Employee:Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.Age reductionCoverage amounts for Life and AD&D Insurance for you will reduce to 65% of the original amount when you reach age 65, and will reduce to 50% of the original amount when you reach age 70. Coverage may not be increased after a reduction.Termination of coverageYour 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• The last day of the period for which you made any required contributions• The last day you are actively employed (unless coverage is continued due to a covered layoff, leave of absence, injury or sickness), as described in the certificate of coverageThis information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form C.FP-1 et al or contact your Unum representative.Life Planning Financial & Legal Resources services, provided by HealthAdvocate, are available with select Unum insurance offerings. Terms and availability of service are subject to change. Service provider does not provide legal advice; please consult your attorney for guidance. Services are not valid after coverage terminates. Please contact your Unum representative for details.Underwritten by:Unum Life Insurance Company of America, Portland, Maine© 2018 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.Term Life with Accidental Death & Dismemberment (AD&D) Insurance
UnumLID(1)25(0/2((6Readyflo Systems LLCWho can get Term Life coverage?IRXDUDYODRUDODRXUSURXDDSSOIRURYUDIRU &RRIURRUXSRRXUDURXDXSR7DRXRIRYUDRXDTXDOIIRURGDOXGUUSXSRRIRYUDU6SRXRYUDDRGRIRYUDDRXRXSXUDIRURXUOIRXUSRXDXSRRGDOXGUUIOEOGODGIIYGDLXSRRIRYUDUIOEOGODGIIYGD2SRORYUDOORIRXUOGUXOUEUGD7DXEIIRUOGUOYEURRHow does it work?RXRRDRXRIRYUDDUIRURXDGRXSRYUDIRUDSURGRIRUUIRXGGXUDURDOSRXUIDOSDIRUEDOYSIDODUUDXRDGRU$XUDDORDYDODEOSDDEIIRXXUYYDDGEXDYUDURXMXUSDDDGGRDODRXIRXGIURDRYUGDGWhy is this coverage so valuable?IRXEXDXRIRIRYUDRRXDUDRXURYUDIXXUXSRRRXUURG7URXOGERGDOXGUURTXDOIIRURYUDWhat else is included?LYLLWIRXDUGDRGDUDOOOODRROYRXDUTXRIRXUOIXUDEIXSRORXDUOOOY7DRXOOEDRXRIGDEIDGDEDDEOELWSPWPYWWLSLWLLELLWLLWYPWELWWLWPWPEWE5SRXOGRXOUDDRURUDGYRUEIRUXOOYEISD:LYSPLPRXURDEDYGIRXDURDOOGDEOGIRUDSURGRI3WELLWRXDEDEORSRYUDIRXODYRSDUURUDXEURIRXURXRU(PSORHHRUGHSHGHWRDYHDLFNHRULMUDYLDPDWHULDOHIIHFWROLIHHSHFWDFDWWHWLPHWHLUURSFRYHUDHHGDUHRWHOLLEOHIRUSRUWDELOLWLIDLDDLDWho can get Term Life coverage?IRXDUDYODRUDODRXUSURXDDSSOIRURYUDIRU&RRIURRUXSRRXUDURXDXSR7DRXRIRYUDRXDTXDOIIRURGDOXGUUSXSRRIRYUDU6SRXRYUDDRGRIRYUDDRXRXSXUDIRURXUOIRXUSRXDXSRRGDOXGUUIOEOGODGIIYGDLXSRRIRYUDUIOEOGODGIIYGD2SRORYUDOORIRXUOGUXOUEUGD7DXEIIRUOGUOYEURRWho can get Accidental Death & Dismemberment (AD&D) coverage?XSRRI$RYUDIRURXUOIURDDXRIRXUDUSXSRRI$RYUDIRURXUSRXUIOEOGODGIIYGDLXSRRIRYUDIRURXUOGUUIOEOGODGIIYGD1RPHGLFDOGHUULWLLUHTLUHGIRUFRYHUDH
UnumLID(1)25(0/2((6(URYUDDRXRXDYGEDRXR0XOSOEUD8UDDEODURIGUDEDGRD&RRHWHDHRLOOEHHRUFRYHUDHEHFRPHHIIHFWLYH6HHRUSODDGPLLWUDWRUIRURUSODHIIHFWLYHGDWH7RGHWHUPLHRUSRHUDWHFRRHWHDHWHHPSORHHLOOEHHFRYHUDHEHFRPHHIIHFWLYH6HHRUSODDGPLLWUDWRUIRURUSODHIIHFWLYHGDWH(URXUR%LOOHGDPRWPDYDUOLWOIRDSSOIRUFRYHUDHDERYHWHDUDWHHGLHDPRWRPDEHEMHFWWRPHGLFDOGHUULWLLFPDDIIHFWRUDELOLWWRHWWHODUHUFRYHUDHDPRWRUGHUWRSUFDHFRYHUDHIRURUGHSHGHWRPWEFRYHUDHIRURUHOI&RYHUDHDPRWFDRWHFHHGRIRUFRYHUDHDPRWWW1 2 3 4PS S L WWSpouse monthly ratePer $1,000 of coverage&REmployee monthly rateAgePer $1,000 of coverage&R How much coverage can I get?Child monthly rate$0.200 per $1,000 of coverage(U$RYUDDRXRXDYGEDRXR0XOSOEUD8$UDDEODURIGUD(URXURAD&D monthly ratesCoverage amount RatePS SURIRYUD S SURIRYUD L SURIRYUD AD&D1 2 3 4PS S L WW
UnumLID(1)25(0/2((6RDDRDR(OLLEOHHPSORHHPWEHDFWLYHODWRUNWRDSSOIRUFRYHUDH%HLDFWLYHODWRUNPHDRWHGDWHHPSORHHDSSOLHIRUFRYHUDHWHLGLYLGDOPWEHRUNLDWRHRILHUFRPSDELHORFDWLRRUWHLGLYLGDOPWEHRUNLDWDORFDWLRHUHHHLUHTLUHGWRUHSUHHWWHFRPSDIDSSOLIRUFRYHUDHRDGDWDWLRWDFHGOHGRUNGDWHHPSORHHLOOEHFRLGHUHGDFWLYHODWRUNDRILHUODWFHGOHGRUNGD(PSORHHDUHRWFRLGHUHGDFWLYHODWRUNLIWHDUHRDOHDYHRIDEHFHRUODRIIPDUULHGDGLFDSSHGGHSHGHWFLOGREHFRPHDGLFDSSHGSULRUWRWHFLOGDWWDLPHWDHRIPDEHHOLLEOHIRUEHHILWOHDHHHRUSODDGPLLWUDWRUIRUGHWDLORHOLLELOLW(PSORHHPWEH6FLWLHRUOHDOODWRULHGWRRUNLWH6WRUHFHLYHFRYHUDH(PSORHHPWEHDFWLYHOHPSORHGLWHLWHG6WDWHLWWH(PSORHUWRUHFHLYHFRYHUDH(PSORHHPWEHLUHGGHUWHSODIRUSRHDGGHSHGHWWREHHOLLEOHIRUFRYHUDHRDDR/LIHLUDFHEHHILWLOORWEHSDLGIRUGHDWFDHGELFLGHRFFUULLWLPRWDIWHUWHHIIHFWLYHGDWHRIFRYHUDH7HDPHDSSOLHIRULFUHDHGRUDGGLWLRDOEHHILWRDDRFFLGHWDOGHDWDGGLPHPEHUPHWEHHILWLOORWEHSDLGIRUORHFDHGEFRWULEWHGWRERUUHOWLIURP•LHDHRIWHERGGLDRWLFPHGLFDORUULFDOWUHDWPHWRUPHWDOGLRUGHUDHWIRUWLWHODWHWHGLWLRRIWHLDRWLFDG6WDWLWLFDO0DDORI0HWDOLRUGHU60•6LFLGHHOIGHWUFWLRLOHDHLWHWLRDOOHOILIOLFWHGLMULOHDHRUHOILIOLFWHGLMULOHLDH•:DUGHFODUHGRUGHFODUHGRUDDFWRIDU•FWLYHSDUWLFLSDWLRLDULRW•&RPPLWWLRUDWWHPSWLWRFRPPLWDFULPHGHUWDWHRUIHGHUDOOD•7HYROWDUHRIDSUHFULSWLRRURSUHFULSWLRGUSRLRIPHRURWHUFHPLFDOEWDFHOHHGDFFRUGLWRWHSUHFULSWLRRUGLUHFWLRRIRURURUGHSHGHWGRFWRU7LHFOLRGRHRWDSSOWRRRURUGHSHGHWLIWHFHPLFDOEWDFHLHWDRO•WRLFDWLR%HLLWRLFDWHGPHDRURURUGHSHGHWEORRGDOFRROOHYHOHTDORUHFHHGWHOHDOOLPLWIRURSHUDWLDPRWRUYHLFOHLWHWDWHRUMULGLFWLRHUHWHDFFLGHWRFFUUHGDDRRDUDFHFRYHUDHLOOEHGHODHGLIRDUHRWDDFWLYHHPSORHHEHFDHRIDLMULFNHWHPSRUDUODRIIRUOHDYHRIDEHFHRWHGDWHWDWLUDFHROGRWHULHEHFRPHHIIHFWLYHHODHG(IIHFWLYHDWHLIRUSRHRUFLOGDDHULRLMULFNHRUGLRUGHURULFRILHGWHLUFRYHUDHPDRWWDNHHIIHFWDPHWRISUHPLPGRHRWDUDWHHFRYHUDHOHDHUHIHUWRRUSROLFFRWUDFWRUHHRUSODDGPLLWUDWRUIRUDHSODDWLRRIWHGHODHGHIIHFWLYHGDWHSURYLLRWDWDSSOLHWRRUSODR&RYHUDHDPRWIRU/LIHDGUDFHIRURDGRUGHSHGHWLOOUHGFHWRRIWHRULLDODPRWHRUHDFDHDGLOOUHGFHWRRIWHRULLDODPRWHRUHDFDH&RYHUDHPDRWEHLFUHDHGDIWHUDUHGFWLRDRRRDRUFRYHUDHDGRUGHSHGHWFRYHUDHGHUWHSROLFHGRWHHDUOLHWRI•7HGDWHWHSROLFRUSODLFDFHOOHG•7HGDWHRRORHUDUHLDHOLLEOHURS•7HGDWHRUHOLLEOHURSLRORHUFRYHUHG•7HODWGDRIWHSHULRGIRULFRPDGHDUHTLUHGFRWULEWLR•7HODWGDRDUHDFWLYHOHPSORHGOHFRYHUDHLFRWLHGGHWRDFRYHUHGODRIIOHDYHRIDEHFHLMURULFNHDGHFULEHGLWHFHUWLILFDWHRIFRYHUDHDGGLWLRFRYHUDHIRUDRHGHSHGHWLOOHGRWHHDUOLHWRI•7HGDWHRUFRYHUDHGHUDSODHG•7HGDWHRUGHSHGHWFHDHWREHDHOLLEOHGHSHGHW•)RUDSRHWHGDWHRIDGLYRUFHRUDOPHW•)RUGHSHGHWWHGDWHRIRUGHDWPLOOSURYLGHFRYHUDHIRUDSDDEOHFODLPWDWRFFULOHRDGRUGHSHGHWDUHFRYHUHGGHUWHSROLFRUSOD7LLIRUPDWLRLRWLWHGHGWREHDFRPSOHWHGHFULSWLRRIWHLUDFHFRYHUDHDYDLODEOH7HSROLFRULWSURYLLRPDYDURUEHDYDLODEOHLRPHWDWH7HSROLFDHFOLRDGOLPLWDWLRLFPDDIIHFWDEHHILWSDDEOH)RUFRPSOHWHGHWDLORIFRYHUDHDGDYDLODELOLWSOHDHUHIHUWRROLF)RUP&)HWDORUFRWDFWRUPUHSUHHWDWLYH/LIHODL)LDFLDO/HDO5HRUFHHUYLFHSURYLGHGEHDOWGYRFDWHDUHDYDLODEOHLWHOHFWPLUDFHRIIHUL7HUPDGDYDLODELOLWRIHUYLFHDUHEMHFWWRFDH6HUYLFHSURYLGHUGRHRWSURYLGHOHDODGYLFHSOHDHFROWRUDWWRUHIRULGDFH6HUYLFHDUHRWYDOLGDIWHUFRYHUDHWHUPLDWHOHDHFRWDFWRUPUHSUHHWDWLYHIRUGHWDLOPFRPSOLHLWWDWHFLYLOLRDGGRPHWLFSDUWHUODHDSSOLFDEOHGHUULWWHEP/LIHUDFH&RPSDRIPHULFDRUWODG0DLHkPURSOOULWUHHUYHGPLDUHLWHUHGWUDGHPDUNDGPDUNHWLEUDGRIPURSDGLWLULELGLDULH
(1)2(032((Unum DDReadyflo Systems LLCHow does it work?IDFYUUMUNSIUUN6U7UDUDFUSDFSDUIUFUFYU$DUDDFDUFYSDIUSNUUDFUDIUDSUDSDUIUMDUFIIUDDUWhy is this coverage so valuable?FDYUFFDSSDIUUUUUDUFUISFNFDSDUWhat else is included?DDEIDYDDUDFFUDIUDSUINUUUNIUI6U7UDUDFSDDNIIDYDFYUDDNSIUUNConsider your expensesUtilities $Housing $Groceries $Transportation $Child care/Elder care $Medical/Personal care $Education $Insurance $DD
(1)2(032((Unum DDCalculate your cost•)USEnter your rate from the Rate Chart, based on your age.DUFYUDFIIFY6USDDUDUIUUSDIIFYD(PD(7UIDDSDUIUDIDFYUDDDFDUFYUDIUIDIUFDIUDD7DUINFDUFYIUDDYDNIUDHow much coverage can I get?DUIUFYUDIDUDDFYS86DUNDIUSUNYUIUNFSDDIISUN7NIDUFUIIUUFIFWDOLFORUIRUPRULIRUPDWLR%LOOGDPRWPDYDUOLWORUUDWLEDGRRUDDGLOOLFUDDRPRYWRWWDEDG7PDLPPFRYUGDDOLFRPLAge Rates15-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65+ D1Calculate your weekly disability benefit. 0DNIDYDDIDFSDDIUUDDDUUNDU0DIFFYU2Calculate your cost per paycheck. UNIDUUD UFUDDF1UISDFFNSUDUUFSUSDFFN
(1)2(032((Unum DDLDLLDLLRDUFRLGUGLDFWLYPSORPWLIRWGDRDSSOIRUFRYUDRDUELSDLGUODUOERUPSORUIRUWUTLUGPLLPPRUDFNDGRDUSUIRUPLWPDWULDODGEWDWLDOGWLRIRUUODURFFSDWLRDLDDUDFFRYUDLOOEGODGLIRDURWDDFWLYPSOREFDRIDLMULFNWPSRUDUODRIIRUODYRIDEFRWGDWWDWLUDFROGRWULEFRPIIFWLYLLLLDELLRDUFRLGUGGLDEOGPGWUPLWDWGWRLFNRULMU•RDUOLPLWGIURPSUIRUPLWPDWULDODGEWDWLDOGWLRIRUUODURFFSDWLRDGRDURWRUNLRU•RDURUNLEWRDYORWRUPRULNODULRPWEGUWUODUFDURIDSLFLDLRUGUWREFRLGUGGLDEOG7ORRIDSURILRDORURFFSDWLRDOOLFRUFUWLILFDWLRGRRWLLWOIFRWLWWGLDELOLWOWSROLFSFLILRWULDSDUWRIWGLDELOLWFODLPYDODWLRSURFPLOOYDODWRURFFSDWLREDGRRLWLRUPDOOSUIRUPGLWDWLRDOFRRPRWRRUNLSUIRUPGIRUDSFLILFPSORUDWDSFLILFORFDWLRRULDSFLILFULRLELRUGLDELOLWEILWPDEUGFGEGGFWLEORUFRILFRPDGDDULRDYLORDUGLDEOGLFOGLFLWPDURSGLDELOLWEILWRURWUDPRWRUFLYRUDUWLWOGWRUFLY•:RUNUFRPSDWLRRULPLODURFFSDWLRDOEILWOD•WDWFRPSORUEILWOD•$WRPRELOOLDELOLWLUDFSROLF•0RWRUYLFOLUDFSROLFRUSOD•1RIDOWPRWRUYLFOSOD•DOMGPWDGWWOPW•DODUFRWLDWLRRULFNODYSODLIDSSOLFDEO•2WUURSRUDRFLDWLRGLDELOLWSURUDPRULUDF•RFLDOFULWRULPLODURYUPWDOSURUDPLDLLDL%ILWLOORWESDLGIRUGLDELOLWLFDGEFRWULEWGWRERUUOWLIURP•:DUGFODUGRUGFODUGRUDDFWRIDU•$FWLYSDUWLFLSDWLRLDULRW•WWLRDOOOILIOLFWGLMUL•RRISURILRDOOLFRFFSDWLRDOOLFRUFUWLILFDWLR•RPPLLRRIDFULPIRULFRDYEFRYLFWG•$SULRGRIGLDELOLWGULLFRDULFDUFUDWG7ORRIDSURILRDORURFFSDWLRDOOLFGRRWLLWOIFRWLWWGLDELOLWLDLDRUFRYUDGUWSROLFGRWDUOLWRIWIROORL•7GDWWSROLFRUSODLFDFOOG•7GDWRRORUDULDOLLEOURS•7GDWRUOLLEOURSLRORUFRYUG•7ODWGDRIWSULRGIRULFRPDGDUTLUGFRWULEWLR•7ODWGDRDULDFWLYPSORPWFSWDSURYLGGGUWFRYUGODRIIRUODYRIDEFSURYLLRPLOOSURYLGFRYUDIRUDSDDEOFODLPWDWRFFULORDUFRYUGGUWSROLFRUSOD7LLIRUPDWLRLRWLWGGWREDFRPSOWGFULSWLRRIWLUDFFRYUDDYDLODEO7SROLFRULWSURYLLRPDYDURUEDYDLODEOLRPWDW7SROLFDFOLRDGOLPLWDWLRLFPDDIIFWDEILWSDDEO)RUFRPSOWGWDLORIFRYUDDGDYDLODELOLWSODUIUWR3ROLF)RUP)3WDORUFRWDFWRUPUSUWDWLYGUULWWEPLIUDFRPSDRI$PULFD3RUWODG0DLkP*URS$OOULWUUYGPLDULWUGWUDGPDUNDGPDUNWLEUDGRIP*URSDGLWLULELGLDUL
UnumLDLLD(1)2(03/2((Readyflo Systems LLCHow does it work?7LRYHUDHSURYLGHDROEHHILLIRDYHDRYHUHGLOOHRULMUDGRDRUNIRUDIHRRUHYHORHURUHHHUDOORLGHUHGGLDEOHGLIRUHDEOHRGRLSRUDSDURIRUMREDGRULRHIIHUDDUHOWhy is this coverage so valuable?RDHHRHRHYHURRRHDHOSRSDIRURUUHRURUDHURHULHRRISRNHHGLDOHSHHDGRUHLDLLDConsider your expensesUtilities $Housing $Groceries $Transportation $Child care/Elder care $Medical/Personal care $Education $Insurance $R7HULDELOLUDHDUHSODHSDURIRULRHLIDGLDELOLNHHSRRRIRUNIRUDORSHULRGRILHWhat else is included?RIWIRGLHLOHRYHEHHGLDEOHGDGUHHLYLEHHILIRUDOHDGDRUIDLOROGHDEHHILHTDORRRIRUURGLDELOLSDHDRISPPIRUHGLDEOHGDGUHHLYLEHHILSDH8DLYHRURLORUHURRUNRIEDD(PSRWDRDPHDHRSURIHLRDOHOSIRUDUDHRISHURDODGRUNUHODHGLHLOGLRHORUUHIHUUDOILDLDOSODLDGOHDOSSRURPWDDWD2HSRHDOOHRDGRUIDLOLHGLDHHOSDHUHLHRUOGDORDRUHUDYHOLRURUHLOHIURRHRHYHUDSRHUDYHOLRELHIRULRUHUHSORHULRRYHUHG
UnumLDLLD(1)2(03/2((%LOOGDPRXWPDYDUOLWORXUUDWLEDGRRXUDDGLOOLFUDDRXPRYWRWWDEDGIf you don’t sign up now but decide to apply later, you may have to answer health questions.(PDWRSR(RUHOLLDLRSHULRGLGD7LLHEHURIGDDSDDIHUDRYHUHGDLGHRULOOHEHIRUHRDEHLRUHHLYHEHHILIWDWR7LLHDLOHRILHRDUHHLYHEHHILLOHRUHGLDEOHGRDUHHLYHEHHILSRH6RLDO6HUL66RUDOUHLUHHDHHow much coverage can I get?You*RDUHHOLLEOHIRURYHUDHLIRDUHDDLYHHSORHHLH8LHG6DHRUNLDLLRIRUSHUHHNRYHURIRUROLRHSRDDLSDHRI7HROEHHILDEHUHGHGRURIIHERHURUHRILRHW/DOLFORXUIRUPRULIRUPDWLRCalculate your cost•8HLIRUDDOHDULHHHGLDR7LLHDLRYHUDHDRRIIHUHGLLSOD•0OLSOERUUDHUse the rate table to find the rate based on your age.RRHHDHRLOOEHHRURYHUDHEHRHHIIHLYH6HHRUSODDGLLUDRUIRURUSODHIIHLYHGDHAge Rates15-2425-29 30-34 35-3940-4445-49 50-5455-5960-64 65-6970+Disability worksheet1Enter your annual earnings and calculate your maximum monthly benefit available. RUDDOHDULRUROHDUL0DRILRHRYHUHG 0DROEHHILDYDLODEOH2Calculate your cost per paycheck RUDDOHDUL5DH 1EHURISDHNSHUHDU7RDORSHUSDHN
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EN-2050 FOR EMPLOYEES (9-21) Page 1READYFLO SYSTEMS LLCCritical Illness Insurancecan pay money directly to you when you’re diagnosed with certain serious illnesses.How does it work?If you’re diagnosed with an illness that is covered by this insurance, you can receive a lump sum benefit payment. You can use the money however you want.Why is this coverage so valuable?• The money can help you pay out-of-pocket medical expenses, like co-pays and deductibles.• You can use this coverage more than once. Even after you receive a payout for one illness, you’re still covered for the remaining conditions and for the reoccurrence of any critical illness with the exception of skin cancer. The reoccurrence benefit pays 100% of your coverage amount. Diagnoses must be at least 180 days apart or the conditions can’t be related to each other.What’s covered?Critical illnesses• Heart attack• Stroke• Major organ failure• End-stage kidney failure•Coronary artery disease Major (50%): Coronary artery bypass graft or valve replacement Minor (10%): Balloon angioplasty or stent placementCancer conditions• Invasive cancer — all breast cancer is considered invasive• Non-invasive cancer (25%)• Skin cancer — $500Progressive diseases Supplemental conditions• Amyotrophic Lateral Sclerosis (ALS)• Dementia, including Alzheimer’s disease• Multiple Sclerosis (MS)• Parkinson’s disease• Functional loss• Loss of sight, hearing or speech• Benign brain tumor• Coma• Permanent Paralysis• Occupational HIV, Hepatitis B, C or D• Infectious Diseases (25%)Be Well BenefitEvery year, each family member who has Critical Illness coverage can also receive a payment for getting a covered Be Well Benefit screening test, such as:• Annual exams by a physician include sports physicals, well-child visits, dental and vision exams• Screenings for cancer, including pap smear, colonoscopy• Cardiovascular function screenings• Screenings for cholesterol and diabetes• Imaging studies, including chest X-ray, mammography• Immunizations including HPV, MMR, tetanus, influenzaWho can get coverage?You: Choose $15,000 or $30,000 of coverage with no medical questions if you apply during this enrollment.Your spouse:Spouses can get 50% of the employee coverage amount as long as you have purchased coverage for yourself.Your children:Children from live birth to age 26 are automatically covered at no extra cost. Their coverage amount is 50% of yours. They are covered for all the same illnesses plus these specific childhood conditions: cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome and spina bifida. The diagnosis must occur after the child’s coverage effective date. Active employment: You are considered in active employment if, on the day you apply for coverage, you are being paid regularly for the required minimum 20 hours each week and you are performing the material and substantial duties of your regular occupation. Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective. New employees have a 30 day waiting period to be eligible for coverage. Please contact your plan administrator to confirm your eligibility date. If enrolling, and eligible for Medicare (age 65+; or disabled) the Guide to Health Insurance for People with Medicare is available at www.medicare.gov/media/9486. Please refer to the certificate for complete definitions about these covered conditions. Coverage may vary by state. See exclusions and limitations. Why should I buy coverage now?• It’s more affordable when you buy it through your employer and the premiums are conveniently deducted from your paycheck.• Coverage is portable. You may take the coverage with you if you leave the company or retire. You’ll be billed at home.
EN-2050 FOR EMPLOYEES (9-21)Page 2Critical Illness Insurance benefit and costPre-existing conditionsWe will not pay benefits for a claim when the Covered Loss occurs in the first 12 months following an Insured’s Coverage Effective Date and the Covered Loss is caused by, contributed to by or occurs as the the result of any of the following:• a Pre-existing Condition; or• complications arising from treatment or surgery for, or medications taken for, a Pre-existing Condition.An Insured has a Pre-existing Condition if, within the 12 months just prior to their Coverage Effective Date, they have an injury or sickness, whether diagnosed or not, for which:• medical treatment, consultation, care or services, or diagnostic measures were received or recommended to be received during that period;• drugs or medications were taken, or prescribed to be taken during that period; or• symptoms existed. The Pre-existing Condition provision applies to any Insured’s initial coverage and any increases in coverage. Coverage Effective Date refers to the date any initial coverage or increases in coverage become effective.Pre-existing Condition requirements are not applicable to children who are newly acquired after your Coverage Effective Date.Date of diagnosis must be after the coverage effective date.Exclusions and limitationsWe will not pay benefits for a claim that is caused by, contributed to by, or occurs as a result of any of the following: committing or attempting to commit a felony; being engaged in an illegal occupation or activity; injuring oneself intentionally or attempting or committing suicide, whether sane or not; active participation in a riot, insurrection, or terrorist activity. This does not include civil commotion or disorder, injury as an innocent bystander, or injury for self-defense; participating in war or any act of war, whether declared or undeclared; combat or training for combat while serving in the armed forces of any nation or authority, including the National Guard, or similar government organizations; voluntary use of or treatment for voluntary use of any prescription or non-prescription drug, alcohol, poison, fume, or other chemical substance unless taken as prescribed or directed by the Insured’s Physician; being intoxicated; and a Date of Diagnosis that occurs while an Insured is legally incarcerated in a penal or correctional institution.Additionally, no benefits will be paid for a Date of Diagnosis that occurs prior to the Coverage Effective Date.End of employee coverageIf you choose to cancel your coverage your coverage ends on the first of the month following the date you provide notification to your employer. Otherwise, your coverage ends on the earliest of the: date this policy is canceled by Unum or your employer; date you are no longer in an eligible group; date your eligible group is no longer covered; date of your death; last day of the period any required premium contributions are made; or last day you are in active employment. However, as long as premium is paid as required, coverage will continue in accordance with the Continuation of your Coverage during Absences provision or if you elect to continue coverage for you, your Spouse, and Children under Portability of Critical Illness Insurance.Unum will provide coverage for a payable claim that occurs while you are covered under this certificate.THIS INSURANCE PROVIDES LIMITED BENEFITSThis information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and imitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form GCIP16-1 or the Certificate Form GCIC16-1 or contact your Unum representative.Underwritten by: Unum Insurance Company, Portland, Maine© 2021 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.Monthly costsAgeEmployee coverage: $15,000Spouse coverage: $7,500Be Well benefit: $50Employee Spouseunder 25 $4.87 $3.6025 - 29 $6.07 $4.2030 - 34 $8.02 $5.1735 - 39 $9.82 $6.0740 - 44 $14.17 $8.2545 - 49 $21.37 $11.8550 - 54 $32.77 $17.5455 - 59 $46.27 $24.3060 - 64 $67.42 $34.8765 - 69 $99.67 $51.0070 - 74 $148.27 $75.3075 - 79 $205.57 $103.9580 - 84 $281.32 $141.8285+ $440.47 $221.40Monthly costsAgeEmployee coverage: $30,000Spouse coverage: $15,000Be Well benefit: $100Employee Spouseunder 25 $9.74 $7.1925 - 29 $12.14 $8.3930 - 34 $16.04 $10.3435 - 39 $19.64 $12.1440 - 44 $28.34 $16.4945 - 49 $42.74 $23.6950 - 54 $65.54 $35.0955 - 59 $92.54 $48.5960 - 64 $134.84 $69.7465 - 69 $199.34 $101.9970 - 74 $296.54 $150.5975 - 79 $411.14 $207.8980 - 84 $562.64 $283.6485+ $880.94 $442.79
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