1 [Long] [Short] Term Disability Insurance An overview of the benefits Presenter’s name | Month, Year EN-1907 (10-14)

2 Why Unum? Financial stability Solid financial ratings, even in today’s tough economy Proven experience 165 years of benefits innovation and leadership We put people first Professional, prompt, courteous service during difficult times We listen to you Highly trained benefit specialists ready to assist you

3 Disability: What is it? Why do you need this protection? Generally speaking, it means you are unable to work in your occupation (or can’t perform your job fully) as a result of a covered illness or injury. Why do you need disability insurance? Your most important asset is your ability to earn an income. Could you face your ongoing financial responsibilities without a paycheck? Why is it important? To help ensure you have money coming in if a disability happens to you Would other insurance help? Medical insurance doesn’t replace lost income Workers’ compensation only covers job-related issues Social Security disability only helps if your disability is terminal or is expected to last at least a year

4 Disability: What’s the risk? Consider the odds 1,2,3 National Safety Council, Injury Facts (2014). 4 Council for Disability Awareness, “Chances of Disability: Me, Disabled?” (2012; accessed Jun. 15, 2014), A disability can come out of nowhere Every 10 minutes 700 Americans suffer an injury severe enough to seek medical help. 1 That’s 37 million per year. 2 Most injuries are not work-related, and therefore not covered by workers’ compensation. 3 But injuries aren’t the only reasons you might not be able to work Approximately 90% of all disabilities are caused by illnesses rather than accidents. 4

5 Here’s how Short Term Disability Insurance can help Use for STD Short Term Disability can pay a weekly benefit if you’re unable to work for a few weeks or a few months Linda’s story Linda has a family that depends on her. So when she needed stomach surgery, she wondered how they would make ends meet while she couldn’t work. Fortunately, Linda’s Short Term Disability Insurance helped her pay the bills until she could return to her teaching job. How Linda’s Short Term Disability benefits helped cover the cost Short Term Disability didn’t replace all of her salary, but it provided enough income to supplement her savings and help put toward the basics:

6 Here’s how Long Term Disability Insurance can help Jake could use his monthly disability benefit to pay for: The top 5 reasons people use this benefit Use for LTD Jake’s story Here’s an example of how it works: Jake wanted to clean his rain gutters out before spring — but he took a bad fall instead. He landed in the hospital for back surgery and had to miss a few months of work while he healed. Luckily, Jake had Long Term Disability! Long Term Disability can pay a monthly benefit if you’re unable to work for an extended period of time. Cancer Back disorders Injuries Cardiovascular problems Joint disorders Behavioral issues Unum internal data, Note: Causes are listed in ranked order Mortgage Groceries Utilities Car insurance Medical bills Credit card bills

7 Who can get coverage? You are eligible for this benefit if you work at least X hours per week for Company Name. How much coverage can I get? [Insert appropriate text based on plan design-see speaker notes] Your plan overview Please see your enrollment materials for full coverage details, exclusions and limitations. When do my [Short] [Long] Term Disability benefits begin? (elimination period) [Insert appropriate text based on plan design-see speaker notes] How long do my [Short] [Long] Term Disability benefits last? As long as you continue to meet your policy’s definition of disability, you may receive benefits for up to [xx] [weeks] [months].

8 What else do I need to know? Delayed effective date of coverage: Insurance coverage will be delayed if you are not an active employee because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective. [If you sign up before mm/dd/yy, you can enroll in this coverage without answering any health questions or taking a medical exam.] [You may enroll in coverage without completing a medical exam. You will be asked to answer a few health questions and coverage is subject to the responses.] [Enroll now and you are guaranteed coverage with no health questions or exams, as long as a minimum number of people enroll. Enroll after this enrollment period and you will have to answer health questions that may impact your coverage eligibility.]

9  [It can pay you a (percentage- portion) of your earnings if you cannot work due to a covered injury or illness.*]  [You don’t have to answer any health questions. You are guaranteed coverage if you sign up now.** If you sign up later you will have to answer medical questions that may impact your coverage eligibility.]  [It’s available to you at competitive group rates you won’t find outside your workplace.] Why purchase [Short] [Long] Term Disability coverage? [ *Your disability benefit may be reduced by deductible sources of income and any earnings you have while you are disabled. ] [**Benefits may be subject to a pre-existing condition limitation]  [Your employer is contributing towards the cost of your coverage, making this coverage even more affordable for you.]  [There are no checks to write. You can pay for it through convenient payroll deduction.]  [This plan covers disabilities that leave you unable to work or only able to work part time.]  [You can take this coverage if you leave your employer.]

10 Additional features that add value [*Unum will determine when and to what extent return to work services are appropriate.] [Worldwide emergency travel assistance services are provided by Assist America, Inc. Work-life balance employee assistance program services are provided by Ceridian HCM. Services are available with select Unum insurance offerings. Terms and availability of service are subject to change and prior notification requirements. Service providers do not provide legal advice; please consult your attorney for guidance. Services are not valid after coverage terminates. Please contact your Unum representative for details.] [Social Security advocacy services are provided by GENEX Services, Inc. or The Advocator Group, LLC. Referral to one of our advocacy partners is determined by Unum ] [Work-life balance employee assistance program] [Portability][Waiver of premium] [Worldwide emergency travel assistance services] [Rehabilitation and return-to- work support*] [Survivor benefit] [Accelerated survivor benefit] [Social Security Advocacy Assistance Program]

11 [Review your enrollment materials.] [Calculate your cost.] [Call: XXX-XXX-XXX to speak to a benefits representative during your enrollment dates: 8 a.m.− 8 p.m. ET Monday − Friday] [Go online to your enrollment website: URL] [Complete your enrollment form and return it to appropriate contact] How do I enroll?

12 Visit us at unum.com [Underwritten by: Unum Life Insurance Company of America Portland, ME] [In NY, underwritten by: First Unum Life Insurance Company New York, New York This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.] This 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.FI-1 et al., or contact your Unum representative. unum.com © 2014 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. EN-1907 (10-14)FOR EMPLOYEES