1 What’s covered This presentation is designed to cover the following:  Unum history, market position  What is short term disability insurance  Why you may need it  How it works  Plan design and options  Reasons to buy, guaranteed issue, exclusions, etc.  Enrollment instructions Customizable  This presentation can be customized according to plan design offered.  Remove slides that do not apply to the case offering or slides that do not apply to your state/policy.  Red text implies that text is variable − choose the correct option/value per the case plan design.  Text in brackets is optional and can be removed if not offered. Notes pages  Please read the notes page (click on View on the menu bar, click on Notes page) to determine if a slide applies to your case/state and policy. How to use this presentation

2 2 Presenter’s name | Month, Year Individual short term disability insurance An overview of the benefits EN-1163 (6-13)

3 Why Unum? Proven experience A heritage of more than 160 years in the insurance industry We listen to you Highly trained benefit specialists ready to assist you We put people first Professional, prompt, courteous service during difficult times Financial stability Solid financial ratings, even in today’s tough economy

4 Disability. What is it? What is a disability? Generally speaking, it means you are unable to work in your occupation as result of: Illness or Injury Could this happen to you? Could you be absolutely certain you will never experience an accident or suffer a sickness? If not, Could you experience a disability?

5  How would you pay the bills if you were disabled? A disability could last for weeks, months or even longer. Would you: Be able to rely on your savings? Borrow from friends or family? Run up credit card debt?  Would medical insurance, workers’ compensation or Social Security disability pay for your disability? The answer is NO in most cases. What would you do if your paycheck stopped tomorrow? Regardless if you live paycheck to paycheck, this insurance can be a very important financial safety net.

6 Here’s how individual short term disability insurance can help Rachel’s story  A bad fall  Ankle surgery  In a cast  On crutches  Out of work for several weeks A disability benefit While Rachel recovers, she could use her monthly benefit payments for: Rachel’s plan also would cover absence due to: Short term disability insurance can replace a portion of your income while you are disabled.

7 It’s important to know your policy’s definition of disability  You are unable to perform the material and substantial duties of your regular occupation;  You are not engaged in any occupation; and  You are under a physician’s care for the injury or covered sickness causing such a total disability Unum determines whether you have an eligible disability due to sickness or injury based on this definition

8 You can choose from the following options: Benefit period: [Indicate the benefit period offered according to specific plan design offered] Elimination period: [Indicate the EP options according to the specific plan design offered] Benefit amount: [Indicate the benefit amounts available based on the specific plan design offered – adjust if necessary] Choose a monthly benefit between X and X-X for an illness and/or off-the-job injury disability. Coverage of up to 60%* of your gross monthly salary may be offered. *Benefit is limited to 40% in CA, HI, NJ, and RI.

9 [Mental illness rider This rider provides a disability benefit due to mental illness equal to 50% of the policy benefit amount, up to a maximum benefit period of 24 months.] What else is included with this benefit? You may keep your coverage if you leave the company or retire. You can keep this policy up to age 72. If you become disabled and are receiving benefits, you won't have to pay for this coverage after 90 days of total disability. Unum will waive your cost until you recover and return to work.

10 Pre-existing condition limitation What is a pre-existing condition? It’s a sickness or physical condition for which within 12 months before the coverage effective date: 1.Symptoms existed that would cause a person to seek advice or treatment from a doctor; or 2.You were treated, received advice from a doctor or took prescribed medicine. How can it affect you in the event of a disability? 1.If you experience a disability because of a pre-existing condition, benefits will not be paid for such disability if it happens during the first 12 months your policy is in force 1 2.If your disability due to a pre-existing condition occurs beyond 12 months from the effective date of coverage, your disability will be treated as any other disability 1 –Six month period applies in ID and NV. In TX, six month period applies only for applicants 65+ Coverage effective date Pre-existing limitation no longer applies [12] months †† after effective date [12] months †† before effective date

11 Are disabilities due to maternity covered? Pregnancy 1 Nine months after coverage becomes effective, pregnancy is considered the same as any other covered illness. The monthly benefits due will be paid once the elimination period is fulfilled. What if birth occurs within the first nine months?  Benefits will not be paid if the insured gives birth within the first nine months after the effective date of coverage. However,  Medical complications of pregnancy may be considered as any other covered sickness, unless those complications were pre-existing. 1 Nine-month giving-birth exclusion is not applicable in CA, KS, MT and OK.

12 Why purchase short term disability coverage? 1.It pays a portion of your gross monthly salary if you cannot work due to a covered injury or illness. 2.Affordable premiums are based on your age on the policy effective date. 3.You can pay for it through convenient payroll deduction. 4.[Guaranteed issue coverage for 60% of income up to $3,000 with the greater of 20% participation in the plan or 10 applications.[ 5.[Modified issue underwriting for coverage amounts of 60% of income up to $3,000 of covered salary (requires three questions to be answered)]. 6.[Simplified issue underwriting for coverage amount of up to 60% of income up to $5,000 of covered salary (requires additional questions to be answered)]. 7.Coverage becomes effective on the first day of the month in which payroll deductions begin.

13 1.Review your enrollment materials. 2.Meet with an benefit counselor today to apply for this benefit. 3.  [ Call: [toll free #] to speak to a benefits representative during [specify enrollment dates]: 8 a.m.−8 p.m. ET Monday − Friday]  [Go online to your enrollment website: EmployerName/default.htm] EmployerName/default.htm  [ Complete your enrollment form and return it to appropriate contact.] How can you enroll?

14 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 that may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Forms L-21776, FUL and L CA or contact your Unum representative. You will receive the plan and coverage amount you apply for unless it is determined to be unacceptable by Unum’s rules, limits or standards. If so, it may be modified or declined. Underwritten by: Provident Life and Accident Insurance Company, Chattanooga, TN In New York, 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 Insurance Department. The expected benefit ratio for this policy is 50%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy. unum.com © 2013 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Unum complies with all state civil union and domestic partner laws when applicable. For employees EN-1163 (6-13)